CN117151704A - Transfer processing method, device and equipment - Google Patents
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Abstract
The application provides a transfer processing method, a transfer processing device and transfer processing equipment, which can be used in the field of artificial intelligence. The method comprises the following steps: when a payee account input by a user is received, acquiring a preset first mapping relation table, a preset second mapping relation table and a BIN of the payee account; inquiring a target bank parallel number of a collection bank according to the first mapping relation table, the second mapping relation table and the BIN of the account number of the collection person; when the target bank joint line number is determined to be successfully inquired, determining the bank name of the collection bank according to the inquired target bank joint line number; when the inquiry of the target bank joint line number is determined to fail, acquiring a search keyword input by a user, and determining the bank line name of the collection bank according to the search keyword; and when receiving a transfer instruction triggered by a user, executing preset transfer operation according to the account number of the receiver and the bank name. The application can effectively improve the financial service efficiency of banks and reduce the transfer risk.
Description
Technical Field
The present application relates to the field of artificial intelligence, and in particular, to a method, an apparatus, and a device for processing transfer accounts.
Background
With the continuous progress of information technology and the continuous development of banking, more and more users have begun to choose to utilize banking clients for online transfer.
Currently, when a user uses a bank client to transfer accounts online, three information including a payee account number, a payee name and a payee line name are generally required to be filled in to complete the transfer. In practical applications, some users may only know the account number and the name of the payee, and not necessarily know the name of the payee, and for the users, the users also need to contact the payee to determine the name of the payee to complete the transfer, so that inconvenience and a great amount of time waste are inevitably brought to the users and the bank workers, the financial service efficiency of the bank is reduced, and if the users provide inaccurate names of the payee, the transfer risk exists.
Disclosure of Invention
The application provides a method, a device and equipment for transferring accounts, which can effectively improve the financial service efficiency of banks and reduce the risk of transferring accounts.
In a first aspect, the present application provides a transfer processing method, the method comprising:
when a payee account input by a user is received, acquiring a preset first mapping relation table, a preset second mapping relation table and a bank identification code (Bank Identification Number, BIN) of the payee account; the first mapping relation table stores mapping relations between a plurality of BINs and bank organization codes, and the second mapping relation table stores mapping relations between a plurality of bank organization codes and bank linkage numbers;
inquiring a target bank serial number of the receiving bank according to the first mapping relation table, the second mapping relation table and the BIN of the account number of the receiving person;
when the target bank joint line number is determined to be successfully inquired, determining the bank name of the collection bank according to the inquired target bank joint line number; when the target bank joint line number is determined to fail to inquire, acquiring a search keyword input by the user, and determining the bank name of the collection bank according to the search keyword;
and when receiving the transfer instruction triggered by the user, executing preset transfer operation according to the account number of the receiver and the bank name.
In a second aspect, the present application provides a transfer processing apparatus, the apparatus comprising:
the acquisition module is used for acquiring a preset first mapping relation table, a preset second mapping relation table and a preset BIN of the payee account when the payee account input by the user is received; the first mapping relation table stores mapping relations between a plurality of BINs and bank organization codes, and the second mapping relation table stores mapping relations between a plurality of bank organization codes and bank linkage numbers;
the query module is used for querying a target bank linkage number of the collection bank according to the first mapping relation table, the second mapping relation table and the BIN of the collection account;
the determining module is used for determining the bank name of the collection bank according to the inquired target bank joint line number when the target bank joint line number is determined to be inquired successfully; when the target bank joint line number is determined to fail to inquire, acquiring a search keyword input by the user, and determining the bank name of the collection bank according to the search keyword;
and the processing module is used for executing preset transfer operation according to the account number of the receiver and the bank name when receiving the transfer instruction triggered by the user.
In a third aspect, the present application provides an electronic device comprising: a processor, and a memory communicatively coupled to the processor;
the memory stores computer-executable instructions;
the processor executes computer-executable instructions stored in the memory to implement the transfer processing method as provided in the first aspect.
In a fourth aspect, the present application provides a computer-readable storage medium having stored therein computer-executable instructions for implementing the transfer processing method as provided in the first aspect when executed by a processor.
In a fifth aspect, the present application provides a computer program product comprising a computer program which, when executed by a processor, implements the transfer processing method as provided in the first aspect.
According to the transfer processing method, the transfer processing device and the transfer processing equipment, when the payee account input by the user is received, the target bank serial number of the payee bank is inquired according to the first mapping relation table, the second mapping relation table and the BIN of the payee account; when the inquiry is successful, determining the bank name of the receiving bank according to the inquired target bank joint line number; when the inquiry fails, the search keyword input by the user is acquired, and the bank name of the collection bank is determined according to the search keyword, so that not only is the manual filling work omitted, but also the accuracy of the bank name of the collection bank can be ensured, thereby effectively improving the financial service efficiency of the bank and reducing the transfer risk.
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 diagram of an information screening system according to an embodiment of the present application;
fig. 2 is a schematic flow chart of a transfer processing method according to an embodiment of the present application;
fig. 3 is a schematic flow chart of another step of a transfer processing method according to an embodiment of the present application;
fig. 4 is a schematic program module diagram of a transfer processing apparatus according to an embodiment of the present application;
fig. 5 is a schematic hardware structure 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.
It should be noted that the transfer processing method, the device and the equipment provided in the embodiment of the application can be used in the field of artificial intelligence, and can also be used in any field except the field of artificial intelligence.
Some terms involved in the embodiments of the present application are explained below;
bank line number: the electronic joint line national clearing center code is a unique identification mark of regional banks, and consists of 12 digits, and specifically comprises the following steps: a 3-bit bank code, a 4-bit city code, a 4-bit bank number, and a 1-bit check bit.
BIN: the bank identification code (Bank Identification Number, BIN) of the bank card is represented by a 6-bit number, which appears in the first 6 bits of the card number, and is distributed to each bank card organization engaged in cross-line transfer exchange by the international organization for standardization (ISO).
Banking institution code: the unique code mark is always unchanged in the national range, belongs to the code of the national organization, and the body code is 8 digits, which is a unit identity card uniformly endowed by the organization in the social and economic activities. The organization code system coverage is wide, the qualification audit of the claim code units also has digital files as credentials, and the historical development change of each organization can be dynamically traced.
In the bank online transfer service, three information, namely a payee account number, a payee name and a payee line name, are generally required to be filled in to complete the transfer. In practical applications, some users may only know the account number and the name of the payee, and not necessarily know the name of the payee, and for the users, the users also need to contact the payee to determine the name of the payee to complete the transfer, so that inconvenience and a great amount of time waste are inevitably brought to the users and the bank workers, the financial service efficiency of the bank is reduced, and if the users provide inaccurate names of the payee, the transfer risk exists.
In view of the above technical problems, in the embodiment of the present application, when receiving a payee account input by a user, a transfer processing method is provided, where a target bank serial number of a payee bank is queried according to a first mapping relationship table, a second mapping relationship table and a BIN of the payee account; when the inquiry is successful, determining the bank name of the receiving bank according to the inquired target bank joint line number; when the inquiry fails, the search keyword input by the user is acquired, and the bank name of the collection bank is determined according to the search keyword, so that not only is the manual filling work omitted, but also the accuracy of the bank name of the collection bank can be ensured, thereby effectively improving the financial service efficiency of the bank and reducing the transfer risk.
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 specific embodiments. 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.
Referring to fig. 1, fig. 1 is a schematic diagram illustrating an architecture of a transfer processing system according to an embodiment of the present application; the transfer processing system comprises a client 101 and a server 102, wherein the client 101 is in communication connection with the server 102 through a network.
The client 101 (or referred to as a client) refers to a program corresponding to the server 102 and providing a local service to a user. Except for some applications that only run locally, which are typically installed on common electronic devices, it is desirable to interoperate with the server 102. More commonly used clients include web browsers, such as those used by the world wide web, and instant messaging client software, among others. The electronic device may include a mobile terminal, a tablet computer, a notebook computer, a desktop computer, an intelligent television, a wearable device, and other network terminals, and the client may include an Application (APP) running in the electronic device, a web browser, and the like, which is not limited in the embodiments of the present application. The server 102 includes, but is not limited to, a single-path server, a multi-path server, a distributed server, a cloud server, and the like.
Alternatively, the above transfer processing method may be performed by the client 101, or may be performed by the client 101 and the server 102 together. For example, in some embodiments, the user transmits a transfer process request message to the server 102 through the client 101; after receiving the transfer processing request message, the server 102 generates a corresponding task item, and feeds back a processing result of the task item to the client 101.
Referring to fig. 2, fig. 2 is a schematic flow chart of steps of a transfer processing method according to an embodiment of the present application, and in some embodiments of the present application, the transfer processing method includes:
s201, when a payee account input by a user is received, acquiring a preset first mapping relation table, a preset second mapping relation table and a BIN of the payee account; the first mapping relation table stores mapping relations between a plurality of BINs and bank organization codes, and the second mapping relation table stores mapping relations between a plurality of bank organization codes and bank parallel numbers.
In some embodiments, banking institution codes, banking serial numbers, and the BIN of the issued bank card for a plurality of banks may be obtained in advance; the first mapping relation table is generated according to the acquired banking institution codes of a plurality of banks and the BIN of the issued bank card, and the second mapping relation table is generated according to the acquired banking institution codes of a plurality of commercial banks and the bank serial numbers.
S202, inquiring a target bank line number of a collection bank according to the first mapping relation table, the second mapping relation table and the BIN of the account number of the collection bank.
In some embodiments, the banking institution code of the collecting bank may be queried according to the BIN of the first mapping relationship table and the account number of the collecting person; and when the banking institution code of the receiving bank is inquired, inquiring the target bank linkage number of the receiving bank according to the second mapping relation table and the inquired banking institution code of the receiving bank.
S203, determining whether the inquiry of the target bank linkage number is successful, if so, executing S204 and S206; if not, S205 and S206 are executed.
In some embodiments, when the mapping relationship between the BIN of the payee account and the banking machine code is not queried in the first mapping relationship table, or the banking machine code of the payee bank is queried, but the mapping relationship between the banking machine code of the payee bank and the banking serial number is not queried in the second mapping relationship table, determining that the target banking serial number query fails; and when the mapping relation between the BIN of the account number of the payee and the banking institution code is queried in the first mapping relation table, and the mapping relation between the banking institution code of the payee bank and the banking serial number is also queried in the second mapping relation table, determining whether the target banking serial number is queried successfully.
S204, determining the bank name of the receiving bank according to the inquired target bank joint line number.
In some embodiments, when the target bank line number is successfully queried, the bank line name of the receiving bank may be determined according to a preset correspondence between the bank line number and the bank line name.
S205, acquiring a search keyword input by a user, and determining the bank name of the collection bank according to the search keyword.
In some embodiments, when the target bank line number is not successfully queried, a compensation scheme may be adopted to obtain a search keyword input by the user, and determine the bank line name of the receiving bank according to the search keyword.
S206, when a transfer instruction triggered by a user is received, executing preset transfer operation according to the account number of the receiver and the bank name.
In some embodiments, after determining the bank name of the receiving bank, the determined bank name of the receiving bank may be output to the transfer page of the bank client for display, and after determining that the bank name of the receiving bank is accurate, the user may trigger the transfer instruction.
According to the transfer processing method provided by the embodiment of the application, when the account number of the receiver input by the user is received, the target bank serial number of the receiver bank is inquired according to the first mapping relation table, the second mapping relation table and the BIN of the account number of the receiver; when the inquiry is successful, determining the bank name of the receiving bank according to the inquired target bank joint line number; when the inquiry fails, the search keyword input by the user is acquired, and the bank name of the collection bank is determined according to the search keyword, so that not only is the manual filling work omitted, but also the accuracy of the bank name of the collection bank can be ensured, thereby effectively improving the financial service efficiency of the bank and reducing the transfer risk.
Based on the description in the above embodiments, in some embodiments, in the case of cross-line transfer, after receiving the payee account input by the user, the bank client may identify the BIN of the payee account, query the banking institution code of the payee bank using the BIN, and query the target bank serial number of the payee bank using the queried banking institution code. However, for some commercial banks, especially commercial banks with smaller scale, or newly added commercial banks, it is generally difficult to obtain a mapping relationship table between the total BIN and the banking machine code, and/or a mapping relationship table between the total banking machine code and the banking serial number, so that the situation that the banking serial number cannot be queried by using the payee account number may occur.
In the embodiment of the application, aiming at the situation that the bank line number cannot be inquired by using the account number of the payee, a compensation scheme is provided for the user, and the compensation scheme determines the bank line name of the payee bank according to the search keyword by acquiring the search keyword input by the user.
Referring to fig. 3, fig. 3 is a flowchart illustrating another step of a transfer processing method according to an embodiment of the present application, where in some embodiments of the present application, the transfer processing method includes:
s301, receiving a payee account input by a user.
S302, acquiring a first mapping relation table, a second mapping relation table and the BIN of the account number of the payee.
S303, inquiring the banking institution code of the receiving bank according to the BIN of the first mapping relation table and the account number of the receiving person.
S304, judging whether the banking institution code of the receiving bank is inquired successfully, if so, executing S305, and if not, executing S307.
S305, inquiring the target bank parallel number of the receiving bank according to the second mapping relation table and the inquired banking institution code of the receiving bank.
S306, judging whether the inquiry of the target bank linkage number is successful, if so, executing S308, and if not, executing S307.
S307, acquiring a search keyword input by a user, determining the bank name of the collection bank according to the search keyword, and continuing to execute S308.
In some embodiments, the search keyword may be a fuzzy name keyword of a receiving bank, after obtaining the search keyword input by the user, the client may obtain a plurality of candidate bank names, calculate a fuzzy matching score value of each candidate bank name according to the fuzzy name keyword, and determine a candidate bank name with the highest fuzzy matching score value as a bank name of the receiving bank; or selecting a preset number of candidate bank names from the plurality of candidate bank names according to the order of the fuzzy matching score values from high to low, and selecting one candidate bank name from the preset number of candidate bank names according to the selection operation triggered by the user to determine the candidate bank name as the bank name of the receiving bank.
In some embodiments, the search keyword may be a category keyword and a region keyword of a collection bank, the client may obtain a plurality of candidate bank names after obtaining the search keyword input by the user, screen a part of candidate bank names from the plurality of candidate bank names according to the category keyword and the region keyword of the collection bank as the candidate bank names, and then select one of the candidate bank names according to a selection operation triggered by the user to determine that the candidate bank name is a bank name of the collection bank.
In some embodiments, the search keyword may also be a bank line number or a bank line name of the collection bank, and the client determines the bank line name of the collection bank directly according to the search keyword after obtaining the search keyword input by the user.
S308, when a transfer instruction triggered by a user is received, executing preset transfer operation according to the account number of the receiver and the bank name.
In some embodiments, in the event that a determination is made that the target bank tie-up inquiry fails, monitoring whether the transfer operation was successfully performed; and when the transfer operation is successfully executed, acquiring the bank name of the receiving bank determined according to the search keyword, and updating the first mapping relation table and/or the second mapping relation table according to the acquired bank name of the receiving bank.
In the application, by adopting the updating mechanism, the first mapping relation table and/or the second mapping relation table can be continuously perfected, and the matching success rate of the payee account number and the bank line number is continuously improved. For example, when a subsequent transfer transaction is successfully completed, the BIN of the payee account and the bank name of the payee bank can be maintained in the database, so that the same inquiry is subsequently encountered, and the result can be directly determined without using a compensation scheme.
Based on the description of the foregoing embodiments, the embodiment of the present application further provides a transfer processing apparatus, referring to fig. 4, fig. 4 is a schematic program module of a transfer processing apparatus provided in the embodiment of the present application, and in some embodiments, the transfer processing apparatus 40 includes:
the obtaining module 401 is configured to obtain, when a payee account input by a user is received, a preset first mapping relationship table, a preset second mapping relationship table, and a BIN of the payee account; the first mapping relation table stores mapping relations between a plurality of BINs and bank organization codes, and the second mapping relation table stores mapping relations between a plurality of bank organization codes and bank linkage numbers.
And a query module 402, configured to query a target bank serial number of the receiving bank according to the first mapping relation table, the second mapping relation table, and the BIN of the receiving account.
A determining module 403, configured to determine a bank name of the receiving bank according to the queried target bank joint line number when the target bank joint line number is determined to be queried successfully; and when the target bank joint line number query is determined to fail, acquiring a search keyword input by the user, and determining the bank name of the collection bank according to the search keyword.
And the processing module 404 is configured to execute a preset transfer operation according to the payee account and the bank name when receiving the transfer instruction triggered by the user.
When receiving a payee account number input by a user, the transfer processing device provided by the embodiment of the application firstly inquires a target bank serial number of a payee bank according to the first mapping relation table, the second mapping relation table and the BIN of the payee account number; when the inquiry is successful, determining the bank name of the receiving bank according to the inquired target bank joint line number; when the inquiry fails, the search keyword input by the user is acquired, and the bank name of the collection bank is determined according to the search keyword, so that not only is the manual filling work omitted, but also the accuracy of the bank name of the collection bank can be ensured, thereby effectively improving the financial service efficiency of the bank and reducing the transfer risk.
In some embodiments, the query module 402 is to:
inquiring a banking institution code of the receiving bank according to the BIN of the first mapping relation table and the account number of the receiver;
and inquiring a target bank linkage number of the receiving bank according to the second mapping relation table and the inquired banking institution code of the receiving bank when inquiring the banking institution code of the receiving bank.
In some embodiments, the query module 402 is further to:
and when the mapping relation between the BIN of the account number of the payee and the banking institution code is not queried in the first mapping relation table, or the banking institution code of the payee bank is queried, but the mapping relation between the banking institution code of the payee bank and the banking serial number is not queried in the second mapping relation table, determining that the target banking serial number fails to query.
In some embodiments, the search keyword is a fuzzy name keyword of the collection bank, and the determining module 403 is configured to:
acquiring a plurality of candidate bank names, and calculating a fuzzy matching score value of each candidate bank name according to the fuzzy name keywords;
determining the candidate bank name with the highest fuzzy matching score value as the bank name of the receiving bank;
or selecting a preset number of candidate bank names from the plurality of candidate bank names according to the order of the fuzzy matching score values from high to low, and selecting one candidate bank name from the preset number of candidate bank names according to the selection operation triggered by the user to determine the candidate bank name as the bank name of the receiving bank.
In some embodiments, the search keyword is a category keyword and a region keyword of the collection bank, and the determining module 403 is configured to:
acquiring a plurality of candidate bank names, and screening part of candidate bank names from the plurality of candidate bank names to serve as bank names to be selected according to category keywords and regional keywords of the receiving bank;
and selecting one to-be-selected bank name from the to-be-selected bank names according to the selection operation triggered by the user, and determining the selected to-be-selected bank name as the bank name of the receiving bank.
In some embodiments, the apparatus further comprises a preprocessing module for:
acquiring bank organization codes, bank combination numbers of a plurality of banks and BIN of an issued bank card;
generating the first mapping relation table according to the acquired banking institution codes of the banks and the BIN of the issued bank card;
and generating the second mapping relation table according to the acquired banking institution codes and the banking serial numbers of the commercial banks.
In some embodiments, the apparatus further comprises an update module for:
under the condition that the inquiry of the target bank joint line number fails, monitoring whether the transfer operation is successfully executed or not;
and when the transfer operation is successfully executed, acquiring the bank name of the receiving bank determined according to the search keyword, and updating the first mapping relation table and/or the second mapping relation table according to the acquired bank name of the receiving bank.
It should be noted that, in the embodiment of the present application, the specific execution contents of the obtaining module 401, the querying module 402, the determining module 403, and the processing module 404 may refer to each step in the transfer processing method described in the foregoing embodiment, and no description is given here.
Further, based on the description in the above embodiment, the embodiment of the present application further provides an electronic device, where the electronic device includes at least one processor and a memory; wherein the memory stores computer-executable instructions; the at least one processor executes computer-executable instructions stored in the memory to implement the steps in the transfer processing method as described in the above embodiments.
For better understanding of the embodiments of the present application, referring to fig. 5, fig. 5 is a schematic diagram of a hardware structure of an electronic device according to an embodiment of the present application.
As shown in fig. 5, the electronic device 50 of the present embodiment includes: a processor 501 and a memory 502; wherein:
a memory 502 for storing computer-executable instructions;
a processor 501 for executing computer-executable instructions stored in a memory to implement the respective steps in the transfer processing method described in the above embodiment.
Alternatively, the memory 502 may be separate or integrated with the processor 501.
When the memory 502 is provided separately, the device further comprises a bus 503 for connecting said memory 502 and the processor 501.
Embodiments of the present application provide a computer-readable storage medium having stored therein computer-executable instructions which, when executed by a processor, implement the steps in the transfer processing method described in the above embodiments.
An embodiment of the present application provides a computer program product including a computer program which, when executed by a processor, implements the respective steps in the transfer processing method described in the above embodiment.
In the several embodiments provided by the present application, it should be understood that the disclosed apparatus and method may be implemented in other ways. For example, the above-described embodiments of the apparatus are merely illustrative, and for example, the division of the modules is merely a logical function division, and there may be additional divisions when actually implemented, for example, multiple modules may be combined or integrated into another system, or some features may be omitted or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices or modules, which may be in electrical, mechanical, or other forms.
The modules described as separate components may or may not be physically separate, and components shown as modules may or may not be physical units, may be located in one place, or may be distributed over multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.
In addition, each functional module in the embodiments of the present application may be integrated in one processing unit, or each module may exist alone physically, or two or more modules may be integrated in one unit. The units formed by the modules can be realized in a form of hardware or a form of hardware and software functional units.
The integrated modules, which are implemented in the form of software functional modules, may be stored in a computer readable storage medium. The software functional modules described above are stored in a storage medium and include instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) or processor to perform some of the steps of the methods described in the various embodiments of the application.
It is understood that the processor may be a central processing unit (Central Processing Unit, CPU), but may also be other general purpose processors, digital signal processors (Digital Signal Processor, DSP), application specific integrated circuits (Application Specific Integrated Circuit, ASIC), etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with the present application may be embodied directly in a hardware processor for execution, or in a combination of hardware and software modules in a processor for execution.
The memory may include a high-speed memory, and may further include nonvolatile storage, such as at least one magnetic disk memory, and may also be a usb disk, a removable hard disk, a read-only memory, a magnetic disk, or an optical disk.
The bus may be an industry standard architecture (Industry Standard Architecture, ISA) bus, an external device interconnect (Peripheral Component, PCI) bus, or an extended industry standard architecture (Extended Industry Standard Architecture, EISA) bus, among others. The buses may be divided into address buses, data buses, control buses, etc. For ease of illustration, the buses in the drawings of the present application are not limited to only one bus or to one type of bus.
The storage medium may be implemented by any type or combination of volatile or nonvolatile memory devices such as static random access memory, electrically erasable programmable read only memory, magnetic memory, flash memory, magnetic or optical disk. A storage media may be any available media that can be accessed by a general purpose or special purpose computer.
Finally, it should be noted that: the above embodiments are only for illustrating the technical solution of the present application, and not for limiting the same; although the application has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical scheme described in the foregoing embodiments can be modified or some or all of the technical features thereof can be replaced by equivalents; such modifications and substitutions do not depart from the spirit of the application.
Claims (10)
1. A transfer processing method, characterized in that the method comprises:
when a payee account input by a user is received, acquiring a preset first mapping relation table, a preset second mapping relation table and a bank identification code BIN of the payee account; the first mapping relation table stores mapping relations between a plurality of BINs and bank organization codes, and the second mapping relation table stores mapping relations between a plurality of bank organization codes and bank linkage numbers;
inquiring a target bank serial number of the receiving bank according to the first mapping relation table, the second mapping relation table and the BIN of the account number of the receiving person;
when the target bank joint line number is determined to be successfully inquired, determining the bank name of the collection bank according to the inquired target bank joint line number; when the target bank joint line number is determined to fail to inquire, acquiring a search keyword input by the user, and determining the bank name of the collection bank according to the search keyword;
and when receiving the transfer instruction triggered by the user, executing preset transfer operation according to the account number of the receiver and the bank name.
2. The method of claim 1, wherein the querying the target bank serial number of the collection bank according to the first mapping table, the second mapping table, and the BIN of the collection account number comprises:
inquiring a banking institution code of the receiving bank according to the BIN of the first mapping relation table and the account number of the receiver;
and inquiring a target bank linkage number of the receiving bank according to the second mapping relation table and the inquired banking institution code of the receiving bank when inquiring the banking institution code of the receiving bank.
3. The method according to claim 2, wherein the method further comprises:
and when the mapping relation between the BIN of the account number of the payee and the banking institution code is not queried in the first mapping relation table, or the banking institution code of the payee bank is queried, but the mapping relation between the banking institution code of the payee bank and the banking serial number is not queried in the second mapping relation table, determining that the target banking serial number fails to query.
4. The method of claim 1, wherein the search keyword is a fuzzy name keyword of the collection bank, and wherein the determining the bank name of the collection bank according to the search keyword comprises:
acquiring a plurality of candidate bank names, and calculating a fuzzy matching score value of each candidate bank name according to the fuzzy name keywords;
determining the candidate bank name with the highest fuzzy matching score value as the bank name of the receiving bank;
or selecting a preset number of candidate bank names from the plurality of candidate bank names according to the order of the fuzzy matching score values from high to low, and selecting one candidate bank name from the preset number of candidate bank names according to the selection operation triggered by the user to determine the candidate bank name as the bank name of the receiving bank.
5. The method of claim 1, wherein the search keywords are category keywords and regional keywords of the collection bank, and the determining the bank name of the collection bank according to the search keywords comprises:
acquiring a plurality of candidate bank names, and screening part of candidate bank names from the plurality of candidate bank names to serve as bank names to be selected according to category keywords and regional keywords of the receiving bank;
and selecting one to-be-selected bank name from the to-be-selected bank names according to the selection operation triggered by the user, and determining the selected to-be-selected bank name as the bank name of the receiving bank.
6. The method according to claim 1, wherein the method further comprises:
acquiring bank organization codes, bank combination numbers of a plurality of banks and BIN of an issued bank card;
generating the first mapping relation table according to the acquired banking institution codes of the banks and the BIN of the issued bank card;
and generating the second mapping relation table according to the acquired banking institution codes and the banking serial numbers of the commercial banks.
7. The method of claim 6, wherein the method further comprises:
under the condition that the inquiry of the target bank joint line number fails, monitoring whether the transfer operation is successfully executed or not;
and when the transfer operation is successfully executed, acquiring the bank name of the receiving bank determined according to the search keyword, and updating the first mapping relation table and/or the second mapping relation table according to the acquired bank name of the receiving bank.
8. A transfer processing apparatus, characterized in that the apparatus comprises:
the acquisition module is used for acquiring a preset first mapping relation table, a preset second mapping relation table and a preset bank identification code BIN of the payee account when the payee account input by the user is received; the first mapping relation table stores mapping relations between a plurality of BINs and bank organization codes, and the second mapping relation table stores mapping relations between a plurality of bank organization codes and bank linkage numbers;
the query module is used for querying a target bank linkage number of the collection bank according to the first mapping relation table, the second mapping relation table and the BIN of the collection account;
the determining module is used for determining the bank name of the collection bank according to the inquired target bank joint line number when the target bank joint line number is determined to be inquired successfully; when the target bank joint line number is determined to fail to inquire, acquiring a search keyword input by the user, and determining the bank name of the collection bank according to the search keyword;
and the processing module is used for executing preset transfer operation according to the account number of the receiver and the bank name when receiving the transfer instruction triggered by the user.
9. An electronic device, comprising: a processor, and a memory communicatively coupled to the processor;
the memory stores computer-executable instructions;
the processor executes the computer-executable instructions stored in the memory to implement the transfer processing method according to any one of claims 1 to 7.
10. A computer-readable storage medium, wherein computer-executable instructions are stored in the computer-readable storage medium, which when executed by a processor, are for implementing the transfer processing method according to any one of claims 1 to 7.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN202311101858.2A CN117151704A (en) | 2023-08-29 | 2023-08-29 | Transfer processing method, device and equipment |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202311101858.2A CN117151704A (en) | 2023-08-29 | 2023-08-29 | Transfer processing method, device and equipment |
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| CN202311101858.2A Pending CN117151704A (en) | 2023-08-29 | 2023-08-29 | Transfer processing method, device and equipment |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117541241A (en) * | 2024-01-04 | 2024-02-09 | 梅州客商银行股份有限公司 | Intelligent transfer method and device, memory and electronic equipment |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117541241A (en) * | 2024-01-04 | 2024-02-09 | 梅州客商银行股份有限公司 | Intelligent transfer method and device, memory and electronic equipment |
| CN117541241B (en) * | 2024-01-04 | 2024-05-28 | 梅州客商银行股份有限公司 | Intelligent transfer method and device, memory and electronic equipment |
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