CN114240391A

CN114240391A - Method, apparatus, electronic device, medium, and program product for additional recording of declaration information

Info

Publication number: CN114240391A
Application number: CN202111585675.3A
Authority: CN
Inventors: 王微微
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2021-12-22
Filing date: 2021-12-22
Publication date: 2022-03-25

Abstract

The present disclosure provides a method, apparatus, electronic device, medium, and computer program product for the reimbursement of information for the bi-directional transfer of cross-border funds, which may be used in the big data field. The method includes obtaining a money transfer unique identifier of a money transfer item of a cross-border money transfer system; acquiring declaration information data of a client corresponding to remittance money, wherein the declaration information data comprises unstructured data; storing the unstructured data to a first database, and generating a unique address corresponding to the unstructured data; collecting the unique address and the remittance unique identifier into stream information; storing the running water information to a second database; obtaining a remittance message corresponding to remittance money of a cross-border fund remittance system, wherein the remittance message comprises a remittance unique identifier; extracting the unique address in the corresponding flow information from the second database according to the unique remittance identification in the remittance message; and downloading the unstructured data from the first database according to the extracted unique address.

Description

Method, apparatus, electronic device, medium, and program product for additional recording of declaration information

Technical Field

The present disclosure relates to the field of big data technologies, and more particularly, to a method, an apparatus, an electronic device, a medium, and a computer program product for subsidizing information for cross-border fund bidirectional transfer.

Background

For the cross-border fund two-way transfer service, the service essence is cross-border foreign exchange export and cross-border foreign exchange import. China is a foreign exchange control country, and trade background examination and international reimbursement for cross-border fund change are required according to the supervision requirements. At present, trade background information of the business is supplemented and checked by landing the transaction on a bank counter, and a teller contacts a client to manually enter and complete under-line checking processing. The teller contacts the customer off line and requires the customer to go to the website to submit the materials, then manually enters the materials in the system, and submits the materials to the people's bank to finish the remittance or the remittance. The cross-border fund bidirectional transfer can be understood as a function that cross-border group customers transfer cross-border funds in a group. The function supports domestic headquarters to make funds dial-down (foreign exchange remittance) to foreign subsidiaries, and supports foreign subsidiaries to make funds collection (foreign exchange remittance) to domestic headquarters. The manual operation mode has the problems of risk of manual operation and low processing efficiency, and reduces the timeliness of the foreign exchange remittance transaction.

The cross-border fund bidirectional transfer product has two modes, namely the foreign exchange remittance of a group internal main account to an external sub-account and the foreign exchange remittance of the group external sub-account to an internal main account. For the foreign exchange export, the existing implementation mode is that a group main company initiates fund down-dialing to a subsidiary company through a bank on a bank network, namely the foreign exchange export transaction. After the transaction is sent out, the online bank makes basic judgment on the transaction information and then goes to the account number issuer of the payer to be converted into manual processing by the bank. After the bank of account opening checks the transaction remitted from the foreign exchange, the bank of account opening contacts the group head office online and requires the trade background information of the transaction to be provided on site, and after the trade background information provided by the client online is received and the audit is completed, necessary information is input into the system and the paper background information is filed. And finishing remitting operation after the audit is passed, and finally performing RMB declaration and international reimbursement declaration.

For foreign exchange import, the existing implementation is basically the same as foreign exchange export. When foreign funds enter a bank account, the bank actively contacts a receiver client to request to provide related trade background information and verify the information, the information is retained after the verification is passed, and then the clearing operation is completed, and the client can receive the foreign exchange.

In the prior art, the remittance and remittance transactions organized by SWIFT cannot carry unstructured data, so that customers need to frequently submit various materials to a website and fill out a request form, the burden of the customers is greatly increased, and the labor cost of banks is wasted. In addition, for the mode that the customer provides the transaction certification material on site at the bank counter, fills in application notes and the like, and the bank teller manually inputs the transaction related information, the risk of misoperation exists, the efficiency of the pure manual processing mode is low, a large amount of time is wasted in the process of waiting for the customer to provide the certification material and input the information, and meanwhile, the timeliness of remittance and posting of the foreign exchange transaction is reduced.

Disclosure of Invention

In view of the foregoing, the present disclosure provides an efficient, accurate and economical method, apparatus, electronic device, computer-readable storage medium and computer program product for subsidizing information for bi-directional transfers of cross-border funds.

One aspect of the present disclosure provides a declaration information additional recording method for cross-border fund bidirectional transfer, including: obtaining a remittance unique identifier of a remittance item of a cross-border fund remittance system; obtaining declaration information data of a customer corresponding to the remittance money based on customer consent, wherein the declaration information data comprises unstructured data; storing the unstructured data to a first database and generating a unique address corresponding to the unstructured data; aggregating the unique address and the remittance unique identifier into stream information; storing the flow information to a second database; obtaining a remittance message corresponding to the remittance money of a cross-border fund remittance system, wherein the remittance message comprises the remittance unique identification; extracting the unique address in the corresponding running information from the second database according to the unique remittance identification in the remittance message; and downloading the unstructured data from the first database according to the extracted unique address.

According to the declaration information additional recording method for the cross-border fund bidirectional transfer, the declaration information data in the non-structured data form is obtained, so that a client can be supported to upload trade background information files in various forms, and the client can finish cross-border remittance information submission, background verification and international collection and payment declaration processes without going out. The method can conveniently complete the input of the unstructured data, and after the unstructured data are downloaded, the worker can directly read the unstructured data, so that the client does not need to be contacted to issue relevant information, and on one hand, the working efficiency is improved; on the other hand, the payment timeliness of foreign exchange type business can be accelerated, and the labor and time cost of customers and banks can be saved.

In some embodiments, the reporting information data further comprises structured data, the method further comprising: aggregating the structured data with the unique address and the remittance unique identifier into streaming information; and extracting the corresponding structured data in the pipelining information from the second database according to the unique remittance identification in the remittance message.

In some embodiments, the structured data comprises: and at least one of account information of both sides of the cross-border fund transaction, transaction amount, remarks, postings and contract numbers.

In some embodiments, the unstructured data comprises: at least one of contract text, enterprise license image data, transaction order, transaction statement, and transaction audio.

In some embodiments, the remittance money includes remittance money or remittance money, and the obtaining declaration information data of the customer corresponding to the remittance money based on customer approval includes: acquiring declaration information data of the receiving client corresponding to the remitted money based on the agreement of the receiving client; or acquiring declaration information data of the remittance client corresponding to the remittance money based on the agreement of the remittance client.

In some embodiments, the first database is a remote database, the remote database being a multidimensional database.

In some embodiments, the second database is a local database.

Another aspect of the present disclosure provides a declaration information additional recording apparatus for cross-border fund bidirectional transfer, including: a fund transfer module for executing a remittance unique identifier for obtaining remittance money of the cross-border fund remittance system; the information input module is used for acquiring declaration information data of the customer corresponding to the remittance money based on customer consent, wherein the declaration information data comprises unstructured data; the fund transfer module is used for storing the unstructured data into a first database and generating a unique address corresponding to the unstructured data; the fund transfer module is used for summarizing the unique address and the remittance unique identifier into stream information; the fund transfer module is used for storing the flow information to a second database; the system comprises an information registration module, a remittance module and a remittance management module, wherein the information registration module is used for acquiring a remittance message of a cross-border fund remittance system corresponding to the remittance money, and the remittance message comprises a remittance unique identifier; the information supplementing and recording module is used for extracting the corresponding unique address in the flow information from the second database according to the unique remittance identification in the remittance message; and the information supplementary recording module is used for downloading the unstructured data from the first database according to the extracted unique address.

Another aspect of the present disclosure provides an electronic device comprising one or more processors and one or more memories, wherein the memories are configured to store executable instructions that, when executed by the processors, implement the method as described above.

Another aspect of the present disclosure provides a computer-readable storage medium storing computer-executable instructions for implementing the method as described above when executed.

Another aspect of the disclosure provides a computer program product comprising a computer program comprising computer executable instructions for implementing the method as described above when executed.

Drawings

The above and other objects, features and advantages of the present disclosure will become more apparent from the following description of embodiments of the present disclosure with reference to the accompanying drawings, in which:

fig. 1 schematically illustrates an exemplary system architecture to which the methods, apparatus, and methods may be applied, in accordance with an embodiment of the present disclosure;

FIG. 2 schematically illustrates a flow diagram of a method of subsidizing information for a bi-directional transfer of cross-border funds according to an embodiment of the present disclosure;

FIG. 3 schematically illustrates a flow chart for obtaining customer declaration information data corresponding to a money transfer based on customer consent, in accordance with an embodiment of the present disclosure;

FIG. 4 schematically illustrates a flow chart of a method of subsidizing information for a bi-directional transfer of cross-border funds according to an embodiment of the present disclosure;

FIG. 5 schematically illustrates a block diagram of an advisory information reimbursement facility for a two-way transfer of cross-border funds in accordance with an embodiment of the present disclosure;

fig. 6 schematically shows a block diagram of an electronic device according to an embodiment of the disclosure.

Detailed Description

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is illustrative only and is not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present disclosure.

In the technical scheme of the disclosure, the acquisition, storage, application and the like of the personal information of the related user all accord with the regulations of related laws and regulations, necessary security measures are taken, and the customs of the public order is not violated. In the technical scheme of the disclosure, the data acquisition, collection, storage, use, processing, transmission, provision, disclosure, application and other processing are all in accordance with the regulations of relevant laws and regulations, necessary security measures are taken, and the public order and good custom are not violated.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The terms "comprises," "comprising," and the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.

Where a convention analogous to "A, B or at least one of C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B or C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.). The terms "first", "second" and "first" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, features defined as "first", "second", may explicitly or implicitly include one or more of the described features.

Embodiments of the present disclosure provide a method, apparatus, electronic device, computer-readable storage medium, and computer program product for subsidizing information for cross-border fund bidirectional transfers. The declaration information additional recording method for cross-border fund bidirectional transfer comprises the following steps: acquiring reporting information data, wherein the reporting information data comprises unstructured data; storing the unstructured data to a first database, and generating a unique address corresponding to the unstructured data; obtaining a remittance unique identifier of a remittance item corresponding to the declaration information of the cross-border fund remittance system; collecting the unique address and the remittance unique identifier into stream information; storing the running water information to a second database; obtaining a remittance message corresponding to declaration information of a cross-border fund remittance system, wherein the remittance message comprises a remittance unique identifier; extracting the unique address in the corresponding flow information from the second database according to the unique remittance identification in the remittance message; and downloading the unstructured data from the first database according to the extracted unique address.

It should be noted that the declaration information additional recording method, device, electronic device, computer-readable storage medium and computer program product for cross-border fund bidirectional transfer of the present disclosure may be used in the big data field, and may also be used in any field other than the big data field, such as the financial field, and the field of the present disclosure is not limited herein.

Fig. 1 schematically illustrates an exemplary system architecture 100 in which a method, apparatus, electronic device, computer-readable storage medium, and computer program product for subsidizing information for bi-directional transfers of cross-border funds may be applied, according to embodiments of the present disclosure. It should be noted that fig. 1 is only an example of a system architecture to which the embodiments of the present disclosure may be applied to help those skilled in the art understand the technical content of the present disclosure, and does not mean that the embodiments of the present disclosure may not be applied to other devices, systems, environments or scenarios.

As shown in fig. 1, the system architecture 100 according to this embodiment may include

terminal devices

101, 102, 103, a network 104 and a server 105. The network 104 serves as a medium for providing communication links between the

terminal devices

101, 102, 103 and the server 105. Network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

The user may use the

terminal devices

101, 102, 103 to interact with the server 105 via the network 104 to receive or send messages or the like. The

terminal devices

101, 102, 103 may have installed thereon various communication client applications, such as shopping-like applications, web browser applications, search-like applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).

The

terminal devices

101, 102, 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The server 105 may be a server providing various services, such as a background management server (for example only) providing support for websites browsed by users using the

terminal devices

101, 102, 103. The background management server may analyze and perform other processing on the received data such as the user request, and feed back a processing result (e.g., a webpage, information, or data obtained or generated according to the user request) to the terminal device.

It should be noted that the declaration information entry method for the cross-border fund bidirectional transfer provided by the embodiment of the present disclosure may be generally executed by the server 105. Accordingly, the declaration information additional recording device for the cross-border fund bidirectional transfer provided by the embodiment of the disclosure can be generally arranged in the server 105. The declaration information additional recording method for the cross-border fund bidirectional transfer provided by the embodiment of the disclosure can also be executed by a server or a server cluster which is different from the server 105 and can communicate with the

terminal devices

101, 102 and 103 and/or the server 105. Accordingly, the declaration information additional recording device for the cross-border fund bidirectional transfer provided by the embodiment of the present disclosure may also be disposed in a server or a server cluster different from the server 105 and capable of communicating with the

terminal devices

101, 102, 103 and/or the server 105.

It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

The declaration information additional recording method for cross-border fund bidirectional transfer according to the embodiment of the present disclosure will be described in detail below with reference to fig. 2 to 4 based on the scenario described in fig. 1.

Fig. 2 schematically illustrates a flow chart of a method of subsidizing information for a bi-directional transfer of cross-border funds according to an embodiment of the present disclosure.

As shown in fig. 2, the declaration information additional recording method for the cross-border fund bidirectional transfer of the embodiment includes operations S210 to S280.

At operation S210, a money transfer unique identifier for a money transfer item of a cross-border money transfer system is obtained. It is understood that the cross-border fund bidirectional transfer needs to be completed in the cross-border fund remittance system, for example, the cross-border fund remittance system may be an international settlement system (SWIFT system), and a remittance unique identifier is generated each time a remittance item is transferred, for convenience of understanding, the description will be given by taking an example that the overseas subsidiary B remittance is performed to the domestic subsidiary a, for example, the overseas subsidiary B remittance is performed by 1000 ten thousand to the domestic subsidiary a, and for the 1000 ten thousand remittance, the cross-border fund remittance system generates a remittance unique identifier, and operation S210 may obtain the remittance unique identifier for the 1000 ten thousand remittance from the cross-border fund remittance system.

In operation S220, declaration information data of the customer corresponding to the remittance money is acquired based on the customer approval, wherein the declaration information data includes unstructured data. In some specific examples, the money transfer may include a transfer of money or a transfer of money, and as shown in fig. 3, the operation S220 of acquiring declaration information data of the customer corresponding to the money transfer based on the customer approval includes operations S221 and S222.

In operation S221, declaration information data of the receiving client corresponding to the remitted money is acquired based on the receiving client' S consent.

In operation S222, declaration information data of the remittance customer corresponding to the remittance money is acquired based on the remittance customer agreement.

The method of the present disclosure can be applied to both the foreign exchange import and export service through operations S221 and S222, and thus, the method of the present disclosure is widely and flexibly applied.

For example, the declaration information data may be background information of the receiving client or the remitting client, and some background information of the clients (referring to the receiving client and the remitting client) may be embodied and submitted in the form of unstructured data. Unstructured data can be understood as data that has an irregular or incomplete data structure, and that, without a predefined data model, is inconvenient to represent with a database two-dimensional logical table. The unstructured data may be in the form of images, audio, video, documents (e.g., word files, PDF documents, etc.), custom objects, XML (extensible markup language) or HTML (hypertext markup language), etc.

As one possible implementation, the unstructured data may include at least one of contract text, business license image material, transaction orders, transaction statements, and transaction audio. At least one of contract text, enterprise license image data, transaction list, transaction report and transaction audio is acquired, so that a bank can conveniently investigate the client background, and the cross-border fund bidirectional transfer service can be safely and smoothly completed. The unstructured data may be obtained by scanning at least one of contract text, enterprise license image data, transaction orders, transaction statements, and transaction audio.

In operation S230, the unstructured data is stored to a first database, and a unique address corresponding to the unstructured data is generated. As an implementation, storing unstructured data in the first database may perform serialization, which is a mechanism for processing object streams, i.e., streaming the content of objects. The method can perform read-write operation on the streamed object, and can also transmit the streamed object between networks.

Here, the unstructured data may be serialized in various methods, for example, the unstructured data is serialized using the Base64 encoding method, and Base64 is a method of representing binary data based on 64 printable characters. Of course, other serialization processing methods may be used, such as the Base62x encoding method. Connecting the serialized data with the index information of the unstructured data to obtain target data; the index information may include file name, file type, and/or file retrieval field information, etc. When the serialized data is connected with the index information, the serialized data and the index information can be divided by using a symbol such as a separator, so that the index information and the serialized data can be distinguished subsequently. Storing the plurality of target data into a target structured data file, the target structured data file for use in a distributed file system.

When the target data corresponding to the unstructured data are merged and stored in the target structured data file, the target data may be stored according to a specified order, for example, according to the order of serialization processing, the file index information may be a single column or multiple columns, and may include a file name, a file type, and/or file search field information. After the plurality of unstructured data are subjected to serialization processing, a large structured data file is stored in the distributed file system, the unstructured data are not stored in a binary mode, compared with the case that a plurality of small unstructured data are stored in the distributed file system, the storage structure is simple, the required storage space can be effectively saved, in addition, when the distributed processing is carried out, the batch or stream processing can be carried out on the plurality of small unstructured data only by scheduling the large structured data file, and the distributed processing efficiency is improved.

After the unstructured data are stored in the first database, the first database can generate a unique address corresponding to the unstructured data and feed back the unique address.

In operation S240, the unique address and the money transfer unique identifier are aggregated into streaming information. The flow information may be understood as information integrating the unique address and the unique remittance identifier, that is, associating the unique address with the unique remittance identifier through the flow information, in other words, associating the unique remittance identifier for a certain remittance with the unique address of the unstructured data corresponding to the remittance customer in the first database by collecting on the same flow information.

In operation S250, the stream information is stored to the second database.

In operation S260, a remittance message corresponding to the remittance money of the cross-border fund remittance system is obtained, wherein the remittance message includes a remittance unique identifier. It is understood that after the cross-border fund transfer system transfers money, a corresponding transfer message is generated, so that the transfer message corresponding to the transfer money of the cross-border fund transfer system can be obtained.

In operation S270, the unique address in the corresponding flow information is retrieved from the second database according to the money transfer unique identifier in the money transfer message. Since the unique remittance identifier and the unique address are summarized on the flow information, the unique address can be extracted from the second database by associating the unique remittance identifier with the unique address.

In operation S280, unstructured data is downloaded from the first database according to the extracted unique address. Thus, the downloaded unstructured data can be entered as background information for the customer.

According to the declaration information additional recording method for the cross-border fund bidirectional transfer, the declaration information data in the non-structured data form is obtained, so that a client can be supported to upload trade background information files in various forms, and the client can finish cross-border remittance information submission, background verification and international collection and payment declaration processes without going out. The input of the unstructured data can be conveniently finished through the operation S210-operation S280, and after the unstructured data are downloaded, workers can directly read the unstructured data, so that the relevant information does not need to be issued by contacting a client line, and the working efficiency is improved on one hand; on the other hand, the payment timeliness of foreign exchange type business can be accelerated, and the labor and time cost of customers and banks can be saved.

In some embodiments of the present disclosure, the advisory information data may also include structured data, wherein structured data may be understood as represented and stored using a relational database, represented as data in two dimensions, with fixed rules and structure. As shown in fig. 2, the declaration information entry method for the cross-border fund bidirectional transfer further includes operation S001 and operation S002.

In operation S001, the structured data is aggregated into streaming information with the unique address and the unique remittance identifier. Thus, the pipelining information may associate a unique money transfer identifier with the structured data, in other words, a unique money transfer identifier for a money transfer and the structured data corresponding to the customer of that money transfer are associated by aggregating on the same pipelining information.

Structured data in the corresponding flow information is retrieved from the second database based on the money transfer unique identifier in the money transfer message in operation S002. Because the flow information summarizes the remittance unique identifier and the structured data, the remittance unique identifier can be associated with the structured data, so that the structured data in the flow information can be extracted from the second database.

Thus, the structured data can be conveniently acquired through operation S001 and operation S002, so that the customer can be supported to enter the structured data through a system page or a direct connection channel, and as some specific examples, the structured data may include at least one of account information of both parties of the cross-border fund transaction, a transaction amount, a remark, a postscript and a contract number. After the structured data are acquired from the flow information, the system automatically pulls the structured data for backfilling, so that possible errors caused by manual input can be avoided.

According to some embodiments of the present disclosure, the first database may be a remote database, the remote database being a multidimensional database. The remote database is understood based on the local database, is arranged in a non-local data warehouse and is used for storing a large amount of data, and the storage pressure of the local database can be relieved by arranging the remote database. Multidimensional databases refer to data stored in an n-dimensional array, rather than in records as in relational databases. Therefore, a large number of sparse matrixes exist, and people can observe data through a multi-dimensional view. Compared with a relational database, the multidimensional database has the advantages of improving the data processing speed, quickening the response time and improving the query efficiency.

According to some embodiments of the present disclosure, the second database may be a local database. The local database can accelerate the operation speed, the time for calling the file and the processing efficiency of the data.

The following description will be made in detail with reference to fig. 4, taking an example in which a group head office sets a sub-company account a to aggregate 100 ten thousand money into a head office account B.

The method comprises the following steps: the head office uploads unstructured data through the information entry module, the data are stored in the multi-dimensional database, and the multi-dimensional database returns the file ID of the structured data and returns the file ID to the client through the information entry module.

Step two: the head office inputs structured data through an information input module, and the structured data comprises transaction information: a payer account number a, a receiver account number B, a transaction amount of 100 ten thousand, and so on. And the information input module submits the file ID returned in the step one and the structured data input in the step two to the cross-border two-way fund transfer module.

Step three: and the cross-border bidirectional fund transfer module stores the information uploaded in the step two into a local database and drives the overseas account A to perform cross-border remittance to the domestic account B.

Step four: after the foreign account A finishes remitting the money to the foreign account B, the SWIFT remittance unique identifier returned by the SWIFT is synchronized to the cross-border two-way fund transfer module through KAFKA. And the cross-border two-way fund transfer module stores the transaction information, the structured data, the file ID corresponding to the unstructured data and the corresponding SWIFT remittance unique identifier of the transaction into a running water in a local relational database.

Step five: after the counter information automatic entry supplementing module receives a cross-border remittance SWIFT message from the foreign account A to the domestic account B, the unique SWIFT remittance identification is analyzed from the SWIFT message, and the field is transmitted to the cross-border two-way fund transfer module to inquire the structured data of the trade background and the file ID corresponding to the unstructured data, which are remitted by the foreign remittance.

Step six: and the counter information automatic additional recording module displays the structural data returned in the fifth step on the information input interface.

Step seven: and when the teller checks the unstructured data through the counter information automatic additional recording module, the system downloads the unstructured data to the local system from the multidimensional database according to the file ID returned in the fifth step.

Based on the declaration information additional recording method for the cross-border fund bidirectional transfer, the disclosure also provides a declaration information additional recording device 10 for the cross-border fund bidirectional transfer. The declaration information additional recording device 10 for the cross-border fund bidirectional transfer will be described in detail below with reference to fig. 5.

Fig. 5 schematically shows a block diagram of the structure of the declaration information additional recording device 10 for the cross-border fund bidirectional transfer according to the embodiment of the disclosure.

The declaration information additional recording device 10 for cross-border fund bidirectional transfer comprises a fund transfer module 1, an information input module 2 and an information additional recording module 3.

A fund transfer module 1, where the fund transfer module 1 is configured to perform operation S210: a money transfer unique identifier of a money transfer item of the cross-border funds money transfer system is obtained.

An information entry module 2, the information entry module 2 being configured to perform operation S220, based on the customer consent: reporting information data of the customer corresponding to the remittance funds is obtained, wherein the reporting information data includes unstructured data.

The fund transfer module 1 is configured to perform operation S230: the unstructured data is stored to a first database and a unique address corresponding to the unstructured data is generated.

The fund transfer module 1 is configured to perform operation S240: the unique address and the remittance unique identifier are aggregated into the streaming information.

The fund transfer module 1 is configured to perform operation S250: and storing the running water information to a second database.

The information complementing module 3, the information complementing module 3 is configured to perform operation S260: and obtaining a remittance message corresponding to the remittance money of the cross-border fund remittance system, wherein the remittance message comprises a remittance unique identifier.

The information complementing module 3 is configured to perform operation S270: and extracting the unique address in the corresponding running information from the second database according to the unique remittance identification in the remittance message.

The information complementing module 3 is configured to perform operation S280: and downloading the unstructured data from the first database according to the extracted unique address.

Since the declaration information additional recording device 10 for the cross-border fund bidirectional transfer is configured based on the declaration information additional recording method for the cross-border fund bidirectional transfer, the beneficial effects of the declaration information additional recording device 10 for the cross-border fund bidirectional transfer are the same as those of the declaration information additional recording method for the cross-border fund bidirectional transfer, and are not repeated here.

In addition, according to the embodiment of the present disclosure, any plurality of the fund transfer module 1, the information entry module 2, and the information supplementary recording module 3 may be combined and implemented in one module, or any one of the modules may be split into a plurality of modules. Alternatively, at least part of the functionality of one or more of these modules may be combined with at least part of the functionality of the other modules and implemented in one module.

According to an embodiment of the present disclosure, at least one of the fund transfer module 1, the information entry module 2, and the information supplement module 3 may be implemented at least partially as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented by hardware or firmware in any other reasonable manner of integrating or packaging a circuit, or implemented by any one of three implementations of software, hardware, and firmware, or in a suitable combination of any of them.

Alternatively, at least one of the money transfer module 1, the information entry module 2 and the information supplementary module 3 may be at least partially implemented as a computer program module, which, when executed, may perform a corresponding function.

Fig. 6 schematically illustrates a block diagram of an electronic device adapted to implement a method of subsidizing information for bi-directional transfer of cross-border funds in accordance with an embodiment of the present disclosure.

As shown in fig. 6, an electronic apparatus 900 according to an embodiment of the present disclosure includes a processor 901 which can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)902 or a program loaded from a storage portion 908 into a Random Access Memory (RAM) 903. Processor 901 may comprise, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or associated chipset, and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), among others. The processor 901 may also include on-board memory for caching purposes. The processor 901 may comprise a single processing unit or a plurality of processing units for performing the different actions of the method flows according to embodiments of the present disclosure.

In the RAM 903, various programs and data necessary for the operation of the electronic apparatus 900 are stored. The processor 901, the ROM 902, and the RAM 903 are connected to each other through a bus 904. The processor 901 performs various operations of the method flows according to the embodiments of the present disclosure by executing programs in the ROM 902 and/or the RAM 903. Note that the programs may also be stored in one or more memories other than the ROM 902 and the RAM 903. The processor 901 may also perform various operations of the method flows according to embodiments of the present disclosure by executing programs stored in the one or more memories.

Electronic device 900 may also include input/output (I/O) interface 905, input/output (I/O) interface 905 also connected to bus 904, according to an embodiment of the present disclosure. The electronic device 900 may also include one or more of the following components connected to the I/O interface 905: an input portion 906 including a keyboard, a mouse, and the like; an output section 907 including components such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 908 including a hard disk and the like; and a communication section 909 including a network interface card such as a LAN card, a modem, or the like. The communication section 909 performs communication processing via a network such as the internet. The driver 910 is also connected to an input/output (I/O) interface 905 as necessary. A removable medium 911 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 910 as necessary, so that a computer program read out therefrom is mounted into the storage section 908 as necessary.

The present disclosure also provides a computer-readable storage medium, which may be contained in the apparatus/device/system described in the above embodiments; or may exist separately and not be assembled into the device/apparatus/system. The computer-readable storage medium carries one or more programs which, when executed, implement the method according to an embodiment of the disclosure.

According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example but is not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. For example, according to embodiments of the present disclosure, a computer-readable storage medium may include the ROM 902 and/or the RAM 903 described above and/or one or more memories other than the ROM 902 and the RAM 903.

Embodiments of the present disclosure also include a computer program product comprising a computer program containing program code for performing the method illustrated in the flow chart. The program code is for causing a computer system to perform the methods of the embodiments of the disclosure when the computer program product is run on the computer system.

The computer program performs the above-described functions defined in the system/apparatus of the embodiments of the present disclosure when executed by the processor 901. The systems, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In one embodiment, the computer program may be hosted on a tangible storage medium such as an optical storage device, a magnetic storage device, or the like. In another embodiment, the computer program may also be transmitted, distributed in the form of a signal on a network medium, and downloaded and installed through the communication section 909 and/or installed from the removable medium 911. The computer program containing program code may be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 909, and/or installed from the removable medium 911. The computer program, when executed by the processor 901, performs the above-described functions defined in the system of the embodiment of the present disclosure. The systems, devices, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In accordance with embodiments of the present disclosure, program code for executing computer programs provided by embodiments of the present disclosure may be written in any combination of one or more programming languages, and in particular, these computer programs may be implemented using high level procedural and/or object oriented programming languages, and/or assembly/machine languages. The programming language includes, but is not limited to, programming languages such as Java, C + +, python, the "C" language, or the like. The program code may execute entirely on the user computing device, partly on the user device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

Those skilled in the art will appreciate that various combinations and/or combinations of features recited in the various embodiments and/or claims of the present disclosure can be made, even if such combinations or combinations are not expressly recited in the present disclosure. In particular, various combinations and/or combinations of the features recited in the various embodiments and/or claims of the present disclosure may be made without departing from the spirit or teaching of the present disclosure. All such combinations and/or associations are within the scope of the present disclosure.

The embodiments of the present disclosure have been described above. However, these examples are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments are described separately above, this does not mean that the measures in the embodiments cannot be used in advantageous combination. The scope of the disclosure is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be devised by those skilled in the art without departing from the scope of the present disclosure, and such alternatives and modifications are intended to be within the scope of the present disclosure.

Claims

1. A declaration information additional recording method for cross-border fund bidirectional transfer is characterized by comprising the following steps:

obtaining a remittance unique identifier of a remittance item of a cross-border fund remittance system;

obtaining declaration information data of a customer corresponding to the remittance money based on customer consent, wherein the declaration information data comprises unstructured data;

storing the unstructured data to a first database and generating a unique address corresponding to the unstructured data;

aggregating the unique address and the remittance unique identifier into stream information;

storing the flow information to a second database;

obtaining a remittance message corresponding to the remittance money of a cross-border fund remittance system, wherein the remittance message comprises the remittance unique identification;

extracting the unique address in the corresponding running information from the second database according to the unique remittance identification in the remittance message; and

downloading the unstructured data from the first database according to the extracted unique address.

2. The method of claim 1, wherein the declaration information data further includes structured data, the method further comprising:

aggregating the structured data with the unique address and the remittance unique identifier into streaming information; and

and extracting the corresponding structured data in the pipelining information from the second database according to the unique remittance identification in the remittance message.

3. The method of claim 2, wherein the structured data comprises: and at least one of account information of both sides of the cross-border fund transaction, transaction amount, remarks, postings and contract numbers.

4. The method of claim 1, wherein the unstructured data comprises: at least one of contract text, enterprise license image data, transaction order, transaction statement, and transaction audio.

5. The method of claim 1, wherein said remittance money comprises remittance money or remittance money, and said obtaining customer declaration information data corresponding to said remittance money based on customer consent comprises:

acquiring declaration information data of the receiving client corresponding to the remitted money based on the agreement of the receiving client; or

And acquiring declaration information data of the remitted customer corresponding to the remitted money based on the agreement of the remitted customer.

6. The method of claim 1, wherein the first database is a remote database, and wherein the remote database is a multidimensional database.

7. The method of claim 1, wherein the second database is a local database.

8. An declaration information additional recording device for cross-border fund bidirectional transfer is characterized by comprising:

a fund transfer module for executing a remittance unique identifier for obtaining remittance money of the cross-border fund remittance system;

the information input module is used for acquiring declaration information data of the customer corresponding to the remittance money based on customer consent, wherein the declaration information data comprises unstructured data;

the fund transfer module is used for storing the unstructured data into a first database and generating a unique address corresponding to the unstructured data;

the fund transfer module is used for summarizing the unique address and the remittance unique identifier into stream information;

the fund transfer module is used for storing the flow information to a second database;

the system comprises an information registration module, a remittance module and a remittance management module, wherein the information registration module is used for acquiring a remittance message of a cross-border fund remittance system corresponding to the remittance money, and the remittance message comprises a remittance unique identifier;

the information supplementing and recording module is used for extracting the corresponding unique address in the flow information from the second database according to the unique remittance identification in the remittance message; and

the information supplementary recording module is used for downloading the unstructured data from the first database according to the extracted unique address.

9. An electronic device, comprising:

one or more processors;

one or more memories for storing executable instructions that, when executed by the processor, implement the method of any of claims 1-7.

10. A computer-readable storage medium having stored thereon executable instructions that when executed by a processor implement a method according to any one of claims 1 to 7.

11. A computer program product comprising a computer program comprising one or more executable instructions which, when executed by a processor, implement a method according to any one of claims 1 to 7.