Bank transaction processing method and bank transaction processing device
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A transaction processing and transaction technology, applied in the financial field, can solve the problems of poor user experience, manual processing, and low transaction processing efficiency.
Inactive Publication Date: 2016-10-12
CHINA CONSTRUCTION BANK
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Abstract
Description
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Problems solved by technology
At present, the bank's remittance transaction still requires the user to manually select the payment path (such as selecting intra-bank transfer or inter-bank transfer), which has poor user experience and low transaction processing efficiency
And at present, the bank's inward clearing transaction still requires the transaction processor to manually process the incoming account message, and the transaction processing efficiency is low
Method used
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Embodiment 1
[0094] See figure 1 , which shows a flow chart of the bank transaction processing method provided by the present application, which may include the following steps:
[0095] Step S11: When the bank transaction is an outward remittance transaction, determine the type of the outward remittance transaction according to the bank number of the payee's account opening bank.
[0096] If the type of the outward remittance transaction is an intra-bank transaction, execute step S12, and if the type of the outward remittance transaction is an inter-bank transaction, execute step S14.
[0097] Step S12: Determine the payment path of the in-bank transaction.
[0098] Step S13: Send the payment path of the in-bank transaction to the transaction channel, so that the transaction channel uses the payment path of the in-bank transaction to send the remittance message to the payment system corresponding to the in-bank transaction.
[0099] Step S14: Determine the payment path of the inter-bank...
Embodiment 2
[0178] Corresponding to the above method embodiments, this embodiment provides a bank transaction processing device, please refer to Image 6 , the bank transaction processing device includes: a first judging unit 61 , a first determining unit 62 , a first sending unit 63 , a second determining unit 64 , a second sending unit 65 , a third determining unit 66 and a first processing unit 67 .
[0179] The first determining unit 61 is configured to determine the type of the outward remittance transaction according to the payee's account opening bank number when the bank transaction is an outward remittance transaction.
[0180] The first determining unit 62 is configured to determine the payment path of the in-bank transaction if the type of the remittance transaction is an in-bank transaction.
[0181] The first sending unit 63 is configured to send the payment path of the in-bank transaction to the transaction channel, so that the transaction channel uses the payment path of th...
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Abstract
The application provides a bank transaction processing method and device. The bank transaction processing method includes: when the bank transaction is a remittance transaction, judging the type of the remittance transaction according to the bank number of the payee's account opening bank; if the type of the remittance transaction is For intra-bank transactions, determine the payment path of the intra-bank transaction; send the payment path of the intra-bank transaction to the transaction channel; if the type of remittance transaction is an inter-bank transaction, determine the payment path of the inter-bank transaction; send the payment path of the inter-bank transaction to the transaction channel ; When the bank transaction is an inward clearing transaction, determine the clearing institution and payment resource of the incoming account message of the inward clearing transaction; according to the clearing institution and payment resource of the incoming account message, perform Clearance processing. In the present application, user experience is improved and transaction processing efficiency is improved through the above method when processing the remittance transaction. And, the processing efficiency of inward clearing transactions is improved.
Description
technical field [0001] The present application relates to the financial field, in particular to a bank transaction processing method and device. Background technique [0002] With the development of the national economy, the role of banks in people's daily life is becoming more and more important. Users can conduct various forms of economic activities through banks, such as deposits, loans, credit card business, stock investment, futures investment and gold investment. [0003] For banks, bank transactions mainly include remittance transactions (such as remittances to other banks) and remittance clearing transactions (such as receiving remittances from other banks and transferring them to corresponding accounts). At present, the bank's remittance transaction still requires the user to manually select the payment path (such as selecting an intra-bank transfer or an inter-bank transfer), which has poor user experience and low transaction processing efficiency. And at present...
Claims
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Application Information
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