CN114493840A

CN114493840A - Method and device for processing cross-bank remittance message, computer equipment and storage medium

Info

Publication number: CN114493840A
Application number: CN202210085122.XA
Authority: CN
Inventors: 谭青青
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2022-01-25
Filing date: 2022-01-25
Publication date: 2022-05-13

Abstract

The application relates to a method and a device for processing a cross-bank remittance message, computer equipment, a storage medium and a computer program product, which relate to the technical field of message processing and can be used in the financial field or other fields. The method is applied to the newspaper receiving equipment of the newspaper receiving line, and comprises the following steps: acquiring a to-be-processed cross-bank remittance message; extracting first remittance attribute information in the cross-bank remittance message; matching the first money transfer attribute information with at least one preset second money transfer attribute information; and if the first remittance attribute information is successfully matched with the target remittance attribute information in the at least one second remittance attribute information, receiving and processing the transbank remittance message according to the receiving and processing operation associated with the target remittance attribute information. By adopting the method, the processing efficiency of the transbank remittance message can be improved.

Description

Method and device for processing cross-bank remittance message, computer equipment and storage medium

Technical Field

The present application relates to the field of message processing technologies, and in particular, to a method and an apparatus for processing a trans-bank remittance message, a computer device, a storage medium, and a computer program product.

Background

In banking systems, money transfer operations between banks are typically accomplished by sending and receiving money transfer messages across banks. The bank sending the message is called a sending bank, and the bank receiving the message is called a receiving bank. In the receiving bank, the receiving equipment is adopted to process the cross-bank remittance message to complete automatic entry.

In the conventional technology, a method for processing a transbank remittance message needs a bank operator to manually check the transbank remittance message on a receiving device, and manually select a receiving and processing operation to complete receiving and transmitting processing after knowing the message content of the transbank remittance message.

Therefore, the traditional technology needs to consume more labor cost, and the processing efficiency of the cross-bank remittance message is lower.

Disclosure of Invention

In view of the above, it is desirable to provide a method, an apparatus, a computer device, a computer readable storage medium, and a computer program product for processing a cross-bank remittance message, which can improve the efficiency of processing the cross-bank remittance message.

In a first aspect, the present application provides a method for processing a trans-bank remittance message. The method is applied to the newspaper receiving equipment of the newspaper receiving line, and comprises the following steps:

acquiring a to-be-processed cross-bank remittance message;

extracting first remittance attribute information in the cross-bank remittance message;

matching the first money transfer attribute information with at least one preset second money transfer attribute information;

and if the first remittance attribute information is successfully matched with the target remittance attribute information in the at least one second remittance attribute information, receiving and processing the transbank remittance message according to the receiving and processing operation associated with the target remittance attribute information.

In one embodiment, the method further comprises:

if the first remittance attribute information is unsuccessfully matched with the at least one second remittance attribute information, extracting third remittance attribute information in the cross-bank remittance message;

matching the third remittance attribute information with at least one preset landing reason identification rule;

if the third remittance attribute information is successfully matched with a target landing reason identification rule in the at least one landing reason identification rule, determining a landing reason identifier corresponding to the transbank remittance message according to the third remittance attribute information and the target landing reason identification rule;

and receiving and processing the transbank remittance message according to the receiving and processing operation corresponding to the landing reason mark.

In one embodiment, the method further comprises:

if the third remittance attribute information fails to match the at least one floor reason identification rule, extracting fourth remittance attribute information in the cross-bank remittance message;

matching the fourth remittance attribute information with at least one preset audit prompt rule;

and if the fourth remittance attribute information is successfully matched with a target audit prompt rule in the at least one audit prompt rule, outputting the receiving and reporting prompt information associated with the target audit prompt rule.

In one embodiment, the receiving and processing the cross-bank remittance message according to the receiving and processing operation corresponding to the landing reason identifier includes:

if the landing reason mark is a reason mark representing that the account of the receiver is wrong, extracting the account name of the receiver in the third remittance attribute information;

inputting the payee account name into a customer attribute identification model to obtain customer attribute information;

and receiving and processing the cross-bank remittance message according to the receiving and processing operation associated with the customer attribute information.

if the landing reason mark is a reason mark representing that the payee account is not consistent with the payee account name, acquiring customer attribute information corresponding to the payee account;

calculating the similarity between the payee account name and a pre-stored payee account name, wherein the pre-stored payee account name is a pre-stored payee account name corresponding to the payee account number;

determining a similarity range according to the client attribute information;

and if the similarity is within the similarity range, receiving and processing the transbank remittance message according to receiving and processing operation associated with the similarity range.

In one embodiment, the receiving and reporting processing operation comprises a remittance operation; the method further comprises the following steps:

obtaining refund additional description information corresponding to the landing reason identifier;

and generating and outputting the reason for the remittance in the remittance message according to the remittance additional description information.

In a second aspect, the present application further provides a device for processing a trans-bank remittance message. The device is used in the newspaper receiving equipment for the newspaper receiving line, and comprises:

the message acquisition module is used for acquiring the to-be-processed cross-bank remittance message;

the information extraction module is used for extracting first remittance attribute information in the cross-bank remittance message;

the information matching module is used for matching the first remittance attribute information with at least one preset second remittance attribute information;

and the receipt processing module is used for receiving and processing the transbank remittance message according to receipt processing operation associated with the target remittance attribute information if the first remittance attribute information is successfully matched with the target remittance attribute information in the at least one second remittance attribute information.

In a third aspect, the present application also provides a computer device. The computer device comprises a memory storing a computer program and a processor implementing the following steps when executing the computer program:

acquiring a to-be-processed cross-bank remittance message;

In a fourth aspect, the present application further provides a computer-readable storage medium. The computer-readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of:

acquiring a to-be-processed cross-bank remittance message;

In a fifth aspect, the present application further provides a computer program product. The computer program product comprising a computer program which when executed by a processor performs the steps of:

acquiring a to-be-processed cross-bank remittance message;

According to the method, the device, the computer equipment, the storage medium and the computer program product for processing the cross-bank remittance message, the first remittance attribute information in the cross-bank remittance message is extracted, the receiving and processing operation associated with the matched target remittance attribute information is obtained based on the matching of the first remittance attribute information and the preset at least one second remittance attribute information, and finally the cross-bank remittance message is received and processed according to the receiving and processing operation. It can be understood that the method and the device realize the automatic receiving and processing of the transbank remittance message by adopting the means of extracting the attribute information, matching the attribute information, determining the receiving and processing operation according to the incidence relation and the like, reduce the user operation and are beneficial to improving the processing efficiency of the transbank remittance message.

Drawings

FIG. 1 is a flow diagram illustrating a method of processing a cross-bank remittance message according to one embodiment;

FIG. 2 is a flow diagram illustrating a method of processing a cross-bank remittance message according to another embodiment;

FIG. 3 is a block diagram of an embodiment of a device for processing a cross-bank remittance message;

FIG. 4 is a diagram illustrating an internal structure of a computer device according to an embodiment.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.

In one embodiment, as shown in fig. 1, a method for processing a cross-bank remittance message is provided, which is exemplified by applying the method to a receiving device. The message receiving device can be a terminal, a server, or a system comprising the terminal and the server, and is realized through the interaction of the terminal and the server. In this embodiment, the method includes the steps of:

step S102, obtaining the cross bank remittance message to be processed.

The cross-bank remittance message is used for sending remittance instructions when remittance operations are carried out among different banks.

Specifically, the sending equipment of the sending bank sends the to-be-processed cross-bank remittance message to the receiving equipment of the receiving bank. And the receiving equipment receives the to-be-processed cross-bank remittance message.

Step S104, extract the first remittance attribute information in the cross-bank remittance message.

The money transfer attribute information is information characterizing the money transfer characteristics. For example, the remittance attribute information includes one or more of a sender line number, a sender line name, a receiver line number, a receiver line name, an amount, a sender account number, a recipient account number, or an epilogue.

Specifically, the receiving device extracts first remittance attribute information in the cross-bank remittance message according to a preset first remittance attribute information extraction rule. For example, the receiving device uses a character recognition technique to recognize and extract the sender line number in the cross-bank remittance message. Optionally, the first remittance attribute information includes a recipient account number, a sender username, and an epilogue.

Optionally, the receiving device checks and analyzes the cross-bank remittance message, and then extracts the first remittance attribute information.

Step S106, the first money transfer attribute information is matched with at least one second money transfer attribute information preset.

Specifically, the receiving device reads the predetermined at least one second remittance attribute information after obtaining the first remittance attribute information, and matches the first remittance attribute information with the at least one second remittance attribute information. Alternatively, the matching method may employ fuzzy matching. In one embodiment, the matching of the remittance attribute information includes a payee account number match, a remitter account number match, a specific account type match, a remitter account name match (including fuzzy matches), a payee account name match (including fuzzy matches), a prolog match (including fuzzy matches), and the like.

Step S108, if the first remittance attribute information is successfully matched with the target remittance attribute information in the at least one second remittance attribute information, receiving and processing the transbank remittance message according to the receiving and processing operation associated with the target remittance attribute information.

Specifically, if the first remittance attribute information is successfully matched with the target remittance attribute information in the at least one second remittance attribute information, the receiving equipment reads a receiving and reporting processing operation associated with the target remittance attribute information, and automatically receives and processes the cross-bank remittance message according to the receiving and reporting processing operation. Optionally, the newspaper receiving processing operation includes one or more of a newspaper receiving network node operation, an account opening network node operation, a forward-backward-forward direct operation, a forward-backward-forward auditing operation, a confirmed accounting operation or a forced manual access operation.

Optionally, the reporting device performs the matching of the remittance attribute information in the following order of priority. If the target remittance attribute information is matched according to the priority order, the receiving and reporting processing operation associated with the target remittance attribute information is executed to automatically receive and process the remittance, otherwise, the matching is continued backwards according to the priority order.

Wherein, the priority order may be: 1-payee account matching, 2-sender account matching, 3-specific account type matching, 4-sender account name matching (including fuzzy matching), 5-recipient account name matching (including fuzzy matching), 6-epilogue matching (including fuzzy matching).

The method for processing the cross-bank remittance message comprises the steps of extracting first remittance attribute information in the cross-bank remittance message, obtaining a receiving and processing operation associated with the matched target remittance attribute information based on the matching of the first remittance attribute information and at least one preset second remittance attribute information, and finally receiving and processing the cross-bank remittance message according to the receiving and processing operation. It can be understood that the method realizes the automatic receiving and processing of the transbank remittance message by adopting the means of extracting the attribute information, matching the attribute information, determining the receiving and processing operation according to the incidence relation and the like, reduces the user operation and is beneficial to improving the processing efficiency of the transbank remittance message.

In one embodiment, the method further comprises the steps of:

step S112, if the first remittance attribute information fails to match with the at least one second remittance attribute information, extracting third remittance attribute information in the cross-bank remittance message;

step S114, matching the third remittance attribute information with at least one preset landing reason identification rule;

step S116, if the third remittance attribute information is successfully matched with the target landing reason identification rule in the at least one landing reason identification rule, determining a landing reason identifier corresponding to the transgressive remittance message according to the third remittance attribute information and the target landing reason identification rule;

and step S118, receiving and processing the transbank remittance message according to the receiving and processing operation corresponding to the landing reason mark.

Alternatively, landing refers to a manual intervention process for cross-bank remittance receipts that fails to automatically enter account for various reasons. The reasons for landing include wrong account number of the payee, inconsistency between the account number of the payee and the account name of the payee, over limit of transaction amount of the account, abnormal account state which should be remitted, abnormal account state which should be confirmed by a website, insufficient account balance, non-compliance with service requirements and compliance supervision reasons. Each landing reason corresponds to a landing reason identifier.

Specifically, if the first remittance attribute information fails to match with the at least one second remittance attribute information, the receiving device extracts third remittance attribute information in the cross-bank remittance message. And then, the receiving and reporting device reads at least one preset landing reason identification rule and matches the third remittance attribute information with the at least one preset landing reason identification rule. And if the third remittance attribute information is successfully matched with the target landing reason identification rule in the at least one landing reason identification rule, determining a landing reason identifier corresponding to the cross-bank remittance message according to the third remittance attribute information and the target landing reason identification rule by the receiving and receiving identification. And finally, the receiving equipment automatically receives and processes the transbank remittance message according to the receiving and processing operation corresponding to the landing reason identifier.

In this embodiment, for the case where the first remittance attribute information and the second remittance attribute information are unsuccessfully matched, the third remittance attribute information is further extracted and matched with at least one preset landing reason identification rule, and if the matching is successful, automatic receipt processing is performed according to a corresponding receipt processing operation. Therefore, the automatic receiving and processing of the transbank remittance message is realized for the floor service needing manual intervention processing, and the user operation is further reduced, thereby being beneficial to improving the processing efficiency of the transbank remittance message.

In one embodiment, the method further comprises the steps of:

step S122, if the third remittance attribute information fails to be matched with the at least one landing reason identification rule, extracting fourth remittance attribute information in the cross-bank remittance message;

step S124, matching the fourth remittance attribute information with at least one preset auditing prompting rule;

step S126, if the fourth remittance attribute information is successfully matched with the target audit prompt rule in the at least one audit prompt rule, outputting the receiving and reporting prompt information associated with the target audit prompt rule.

Specifically, if the third remittance attribute information fails to match the at least one floor reason identification rule, the receiving device extracts fourth remittance attribute information in the cross-bank remittance message. And then, the receiving and reporting equipment matches the fourth remittance attribute information with at least one preset auditing prompting rule. And if the fourth remittance attribute information is successfully matched with the target audit prompt rule in the at least one audit prompt rule, the receiving and reporting equipment outputs receiving and reporting prompt information associated with the target audit prompt rule. Optionally, the newspaper collecting device displays the newspaper collecting prompt information in a page processing public area in a display screen of the newspaper collecting device, and assists an operator in performing related newspaper collecting operation.

Optionally, the receiving and reporting device receives the cross-bank remittance message and extracts fourth remittance attribute information from the cross-bank remittance message, calls a preset model control parameter, traverses the full-amount landing reason identification rule, judges whether the fourth remittance attribute information matches the related landing reason identification rule, judges whether the fourth remittance attribute information hits the model control parameter after matching or hitting the single rule or the combined rule control, and further matches the receiving and reporting prompt information corresponding to the model control parameter for prompting.

In the embodiment, through the matching of the fourth remittance attribute information and the audit prompt rule, the corresponding receiving and reporting prompt information is output to the user after the matching is successful, so that the business audit decision can be assisted, the manual processing pressure of bank operators is reduced, and the business processing quality and efficiency are greatly improved.

In one embodiment, the audit trail rules include two types of rules, the first type of rule is as follows:

rule 1: controlling the amount of the starting point of the audit;

rule 2: forced audit control;

rule 3: credit account type-to-and-from account;

rule 4: credit account type-internal account;

rule 5: credit account type-financial smart card;

rule 6: a lender internal house number;

……

the second type of rule is as follows:

account rule 1: a debit account number;

account rule 2: a lender account or a collection account;

account rule 3: the specific account number or card number to be controlled;

……

each audit prompt rule is associated with a model control parameter, and then the receiving and reporting prompt information is determined according to the model control parameter. Optionally, each set of model control parameters may be associated with one audit prompt rule, or may be associated with a combination of multiple audit prompt rules.

Optionally, the first, third and fourth money transfer attribute information may be the same or different.

In one embodiment, step S118 specifically includes the following steps:

step S1182, if the landing reason mark is a reason mark indicating that the account of the payee is wrong, extracting the account name of the payee in the third remittance attribute information;

step S1184, inputting the account name of the payee into the customer attribute identification model to obtain customer attribute information;

step S1186, receiving and processing the cross-bank remittance message according to the receiving and reporting processing operation associated with the customer attribute information.

Specifically, if the landing reason identifier is a reason identifier indicating that the account of the payee is wrong, it indicates that the receiving and reporting device processes a receiving and reporting service whose landing reason is "wrong account of the payee". For the type of receiving and reporting service, the receiving and reporting device extracts the payee username in the third remittance attribute information, and then inputs the payee username into the client attribute identification model to obtain the client attribute information. In one embodiment, the customer attribute information includes one or more of a public or an individual. And finally, the receiving equipment automatically receives and processes the transbank remittance message according to the receiving and reporting processing operation associated with the client attribute information.

In this embodiment, for the receiving service due to the "wrong payee account", the payee account name is input to the client attribute identification model to determine the client attribute information, and then different receiving and reporting processing operations are selected according to different client attribute information to realize automatic receiving and reporting processing, so that the application scenarios of automatic receiving and reporting processing can be enriched, and the applicability of processing the cross-line remittance message is improved.

In another embodiment, step S118 specifically includes the following steps:

step S1181, if the landing reason mark is a reason mark indicating that the payee account and the payee account are not in accordance, acquiring customer attribute information corresponding to the payee account;

step S1183, calculating the similarity between the account name of the payee and the account name of the prestored payee;

step S1185, determining a similarity range according to the client attribute information;

and step S1187, if the similarity is within the similarity range, receiving and processing the transbank remittance message according to the receiving and reporting processing operation related to the similarity range.

Wherein the pre-stored payee account name is a pre-stored payee account name corresponding to the payee account number.

Specifically, if the landing reason identifier is a reason identifier indicating that the payee account and the payee account are not in agreement, it indicates that the receiving and reporting device handles the receiving and reporting service whose landing reason is that the payee account and the payee account are not in agreement. For the type of receiving and reporting service, the receiving and reporting device can directly acquire the customer attribute information corresponding to the account number of the payee through the pre-established corresponding relation between the account number of the payee and the customer attribute information. In one embodiment, the customer attribute information includes one or more of a public or an individual. On the other hand, the reception device calculates the similarity between the payee username in the cross-bank remittance message and the pre-stored actual payee username, for example, using the euclidean distance as the similarity.

And then, the receiving and reporting device determines the similarity range according to the client attribute information. The similarity range may be expressed in the form of an interval. Alternatively, each type of client attribute information may correspond to one similarity range, or may correspond to a plurality of similarity ranges. For example, there is a similarity interval for a common correspondence: 0.0000$1.0001, the personal correspondence has two similarity intervals: 0.0000$0.7000, 0.7000$ 1.0001. Each similarity interval is associated with a corresponding receiving and reporting processing operation in advance. Therefore, the receiving equipment judges the similarity range where the similarity is located, and automatically receives and processes the transbank remittance message according to the receiving and processing operation associated with the similarity range.

In the embodiment, for the floor-type receiving service of which the payee account and the payee account are not in accordance, the client attribute information is determined through the payee account, so that the similarity range is determined, the similarity between the payee accounts is calculated on the other side, and the receiving processing operation is determined based on whether the similarity is within the similarity range, so that the automatic receiving processing is realized, the application scene of the automatic receiving processing can be enriched, and the applicability of the processing of the cross-line remittance message is improved.

In another embodiment, if the landing reason identifier is a reason identifier indicating that the account transaction limit is over-limit, the account status is abnormal and the account should be refunded, the account status is abnormal and the account should be confirmed by the website, the account balance is insufficient, and the account status is abnormal and the website should be confirmed, the reason is that the receiving and reporting device processes the receiving and reporting service, which is caused by the landing reason that the account transaction limit is over-limit, the account status is abnormal and the account should be refunded, the account status is abnormal and the website should be confirmed, the account balance is insufficient, and the account status is not met with the service requirement or the regulatory reason. For these types of receiving and reporting services, the specific landing reason identifier (for example, the landing reason code 7923, which indicates that the account is a long-term immobile user and refuses the transaction) of the receiving and reporting service is matched with a predetermined landing reason identifier, and different automatic receiving and reporting processes are performed according to the matching result and the designated receiving and reporting processing operation.

In one embodiment, the collect-and-report processing operation includes a remittance operation. Such as a forward-to-back pass-through operation, a forward-to-back audit operation, and so forth. Based on this, in one embodiment, the method further comprises the steps of:

step S132, obtaining refund additional description information corresponding to the landing reason identification;

and step S134, generating and outputting the reason for the remittance in the remittance message according to the remittance additional description information.

The refund additional description information can be stored in the receiving and reporting device in advance.

Specifically, in the process of automatically receiving the report by the report receiving device, the report receiving device further obtains the refund additional description information corresponding to the floor reason identifier, and automatically adds the refund additional description information to the refund reason in the refund report, so as to realize automatic assignment of the refund reason. The subsequent message receiving equipment can send the message to the corresponding message to be returned, or the message receiving equipment can show the reason of the return according to the message to be returned.

In this embodiment, the information of the additional explanation of the remittance is directly added to the reason for the remittance of the remittance message, which is beneficial to the rapid generation of the reason for the remittance, and is convenient for the user to know the reason for the remittance in time and make adjustments.

An embodiment of the present application will be described with reference to a specific application scenario, and reference may be made to fig. 2.

Step S202, a model rule base is constructed.

Specifically, a remittance attribute identification rule base is constructed. The money transfer attribute identification rule includes second money transfer attribute information. The rules are as follows:

1. matching the account numbers of the payees, setting the specific account number of the payees as '0', and performing the associated receiving and reporting processing operation as a transfer receiving and reporting website operation;

2. remitter account name matching (including fuzzy matching), setting a specific remitter account name as a zero balance account, and performing associated receiving and submitting processing operation as account transfer and opening operation;

3. and (3) matching the postscript (including fuzzy matching), setting specific keywords in the postscript as 'transformation to Shanghai branch of Yongfeng Bank (China) Limited company', and performing associated newspaper receiving processing operation as transformation to an account opening website operation.

And constructing a landing reason identification rule base.

The reason for landing is as follows: the payee has a wrong account number, the client attribute is individual, the corresponding receiving and reporting processing operation is a transfer-refund direct operation, and the refund additional description information is ' unable to enter account ', the refund reason is account number error or abnormal state ';

the reason for landing is as follows: the account number of the payee is not consistent with the account name of the payee, the client attribute is personal, the similarity output of the account name is between 0.7 and 1, and the corresponding receiving and reporting processing operation is an account transfer and opening operation;

the landing reason mark is '7923', the account is a long-term immobile account, the transaction is refused, and the corresponding receiving and reporting processing operation is the operation of transferring to an account opening network.

And constructing an audit prompt rule base. The audit prompt rule comprises an account number rule.

On one hand:

1. the model control parameter a sets the receiving and reporting prompt information a1, and sets the auditing prompt rule 1: the amount of the starting point of the audit is controlled to be 500 ten thousand;

2. the model control parameter B is provided with a receiving and reporting prompt message B1, and an auditing prompt rule 2: controlling the auditing starting point amount to be 1000w, and auditing prompt rules to be 3-credit account type-internal account;

3. setting a receiving and reporting prompt message C1 in the model control parameter C;

4. the automatic operation D1 is set in the model control parameter D, and the audit prompt rule 4 is set: the amount of the starting point of the control and the verification is 1 hundred million.

On the other hand:

1. setting account rules 5: credit account or collection account, account rule 6: the specific account number is 0200000309026400308, and is associated with model control parameters C (setting the receiving and reporting prompt information C1)

2. Setting account rules: credit account or collection account, account rule 7: the specific account number is 0200099811200014339, and is associated with the model control parameter D (automatic operation D1)

Step S204, analyzing and splitting the cross-bank remittance message.

Specifically, group A

Transbank remittance message a 1: the payee account number is 0;

transbank remittance message a 2: the account name of the sender contains 'zero balance account';

transbank remittance message a 3: the legend includes "Shanghai Branch of Yongfeng Bank (China) Co., Ltd.).

Group B (message content does not include group A information)

Transbank remittance message B1: the account number of the message payee is wrong, and the account number of the payee is Zhang Xiaoming;

transbank remittance message B2: the message payee account number is correct and the payee account name is LiIV. ", the actual maintenance in the system is" LieIV ";

transbank remittance message B3: the message payee account is a long-term immobile user.

Group C ((message contents do not include A, B groups of information))

Transbank remittance message C1: the message information comprises the sum of 100 ten thousand;

trans-bank remittance message C2: the message information comprises 550 ten thousand money;

trans-bank remittance message C3: the message information comprises the sum of 1100 thousands and the account of the credit side as an internal user;

transbank remittance message C4: the message information includes the collection account number 0200000309026400308.

Step S206, inputting and judging a message:

transbank remittance message a 1: hit the account number recognition rule of the payee, the message is automatically transferred to a receiving and reporting network point;

transbank remittance message a 2: hit the account name recognition rule of the sender, the message is automatically transferred to the user network;

transbank remittance message a 3: and (5) hitting the epilogue matching rule, and automatically transferring the message to an account network.

Transbank remittance message B1: the payee account name 'Zhangming' is judged through a client attribute identification model, the model outputs client attribute information as an individual, the message is automatically transferred to and remitted, and the reason of the remitted is automatically assigned 'account failure, and the reason of the remitted is account error or abnormal state';

transbank remittance message B2: the payee has a username of "LiIV". The 'Liquan' and the actual house name are identified and judged through a house name similarity model, the output similarity is 0.9, and the message is automatically transferred to a house network point;

transbank remittance message B3: the message specifically hits the system identification code '7923' due to the land falling, and the message is automatically transferred to an account website.

Transbank remittance message C1: rule miss, no match;

transbank remittance message C2: the audit prompt rule 1 is hit, corresponding to the model control parameter a, and the receiving and reporting prompt information A1 is matched;

trans-bank remittance message C3: the audit prompt rule 2 and the audit prompt rule 3 are hit, and are matched with the receiving and reporting prompt information B1 corresponding to the model control parameter B;

transbank remittance message C4: the hit account rule 5 and the hit account rule 6 correspond to the model control parameter C, and the receipt and report prompt information C1 is matched.

Step S208, outputting the result:

the A \ B group cross-bank remittance messages are automatically received and processed without manual intervention of bank operators in the receiving and reporting equipment on the service centralization platform.

And for the group C cross-bank remittance message, if the automatic processing is not carried out, carrying out manual processing as follows:

the bank operator obtains the transbank remittance message C1 on the receiving equipment without any prompt, and the operator can process the message according to the original process;

bank operators obtain the bank-crossing remittance message C2 on the receiving equipment, a prompt A1 is displayed on a page, and the operators perform key verification according to the prompt;

the bank operator obtains the cross bank remittance message C3 on the receiving and reporting device, a prompt B1 is displayed on a page, the prompt is a risk prompt, and the operator quickly selects refusal operation according to the prompt;

and the bank operator acquires the cross-bank remittance message C4 on the receiving and reporting device, and the page shows a prompt C1, wherein the prompt is an operation suggestion prompt, and the operator can quickly perform operation execution according to the prompt.

In the embodiment, the system automatically completes the transbank remittance message processing aiming at the receiving and reporting processing of the transfer and opening network, the transfer and receiving network, the confirmation of the accounting and the transfer and return of the remittance direct communication without manual intervention of a service centralized platform. The operation of transferring and returning the remittance audit only needs manual confirmation of the audit post of the service centralized platform, and the link of manual processing of the additional post is reduced. Therefore, automatic processing of the received and reported services on the cross-row received and reported processing post link is conveniently realized, and characteristic audit information prompt is carried out, so that the manual processing pressure is reduced, the processing time and cost are saved, and the service processing efficiency of operators is greatly improved.

It should be understood that, although the steps in the flowcharts related to the embodiments as described above are sequentially displayed as indicated by arrows, the steps are not necessarily performed sequentially as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least a part of the steps in the flowcharts related to the embodiments described above may include multiple steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, and the execution order of the steps or stages is not necessarily sequential, but may be rotated or alternated with other steps or at least a part of the steps or stages in other steps.

Based on the same inventive concept, the embodiment of the present application further provides a processing apparatus for a passbank-by remittance message, which is used for implementing the above related method for processing a passbank-by remittance message. The implementation of the solution provided by the apparatus is similar to the implementation described in the above method, so the specific limitations in the following embodiments of one or more processing apparatus for cross-bank remittance messages may refer to the limitations on the processing method for cross-bank remittance messages, and are not described herein again.

In one embodiment, as shown in fig. 3, there is provided a cross-bank remittance message processing apparatus for use in a receiving facility of a receiving bank, comprising:

a message obtaining module 302, configured to obtain a to-be-processed trans-bank remittance message;

an information extraction module 304 for extracting first remittance attribute information in the cross-bank remittance message;

an information matching module 306 for matching the first remittance attribute information with at least one predetermined second remittance attribute information;

and a receipt processing module 308, configured to, if the first remittance attribute information is successfully matched with the target remittance attribute information in the at least one second remittance attribute information, perform receipt processing on the cross-bank remittance message according to a receipt processing operation associated with the target remittance attribute information.

In the processing device of the cross-bank remittance message, first remittance attribute information in the cross-bank remittance message is extracted, a message receiving processing operation associated with the matched target remittance attribute information is obtained based on the matching of the first remittance attribute information and at least one preset second remittance attribute information, and finally, the cross-bank remittance message is received according to the message receiving processing operation. It can be understood that the device realizes the automatic receiving and processing of the transbank remittance message by adopting the means of extracting the attribute information, matching the attribute information, determining the receiving and processing operation according to the incidence relation and the like, reduces the user operation and is beneficial to improving the processing efficiency of the transbank remittance message.

In one embodiment, information retrieval module 304 is further configured to retrieve third money transfer attribute information in the cross-bank money transfer message if the first money transfer attribute information fails to match at least one second money transfer attribute information; the information matching module 306 is further configured to match the third remittance attribute information with at least one pre-set floor reason identification rule; if the third remittance attribute information is successfully matched with the target landing reason identification rule in the at least one landing reason identification rule, determining a landing reason identifier corresponding to the transbank remittance message according to the third remittance attribute information and the target landing reason identification rule; the receiving and reporting processing operation 308 is further configured to receive and report the cross-bank remittance message according to the receiving and reporting processing operation corresponding to the landing reason identifier.

In one embodiment, the information retrieval module 304 is further configured to retrieve a fourth remittance attribute information in the cross-bank remittance message if the third remittance attribute information fails to match the at least one floor standing reason identification rule; the information matching module 306 is further configured to match the fourth remittance attribute information with at least one pre-set audit prompt rule; and if the fourth remittance attribute information is successfully matched with the target audit prompt rule in the at least one audit prompt rule, outputting the receiving and reporting prompt information associated with the target audit prompt rule.

In one embodiment, the receiving and reporting processing operation 308 is specifically configured to extract the payee username in the third remittance attribute information if the landing reason identifier is a reason identifier indicating that the payee account is wrong; inputting the account name of the payee into a customer attribute identification model to obtain customer attribute information; and receiving and processing the cross-bank remittance message according to the receiving and processing operation associated with the customer attribute information.

In an embodiment, the receipt processing operation 308 is specifically configured to, if the landing reason identifier is a reason identifier indicating that the payee account does not match the payee account, obtain customer attribute information corresponding to the payee account; calculating the similarity between the account name of the payee and a prestored account name of the payee, wherein the prestored account name of the payee is a prestored account name of the payee corresponding to the account number of the payee; determining a similarity range according to the client attribute information; and if the similarity is within the similarity range, receiving and processing the transbank remittance message according to the receiving and processing operation associated with the similarity range.

All or part of the modules in the method and device for processing the cross-bank remittance message can be realized by software, hardware and a combination thereof. The modules can be embedded in a hardware form or independent of a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.

In one embodiment, a computer device is provided, which may be a terminal, and its internal structure diagram may be as shown in fig. 4. The computer device includes a processor, a memory, a communication interface, a display screen, and an input device connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The communication interface of the computer device is used for carrying out wired or wireless communication with an external terminal, and the wireless communication can be realized through WIFI, a mobile cellular network, NFC (near field communication) or other technologies. The computer program, when executed by a processor, implements a method of processing a cross-bank remittance message. The display screen of the computer equipment can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, a key, a track ball or a touch pad arranged on a shell of the computer equipment, an external keyboard, a touch pad or a mouse and the like.

It will be appreciated by those skilled in the art that the configuration shown in fig. 4 is a block diagram of only a portion of the configuration associated with the present application, and is not intended to limit the computing device to which the present application may be applied, and that a particular computing device may include more or fewer components than shown, or may combine certain components, or have a different arrangement of components.

In one embodiment, a computer device is provided, comprising a memory and a processor, the memory having a computer program stored therein, the processor implementing the following steps when executing the computer program:

acquiring a to-be-processed cross-bank remittance message;

In one embodiment, the processor, when executing the computer program, further performs the steps of:

if the first remittance attribute information fails to match with the at least one second remittance attribute information, extracting third remittance attribute information in the cross-bank remittance message; matching the third remittance attribute information with at least one preset landing reason identification rule; if the third remittance attribute information is successfully matched with the target landing reason identification rule in the at least one landing reason identification rule, determining a landing reason identifier corresponding to the transbank remittance message according to the third remittance attribute information and the target landing reason identification rule; and receiving and processing the transbank remittance message according to the receiving and processing operation corresponding to the landing reason identifier.

if the third remittance attribute information fails to match the at least one floor reason identification rule, extracting fourth remittance attribute information in the cross-bank remittance message; matching the fourth remittance attribute information with at least one preset audit prompt rule; and if the fourth remittance attribute information is successfully matched with the target audit prompt rule in the at least one audit prompt rule, outputting the receiving and reporting prompt information associated with the target audit prompt rule.

if the landing reason mark is a reason mark representing the account error of the receiver, extracting the account name of the receiver in the third remittance attribute information; inputting the account name of the payee into a customer attribute identification model to obtain customer attribute information; and receiving and processing the cross-bank remittance message according to the receiving and processing operation associated with the customer attribute information.

if the landing reason mark is a reason mark representing that the account number of the payee is not accordant with the account name of the payee, acquiring client attribute information corresponding to the account number of the payee; calculating the similarity between the account name of the payee and a prestored account name of the payee, wherein the prestored account name of the payee is a prestored account name of the payee corresponding to the account number of the payee; determining a similarity range according to the client attribute information; and if the similarity is within the similarity range, receiving and processing the transbank remittance message according to the receiving and processing operation associated with the similarity range.

In one embodiment, the processor when executing the computer program further performs the steps of:

obtaining refund additional description information corresponding to the landing reason identifier; and generating and outputting the reason for the remittance in the remittance message according to the remittance additional description information.

In one embodiment, a computer-readable storage medium is provided, having a computer program stored thereon, which when executed by a processor, performs the steps of:

acquiring a to-be-processed cross-bank remittance message;

and if the first remittance attribute information is successfully matched with the target remittance attribute information in the at least one second remittance attribute information, receiving and reporting the cross-bank remittance message according to the receiving and reporting processing operation associated with the target remittance attribute information.

In one embodiment, the computer program when executed by the processor further performs the steps of:

In one embodiment, a computer program product is provided, comprising a computer program which, when executed by a processor, performs the steps of:

acquiring a to-be-processed cross-bank remittance message;

The method and the device for processing the cross-bank remittance message can be applied to the application scene of cross-bank remittance in the financial field and can also be applied to any field except the financial field.

It should be noted that, the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for analysis, stored data, presented data, etc.) referred to in the present application are information and data authorized by the user or sufficiently authorized by each party.

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, database, or other medium used in the embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high-density embedded nonvolatile Memory, resistive Random Access Memory (ReRAM), Magnetic Random Access Memory (MRAM), Ferroelectric Random Access Memory (FRAM), Phase Change Memory (PCM), graphene Memory, and the like. Volatile Memory can include Random Access Memory (RAM), external cache Memory, and the like. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM), among others. The databases referred to in various embodiments provided herein may include at least one of relational and non-relational databases. The non-relational database may include, but is not limited to, a block chain based distributed database, and the like. The processors referred to in the embodiments provided herein may be general purpose processors, central processing units, graphics processors, digital signal processors, programmable logic devices, quantum computing based data processing logic devices, etc., without limitation.

The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.

The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is specific and detailed, but not construed as limiting the scope of the present application. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present application shall be subject to the appended claims.

Claims

1. A method for processing a cross-bank remittance message is applied to a receiving device of a receiving bank and comprises the following steps:

acquiring a to-be-processed cross-bank remittance message;

2. The method of claim 1, further comprising:

if the third remittance attribute information is successfully matched with a target landing reason identification rule in the at least one landing reason identification rule, determining a landing reason identifier corresponding to the cross-bank remittance message according to the third remittance attribute information and the target landing reason identification rule;

3. The method of claim 2, further comprising:

4. The method according to claim 2 or 3, wherein the receiving and processing the transbank remittance message according to the receiving and processing operation corresponding to the landing reason identifier comprises:

5. The method according to claim 2 or 3, wherein the receiving and processing the transbank remittance message according to the receiving and processing operation corresponding to the landing reason identifier comprises:

determining a similarity range according to the client attribute information;

6. A method according to claim 2 or 3, wherein the collect-and-report handling operation comprises a refund operation; the method further comprises the following steps:

7. A device for processing a trans-regional remittance message, the device being used in a receiving device of a receiving bank, comprising:

an information matching module for matching the first remittance attribute information with at least one preset second remittance attribute information;

8. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor, when executing the computer program, implements the steps of the method of any of claims 1 to 6.

9. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 6.

10. A computer program product comprising a computer program, characterized in that the computer program realizes the steps of the method of any one of claims 1 to 6 when executed by a processor.