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Method for matching bank message

A message and bank technology, applied in transmission systems, instruments, electrical and digital data processing, etc., can solve problems such as low message matching success rate, affecting message payment speed, and customers being bad to banks, reducing manual labor The effect of packet matching risk, reducing manual labor, and improving packet processing speed

Active Publication Date: 2008-01-23
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

In this way, there are defects such as a low success rate of message matching, and a large workload for bank tellers to manually match messages, and it will greatly affect the speed of message settlement and payment, making customers have a bad impression of the bank.

Method used

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  • Method for matching bank message
  • Method for matching bank message
  • Method for matching bank message

Examples

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Embodiment Construction

[0061] In order to make the object, technical solution and advantages of the present invention clearer, the present invention will be described in further detail below in conjunction with specific embodiments and with reference to the accompanying drawings.

[0062] In actual business, the statement message or fund transfer message sent by each account bank has its own certain rules, even if it does not exactly match the relevant information in the remittance instruction message, it will follow certain rules. For example: the 20th "number" in the MT103 message is P01234M, and the 61st "number" in the MT950 message is FT1234Q. It can be seen that the middle 4 digits of the two numbers are consistent, but the beginning and the end use other characters replaced.

[0063] There are many possible situations. For example, the following table 1 lists the various situations in the messages of some account lines for a certain currency:

[0064] account line

Currency

d...

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PUM

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Abstract

The present invention relates to the standard message matching technology set by the Society Worldwide Interbank Financial Telecommunication in the financial business, and discloses a method for matching the bank message. The method comprises: a message automatic matching parameter table is arranged in a database of a bank message processing system; the bank message processing system receives a couple of to-be-matched message, and transfers the message from the database to automatically match the parameter table, and the relative item of a to-be-matched message is converted according to the rules set in the message automatic matching parameter table; the bank message processing system matches the converted relative item with the relative item of the other to-be-matched message. By utilizing the present invention, the success rate of the bank message matching is increased, the risk of manual message matching is reduced, the efficiency of the message matching and the speed of message paying are improved, and the image of the bank in the eyes of customers is improved.

Description

technical field [0001] The invention relates to the technical field of standard message matching formulated by the Society for Worldwide Interbank Financial Telecommunications (SWIFT) in financial services, and in particular to a method for matching bank messages, which is to pass certain strings A method for fuzzy matching of rules. Background technique [0002] Internationally, foreign currency remittance and clearing services use the standard format messages formulated by the international SWIFT organization. In the processing of SWIFT messages, message matching is a very important business: the remittance instruction message MT103 needs to match the fund transfer message MT202 / MT910 and the account statement message MT940 / MT950. The remittance instruction message MT103 contains information such as the receiving client and the remittance background, while the fund transfer message MT202 / MT910 and the statement message MT940 / MT950 contain inter-bank fund transfer and acco...

Claims

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Application Information

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IPC IPC(8): H04L12/56H04L12/24G06F17/30G06Q30/00G06Q40/02H04L12/70
Inventor 蒋睿涛李大岩石凯罗超
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA