CN112487772A - Account arrival time table generation method, account arrival time table generation equipment, storage medium and device - Google Patents
Account arrival time table generation method, account arrival time table generation equipment, storage medium and device Download PDFInfo
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Abstract
The invention discloses a method, a device, a storage medium and a device for generating an account arrival time table, compared with the prior art that when a user transfers accounts, the manner in which the available time to check out is not known, in the present invention, by receiving a transfer request sent by the target client, extracting information of the transfer request to obtain current transfer value information and current transaction object information, determining at least one target transfer channel according to the current transfer value information and the current transaction object information, determining account arrival time corresponding to each target transfer channel, sequencing the account arrival time to obtain a sequencing result, and generating a target account-arriving time table according to the sequencing result, and sending the target account-arriving time table to the target client, so that an available account-arriving time table can be automatically generated to meet the actual requirements of the user.
Description
Technical Field
The invention relates to the technical field of internet, in particular to a method, equipment, a storage medium and a device for generating an account arrival time table.
Background
At present, because a user can not know available account arrival time when transferring accounts, even if the user inputs a correct collection bank and transfer amount, the user can stop the account on holidays because some transfer payment channels stop the business or some transfer payment channels do not support transferring accounts to partial banks, and the condition of transfer failure occurs.
The above is only for the purpose of assisting understanding of the technical aspects of the present invention, and does not represent an admission that the above is prior art.
Disclosure of Invention
The invention mainly aims to provide a method, equipment, a storage medium and a device for generating an account arrival time table, and aims to solve the technical problem that available account arrival time cannot be obtained when a user transfers accounts in the prior art.
In order to achieve the above object, the present invention provides an arrival time table generating method, including the steps of:
when a transfer request sent by a target client is received, extracting information of the transfer request to obtain current transfer value information and current transaction object information;
determining at least one target transfer channel according to the current transfer value information and the current transaction object information;
determining account arrival time corresponding to each target transfer channel, and sequencing the account arrival time to obtain a sequencing result;
and generating a target account-arriving time table according to the sequencing result, and sending the target account-arriving time table to the target client.
Preferably, the step of determining at least one destination transfer channel according to the current transfer value information and the current transaction object information specifically includes:
determining current payment object information and current collection object information according to the current transaction object information;
matching the current payment object information with the current collection object information to obtain an information matching result;
and when the information matching result is successful, taking the real-time transfer channel in the preset line and the next day transfer channel in the preset line as target transfer channels.
Preferably, after the step of matching the current payment object information with the current collection object information to obtain an information matching result, the method for generating an account arrival schedule further includes:
when the information matching result is that the matching fails, judging whether the current collection object is a preset internet bank interconnection object or not according to the current collection object information;
judging whether the current transfer value is smaller than or equal to a preset internet bank interconnection threshold value or not according to the current transfer value information;
when the current collection object is not a preset internet bank interconnection object or the current transfer value is larger than a preset internet bank interconnection threshold value, judging whether the current transfer value is smaller than or equal to a preset small-amount transfer upper limit value or not;
and when the current transfer value is less than or equal to the preset small-amount transfer upper limit value, using a preset small-amount common transfer channel and a preset small-amount next-day transfer channel as a target transfer channel.
Preferably, after the step of determining whether the current transfer value is less than or equal to a preset small transfer upper limit value, the arrival time table generating method further includes:
when the current transfer value is larger than the preset small transfer upper limit value, obtaining the limit setting information of the target client;
judging whether a preset large-amount transfer function is started by the target client side according to the amount setting information;
judging whether the current transfer value is larger than a preset large-amount transfer lower limit value or not;
and when the current transfer value is greater than the preset lower limit value of the large-amount transfer, a preset large-amount real-time transfer channel and a preset large-amount daily transfer channel are used as target transfer channels.
Preferably, after the step of determining whether the current transfer value is greater than a preset lower limit value of the large-amount transfer, the arrival time table generating method further includes:
when the target client side does not start a preset large-amount transfer function or the current transfer value is smaller than or equal to a preset large-amount starting transfer amount, acquiring a current transfer queue identifier;
matching the current transfer queue identification with a preset empty queue identification to obtain an identification matching result;
and when the identification matching result is successful, taking a preset real-time arrival account channel and a preset large-amount forward real-time transfer account channel as a target transfer account channel.
Preferably, the step of determining the account arrival time corresponding to each target transfer channel, and sorting the account arrival time to obtain a sorting result specifically includes:
searching account arrival time corresponding to each target transfer channel in a preset mapping relation table, wherein the preset mapping relation table comprises the corresponding relation between the target transfer channel and the account arrival time;
determining current payment object information according to the current transaction object information, and determining a target ordering strategy according to the current payment object;
and sequencing the account arrival time based on the target sequencing strategy to obtain a sequencing result.
Preferably, the step of generating a target billing schedule according to the sorting result and sending the target billing schedule to the target client includes:
acquiring current login user information of the target client;
searching historical use information of the current login user according to the current login user information, and determining a user image of the current login user according to the historical use information;
and generating a target account-arriving time table based on the user portrait and the sequencing result, and sending the target account-arriving time table to the target client.
Furthermore, to achieve the above object, the present invention also proposes an arrival schedule generating apparatus comprising a memory, a processor, and an arrival schedule generating program stored on the memory and executable on the processor, the arrival schedule generating program being configured to implement the steps of the arrival schedule generating method as described above.
Furthermore, to achieve the above object, the present invention also proposes a storage medium having stored thereon an arrival-to-be-billed schedule generation program that, when executed by a processor, implements the steps of the arrival-to-be-billed schedule generation method as described above.
In addition, in order to achieve the above object, the present invention further provides an account arrival schedule generating apparatus, where the account arrival schedule generating apparatus includes an extracting module, a determining module, a sorting module, and a generating module;
the extraction module is used for extracting information of the transfer request when receiving the transfer request sent by the target client side, and obtaining current transfer value information and current transaction object information;
the determining module is used for determining at least one target transfer channel according to the current transfer value information and the current transaction object information;
the sorting module is used for determining account arrival time corresponding to each target transfer channel, sorting the account arrival time and obtaining a sorting result;
and the generating module is used for generating a target account-arriving time table according to the sequencing result and sending the target account-arriving time table to the target client.
In the invention, when a transfer request sent by a target client is received, information extraction is carried out on the transfer request to obtain current transfer value information and current transaction object information, at least one target transfer channel is determined according to the current transfer value information and the current transaction object information, account arrival time corresponding to each target transfer channel is determined, the account arrival time is sequenced to obtain a sequencing result, a target account arrival time table is generated according to the sequencing result, and the target account arrival time table is sent to the target client; compared with the existing mode that the available account arrival time cannot be obtained when the user transfers accounts, the method and the device determine the target account transfer channel according to the current account transfer value information and the current transaction object information, determine the account arrival time according to the target account transfer channel, sequence the account arrival time, obtain the target account arrival time table, and send the target account arrival time table to the target client side, so that the available account arrival time table can be automatically generated to meet the actual requirements of the user.
Drawings
Fig. 1 is a schematic structural diagram of an account arrival schedule generation device of a hardware operating environment according to an embodiment of the present invention;
FIG. 2 is a flowchart illustrating a first embodiment of an arrival time table generating method according to the present invention;
FIG. 3 is a flowchart illustrating a second embodiment of an arrival time table generating method according to the present invention;
FIG. 4 is a flowchart illustrating a method for generating an account arrival schedule according to a third embodiment of the present invention;
fig. 5 is a block diagram of the first embodiment of the arrival-time table generating apparatus according to the present invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
Referring to fig. 1, fig. 1 is a schematic structural diagram of an account arrival schedule generating device of a hardware operating environment according to an embodiment of the present invention.
As shown in fig. 1, the posting schedule generation apparatus may include: a processor 1001, such as a Central Processing Unit (CPU), a communication bus 1002, a user interface 1003, a network interface 1004, and a memory 1005. Wherein a communication bus 1002 is used to enable connective communication between these components. The user interface 1003 may include a Display screen (Display), and the optional user interface 1003 may further include a standard wired interface and a wireless interface, and the wired interface for the user interface 1003 may be a USB interface in the present invention. The network interface 1004 may optionally include a standard wired interface, a WIreless interface (e.g., a WIreless-FIdelity (WI-FI) interface). The Memory 1005 may be a Random Access Memory (RAM) Memory or a Non-volatile Memory (NVM), such as a disk Memory. The memory 1005 may alternatively be a storage device separate from the processor 1001.
Those skilled in the art will appreciate that the configuration shown in fig. 1 does not constitute a limitation of the accounting schedule generating apparatus and may include more or fewer components than those shown, or some components in combination, or a different arrangement of components.
As shown in fig. 1, a memory 1005, identified as one type of computer storage medium, may include an operating system, a network communication module, a user interface module, and an accounting schedule generation program.
In the accounting schedule generating apparatus shown in fig. 1, the network interface 1004 is mainly used for connecting to a background server and performing data communication with the background server; the user interface 1003 is mainly used for connecting user equipment; the posting schedule generation apparatus calls a posting schedule generation program stored in the memory 1005 by the processor 1001 and executes the posting schedule generation method provided by the embodiment of the present invention.
Based on the above hardware structure, an embodiment of the present invention is provided.
Referring to fig. 2, fig. 2 is a flowchart illustrating a first embodiment of the present invention, which proposes a first embodiment of the present invention.
Step S10: and when receiving a transfer request sent by a target client, extracting information of the transfer request to obtain current transfer value information and current transaction object information.
It should be understood that the execution subject of this embodiment is the arrival account schedule generating device, where the arrival account schedule generating device may be an electronic device such as a computer and a server, and may also be another device that can implement the same or similar functions.
It should be noted that the target client may be a terminal device that establishes a communication connection with the arrival schedule generating device in advance, for example, a mobile phone, a computer, an Automatic Teller Machine (ATM), and the like; the transfer request can be a transfer request initiated by a user who passes identity authentication through a target client, wherein the transfer request can contain user information, current transfer value information, current transaction object information and the like; the current transfer value information may be information used to represent a transfer amount of the user, and the current transaction object information may include current payment object information, current collection object information, and the like, which is not limited in this embodiment.
It can be understood that the information extraction is performed on the transfer request, the obtaining of the current transfer value information and the current transaction object information may be an information identifier for obtaining the transfer request, the sorting is performed on the transfer request according to the information identifier, a sorting result is obtained, and the current transfer value information and the current transaction object information are determined according to the sorting result, where the information identifier may be information for identifying the information type, which is not limited in this embodiment.
Step S20: and determining at least one target transfer channel according to the current transfer value information and the current transaction object information.
It should be noted that the transfer channel may be a specific provider providing payment acceptance capability or a channel party jumping from three parties, and also may be an acquirer and a clearing party, such as a direct channel of a central banking system, a unionpay channel, and the like, which is not limited in this embodiment.
It should be understood that the determining of the at least one target transfer channel according to the current transfer value information and the current transaction object information may be determining current payment object information and current collection object information according to the current transaction object information, matching the current payment object information with the current collection object information to obtain an information matching result, and when the information matching result is a matching success, using a preset intra-row real-time transfer channel and a preset intra-row next-day transfer channel as the target transfer channels.
Step S30: and determining the account arrival time corresponding to each target transfer channel, and sequencing the account arrival time to obtain a sequencing result.
It should be noted that the arrival time may be a time from when the transfer money is transferred from the current payment object to when the current collection object completes the payment of the money.
It should be understood that, the sorting of the account arrival time may be to sort the account arrival time according to the order of the account arrival time to obtain the sorting result.
Further, in order to quickly determine the account arrival time and generate a sorting result in accordance with the actual demand of the current payment object, the determining the account arrival time corresponding to each target transfer channel and sorting the account arrival time to obtain the sorting result includes:
and searching account arrival time corresponding to each target transfer channel in a preset mapping relation table, wherein the preset mapping relation table comprises the corresponding relation between the target transfer channels and the account arrival time, determining current payment object information according to the current transaction object information, determining a target sorting strategy according to the current payment object, sorting the account arrival time based on the target sorting strategy, and obtaining a sorting result.
Step S40: and generating a target account-arriving time table according to the sequencing result, and sending the target account-arriving time table to the target client.
It should be noted that the target accounting time table may be an available accounting time table when the user performs the transfer, and this embodiment does not limit this.
It should be understood that, generating the target account arrival time table according to the sorting result, and sending the target account arrival time table to the target client may aggregate the account arrival time according to the sorting result and a preset presentation template, to obtain the target account arrival time table, and send the target account arrival time table to the target client, where the preset presentation template may be a preset account arrival time presentation template.
Further, in order to quickly and accurately generate a target account time table fitting the use habit of the user and improve the user experience, the generating the target account time table according to the sorting result and sending the target account time table to the target client includes:
acquiring current login user information of the target client, searching historical use information of a current login user according to the current login user information, determining a user portrait of the current login user according to the historical use information, generating a target account-arriving time table based on the user portrait and the sequencing result, and sending the target account-arriving time table to the target client.
In the first embodiment, when a transfer request sent by a target client is received, information extraction is carried out on the transfer request, current transfer value information and current transaction object information are obtained, at least one target transfer channel is determined according to the current transfer value information and the current transaction object information, account arrival time corresponding to each target transfer channel is determined, the account arrival time is sequenced, a sequencing result is obtained, a target account arrival time table is generated according to the sequencing result, and the target account arrival time table is sent to the target client; compared with the existing mode that the available account arrival time cannot be obtained when the user transfers accounts, the method and the device determine the target account transfer channel according to the current account transfer value information and the current transaction object information, determine the account arrival time according to the target account transfer channel, sequence the account arrival time, obtain the target account arrival time table, and send the target account arrival time table to the target client side, so that the available account arrival time table can be automatically generated to meet the actual requirements of the user.
Referring to fig. 3, fig. 3 is a flowchart illustrating a second embodiment of the present invention, and the present invention proposes a second embodiment of the present invention based on the first embodiment illustrated in fig. 2.
In the second embodiment, the step S20 includes:
step S201: and determining the current payment object information and the current collection object information according to the current transaction object information.
It should be noted that the current payment object information may be information of a current payment object drawn by money; the current money receiving object information may be information of a current money receiving object to which money is transferred, which is not limited in this embodiment.
It should be understood that the determining of the current payment object information and the current collection object information according to the current transaction object information may be extracting a transaction identity from the current transaction object information, and performing information extraction on the current transaction object information according to the transaction identity to obtain the current payment object information and the current collection object information, where the transaction identity may be information for identifying identities of transaction parties in the current transaction.
Step S202: and matching the current payment object information with the current collection object information to obtain an information matching result.
It can be understood that, matching the current payment object information with the current collection object information to obtain the matching result may be matching an identity in the current payment object information with an identity in the current collection object information to obtain the matching result, for example, if the identity in the current payment object information is bank a and the identity in the current collection object information is bank B, then the matching result is a matching failure.
Step S203: and when the information matching result is successful, taking the real-time transfer channel in the preset line and the next day transfer channel in the preset line as target transfer channels.
It should be noted that the transfer channel may be a specific provider providing payment acceptance capability or a channel party jumping from three parties, and also may be an acquirer, a clearing party, such as a direct connection channel of a central banking system, a union pay channel, and the like, which is not limited in this embodiment; the preset in-line real-time transfer channel can be a preset real-time account arrival channel for in-line transfer operation; the preset intra-row next-day transfer channel may be a preset next-day transfer channel for performing intra-row transfer operation, and this embodiment does not limit this.
It should be understood that when the information matching result is a successful matching, it indicates that the current payment object and the current collection object are the same institution, for example, the current payment object and the current collection object are the same bank, and in this case, the transfer mode may be in-line transfer. Therefore, the real-time transfer channel in the preset row and the next-day transfer channel in the preset row can be directly used as the target transfer channel.
In a second embodiment, current payment object information and current collection object information are determined according to the current transaction object information, the current payment object information is matched with the current collection object information, an information matching result is obtained, and when the information matching result is that matching is successful, a preset in-line real-time transfer channel and a preset in-line next-day transfer channel are used as target transfer channels, so that the transfer channels for in-line transfer can be generated quickly and accurately.
In the second embodiment, the step S30 includes:
step S301: and searching for account arrival time corresponding to each target transfer channel in a preset mapping relation table, wherein the preset mapping relation table comprises the corresponding relation between the target transfer channel and the account arrival time.
It should be noted that the time to account may be the time from the transfer of the money from the current payment object to the completion of the payment of the money by the current collection object; the preset mapping relation table comprises a corresponding relation between the target transfer channel and the arrival time, wherein the corresponding relation between the target transfer channel and the arrival time can be preset according to actual conditions, for example, the arrival time corresponding to the real-time transfer channel in a preset row can be the real-time arrival time; the account arrival time corresponding to the next day transfer channel in the preset row may be the next day account arrival, which is not limited in this embodiment.
Step S302: and determining current payment object information according to the current transaction object information, and determining a target ordering strategy according to the current payment object.
It should be understood that the determination of the target ordering policy according to the current payment object may be to acquire a transfer channel priority of the current payment object, and the determination of the target ordering policy according to the transfer channel priority, wherein the transfer channel priority may be priority information uploaded in advance by the current payment object. For example, the priority of the in-line real-time transfer channel preset by the current payment object is greater than the priority of the in-line next-day transfer channel, and then the target sorting policy may be determined to be before the real-time account arrival and after the next-day account arrival.
Step S303: and sequencing the account arrival time based on the target sequencing strategy to obtain a sequencing result.
It can be understood that the tie-in time is sorted based on the target sorting policy, and the obtained sorting result may be obtained by directly sorting the tie-in time according to a sorting mode in the target sorting policy.
In a second embodiment, account arrival time corresponding to each destination transfer channel is searched in a preset mapping relation table, the preset mapping relation table comprises a corresponding relation between the destination transfer channel and the account arrival time, current payment object information is determined according to the current transaction object information, a destination sorting strategy is determined according to the current payment object, the account arrival time is sorted based on the destination sorting strategy, a sorting result is obtained, the account arrival time can be determined quickly, and the sorting result fitting the actual requirement of the current payment object is generated.
In the second embodiment, the step S40 includes:
step S401: and acquiring the current login user information of the target client.
It should be noted that the current login user information may be information used to describe a user name, a password, a bound account, and the like of the current login user, which is not limited in this embodiment.
Step S402: and searching the historical use information of the current login user according to the information of the current login user, and determining the user image of the current login user according to the historical use information.
It should be noted that the historical usage information may be operation data generated when the current login user performs a transfer operation.
It can be understood that, the searching for the historical usage information of the current login user according to the current login user information may be extracting a current login user identifier from the current login user information, and searching for the historical usage information corresponding to the current login user identifier in a preset database, where the preset database may be a preset database for storing usage information.
It should be understood that the determining of the user image of the current login user according to the historical usage information may be determining the user image of the current login user through a preset image construction model according to the historical usage information, wherein the preset image construction model includes at least one of a regression algorithm, a decision tree algorithm, and a support vector machine algorithm, and this embodiment is not limited thereto.
Step S403: and generating a target account-arriving time table based on the user portrait and the sequencing result, and sending the target account-arriving time table to the target client.
It should be noted that the target accounting time table may be an available accounting time table when the user performs the transfer, and this embodiment does not limit this.
It should be appreciated that generating the target-to-account schedule based on the user representation and the sort results may be determining frequently selected account-to-account times of the user during use based on the user representation, and updating the sort results according to the frequently selected account-to-account times of the user during use, with the frequently selected account-to-account times of the user being listed in front of the list to generate the target-to-account schedule.
In a second embodiment, by obtaining information of a current login user of the target client, searching historical use information of the current login user according to the information of the current login user, determining a user portrait of the current login user according to the historical use information, generating a target account arrival time table based on the user portrait and the sequencing result, and sending the target account arrival time table to the target client, the target account arrival time table fitting the use habit of the user can be quickly and accurately generated, and user experience is improved.
Referring to fig. 4, fig. 4 is a flowchart illustrating a method for generating an account arrival time table according to a third embodiment of the present invention, and the third embodiment of the method for generating an account arrival time table according to the present invention is proposed based on the first embodiment illustrated in fig. 3.
In the third embodiment, after the step S202, the method further includes:
step S203': and when the information matching result is that the matching fails, judging whether the current collection object is a preset internet bank interconnection object or not according to the current collection object information.
It should be noted that the preset internet bank interconnection object may be an authorized object in the internet bank interconnection cross-bank payment system, which is not limited in this embodiment.
It should be understood that, when the information matching result is a matching failure, it indicates that the current payment object and the current collection object are not in the same institution, for example, the current payment object and the current collection object are not in the same bank, and at this time, it is necessary to determine whether the current collection object is an authorized object in the internet bank interconnection cross-bank payment system, that is, whether the current collection object is a preset internet bank interconnection object.
It can be understood that, the judging whether the current collection object is the preset internet bank interconnection object according to the current collection object information may be matching an identity identifier in the current collection object information with an authorization object identifier in a preset internet bank interconnection library to obtain a matching result, and judging whether the current collection object is the preset internet bank interconnection object according to the matching result, wherein the preset internet bank interconnection library includes a preset authorization object identifier.
Step S204': and judging whether the current transfer value is less than or equal to a preset internet bank interconnection threshold value or not according to the current transfer value information.
It should be noted that the preset internet bank interconnection threshold value may be a preset upper limit value of the transfer of the internet bank interconnection cross-bank payment system.
It should be understood that when the current collection object is a preset internet bank interconnection object and the current transfer value is less than or equal to a preset internet bank interconnection threshold value, the preset real-time internet bank interconnection transfer channel is used as a target transfer channel, wherein the preset real-time internet bank interconnection transfer channel may be a preset real-time transfer channel for performing internet bank interconnection transfer operation.
Step S205': and when the current collection object is not a preset internet bank interconnection object or the current transfer value is larger than a preset internet bank interconnection threshold value, judging whether the current transfer value is smaller than or equal to a preset small-amount transfer upper limit value or not.
It should be noted that the preset upper limit value of the micropayment transfer may be a preset upper limit value of the micropayment transfer of the system.
Further, in order to generate a reliable transfer channel when the current transfer value is greater than the preset upper limit value of the small amount transfer, after step S205', the method further includes:
when the current transfer value is larger than the preset small transfer upper limit value, obtaining the limit setting information of the target client;
judging whether a preset large-amount transfer function is started by the target client side according to the amount setting information;
judging whether the current transfer value is larger than a preset large-amount transfer lower limit value or not;
and when the current transfer value is greater than the preset lower limit value of the large-amount transfer, a preset large-amount real-time transfer channel and a preset large-amount daily transfer channel are used as target transfer channels.
It should be noted that the amount setting information may be setting information of whether the user preset the large amount payment function is started; the preset lower limit value of the large amount transfer can be a preset lower limit value of the transfer of the large amount payment system; the preset large-amount real-time transfer channel can be a preset real-time account arrival channel for performing large-amount transfer operation; the preset large-amount daily transfer channel can be a preset secondary arrival channel for performing large-amount transfer operation.
It should be understood that when a preset large-amount transfer function is started at a target client and the current transfer value is greater than a preset large-amount transfer lower limit value, a preset large-amount real-time transfer channel and a preset large-amount next-day transfer channel can be used as target transfer channels; or the current system time is obtained, whether the current system time is in the service time of a second-generation large-amount system or not is judged, a preset large-amount transfer function is started at a target client, the current system time is in the service time of the second-generation large-amount system, and when the current transfer value is larger than a preset large-amount transfer lower limit value, a preset large-amount real-time transfer channel and a preset large-amount next-day transfer channel are used as target transfer channels.
Further, in order to generate a reliable transfer channel when the target client does not start a preset large-amount transfer function or when the current transfer value is less than or equal to the preset large-amount starting transfer amount, the step of judging whether the current transfer value is greater than a preset large-amount transfer lower limit value further includes:
when the target client side does not start a preset large-amount transfer function or the current transfer value is smaller than or equal to a preset large-amount starting transfer amount, acquiring a current transfer queue identifier;
matching the current transfer queue identification with a preset empty queue identification to obtain an identification matching result;
and when the identification matching result is successful, taking a preset real-time arrival account channel and a preset large-amount forward real-time transfer account channel as a target transfer account channel.
It should be noted that the current transfer queue identifier may be information used to identify whether the current transfer queue is an empty queue, which is not limited in this embodiment; the preset empty queue identifier may be information for identifying an empty queue; the preset real-time account channel can be a preset real-time account channel for transferring account; the preset large amount forward real-time transfer channel can be a preset forward real-time transfer channel for large amount transfer operation.
It should be understood that when the matching result of the identifier is successful, the current transfer queue is indicated as an empty queue, and at this time, the preset real-time account arrival channel and the preset large-amount forward real-time transfer channel can be directly used as the target transfer channel.
Step S206': and when the current transfer value is less than or equal to the preset small-amount transfer upper limit value, using a preset small-amount common transfer channel and a preset small-amount next-day transfer channel as a target transfer channel.
It should be noted that the preset small-amount ordinary transfer channel can be a preset channel for entering account within two hours for carrying out small-amount transfer operation; the preset small-amount daily transfer channel can be a preset small-amount daily transfer channel for carrying out small-amount transfer operation.
In a third embodiment, when the information matching result is a matching failure, whether a current receiving object is a preset internet silver interconnection object is judged according to the current receiving object information, whether a current transfer value is smaller than or equal to a preset internet silver interconnection threshold value is judged according to the current transfer value information, when the current receiving object is not the preset internet silver interconnection object or the current transfer value is larger than the preset internet silver interconnection threshold value, whether the current transfer value is smaller than or equal to a preset small-amount transfer upper limit value is judged, and when the current transfer value is smaller than or equal to the preset small-amount transfer upper limit value, a preset small-amount ordinary transfer channel and a preset small-amount daily transfer channel are used as a target transfer channel; thereby enabling a reliable transfer channel to be generated.
Furthermore, an embodiment of the present invention further provides a storage medium, where the storage medium stores an arrival account schedule generation program, and the arrival account schedule generation program, when executed by a processor, implements the steps of the arrival account schedule generation method as described above.
In addition, referring to fig. 5, an embodiment of the present invention further provides an arrival time table generating apparatus, where the arrival time table generating apparatus includes: an extraction module 10, a determination module 20, a sorting module 30 and a generation module 40;
the extraction module 10 is configured to, when receiving a transfer request sent by a target client, extract information of the transfer request to obtain current transfer value information and current transaction object information.
It should be noted that the target client may be a terminal device that establishes a communication connection with the arrival schedule generating device in advance, for example, a mobile phone, a computer, an Automatic Teller Machine (ATM), and the like; the transfer request can be a transfer request initiated by a user who passes identity authentication through a target client, wherein the transfer request can contain user information, current transfer value information, current transaction object information and the like; the current transfer value information may be information used to represent a transfer amount of the user, and the current transaction object information may include current payment object information, current collection object information, and the like, which is not limited in this embodiment.
It can be understood that the information extraction is performed on the transfer request, the obtaining of the current transfer value information and the current transaction object information may be an information identifier for obtaining the transfer request, the sorting is performed on the transfer request according to the information identifier, a sorting result is obtained, and the current transfer value information and the current transaction object information are determined according to the sorting result, where the information identifier may be information for identifying the information type, which is not limited in this embodiment.
The determining module 20 is configured to determine at least one destination transfer channel according to the current transfer value information and the current transaction object information.
It should be noted that the transfer channel may be a specific provider providing payment acceptance capability or a channel party jumping from three parties, and also may be an acquirer and a clearing party, such as a direct channel of a central banking system, a unionpay channel, and the like, which is not limited in this embodiment.
It should be understood that the determining of the at least one target transfer channel according to the current transfer value information and the current transaction object information may be determining current payment object information and current collection object information according to the current transaction object information, matching the current payment object information with the current collection object information to obtain an information matching result, and when the information matching result is a matching success, using a preset intra-row real-time transfer channel and a preset intra-row next-day transfer channel as the target transfer channels.
The sorting module 30 is configured to determine account arrival times corresponding to the target transfer channels, sort the account arrival times, and obtain a sorting result.
It should be noted that the arrival time may be a time from when the transfer money is transferred from the current payment object to when the current collection object completes the payment of the money.
It should be understood that, the sorting of the account arrival time may be to sort the account arrival time according to the order of the account arrival time to obtain the sorting result.
Further, in order to quickly determine the account arrival time and generate a sorting result in accordance with the actual demand of the current payment object, the determining the account arrival time corresponding to each target transfer channel and sorting the account arrival time to obtain the sorting result includes:
and searching account arrival time corresponding to each target transfer channel in a preset mapping relation table, wherein the preset mapping relation table comprises the corresponding relation between the target transfer channels and the account arrival time, determining current payment object information according to the current transaction object information, determining a target sorting strategy according to the current payment object, sorting the account arrival time based on the target sorting strategy, and obtaining a sorting result.
The generating module 40 is configured to generate a target accounting time table according to the sorting result, and send the target accounting time table to the target client.
It should be noted that the target accounting time table may be an available accounting time table when the user performs the transfer, and this embodiment does not limit this.
It should be understood that, generating the target account arrival time table according to the sorting result, and sending the target account arrival time table to the target client may aggregate the account arrival time according to the sorting result and a preset presentation template, to obtain the target account arrival time table, and send the target account arrival time table to the target client, where the preset presentation template may be a preset account arrival time presentation template.
Further, in order to quickly and accurately generate a target account time table fitting the use habit of the user and improve the user experience, the generating the target account time table according to the sorting result and sending the target account time table to the target client includes:
acquiring current login user information of the target client, searching historical use information of a current login user according to the current login user information, determining a user portrait of the current login user according to the historical use information, generating a target account-arriving time table based on the user portrait and the sequencing result, and sending the target account-arriving time table to the target client.
In the embodiment, when a transfer request sent by a target client is received, information extraction is carried out on the transfer request, current transfer value information and current transaction object information are obtained, at least one target transfer channel is determined according to the current transfer value information and the current transaction object information, account arrival time corresponding to each target transfer channel is determined, the account arrival time is sequenced, a sequencing result is obtained, a target account arrival time table is generated according to the sequencing result, and the target account arrival time table is sent to the target client; compared with the existing mode that the available account arrival time cannot be obtained when the user transfers accounts, the method and the device determine the target account transfer channel according to the current account transfer value information and the current transaction object information, determine the account arrival time according to the target account transfer channel, sequence the account arrival time, obtain the target account arrival time table, and send the target account arrival time table to the target client side, so that the available account arrival time table can be automatically generated to meet the actual requirements of the user.
In an embodiment, the determining module 20 is further configured to determine current payment object information and current collection object information according to the current transaction object information, match the current payment object information with the current collection object information, obtain an information matching result, and when the information matching result is that matching is successful, use a real-time transfer channel in a preset row and a next-day transfer channel in the preset row as a target transfer channel;
in an embodiment, the determining module 20 is further configured to, when the information matching result is a matching failure, determine whether a current receiving object is a preset internet-silver interconnection object according to the current receiving object information, determine whether a current transfer value is smaller than or equal to a preset internet-silver interconnection threshold according to the current transfer value information, determine whether the current transfer value is smaller than or equal to a preset small-amount transfer upper limit value when the current receiving object is not the preset internet-silver interconnection object or the current transfer value is greater than the preset internet-silver interconnection threshold, and when the current transfer value is smaller than or equal to the preset small-amount transfer upper limit value, use a preset small-amount ordinary transfer channel and a preset small-amount secondary daily transfer channel as a target transfer channel;
in an embodiment, the determining module 20 is further configured to, when the current transfer value is greater than a preset small-amount transfer upper limit value, obtain the amount setting information of the target client, determine whether the target client starts a preset large-amount transfer function according to the amount setting information, determine whether the current transfer value is greater than a preset large-amount transfer lower limit value, start the preset large-amount transfer function at the target client, and when the current transfer value is greater than the preset large-amount transfer lower limit value, use a preset large-amount real-time transfer channel and a preset large-amount daily transfer channel as the target transfer channel;
in an embodiment, the determining module 20 is further configured to, when the target client does not start a preset large-amount transfer function, or the current transfer value is less than or equal to a preset large-amount starting transfer amount, obtain a current transfer queue identifier, match the current transfer queue identifier with a preset empty queue identifier, obtain an identifier matching result, and when the identifier matching result is that matching is successful, use a preset real-time arrival channel and a preset large-amount forward delay real-time transfer channel as the target transfer channel;
in an embodiment, the sorting module 30 is further configured to search for account arrival time corresponding to each destination transfer channel in a preset mapping table, where the preset mapping table includes a correspondence between the destination transfer channel and the account arrival time, determine current payment object information according to the current transaction object information, determine a destination sorting policy according to the current payment object, sort the account arrival time based on the destination sorting policy, and obtain a sorting result;
in an embodiment, the generating module 40 is further configured to obtain information of a current login user of the target client, search historical usage information of the current login user according to the information of the current login user, determine a user portrait of the current login user according to the historical usage information, generate a target account arrival time table based on the user portrait and the sorting result, and send the target account arrival time table to the target client.
Other embodiments or specific implementation manners of the arrival time table generating device according to the present invention may refer to the above method embodiments, and are not described herein again.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system 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 system. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments. In the unit claims enumerating several means, several of these means may be embodied by one and the same item of hardware. The use of the words first, second, third, etc. do not denote any order, but rather the words first, second, third, etc. are to be interpreted as names.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present invention or portions thereof that contribute to the prior art may be embodied in the form of a software product, where the computer software product is stored in a storage medium (e.g., a Read Only Memory (ROM)/Random Access Memory (RAM), a magnetic disk, an optical disk), and includes several instructions for enabling a terminal device (e.g., a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (10)
1. An account arrival schedule generating method, characterized by comprising the steps of:
when a transfer request sent by a target client is received, extracting information of the transfer request to obtain current transfer value information and current transaction object information;
determining at least one target transfer channel according to the current transfer value information and the current transaction object information;
determining account arrival time corresponding to each target transfer channel, and sequencing the account arrival time to obtain a sequencing result;
and generating a target account-arriving time table according to the sequencing result, and sending the target account-arriving time table to the target client.
2. The method for generating an arrival schedule of claim 1, wherein the step of determining at least one destination transfer channel according to the current transfer value information and the current transaction object information specifically comprises:
determining current payment object information and current collection object information according to the current transaction object information;
matching the current payment object information with the current collection object information to obtain an information matching result;
and when the information matching result is successful, taking the real-time transfer channel in the preset line and the next day transfer channel in the preset line as target transfer channels.
3. The posting timeline generating method of claim 2, wherein after said step of matching said current payment object information with said current collection object information to obtain an information matching result, said posting timeline generating method further comprises:
when the information matching result is that the matching fails, judging whether the current collection object is a preset internet bank interconnection object or not according to the current collection object information;
judging whether the current transfer value is smaller than or equal to a preset internet bank interconnection threshold value or not according to the current transfer value information;
when the current collection object is not a preset internet bank interconnection object or the current transfer value is larger than a preset internet bank interconnection threshold value, judging whether the current transfer value is smaller than or equal to a preset small-amount transfer upper limit value or not;
and when the current transfer value is less than or equal to the preset small-amount transfer upper limit value, using a preset small-amount common transfer channel and a preset small-amount next-day transfer channel as a target transfer channel.
4. The arrival time table generating method as claimed in claim 3, wherein after the step of judging whether the current transfer value is less than or equal to a preset small transfer upper limit value, the arrival time table generating method further comprises:
when the current transfer value is larger than the preset small transfer upper limit value, obtaining the limit setting information of the target client;
judging whether a preset large-amount transfer function is started by the target client side according to the amount setting information;
judging whether the current transfer value is larger than a preset large-amount transfer lower limit value or not;
and when the current transfer value is greater than the preset lower limit value of the large-amount transfer, a preset large-amount real-time transfer channel and a preset large-amount daily transfer channel are used as target transfer channels.
5. The arrival time table generating method as claimed in claim 4, wherein after the step of judging whether the current transfer value is greater than a preset lower limit value of the large-amount transfer, the arrival time table generating method further comprises:
when the target client side does not start a preset large-amount transfer function or the current transfer value is smaller than or equal to a preset large-amount starting transfer amount, acquiring a current transfer queue identifier;
matching the current transfer queue identification with a preset empty queue identification to obtain an identification matching result;
and when the identification matching result is successful, taking a preset real-time arrival account channel and a preset large-amount forward real-time transfer account channel as a target transfer account channel.
6. The account arrival schedule generating method according to any one of claims 1 to 5, wherein the step of determining the account arrival time corresponding to each destination transfer channel, and sorting the account arrival times to obtain a sorting result specifically comprises:
searching account arrival time corresponding to each target transfer channel in a preset mapping relation table, wherein the preset mapping relation table comprises the corresponding relation between the target transfer channel and the account arrival time;
determining current payment object information according to the current transaction object information, and determining a target ordering strategy according to the current payment object;
and sequencing the account arrival time based on the target sequencing strategy to obtain a sequencing result.
7. The method according to any one of claims 1 to 5, wherein the step of generating a target billing schedule according to the sorting result and sending the target billing schedule to the target client specifically includes:
acquiring current login user information of the target client;
searching historical use information of the current login user according to the current login user information, and determining a user image of the current login user according to the historical use information;
and generating a target account-arriving time table based on the user portrait and the sequencing result, and sending the target account-arriving time table to the target client.
8. An arrival time table generating device characterized by comprising: memory, a processor and a ledger schedule generation program stored on the memory and executable on the processor, which when executed by the processor implements the steps of the ledger schedule generation method of any of claims 1 to 7.
9. A storage medium having stored thereon an ledger schedule generation program which, when executed by a processor, implements the steps of the ledger schedule generation method according to any one of claims 1 to 7.
10. An arrival time table generating apparatus, characterized in that the arrival time table generating apparatus comprises: the device comprises an extraction module, a determination module, a sequencing module and a generation module;
the extraction module is used for extracting information of the transfer request when receiving the transfer request sent by the target client side, and obtaining current transfer value information and current transaction object information;
the determining module is used for determining at least one target transfer channel according to the current transfer value information and the current transaction object information;
the sorting module is used for determining account arrival time corresponding to each target transfer channel, sorting the account arrival time and obtaining a sorting result;
and the generating module is used for generating a target account-arriving time table according to the sequencing result and sending the target account-arriving time table to the target client.
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