CN115099807A

CN115099807A - Data processing method and device for cross-border fund payment and computer equipment

Info

Publication number: CN115099807A
Application number: CN202211037724.4A
Authority: CN
Inventors: 吴思妮; 林文欢
Original assignee: CCB Finetech Co Ltd
Current assignee: CCB Finetech Co Ltd
Priority date: 2022-08-29
Filing date: 2022-08-29
Publication date: 2022-09-23

Abstract

The disclosure relates to a data processing method, a device and computer equipment for cross-border fund payment. Relates to the technical field of big data processing. The method comprises the following steps: receiving fund payment information corresponding to the fund payment application; carrying out data processing on the fund payment information to obtain remitted fund information; the data processing at least comprises: performing data check, data amount analysis and commission charge calculation on the fund payment information; processing the remittance fund information according to the standard of the international fund clearing system to obtain remittance message data; and sending the remittance message data to a target financial system through the international fund clearing system, wherein the remittance message data is used for instructing the target financial system to process the fund payment application. By adopting the method, loan funds or funds flowing to overseas can be regulated.

Description

Data processing method and device for cross-border fund payment and computer equipment

Technical Field

The disclosure relates to the technical field of big data processing, in particular to a data processing method, a data processing device and computer equipment for cross-border fund payment.

Background

With the deep progress of the economic globalization process, the cross-border trade is steadily developed, and the cross-border payment scale is gradually enlarged. In order to realize the special loan fund usage and avoid the fund flow into the prohibited field, the loan fund needs to be supervised in the whole process and the fund flow is ensured to be in compliance.

At present, a cross-border fund processing mode generally adopts a traditional bank cross-border payment system taking SWIFT (society for world Interbank financial) remittance as a main mode, and adopts an operation mode of a proxy agent, so that the problems of long fund clearing process, slow account arrival time, high cost and the like exist.

Furthermore, due to the non-uniform business standards, technical standards and data standards, the loan funds or funds flowing overseas cannot be regulated.

Disclosure of Invention

In view of the above, there is a need to provide a data processing method, apparatus, and computer device for cross-border fund payment that can supervise loan funds or funds flowing overseas.

In a first aspect, the present disclosure provides a method of data processing for cross-border funding. The method comprises the following steps:

receiving fund payment information corresponding to the fund payment application;

carrying out data processing on the fund payment information to obtain remitted fund information; the data processing at least comprises: performing data check, data amount analysis and commission charge calculation on the fund payment information;

processing the remittance fund information according to the standard of an international fund clearing system to obtain remittance message data;

and sending the remittance message data to a target financial system through the international fund clearing system, wherein the remittance message data is used for instructing the target financial system to process the fund payment application.

In one embodiment, the fund payment information at least comprises: payment date, remittance amount, receipt currency, deduction amount, deduction currency, deduction date, target account, deduction account and service list number; the data processing of the fund payment information comprises:

checking the data format of the fund payment information and the content of the fund payment information to obtain a checking result;

at least performing suspicious transaction analysis and/or blacklist query according to the target account and the payment amount to obtain an analysis result and/or a query result;

and calculating the handling fee data at least according to the remittance amount and the charge collection currency.

In one embodiment, before the processing the remittance fund information according to the standard of the international fund clearance system to obtain remittance message data, the method further comprises:

determining a mode for sending message data according to the fund payment information;

matching information of financial institutions according to the determined mode of sending the message data, and determining a target financial system for receiving the message data and an identification code of the target financial system;

correspondingly, the sending the remittance message data to the target financial system through the international fund clearing system includes:

and sending the remittance message data to the target financial system through the international fund clearing system and the identification code of the target financial system.

In one embodiment, the data processing of the fund payment information to obtain remitted fund information includes:

and under the conditions that the data format of the fund payment information is determined to be accurate according to the checking result, the content of the fund payment information is not empty, and non-suspicious transactions and non-blacklists are determined according to the analysis result and/or the query result, determining to remit the fund information at least according to the fund payment information, the commission fee data and the identification code.

In one embodiment, the method further comprises:

under the condition that the data format of the fund payment information is determined to be inaccurate and/or the fund payment information content is empty according to the check result, outputting error message data;

under the condition that suspicious transactions and/or blacklists are determined according to the analysis results and/or the query results, suspicious message data are output;

wherein the error message data and the suspicious message data are used to instruct to stop processing the fund payment application.

In one embodiment, after determining the target financial institution receiving the message data and the identification code of the target financial institution, the method further comprises:

checking whether the time of the fund payment application is within the business hours of the target financial system and the business hours of the remittance financial system.

In one embodiment, before receiving the fund payment information corresponding to the fund payment application, the method comprises the following steps:

receiving a fund payment application;

and performing fund payment examination on the information corresponding to the fund payment application, wherein the fund payment examination at least comprises the following steps: determining a payment date and a withholding date; determining whether the usage, payment amount, receipt currency, deduction amount and deduction currency of remittance funds in the fund payment application are reasonable; determining whether the states of the target account and the deduction account are normal;

and generating the fund payment information corresponding to the fund payment application under the condition that the fund payment examination is passed.

In one embodiment, the method further comprises: and receiving the payment result information output by the target financial system through the international fund clearing system, and carrying out bookkeeping according to the payment result information and the remitted fund information.

In one embodiment, the receiving, by the international fund clearance system, the payment result information and the accounting according to the payment result information and the remitted fund information includes:

under the condition that the payment result information is successful, updating the issuing state of the fund payment application according to the payment result information and the service list number;

determining transaction flow data at least according to the payment amount, the deduction amount, the target account and the deduction account in the remitted fund information;

accounting is carried out according to the transaction flow data;

and under the condition that the payment result information is failed, feeding back first information to the target financial system, wherein the first information is used for instructing the target financial system to reprocess the fund payment application.

In one embodiment, the method further comprises:

performing data conversion on the transaction flow data to convert the transaction flow data into a data format which accords with the storage of a storage database;

performing data cleaning on the transaction flow data subjected to data conversion, and storing the transaction flow data subjected to data cleaning, wherein the data cleaning at least comprises the following steps: sensitive information processing, deduplication and invalid information removal.

In a second aspect, the present disclosure also provides a data processing apparatus for cross-border fund payment. The device comprises:

the information receiving module is used for receiving fund payment information corresponding to the fund payment application;

the data processing module is used for carrying out data processing on the fund payment information to obtain remitted fund information; the data processing at least comprises: performing data check, data amount analysis and commission charge calculation on the fund payment information;

and the standard processing module is used for processing the remittance fund information according to the standard of the international fund clearing system to obtain remittance message data.

And the data sending module is used for sending the remittance message data to a target financial system through the international fund clearing system, and the remittance message data is used for indicating the target financial system to process the fund payment application.

In one of the embodiments of the apparatus, the funds payment information comprises at least: payment date, remittance amount, receipt currency, deduction amount, deduction currency, deduction date, target account, deduction account and service list number; the data processing module comprises:

the data checking module is used for checking the data format of the fund payment information and the content of the fund payment information to obtain a checking result;

the analysis query module is used for performing suspicious transaction analysis and/or blacklist query at least according to the target account and the payment amount to obtain an analysis result and/or a query result;

and the calculation module is used for calculating the commission charge data at least according to the remittance amount and the charge collection currency.

In one embodiment of the apparatus, the apparatus further comprises: the target financial institution determination module is used for determining a mode for sending message data according to the fund payment information; matching information of financial institutions according to the determined mode of sending the message data, and determining a target financial system for receiving the message data and an identification code of the target financial system; correspondingly, the data sending module is further configured to send the remittance message data to the target financial system through the identification codes of the international fund clearing system and the target financial system.

In one embodiment of the apparatus, the data processing module is further configured to determine remittance information according to at least the fund payment information, the commission data, and the identification code, in a case where it is determined that the data format of the fund payment information is accurate, the content of the fund payment information is not empty, and it is determined that the fund payment information is not a suspicious transaction and is not a blacklist according to the analysis result and/or the query result.

In one embodiment of the apparatus, the data processing module further comprises: the first data output module is used for outputting error message data under the condition that the data format of the fund payment information is determined to be inaccurate and/or the fund payment information content is empty according to the check result;

the second data output module is used for outputting suspicious message data under the condition that suspicious transactions and/or blacklists are determined according to the analysis result and/or the query result;

In one embodiment of the apparatus, the apparatus further comprises: the application receiving module is used for receiving a fund payment application;

a fund review module, configured to perform fund payment review on information corresponding to the fund payment application, where the fund payment review at least includes: determining a payment date and a withholding date; determining whether the usage, payment amount, receipt currency, account deduction amount and account deduction currency of remittance funds in the fund payment application are reasonable; determining whether the states of the target account and the deduction account are normal;

and the information generation module is used for generating the fund payment information corresponding to the fund payment application under the condition that the fund payment examination is passed.

In one embodiment of the apparatus, the apparatus further comprises: and the accounting processing module is used for receiving the payment result information output by the target financial system through the international fund clearing system and accounting according to the payment result information and the remitted fund information.

In one embodiment of the apparatus, the accounting processing module includes: the state updating module is used for updating the issuing state of the fund payment application according to the payment result information and the service list number under the condition that the payment result information is successful;

the flow data accounting module is used for determining transaction flow data at least according to the payment amount, the deduction amount, the target account and the deduction account in the remitted fund information and accounting according to the transaction flow data;

and the feedback module is used for feeding back first information to the target financial system under the condition that the payment result information is failed, wherein the first information is used for indicating the target financial system to reprocess the fund payment application.

In one embodiment of the apparatus, the apparatus further comprises: the conversion cleaning module is used for carrying out data conversion on the transaction flow data to convert the transaction flow data into a data format which is in accordance with the storage of a storage database; performing data cleaning on the transaction flow data subjected to data conversion, and storing the transaction flow data subjected to data cleaning, wherein the data cleaning at least comprises the following steps: sensitive information processing, deduplication and invalid information removal.

In a third aspect, the present disclosure also provides a computer device. The computer device comprises a memory having stored thereon a computer program and a processor implementing the steps of the above-described method embodiments when executing the computer program.

In a fourth aspect, the present disclosure also provides a computer-readable storage medium. The computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of the above-mentioned method embodiments.

In a fifth aspect, the present disclosure also provides a computer program product. The computer program product comprises a computer program which, when executed by a processor, performs the steps of the above-described method embodiments.

In the above embodiments, the data processing is performed on the fund payment information, and the data processing at least includes: and data inspection and data amount analysis, which is a processing mode for determining whether the fund payment information meets the requirements, so that remitted fund information obtained after data processing can meet the requirements of cross-border payment. The method can ensure that the loan fund usage, the issued account, the issued amount and the like do not have abnormal problems, and ensure that the fund is not used in disorder. And if the cross-border payment requirement is not met after the data is processed, the data is not processed, so that the risk of cross-border payment is avoided. The whole process supervision of the funds of cross-border payment can be realized, and the compliance of the funds flow is ensured. And the remittance fund information is processed through the standard of an international fund clearing system, the remittance message data is sent to a target financial system through the international fund clearing system, overseas fund payment can be realized, and the fund payment can be examined through data processing, so that overseas fund payment supervision is realized.

In some embodiments, it can be determined whether the fund payment information has a risk problem or other problems according to the checking result, the analysis result and the query result. And when the checking result, the analysis result and the query result pass, the subsequent transaction processing can be carried out, so that the fund use, the account, the amount and the like are ensured to be free from problems, and the fund is ensured not to be used indiscriminately. And under the condition that the fund payment information is determined to have problems, outputting error message information or suspicious message information, determining that the current fund payment application has problems through the message information, stopping processing the fund payment application, avoiding risk transaction and reducing the risk of cross-border payment.

In some embodiments, before applying for the fund payment, the fund payment application needs to be reviewed, so that the fund usage corresponding to the fund payment application can be guaranteed to be reasonable, and the risk of cross-border fund payment is reduced.

Drawings

In order to more clearly illustrate the embodiments of the present disclosure or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present disclosure, and other drawings can be obtained by those skilled in the art without creative efforts.

FIG. 1 is a schematic diagram of an application environment of a data processing method for cross-border fund payment in one embodiment;

FIG. 2 is a schematic flow diagram of a data processing method for cross-border funding in one embodiment;

FIG. 3 is a flowchart illustrating a step S202 according to an embodiment;

FIG. 4 is a flowchart illustrating the step S204 according to an embodiment;

FIG. 5 is a flow diagram illustrating the steps of a billing operation in one embodiment;

FIG. 6 is a schematic diagram illustrating a fund approval process in a data processing method for cross-border fund payment according to another embodiment;

FIG. 7 is a schematic flow chart of data processing in the data processing method of the cross-border fund payment according to another embodiment;

FIG. 8 is a schematic flow chart illustrating a payment application process in the data processing method of cross-border fund payment according to another embodiment;

FIG. 9 is a schematic flow chart of data storage in a data processing method for cross-border fund payment according to another embodiment;

FIG. 10 is a timing diagram illustrating a data processing method for cross-border funding in one embodiment;

FIG. 11 is a block diagram that illustrates the architecture of a data processing device for cross-border funding in one embodiment;

FIG. 12 is a diagram showing an internal configuration of a computer device according to an embodiment.

Detailed Description

In order to make the objects, technical solutions and advantages of the present disclosure more clearly understood, the present disclosure is further described in 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 disclosure and are not intended to limit the disclosure.

It should be noted that the terms "first," "second," and the like in the description and claims herein and in the above-described drawings are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments herein described are capable of operation in sequences other than those illustrated or described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, apparatus, article, or device that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or device.

In this document, the term "and/or" is only one kind of association relationship describing the associated object, meaning that three kinds of relationships may exist. For example, a and/or B, may represent: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the character "/" herein generally indicates that the former and latter associated objects are in an "or" relationship.

As mentioned in the background, the current capital administration methods generally employ the following: outputting a supervision information form input interface after detecting the fund supervision application so as to allow a sponsor or an applicant to input information; after the information input is finished, if a supervision material generation request is detected, generating a money transfer instruction book and a supervision protocol according to the supervision information form; upon detecting a request to transfer funds for regulatory, outputting a payment interface for the applicant to transfer the regulatory funds; and after the transfer is detected to be completed, transferring the current supervision business corresponding to the fund supervision application to an auditor, and synchronizing the supervision information of the current supervision business to a supervision bank for the supervision bank to supervise the fund.

However, the current fund supervision method can only examine and approve the fund, and cannot supervise the fund when the fund is paid, and the scheme can only process the domestic fund and cannot cover the overseas fund supervision business scene.

The supervision can be a mode of ensuring that the loan fund is not used disorderly by each link of loan fund release through manual approval and system approval treatment, and ensuring that the use of the loan fund, the release account, the release amount and the like do not have problems.

Therefore, to solve the above problem, the embodiments of the present disclosure provide a data processing method for cross-border fund payment, which may be applied in the application environment shown in fig. 1. Wherein the terminal 102 communicates with the international funds clearing system 104 over a network. The international funds clearance system 104 communicates with the target financial system 106 over a network. The terminal 102 receives the fund payment information corresponding to the fund payment application. And the terminal 102 performs data processing on the fund payment information to obtain remitted fund information. The terminal 102 processing the funds payment at least comprises: and carrying out data check, data amount analysis and commission charge calculation on the fund payment information. The terminal 102 processes the remittance funds according to the standards of the international funds clearance system 104 and assembles the remittance message data. The terminal 102 sends the remittance message data to the target financial system 106 through the international funds clearing system 104, the remittance message data instructing the target financial system 106 to process the funds payment application. The terminal 102 may be, but is not limited to, various personal computers, notebook computers, smart phones, tablet computers, and the like. International funds clearing system 104 and target financial system 106 may be implemented as separate servers or as a server cluster of multiple servers.

In some embodiments of the present disclosure, terminal 102 may be a terminal in which a clearing system is installed.

In some embodiments of the present disclosure, the clearing System may be a GMPS (Global Muti-currenty Payment System), may be an overseas clearing System of the financial technologies ltd, and meets the requirements of foreign exchange clearing business, and has functions of remittance, accounting management, and the like.

In one embodiment, as shown in fig. 2, a data processing method for cross-border fund payment is provided, which is illustrated by applying the method to the terminal 102 in fig. 1 as an example, and includes the following steps:

s202, receiving fund payment information corresponding to the fund payment application.

The fund payment application can be an application that a user needs to pay to a foreign account generally, and can be an application for issuing the fund to the foreign account domestically. The fund payment information may generally be some information related to the fund payment application, such as payment time, amount, and the like.

Specifically, when applying for the fund payment, the fund payment application is usually examined and approved, and after the approval, the fund payment information corresponding to the fund payment application is generated. And sending the fund payment application and fund payment information corresponding to the fund payment application to a clearing system through a service supervision system. And the clearing system receives the fund payment information corresponding to the fund payment application.

S204, carrying out data processing on the fund payment information to obtain remitted fund information; the data processing at least comprises: and performing data check, data amount analysis and commission charge calculation on the fund payment information.

In this embodiment, the data processing may be a processing manner of processing the fund payment information to determine that the fund payment information meets various requirements during fund payment. Remittance of funds information may generally be satisfactory funds payment information. The remittance fund information may include various information about payment, such as handling fees, deduction accounts, and the like. The data check may generally be a way of checking whether the funding payment information meets the data requirements. Data amount analysis may generally be a way of analyzing whether there is a suspected risk of the amount paid in the funds payment information.

Specifically, at least the data check, the data amount analysis, and the commission calculation may be performed on the fund payment information. And after the data inspection and the data amount analysis are passed, remitting fund information is formed according to the commission charge calculated by the commission charge and other information in the fund payment information. And after any one of the data inspection or the data amount analysis is failed, the fund payment information is proved to be abnormal and is not processed.

It is understood that the fund payment information may be processed in other ways to verify whether the fund payment information is abnormal.

And S206, processing the remittance fund information according to the standard of the international fund clearing system to obtain remittance message data.

The international capital clearing system may be generally SWIFT (society for world bank Financial telecom) SWIFT, which provides security message service and interface software for Financial systems of Financial institutions of various countries around the world, and connects Financial systems of Financial institutions which originally do not come and go in series together around the world to transmit various information related to exchange. In short, the financial systems of the financial institutions of various countries perform various transactions, such as remittance, with the financial systems of other financial institutions through SWIFT.

In particular, the format of SWIFT is typically standardized. For SWIFT messages, there are uniform requirements and formats for SWIFT organizations. Therefore, the remittance fund information is required to be converted into data in the SWIFT format, and data is generally transmitted between financial systems through message data, so that the remittance fund information converted into the SWIFT format is converted into the message data, and finally, the remittance message data is obtained.

And S208, sending the remittance message data to a target financial system through the international fund clearing system, wherein the remittance message data is used for instructing the target financial system to process the fund payment application.

Wherein the target financial system may generally be a financial system of the receiving financial institution. The receiving financial institution typically has a financial structure corresponding to the foreign account.

Specifically, the clearing system may be connected to the message management system through http (hyper Text Transfer protocol), and forward the remittance message data value SWIFT through the message system, where the SWIFT sends the received remittance message data to the target financial system. And after receiving the remittance message data, the target financial system is connected with a clearing system according to the remittance message data to process the fund payment application so as to complete overseas fund payment.

The message system may be a system having functions of message processing, message delivery management, and the like.

The Message system in this embodiment may be a gmx (global Message Exchange system) messaging management system of financial technologies and technologies ltd, or other Message systems, and may meet the Message management requirement, and may be connected to the SWIFT system.

In the above data processing method for cross-border fund payment, the fund payment information is subjected to data processing, and the data processing at least comprises: and data inspection and data amount analysis, which is a processing mode for determining whether the fund payment information meets the requirements, so that remitted fund information obtained after data processing can meet the requirements of cross-border payment. The method can ensure that the loan fund usage, the issued account, the issued amount and the like do not have abnormal problems, and ensure that the fund is not used randomly. And if the cross-border payment requirement is not met after the data is processed, the data is not processed, so that the risk of cross-border payment is avoided. The whole process supervision of the funds of cross-border payment can be realized, and the compliance of the funds flow is ensured. And the remittance fund information is processed through the standard of the international fund clearing system, the remittance message data is sent to a target financial system through the international fund clearing system, overseas fund payment can be realized, and the fund payment can be examined through data processing, so that overseas fund payment supervision is realized.

In one embodiment, as shown in fig. 3, before receiving the fund payment information corresponding to the fund payment application, the method includes:

s302, a fund payment application is received.

S304, carrying out fund payment examination on the information corresponding to the fund payment application, wherein the fund payment examination at least comprises the following steps: determining a payment date and a withholding date; determining whether the usage, payment amount, receipt currency, deduction amount and deduction currency of remittance funds in the fund payment application are reasonable; it is determined whether the status of the target account and the debit account is normal.

And S306, judging whether the fund payment examination is passed or not.

S308, generating the fund payment information corresponding to the fund payment application under the condition that the fund payment examination is passed.

Specifically, prior to making a funds payment application, a user typically needs to open a personal account, enter into a loan contract, and enter into a funds administration contract. When a loan contract is made, a credit funds book is established in the process approval system. According to the requirements of a client when making an account, the credit fund account book is divided into a single-level account book and a multi-level account book. If it is a single level book, loan funds will be issued to the book. If it is a multi-level book, the sub-account of the loan contract is automatically generated under the main account after the loan contract is signed, and the loan fund is released to the sub-account. And carrying out cross-border fund payment through the sub-account. The user can initiate a fund payment application through a counter or an overseas bank, the application is provided by an enterprise operator in the overseas bank, and is submitted to a remittance financial institution after being rechecked by an enterprise rechecker, and a client manager of the remittance financial institution carries out fund payment examination in a process approval system. The funds payment review may include: determining information such as payment starting date, payment ending date, whether supervision is accepted or not, checking whether fund usage, amount, currency and the like are reasonable or not, and whether the states of a payment account and a collection account are normal or not. Generally, after a fund supervision contract is signed, the fund corresponding to the fund payment application needs to be supervised. And under the condition of passing the approval, the process approval system calls an interface to synchronize the issuing state of the fund payment application. And then generating corresponding fund payment information through a service supervision system. The funds payment information may typically be a business listing number. The service list number is unique and is used as a payment basis, and service personnel can inquire payment records according to the service list number. In the event of a failed approval, the funds payment application is certified as not in compliance, rejected, and not processed.

The business supervision system plays a role in recording fund supervision information and sending a payment instruction, and is connected with the process approval system and the clearing system. The generated payment instruction with the service list number as the unique identifier comprises information of the collection and payment elements, information of the payment starting and ending time, the payment path and the like. It will be appreciated that in some embodiments of the present disclosure, the funds corresponding to the funds payment application may generally be loan funds, or may be other funds.

In this embodiment, before applying for funds payment, the funds payment application needs to be reviewed for funds payment, so that the funds corresponding to the funds payment application can be used reasonably, and the risk of cross-border funds payment is reduced.

In one embodiment, the funds payment information includes at least: payment date, remittance amount, receipt currency type, deduction amount, deduction currency type, deduction date, target account, deduction account and service list number. Before the processing the remittance fund information according to the standard of the international fund clearing system and obtaining the remittance message data, the method further comprises the following steps:

the identification Code may be a Bank Identifier Code (BIC) which is composed of eight bits or eleven english letters or arabic numerals that can be automatically interpreted by the server, and is used for clearly distinguishing different financial institutions related to financial transactions in SWIFT telegraph. The bank international Code (SWIFT Code) is a bank identification Code proposed by the SWIFT association and passed by ISO, and a specific SWIFT Code exists in every member institution of the association.

Specifically, the method for sending the message data may be determined by the amount of account deduction and the amount of remittance in the fund payment information. The method for sending the message data may include: outgoing messages and incoming messages. The outgoing message may be a message remitted to a foreign financial system, and the incoming message may be a message remitted from a foreign financial system to a domestic financial system. In this embodiment, the manner of sending the message data may typically be a remittance message to a foreign financial system. A financial system is determined that is connected to the money transfer financial system of the money transfer financial institution via SWIFT. And matching the corresponding financial system in the determined financial system according to the determined mode of sending the message data, wherein the corresponding financial system can be a target financial system. And the identification code of the target financial system is determined.

In some exemplary embodiments, the amount of money to be deducted is determined as an remittance transaction, e.g., by a debit in the funds payment information, and a remittance message is determined. A financial system connected to a remittance financial system of a remittance financial institution via SWIFT. Matching is performed in the connected financial systems, and the financial system receiving the remitted message is found. The financial system may be determined to be a target financial system. The BIC of the target financial system is obtained. If the transaction between the financial system of the remittance financial institution and the target financial system needs to be performed through the intermediary or the agent, the BIC of the intermediary and the BIC of the agent are also acquired.

and sending the remittance message data to a target financial system through the identification codes of the international fund clearing system and the target financial system.

Specifically, the corresponding target financial institution is found through the identification code of the target financial system, and the remittance message data is sent to the target financial system through the international fund clearing system.

If the transaction is carried out through the intermediate bank or the agent bank, the intermediate bank or the agent bank is further determined through the BIC of the intermediate bank or the agent bank, and the remittance message data is sent to the target financial system through the intermediate bank or the agent bank and the international fund clearing system.

In this embodiment, the financial system to be remitted can be accurately determined by sending a message, and because the financial system is a target financial system determined by the identification code, which is proposed by the SWIFT association and has a certain standard, when performing a payment transaction, a service standard and a data standard are unified, which is convenient for monitoring the payment transaction subsequently.

In one embodiment, the data processing the funds payment information includes:

and calculating the commission charge data at least according to the remittance amount and the charge collection currency.

In some embodiments of the present application, the blacklist includes users who lose credit or users who have low credit information. Suspicious transaction analysis may generally be a method of analyzing for some violations of the transaction.

Specifically, the format of each data in the fund payment information may be checked, and whether the format of each data is accurate. Such as checking whether the withholding date and the payment date are in a format conforming to the date, such as xx minutes in xx months and xx days. And checking whether the deduction account or the target account conforms to the account of the corresponding system, if the account number of the normal financial system is 11 digits, checking whether the deduction account or the target account is 11 digits, and the like. The content of the fund payment can be whether any one of the account deduction amount, the remittance amount or other fund payment information is empty. After the inspection, an inspection result can be obtained, and the inspection result can include: the data format is accurate, the data format is not accurate, the content of the fund payment information is not empty, and the content of the fund payment information is empty. And analyzing the suspicious transaction at least according to the payment amount, and inquiring the blacklist at least according to the target account to obtain an analysis result and an inquiry result. It will be appreciated that the analysis of suspicious transactions may also be performed by a debit amount and a remittance amount. And during the blacklist query, the blacklist query can be carried out according to the target account and the deduction account. The analysis results may include: the transaction corresponding to the fund payment application is a suspicious transaction or an abnormal transaction, and the transaction corresponding to the fund payment application is a non-suspicious transaction or a normal transaction. The query results may include: and the target account number or the deduction account in the fund payment information is a blacklist, a target account number or a non-blacklist of the deduction account. And calculating the commission data at least according to the remittance amount and the receipt currency. The commission data may also be calculated based on the remittance amount, the receival currency, the deduction amount, and the deduction currency.

As shown in fig. 4, the data processing of the fund payment information to obtain remitted fund information includes:

s402, determining whether the data format of the fund payment information is accurate according to the checking result;

s404, determining whether the content of the fund payment information is empty according to the checking result;

and S406, determining whether the transaction is a suspicious transaction according to the analysis result.

And S408, determining whether the list is a blacklist according to the query result.

S410, determining to remit fund information according to the fund payment information, the commission fee data and the identification code under the condition that the data format of the fund payment information is determined to be accurate according to the checking result, the content of the fund payment information is not empty, and non-suspicious transaction and non-blacklist are determined according to the analysis result and/or the query result.

S412, outputting error message data under the condition that the data format of the fund payment information is determined to be inaccurate and/or the fund payment information content is empty according to the checking result;

s414, under the condition of determining suspicious transactions and/or blacklists according to the analysis results and/or query results, suspicious message data is output;

wherein the error message data and the suspicious message data are used to instruct to stop processing the fund payment application. The error message data may generally be message data that determines that the data content in the funding information is unsatisfactory. The suspicious message data may generally be data for determining that the fund payment application corresponding to the fund payment information is a risk transaction or an abnormal transaction.

Specifically, when determining that each data format in the fund payment information is accurate according to the checking result, determining that the content of each data format in the fund payment information is not empty, determining non-suspicious transaction according to the analysis result, and determining that the fund payment information is abnormal according to the query result, namely under the condition that all the results pass, cross-border payment can be performed through the fund payment information. Remittance information is assembled based at least on the funding payment information, the commission data, and the identification code.

And under the condition that any one result is not passed, under the condition that the data format of the fund payment information is determined to be inaccurate and/or the fund payment information content is empty according to the inspection result, outputting error message data to a service supervision system. And under the condition of determining suspicious transactions and/or blacklists according to the analysis result and/or the query result, outputting suspicious message data. And when the service supervision system receives the error message data and/or the suspicious message data, stopping processing the subsequent operation corresponding to the fund payment application. And after outputting the error message data, the clearing system also stops processing the funds payment application.

In this embodiment, whether the fund payment information has a risk problem or other problems can be determined according to the inspection result, the analysis result and the query result. And when the checking result, the analysis result and the query result pass, the subsequent transaction processing can be carried out, so that the fund use, the account, the amount and the like are ensured to be free from problems, and the fund is ensured not to be used indiscriminately. And under the condition that the fund payment information is determined to have problems, outputting error message information or suspicious message information, determining that the current fund payment application has problems through the message information, stopping processing the fund payment application, avoiding risk transaction and reducing the risk of cross-border payment.

In one embodiment, after determining the target financial institution that received the message data and the identification code of the target financial institution, the method further comprises:

In particular, the business hours of the target financial system may typically be business hours of nostro. nosstro refers to an account held in a foreign corporate account that I have opened at his bank (e.g., an account opened at a destination financial system by a remittance financial system). The business hours of the remittance financial system may be the business hours of vostro, which refers to the same industry deposit, who opens an account with my bank (e.g., an account set by the destination financial system in the remittance financial system). And judging whether the fund payment application time is in the business time of the target financial system and the business time of the remittance financial system, if so, processing the fund payment application, and ensuring the success of the fund payment application. If not, the processing of the fund payment application is stopped, and the fund payment application is continued to be processed within the business hours of entering the target financial system and the business hours of the remittance financial system.

It will be appreciated that in some embodiments of the present disclosure, the money transfer financial system and the clearing system are typically systems at the same financial institution. The same financial institution may be a money transfer financial institution in some embodiments of the present disclosure.

In this embodiment, by determining whether the time of the fund payment application is the business time of the target financial system and the business time of the remittance financial system, the successful payment transaction can be ensured, and if any one of the target financial system and the remittance financial system has passed the business time, the payment transaction cannot be processed. The payment transaction can be processed a first time while waiting for both the destination financial system and the remittance financial system to enter business hours.

The payment result information may generally include information on success in processing the fund payment application or information on failure in processing the fund payment application.

Specifically, the target financial system outputs payment result information to the international fund clearing system after processing the fund payment application according to the remittance message data. And after receiving the payment result information fed back by the target financial system, the international fund clearing system can feed back the payment result information to the clearing system through the message system, and the clearing system sends the payment result information to the business supervision system. After receiving the payment result information, the clearing system can carry out accounting according to the payment result information and the remitted fund information.

Further, as shown in fig. 5, the receiving, by the international fund clearing system, the payment result information and the accounting according to the payment result information and the remitted fund information includes:

s502, judging whether the payment result information is successful.

S504, under the condition that the payment result information is successful, updating the issuing state of the fund payment application according to the payment result information and the service list number;

s506, determining transaction flow data at least according to the payment amount, the deduction amount, the target account and the deduction account in the remitted fund information;

and S508, carrying out accounting according to the transaction flow data.

And S510, feeding back first information to the target financial system under the condition that the payment result information is failed, wherein the first information is used for indicating the target financial system to reprocess the fund payment application.

Specifically, the GMPS receives payment result information returned by the GMX, and updates the issuance state according to the payment result information and the service number when the payment result information is successful. And synchronizing the successful payment issuing information to a service monitoring system, and the service monitoring system inquires and matches according to the serial number of the service list and updates the issuing state of the fund payment application. And determining transaction flow data at least according to the payment amount, the deduction amount, the target account and the deduction account in the remitted fund. Accounting is carried out on the transaction flow data. And determining that the target financial system fails to process the fund payment application under the condition that the payment result information is failure. The clearing system needs to feed back the first information to the target financial system. The target financial system may re-process the funds payment application after receiving the first information. Whether the release of the funds payment application is completed may be determined by the release status of the funds payment application.

In this embodiment, data synchronization between different systems is usually required. The complete flow must include data synchronization, data post-processing. It is therefore desirable to update the issuance state to be able to determine if the task is complete. The downstream system can carry out accounting and data storage, thereby avoiding confusion of company accounts and data non-storage. In the event of data loss, data can be recovered from the accounted data.

In one embodiment, the method further comprises: the clearing system may register the operational journal list, remittance registry, and date and time of registration, which is typically the local date and time corresponding to the current remittance financial system. The clearing system also supports the inquiry conditions input by the user, wherein the inquiry conditions comprise a registration date interval, a registration serial number, a currency type, an amount, a rest date interval and the like, and the remittance message is inquired.

Wherein the operation flow log table typically records operations and flow records when making funds payments. The remittance registry typically records the various records of the remittance.

In the embodiment, various information can be obtained by registering the information and inquiring according to the inquiry conditions, so that the inquiry of a user or a service person is facilitated, and the processing efficiency is improved.

In one embodiment, the method further comprises:

performing data conversion on the transaction flow data to convert the transaction flow data into a data format which is in accordance with the storage of a storage database;

performing data cleaning on the transaction flow data subjected to data conversion, wherein the data cleaning at least comprises the following steps: sensitive information processing, duplicate removal and invalid information removal, and transaction flow data after data cleaning is stored.

Specifically, a data warehouse (storage database) usually has its own data storage format, and data transmitted by other systems (such as transaction flow data) needs to be converted and then stored. Therefore, data conversion of transaction flow data into a data format conforming to data warehouse storage is required. And then, performing data cleaning on the transaction flow data after data conversion. And the data cleaning comprises sensitive information processing, duplicate removal, invalid information removal and the like, and the accuracy of the warehousing information is ensured. And after data cleaning, storing the transaction flow data to a data warehouse.

In some example embodiments, the GMPS puts the transaction flow data into a designated path through NFT transmission, the data warehouse acquires the transaction flow data from the path at regular time, and performs data storage after data conversion and data cleaning, and the ntf (network Files transfer) pushes a network file.

In one embodiment, as shown in fig. 6-9. The embodiment of the disclosure also provides another data processing method for cross-border fund payment, which includes: four parts, respectively: fund approval, data processing, payment application processing and data storage.

The fund approval comprises the following steps: s602, the user initiates a fund payment application to a bank through a counter or overseas bank, and the process approval system receives the fund payment application. The fund payment application usually includes information such as payment date, remittance amount, receipt currency, account deduction amount, account deduction currency, account deduction date, target account, and debit account.

S604, the process approval system conducts fund payment examination on the information corresponding to the fund payment application, and the fund payment examination at least comprises the following steps: determining a payment date and a withholding date; determining whether the usage, payment amount, receipt currency, account deduction amount and account deduction currency of remittance funds in the fund payment application are reasonable; it is determined whether the status of the target account and the debit account is normal.

S606, when all the capital payment reviews are passed, that is, all the reviews are passed, the service monitoring system generates a service list number (the service list number mentioned in the above embodiment) corresponding to the capital payment application, integrates the information in the capital payment application and the service list number into the capital payment information, and invokes an interface of the clearing system to send the capital payment information to the clearing system.

And S608, in the case that any one of the fund payment reviews fails, the process approval system stops processing the fund payment application.

The data processing comprises the following steps: s610, the clearing system receives fund payment information corresponding to the fund payment application sent by the service supervision system. The fund payment information at least comprises: payment date, remittance amount, receipt currency, deduction amount, deduction currency, deduction date, target account, deduction account and service list number.

S612, checking whether the data format of the fund payment information and/or the content of the fund payment information meet the standard or not to obtain a corresponding checking result.

S614, suspicious transaction analysis and/or blacklist query are carried out at least according to the target account and the payment amount, and corresponding analysis results and/or query results are obtained.

And S616, determining the mode of sending the message data according to the fund payment information.

And S618, matching the information of the financial institution according to the determined mode of sending the message data, and determining a target financial system for receiving the message data and an identification code of the target financial system.

S620, judging whether the checking result, the analysis result and the query result meet the requirements or not, namely determining that the data format of the fund payment information is accurate according to the checking result, determining that the content of the fund payment information is not empty, and determining that the fund payment information is a non-suspicious transaction and a non-blacklist according to the analysis result and/or the query result.

And S622, if the request is satisfied, calculating commission data according to at least the remittance amount and the receipt currency, and determining remittance information according to at least the fund payment information, the commission data and the identification code.

And S624, if the request is not met, outputting error message data or suspicious message data. Further, if the data format of the fund payment information and/or the content of the fund payment information do not meet the standard, outputting error message data. And if the suspicious transaction and/or the blacklist are determined, outputting suspicious message data.

The payment application processing includes: s626, checking whether the time of the fund payment application is in the business hours of the target financial system and the remittance financial system.

And S628, if so, processing the remittance fund information according to the standard of the international fund clearing system to obtain remittance message data.

S630, if not, the fund payment application is processed when waiting for the business time of the target financial system and the business time of the remittance financial system.

And S632, sending the remittance message data to the target financial system through the identification codes of the international fund clearing system and the target financial system. The target financial system processes the fund payment application.

S634, receiving the payment result information output by the target financial system through the international fund clearing system.

And S636, judging whether the payment result information is successful.

And S638, if the payment result information is successful, synchronizing the payment result information to a service monitoring system, and updating the issuing state of the fund payment application by the service monitoring system according to the payment result information and the service list number to wait for a subsequent data storage process.

And S640, if the payment result is not successful, returning to the step S632 to reprocess the fund payment application until the payment result is successful.

The data storage includes: s642, the clearing system determines transaction flow data at least according to the payment amount, the deduction amount, the target account and the deduction account in the remitted fund information.

S644, the clearing system calls a deposit system interface to carry out bookkeeping according to the transaction flow data, the service list numbers and the like.

And S646, the clearing system performs data conversion on the transaction flow data to convert the transaction flow data into a data format which is in accordance with the storage of the storage database.

And S648, the clearing system performs data cleaning on the transaction flow data after data conversion, and the transaction flow data after data cleaning is stored to a designated path through NFT. The data warehouse may periodically obtain transaction flow data from the path. The data cleansing at least comprises: sensitive information processing, deduplication and invalid information removal.

It should be noted that, for specific limitations and implementation in this embodiment, reference may be made to the above-mentioned embodiment, and repeated descriptions are not repeated here.

In an embodiment, as shown in fig. 10, an embodiment of the present disclosure further provides a data processing method for cross-border fund payment, where the method specifically includes: the data processing process of the cross-border fund payment can be regarded as a data processing flow among the user, the flow approval system, the business supervision system, the clearing system, the international fund clearing system and the target financial system.

The user establishes a loan account in the process approval system and initiates a fund payment application. And the process approval system carries out fund payment examination. And after the examination is passed, the service supervision system is notified, and generates a service list number. And sending the fund payment information corresponding to the fund payment application to the clearing system. And the clearing system receives the fund payment information and then performs data processing. The money transfer message data is then assembled according to the standards of the international funds clearing system. And forwarded to the international funds clearing system via the messaging system. The international funds clearing system forwards the remittance message data to the target financial system. And the target financial system processes the fund payment application and outputs payment result information to the international fund clearing system. And the international fund clearing system forwards the payment result information to the clearing system through the message system. And under the condition that the settlement system determines that the payment result information is successful, synchronizing the payment result information to the service supervision system. And the service supervision system updates the issuing state of the fund payment application. The clearing system performs billing processing on the information related to the fund payment application. And after accounting processing, the data are converted and cleaned and then stored in a designated path.

For specific implementation and limitation in this embodiment, reference may be made to the above-mentioned embodiments, and repeated descriptions are not provided herein.

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 limited to being performed in the exact order illustrated and, unless explicitly stated herein, may be performed in other orders. 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 disclosure also provides a data processing device for realizing the cross-border fund payment of the data processing method for cross-border fund payment. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme recorded in the method, so specific limitations in one or more embodiments of the data processing device for cross-border fund payment provided below can be referred to the limitations on the data processing method for cross-border fund payment, and are not described herein again.

In one embodiment, as shown in fig. 11, there is provided a data processing apparatus 1100 for cross-border fund payment, comprising: an information receiving module 1102, a data processing module 1104, a standard processing module 1106 and a data sending module 1108, wherein:

an information receiving module 1102, configured to receive fund payment information corresponding to a fund payment application;

the data processing module 1104 is used for performing data processing on the fund payment information to obtain remitted fund information; the data processing at least comprises: performing data check, data amount analysis and commission charge calculation on the fund payment information;

and a standard processing module 1106, configured to process the remittance fund information according to the standard of the international fund clearing system, to obtain remittance message data.

A data sending module 1108, configured to send the remittance message data to a target financial system through the international fund clearing system, where the remittance message data is used to instruct the target financial system to process the fund payment application.

In one embodiment of the apparatus, the funds payment information includes at least: payment date, remittance amount, receipt currency, deduction amount, deduction currency, deduction date, target account, deduction account and service list number; the data processing module 1104 includes:

and the calculation module is used for calculating the handling charge data at least according to the remittance amount and the charge collection currency.

In one embodiment of the apparatus, the apparatus further comprises: the target financial institution determination module is used for determining a mode for sending message data according to the fund payment information; matching the information of the financial institution according to the determined mode of sending the message data, and determining a target financial system for receiving the message data and an identification code of the target financial system; correspondingly, the data sending module 1108 is further configured to send the remittance message data to the target financial system through the identification codes of the international fund clearing system and the target financial system.

In an embodiment of the apparatus, the data processing module 1104 is further configured to determine remittance information according to at least the funding information, the commission data, and the identification code, in a case where it is determined that the data format of the funding information is accurate, the content of the funding information is not empty, and it is determined that the funding information is not a suspicious transaction and is not a blacklist according to the analysis result and/or the query result.

In one embodiment of the apparatus, the data processing module 1104 further comprises: the first data output module is used for outputting error message data under the condition that the data format of the fund payment information is determined to be inaccurate and/or the fund payment information content is empty according to the check result;

In one embodiment of the apparatus, the apparatus further comprises: an application receiving module for receiving a fund payment application;

a fund review module, configured to perform fund payment review on information corresponding to the fund payment application, where the fund payment review at least includes: determining a payment date and a withholding date; determining whether the usage, payment amount, receipt currency, deduction amount and deduction currency of remittance funds in the fund payment application are reasonable; determining whether the states of the target account and the deduction account are normal or not;

In one embodiment of the apparatus, the billing processing module comprises: the state updating module is used for updating the issuing state of the fund payment application according to the payment result information and the service list number under the condition that the payment result information is successful;

In one embodiment of the apparatus, the apparatus further comprises: the conversion cleaning module is used for carrying out data conversion on the transaction flow data to convert the transaction flow data into a data format which accords with the storage of a storage database; performing data cleaning on the transaction flow data subjected to data conversion, and storing the transaction flow data subjected to data cleaning, wherein the data cleaning at least comprises the following steps: sensitive information processing, deduplication and invalid information removal.

The various modules in the data processing apparatus for cross-border fund payment may be implemented in whole or in part 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 server, and the internal structure thereof may be as shown in fig. 12. The computer device includes a processor, a memory, and a network interface 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 includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The database of the computer device is used for storing fund payment information, remittance message data, remittance fund information and the like. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a data processing method for cross-border fund payment.

Those skilled in the art will appreciate that the architecture shown in fig. 12 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.

In an embodiment, a computer device is provided, comprising a memory and a processor, the memory having stored therein a computer program, the processor implementing the steps of the above method embodiments when executing the computer program.

In an embodiment, a computer-readable storage medium is provided, on which a computer program is stored, which computer program, when being executed by a processor, carries out the steps of the above-mentioned method embodiments.

In an embodiment, a computer program product is provided, comprising a computer program which, when executed by a processor, carries out the steps in the method embodiments described above.

It should be noted that the fund payment information (including payment date, remittance amount, receipt currency, deduction amount, deduction currency, deduction date, destination account, deduction account, etc.), remittance fund information, identification code, etc. related to the present disclosure are information 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, databases, or other media used in the embodiments provided by the present disclosure 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 involved in embodiments provided by the present disclosure 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 in this disclosure may be general purpose processors, central processing units, graphics processors, digital signal processors, programmable logic, quantum computing based data processing logic, 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 disclosure, and the description thereof is more specific and detailed, but not construed as limiting the scope of the present disclosure. It should be noted that, for those skilled in the art, various changes and modifications can be made without departing from the concept of the present disclosure, and these changes and modifications are all within the scope of the present disclosure. Therefore, the protection scope of the present disclosure should be subject to the appended claims.

Claims

1. A method of data processing for cross-border funding, the method comprising:

processing the remittance fund information according to the standard of the international fund clearing system to obtain remittance message data;

2. The method of claim 1, wherein the funds payment information includes at least: payment date, remittance amount, receipt currency, deduction amount, deduction currency, deduction date, target account, deduction account and service list number; the data processing of the fund payment information comprises:

3. The method of claim 2, wherein prior to processing the remittance funds information according to the international funds clearance system standard to obtain remittance message data, the method further comprises:

4. The method of claim 3, wherein the data processing of the funds payment information to obtain remitted funds information comprises:

and determining remitted fund information according to at least the fund payment information, the commission fee data and the identification code under the conditions that the data format of the fund payment information is determined to be accurate according to the inspection result, the content of the fund payment information is not empty, and non-suspicious transactions and non-blacklists are determined according to the analysis result and/or the query result.

5. The method of claim 4, further comprising:

under the condition that the data format of the fund payment information is determined to be inaccurate and/or the fund payment information content is empty according to the checking result, outputting error message data;

6. The method of claim 3, wherein after determining the target financial institution that received the message data and the identification code of the target financial institution, the method further comprises:

7. The method of claim 2, wherein prior to receiving the fund payment information corresponding to the fund payment application, the method comprises:

receiving a fund payment application;

and performing fund payment examination on the information corresponding to the fund payment application, wherein the fund payment examination at least comprises the following steps: determining a payment date and a withholding date; determining whether the usage, payment amount, receipt currency, account deduction amount and account deduction currency of remittance funds in the fund payment application are reasonable; determining whether the states of the target account and the deduction account are normal;

8. The method of claim 2, further comprising: and receiving the payment result information output by the target financial system through the international fund clearing system, and carrying out bookkeeping according to the payment result information and the remitted fund information.

9. The method of claim 6, wherein receiving the payment result information via the international funds clearing system, and billing based on the payment result information and the remitted funds information comprises:

accounting is carried out according to the transaction flow data;

10. The method of claim 9, further comprising:

11. A data processing apparatus for cross-border funding, the apparatus comprising:

the standard processing module is used for processing the remittance fund information according to the standard of the international fund clearing system to obtain remittance message data;

12. The apparatus of claim 11, wherein the funds payment information comprises at least: payment date, remittance amount, receipt currency, deduction amount, deduction currency, deduction date, target account, deduction account and service list number; the data processing module comprises:

13. The apparatus of claim 11, further comprising: the target financial institution determination module is used for determining a mode for sending message data according to the fund payment information; matching the information of the financial institution according to the determined mode of sending the message data, and determining a target financial system for receiving the message data and an identification code of the target financial system; correspondingly, the data sending module is further configured to send the remittance message data to the target financial system through the identification codes of the international fund clearing system and the target financial system.

14. The apparatus according to claim 13, wherein the data processing module is further configured to determine remittance information according to at least the funding information, the commission data, and the identification code, in case that it is determined that the data format of the funding information is accurate according to the inspection result, the content of the funding information is not empty, and it is determined that the funding information is not suspicious transaction and is not blacklisted according to the analysis result and/or the query result.

15. The apparatus of claim 11 or 14, wherein the data processing module further comprises: the first data output module is used for outputting error message data under the condition that the data format of the fund payment information is determined to be inaccurate and/or the fund payment information content is empty according to the check result;

16. The apparatus of claim 11, further comprising: the application receiving module is used for receiving a fund payment application;

17. The apparatus of claim 12, further comprising: and the accounting processing module is used for receiving the payment result information output by the target financial system through the international fund clearing system and accounting according to the payment result information and the remitted fund information.

18. The apparatus of claim 17, wherein the billing processing module comprises: the state updating module is used for updating the issuing state of the fund payment application according to the payment result information and the service list number under the condition that the payment result information is successful;

and the feedback module is used for feeding back first information to the target financial system under the condition that the payment result information is failure, wherein the first information is used for indicating the target financial system to reprocess the fund payment application.

19. The apparatus of claim 18, further comprising: the conversion cleaning module is used for carrying out data conversion on the transaction flow data to convert the transaction flow data into a data format which is in accordance with the storage of a storage database; performing data cleaning on the transaction flow data subjected to data conversion, and storing the transaction flow data subjected to data cleaning, wherein the data cleaning at least comprises the following steps: sensitive information processing, deduplication and invalid information removal.

20. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor realizes the steps of the method of any one of claims 1 to 10 when executing the computer program.

21. 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 10.

22. 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 10 when executed by a processor.