CN116645093A

CN116645093A - Bank cross-border remittance processing method, device, equipment and storage medium

Info

Publication number: CN116645093A
Application number: CN202310621485.5A
Authority: CN
Inventors: 常志远
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2023-05-29
Filing date: 2023-05-29
Publication date: 2023-08-25

Abstract

The application provides a method, a device, equipment and a storage medium for processing cross-border remittance of a bank, which can be used in the financial field or other fields. The method comprises the following steps: receiving a public cross-border money transfer request sent by a target service system through a target API interface in a plurality of API interfaces, wherein the public cross-border money transfer request comprises: the target business system comprises cross-border money transfer application data of a target business demand party and target cross-border money transfer information. And auditing the cross-border money transfer application data according to the public cross-border money transfer auditing processing flow corresponding to the target API interface. And after the cross-border remittance application data is checked and passed, the target cross-border remittance information is sent to a remittance system to carry out cross-border remittance processing. The method of the application can receive the request of the money transfer business demand side for public cross-border money transfer and automatically audit the cross-border money transfer application data, thereby improving the handling efficiency of the cross-border money transfer business and reducing the labor cost of banks.

Description

Bank cross-border remittance processing method, device, equipment and storage medium

Technical Field

The present application relates to the financial field or other fields, and in particular, to a method, an apparatus, a device, and a storage medium for processing a cross-border money transfer in a bank.

Background

Cross-border payment refers to the process of conducting monetary transactions and funds transfers between different. It has very important meaning for enterprises, cross-border payment can help enterprises to obtain benefits faster in international markets, and can improve the competitiveness of enterprises in global markets. Currently, when a money transfer service requiring party needs to transfer money to a public border, the money transfer service needs to go to a website of a bank to conduct manual handling, and application data (such as data of a contract, an invoice, a customs clearance and the like) related to the public border money transfer is submitted to a bank counter, and after the application data is manually checked by a counter service personnel of the bank website, a money transfer system is operated to realize the public border money transfer service.

However, the cross-border money transfer service is more limited by the policy, the cross-border money transfer path is longer, the handling time of the cross-border money transfer service is longer due to manual handling, and the handling efficiency is lower. Therefore, how to improve the transaction efficiency of the cross-border money transfer service is a problem to be solved.

Disclosure of Invention

The application provides a method, a device, equipment and a storage medium for processing cross-border remittance of a bank, which are used for solving the problem of how to improve the handling efficiency of the cross-border remittance service.

In a first aspect, the present application provides a method for processing a bank cross-border money transfer, where the method is applied to a bank cross-border money transfer processing system, where the bank cross-border money transfer processing system includes a plurality of API interfaces, and a plurality of cross-border money transfer processing flows, each of the API interfaces corresponds to a cross-border money transfer auditing processing flow, and each of the API interfaces is used for connecting with a service system of at least one money transfer service demander; the method comprises the following steps:

receiving a public cross-border remittance request sent by a target service system through a target API interface in the multiple API interfaces; the request for public cross-border money transfer includes: the target business system comprises cross-border money transfer application data of a target business demand party and target cross-border money transfer information;

according to the public cross-border money transfer auditing processing flow corresponding to the target API interface, auditing the cross-border money transfer application data;

and after the cross-border money transfer application data is approved, the target cross-border money transfer information is sent to a money transfer system to carry out cross-border money transfer processing.

Optionally, the auditing process for the cross-border money transfer application data according to the process flow for auditing the public cross-border money transfer corresponding to the target API interface includes:

Authenticating the target business demand party to determine whether the target business demand party has authority to remit money to a bank to which the payee belongs;

after authentication is passed, extracting information to be audited from the cross-border money transfer application data according to information required by the public cross-border money transfer auditing processing flow corresponding to the target API interface;

and auditing the extracted information to be audited according to the public cross-border money transfer auditing processing flow corresponding to the target API interface.

Optionally, the auditing processing of the extracted information to be audited according to the public-cross-border money transfer auditing processing flow corresponding to the target API interface includes:

determining auditing roles corresponding to links in a public cross-border money transfer auditing processing flow corresponding to the target API interface and information needing to be audited by the auditing roles in the information to be audited;

pushing information required to be audited to the client of the audit role;

receiving an audit result returned by the audit role through the client;

and when the auditing results of all auditing roles are auditing passing, determining that the cross-border remittance application data auditing passes.

Optionally, after the cross-border money transfer application data is audited according to the public cross-border money transfer auditing process flow corresponding to the target API interface, the method further includes:

If the cross-border money transfer application data auditing fails, determining the data to be re-submitted and/or the data to be supplemented;

sending a cross-border money transfer application data supplementing request to the target service system through the target API interface, wherein the supplementing request comprises the following components: information of the material to be resubmitted and/or the material to be replenished;

if the data fed back by the target business system through the target API interface is received, auditing the fed back data according to a public cross-border money transfer auditing processing flow corresponding to the target API interface;

if the verification is passed, the target cross-border remittance information is sent to a remittance system to carry out cross-border remittance processing;

and if the audit fails, sending the refusal response to the public cross-border remittance request to the target service system through the target API interface.

Optionally, before the receiving the public cross-border remittance request sent by the target service system through the target API interface of the multiple API interfaces, the method further includes:

receiving a cross-border money transfer trial calculation request sent by the target service system through the target API interface; the cross-border money transfer trial calculation request includes: information of the bank to which the payee belongs;

Determining at least one cross-border money transfer recommended information according to the information of the bank to which the cross-border money transfer processing system belongs, the information of the bank to which the payee belongs and a cross-border money transfer information table in a database, wherein the recommended information comprises: cross-border money transfer channels, fee information, and billing timeliness information;

sending the at least one cross-border money transfer recommendation information to the target service system through the target API interface so that the target service system generates the target cross-border money transfer information according to the at least one cross-border money transfer recommendation information; the target cross-border money transfer information includes: a target cross-border money transfer channel determined based on the at least one cross-border money transfer recommendation information.

receiving a query request of data required by cross-border remittance sent by the target service system through the target API interface; the query request includes: cross-border money transfer usage;

acquiring a cross-border money transfer application data list required by cross-border money transfer according to the cross-border money transfer application and the mapping relation between the cross-border money transfer application and the required cross-border money transfer application data;

And sending the bill of materials to the target service system through the target API interface so that the target service system applies for the bill of materials according to the cross-border remittance.

Optionally, the method further comprises:

receiving a money transfer progress query request of the public cross-border money transfer request sent by the target service system through the target API interface;

acquiring the remittance progress and remittance state of the target cross-border remittance information from the remittance system;

generating a remittance progress report according to the remittance progress and the remittance state;

and sending the remittance progress report to the target service system through the target API interface.

In a second aspect, the present application provides a bank cross-border money transfer processing apparatus, the apparatus being applied to a bank cross-border money transfer processing system, the bank cross-border money transfer processing system including a plurality of API interfaces, and a plurality of cross-border money transfer processing flows, each of the API interfaces corresponding to a cross-border money transfer auditing processing flow, and each of the API interfaces being configured to connect with a business system of at least one money transfer business demander, the apparatus comprising:

the receiving module is used for receiving a public cross-border remittance request sent by the target service system through a target API interface in the multiple API interfaces; the request for public cross-border money transfer includes: the target business system comprises cross-border money transfer application data of a target business demand party and target cross-border money transfer information;

The processing module is used for auditing and processing the cross-border money transfer application data according to the public cross-border money transfer auditing and processing flow corresponding to the target API interface;

and the sending module is used for sending the target cross-border remittance information to a remittance system for cross-border remittance processing after the cross-border remittance application data passes the audit.

In a third aspect, the present application provides an electronic device comprising: a processor, a communication interface, and a memory; the processor is respectively in communication connection with the communication interface and the memory;

the memory stores computer-executable instructions;

the communication interface performs communication interaction with external equipment;

the processor executes computer-executable instructions stored by the memory to implement the method of any one of the first aspects.

In a fourth aspect, the present application provides a computer-readable storage medium having stored therein computer-executable instructions which, when executed by a processor, are adapted to carry out a method of bank cross-border money transfer processing according to any of the first aspects.

In a fifth aspect, the present application provides a computer program product for implementing a method of bank cross-border money transfer processing according to any of the first aspects when executed by a processor.

According to the bank cross-border money transfer processing method, device, equipment and storage medium, the bank cross-border money transfer processing system is established and is connected with the business system of the money transfer business demand party through the API interface, so that the money transfer business demand party can send a public cross-border money transfer request to the bank cross-border money transfer processing system through the business system, submit cross-border money transfer application data, and the bank cross-border money transfer processing system can receive the public cross-border money transfer request of the money transfer business demand party and automatically check the cross-border money transfer application data, thereby improving the handling efficiency of the cross-border money transfer business and reducing the labor cost of the bank.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the application and together with the description, serve to explain the principles of the application.

Fig. 1 is a schematic view of a scenario of a method for processing a cross-border money transfer of a bank according to an embodiment of the present application;

FIG. 2 is a schematic flow chart of a method for processing a cross-border money transfer in a bank according to an embodiment of the present application;

FIG. 3 is a schematic flow chart of another method for processing a cross-border money transfer in a bank according to an embodiment of the present application;

FIG. 4 is a schematic flow chart of another cross-border money transfer processing method of a bank according to an embodiment of the present application;

FIG. 5 is a schematic flow chart of another method for processing a cross-border money transfer in a bank according to an embodiment of the present application;

FIG. 6 is a schematic flow chart of a method for processing a cross-border money transfer in a bank according to an embodiment of the present application;

FIG. 7 is a schematic flow chart of a method for processing a cross-border money transfer in a bank according to an embodiment of the present application;

fig. 8 is a schematic structural diagram of a cross-border money transfer processing device for banks according to an embodiment of the present application;

fig. 9 is a schematic structural diagram of an electronic device according to an embodiment of the present application.

Specific embodiments of the present application have been shown by way of the above drawings and will be described in more detail below. The drawings and the written description are not intended to limit the scope of the inventive concepts in any way, but rather to illustrate the inventive concepts to those skilled in the art by reference to the specific embodiments.

Detailed Description

Reference will now be made in detail to exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numbers in different drawings refer to the same or similar elements, unless otherwise indicated. The implementations described in the following exemplary examples do not represent all implementations consistent with the application. Rather, they are merely examples of apparatus and methods consistent with aspects of the application as detailed in the accompanying claims.

It should be noted that, the user information (including but not limited to user equipment information, user personal information, etc.) and the data (including but not limited to data for analysis, stored data, presented data, etc.) related to the present application are information and data authorized by the user or fully authorized by each party, and the collection, use and processing of the related data need to comply with related laws and regulations and standards, and provide corresponding operation entries for the user to select authorization or rejection.

With the continuous acceleration of globalization process, more and more enterprises start to expand business to international markets, and cross-border payment also becomes an indispensable part. Cross-border payment refers to the process of conducting monetary transactions and funds transfers between different. It has very important meaning for enterprises, cross-border payment can help enterprises to obtain benefits faster in international markets, and can improve the competitiveness of enterprises in global markets.

Currently, when a money transfer service requiring party (such as an enterprise or a financial institution) needs to transfer money to a public place, a website going to a bank is required to conduct manual handling, and application data (such as data of a contract, an invoice, a customs clearance, etc.) related to the money transfer to the public place are submitted to a bank counter according to the requirement of the bank website on the money transfer to the public place, and counter service personnel of the bank website conduct the money transfer service to the public place. However, the cross-border money transfer business is more limited by policies, the cross-border money transfer path is longer, the business processes of checking application data, calculating the cross-border money transfer path and operating the money transfer system to realize money transfer are longer, the money transfer efficiency is lower, and the labor cost is higher. Under the condition of low efficiency of manually processing remittance, the emergency requirement of the remittance service demander cannot be met. In addition, when there is an urgent cross-border money transfer demand from a money transfer service demander, if the money transfer service demander is just in abnormal working time of a banking website, the public cross-border money transfer service cannot be transacted through the bank counter. Therefore, how to improve the transaction efficiency of the cross-border money transfer service is a problem to be solved.

In view of this, the present application provides a method for processing a bank cross-border money transfer, which establishes a bank cross-border money transfer processing system and connects with a business system of a money transfer business demand party through an application programming interface (Application Programming Interface, API), so that the money transfer business demand party can send a request for a public cross-border money transfer to the bank cross-border money transfer processing system through the business system, submit a cross-border money transfer application data, and the bank cross-border money transfer processing system can receive the request for the public cross-border money transfer from the money transfer business demand party and automatically audit the cross-border money transfer application data, thereby improving the handling efficiency of the cross-border money transfer business and reducing the labor cost of the bank.

It should be noted that the method, the device, the equipment and the storage medium for processing the cross-border remittance of the bank can be used in the financial field or other fields, and can also be used in any field except the financial field or other fields, and the application field of the method and the device for processing the cross-border remittance of the bank is not limited.

The execution main body of the bank cross-border remittance processing method provided by the application can be a server provided with a bank cross-border remittance processing system, and can perform information interaction with a business system of a remittance business demand party, execute a cross-border remittance application data auditing function and the like through the server. Exemplary, fig. 1 is a schematic view of a scenario of a bank cross-border money transfer processing method according to an embodiment of the present application. As shown in fig. 1, the scenario may include: the system comprises a bank cross-border money transfer processing system, a business system of a money transfer business demander and a money transfer system.

The bank cross-border money transfer processing system comprises a plurality of API interfaces and a plurality of cross-border money transfer processing flows, wherein the bank cross-border money transfer processing system is connected with a business system of a money transfer business demand side through the API interfaces, each API interface corresponds to one cross-border money transfer auditing processing flow, and each API interface is used for being connected with the business system of at least one money transfer business demand side. The bank cross-border money transfer processing system can also be connected with a plurality of money transfer systems, and the connection mode of the bank cross-border money transfer processing system and the money transfer systems can refer to the prior art, and the description is omitted here. The money transfer transaction demander may be, for example, an enterprise, a financial institution, etc., and the transaction system may be, for example, a financial system, a payment system, etc., of the money transfer transaction demander. The public cross-border money transfer auditing process flow can comprise auditing flow, auditing scale and the like, and for example, for money transfer business demand parties with better qualification, the auditing flow can be shorter, for example, the auditing data in a data list required by the cross-border money transfer is less than that of money transfer business demand parties with worse qualification, so that the auditing flow is shortened; for better qualified money transfer service demander, its audit scale can be more relaxed, for example, for the money transfer amount of this money transfer service demander's amount of money is higher, the alternative money transfer system is more, the alternative money transfer route is more etc.. Optionally, the money transfer service demand party can log in through the user account, and after the login is successful, the connection between the bank cross-border money transfer processing system and the service system of the money transfer service demand party through the API interface is completed. The money transfer system is used for performing cross-border money transfer, and the money transfer system can be, for example, a cross-border money transfer system such as an international funds clearing System (SWIFT), an in-home RMB settlement system, an out-of-home RMB settlement system and the like.

The business system of the remittance business demander can send a cross-border remittance request to the cross-border remittance processing system of the bank through the API interface so as to request to transact the cross-border remittance business. For example, the contents such as the cross-border money transfer application data, the target cross-border money transfer information and the like corresponding to the cross-border money transfer business can be submitted. The bank cross-border remittance processing system can acquire the cross-border remittance request from the business system of the remittance business demand party through the API interface, and automatically check the contents of the cross-border remittance application data, the target cross-border remittance information and the like submitted by the remittance business demand party and corresponding to the cross-border remittance business.

The following describes the technical scheme of the present application and how the technical scheme of the present application solves the above technical problems in detail with reference to specific embodiments, taking an execution subject as an example of a server in which a bank cross-border money transfer processing system is deployed. The following embodiments may be combined with each other, and the same or similar concepts or processes may not be described in detail in some embodiments. Embodiments of the present application will be described below with reference to the accompanying drawings.

Fig. 2 is a schematic flow chart of a method for processing cross-border remittance of a bank according to an embodiment of the present application. As shown in fig. 2, the method may include:

S201, receiving a public cross-border remittance request sent by a target service system through a target API interface in a plurality of API interfaces.

Wherein the pair of public cross-border money transfer requests includes: the target business system comprises cross-border money transfer application data of a target business demand party and target cross-border money transfer information. The cross-border money transfer application data can be determined according to the actual requirements of the target business requiring party, the receiving party, the cross-border money transfer application and the like, and the application does not limit the data and the data content specifically included in the cross-border money transfer application data. The target cross-border money transfer information may include, for example, content related to the pair of public cross-border money transfer requirements, such as target business demander, payee, cross-border money transfer use, cross-border money transfer path requirements, and the like. The request for the public cross-border remittance is used for transacting the public cross-border remittance business for the bank request of the target business demand direction.

The public cross-border remittance request is sent by the target business demand party through the target business system and is sent to the bank cross-border remittance processing system through the target API interface. The target API interface can be connected with business systems of one or more business demanders, and the bank cross-border remittance processing system can be connected with a plurality of business systems of a plurality of business demanders corresponding to different public cross-border remittance auditing processing flows through a plurality of API interfaces.

S202, auditing and processing the cross-border money transfer application data according to the public cross-border money transfer auditing and processing flow corresponding to the target API interface.

The public cross-border money transfer auditing process flow may be determined according to a preset mapping relationship corresponding to the API interface, and the public cross-border money transfer auditing process flow corresponding to the target API interface is determined according to the preset mapping relationship. The public cross-border money transfer auditing process flow comprises a list of cross-border money transfer application data corresponding to the flow, and each public cross-border money transfer auditing process flow can correspond to at least one list of cross-border money transfer application data, for example, according to different cross-border money transfer purposes, the public cross-border money transfer auditing process flow can correspond to the list of different cross-border money transfer application data.

The auditing process may be to audit the electronic version application data and/or audit the image version application data. When the electronic version application data is subjected to the auditing process, the contents of the fields or the data included in the electronic version application data can be audited by extracting the contents. When the image version application data is subjected to auditing, the contents in the image version application data can be obtained through OCR (optical character recognition) technology (optical character recognition, OCR), image recognition technology and the like, and then the contents are audited through a keyword extraction technology. The auditing method can be for example, auditing according to the auditing requirements corresponding to the public cross-border money transfer auditing process flow, wherein the auditing requirements can be preset according to actual requirements, and the application is not limited to this.

S203, after the cross-border remittance application data is checked and passed, the target cross-border remittance information is sent to a remittance system to carry out cross-border remittance processing.

The money transfer system may be selected by the money transfer service demander in a request for public cross-border money transfer, or the bank cross-border money transfer processing system may be selected according to the target cross-border money transfer information. When the money transfer system is selected by the bank cross-border money transfer processing system according to the target cross-border money transfer information, the bank cross-border money transfer processing system can select a money transfer system matched with one or more of money transfer purposes, expense information, account arrival time information, money transfer stability and the like among a plurality of money transfer systems capable of conducting public cross-border money transfer according to the money transfer business demand side and the receiving side in the target cross-border money transfer information. The manner in which the money transfer system performs cross-border money transfer may refer to the prior art, and the disclosure will not be repeated.

One possible implementation, if the cross-border money transfer application data audit fails, sends a rejection response to the public cross-border money transfer request to the target business system through the target API interface. The rejection response is used to reject the targeted business demander's request for a public cross-border money transfer.

In another possible implementation, if the cross-border money transfer application fails to audit, the target business demander is prompted to resubmit the data or the supplemental data.

According to the bank cross-border money transfer processing method, the bank cross-border money transfer processing system is established and is connected with the business system of the money transfer business demand side through the API interface, so that the money transfer business demand side can send a request for public cross-border money transfer to the bank cross-border money transfer processing system through the business system, submit cross-border money transfer application data, and the bank cross-border money transfer processing system can receive the request for public cross-border money transfer of the money transfer business demand side and automatically audit the cross-border money transfer application data, and therefore the handling efficiency of the cross-border money transfer business is improved, and the labor cost of the bank is reduced.

Next, a detailed description is given of how to audit the cross-border money transfer application data according to the process flow of auditing the public cross-border money transfer corresponding to the target API interface in step S202. Fig. 3 is a flow chart of another cross-border money transfer processing method of a bank according to an embodiment of the present application. As shown in fig. 3, step S202 may include:

s301, authenticating a target business demand party to determine whether the target business demand party has authority to remit money to a bank to which a receiving party belongs.

In one possible implementation manner, the bank cross-border money transfer processing system determines whether the target business demand party has authority to transfer money to the bank to which the receiving party belongs according to the information of the bank to which the receiving party belongs, which is included in the target cross-border money transfer information, by querying a bank list to which the corresponding receiving party of the target business demand party belongs.

In another possible implementation, the bank cross-border money transfer processing system determines whether the target business demander has authority to transfer money to a bank to which the payee belongs by determining a money transfer purpose included in the target cross-border money transfer information. For example, the target business demander and/or the bank to which the payee belongs may only be allowed to make a cross-border money transfer by way of goods trade, but the money transfer purpose included in the target cross-border money transfer information is service trade, and it is determined that the target business demander does not have authority to transfer money to the bank to which the payee belongs.

The authentication mode may also be to authenticate other information related to the public cross-border money transfer included in the target cross-border money transfer information, which is not specifically enumerated in the present application.

S302, after authentication is passed, information to be audited is extracted from cross-border money transfer application data according to information required by a public cross-border money transfer auditing processing flow corresponding to a target API interface.

The information required by the public cross-border money transfer auditing process flow can comprise, for example, identification of auditing materials and contents in the auditing materials.

The identifier of the audit data can be used for auditing whether audit data required by public cross-border money transfer audit processing flow is absent in the cross-border money transfer application data, and the identifier can be, for example, an index of the audit data, a data name of the audit data and the like. For example, the audit data required by the public cross-border money transfer audit processing flow needs a transaction contract, an invoice and a customs clearance, and whether the transaction contract, the invoice and the customs clearance are included in the index for acquiring the audit data can be indicated if the transaction contract, the invoice and the customs clearance are not included.

The content in the audit data can be used for auditing whether audit data content required by public cross-border money transfer audit processing flow is absent in the cross-border money transfer application data or whether the audit data content has errors. The content may include, for example, items such as an amount, number, etc. in the invoice, or items such as a transaction target, amount, etc. in the contract. For example, it may be checked whether there is a deletion in these contents or whether the contents of the corresponding items are consistent. Illustratively, if the amount in the invoice is different from the amount in the contract, an error in the audit data content is characterized, and so forth.

The step S202 of extracting the information to be audited from the cross-border money transfer application data is not described herein.

Implementation a: and according to different auditing roles, extracting information to be audited corresponding to the auditing roles for auditing.

S3021, determining auditing roles corresponding to links in a public cross-border money transfer auditing processing flow corresponding to a target API interface, and information needing to be audited by the auditing roles in information to be audited.

The auditing roles can be divided according to the content of the auditing materials, for example, whether the auditing materials are missing or not, or whether the auditing materials have errors which are not corresponding to the items as described above, and the auditing roles can audit by the first auditing roles; and auditing contents related to risk control such as in-process monitoring and/or money back-flushing pre-inspection of the public and overseas remittance business can be audited by a second audit role. And distributing the information to be audited by the audit role in the information to be audited to the audit role by acquiring the information to be audited required by different roles and the content included in the information to be audited.

S3022, pushing information required to be audited to clients of audit roles.

The first audit role may be, for example, a bank teller system client, and the second audit role may be, for example, a bank wind control system client. And pushing the corresponding information to the client corresponding to the auditing role by the bank cross-border money transfer processing system according to the information to be audited by the auditing role in the information to be audited, so as to realize auditing of the corresponding information in the information to be audited through the clients of different auditing roles.

S3023, receiving an auditing result returned by the auditing role through the client.

S3024, when the auditing results of all auditing roles are auditing passing, determining that the cross-border remittance application data auditing passes.

If the auditing result of any auditing role is that the auditing is not passed, at least one auditing data needing to be submitted again or corrected exists in the cross-border money transfer application data. At this time, the bank cross-border remittance processing system can send out audit failing reminding to the target business system by determining audit failing audit roles; or the bank cross-border remittance processing can acquire the specific reasons for failing to pass the audit from the client of the audit role for failing to pass the audit, and push the specific reasons to the target business system so as to facilitate the target business demander to re-submit or correct the audit data.

Implementation mode B: and directly extracting all information to be audited in the cross-border money transfer application data. In this implementation manner, except that the audit roles do not need to be divided, the manner of extracting the information to be audited in the cross-border money transfer application data is similar to that of the implementation manner a, and is not repeated here.

If the authentication is not passed, the rejection response of the public cross-border remittance request is sent to the target service system through the target API interface.

S303, auditing the information to be audited according to the public cross-border remittance auditing processing flow corresponding to the target API interface.

And determining the specific auditing flow and the auditing scale corresponding to the target API according to the public cross-border remittance auditing processing flow corresponding to the target API. And according to the specific flow of the auditing and the auditing scale, auditing one or more of the integrity of the application data, the integrity of the content of the application data, the rule limit of the public remittance, the rechecking of the backwash money and the like. It should be understood that the specific audit logic needs to be determined according to actual requirements and actual conditions, and the present application is not limited in this regard.

In the following, how to process the cross-border remittance application data when the audit of the cross-border remittance application data fails will be described by taking the example of prompting the target business demander to re-submit data or supplementary data. Fig. 4 is a flow chart of another cross-border money transfer processing method of a bank according to an embodiment of the present application. As shown in fig. 4, may further include:

s401, if the cross-border remittance application data auditing fails, determining the data to be re-submitted and/or the data to be supplemented.

The data to be resubmitted and/or the data to be supplemented can be determined according to the auditing result. For example, missing data, erroneous data, data which does not meet the rule restrictions on the off-premise money transfer, data which cannot be pre-checked by back washing, or the like may be determined based on the result of the audit. The auditing result can be directly obtained by the bank cross-border remittance processing system based on the auditing process, or can be obtained from clients of different auditing roles.

S402, sending a cross-border remittance application data supplementing request to a target service system through a target API interface.

Wherein the replenishment request includes: information of the material to be resubmitted and/or the material to be replenished. The information of the material to be resubmitted and/or the material to be supplemented may include, for example, an identification of the material, and/or a location in the material where the content cannot pass the audit, etc.

S403, if the data fed back by the target business system through the target API interface is received, auditing the fed back data according to the public cross-border money transfer auditing processing flow corresponding to the target API interface. If the audit is passed, the characterization can carry out subsequent remittance to the public cross border, and step S404 is executed; if the audit is not passed, the characterization does not meet the requirements for public cross-border remittance, and step S405 is performed.

The auditing method of the feedback data is consistent with the auditing method in the step S303, and may be that the auditing is performed on the whole content of the feedback data, or that only the content, which is represented in the auditing result and cannot pass the auditing, of the corresponding part is audited.

S404, the target cross-border remittance information is sent to a remittance system to carry out cross-border remittance processing.

Wherein the money transfer system may be determined according to the method described in step S203. The cross-border money transfer process may be performed through any available cross-border money transfer path in the money transfer system.

S405, the rejection response of the public cross-border remittance request is sent to the target service system through the target API interface.

According to the method provided by the embodiment of the application, the information to be audited is extracted from the cross-border money transfer application data through the authentication of the target business demand party, the contents in the cross-border money transfer application data are acquired through OCR (optical character recognition), image recognition technology and the like, and are audited through the keyword extraction technology, and if the contents pass the audit, the target cross-border money transfer information is sent to the money transfer system to carry out cross-border money transfer processing, so that the functions of on-line transaction on public cross-border money transfer business and automatic cross-border money transfer application data audit are realized, the processing efficiency of the cross-border money transfer business is improved, and the labor cost of banks is reduced.

Optionally, the method for processing the cross-border remittance of the bank provided by the embodiment of the application can also provide a function of trial calculation of the cross-border remittance, a function of query of the cross-border remittance, and the like for the target business demand party, and the function of query of the cross-border remittance can comprise: the request for cross-border money transfer is preceded by a query of a cross-border money transfer application data list required for cross-border money transfer, and a query of money transfer progress is performed during the process of conducting the cross-border money transfer. The above functions are described in detail below with specific embodiments.

Fig. 5 is a flowchart of another method for processing a cross-border remittance of a bank according to an embodiment of the present application. As shown in fig. 5, before receiving a request for public cross-border money transfer sent by a target service system through a target API interface of the plurality of API interfaces, a method for implementing a public cross-border money transfer trial calculation function may include:

s501, receiving a cross-border money transfer trial calculation request sent by a target service system through a target API interface.

Wherein the cross-border money transfer trial calculation request includes: information of the bank to which the payee belongs. The cross-border money transfer trial calculation request is used to trial calculate information related to the cross-border money transfer. The information may include, for example, at least one of: whether cross-border money transfer is enabled, which cross-border money transfer channels, cost information for cross-border money transfer, billing information for cross-border money transfer, and the like.

S502, determining at least one cross-border money transfer recommended information according to the information of the bank to which the cross-border money transfer processing system belongs, the information of the bank to which the payee belongs and a cross-border money transfer information table in a database.

Wherein, the recommendation information includes: cross-border money transfer channels, fee information, billing timeliness information. The cross-border money transfer information table includes: the bank cross-border money transfer processing system comprises a cross-border money transfer channel, a cross-border money transfer path, fee information of the cross-border money transfer path and account arrival time information of the cross-border money transfer path, which are supported by a bank to which a bank belongs and a bank to which a payee belongs. Wherein each cross-border money transfer channel includes at least one cross-border money transfer path. The fee information may be determined, for example, based on the money transfer amount, e.g., the fee information may be expressed as a percentage of the fee to the money transfer amount. The billing information for the cross-border money transfer path may be determined based on historical billing information for the cross-border money transfer path, such as historical average billing information.

According to the information of the bank to which the bank cross-border money transfer processing system belongs, the information of the bank to which the payee belongs and the cross-border money transfer information table in the database, a cross-border money transfer recommended information list is obtained, wherein the cross-border money transfer recommended information list comprises all cross-border money transfer channels, cross-border money transfer paths, and fee information and account arrival time information corresponding to each cross-border money transfer path, which are supported between the bank to which the bank cross-border money transfer processing system belongs and the bank to which the payee belongs.

According to another possible implementation manner, according to the information of the bank to which the bank cross-border money transfer processing system belongs, the information of the bank to which the payee belongs, a cross-border money transfer information table in a database, and the history record of the cross-border money transfer of the bank to which the payee belongs in the target business demand direction, a cross-border money transfer recommended information list is obtained, wherein the cross-border money transfer recommended information list comprises common money transfer channels and/or common money transfer paths of the cross-border money transfer of the bank to which the payee belongs in the target business demand direction, and fee information and account arrival timeliness information corresponding to the common money transfer paths.

S503, sending at least one cross-border remittance recommendation information to the target service system through the target API interface, so that the target service system generates target cross-border remittance information according to the at least one cross-border remittance recommendation information.

Wherein the target cross-border money transfer information includes: a target cross-border money transfer channel determined based on the at least one cross-border money transfer recommendation information. The bank cross-border remittance processing system sends a plurality of common remittance channels for cross-border remittance of the bank to which the payee belongs to the target business demand through the target API interface to the target business system, and generates a plurality of target cross-border remittance information according to each common remittance channel. The target business demander can determine the cross-border money transfer information meeting the actual demand of the demander according to the plurality of target cross-border money transfer information, and make reference to the public cross-border money transfer request for the subsequent transmission to the bank cross-border money transfer processing.

According to the method provided by the embodiment of the application, the target business demand side obtains the cross-border money transfer recommended information comprising the cross-border money transfer channel, the cross-border money transfer path, the fee information corresponding to each cross-border money transfer path, account arrival aging information and other contents through the API interface of the bank cross-border money transfer processing system before the request for public cross-border money transfer is sent out by the target business system, the corresponding cross-border money transfer channel and the corresponding cross-border money transfer path can be freely selected according to actual demands, and the corresponding target cross-border money transfer information is obtained, so that the efficiency of determining the target cross-border money transfer information by the target business demand side is improved, and the transacting efficiency of the cross-border money transfer business is further improved.

Fig. 6 is a flowchart of another method for processing a cross-border remittance of a bank according to an embodiment of the present application. As shown in fig. 6, before receiving a request for public cross-border money transfer sent by a target service system through a target API interface of the multiple API interfaces, a method for implementing querying a public cross-border money transfer application data list may include:

s601, receiving a query request of data required by cross-border remittance sent by a target service system through a target API interface.

Wherein the query request includes: cross-border money transfer uses. The cross-border money transfer application may be, for example, the use for goods trade, or the use for service trade, etc., and the present application is not limited to the cross-border money transfer application, as long as it meets the cross-border money transfer requirement.

S602, acquiring a cross-border money transfer application data list required by cross-border money transfer according to the cross-border money transfer application and the mapping relation between the cross-border money transfer application and the required cross-border money transfer application data.

The data required for cross-border remittance corresponding to the different cross-border remittance uses is different. The mapping relation between the cross-border remittance application and the data required by the cross-border remittance can be preset in a bank cross-border remittance processing system, and the specific content of the data required by the cross-border remittance corresponding to each cross-border remittance application is not limited.

The cross-border money transfer application data list may be preset in the mapping relationship directly, or may be a temporarily generated list by the bank cross-border money transfer processing system according to the required cross-border money transfer application data.

S603, the bill of materials is sent to the target service system through the target API interface, so that the target service system applies for the bill of materials according to the cross-border remittance.

According to the method provided by the embodiment of the application, the target business demand side can apply for the list of the cross-border money transfer application data which is required to be prepared corresponding to the target business through the API interface of the cross-border money transfer processing system of the bank before the request for the public cross-border money transfer is sent out through the target business system, so that the target business demand side can prepare the data in advance, the time for handling the public cross-border money transfer business subsequently is shortened, and the efficiency is improved.

Fig. 7 is a flowchart of another method for processing a cross-border money transfer of a bank according to an embodiment of the present application. As shown in fig. 7, a method of implementing a query for money transfer progress may include:

s701, receiving a money transfer progress query request of the public cross-border money transfer request sent by the target service system through the target API interface.

The money transfer progress inquiry request is used for inquiring the money transfer progress of the public money transfer request which is sent by the target service system and passes the data audit. The money transfer progress may include, for example, one or more of a current node of money, an expected completion time of money transfer, a money transfer status, etc., so that the target business demander can timely learn about the money transfer progress of the pair of public cross-border money transfer requests.

The money transfer progress query for the public cross-border money transfer request may be queried, for example, by an identification of the target cross-border money transfer information, which may be, for example, an order number. The query of the remittance progress of the public cross-border remittance request may also be, for example, queried through a user account of the target business demander, and information of at least one target cross-border remittance information of the target business demander currently remittance can be fed back through the user account. The target business demander may select target cross-border money transfer information to be queried from information of the at least one target cross-border money transfer information.

S702, obtaining the remittance progress and remittance state of the target cross-border remittance information from the remittance system.

The bank cross-border money transfer processing system applies for obtaining the money transfer progress and the money transfer state of the target cross-border money transfer information from the money transfer system according to the information of the money transfer order which needs to be queried by the target business demand side. The money transfer progress may be represented as a completion of the money transfer progress, e.g., 60% completed, or may be represented as a current node of the money transfer progress, e.g., a node of a bank at a-zone B. The remittance state may include a normal state, an abnormal state, and when the remittance state is the normal state, the remittance service is represented as normal, and when the remittance state is the abnormal state, the abnormal reason of the remittance service may be obtained.

S703, generating a remittance progress report according to the remittance progress and the remittance state.

And S704, sending the remittance progress report to a target service system through a target API interface.

According to the method provided by the embodiment of the application, the target business demand side can send the money transfer progress query request of the public cross-border money transfer request through the API interface of the bank cross-border money transfer processing system, the current progress of the cross-border money transfer processing is queried, and the money transfer progress report of the cross-border money transfer processing is obtained, so that the money transfer progress of the public cross-border money transfer request can be timely obtained, the money transfer abnormality can be timely processed, and the user experience is improved.

Fig. 8 is a schematic structural diagram of a cross-border money transfer processing device for banks according to an embodiment of the present application. As shown in fig. 8, the apparatus may include: a receiving module 11, a processing module 12, and a transmitting module 13.

And the receiving module 11 is used for receiving the public cross-border remittance request sent by the target service system through the target API interface in the multiple API interfaces. The pair of public cross-border money transfer requests includes: the target business system comprises cross-border money transfer application data of a target business demand party and target cross-border money transfer information.

And the processing module 12 is used for auditing the cross-border money transfer application data according to the process flow of auditing the public cross-border money transfer corresponding to the target API interface.

And the sending module 13 is used for sending the target cross-border remittance information to the remittance system for cross-border remittance processing after the cross-border remittance application data passes the audit.

In one possible implementation, the processing module 12 is specifically configured to authenticate the target service demander to determine whether the target service demander has authority to remit money to the bank to which the payee belongs. And after the authentication is passed, extracting information to be audited from the cross-border money transfer application data according to the information required by the public cross-border money transfer auditing processing flow corresponding to the target API interface. And auditing the extracted information to be audited according to the public cross-border money transfer auditing processing flow corresponding to the target API interface.

In this implementation manner, the processing module 12 is specifically configured to determine an audit role corresponding to each link in the public cross-border money transfer audit processing procedure corresponding to the target API interface, and information to be audited, which needs to be audited by the audit role. The sending module 13 is specifically configured to push information required to be audited to a client of the audit role. The receiving module 11 is specifically configured to receive an audit result returned by the audit role through the client thereof. The processing module 12 is specifically configured to determine that the cross-border money transfer application data passes the audit when the audit results of all audit roles pass the audit.

In any of the above implementations, the processing module 12 is further configured to determine the data to be resubmitted and/or the data to be supplemented if the cross-border money transfer application data fails to be audited after auditing the cross-border money transfer application data according to the public cross-border money transfer auditing process flow corresponding to the target API interface. The sending module 13 is further configured to send a cross-border remittance application data replenishment request to the target service system through the target API interface, where the replenishment request includes: information of the material to be resubmitted and/or the material to be replenished. And the processing module 12 is further configured to, if data fed back by the target service system through the target API interface is received, audit the fed back data according to a public cross-border money transfer audit process flow corresponding to the target API interface. And the sending module 13 is further configured to send the target cross-border money transfer information to a money transfer system for cross-border money transfer if the audit is passed, and send a rejection response to the public cross-border money transfer request to the target service system through the target API if the audit is failed.

In any of the above implementations, before receiving a request for public cross-border money transfer sent by a target service system through a target API interface of the multiple API interfaces, the receiving module 11 is further configured to receive a cross-border money transfer trial calculation request sent by the target service system through the target API interface. The cross-border money transfer trial calculation request includes: information of the bank to which the payee belongs. The processing module 12 is further configured to determine at least one cross-border money transfer recommendation information according to the information of the bank to which the cross-border money transfer processing system belongs, the information of the bank to which the payee belongs, and the cross-border money transfer information table in the database, where the recommendation information includes: cross-border money transfer channels, fee information, billing timeliness information. The sending module 13 is further configured to send the at least one cross-border money transfer recommendation information to the target service system through the target API interface, so that the target service system generates the target cross-border money transfer information according to the at least one cross-border money transfer recommendation information. The target cross-border money transfer information includes: a target cross-border money transfer channel determined based on the at least one cross-border money transfer recommendation information.

Optionally, the receiving module 11 is further configured to receive, before receiving a request for public cross-border money transfer sent by the target service system through a target API interface of the multiple API interfaces, a query request for data required for cross-border money transfer sent by the target service system through the target API interface. The query request includes: cross-border money transfer uses. The processing module 12 is further configured to obtain a cross-border money transfer application data list required for cross-border money transfer according to the cross-border money transfer application and the mapping relationship between the cross-border money transfer application and the required cross-border money transfer application data. The sending module 13 is further configured to send the bill of materials to the target service system through the target API interface, so that the target service system applies for the bill of materials according to the cross-border money transfer.

Optionally, the receiving module 11 is further configured to receive a money transfer progress query request of the pair of public cross-border money transfer requests sent by the target service system through the target API interface. And the processing module 12 is further configured to obtain a remittance progress and a remittance state of the pair of target cross-border remittance information from the remittance system, and generate a remittance progress report according to the remittance progress and the remittance state. The sending module 13 is further configured to send the remittance progress report to the target service system through the target API interface.

The bank cross-border money transfer processing device provided by the embodiment of the application can execute the bank cross-border money transfer processing method in the method embodiment, and has similar implementation principle and technical effect, and is not repeated here.

Fig. 9 is a schematic structural diagram of an electronic device according to an embodiment of the present application. The electronic device is configured to execute the above-mentioned bank cross-border money transfer processing method, for example, the above-mentioned electronic device with the bank cross-border money transfer processing system deployed therein may be mentioned. As shown in fig. 9, the electronic device 900 may include: at least one processor 901, a memory 902, a communication interface 903.

A memory 902 for storing programs. In particular, the program may include program code including computer-operating instructions.

The memory 902 may include high-speed RAM memory or may further include non-volatile memory (non-volatile memory), such as at least one disk memory.

The processor 901 is configured to execute computer-executable instructions stored in the memory 902 to implement the methods described in the foregoing method embodiments. The processor 901 may be a CPU, or an application specific integrated circuit (Application Specific Integrated Circuit, abbreviated as ASIC), or one or more integrated circuits configured to implement embodiments of the present application.

The processor 901 may communicate with external devices, such as the aforementioned target business demander business system, or money transfer system, via the communication interface 903. In a specific implementation, if the communication interface 903, the memory 902, and the processor 901 are implemented independently, the communication interface 903, the memory 902, and the processor 901 may be connected to each other and perform communication with each other through buses. The bus may be an industry standard architecture (Industry Standard Architecture, abbreviated ISA) bus, an external device interconnect (Peripheral Component, abbreviated PCI) bus, or an extended industry standard architecture (Extended Industry Standard Architecture, abbreviated EISA) bus, among others. Buses may be divided into address buses, data buses, control buses, etc., but do not represent only one bus or one type of bus.

Alternatively, in a specific implementation, if the communication interface 903, the memory 902, and the processor 901 are integrated on a chip, the communication interface 903, the memory 902, and the processor 901 may complete communication through internal interfaces.

The present application also provides a computer-readable storage medium, which may include: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a magnetic disk or an optical disk, etc., in which program codes may be stored, and in particular, the computer-readable storage medium stores program instructions for the methods in the above embodiments.

The present application also provides a program product comprising execution instructions stored in a readable storage medium. The at least one processor of the computing device may read the execution instructions from the readable storage medium, the execution instructions being executed by the at least one processor to cause the computing device to implement the banking cross-border money transfer processing method described above.

Other embodiments of the application will be apparent to those skilled in the art from consideration of the specification and practice of the application disclosed herein. This application is intended to cover any variations, uses, or adaptations of the application following, in general, the principles of the application and including such departures from the present disclosure as come within known or customary practice within the art to which the application pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the application being indicated by the following claims.

It is to be understood that the application is not limited to the precise arrangements and instrumentalities shown in the drawings, which have been described above, and that various modifications and changes may be effected without departing from the scope thereof. The scope of the application is limited only by the appended claims.

Claims

1. The bank cross-border money transfer processing method is characterized by being applied to a bank cross-border money transfer processing system, wherein the bank cross-border money transfer processing system comprises a plurality of API interfaces and a plurality of public cross-border money transfer processing flows, each API interface corresponds to one public cross-border money transfer auditing processing flow, and each API interface is used for being connected with a business system of at least one money transfer business demander; the method comprises the following steps:

2. The method of claim 1, wherein the auditing the cross-border money transfer application data according to the process flow of auditing the public cross-border money transfer corresponding to the target API interface comprises:

authenticating the target business demand party to determine whether the target business demand party has authority to remit money to a bank to which a payee belongs;

3. The method of claim 2, wherein the auditing the extracted information to be audited according to the public cross-border money transfer auditing process flow corresponding to the target API interface includes:

Pushing information required to be audited to the client of the audit role;

receiving an audit result returned by the audit role through the client;

4. The method according to any one of claims 1-3, wherein after the cross-border money transfer application data is subjected to the auditing process according to the process flow of auditing the public cross-border money transfer corresponding to the target API interface, the method further comprises:

5. The method of any of claims 1-3, wherein prior to receiving the request for public cross-border money transfer sent by the target business system through a target API interface of the plurality of API interfaces, further comprising:

6. The method of any of claims 1-3, wherein prior to receiving the request for public cross-border money transfer sent by the target business system through a target API interface of the plurality of API interfaces, further comprising:

7. A method according to any one of claims 1-3, wherein the method further comprises:

obtaining the remittance progress and remittance state of the target cross-border remittance information from the remittance system;

8. A banking cross-border money transfer processing device, the device being applied to a banking cross-border money transfer processing system, the banking cross-border money transfer processing system including a plurality of API interfaces, and a plurality of cross-border money transfer processes, each of the API interfaces corresponding to a cross-border money transfer audit process, and each of the API interfaces being configured to connect with a business system of at least one money transfer business demander, the device comprising:

9. An electronic device, comprising: a processor, a communication interface, and a memory; the processor is respectively in communication connection with the communication interface and the memory;

the memory stores computer-executable instructions;

the processor executes computer-executable instructions stored in the memory to implement the method of any one of claims 1 to 7.

10. A computer readable storage medium having stored therein computer executable instructions which when executed by a processor are adapted to carry out the method of any one of claims 1 to 7.