CN115099970A - Transaction information automatic processing method and device - Google Patents

Transaction information automatic processing method and device Download PDF

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Publication number
CN115099970A
CN115099970A CN202210736444.6A CN202210736444A CN115099970A CN 115099970 A CN115099970 A CN 115099970A CN 202210736444 A CN202210736444 A CN 202210736444A CN 115099970 A CN115099970 A CN 115099970A
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information
transaction
customer
basic
transaction type
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陈恭泳
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Bank of China Ltd
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Bank of China Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/381—Currency conversion
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
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  • Technology Law (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention provides a method and a device for automatically processing transaction information, which can be used in the financial field or other fields. The method comprises the following steps: acquiring basic customer information sent by a customer, and acquiring customer transaction information authorized by the customer according to the basic customer information; determining a transaction type corresponding to the basic information of the customer according to the transaction information of the customer by using a preset transaction type model; and carrying out transaction processing according to the transaction type and the basic information of the customer to obtain a transaction result. The invention judges the transaction type of the customer through the basic information of the customer, thereby guiding the customer to select the proper transaction type according to the self condition, greatly improving the transaction success rate and the customer experience, reducing the complaint pressure and saving the labor cost.

Description

Automatic transaction information processing method and device
Technical Field
The present invention relates to the field of transaction processing technologies, and in particular, to a method and an apparatus for automatically processing transaction information.
Background
At present, the user quantity, the transaction quantity and the transaction amount of the medium-priced banks abroad are continuously and rapidly increased. Overseas transaction scenes are many, and many countries have own characteristic remittances. Thus, money transfers by overseas users are more complex and more difficult to operate than domestically.
Taking remittance as an example, an electronic bank customer remittance is to fill out recipient information and to explicitly select a remittance type, such as in-line transfer, other lines in the country, SEPA, international remittance, etc., which is sometimes a challenge for the customer and the customer is likely to be unable to accurately select the remittance type. When the information is submitted, the bank will settle the money transfer type selected by the customer, which may eventually result in a transaction failure and a poor experience.
Disclosure of Invention
Aiming at the problems in the prior art, the embodiments of the present invention mainly aim to provide a method and an apparatus for automatically processing transaction information, so as to improve the transaction success rate and the customer experience.
In order to achieve the above object, an embodiment of the present invention provides an automatic transaction information processing method, where the method includes:
acquiring basic customer information sent by a customer, and acquiring customer transaction information authorized by the customer according to the basic customer information;
determining a transaction type corresponding to the basic information of the customer according to the transaction information of the customer by using a preset transaction type model;
and carrying out transaction processing according to the transaction type and the basic information of the customer to obtain a transaction result.
Optionally, in an embodiment of the present invention, the client basic information includes: transferor information and transferee information.
Optionally, in an embodiment of the present invention, the customer transaction information includes: remitter account opening information, payee account opening information and transaction currency information.
Optionally, in an embodiment of the present invention, determining, by using a preset transaction type model and according to the customer transaction information, a transaction type corresponding to the customer basic information includes:
matching the sender account opening information, the receiver account opening information and the transaction currency information by using a preset transaction type model, and determining cross-border transaction information;
and determining a transaction type corresponding to the basic information of the customer according to the transaction cross-border information.
The embodiment of the invention also provides a device for automatically processing the transaction information, which comprises:
the transaction information module is used for acquiring basic customer information sent by a customer and acquiring customer transaction information authorized by the customer according to the basic customer information;
the transaction type module is used for determining a transaction type corresponding to the basic information of the customer according to the transaction information of the customer by using a preset transaction type model;
and the transaction processing module is used for performing transaction processing according to the transaction type and the basic information of the customer to obtain a transaction result.
Optionally, in an embodiment of the present invention, the client basic information includes: transferor information and transferee information.
Optionally, in an embodiment of the present invention, the customer transaction information includes: remitter account opening information, payee account opening information and transaction currency information.
Optionally, in an embodiment of the present invention, the transaction type module includes:
the cross-border information unit is used for matching the account opening information of the sender, the account opening information of the payee and the transaction currency information by using a preset transaction type model to determine transaction cross-border information;
and the transaction type unit is used for determining the transaction type corresponding to the basic information of the customer according to the transaction cross-border information.
The invention also provides an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method when executing the program.
The present invention also provides a computer-readable storage medium storing a computer program for executing the above method.
The invention judges the transaction type of the customer through the basic information of the customer, thereby guiding the customer to select the proper transaction type according to the self condition, greatly improving the transaction success rate and the customer experience, reducing the complaint pressure and saving the labor cost.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the description below are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained based on these drawings without creative efforts.
FIG. 1 is a flow chart of a method for automatically processing transaction information according to an embodiment of the present invention;
FIG. 2 is a flow chart of determining a transaction type in an embodiment of the present invention;
FIG. 3 is a flow diagram of automated processing of transaction information in accordance with an embodiment of the present invention;
FIG. 4 is a schematic diagram of a system architecture for applying the method for automatically processing transaction information according to an embodiment of the present invention;
FIG. 5 is a flow diagram of transaction processing in an embodiment of the invention;
FIG. 6 is a schematic diagram of an automatic transaction information processing device according to an embodiment of the present invention;
FIG. 7 is a block diagram of a transaction type module according to an embodiment of the invention;
fig. 8 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
The embodiment of the invention provides a method and a device for automatically processing transaction information, which can be used in the financial field and other fields.
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be obtained by a person skilled in the art without inventive step based on the embodiments of the present invention, are within the scope of protection of the present invention.
Fig. 1 is a flowchart illustrating an automatic transaction information processing method according to an embodiment of the present invention, where an execution subject of the automatic transaction information processing method provided by the embodiment of the present invention includes, but is not limited to, a computer. The invention judges the transaction type of the customer through the basic information of the customer, thereby guiding the customer to select the proper transaction type according to the self condition, greatly improving the transaction success rate and the customer experience, reducing the complaint pressure and saving the labor cost. The method shown in the figure comprises the following steps:
step S1, obtaining the basic information of the client sent by the client, and obtaining the transaction information of the client authorized by the client according to the basic information of the client;
step S2, determining the transaction type corresponding to the basic information of the customer according to the transaction information of the customer by using a preset transaction type model;
and step S3, processing the transaction according to the transaction type and the basic information of the client to obtain the transaction result.
As an embodiment of the present invention, the client basic information includes: transferor information and transferee information. The basic information of the customer, such as remitter personal information, recipient personal information, account information, and the like, filled by the customer, may be specifically national information and the like.
Further, according to the basic information of the customer, for example, the account information of the customer, after the customer is authorized, the customer transaction information corresponding to the account information is obtained.
As one embodiment of the invention, the customer transaction information includes: remitter account opening information, payee account opening information and transaction currency information.
The remitter account opening information and the payee account opening information can determine whether the transaction is a cross-border transaction, and the cross-border transaction type can be accurately determined by combining transaction currencies. The transaction types may include intra-line remittance, intra-country remittance, international remittance, etc.
Further, after determining the transaction type of the customer, the transaction type is provided to the customer. And receiving other transaction information submitted by the customer, such as remittance amount and the like, thereby completing the transaction and obtaining a transaction result. Specifically, the transaction result may be a successful money transfer or a failed money transfer, and the transaction result is returned to the customer.
In this embodiment, as shown in fig. 2, determining the transaction type corresponding to the customer basic information according to the customer transaction information by using a preset transaction type model includes:
step S21, matching the account opening information of the sender, the account opening information of the receiver and the transaction currency information by using a preset transaction type model to determine cross-border transaction information;
and step S22, determining the transaction type corresponding to the basic information of the client according to the transaction cross-border information.
The preset transaction type model is established through a bank international Code SWIFT Code (member banks have own specific codes). Specifically, the 1 st to 4 th positions of the bank international Code SWIFT Code are bank codes, the 5 th to 6 th positions of the bank international Code SWIFT Code are country codes, and the 7 th to 8 th positions of the bank international Code SWIFT Code are area codes, so that a model of meaning represented by the bank international Code, namely a transaction type model, is obtained.
Further, according to the account opening information of the sender, the account opening information of the receiver and the transaction currency information, the international codes of the bank are matched to determine the cross-border transaction information, namely whether the cross-border transaction is the cross-border transaction and the cross-border transaction information is determined by the international codes of the bank. And determining a transaction type corresponding to the basic information of the customer according to the transaction cross-border information, wherein the transaction type is a sepa remittance type.
In an embodiment of the present invention, taking money transfer as an example, existing money transfer requires the customer to specify the type of money transfer, which increases the cost of the customer's operation, and the type of money transfer the customer may choose is not optimal or optimal, resulting in a poor user experience. The invention automatically calculates the type of the remittance, provides clear description for the customer for selection when various choices exist, greatly improves the success rate of the transfer and the customer experience, reduces complaints to banks and lowers the communication cost of the banks to the customers.
In the case of overseas electronic bank remittance, the customer is required to actively select the remittance type, and sometimes the customer does not know what type should be selected, resulting in a remittance failure. Before remittance, the invention first tries to calculate remittance type for the client for reference and selection.
Specifically, as shown in fig. 3, the process of calculating the remittance type is tried out based on the information of the receiver and the payer inputted by the client. The method specifically comprises the following steps: the national information and bank information of the receiver and the payer are judged according to the bank international Code SWIFT Code (the member bank has a specific Code), and whether the remittance is in accordance with the sepa remittance in the Euro district or not is judged according to the remittance currency, and finally, the remittance type which can be selected is presented to the client.
Wherein, 1 st to 4 th digits of SWIFT Code are bank Code, 5 th to 6 th digits of country Code, and 7 th to 8 th digits of area Code. At present, thirty Sepa member countries have more than thirty Sepa member countries, and related data information is stored in a bank background.
Specifically, for example, the payer opens an account with the country division of the chinese bank a, the SWIFT Code is BKCHDEFF, the payee opens an account with the country division of the chinese bank b, the SWIFT Code is BKCHBEBB, and the transferred currency is EUR. According to the country Code of the receipt and payment SWIFT Code, the payer account opening bank is in Germany, when the payee account opening bank is in Belgium, the receipt and payment account opening bank belongs to different countries, the countries of the receipt and payment account opening bank are all sepa member countries, the remittance currency is Euro, therefore, the type of the remittance accords with the sepa remittance, and the client is prompted that the remittance should select the sepa remittance.
Specifically, for example, the payer opens an account in the third division of the chinese bank, where SWIFT Code is BKCHMYKL, the payee opens an account in the third division of the chinese bank, where SWIFT Code is BKCHSGSG, and the transferred currency is singapore SGD. According to the country Code of the receipt and payment SWIFT Code, the receipt and payment opening bank belongs to different countries, and the country of the receipt and payment opening bank is not a sepa member country, so that the international remittance type is met, and the client is prompted that the remittance should be selected for international remittance.
Further, the customer refers to the transaction type, selects the corresponding remittance type, and initiates the actual remittance transaction after supplementing the relevant information, and the remittance transaction process is the existing process and is not detailed.
In an embodiment of the present invention, taking remittance as an example, fig. 4 is a schematic structural diagram of a system applying an automatic transaction information processing method in an embodiment of the present invention, and fig. 5 is a flowchart of a system in the present invention. Wherein, the data receiving module: and receiving information of the payer and the payee. A data analysis module: and analyzing the remittance types of the payer and the receiver. A data sending module: the calculated money transfer type is sent to the customer. A data receiving module: and receiving complete transaction information submitted by the client. The transfer transaction module is used for: the bank transfers money. A data sending module: and returning the transaction result to the client.
The system automatically judges the remittance type of the remittance of the customer only by filling the information of the receiver, and guides the customer to select the proper remittance type according to the self condition, thereby greatly improving the success rate of the transfer and the customer experience and reducing the bank complaint pressure. The payer is a bank client, and after the client fills in the information of the payee, the method calculates in the background of the bank according to SWIFT Code, transferred currency and other information of the payer and the payee opening bank to obtain the type of the remittance.
The invention judges the transaction type of the customer through the basic information of the customer, thereby guiding the customer to select the proper transaction type according to the self condition, greatly improving the transaction success rate and the customer experience, reducing the complaint pressure and saving the labor cost.
Fig. 6 is a schematic structural diagram of an automatic transaction information processing device according to an embodiment of the present invention, where the device includes:
the transaction information module 10 is used for acquiring basic customer information sent by a customer and acquiring customer transaction information authorized by the customer according to the basic customer information;
a transaction type module 20, configured to determine, according to the customer transaction information, a transaction type corresponding to the customer basic information by using a preset transaction type model;
and the transaction processing module 30 is used for performing transaction processing according to the transaction type and the basic information of the customer to obtain a transaction result.
The basic information of the customer, such as remitter personal information, recipient personal information, account information, and the like, filled by the customer, may be specifically national information and the like.
Further, according to the basic information of the customer, for example, the account information of the customer, after the customer is authorized, the customer transaction information corresponding to the account information is obtained.
The remitter account opening information and the payee account opening information can determine whether the transaction is a cross-border transaction, and the cross-border transaction type can be accurately determined by combining transaction currencies. The transaction types may include intra-line remittance, intra-country remittance, international remittance, etc.
Further, after determining the transaction type of the customer, the transaction type is provided to the customer. And receiving other transaction information submitted by the customer, such as remittance amount and the like, thereby completing the transaction and obtaining a transaction result. Specifically, the transaction result may be a successful money transfer or a failed money transfer, and the transaction result is returned to the customer.
As an embodiment of the present invention, the client basic information includes: transferor information and transferee information.
As an embodiment of the invention, the customer transaction information includes: remitter account opening information, payee account opening information and transaction currency information.
In the present embodiment, as shown in fig. 7, the transaction type module 20 includes:
a cross-border information unit 21, configured to match remitter account opening information, payee account opening information, and transaction currency information by using a preset transaction type model, and determine transaction cross-border information;
and the transaction type unit 22 is used for determining a transaction type corresponding to the basic information of the customer according to the transaction cross-border information.
Based on the same application concept as the automatic transaction information processing method, the invention also provides the automatic transaction information processing device. Because the principle of solving the problems of the automatic transaction information processing device is similar to that of the automatic transaction information processing method, the implementation of the automatic transaction information processing device can refer to the implementation of the automatic transaction information processing method, and repeated parts are not described again.
The invention judges the transaction type of the customer through the basic information of the customer, thereby guiding the customer to select the proper transaction type according to the self condition, greatly improving the transaction success rate and the customer experience, reducing the complaint pressure and saving the labor cost.
The invention also provides an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method when executing the program.
The present invention also provides a computer-readable storage medium storing a computer program for executing the above method.
As shown in fig. 8, the electronic device 600 may further include: communication module 110, input unit 120, audio processing unit 130, display 160, power supply 170. It is noted that the electronic device 600 does not necessarily include all of the components shown in FIG. 8; furthermore, the electronic device 600 may also comprise components not shown in fig. 8, which may be referred to in the prior art.
As shown in fig. 8, the central processor 100, sometimes referred to as a controller or operation control, may include a microprocessor or other processor device and/or logic device, the central processor 100 receiving input and controlling the operation of the various components of the electronic device 600.
The memory 140 may be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information relating to the failure may be stored, and a program for executing the information may be stored. And the central processing unit 100 may execute the program stored in the memory 140 to realize information storage or processing, etc.
The input unit 120 provides input to the cpu 100. The input unit 120 is, for example, a key or a touch input device. The power supply 170 is used to provide power to the electronic device 600. The display 160 is used to display an object to be displayed, such as an image or a character. The display may be, for example, but is not limited to, an LCD display.
The memory 140 may be a solid state memory such as Read Only Memory (ROM), Random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 140 may also be some other type of device. Memory 140 includes buffer memory 141 (sometimes referred to as a buffer). The memory 140 may include an application/function storage section 142, and the application/function storage section 142 is used to store application programs and function programs or a flow for executing the operation of the electronic device 600 by the central processing unit 100.
The memory 140 may also include a data store 143, the data store 143 for storing data, such as contacts, digital data, pictures, sounds, and/or any other data used by the electronic device. The driver storage portion 144 of the memory 140 may include various drivers of the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging application, address book application, etc.).
The communication module 110 is a transmitter/receiver 110 that transmits and receives signals via an antenna 111. The communication module (transmitter/receiver) 110 is coupled to the central processor 100 to provide an input signal and receive an output signal, which may be the same as in the case of a conventional mobile communication terminal.
Based on different communication technologies, a plurality of communication modules 110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same electronic device. The communication module (transmitter/receiver) 110 is also coupled to a speaker 131 and a microphone 132 via an audio processor 130 to provide audio output via the speaker 131 and receive audio input from the microphone 132 to implement general telecommunications functions. Audio processor 130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, an audio processor 130 is also coupled to the central processor 100, so that recording on the local can be enabled through a microphone 132, and so that sound stored on the local can be played through a speaker 131.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The principle and the implementation mode of the invention are explained by applying specific embodiments in the invention, and the description of the embodiments is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, the specific embodiments and the application range may be changed, and in summary, the content of the present specification should not be construed as a limitation to the present invention.

Claims (10)

1. A transaction information automatic processing method is characterized by comprising the following steps:
obtaining basic customer information sent by a customer, and obtaining customer transaction information authorized by the customer according to the basic customer information;
determining a transaction type corresponding to the basic information of the customer according to the transaction information of the customer by using a preset transaction type model;
and carrying out transaction processing according to the transaction type and the basic information of the customer to obtain a transaction result.
2. The method of claim 1, wherein the client basic information comprises: transferor information and transferee information.
3. The method of claim 1, wherein the customer transaction information comprises: remitter account opening information, payee account opening information and transaction currency information.
4. The method of claim 3, wherein determining the transaction type corresponding to the customer base information according to the customer transaction information using a preset transaction type model comprises:
matching the sender account opening information, the receiver account opening information and the transaction currency information by using a preset transaction type model to determine transaction cross-border information;
and determining a transaction type corresponding to the basic information of the customer according to the transaction cross-border information.
5. An apparatus for automatically processing transaction information, the apparatus comprising:
the transaction information module is used for acquiring basic customer information sent by a customer and acquiring customer transaction information authorized by the customer according to the basic customer information;
the transaction type module is used for determining a transaction type corresponding to the basic information of the customer according to the transaction information of the customer by using a preset transaction type model;
and the transaction processing module is used for performing transaction processing according to the transaction type and the basic information of the customer to obtain a transaction result.
6. The apparatus of claim 5, wherein the client basic information comprises: transferor information and transferee information.
7. The apparatus of claim 5, wherein the customer transaction information comprises: remitter account opening information, payee account opening information and transaction currency information.
8. The apparatus of claim 7, wherein the transaction type module comprises:
the cross-border information unit is used for matching the remitter account opening information, the payee account opening information and the transaction currency information by using a preset transaction type model to determine transaction cross-border information;
and the transaction type unit is used for determining the transaction type corresponding to the basic information of the customer according to the transaction cross-border information.
9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 4 when executing the computer program.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 4.
CN202210736444.6A 2022-06-27 2022-06-27 Transaction information automatic processing method and device Pending CN115099970A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112184422A (en) * 2020-09-28 2021-01-05 金蝶软件（中国）有限公司 Transaction method and related equipment

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN112184422A (en) * 2020-09-28 2021-01-05 金蝶软件（中国）有限公司 Transaction method and related equipment

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