CN115049482A

CN115049482A - Method, apparatus, device, medium, and program product for estimating cross-border remittance progress

Info

Publication number: CN115049482A
Application number: CN202210764068.1A
Authority: CN
Inventors: 马晓辉; 林宁宁; 陈文浩
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2022-06-29
Filing date: 2022-06-29
Publication date: 2022-09-13

Abstract

The disclosure provides a cross-border remittance progress pre-estimating method which can be applied to the technical field of financial science and technology. The method comprises the following steps: when cross-border remittance arrives at a transfer bank, obtaining remittance information of the cross-border remittance at the transfer bank; inputting remittance information into a preset training model, and calculating estimated time consumption for processing and handling at a transit bank on the current date of cross-border remittance; inputting remittance information into a preset experience remittance bank to obtain the rest transfer banks through which the cross-border remittance needs to pass before the business is finished, and acquiring historical remittance time consumption of the rest transfer banks; calculating the sum of the estimated time consumption and the historical time consumption to obtain the estimated arrival time of the cross-border remittance; and updating the remittance progress information of the cross-border remittance according to the transaction state of the cross-border remittance in the transfer bank and the rest transfer banks. The present disclosure also provides a cross-border remittance progress estimation apparatus, device, storage medium and program product.

Description

Method, apparatus, device, medium, and program product for estimating cross-border remittance progress

Technical Field

The present disclosure relates to the field of financial technology, and in particular, to a cross-border remittance progress estimation method, apparatus, device, medium, and program product.

Background

In cross-border remittance, due to the long remittance link and the large amount of check, a customer cannot predict when money can finally reach a receiver after submitting a cross-border remittance application. The payee cannot predict when the service will end and cannot arrange the funds in time. Therefore, a system capable of predicting and tracking the progress of the money transfer in real time is required to monitor the progress of the money transfer to help the sender and the receiver know the progress of the money transfer in time.

Currently, the commonly used remittance progress obtaining method is generally two methods of short message notification or internet bank inquiry. The short message notification mode includes that when the remittance receives the feedback of the next node, the remitter is informed to remit to enter the next node through the short message. The online banking inquiry mode includes updating the online banking side money transfer progress when the money transfer receives the feedback of the next node, and the sender can check the progress of the money transfer and the ETA (estimated time of arrival) at the online banking. According to the current remittance progress acquisition method, only when the remittance enters the next node (bank), the remitter is actively informed, but there is no prediction on when the remittance finally passes through several nodes and finally reaches the remittee.

Disclosure of Invention

In view of the foregoing, the present disclosure provides a cross-border remittance progress estimation method, apparatus, device, medium, and program product that facilitate a user to know the progress of remittance in time.

According to a first aspect of the present disclosure, there is provided a cross-border remittance progress estimation method, comprising: every time a cross-border remittance arrives at a transfer bank, obtaining remittance information of the cross-border remittance at the transfer bank; inputting the remittance information into a preset training model, and calculating estimated time consumption for handling and handling at the transit bank on the current day of the cross-border remittance; inputting the remittance information into a preset experience remittance bank to obtain the residual transfer banks through which the cross-border remittance needs to pass before the business is finished, and acquiring the historical remittance time consumption of the residual transfer banks; calculating the sum of the estimated time consumption and the historical time consumption to obtain the estimated arrival time of the cross-border remittance; and updating the remittance progress information of the cross-border remittance according to the transaction state of the cross-border remittance in the transfer bank and the rest transfer banks.

According to an embodiment of the disclosure, the inputting the remittance information into a preset training model, and the calculating the estimated consumed time of the cross-border remittance on the current day for handling transaction at the transit bank comprises: inputting the remittance information into the training model to obtain the landing probability of the settlement processed in the transfer bank on the current day of the cross-border remittance, wherein the remittance information at least comprises the amount, currency, remitter, payee and country of the transfer node of the cross-border remittance; and performing weighted calculation based on the landing probability and the historical remittance time consumption of the transit bank to obtain the estimated time consumption for handling the settlement in the transit bank on the current date of the cross-border remittance.

According to an embodiment of the present disclosure, further comprising: judging whether the current day is a holiday of the country to which the transit bank belongs; if the current day is not the holiday of the country of the transfer bank, performing weighted calculation on the estimated consumed time based on the landing probability and the historical remittance consumed time of the transfer bank; and if the current day is the holiday of the transit bank, the service transaction date of the cross-border remittance is postponed to the latest working day to calculate the estimated time consumption.

According to an embodiment of the present disclosure, further comprising: processing and handling the cross-border remittance in a transit bank every time, and calculating the prediction accuracy of the transit bank based on the estimated time consumption and the actual time consumption of the transit bank; and updating the historical remittance time of the transfer bank based on the prediction accuracy.

According to an embodiment of the present disclosure, further comprising: receiving a progress inquiry request, and returning the remittance progress information and the predicted account arrival time to a progress inquiry requester, wherein the progress inquiry requester comprises a remitter and a receiver of the cross-border remittance; and/or pushing the remittance progress information and the predicted account arrival time to a remitter and a receiver of the cross-border remittance regularly.

According to an embodiment of the present disclosure, further comprising: acquiring the cross-border remittance on the basis of the remittance information, and performing service handling on the transit node and the rest transit nodes to handle the fee; and feeding the fee back to the transferor and the transferee of the cross-border remittance.

A second aspect of the present disclosure provides a cross-border remittance progress estimation apparatus, including: the remittance information acquisition module is used for acquiring remittance information of the cross-border remittance in a transfer bank when the cross-border remittance arrives at the transfer bank; the current node time consumption estimation module is used for inputting the remittance information into a preset training model and calculating estimated time consumption for processing and handling in the transit bank on the current cross-border remittance date; the residual node time consumption estimation module is used for inputting the remittance information into a preset experience remittance bank, obtaining a residual transit bank which the cross-border remittance needs to pass before the business is finished, and obtaining the historical remittance time consumption of the residual transit bank; the estimated arrival time calculation module is used for calculating the sum of the estimated time consumption and the historical time consumption to obtain the estimated arrival time of the cross-border remittance; and the remittance progress updating module is used for updating the remittance progress information of the cross-border remittance according to the transaction state of the cross-border remittance in the transit bank and the rest transit banks.

A third aspect of the present disclosure provides an electronic device, comprising: one or more processors; memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the cross-border remittance progress estimation method described above.

A fourth aspect of the present disclosure also provides a computer-readable storage medium having stored thereon executable instructions that, when executed by a processor, cause the processor to perform the above-described cross-border remittance progress estimation method.

A fifth aspect of the present disclosure also provides a computer program product comprising a computer program which, when executed by a processor, implements the above cross-border remittance progress estimation method.

According to the cross-border remittance progress estimation method provided by the embodiment of the disclosure, the problem that the conventional cross-border remittance time is long and the notification mode is single, so that a client cannot accurately grasp the pain point of the remittance progress, the transparency of remittance is further improved, each node is more transparent, the cross-border remittance client experience can be greatly improved, the client can further grasp the remittance progress and the time for the fund to reach the account is improved, and the fund utilization rate is improved.

Drawings

The foregoing and other objects, features and advantages of the disclosure will be apparent from the following description of embodiments of the disclosure, which proceeds with reference to the accompanying drawings, in which:

FIG. 1 schematically illustrates an application scenario diagram of a cross-border remittance progress estimation method, apparatus, device, medium and program product according to an embodiment of the disclosure;

FIG. 2 schematically illustrates a flow diagram of a cross-border remittance progress estimation method according to an embodiment of the disclosure;

FIG. 3 is a block diagram schematically illustrating an application of the cross-border remittance progress estimator according to an embodiment of the present disclosure;

FIG. 4 schematically illustrates a block diagram of a cross-border money transfer progress estimator according to an embodiment of the disclosure;

and

fig. 5 schematically illustrates a block diagram of an electronic device adapted to implement a cross-border remittance progress estimation method 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.

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.

All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. It is noted that the terms used herein should be interpreted as having a meaning that is consistent with the context of this specification and should not be interpreted in an idealized or overly formal sense.

Where a convention analogous to "at least one of A, B and 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 and 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.).

It should be noted that the cross-border remittance progress estimation method and device provided by the present disclosure may be used for cross-border remittance in the financial field, and may also be used for cross-border remittance in any field other than the financial field.

In the technical scheme of the disclosure, the processes of collecting, storing, using, processing, transmitting, providing, disclosing and applying the personal information of the related users are all in accordance with the regulations of related laws and regulations, necessary security measures are taken, and the customs of public sequences is not violated.

In the technical scheme of the disclosure, before the personal information of the user is obtained or collected, the authorization or the consent of the user is obtained.

The embodiment of the disclosure provides a cross-border remittance progress estimation method, which can overcome the defects that a remittance progress notification mode in the existing mode is passive and a line cannot be estimated, and provides a cross-border remittance mode with a full view by utilizing big data and an experience remittance library, thereby solving the defect that the existing cross-border remittance view is single.

Fig. 1 schematically illustrates an application scenario of the cross-border remittance progress estimation method and apparatus according to an embodiment of the disclosure.

As shown in fig. 1, an application scenario 100 according to this embodiment may include cross-border transfer remittance. 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 cross-border remittance progress estimation method provided by the embodiments of the present disclosure may be generally performed by the server 105. Accordingly, the cross-border remittance progress estimation device provided by the embodiment of the disclosure may be generally disposed in the server 105. The cross-border remittance progress estimation method provided by the embodiment of the disclosure may 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, 103 and/or the server 105. Accordingly, the cross-border remittance progress estimation apparatus 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 cross-border remittance progress estimation method of the disclosed embodiment will be described in detail with reference to fig. 2 based on the scenario described in fig. 1.

Fig. 2 schematically illustrates a flow diagram of a cross-border remittance progress estimation method according to an embodiment of the disclosure.

As shown in fig. 2, the cross-border remittance progress estimation method of the embodiment includes operations S210 to S250, and the transaction processing method may be sequentially performed.

In operation S210, money transfer information of the cross-border remittance at a transit bank is acquired every time the cross-border remittance arrives at the transit bank.

When cross-border money transfer is performed, money transfer may be performed through a plurality of transfer banks. It takes a certain time to handle the money transfer procedure at each transit bank, and the handling time is related to the amount of money, currency, sender, country, receiver, etc. When cross-border remittance arrives at a transit bank, the remittance information of the commercial banks can be received and the remittance progress and the expense information among the commercial banks can be received and fed back so as to estimate the transaction time.

In operation S220, the remittance information is input into a preset training model, and estimated time consumed for handling at the transit bank on the current cross-border remittance date is calculated.

In this embodiment, model training may be performed based on the history remittance information of the transit bank, history node processing information (including processing time, whether to process a transaction, and the like), and a training model may be obtained. After the cross-border remittance reaches the transfer bank, the remittance information is input into the training model, and the estimated handling time of the cross-border remittance in the transfer bank and whether the cross-border remittance is settled in the transfer bank can be estimated.

In operation S230, the remittance information is input into a preset experience remittance repository, the remaining transit banks through which the cross-border remittance is passed before the service end are obtained, and the historical remittance time of the remaining transit banks is obtained.

In this embodiment, not only the processing time of the transaction at the transit bank can be estimated after the cross-border remittance reaches one transit bank, but also the remaining transit banks through which the cross-border remittance needs to pass before remittance to the account can be obtained according to the experience remittance bank, and the time spent by the node at each remaining transit bank can be estimated, so that the estimated arrival time of the cross-border remittance can be obtained, and a remittance processing state can be grasped and preset in real time by a remittance person or a receiver.

In operation S240, a sum of the estimated time consumption and the historical time consumption is calculated to obtain an estimated arrival time of the cross-border remittance.

In operation S250, the money transfer progress information of the cross-border money transfer is updated according to the transaction status of the cross-border money transfer at the transfer bank and the remaining transfer banks.

In this embodiment, a full view of the transit bank through which the cross-border remittance passes may be generated according to the remittance route of the cross-border remittance, and the transit bank where the cross-border remittance is currently located, the estimated time consumption of the transit bank and the estimated arrival time of completing the remittance are shown in the full view, so as to report the remittance progress to the user in real time.

The cross-border remittance progress estimation method according to the embodiment of the present disclosure will be further described with reference to fig. 3.

Fig. 3 is a block diagram schematically illustrating an application system of the cross-border remittance progress estimation method according to the embodiment of the present disclosure.

As shown in fig. 3, the cross-border remittance progress estimation method can be applied to the application system, and the application system 300 can include a swift system 310, a clearing service management platform 320, a big data platform 330, an intelligent analysis result processing module 340 and a personal internet bank/short message platform 350.

The SWIFT system 310 is responsible for receiving remittance information for cross-border remittance at the transit banks and cost information and receiving feedback on the progress of the remittance between the commercial transit banks. After collecting the remittance information of cross-border remittance, the SWIFT system 310 packages the remittance information into a GPI message and sends the GPI message to the clearing service platform.

The clearing service management platform 320 can execute the cross-border remittance progress estimation method provided by the embodiment of the disclosure, obtain the remittance progress information of the cross-border remittance, and call the personal internet bank/short message platform 5 to update the remittance progress. Specifically, after obtaining the GPI message from the SWIFT system 310, the clearing service management platform 320 analyzes the message according to the message elements and nodes, and stores the message in a storage; then, acquiring remittance information needed to be used, such as expense information, node information and next hand information, according to the analyzed GPI notification message; calling a big data platform 330 to obtain historical remittance snapshots (mainly comprising historical remittance duration and compliance information) and historical node processing information (several participating lines in remittance) according to the remittance information, and obtaining a training model according to a Bayesian algorithm; and inputting the remittance information of the cross-border remittance into a preset training model to obtain the time and cost for judging the cross-border remittance in the transfer bank, and summarizing the time length of each node to obtain the predicted arrival time.

The big data platform 330 is responsible for receiving historical remittance details and cost information of each transit bank and providing the information to the clearing business management platform, and the information can be used for training models and accumulating experience remittance libraries.

The intelligent analysis result processing module 340 specifically executes the cross-border remittance progress estimation task assigned by the clearing service management platform 320, and executes a specific algorithm.

The personal internet bank/sms platform 350 is responsible for receiving the remittance progress information and updating the remittance progress in near real time, and notifies the client of the remittance progress by sms.

The detailed functions of the intelligent analysis result processing module 340 are described in detail below.

The intelligent analysis result processing module 340 may be preset with a training model, which is obtained according to the historical remittance details and cost information of each transit bank provided by the big data platform 330. Inputting remittance information of cross-border remittance into the training model to obtain floor probability of settlement processed in the transit bank on the current day of the cross-border remittance, wherein the remittance information at least comprises the amount, currency, remitter, payee and country of the transit node of the cross-border remittance; and performing weighted calculation based on the landing probability and the historical remittance time consumption of the transit bank to obtain the estimated time consumption for handling the settlement in the transit bank on the current date of the cross-border remittance.

Alternatively, the remittance information may be processed according to different training categories (including remittance node, historical remittance details, current progress of remittance, and country of the remittance node), the landing probability of each node (i.e., the transfer bank) may be calculated, P (landing | remittance information) is P (remittance information | landing) × P (landing)/P (remittance information), and each characteristic value of P (remittance information) is obtained by using a big data sample for each characteristic value (amount/currency, remitter, country, and recipient) of the remittance information, where P (remittance information) is P (country) × P (remitter) × P (recipient) × P (amount/currency).

Further, since the holiday and the clearing time of each country are fixed, and there is a certain probability whether the service is processed on the current day, the cross-border remittance progress estimation method executed by the intelligent analysis result processing module 340 may further include operations S341 to S343.

In operation S341, it is determined whether the current day is a holiday of a country to which the transit bank belongs.

In operation S342, if the current day is not the holiday of the country to which the transfer bank belongs, the estimated consumed time is weighted and calculated based on the landing probability and the historical remittance consumed time of the transfer bank.

In operation S343, if the current day is the holiday of the transit bank, the service transaction date of the cross-border remittance is postponed to the latest working day to calculate the estimated elapsed time.

In this embodiment, in order to improve the accuracy of the estimation of the cross-border remittance progress, the cross-border remittance progress estimation method may further include operations S344 to S345.

In operation S344, whenever the cross-border remittance is processed at a transit bank, a prediction accuracy of the transit bank is calculated based on the estimated time consumption and the actual time consumption of the transit bank.

In operation S345, the historical remittance time of the transit bank is updated based on the prediction accuracy.

In this embodiment, an accuracy threshold may be preset, and when the accuracy threshold is lower than the preset threshold, the historical remittance information training model is obtained from the big data platform again, so as to improve the accuracy of the estimated consumed time.

In this embodiment, the personal internet bank/short message platform 350 may receive a progress query request from a sender or a receiver, and when receiving the request, returns the information of the remittance progress and the predicted settlement time to a progress query requester, where the progress query requester includes the sender and the receiver of the cross-border remittance; and/or pushing the remittance progress information and the predicted account arrival time to a remitter and a receiver of the cross-border remittance regularly.

In this embodiment, the cross-border remittance progress estimation method may further calculate the fee of the cross-border remittance generated in the transit bank while estimating the progress, so that the remitter or the receiver can grasp the change of the amount of money. Including operations S346 through S347.

In operation S346, the cross-border remittance is acquired based on the remittance information to perform service transaction of the fees at the transit node and the remaining transit nodes.

In operation S347, the fee is fed back to the transferor and transferee of the cross-border remittance.

Based on the cross-border remittance progress estimation method, the disclosure also provides a cross-border remittance progress estimation device. The apparatus will be described in detail below with reference to fig. 4.

Fig. 4 schematically illustrates a block diagram of a cross-border remittance progress estimator according to an embodiment of the present disclosure.

As shown in fig. 4, a cross-border money transfer progress estimation apparatus 400 of the embodiment includes a money transfer information obtaining module 410, a current node time consumption estimation module 420, a remaining node time consumption estimation module 430, an estimated arrival time calculation module 440, and a money transfer progress update module 450.

The remittance information acquisition module 410 is used for acquiring remittance information of the cross-border remittance at a transit bank every time the cross-border remittance arrives at the transit bank. In one embodiment, the remittance information acquisition module 410 may be configured to perform the operation S210 described above, which is not described herein again.

The current node time consumption estimation module 420 is configured to input the remittance information into a preset training model, and calculate estimated time consumption for handling at the transit bank on the current cross-border remittance date. In an embodiment, the current node time consumption estimation module 420 may be configured to perform the operation S220 described above, which is not described herein again.

The remaining node time consumption estimation module 430 is configured to input the remittance information into a preset experience remittance library, obtain a remaining transit bank through which the cross-border remittance needs to pass before the business is finished, and obtain historical remittance time consumption of the remaining transit bank. In an embodiment, the remaining node elapsed time estimation module 430 may be configured to perform the operation S230 described above, which is not described herein again.

The estimated arrival time calculation module 440 is configured to calculate a sum of the estimated time consumption and the historical time consumption to obtain an estimated arrival time of the cross-border remittance. In an embodiment, the estimated arrival time calculation module 440 may be configured to perform the operation S240 described above, which is not described herein again.

The remittance progress updating module 450 is configured to update remittance progress information of the cross-border remittance according to the transaction status of the cross-border remittance at the transit bank and the remaining transit banks. In one embodiment, the money transfer progress updating module 450 may be configured to perform the operation S250 described above, and will not be described herein again.

It should be noted that the cross-border remittance progress estimation device disclosed in the embodiment of the present disclosure has the same technical features as the cross-border remittance progress estimation method provided in the embodiment of the present disclosure, and therefore, the same technical effects as the cross-border remittance progress estimation method provided in the embodiment of the present disclosure can be achieved, and therefore, the details are not described herein again.

According to the embodiment of the present disclosure, any of the remittance information obtaining module 410, the current node time consumption estimating module 420, the remaining node time consumption estimating module 430, the estimated arrival time calculating module 440 and the remittance progress updating module 450 may be combined into one module to be implemented, or any one of them may be separated 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 remittance information obtaining module 410, the current node time-consumption estimating module 420, the remaining node time-consumption estimating module 430, the estimated arrival time calculating module 440 and the remittance progress updating module 450 may be at least partially implemented 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 manners of software, hardware and firmware, or by a suitable combination of any of them. Alternatively, at least one of the money transfer information obtaining module 410, the current node elapsed time estimation module 420, the remaining node elapsed time estimation module 430, the estimated arrival time calculation module 440, and the money transfer progress update module 450 may be at least partially implemented as a computer program module that, when executed, may perform corresponding functions.

Fig. 5 schematically illustrates a block diagram of an electronic device suitable for implementing a cross-border money transfer progress estimation method in accordance with an embodiment of the disclosure.

As shown in fig. 5, an electronic device 500 according to an embodiment of the present disclosure includes a processor 501 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)502 or a program loaded from a storage section 508 into a Random Access Memory (RAM) 503. The processor 501 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 501 may also include onboard memory for caching purposes. Processor 501 may include a single processing unit or multiple processing units for performing different actions of a method flow according to embodiments of the disclosure.

In the RAM 503, various programs and data necessary for the operation of the electronic apparatus 500 are stored. The processor 501, the ROM 502, and the RAM 503 are connected to each other by a bus 504. The processor 501 performs various operations of the method flows according to the embodiments of the present disclosure by executing programs in the ROM 502 and/or the RAM 503. Note that the programs may also be stored in one or more memories other than the ROM 502 and the RAM 503. The processor 501 may also perform various operations of method flows according to embodiments of the present disclosure by executing programs stored in the one or more memories.

According to an embodiment of the present disclosure, electronic device 500 may also include an input/output (I/O) interface 505, input/output (I/O) interface 505 also being connected to bus 504. The electronic device 500 may also include one or more of the following components connected to the I/O interface 505: an input portion 506 including a keyboard, a mouse, and the like; an output portion 507 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 508 including a hard disk and the like; and a communication section 509 including a network interface card such as a LAN card, a modem, or the like. The communication section 509 performs communication processing via a network such as the internet. The driver 510 is also connected to the I/O interface 505 as necessary. A removable medium 511 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 510 as necessary, so that a computer program read out therefrom is mounted into the storage section 508 as necessary.

The present disclosure also provides a computer-readable storage medium, which may be embodied in the device/apparatus/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 ROM 502 and/or RAM 503 and/or one or more memories other than ROM 502 and RAM 503 described above.

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. When the computer program product runs in a computer system, the program code is used for causing the computer system to realize the item recommendation method provided by the embodiment of the disclosure.

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 501. 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, and the like. In another embodiment, the computer program may also be transmitted, distributed in the form of a signal on a network medium, downloaded and installed through the communication section 509, and/or installed from the removable medium 511. 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 509, and/or installed from the removable medium 511. The computer program, when executed by the processor 501, performs the above-described functions defined in the system of the embodiments 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 cross-border remittance progress estimation method comprises the following steps:

every time a cross-border remittance arrives at a transfer bank, obtaining remittance information of the cross-border remittance at the transfer bank;

inputting the remittance information into a preset training model, and calculating estimated time consumption for handling and handling at the transit bank on the current day of the cross-border remittance;

inputting the remittance information into a preset experience remittance bank to obtain the residual transfer banks through which the cross-border remittance needs to pass before the business is finished, and acquiring the historical remittance time consumption of the residual transfer banks;

calculating the sum of the estimated time consumption and the historical time consumption to obtain the estimated arrival time of the cross-border remittance; and

and updating the remittance progress information of the cross-border remittance according to the transaction state of the cross-border remittance in the transit bank and the rest transit banks.

2. The method of claim 1, wherein inputting the remittance information into a predetermined training model, calculating an estimated time spent by the transit bank processing the transaction on the current day of the cross-border remittance comprises:

inputting the remittance information into the training model to obtain the landing probability of the settlement processed in the transfer bank on the current day of the cross-border remittance, wherein the remittance information at least comprises the amount, currency, remitter, payee and country of the transfer node of the cross-border remittance;

and performing weighted calculation based on the landing probability and the historical remittance time consumption of the transit bank to obtain the estimated time consumption for handling the settlement in the transit bank on the current date of the cross-border remittance.

3. The method of claim 2, further comprising:

judging whether the current day is a holiday of the country to which the transit bank belongs;

if the current day is not the holiday of the country of the transfer bank, performing weighted calculation on the estimated consumed time based on the landing probability and the historical remittance consumed time of the transfer bank;

and if the current day is the holiday of the transit bank, the service transaction date of the cross-border remittance is postponed to the latest working day to calculate the estimated time consumption.

4. The method of claim 1, further comprising:

processing and handling the cross-border remittance in a transit bank every time, and calculating the prediction accuracy of the transit bank based on the estimated time consumption and the actual time consumption of the transit bank;

and updating the historical remittance time of the transfer bank based on the prediction accuracy.

5. The method of claim 1, further comprising:

receiving a progress inquiry request, and returning the remittance progress information and the predicted account arrival time to a progress inquiry requester, wherein the progress inquiry requester comprises a remitter and a receiver of the cross-border remittance; and/or

And pushing the remittance progress information and the predicted settlement time to a remitter and a receiver of the cross-border remittance regularly.

6. The method of claim 1, further comprising:

acquiring the cross-border remittance on the basis of the remittance information, and performing service handling on the transit node and the rest transit nodes to handle the fee;

and feeding the fee back to the transferor and the transferee of the cross-border remittance.

7. A cross-border remittance progress estimator, comprising:

the remittance information acquisition module is used for acquiring remittance information of the cross-border remittance in a transfer bank when the cross-border remittance arrives at the transfer bank;

the current node time consumption estimation module is used for inputting the remittance information into a preset training model and calculating estimated time consumption for processing and handling in the transit bank on the current cross-border remittance date;

the residual node time consumption estimation module is used for inputting the remittance information into a preset experience remittance bank, obtaining a residual transit bank which the cross-border remittance needs to pass before the business is finished, and obtaining the historical remittance time consumption of the residual transit bank;

the estimated arrival time calculation module is used for calculating the sum of the estimated time consumption and the historical time consumption to obtain the estimated arrival time of the cross-border remittance; and

and the remittance progress updating module is used for updating the remittance progress information of the cross-border remittance according to the transaction state of the cross-border remittance in the transit bank and the rest transit banks.

8. An electronic device, comprising:

one or more processors;

a storage device for storing one or more programs,

wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the method of any of claims 1-6.

9. A computer readable storage medium having stored thereon executable instructions which, when executed by a processor, cause the processor to perform the method of any one of claims 1 to 6.

10. A computer program product comprising a computer program which, when executed by a processor, implements a method according to any one of claims 1 to 6.