Method and device for determining cross-border remittance service mode
A service mode and determination method technology, applied in the field of cross-border remittance service mode determination method and device, can solve the problems of remitters such as high remittance fees, uncertain charging conditions, high operating costs, etc., to reduce error rates and reduce manual selection , Improve the efficiency of remittance
Pending Publication Date: 2021-11-02
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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Problems solved by technology
[0003] Due to the many intermediate nodes involved in the remittance process, the charges of each agency bank are uncertain, resulting in higher remittance fees for the remitter, or higher operating costs for the remittance bank
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[0056] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.
[0057] This application provides a method for determining a cross-border remittance service method, such as figure 1 As shown, the method includes the following steps:
[0058] Step S101, use the pre-created cross-border remittance service selection model to calculate the cost of the received remittance request and remittance route, and obtain the first cross-border remittance service method.
[0059] Specifically, the executor of the method for determining a c...
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The invention provides a cross-border remittance service mode determination method and device, and relates to the field of machine learning technology and finance. The method comprises the following steps: performing cost calculation on a received remittance request and a remittance path by using a pre-created cross-border remittance service selection model to obtain a first cross-border remittance service mode; performing rationality verification on the first cross-border remittance service mode according to a preset remittance rule; determining an actual cross-border remittance service mode according to a rationality verification result, and generating a remittance message according to the remittance request, the remittance path and the actual cross-border remittance service mode; and sending the remittance message to a remittance message routing network. According to the method, manual query links are greatly reduced, manual business selection is reduced, the remittance efficiency is improved, the error rate is reduced, and the intelligent operation process of our bank is promoted.
Description
technical field [0001] This application relates to the fields of machine learning technology and finance, and in particular to a method and device for determining a cross-border remittance service method. Background technique [0002] At present, in the process of cross-border remittance, there are mainly two remittance methods: full-account remittance and full-payment remittance. Among them, when using the full amount of remittance to the account, the agency bank can ensure that the full amount of the money is remitted to the beneficiary bank after receiving the cross-border remittance message, and the payee can receive the remittance amount in full, and the agency bank will undertake other follow-up agency services. bank and the receiving bank’s remittance fee; when the remittance is paid in full, the agent bank only ensures that the full amount of the money is remitted to the next node after receiving the cross-border remittance message, and the subsequent agent bank and ...
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IPC IPC(8): G06Q20/10G06Q20/02G06Q20/40G06N20/00
CPCG06Q20/10G06Q20/027G06Q20/401G06N20/00
Inventor 陈文浩劳永安何敏华韦东俊
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA