CN112184409A - Cross-border remittance data processing system and method - Google Patents
Cross-border remittance data processing system and method Download PDFInfo
- Publication number
- CN112184409A CN112184409A CN202010950548.8A CN202010950548A CN112184409A CN 112184409 A CN112184409 A CN 112184409A CN 202010950548 A CN202010950548 A CN 202010950548A CN 112184409 A CN112184409 A CN 112184409A
- Authority
- CN
- China
- Prior art keywords
- remittance
- data
- module
- transaction
- bank
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000012545 processing Methods 0.000 title claims abstract description 153
- 238000000034 method Methods 0.000 title claims abstract description 18
- 238000012544 monitoring process Methods 0.000 claims abstract description 73
- 238000012795 verification Methods 0.000 claims description 76
- 238000007726 management method Methods 0.000 claims description 34
- 238000013524 data verification Methods 0.000 claims description 24
- 230000002457 bidirectional effect Effects 0.000 claims description 11
- 238000012546 transfer Methods 0.000 claims description 11
- 230000005540 biological transmission Effects 0.000 claims description 10
- 238000003672 processing method Methods 0.000 claims description 4
- 238000013502 data validation Methods 0.000 claims description 2
- 238000010200 validation analysis Methods 0.000 claims description 2
- 230000000977 initiatory effect Effects 0.000 description 7
- 238000010586 diagram Methods 0.000 description 4
- 230000009286 beneficial effect Effects 0.000 description 2
- 238000004900 laundering Methods 0.000 description 2
- 230000001360 synchronised effect Effects 0.000 description 2
- 230000007547 defect Effects 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 238000011835 investigation Methods 0.000 description 1
- 210000001503 joint Anatomy 0.000 description 1
- 238000012216 screening Methods 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F17/00—Digital computing or data processing equipment or methods, specially adapted for specific functions
- G06F17/10—Complex mathematical operations
- G06F17/18—Complex mathematical operations for evaluating statistical data, e.g. average values, frequency distributions, probability functions, regression analysis
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Finance (AREA)
- Theoretical Computer Science (AREA)
- Data Mining & Analysis (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Mathematical Optimization (AREA)
- Economics (AREA)
- Development Economics (AREA)
- Mathematical Physics (AREA)
- Computational Mathematics (AREA)
- Pure & Applied Mathematics (AREA)
- Mathematical Analysis (AREA)
- Operations Research (AREA)
- Software Systems (AREA)
- Probability & Statistics with Applications (AREA)
- Computer Security & Cryptography (AREA)
- Algebra (AREA)
- Bioinformatics & Computational Biology (AREA)
- Databases & Information Systems (AREA)
- Evolutionary Biology (AREA)
- General Engineering & Computer Science (AREA)
- Bioinformatics & Cheminformatics (AREA)
- Life Sciences & Earth Sciences (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention relates to a cross-border remittance data processing system and a method, which can monitor and count financial data in real time, support multi-currency transaction and real-time fund arrival, support original currency arrival to account or RMB arrival to account, realize direct remittance of foreign currency funds, realize real-time declaration of international collection and payment statistical information, blacklist management and suspicious split transaction monitoring, provide more convenient, safe and efficient service for remittance persons and provide more timely, accurate and normative data for supervision departments.
Description
Technical Field
The invention relates to the technical field of financial data processing, in particular to a cross-border remittance data processing system and a cross-border remittance data processing method.
Background
World banks promulgated data showing that global overseas immigration remitted to home in 2012 amounts to $ 5340 billion, with chinese immigration remitting to home in an amount of $ 660 billion, next to india ($ 700 billion), much higher than mexico ($ 240 billion) ranked behind, becoming the second largest immigration remittance recipient world wide.
With the increase of the amount of money transfer business of cross-border remittance in china, the demand of convenience and security of remittance for cross-border remittance service by remittants is increasing. In the prior art, the cross-border remittance process has more manual intervention links, and is often long in time consumption, low in efficiency and easy to make mistakes. Secondly, in the past, a sender usually only can select the original currency to be paid out, and manually handles the Renminbi to settle money after the original currency is paid out, so the method has complicated procedures and higher cost. Moreover, since the service standard, the technical standard and the data standard are not uniform, the service handling mechanism cannot provide timely, accurate and standard statistical data for the supervision mechanism, which is not beneficial for the supervision mechanism to perform in-service supervision and post-examination.
Disclosure of Invention
In order to solve the defects of the prior art, the invention provides a cross-border remittance data processing system and a method, which can monitor and count financial data in real time, support multi-currency transactions and real-time fund arrival, support original currency arrival to account or RMB arrival to account, realize direct remittance of foreign currency funds, realize real-time declaration of international collection and payment statistical information, and blacklist management and suspicious split transaction monitoring, provide more convenient, safe and efficient services for remitters, and provide more timely, accurate and normative data for supervision departments.
In order to achieve the above purpose, the technical scheme adopted by the invention comprises the following steps:
a cross-border remittance data processing system is characterized by comprising a first data statistics module, a second data statistics module, a data intermediate processing module, a first data monitoring module and a second data monitoring module:
the first data statistics module, the second data statistics module, the first data monitoring module and the second data monitoring module respectively have bidirectional data transmission channels with the data intermediate processing module;
the data intermediate processing module receives a first data verification request and a first data statistics request sent by a first data statistics module, transmits the first data verification request and the first data statistics request to a second data statistics module, and simultaneously generates a first data monitoring request and a second data monitoring request according to the first data verification request and the first data statistics request and respectively sends the first data monitoring request and the second data monitoring request to the first data monitoring module and the second data monitoring module; the data intermediate processing module receives a first data verification result and a first data statistical result sent by the second data statistical module, a first data monitoring request result sent by the first data monitoring module and a second data monitoring request result sent by the second data monitoring module, and sends the first data verification result, the first data statistical result, the first data monitoring request result and the second data monitoring request result to the first data statistical module.
Furthermore, the data intermediate processing module comprises a preposing submodule, an online statistical submodule, a clearing statistical submodule and a management submodule which are in data connection with each other;
the prepositive sub-module is connected with the first data statistics module and the first data monitoring module through a bidirectional data transmission channel;
the online statistical submodule is connected with the second data statistical module through a bidirectional data transmission channel;
the clearing statistic submodule is connected with the second data monitoring module through a bidirectional data transmission channel.
Further, the data intermediate processing module also comprises an error statistics submodule;
and the error statistics submodule is connected with the first data statistics module through a bidirectional data transmission channel and receives a second data statistics request sent by the first data statistics module.
Furthermore, the first data statistics module is a remittance bank data statistics module; the second data statistics module is an remittance bank data statistics module; the data intermediate processing module is a bank card combined processing module; the first data monitoring module is an outer bureau personal settlement and sales exchange system; the second data monitoring module is an external bureau international balance management information system; the prepositive sub-module comprises a remittance verification processing unit, an online remittance transaction processing unit, a remittance verification transaction service checking unit, a blacklist management unit and an interface unit.
Further, the first data validation request is a remittance validation request; the first data statistics request is a remittance data statistics request; the first data monitoring request is a personal annual settlement limit query updating request; the second data monitoring request is a cross-border remittance international balance statistical report; the second data statistics request is a manual money transfer transaction request.
The invention also relates to a cross-border remittance data processing method, which is characterized by comprising the following steps:
A. the remittance bank data statistic module initiates remittance verification transaction to the bank card combined processing module;
B. after receiving the remittance verification transaction, the bank card combined processing module calls a remittance verification transaction service checking unit to check the service validity and transmits the transaction passing the check to a remittance bank data statistics module;
C. the remittance bank data statistics module verifies whether the account of the payee exists and whether the account state is valid after receiving remittance verification transaction, and if the account state is verified to be valid, the remittance bank data statistics module backfills the name and the identification number of the payee into verification result information and returns the verification result information to the bank card combined processing module;
D. after receiving remittance verification results returned by the remittance bank data statistics module, the bank card combined processing module calls a blacklist management unit to match an identity document number blacklist, and calls an interface unit to connect an outer bureau personal settlement and remittance system to inquire the annual settlement limit of a person;
E. the bank card combined processing module generates a remittance verification transaction statistical result according to the remittance verification result of the remittance bank, the blacklist check result and the personal annual settlement limit inquiry result, and returns the remittance verification transaction statistical result to the remittance bank data statistical module;
F. for the successful transaction of remittance verification, the remitter can choose to continue the on-line remittance transaction, and under the condition that the remitter chooses to continue the on-line remittance transaction, the remittance bank data statistical module firstly deducts money and then initiates the on-line remittance transaction to the bank card combined processing module;
G. after receiving the online remittance transaction, the bank card combined processing module matches the online remittance transaction request with the remittance verification transaction, and calls an interface unit to connect an external bureau personal settlement remittance system to inquire and update the personal annual settlement limit;
H. the bank card combined processing module transmits the online remittance transaction which is successfully counted to the remittance bank data counting module;
I. the remittance bank data statistics module receives the online remittance transaction, completes fund posting according to the currency and posting mode, and returns the transaction statistics result to the bank card combined processing module;
J. the bank card combined processing module receives the statistical result of the online remittance transaction returned by the remittance bank data statistical module and returns the statistical result to the remittance bank data statistical module.
Further, the step D comprises the following substeps:
d1, the bank card combined processing module sends out the personal annual settlement limit inquiry to the outer bureau personal settlement system;
d2, the out bureau personal settlement and remittance system inquires whether the remittance amount exceeds the personal annual settlement limit amount according to the payee ID card number and returns the inquiry result to the bank card combined processing module.
Further, the step G comprises the following substeps:
g1, the bank card combined processing module initiates the personal annual settlement limit inquiry to the outer bureau personal settlement system;
g2, the outer bureau personal settlement and remittance system inquires whether remittance amount exceeds personal annual settlement limit amount according to the payee identification card number and returns the inquiry result to the bank card combined processing module;
g3, if the result of the payee individual annual exchange limit query is available, the bank card combined processing module continues to initiate the individual annual exchange limit update to the out-bureau individual exchange system;
g4, the bureau of outer management personal settlement and sales system updates the personal annual settlement limit of the payee according to the number of the payee, and returns the update result to the bank card combined processing module.
Further, the method further comprises the steps of:
K. for remittance transactions which are successful in remittance verification and failed in on-line remittance transactions, the remittance bank data statistical module can initiate manual remittance transactions to the bank card combined processing module, and the manual remittance transactions can be cancelled on the error statistical sub-module before the end of the current day;
the L bank card combined processing module directly gives a successful response after receiving the manual remittance transaction, and does not forward the remittance transaction to the bank data statistical module in real time any more;
m, when the date is counted up, the bank card combined processing module brings the manual remittance transaction which is successful and not cancelled in the current date into clearing, and after clearing, the manual remittance transaction is sent to the remittance bank data counting module and the remittance bank data counting module through the pipeline file;
and N, after receiving the manual remittance transaction information, the remittance bank data counting module timely checks the posting condition of the remittance card account, and if the remittance card account is not posted before the remittance bank data counting module, the remittance bank data counting module timely completes related posting work.
Further, the method further comprises the steps of:
o, after the daily bank card combined processing module finishes clearing, generating a cross-border remittance international balance statistical statement and a suspected split remittance transaction statement, and reporting data to an external administration international balance management information system;
and P, the external bureau international collection and payment balance management information system receives the data file reported by the bank card combined processing module and returns a report result file to the bank card combined system.
The invention has the beneficial effects that:
by adopting the cross-border remittance data processing system and the method, financial data can be monitored and counted in real time by getting through the remittance and remittance bidirectional data channel, multi-currency transactions and real-time fund transfer are supported, original currency transfer or RMB transfer is supported, direct remittance of foreign currency funds and real-time declaration of international receipt and payment statistical information as well as blacklist management and suspicious split transaction monitoring can be realized, more convenient, safe and efficient services are provided for remittance persons, and more timely, accurate and normative data are provided for supervision departments.
Drawings
FIG. 1 is a schematic diagram of a cross-border remittance data processing system according to a first embodiment of the present invention.
FIG. 2 is a diagram illustrating a second exemplary cross-border remittance data processing system according to the present invention.
Fig. 3 is a schematic structural diagram of a front sub-module in a second embodiment of the present invention.
FIG. 4 is a flow chart of a cross-border remittance data processing method according to the present invention.
Detailed Description
For a clearer understanding of the contents of the present invention, reference will be made to the accompanying drawings and examples.
FIG. 1 is a schematic diagram of a cross-border remittance data processing system according to a first embodiment of the present invention, including:
the first data statistical module is used for initiating a first data verification request to the data intermediate processing module and receiving a first data verification request result returned by the data intermediate processing module; for the data which is successfully verified, a first data statistics request is sent to the data intermediate processing module, a first data statistics result returned by the data intermediate processing module is received, and for the data which is successfully verified by the first data verification request and fails by the first data statistics request, a second data statistics request is sent to the data intermediate processing module;
a data intermediate processing module, configured to receive the first data verification request and the first data statistics request sent by the first data statistics module, transmit the first data verification request and the first data statistics request to the second data statistics module for verification and processing, receive the first data verification result and the first data statistics result returned by the second data statistics module, send the first data monitoring request to the first data monitoring module, receive the first data monitoring request result returned by the first data monitoring module, return the first data monitoring request result, the first data verification result, and the first data statistics result to the first data statistics module, further be configured to accept the second data processing request sent by the first data statistics module, and further be configured to report the second data monitoring request to the second data monitoring unit, receiving a second data monitoring request result returned by the second data monitoring unit;
the second data statistics module is used for receiving the first data verification request and the first data statistics request sent by the data intermediate processing module and returning the first data verification result and the first data statistics result to the data intermediate processing module;
the first data monitoring module is used for receiving a first data monitoring request sent by the data intermediate processing module and returning a first data monitoring request result to the data intermediate processing module;
and the second data monitoring unit is used for receiving a second data monitoring request sent by the data intermediate processing system and returning a second data monitoring request result to the data intermediate processing module.
Preferably, the data intermediate processing module includes:
the prepositive submodule is butted with the first data statistical module, the following online statistical submodule and the first data monitoring module and is used for processing a first data verification request and a first data statistical request sent by the first data statistical module;
the online statistics sub-module is butted with the preposed sub-module, the first data statistics module and the following clearing statistics sub-module, is used for receiving and processing the first data verification request and the first data statistics request sent by the preposed sub-module, transmits the first data verification request and the first data statistics request to the second data statistics module, is used for receiving the first data verification result and the first data statistics result returned by the second data statistics module, transmits the first data verification result and the first data statistics result to the preposed sub-module, and is also used for synchronizing the first data statistics result successfully processed on the same day to the clearing statistics sub-module;
the clearing statistical submodule is in butt joint with the online statistical submodule and the second data monitoring unit; the online statistics submodule is used for receiving a first data statistics result synchronized by the online statistics submodule, reporting second monitoring data to the second data monitoring unit, receiving second monitoring data reporting result data returned by the second data monitoring unit and finishing suspicious splitting transaction monitoring;
the error counting submodule is used for accepting a second data counting request initiated by the first data counting module;
and the management submodule is used for realizing the functions of system management and monitoring.
On the basis of the first embodiment, the second embodiment shown in fig. 2 can be obtained by applying the specific data processing module definition, and a global speed transfer system for cross-border money transfer is formed, which specifically includes:
the remittance bank data statistic module is used for initiating remittance verification transaction to the bank card combined processing module and receiving a verification result returned by the bank card combined processing module; for the transaction which is successfully verified, the method is used for initiating an online remittance transaction to the bank card combined processing module and receiving a transaction result returned by the bank card combined processing module; for the transaction which is successfully verified and fails in on-line remittance, the transaction module is used for initiating a manual remittance transaction to the bank card combined processing module, wherein the manual remittance transaction is an off-line transaction;
the bank card combined processing module is used for receiving remittance verification transactions and on-line remittance transactions sent by the remittance bank data statistical module and transmitting the remittance verification transactions and the on-line remittance transactions to the remittance bank data statistical module for verification and processing; the system is used for receiving the verification result and the transaction processing result returned by the remittance bank data statistical module; the system is used for initiating a personal annual settlement limit query and a personal annual settlement limit update request to the personal settlement and sales system of the outer bureau and receiving a query result and an update processing result returned by the personal settlement and sales system of the outer bureau; the remittance verification transaction module is used for returning a remittance verification transaction result and an online remittance transaction processing result to the remittance bank data statistics module according to the processing result; used for accepting the manual remittance transaction initiated by the remittance bank data statistic module; the system is used for reporting international balance statistical data related to cross-border remittance to the external bureau international balance management information system and receiving reporting result data returned by the external bureau international balance management information system;
the remittance bank data statistics module is used for receiving remittance verification transactions and on-line remittance transactions sent by the bank card combined processing module and returning verification results and on-line remittance transaction processing results to the bank card combined processing module;
the system comprises an outer bureau personal settlement and sales system, a bank card joint processing module and a database, wherein the outer bureau personal settlement and sales system is used for receiving a personal annual settlement limit inquiry and a personal annual settlement limit updating request sent by the bank card joint processing module and returning an inquiry result and an updating processing result to the bank card joint processing module;
the external bureau international collection and payment balance management information system is used for receiving international collection and payment statistical data which are reported by the bank card combined processing module and are related to cross-border remittance, and returning reporting result data to the bank card combined processing module.
Wherein, bank card joint processing module possesses:
the overseas preposition submodule 0 is butted with the remittance bank data statistical module, the following online statistical submodule 0 and the external bureau personal settlement remittance system and is used for processing remittance verification transactions and online remittance transactions sent by the remittance bank data statistical module;
the online statistical submodule is butted with the preposed submodule, the remittance bank data statistical module and the clearing statistical submodule and is used for receiving and processing remittance verification transactions and online remittance transactions sent by the preposed submodule and transmitting the remittance verification transactions and the online remittance transactions to the remittance bank data statistical module; the front-end submodule is used for receiving the verification result and the transaction processing result returned by the remittance bank data statistical module, transmitting the verification result and the transaction processing result to the front-end submodule and synchronizing the cross-border remittance transaction data successfully processed on the same day to the clearing statistical submodule;
the clearing and counting submodule is butted with the online counting submodule and the external bureau international balance management information system, is used for receiving the cross-border remittance transaction data which is synchronized by the online counting submodule and succeeds the same day, is used for reporting the international balance counting data related to cross-border remittance to the external bureau international balance management information system, receives the reporting result data returned by the external bureau international balance management information system and is used for finishing the monitoring of suspicious split transactions;
the error statistics submodule is used for accepting the manual remittance transaction initiated by the remittance bank data statistics module;
and the management submodule is used for realizing the functions of system management and monitoring.
Further, in order to achieve a better cross-border money transfer verification experience, the pre-submodule preferably has a structure as shown in fig. 3, including:
the remittance verification processing unit is used for receiving remittance verification transactions sent by the remittance bank data statistics module, calling the remittance verification transaction service checking unit to check the service validity, transmitting the checked transactions to the online statistics submodule, receiving a remittance bank data statistics unit verification result returned by the online statistics submodule, calling the blacklist management unit to match an identity certificate number blacklist, calling the interface unit to connect the outer pipe personal settlement remittance system to inquire the personal annual settlement limit, generating a remittance verification transaction processing result according to the remittance verification result, the blacklist checking result and the personal annual settlement limit inquiry result of the remittance bank data statistics unit, and returning the remittance verification transaction processing result to the remittance bank data statistics module;
the online remittance transaction processing unit is used for receiving the online remittance transaction sent by the remittance bank data statistical module, matching the online remittance transaction request with the remittance verification transaction, calling an interface unit of the external bureau personal settlement system to inquire the annual personal settlement limit and update the annual settlement limit, transmitting the successfully processed transaction to the online statistical submodule, receiving the online remittance transaction processing result of the remittance bank data statistical unit returned by the online statistical submodule, and returning the result to the remittance bank data statistical module;
a remittance verification transaction service check unit, comprising: the limit checking module is used for checking whether the cross-border remittance transaction amount exceeds a single limit or not and whether the cross-border remittance transaction amount exceeds a single daily limit of a single card or not; the service opening checking module is used for checking whether the service of the incoming card BIN is opened or not;
a blacklist management unit, which is provided with: the blacklist library and the prepositive submodule need to establish a blacklist library, and the sources and the bases of the blacklist are divided into two types: one type is the anti-money laundering identity card number obtained according to the anti-money laundering information classification; one is an identity card number which avoids the annual management limit of personal settlement in a split mode according to the report of the card issuer; the blacklist check module is used for returning a complete payee name and identity document number to the bank card combined processing module simultaneously in a message when the remittance verification transaction is processed and the remittance bank data statistical unit returns a successful response, and the bank card combined processing module compares the payee identity document number in the transaction message with the blacklist library for verification;
an interface unit for connecting an outside bureau personal settlement system, comprising: the personal annual settlement limit inquiry module is used for initiating personal annual settlement limit inquiry to the personal settlement and sales system of the outer bureau and receiving an inquiry result returned by the personal settlement and sales system of the outer bureau; and the personal annual settlement limit updating module is used for initiating a personal annual settlement limit updating request to the personal settlement system of the outer bureau and receiving an updating processing result returned by the personal settlement system of the outer bureau.
The prepositive submodule carries out corresponding processing according to the blacklist checking result and comprises the following steps:
if the identity document number of the payee is in the list or no identity document is detected in the transaction message, returning verification failure to the remittance bank data statistical module; if the number of the identity document of the payee is not in the list, the bank card combined processing module continues other checks or returns a successful response to the remittance bank data statistical module. When the data statistics module returns the response to the remittance bank, the bank card combined processing module intercepts the identity document information and the name of the card holder in the message and does not return to the remittance bank (except for the regulation of a local supervision department).
Further, the preposed sub-module carries out corresponding processing according to the personal annual settlement quota inquiry result, and the processing comprises the following steps:
if the inquiry interface fails to call or the inquiry transaction is overtime, the inquiry result cannot be returned within the specified time, the original transaction is processed according to the transaction failure, namely if the original transaction is the remittance verification transaction, the remittance verification failure is returned, and the remittance bank is not allowed to subsequently initiate the online remittance transaction; if the original transaction was an online remittance transaction, the return online remittance transaction fails.
If the personal annual settlement limit exceeds the limit, the original transaction is processed according to transaction failure, namely if the original transaction is a remittance verification transaction, the remittance verification is returned to fail, and the remittance bank is not allowed to subsequently initiate an online remittance transaction; if the original transaction was an online remittance transaction, the return online remittance transaction fails.
The clearing statistics submodule further comprises:
and the suspicious split transaction monitoring module is used for screening suspicious split transaction data, carrying out investigation and tracking management on suspicious transactions and generating a suspected split remittance transaction report.
When the system is applied, the cross-border remittance operation can be carried out by adopting the method shown in FIG. 4, and the effect of the invention is realized. The method specifically comprises the following steps:
A. the remittance bank data statistic module initiates remittance verification transaction to the bank card combined processing module;
B. after receiving the remittance verification transaction, the bank card combined processing module calls a remittance verification transaction service checking unit to check the service validity and transmits the transaction passing the check to a remittance bank data statistics module;
C. the remittance bank data statistics module verifies whether the account of the payee exists and whether the account state is valid after receiving remittance verification transaction, and if the account state is verified to be valid, the remittance bank data statistics module backfills the name and the identification number of the payee into verification result information and returns the verification result information to the bank card combined processing module;
D. after receiving remittance verification results returned by the remittance bank data statistics module, the bank card combined processing module calls a blacklist management unit to match an identity document number blacklist, and calls an interface unit to connect an outer pipe personal settlement and sales system to inquire the annual settlement limit of the person;
E. the bank card combined processing module generates a remittance verification transaction processing result according to the remittance verification result of the remittance bank, the blacklist check result and the personal annual settlement limit inquiry result, and returns the remittance verification transaction processing result to the remittance bank data statistics module;
F. for a money transfer verification successful transaction, the sender may elect to proceed with the online money transfer transaction or opt out. Under the condition that the remitter selects to continue the on-line remittance transaction, the remittance bank data statistical module deducts money firstly and then initiates the on-line remittance transaction to the bank card combined processing module;
G. after receiving the online remittance transaction, the bank card combined processing module matches the online remittance transaction request with the remittance verification transaction, and calls an interface unit to connect an outer tube personal settlement and remittance system to inquire and update the personal annual settlement and remittance;
H. the bank card combined processing module transmits the successfully processed online remittance transaction to the remittance bank data statistics module;
I. the remittance bank data statistics module receives the online remittance transaction, completes fund posting according to the currency and posting mode, and returns a transaction processing result to the bank card combined processing module;
J. the bank card combined processing module receives the on-line remittance transaction processing result returned by the remittance bank and returns the result to the remittance bank data statistical module;
K. for remittance transactions which are successful in remittance verification and failed in on-line remittance transactions, the remittance bank data statistical module can initiate manual remittance transactions to the bank card combined processing module, and the manual remittance transactions can be cancelled on the error statistical sub-module before the end of the current day;
after receiving the manual remittance transaction, the L and bank card combined processing module directly gives a successful response and does not forward the remittance transaction to the bank in real time any more;
when M and the day are processed, the bank card combined processing module brings the manual remittance transaction which is successful and not cancelled in the day into clearing, and after clearing, the manual remittance transaction is sent to the remittance bank data counting module and the remittance bank data counting module through the pipeline file;
and N, after receiving the manual remittance transaction information, the remittance bank data counting module timely checks the posting condition of the remittance card account, and if the remittance card account is not posted before remittance into the bank, the remittance bank data counting module timely completes related posting work.
Wherein the steps K to N are preferred steps.
Further, the step D specifically includes the following substeps:
d1, the bank card combined processing module sends out the personal annual settlement limit inquiry to the outer bureau personal settlement system;
d2, the out bureau personal settlement and remittance system inquires whether the remittance amount exceeds the personal annual settlement limit amount according to the payee ID card number and returns the inquiry result to the bank card combined processing module.
Wherein, the step G comprises the following substeps:
g1, the bank card combined processing module initiates the personal annual settlement limit inquiry to the outer bureau personal settlement system;
g2, the outer bureau personal settlement and remittance system 200 inquires whether the remittance amount exceeds the personal annual settlement limit amount according to the payee ID card number and returns the inquiry result to the bank card combined processing module;
g3, if the result of the payee individual annual exchange limit query is available, the bank card combined processing module continues to initiate the individual annual exchange limit update to the out-bureau individual exchange system;
g4, the bureau of outer management personal settlement and sales system updates the personal annual settlement limit of the payee according to the number of the payee, and returns the update result to the bank card combined processing module.
On the other hand, the following steps may be further included after the step J or N:
o, after the daily bank card combined processing module finishes clearing, generating a cross-border remittance international balance statistical statement and a suspected split remittance transaction statement, and reporting data to an external administration international balance management information system;
and P, the external bureau international collection and payment balance management information system receives the data file reported by the bank card combined processing module and returns a report result file to the bank card combined system.
The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present invention are included in the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (10)
1. A cross-border remittance data processing system is characterized by comprising a first data statistics module, a second data statistics module, a data intermediate processing module, a first data monitoring module and a second data monitoring module:
the first data statistics module, the second data statistics module, the first data monitoring module and the second data monitoring module respectively have bidirectional data transmission channels with the data intermediate processing module;
the data intermediate processing module receives a first data verification request and a first data statistics request sent by a first data statistics module, transmits the first data verification request and the first data statistics request to a second data statistics module, and simultaneously generates a first data monitoring request and a second data monitoring request according to the first data verification request and the first data statistics request and respectively sends the first data monitoring request and the second data monitoring request to the first data monitoring module and the second data monitoring module; the data intermediate processing module receives a first data verification result and a first data statistical result sent by the second data statistical module, a first data monitoring request result sent by the first data monitoring module and a second data monitoring request result sent by the second data monitoring module, and sends the first data verification result, the first data statistical result, the first data monitoring request result and the second data monitoring request result to the first data statistical module.
2. The system of claim 1, wherein the data mediation module includes a pre-submodule, an online statistics submodule, a clearing statistics submodule, and a management submodule in data connection with each other;
the prepositive sub-module is connected with the first data statistics module and the first data monitoring module through a bidirectional data transmission channel;
the online statistical submodule is connected with the second data statistical module through a bidirectional data transmission channel;
the clearing statistic submodule is connected with the second data monitoring module through a bidirectional data transmission channel.
3. The system of claim 2, wherein the data mediation module further comprises an error statistics sub-module;
and the error statistics submodule is connected with the first data statistics module through a bidirectional data transmission channel and receives a second data statistics request sent by the first data statistics module.
4. The system of claim 3, wherein the first data statistics module is a remittance bank data statistics module; the second data statistics module is an remittance bank data statistics module; the data intermediate processing module is a bank card combined processing module; the first data monitoring module is an outer bureau personal settlement and sales exchange system; the second data monitoring module is an external bureau international balance management information system; the prepositive sub-module comprises a remittance verification processing unit, an online remittance transaction processing unit, a remittance verification transaction service checking unit, a blacklist management unit and an interface unit.
5. The system of claim 4 wherein the first data validation request is a remittance validation request; the first data statistics request is a remittance data statistics request; the first data monitoring request is a personal annual settlement limit query updating request; the second data monitoring request is a cross-border remittance international balance statistical report; the second data statistics request is a manual money transfer transaction request.
6. A cross-border remittance data processing method, comprising the steps of:
A. the remittance bank data statistic module initiates remittance verification transaction to the bank card combined processing module;
B. after receiving the remittance verification transaction, the bank card combined processing module calls a remittance verification transaction service checking unit to check the service validity and transmits the transaction passing the check to a remittance bank data statistics module;
C. the remittance bank data statistics module verifies whether the account of the payee exists and whether the account state is valid after receiving remittance verification transaction, and if the account state is verified to be valid, the remittance bank data statistics module backfills the name and the identification number of the payee into verification result information and returns the verification result information to the bank card combined processing module;
D. after receiving remittance verification results returned by the remittance bank data statistics module, the bank card combined processing module calls a blacklist management unit to match an identity document number blacklist, and calls an interface unit to connect an outer bureau personal settlement and remittance system to inquire the annual settlement limit of a person;
E. the bank card combined processing module generates a remittance verification transaction statistical result according to the remittance verification result of the remittance bank, the blacklist check result and the personal annual settlement limit inquiry result, and returns the remittance verification transaction statistical result to the remittance bank data statistical module;
F. for the successful transaction of remittance verification, the remitter can choose to continue the on-line remittance transaction, and under the condition that the remitter chooses to continue the on-line remittance transaction, the remittance bank data statistical module firstly deducts money and then initiates the on-line remittance transaction to the bank card combined processing module;
G. after receiving the online remittance transaction, the bank card combined processing module matches the online remittance transaction request with the remittance verification transaction, and calls an interface unit to connect an external bureau personal settlement remittance system to inquire and update the personal annual settlement limit;
H. the bank card combined processing module transmits the online remittance transaction which is successfully counted to the remittance bank data counting module;
I. the remittance bank data statistics module receives the online remittance transaction, completes fund posting according to the currency and posting mode, and returns the transaction statistics result to the bank card combined processing module;
J. the bank card combined processing module receives the statistical result of the online remittance transaction returned by the remittance bank data statistical module and returns the statistical result to the remittance bank data statistical module.
7. The method of claim 6, wherein said step D comprises the substeps of:
d1, the bank card combined processing module sends out the personal annual settlement limit inquiry to the outer bureau personal settlement system;
d2, the out bureau personal settlement and remittance system inquires whether the remittance amount exceeds the personal annual settlement limit amount according to the payee ID card number and returns the inquiry result to the bank card combined processing module.
8. The method of claim 6, wherein step G comprises the substeps of:
g1, the bank card combined processing module initiates the personal annual settlement limit inquiry to the outer bureau personal settlement system;
g2, the outer bureau personal settlement and remittance system inquires whether remittance amount exceeds personal annual settlement limit amount according to the payee identification card number and returns the inquiry result to the bank card combined processing module;
g3, if the result of the payee individual annual exchange limit query is available, the bank card combined processing module continues to initiate the individual annual exchange limit update to the out-bureau individual exchange system;
g4, the bureau of outer management personal settlement and sales system updates the personal annual settlement limit of the payee according to the number of the payee, and returns the update result to the bank card combined processing module.
9. The method of claim 6, further comprising the steps of:
K. for remittance transactions which are successful in remittance verification and failed in on-line remittance transactions, the remittance bank data statistical module can initiate manual remittance transactions to the bank card combined processing module, and the manual remittance transactions can be cancelled on the error statistical sub-module before the end of the current day;
the L bank card combined processing module directly gives a successful response after receiving the manual remittance transaction, and does not forward the remittance transaction to the bank data statistical module in real time any more;
m, when the date is counted up, the bank card combined processing module brings the manual remittance transaction which is successful and not cancelled in the current date into clearing, and after clearing, the manual remittance transaction is sent to the remittance bank data counting module and the remittance bank data counting module through the pipeline file;
and N, after receiving the manual remittance transaction information, the remittance bank data counting module timely checks the posting condition of the remittance card account, and if the remittance card account is not posted before the remittance bank data counting module, the remittance bank data counting module timely completes related posting work.
10. The method according to any of the claims 6 to 9, characterized in that the method further comprises the steps of:
o, after the daily bank card combined processing module finishes clearing, generating a cross-border remittance international balance statistical statement and a suspected split remittance transaction statement, and reporting data to an external administration international balance management information system;
and P, the external bureau international collection and payment balance management information system receives the data file reported by the bank card combined processing module and returns a report result file to the bank card combined system.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010950548.8A CN112184409A (en) | 2020-09-11 | 2020-09-11 | Cross-border remittance data processing system and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010950548.8A CN112184409A (en) | 2020-09-11 | 2020-09-11 | Cross-border remittance data processing system and method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN112184409A true CN112184409A (en) | 2021-01-05 |
Family
ID=73920592
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202010950548.8A Pending CN112184409A (en) | 2020-09-11 | 2020-09-11 | Cross-border remittance data processing system and method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN112184409A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI788899B (en) * | 2021-06-30 | 2023-01-01 | 華南商業銀行股份有限公司 | Funds transfer system |
| CN117592992A (en) * | 2024-01-17 | 2024-02-23 | 快捷通支付服务有限公司 | Method, equipment and medium for cross-border junction rendering |
Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103903129A (en) * | 2012-12-28 | 2014-07-02 | 北京握奇数据系统有限公司 | Remitting system and remitting method realized based on text message mode |
| CN108090753A (en) * | 2016-11-22 | 2018-05-29 | 银联国际有限公司 | A kind of finance data processing system and whole world speed remittance system and method |
-
2020
- 2020-09-11 CN CN202010950548.8A patent/CN112184409A/en active Pending
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103903129A (en) * | 2012-12-28 | 2014-07-02 | 北京握奇数据系统有限公司 | Remitting system and remitting method realized based on text message mode |
| CN108090753A (en) * | 2016-11-22 | 2018-05-29 | 银联国际有限公司 | A kind of finance data processing system and whole world speed remittance system and method |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI788899B (en) * | 2021-06-30 | 2023-01-01 | 華南商業銀行股份有限公司 | Funds transfer system |
| CN117592992A (en) * | 2024-01-17 | 2024-02-23 | 快捷通支付服务有限公司 | Method, equipment and medium for cross-border junction rendering |
| CN117592992B (en) * | 2024-01-17 | 2024-05-28 | 快捷通支付服务有限公司 | Method, equipment and medium for cross-border junction rendering |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US20200294005A1 (en) | Electronic payment and authentication system with debit and identification data verification and electronic check capabilities | |
| CN108090753B (en) | Financial data processing system, global speed sink system and method thereof | |
| US7395241B1 (en) | Consumer-directed financial transfers using automated clearinghouse networks | |
| US7996309B2 (en) | Method and system for cash remittances using a two country banking structure | |
| US20070124242A1 (en) | Funds transfer system | |
| US6173272B1 (en) | Electronic funds transfer method and system and bill presentment method and system | |
| US8275705B2 (en) | System and method for providing dispute resolution for electronic payment transactions | |
| US8543477B2 (en) | Value tracking and reporting of automated clearing house transactions | |
| US20060229961A1 (en) | Risk evaluation method and system using ACH data | |
| US8527381B2 (en) | System and method for authorizing third-party transactions for an account at a financial institution on behalf of the account holder | |
| US20060106717A1 (en) | End to end check processing from capture to settlement with security and quality assurance | |
| WO2001084276A2 (en) | International payment system and method | |
| US20130151408A1 (en) | Payment card based remittance system with delivery of anti-money laundering information to originating financial institution | |
| MX2011005053A (en) | Least cost routing of fund transfer transactions. | |
| US20110320355A1 (en) | Value transfer with identity database | |
| US20130304630A1 (en) | Real-Time Approval of Bank Draft Payments for Money Transfer Transactions | |
| CN112184409A (en) | Cross-border remittance data processing system and method | |
| US20050137952A1 (en) | Overseas remittance system and overseas remittance service server | |
| US20140019339A1 (en) | Communication protocol for electronic funds transfer systems | |
| US11023866B2 (en) | Systems and methods for providing ACH transaction notification and facilitating ACH transaction disputes | |
| WO2000030053A2 (en) | A system and method for processing foreign currency payment instructions | |
| US8280807B2 (en) | System of transferring and utilising reusable credit | |
| TW202127335A (en) | System and method for cross-institutional money transfer of electronic payment capable of reducing the connecting cost and improving transaction and clearing efficiency | |
| KR20180026901A (en) | Method and system for verifying name of remittee before remittance |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination |