CN111949685B

CN111949685B - Method and device for inquiring remittance progress, server and terminal equipment

Info

Publication number: CN111949685B
Application number: CN202010788136.9A
Authority: CN
Inventors: 陈磊; 胡凯乐; 赵瑞; 刘吉
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2020-08-07
Filing date: 2020-08-07
Publication date: 2023-08-25
Anticipated expiration: 2040-08-07
Also published as: CN111949685A

Abstract

The embodiment of the application provides a method, a device, a server and terminal equipment for inquiring remittance progress, wherein the method comprises the following steps: receiving a money transfer progress query request aiming at a target money transfer service, which is sent by terminal equipment; determining a target money transfer service and a target money transfer link according to the money transfer progress query request; acquiring message data and/or receipt information fed back by an associated bank on a target remittance link through a Swift network; processing the message data and/or receipt information according to a preset processing rule to determine the current progress state of the target remittance service; and feeding back the current progress state of the target remittance service to the terminal equipment. Therefore, the current progress state of the target remittance business can be determined efficiently and finely and fed back to the user in time, and the user experience is improved.

Description

Method and device for inquiring remittance progress, server and terminal equipment

Technical Field

The application relates to the technical field of internet finance, in particular to a method and a device for inquiring remittance progress, a server and terminal equipment.

Background

In the field of internet financial technology, after a money transfer office completes a money transfer service, a user usually pays attention to a specific handling situation of the money transfer service. However, the specific progress state of the money transfer service cannot be determined efficiently and precisely based on the existing method, and user experience is affected.

In view of the above problems, no effective solution has been proposed at present.

Disclosure of Invention

The embodiment of the application provides a query method, a query device, a server and terminal equipment for money transfer progress, which are used for solving the technical problems that the progress state of a target money transfer service cannot be determined efficiently and finely and the user experience is poor in the existing method, and achieving the technical effects that the current progress state of the target money transfer service can be determined efficiently and finely and fed back to the user in time and the user experience is improved.

The embodiment of the application provides a method for inquiring remittance progress, which comprises the following steps:

receiving a money transfer progress query request aiming at a target money transfer service, which is sent by terminal equipment;

determining a target money transfer service and a target money transfer link corresponding to the target money transfer service according to the money transfer progress query request;

acquiring message data and/or receipt information fed back by an associated bank on the target remittance link through a Swift network; wherein the Swift network comprises a bank settlement system network;

processing the message data and/or receipt information according to a preset processing rule to determine the current progress state of the target remittance service;

And feeding back the current progress state of the target remittance service to the terminal equipment.

In one embodiment, the associated bank includes: collection lines, and/or intermediate lines.

In one embodiment, the current progress status of the target money transfer service includes at least one of: the bank where the money transfer is currently located, the processing state of the money transfer at the bank where the money transfer is currently located, and the current business processing state of the money transfer business.

In one embodiment, processing the message data and/or receipt information according to a preset processing rule to determine a current progress status of the target money transfer service includes:

determining the message type of the message data and preset item information in the message data;

according to the message type of the message data and preset item information in the message data, determining the service processing type of the target remittance service by detecting whether the message data meets a first type of preset requirement; the service processing type comprises point-to-point service and/or transfer service; the message types include: 103, 202, 199 and 299;

and determining the current progress state of the target remittance service according to the service processing type of the target remittance service, the message data and/or the receipt information.

In one embodiment, in a case where the message type includes 103 messages, the preset item information includes: 57 th information in 103 message, 59 th information in 103 message;

in the case that the message type includes 202 messages, the preset item information includes: item 58 information in 202 message, item 59 information in 202 message.

In one embodiment, according to the message type of the message data and the preset item information in the message data, determining the service processing type of the target remittance service by detecting whether the message data meets a first type of preset requirement includes:

if it is determined that the 103 message is not accompanied by the 202 message and the 57 th item of information in the 103 message is empty;

or alternatively, the first and second heat exchangers may be,

in the case that it is determined that the 103 message is not accompanied by the 202 message and the 57 th item of information in the 103 message is not empty, the receiving line of the 103 message is the same as the bank indicated by the 57 th item of information,

determining that the message type of the message data and the preset item information in the message data meet the first type of preset requirements, and determining that the service processing type of the target remittance service is a point-to-point service.

In one embodiment, when the service processing type of the target money transfer service is determined to be a point-to-point service, determining the current progress status of the target money transfer service according to the service processing type of the target money transfer service, the message data and/or the receipt information includes:

In the case that it is determined that the 199 message for the 103 message is received and/or the receipt information for the 103 message is received, determining the current progress state of the target money transfer service is: money transfer is currently in the collection line;

in the case that 199 for 103 messages and receipt information for 103 messages are not received, determining the current progress state of the target money transfer service is: money transfer services are currently in process.

In one embodiment, in a case where the service processing type of the target money transfer service is determined to be a transfer money transfer service, determining the current progress status of the target money transfer service according to the service processing type of the target money transfer service, the message data and/or the receipt information includes:

detecting whether the collection line in the 103 message is the same as the collection line in the 202 message;

under the condition that the collection line in the message 103 is the same as the collection line in the message 202, determining the current progress state of the target remittance service according to a first determination rule and the service processing type, the message data and/or the receipt information of the target remittance service;

and under the condition that the collection line in the message 103 is different from the collection line in the message 202, determining the current progress state of the target remittance service according to a second determination rule and the service processing type, the message data and/or the receipt information of the target remittance service.

In one embodiment, determining the current progress status of the target money transfer service according to the first determination rule and the service processing type, the message data and/or the receipt information of the target money transfer service includes:

in the case where receipt of receipt information for message 103 is determined, determining the current progress status of the target money transfer service is: money transfer services are currently in process;

in the case where receipt of receipt information for the 202 message is determined, determining the current progress status of the target money transfer service is: money transfer traffic currently has arrived at the intermediate line;

in the case where the 299 message is determined to be received, and the indicated line or indicated line in the 299 message is the same as the collection line in the 202 message, determining the current progress status of the target money transfer service is: money transfer services are currently in the collection;

under the condition that receipt information aiming at 199 message is determined to be received, the current progress state of the target remittance service is determined to be: the money transfer service has completed the posting.

In one embodiment, determining the current progress status of the target money transfer service according to the second determination rule and the service processing type, the message data and/or the receipt information of the target money transfer service includes:

in the case where receipt information for the 202 message is determined to be received or the 299 message is received, determining the current progress state of the target money transfer service is: money transfer traffic currently has arrived at the intermediate line;

in the case where receipt of the first type of receipt information for 199 is determined, and where the indicated line or indicated line in the receipt information is the same as the recipient line in 103, determining a current progress status of the target money transfer service is: money transfer services are currently in the collection;

under the condition that receipt of the second type receipt information aiming at 199 message is determined, determining the current progress state of the target remittance service is as follows: the money transfer service has completed the posting.

receiving and responding to a query instruction of a user, and generating a money transfer progress query request aiming at a target money transfer service;

sending the remittance progress query request to a first server; wherein the first server comprises a server of a money transfer bank; the first server is used for acquiring message data and/or receipt information fed back by an associated bank on the target money transfer link through a Swift network according to the money transfer progress query request; determining the current progress state of the target remittance business according to the message data and/or the receipt information;

And receiving and displaying the current progress state of the target remittance business fed back by the first server.

In one embodiment, after presenting the current progress status of the target money transfer service fed back by the first server, the method further comprises:

receiving a reminding instruction of a user for a bank where the remittance is currently located, and generating a corresponding reminding request;

sending the prompt request to a first server; the first server is further configured to send a corresponding acceleration processing request to the second server according to the prompt request, so as to request the second server to accelerate processing of the target remittance service; the second server includes a server of the bank where the money transfer is currently located.

The embodiment of the application also provides a query device for remittance progress, which comprises the following steps:

the receiving module is used for receiving a money transfer progress query request aiming at a target money transfer service, which is sent by the terminal equipment;

the first determining module is used for determining a target money transfer service and a target money transfer link corresponding to the target money transfer service according to the money transfer progress query request;

the acquisition module is used for acquiring message data and/or receipt information fed back by the associated bank on the target remittance link through a Swift network; wherein the Swift network comprises a bank settlement system network;

The second determining module is used for processing the message data and/or receipt information according to a preset processing rule so as to determine the current progress state of the target remittance service;

and the feedback module is used for feeding back the current progress state of the target remittance service to the terminal equipment.

The embodiment of the application also provides a server, which comprises a processor and a memory for storing instructions executable by the processor, wherein the processor realizes the request of inquiring the remittance progress of the target remittance service sent by the receiving terminal equipment when executing the instructions; determining a target money transfer service and a target money transfer link corresponding to the target money transfer service according to the money transfer progress query request; acquiring message data and/or receipt information fed back by an associated bank on the target remittance link through a Swift network; wherein the Swift network comprises a bank settlement system network; processing the message data and/or receipt information according to a preset processing rule to determine the current progress state of the target remittance service; and feeding back the current progress state of the target remittance service to the terminal equipment.

The embodiment of the application also provides a terminal device, which comprises a processor and a memory for storing instructions executable by the processor, wherein the processor receives and responds to the inquiry instructions of a user when executing the instructions, and generates a remittance progress inquiry request aiming at a target remittance service; sending the remittance progress query request to a first server; wherein the first server comprises a server of a money transfer bank; the first server is used for acquiring message data and/or receipt information fed back by an associated bank on the target money transfer link through a Swift network according to the money transfer progress query request; determining the current progress state of the target remittance business according to the message data and/or the receipt information; and receiving and displaying the current progress state of the target remittance business fed back by the first server.

A computer readable storage medium having stored thereon computer instructions that, when executed, enable a receiving terminal device to send a money transfer progress query request for a target money transfer service; determining a target money transfer service and a target money transfer link corresponding to the target money transfer service according to the money transfer progress query request; acquiring message data and/or receipt information fed back by an associated bank on the target remittance link through a Swift network; wherein the Swift network comprises a bank settlement system network; processing the message data and/or receipt information according to a preset processing rule to determine the current progress state of the target remittance service; and feeding back the current progress state of the target remittance service to the terminal equipment.

In the embodiment of the application, the message data and/or receipt information fed back by the associated bank on the target money transfer link corresponding to the target money transfer service is efficiently and comprehensively obtained by utilizing the Swift network; and comprehensively processing the message data and/or receipt information according to a preset processing rule to finely determine the current progress state of the target remittance service and timely feeding back the current progress state to the user. Therefore, the current progress state of the target money transfer business can be determined efficiently and finely, so that a user can know the current progress state of the target money transfer business conveniently and intuitively, and user experience is improved. The method solves the technical problems that the progress state of the target remittance business cannot be determined efficiently and finely in the existing method, and the user experience is poor.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments described in the present application, and other drawings can be obtained according to the drawings without inventive effort for a person skilled in the art.

FIG. 1 is a process flow diagram of a method for querying a money transfer progress provided in accordance with an embodiment of the present application;

FIG. 2 is a process flow diagram of a method for querying a money transfer progress provided in accordance with an embodiment of the present application;

FIG. 3 is a block diagram showing the constitution of a query device for money transfer progress provided according to an embodiment of the present application;

fig. 4 is a schematic diagram of a composition structure of a server according to an embodiment of the present application;

FIG. 5 is a schematic diagram of one embodiment of a method and apparatus for querying a money transfer progress provided by an embodiment of the present application in one example scenario;

FIG. 6 is a schematic diagram of one embodiment of a method and apparatus for querying a money transfer progress provided by an embodiment of the present application in one example scenario.

Detailed Description

In order to make the technical solution of the present application better understood by those skilled in the art, the technical solution of the present application will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present application, and it is apparent that the described embodiments are only some embodiments of the present application, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the present application without making any inventive effort, shall fall within the scope of the present application.

Considering banking business processing scenarios, based on existing data processing methods, after a user transacts a money transfer business at a money transfer office, a server of the money transfer office often has difficulty in efficiently and finely tracking and determining a specific progress state of the money transfer business. For example, it is difficult for a user to query through a money transfer line what bank and specific processing state the money related to the money transfer service is currently transferred to, and the use experience of the user is affected.

Aiming at the root cause of the technical problems, the server of the money transfer bank can fully utilize the advantages of the existing shift (Society for Worldwide Interbank Financial Telecommunications, global homonymy bank finance telecommunication association) network to efficiently and comprehensively acquire the message data and/or receipt information fed back by the associated bank on the target money transfer link corresponding to the target money transfer service; and then, according to preset processing rules, analysis and processing can be comprehensively carried out according to the message data and/or receipt information so as to finely determine the current progress state of the target remittance service, and the progress state is timely fed back to the user through the terminal equipment, so that the current progress state of the target remittance service can be efficiently and finely determined, the user can conveniently and intuitively know the current specific progress state of the target remittance service, and the user experience is improved. The method solves the technical problems that the progress state of the target remittance business cannot be determined efficiently and finely in the existing method, and the user experience is poor.

Based on the thinking thought, the embodiment of the application provides a query method of remittance progress. Please refer to fig. 1. The query method for remittance progress provided by the embodiment of the application can comprise the following contents when being implemented.

S101: and receiving a money transfer progress query request aiming at the target money transfer service, which is sent by the terminal equipment.

In this embodiment, the above-mentioned query method of remittance progress may be specifically applied to the first server side. The first server may specifically include a server of a money transfer organization.

In one embodiment, the terminal device may be an electronic device applied to a user side, or a related application program, etc. Specifically, the terminal device may be an electronic device such as a mobile phone, a computer or a self-service machine of a remittance bank of the user, or may be an application program such as a mobile phone bank or an internet bank of the remittance bank.

In one embodiment, the target money transfer service may specifically include a money transfer service to be queried by the user. The money transfer service is specifically understood to be a data processing service for transferring money transfer (data) from a money transfer account of a money transfer line to a money collection account of a money collection line.

In one embodiment, prior to implementation, reference is made to FIG. 6. The user can first transact the target money transfer business on the money transfer side through the medium of terminal equipment or manual service and the like. Such as an in-line money transfer service, a cross-line money transfer service, or a cross-border money transfer service, etc. After the user completes the target remittance business at the remittance line side, the user wants to know the specific processing condition of the target remittance business, and can send a remittance progress query request aiming at the target remittance line to the first server through the terminal equipment.

In one embodiment, the money transfer progress query request may specifically include request data for indicating a current money transfer progress of the query target money transfer service (e.g., progress information of a specific bank to which the money transfer (or money transfer) of the query target money transfer service is currently performed, a processing status of the money transfer at the current bank, or a current overall service processing status of the money transfer service, etc.).

In one embodiment, the money transfer progress query request may specifically further carry identification information for indicating the target money transfer service. Specifically, the identification information may be a service serial number of the target money transfer service, or may be a combination of a money transfer account and a transaction time of the target money transfer service.

In one embodiment, the user may enter a query instruction for the target money transfer service in the terminal device during implementation. For example, the user may input the identification information of the target money transfer service in the service query field in the interaction interface of the mobile phone bank of the money transfer bank, and click on the query icon to initiate the query instruction. And the terminal equipment receives and generates a money transfer progress query request aiming at the target money transfer service according to the query instruction of the user, and sends the money transfer progress query request to the first server in a wired or wireless mode. Accordingly, the first server may receive a money transfer progress query request from the terminal device.

S102: and determining a target money transfer service and a target money transfer link corresponding to the target money transfer service according to the money transfer progress query request.

In one embodiment, the target money transfer link may be specifically understood as a business data processing link including an associated bank that participates in processing the target money transfer business. The associated bank may specifically include a collection line, an intermediate line between the collection line and a remittance line, and the like.

The target remittance link here is a remittance link corresponding to the target remittance service, which is determined by the remittance bank based on past history service processing data, and is relatively high in probability, but is not necessarily a real remittance link. For example, based on past historical business data, the determined target money transfer link should be from bank A (i.e., the money transfer line) to bank B (i.e., the middle line) to bank C (i.e., the money transfer line). However, when the present target remittance service is transacted, the settlement protocol between the bank B and the bank C is changed, so that the actual and real target remittance link is changed from the bank a to the bank B to the bank D to the bank C.

In one embodiment, the first server may also determine the payoff line from the target money transfer service and take the payoff line directly to the payoff line as the initial target money transfer link if the accurate and detailed target money transfer link cannot be determined.

In one embodiment, the determining, according to the money transfer progress query request, the target money transfer service may include: and determining the target money transfer business aimed by the money transfer progress query request according to the identification information carried in the money transfer progress query request.

In one embodiment, the target money transfer link may be further determined based on the money transfer information in the target money transfer service in combination with past historical business data regarding the money transfer and the money transfer.

S103: acquiring message data and/or receipt information fed back by an associated bank on the target remittance link through a Swift network; the Swift network comprises a bank settlement system network.

In one embodiment, the above-mentioned network of shift (Society for Worldwide Interbank Financial Telecommunications, universal banking and finance telecommunication association) can be specifically understood as a network of bank settlement systems. Typically, the servers of the banks can perform business processing such as settlement through the above-mentioned Swift network. Specifically, in the above-mentioned Swift network, the server of the bank may also interact with the servers of other banks by broadcasting message data (for example, swift message) in a standard format or sending receipt information, etc.

In one embodiment, the message data may specifically include one or more different types of message data. The specific message types may include: 103, 202, 199, 299, etc. The 103 message may be a general report message, the 202 message may be a position adjustment message, the 199 message may be a receipt message specific to the 103 message, and the 299 message may be a receipt message specific to the 202 message.

In one embodiment, the different types of message data may further include different information items according to standard format rules. Specifically, for example, the information items included in the 103 message may specifically include: item 57, item 59, etc. The information items contained in the 202 packet may specifically include: 58 th information and 59 th information, etc.

Each of the plurality of information items may be used to populate corresponding data, respectively, to characterize corresponding information content. For example, item 57 information in message 103 may be used to populate relevant information for the payline, indicating the payline; item 59 information in the 103 message may be used to fill in the relevant information of the receipt line, for indicating the receipt line. Item 58 of information in the 202 message may be used to fill in relevant information of the payline, for indicating the payline; item 59 information in the 202 message may be used to fill in relevant information of the receipt line, for indicating the receipt line.

The collection line and the receipt line may be the same bank or different banks according to circumstances. For example, in the case where the intermediate bank B directly transfers money to the bank C at the time of actual processing, the 57 th information and the 59 th information in the received 103 message are both relevant information of the bank C, that is, the 57 th information and the 59 th information are the same. At this time, according to the 57 th information and the 59 th information in the 103 th message data, it can be determined that no other intermediate line exists between the B bank and the C bank on the real target remittance link. For another example, in the case where the intermediate bank B is a bank which needs to transfer money to the bank C through the bank D during the actual processing, the 57 th information in the received 103 message is the relevant information of the bank C, and the 59 th information is the relevant information of the bank D, that is, the 57 th information and the 59 th information are different. At this time, based on the 57 th information and the 59 th information in the 103 th packet, it can be determined that there is another intermediate line, i.e., D bank, between the B bank and the C bank on the real target remittance link.

The 199 message (or MT 199) may specifically be a receipt type message fed back for the 103 message according to standard format rules, and may not include meaningful information items. The 299 message (or MT 299) may specifically be a receipt message fed back for the 202 message, and may not include meaningful information items.

It should be noted, of course, that the above-listed message types, as well as the preset information items, are only illustrative. In the specific implementation, other types of messages and corresponding preset information items are also introduced according to specific conditions. The present specification is not limited to this.

In one embodiment, referring to fig. 6, the first server may gather the message data on the Swift network that each associated line on the target money transfer link feeds back by actively broadcasting on the Swift network. Or the first server sends the query message data related to the target remittance service to the association line, and then receives the message data and/or receipt information fed back by the association line aiming at the query message data. The first server may directly broadcast the query message data related to the target remittance service on the Swift network, and then receive the message data and/or receipt information fed back by the associated bank related to the target remittance service on the Swift network in response to the query message data. Further, the first server may also obtain message data fed back by the system, such as a (overseas) clearing platform, a (foreign exchange clearing on the public), etc.

Wherein, the receipt information is different from the message data. The associated bank will not actively broadcast the receipt information to the outside, but will feed back the corresponding receipt information for the message data after receiving the message data from the first bank. In addition, the information content represented by the receipt information is different from the message data. Typically, the receipt information contains a relatively small amount of data and the content of the information is relatively simple to characterize.

Specifically, the receipt information may include the following receipt information for characterizing different information contents: ACK (indicating that a money transfer has been received), ACSC (indicating that processing for a money transfer has been completed), ASCP (indicating that a money transfer has been transferred to the next bank), and the like. Of course, it should be noted that the receipt information listed above is merely illustrative. In particular, other types of response piece information than those listed above may be used, as the case may be.

In addition, the first server may further combine the receipt information with the message type and related preset information items to determine richer and finer status information, so as to determine the current progress status of the target remittance more finely. As will be described in detail later.

By the method, the first server can fully utilize the advantages and characteristics of the existing shift network, and under the condition that a new interaction network is not required to be constructed, the message data and/or receipt information fed back by the associated bank participating in the target remittance service can be efficiently and comprehensively acquired at lower implementation cost, so that the current specific progress state of the target remittance service can be finely determined according to the richer and comprehensive message data and/or receipt information.

In one embodiment, the first server may register the message data and/or the receipt information acquired from the Swift network through the Tracker, and store the message data and/or the receipt information in the Tracker first, and call the corresponding message data and/or the receipt information from the Tracker when the corresponding message data and/or the receipt information is needed to be used subsequently.

S104: and processing the message data and/or receipt information according to a preset processing rule to determine the current progress state of the target remittance service.

In one embodiment, the preset processing rule may be specifically understood as a preset processing rule for performing comprehensive processing on the acquired message data and/or receipt information. The first server may perform corresponding processing by comprehensively using the message data and/or the receipt information according to the preset processing rule, so as to determine the current progress state of the target remittance service.

In one embodiment, in order to enable the user to more precisely and intuitively understand the processing situation of the target money transfer service concerned, the current progress state of the target money transfer service may specifically be state data that describes the current processing situation of the target money transfer service concerned by the user in a fine-grained manner.

In one embodiment, specifically, the current progress status of the target money transfer service includes at least one of: a bank at which the money transfer is currently located (e.g., which bank the money transfer currently arrives at), a processing status of the money transfer at the bank at which the money transfer is currently located (e.g., whether the money transfer is completed at the bank at which the money transfer is currently located and ready for transfer to the next bank), a current business processing status of the money transfer business (e.g., whether the overall business processing status of the target money transfer business is business processing or business processing is complete, etc.), and the like. Of course, it should be noted that the current progress status of the target money transfer service listed above is merely a schematic illustration. In the implementation, the current progress state of the target remittance service may further include state data focused by other users according to specific situations and user requirements.

In one embodiment, during implementation, the current processing situation of the target remittance service can be classified according to a preset processing rule and by combining the acquired message data and/or receipt information; and then, according to a preset processing rule and combining the classification result, adopting a corresponding processing mode to process the acquired message data and/or receipt information so as to determine the current progress state of the target remittance service.

In one embodiment, the foregoing processing the message data and/or receipt information according to the preset processing rule to determine the current progress status of the target money transfer service may include the following when implemented.

S1: determining the message type of the message data and preset item information in the message data.

S2: according to the message type of the message data and preset item information in the message data, determining the service processing type of the target remittance service by detecting whether the message data meets a first type of preset requirement; the service processing type comprises point-to-point service and/or transfer service; the message types include: 103, 202, 199 and 299.

S3: and determining the current progress state of the target remittance service according to the service processing type of the target remittance service, the message data and/or the receipt information.

In one embodiment, the message types may specifically include: 103, 202, 199, 299, etc.

In one embodiment, the preset item information may be specifically understood as an information item in the message data used in determining the current progress status of the target money transfer service.

In one embodiment, in a case where the message type includes 103 messages, the preset item information may specifically include: item 57 information in 103 message, item 59 information in 103 message, etc. In the case that the message type includes a 202 message, the preset item information may specifically include: item 58 information in 202 message, item 59 information in 202 message, etc.

In one embodiment, the point-to-point service may include a money transfer service where the money transfer link is relatively simple and there is typically no intermediate line. Such as an in-line money transfer service, etc.

In one embodiment, the transfer service may include a transfer service in which the transfer link is relatively complex, and there is typically an intermediate line of transfer service. Such as cross-border money transfer services, and the like.

In one embodiment, during implementation, the message type and the corresponding preset information item can be determined according to a preset processing rule; and determining the service processing type of the target remittance service by detecting the message type and whether the corresponding preset item information meets the first preset requirement. Specifically, if the message type is determined and the corresponding preset item information meets the first preset requirement, the service processing type of the target remittance service can be determined as a point-to-point service. And if the preset item information is determined to not meet the first type of preset requirements, determining the service processing type of the target remittance service as a remittance service. Furthermore, different service processing types can be distinguished later, and the current progress state of the target remittance service can be determined by more accurately utilizing message data and/or receipt information based on the service processing type to which the target remittance service belongs.

In one embodiment, the determining, by detecting whether the message data meets a first type of preset requirement according to the message type of the message data and the preset item information in the message data, the service processing type of the target remittance service may include the following when implemented: if it is determined that the 103 message is not accompanied by the 202 message and the 57 th item of information in the 103 message is empty; or under the condition that the 103 message is not accompanied with the 202 message and the 57 th information in the 103 message is not empty, and the receiving line of the 103 message is the same as the bank indicated by the 57 th information, determining that the message type of the message data and the preset item information in the message data meet the first type of preset requirements, and determining that the service processing type of the target remittance service is point-to-point service.

In addition, if the target remittance service belongs to the in-line remittance according to the related information of the target remittance service, such as the information of the collection line and the information of the remittance line, the processing in the above manner is not needed, and the service processing type of the target remittance service is directly determined to be the point-to-point service.

In one embodiment, in the foregoing manner, by detecting, in a case where it is determined that the message type of the message data and the preset item information in the message data do not meet the foregoing first type of preset requirement, it may be determined that the service processing type of the target remittance service is a remittance service.

In one embodiment, when determining the current progress status of the target money transfer service specifically, the current progress status of the target money transfer service may be determined accurately by distinguishing the current progress status of the target money transfer service according to the service processing type of the target money transfer service, and comprehensively utilizing the message data (including the message type of the message data and the corresponding preset information item in the message data) and/or the receipt information by adopting a processing mode matched with the service processing type of the target money transfer service.

In one embodiment, when determining that the service processing type of the target money transfer service is a point-to-point service, determining the current progress status of the target money transfer service according to the service processing type of the target money transfer service, the message data and/or the receipt information may include the following when implementing: in the event that it is determined that a 199 message for 103 messages is received and/or receipt information for 103 messages, it may be determined that the current progress status of the target money transfer service is: money transfer is currently in the collection line; in the case where it is determined that 199 for 103 messages and receipt information for 103 messages are not received, the current progress status of the target money transfer service may be determined as: money transfer services are currently in process.

In one embodiment, when determining that the service processing type of the target money transfer service is a transfer money transfer service, determining the current progress status of the target money transfer service according to the service processing type of the target money transfer service, the message data and/or the receipt information may include the following when implementing: detecting whether the collection line in the 103 message is the same as the collection line in the 202 message; under the condition that the collection line in the message 103 is the same as the collection line in the message 202, determining the current progress state of the target remittance service according to a first determination rule and the service processing type, the message data and/or the receipt information of the target remittance service; and under the condition that the collection line in the message 103 is different from the collection line in the message 202, determining the current progress state of the target remittance service according to a second determination rule and the service processing type, the message data and/or the receipt information of the target remittance service.

The first determination rule may be understood as a preset processing rule applicable to data processing in the case that the collection line in the 103 message is the same as the collection line in the 202 message. The second determination rule may be understood as a preset processing rule applicable to data processing in a case where the collection line in the 103 message is different from the collection line in the 202 message.

In one embodiment, the determining the current progress status of the target money transfer service according to the first determining rule and the service processing type, the message data and/or the receipt information of the target money transfer service may include the following when implemented: in the case where receipt of receipt information for message 103 is determined, determining the current progress status of the target money transfer service is: money transfer services are currently in process; in the case where receipt of receipt information for the 202 message is determined, determining the current progress status of the target money transfer service is: money transfer traffic currently has arrived at the intermediate line; in the case where the 299 message is determined to be received, and the indicated line or indicated line in the 299 message is the same as the collection line in the 202 message, determining the current progress status of the target money transfer service is: money transfer services are currently in the collection; under the condition that receipt information aiming at 199 message is determined to be received, the current progress state of the target remittance service is determined to be: the money transfer service has completed the posting.

In one embodiment, the determining the current progress status of the target money transfer service according to the second determining rule and the service processing type, the message data and/or the receipt information of the target money transfer service may include the following when implemented: in the case where receipt of receipt information for message 103 is determined, determining the current progress status of the target money transfer service is: money transfer services are currently in process; in the case where receipt information for the 202 message is determined to be received or the 299 message is received, determining the current progress state of the target money transfer service is: money transfer traffic currently has arrived at the intermediate line; in the event that receipt of a first type of receipt information (e.g., ACSP) for 199 is determined, and the indicated line or indicated line in the receipt information is the same as the recipient line in 103, the current progress status of the target money transfer service is determined to be: money transfer services are currently in the collection; in the event that receipt of a second type of receipt information (e.g., ACSC) for 199 is determined, the current progress status of the target money transfer service is determined as: the money transfer service has completed the posting.

By the method, the first server can comprehensively utilize comprehensive and detailed message data and/or receipt information acquired from the Swift network to distinguish various processing conditions, and further can effectively utilize the message data and/or the receipt information by adopting a proper matching processing mode according to different processing conditions, so that the current progress state of the target remittance service can be determined efficiently and finely.

S105: and feeding back the current progress state of the target remittance service to the terminal equipment.

In one embodiment, after determining the current progress status of the target money transfer service in the above manner, referring to fig. 6, the first server may send the current progress status of the target money transfer service to the terminal device in a wired or wireless manner. The terminal device may timely display the current progress status of the target money transfer service to the user. Thus, the user can quickly inquire about the current specific processing condition and processing details of the target remittance service, such as which bank the current remittance arrives at, the processing condition of the remittance at the current bank, the overall processing state of the remittance service and the like. Therefore, the user can intuitively and accurately know the processing condition of the remittance service, and the use experience of the user is improved.

In one embodiment, when the user discovers that the money transfer stays in a certain bank (i.e. the bank where the money transfer is currently located, for example, an intermediate line or a money receiving line) for a long time through the current progress state of the target money transfer service displayed by the terminal device, the user can initiate a reminding instruction for the bank where the money transfer is currently located through the terminal device. The terminal equipment can receive and generate a corresponding prompt request according to the prompt instruction. The prompting request may specifically carry related information of the bank where the remittance to be reminded is currently located and identification information of the target remittance service. The prompt request is used for prompting the remittance line that the target remittance service has been processed for a long time, and is used for assisting in accelerating the processing.

And the terminal equipment sends the prompt request to the first server. The first server receives the prompt request and determines a second server of the bank where the remittance to be reminded is currently located according to the prompt request. Further, the first server may generate and send a corresponding acceleration processing request to the second server to request the second server to accelerate the processing of the target money transfer service.

By the method, the bank node with stagnation or abnormality of the target money transfer service can be accurately determined, and further an acceleration processing request can be sent to the bank in a targeted manner, so that a user can be effectively assisted in accelerating the processing process of the target money transfer service, and user experience is further improved.

In one embodiment, the current progress state of the target money transfer service may be determined by the first server at each preset time interval, and when it is found that the money transfer of the target money transfer service is stagnated or abnormal in processing at a certain bank node, a corresponding acceleration processing request may be automatically sent to the bank, so that a user may obtain better user experience.

Compared with the prior art, the first server at the side of the remittance line can efficiently and comprehensively acquire the message data and/or receipt information fed back by the associated bank on the target remittance link corresponding to the target remittance service by utilizing the Swift network; and then comprehensively processing the message data (comprising the message type and the preset information item) and/or receipt information according to a preset processing rule so as to finely determine the current specific progress state of the target remittance service and timely feed back the current specific progress state to the user. Therefore, the current progress state of the target money transfer business can be determined efficiently and finely, so that a user can know the current specific progress state of the target money transfer business conveniently and intuitively, and user experience is improved. The method solves the technical problems that the progress state of the target remittance business cannot be determined efficiently and finely in the existing method, and the user experience is poor. The corresponding acceleration processing request can be sent to the server of the bank where the money transfer is currently located by receiving and according to the prompt request of the bank where the money transfer is currently located, so that a user can be assisted to pertinently supervise and urge the business processing progress of the bank where the money transfer is currently located on the target money transfer business, the overall business processing efficiency of the target money transfer business is improved, and user experience can be further improved.

Referring to fig. 2, another query method for money transfer progress is also provided in the embodiment of the present application. The method can be applied to the side of the terminal equipment. In particular implementations, the method may include the following.

S201: and receiving and responding to the inquiry instruction of the user, and generating a remittance progress inquiry request aiming at the target remittance service.

S202: sending the remittance progress query request to a first server; wherein the first server comprises a server of a money transfer bank; the first server is used for acquiring message data and/or receipt information fed back by an associated bank on the target money transfer link through a Swift network according to the money transfer progress query request; and determining the current progress state of the target remittance business according to the message data and/or the receipt information.

S203: and receiving and displaying the current progress state of the target remittance business fed back by the first server.

In one embodiment, after the current progress status of the target remittance service fed back by the first server is displayed, the method may further include the following when implemented: receiving a reminding instruction of a user for a bank where the remittance is currently located, and generating a corresponding reminding request; sending the prompt request to a first server; the first server is further configured to send a corresponding acceleration processing request to the second server according to the prompt request, so as to request the second server to accelerate processing of the target remittance service; the second server includes a server of the bank where the money transfer is currently located.

In one embodiment, a reminding instruction of a user for a bank where a money transfer is currently located is received, and a corresponding reminding request is generated; after sending the prompt request to the first server, when the method is implemented, the method may further include: the first server inquires a customer service telephone of the bank where the money transfer is currently located according to the bank where the money transfer is currently located indicated by the user, and feeds the customer service telephone back to the terminal equipment. Therefore, the user can receive the customer service telephone of the bank where the money transfer is currently located through the terminal equipment, and actively contact the bank where the money transfer is currently located according to the customer service telephone so as to urge the bank where the money transfer is currently located to accelerate the business data processing of the target money transfer business.

In this embodiment, the user may connect to the first server of the money transfer bank through the terminal device, so as to timely, efficiently and intuitively query the current progress status of the fine and accurate target money transfer service; and the acceleration processing request can be initiated to the bank where the money transfer is currently located through the terminal equipment in an array mode, so that the user experience is improved.

Based on the same inventive concept, the embodiment of the application also provides a query device for remittance progress, as described in the following embodiment. Because the principle of the money transfer progress query device for solving the problem is similar to that of the money transfer progress query method, the implementation of the money transfer progress query device can refer to the implementation of the money transfer progress query method, and the repetition is not repeated. As used below, the term "unit" or "module" may be a combination of software and/or hardware that implements the intended function. While the means described in the following embodiments are preferably implemented in software, implementation in hardware, or a combination of software and hardware, is also possible and contemplated. Referring to fig. 3, a component structure diagram of a query device for money transfer progress according to an embodiment of the present application may specifically include: the structure of the receiving module 301, the first determining module 302, the acquiring module 303, the second determining module 304, and the feedback module 305 is specifically described below.

The receiving module 301 may be specifically configured to receive a money transfer progress query request for a target money transfer service sent by a terminal device;

the first determining module 302 may be specifically configured to determine, according to the money transfer progress query request, a target money transfer service and a target money transfer link corresponding to the target money transfer service;

the obtaining module 303 may be specifically configured to obtain, through a shift network, message data and/or receipt information fed back by an associated bank on the target remittance link; wherein the Swift network comprises a bank settlement system network;

the second determining module 304 may be specifically configured to process the message data and/or receipt information according to a preset processing rule, so as to determine a current progress status of the target remittance service;

the feedback module 305 may be specifically configured to feed back the current progress status of the target money transfer service to the terminal device.

In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for system embodiments, since they are substantially similar to method embodiments, the description is relatively simple, as relevant to see a section of the description of method embodiments.

It should be noted that the system, apparatus, module, or unit set forth in the above embodiments may be implemented by a computer chip or entity, or may be implemented by a product having a certain function. For convenience of description, in this specification, the above devices are described as being functionally divided into various units, respectively. Of course, the functions of each element may be implemented in the same piece or pieces of software and/or hardware when implementing the present application.

Moreover, in this specification, adjectives such as first and second may be used solely to distinguish one element or action from another element or action without necessarily requiring or implying any actual such relationship or order. Where the environment permits, reference to an element or component or step (etc.) should not be construed as limited to only one of the element, component, or step, but may be one or more of the element, component, or step, etc.

From the above description, it can be seen that the query device for remittance progress provided by the embodiment of the application can efficiently and precisely determine the current progress state of the target remittance service, and timely feed back the current progress state to the user, thereby improving user experience.

The embodiment of the present disclosure further provides a server, as shown in fig. 4, where the server includes a network communication port 401, a processor 402, and a memory 403, and the above structures are connected by an internal cable, so that each structure may perform specific data interaction.

The network communication port 401 may be specifically configured to receive a money transfer progress query request for a target money transfer service sent by a terminal device.

The processor 402 may be specifically configured to determine, according to the money transfer progress query request, a target money transfer service and a target money transfer link corresponding to the target money transfer service; acquiring message data and/or receipt information fed back by an associated bank on the target remittance link through a Swift network; wherein the Swift network comprises a bank settlement system network; and processing the message data and/or receipt information according to a preset processing rule to determine the current progress state of the target remittance service.

The network communication port 401 may be further specifically configured to feed back the current progress status of the target money transfer service to the terminal device.

The memory 403 may be used for storing a corresponding program of instructions.

In this embodiment, the network communication port 401 may be a virtual port that binds with different communication protocols, so that different data may be sent or received. For example, the network communication port may be a port responsible for performing web data communication, a port responsible for performing FTP data communication, or a port responsible for performing mail data communication. The network communication port may also be an entity's communication interface or a communication chip. For example, it may be a wireless mobile network communication chip, such as GSM, CDMA, etc.; it may also be a Wifi chip; it may also be a bluetooth chip.

In this embodiment, the processor 402 may be implemented in any suitable manner. For example, the processor may take the form of, for example, a microprocessor or processor, and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an application specific integrated circuit (Application Specific Integrated Circuit, ASIC), a programmable logic controller, and an embedded microcontroller, among others. The description is not intended to be limiting.

In this embodiment, the memory 403 may include a plurality of layers, and in a digital system, the memory may be any memory as long as it can hold binary data; in an integrated circuit, a circuit with a memory function without a physical form is also called a memory, such as a RAM, a FIFO, etc.; in the system, the storage device in physical form is also called a memory, such as a memory bank, a TF card, and the like.

The embodiment of the specification also provides a terminal device, which comprises a processor and a memory for storing instructions executable by the processor, wherein the processor receives and responds to the inquiry instructions of a user when executing the instructions, and generates a remittance progress inquiry request for a target remittance service; sending the remittance progress query request to a first server; wherein the first server comprises a server of a money transfer bank; the first server is used for acquiring message data and/or receipt information fed back by an associated bank on the target money transfer link through a Swift network according to the money transfer progress query request; determining the current progress state of the target remittance business according to the message data and/or the receipt information; and receiving and displaying the current progress state of the target remittance business fed back by the first server.

The embodiment of the application also provides a computer storage medium of the inquiry method based on the remittance progress, wherein the computer storage medium stores computer program instructions which are realized when being executed: receiving a money transfer progress query request aiming at a target money transfer service, which is sent by terminal equipment; determining a target money transfer service and a target money transfer link corresponding to the target money transfer service according to the money transfer progress query request; acquiring message data and/or receipt information fed back by an associated bank on the target remittance link through a Swift network; wherein the Swift network comprises a bank settlement system network; processing the message data and/or receipt information according to a preset processing rule to determine the current progress state of the target remittance service; and feeding back the current progress state of the target remittance service to the terminal equipment.

In the present embodiment, the storage medium includes, but is not limited to, a random access Memory (Random Access Memory, RAM), a Read-Only Memory (ROM), a Cache (Cache), a Hard Disk (HDD), or a Memory Card (Memory Card). The memory may be used to store computer program instructions. The network communication unit may be an interface for performing network connection communication, which is set in accordance with a standard prescribed by a communication protocol.

In this embodiment, the functions and effects of the program instructions stored in the computer storage medium may be explained in comparison with other embodiments, and are not described herein.

In a specific implementation scenario example, a bank may apply the query method and device for the remittance progress provided by the embodiment of the present application to efficiently and finely query the progress status of the remittance service for the user.

In this scenario example, the implementation manner adopted is to broadcast, through a Swift network, a notification related to inter-bank Tracker in the entire remittance link, so as to determine the current inter-bank processing progress, and provide a visual remittance processing progress for the client. Thus, the problem that the initiating bank (namely, the remittance line) cannot acquire the remittance processing progress of the intermediate line can be solved.

In this scenario example, reference is made to fig. 5. In terms of design, the remittance product layer (the first server is in) can identify whether all the Swift local cross-line and cross-border messages (i.e. message data) are remittance or point-to-point products (i.e. determining the belonging business processing types) when sending, subsequently receive Tracker notification (the processing progress of middle line and receiving line), uniformly package the Tracker notification to peripheral channels (i.e. terminal equipment), and each channel can be used for providing value-added product state inquiry and message notification for clients in a self-defined manner.

In particular, the method may include the following steps.

Step 1: and identifying value-added products of remittance progress.

1. And (3) point-to-point: A. the in-line money transfer must be point-to-point, B.57 is empty and not with 103 attached 202 is also point-to-point, and C.57 is not empty and not with 103 attached 202 is also point-to-point, as with (57) accounting lines.

2. Transfer money transfer: the rest is remittance.

Step 2: the money transfer progress informs the TRACKER of the registration.

1. For the single pen 103 scenario, the fund flow is considered to be embodied in the MT199 corresponding to 103, and registered according to the actual status.

2. For the 103-by-202 scenario, the funds flow is partially embodied at 103 and partially at 202, and the rules are specifically divided into multiple case differentiation processes as described below.

2-1 for the case where 103 checkout lines are the same as 202 checkout lines.

2-1-1, 103 receives the ACK, the money transfer progress status is unchanged, and is still in the process of the bank.

2-1-2, 202 receives the ACK, and the money transfer progress status is updated to that the funds have arrived in the middle line.

2-1-3, the receipt and remittance progress 299 notifies that the indicated line or the indicated line is consistent with the 202 receipt line, namely the fund is received by the receipt line.

2-1-4, receipt and remittance progress 199ACSC notifies that the account has been checked out.

2-2 for the case where 103 is different from 202.

2-2-1, 103 receives the ACK, the money transfer progress status is unchanged, and is still in the process of the bank.

2-2-2, 202 receives the ACK, and the money transfer progress status is updated to that the funds have arrived in the middle line.

2-2-3, the receipt progress 299 notifies that the status of the receipt progress is unchanged, and that funds have arrived in the middle.

2-2-4, the remittance receiving progress 199ACSP informs that the indicated line or the indicated line is consistent with the 103 collection line, namely the fund received line.

2-2-5, receipt and remittance progress 199ACSC notifies that the account has been checked out.

Step 3: the money transfer progress informs the status query.

Specifically, when the peripheral channel is queried, the latest state of the remittance progress is returned according to the ACK attribute and the latest time (state feedback world time) of the Tracker registration information.

In this scenario example, a relatively intuitive user experience may be provided for the customer, and after the user reminds, the user may check in real time the progress of remittance, for example, the money (i.e. remittance) reaches the middle line, whether the middle line is processed, and after the money reaches the collection line, the customer may actively contact the middle line or the collection line to process the service in time, so that the user experience is further improved.

Although various embodiments are described in this disclosure, the present application is not limited to the specific embodiments described in the industry standard or examples, and some industry standard or embodiments modified in light of the above description may be used to achieve the same, equivalent or similar embodiments or the same or a different embodiment may be implemented in different forms. Examples of data acquisition, processing, output, judgment, etc. using these modifications or variations are still within the scope of alternative embodiments of the present application.

Although the application provides method operational steps as described in the examples or flowcharts, more or fewer operational steps may be included based on conventional or non-inventive means. The order of steps recited in the embodiments is merely one way of performing the order of steps and does not represent a unique order of execution. When implemented by an apparatus or client product in practice, the methods illustrated in the embodiments or figures may be performed sequentially or in parallel (e.g., in a parallel processor or multi-threaded processing environment, or even in a distributed data processing environment). The terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, it is not excluded that additional identical or equivalent elements may be present in a process, method, article, or apparatus that comprises a described element.

The apparatus or module, etc. set forth in the above embodiments may be implemented in particular by a computer chip or entity, or by a product having a certain function. For convenience of description, the above devices are described as being functionally divided into various modules, respectively. Of course, when implementing the present application, the functions of each module may be implemented in the same or multiple pieces of software and/or hardware, or a module implementing the same function may be implemented by a combination of multiple sub-modules. The above-described apparatus embodiments are merely illustrative, and the division of the modules is merely a logical function division, and there may be additional divisions when actually implemented, for example, multiple modules or components may be combined or integrated into another system, or some features may be omitted or not performed.

Those skilled in the art will also appreciate that, in addition to implementing the controller in a pure computer readable program code, it is well possible to implement the same functionality by logically programming the method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers, etc. Such a controller can be regarded as a hardware component, and means for implementing various functions included therein can also be regarded as a structure within the hardware component. Or even means for achieving the various functions may be regarded as either software modules implementing the methods or structures within hardware components.

The application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, classes, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

From the above description of embodiments, it will be apparent to those skilled in the art that the present application may be implemented in software plus a necessary general hardware platform. Based on such understanding, the technical solution of the present application may be embodied essentially or in a part contributing to the prior art in the form of a software product, which may be stored in a storage medium, such as a ROM/RAM, a magnetic disk, an optical disk, etc., including several instructions for causing a computer device (which may be a personal computer, a mobile terminal, a server, or a network device, etc.) to execute the method according to the embodiments or some parts of the embodiments of the present application.

Various embodiments in this specification are described in a progressive manner, and identical or similar parts are all provided for each embodiment, each embodiment focusing on differences from other embodiments. The application is operational with numerous general purpose or special purpose computer system environments or configurations. For example: personal computers, server computers, hand-held or portable devices, tablet devices, multiprocessor systems, microprocessor-based systems, set top boxes, programmable electronic devices, network PCs, minicomputers, mainframe computers, distributed computing environments that include any of the above systems or devices, and the like.

Although the present application has been described by way of examples, one of ordinary skill in the art will recognize that there are many variations and modifications of the present application without departing from the spirit of the application, and it is intended that the appended embodiments encompass such variations and modifications without departing from the application.

Claims

1. A method for querying a money transfer progress, comprising:

processing the message data and/or receipt information according to a preset processing rule to determine the current progress state of the target remittance service; comprising the following steps: determining the message type of the message data and preset item information in the message data; according to the message type of the message data and preset item information in the message data, determining the service processing type of the target remittance service by detecting whether the message data meets a first type of preset requirement; the service processing type comprises point-to-point service and/or transfer service; the message types include: 103, 202, 199 and 299; determining the current progress state of the target remittance service according to the service processing type, the message data and/or the receipt information of the target remittance service;

2. The method of claim 1, wherein the associated bank comprises: collection lines, and/or intermediate lines.

3. The method of claim 1, wherein the current progress status of the target money transfer service comprises at least one of: the bank where the money transfer is currently located, the processing state of the money transfer at the bank where the money transfer is currently located, and the current business processing state of the money transfer business.

4. The method according to claim 1, wherein in case the message type comprises a 103 message, the preset item information comprises: 57 th information in 103 message, 59 th information in 103 message;

5. The method of claim 4, wherein determining the type of transaction for the target money transfer transaction by detecting whether the message data meets a first type of preset requirement according to the message type of the message data and the preset item information in the message data comprises:

or alternatively, the first and second heat exchangers may be,

6. The method of claim 5, wherein in the case where the service processing type of the target money transfer service is determined to be a point-to-point service, determining the current progress status of the target money transfer service according to the service processing type of the target money transfer service, the message data, and/or the receipt information comprises:

7. The method of claim 5, wherein in the case where the service processing type of the target money transfer service is determined to be a transfer money transfer service, determining the current progress status of the target money transfer service according to the service processing type of the target money transfer service, the message data, and/or the receipt information comprises:

8. The method of claim 7, wherein determining the current progress status of the target money transfer service based on the first determination rule and the type of transaction, the message data, and/or the response piece information of the target money transfer service comprises:

9. The method of claim 7, wherein determining the current progress status of the target money transfer service based on the second determination rule and the type of transaction, the message data, and/or the response piece information of the target money transfer service comprises:

10. A method for querying a money transfer progress, comprising:

sending the remittance progress query request to a first server; wherein the first server comprises a server of a money transfer bank; the first server is used for acquiring message data and/or receipt information fed back by an associated bank on the target money transfer link through a Swift network according to the money transfer progress query request; determining the current progress state of the target remittance business according to the message data and/or the receipt information; the first server determines a current progress status of the target money transfer service in the following manner: determining the message type of the message data and preset item information in the message data; according to the message type of the message data and preset item information in the message data, determining the service processing type of the target remittance service by detecting whether the message data meets a first type of preset requirement; the service processing type comprises point-to-point service and/or transfer service; the message types include: 103, 202, 199 and 299; determining the current progress state of the target remittance service according to the service processing type, the message data and/or the receipt information of the target remittance service;

11. The method of claim 10, wherein after displaying the current progress status of the target money transfer service fed back by the first server, the method further comprises:

12. A money transfer progress query device, comprising:

The second determining module is used for processing the message data and/or receipt information according to a preset processing rule so as to determine the current progress state of the target remittance service; the second determining module is specifically configured to determine a message type of the message data and preset item information in the message data; according to the message type of the message data and preset item information in the message data, determining the service processing type of the target remittance service by detecting whether the message data meets a first type of preset requirement; the service processing type comprises point-to-point service and/or transfer service; the message types include: 103, 202, 199 and 299; determining the current progress state of the target remittance service according to the service processing type, the message data and/or the receipt information of the target remittance service;

13. A server comprising a processor and a memory for storing processor-executable instructions, which when executed by the processor implement the steps of the method of any one of claims 1 to 9.

14. A terminal device comprising a processor and a memory for storing processor-executable instructions, which processor, when executing the instructions, implements the steps of the method of any one of claims 10 to 11.