Accounting processing method and device for cross-border remittance and electronic equipment

Abstract

The embodiment of the invention provides a bookkeeping processing method and device for cross-border remittance and electronic equipment, and relates to the field of financial science and technology or other related fields. The method comprises the following steps: in response to an obtained cross-border remittance message, extracting a collection account and a payee account from the cross-border remittance message; determining an actual payee household name having an association relationship with the collection account from the database, and judging whether the similarity between the payee household name and the actual payee household name is greater than a similarity threshold value or not; and under the condition that the similarity is not greater than a similarity threshold value, based on a preset correction rule in a rule base, performing correction processing on the account name of the payee to obtain correction information, the correction information comprising the corrected account name of the payee. The correction information is sent to the actual payee, if the actual payee confirms the correction information, the payee account name is updated to the corrected payee account name, accounting processing of the actual payee corresponding to the collection account number is completed, the workload of manual checking is reduced, the efficiency is improved, and the cost is reduced.

Description

Technical Field

[0001] The present application relates to the field of financial technology or other related fields, and in particular to a method, device and electronic equipment for accounting and processing cross-border remittances. Background Art

[0002] In cross-border remittances, verifying the receiving account number and account name is a key step in ensuring transaction security. It plays a vital role in ensuring the security, accuracy, and compliance of transactions.

[0003] Currently, in cross-border remittance business, when the remittance instruction reaches the beneficiary bank, the bank system will automatically retrieve the account name information corresponding to the receiving account. If the two do not match, the system will issue an alarm and prompt the bank staff to take further action.

[0004] However, differences in bank account systems and information formats across countries complicate the matching and verification of recipient account numbers and account names. Furthermore, recipient account information can change at any time, such as through name changes or account cancellations. Failure of banks or financial institutions to promptly update relevant information can result in failed matching verifications. All of these issues trigger alerts, requiring further manual intervention by bank staff, resulting in low efficiency and high costs for cross-border transfers. Summary of the Invention

[0005] The present application provides a method, device and electronic device for accounting and processing cross-border remittances, which are used to solve the defects of low efficiency and high cost of existing accounting and processing methods for cross-border remittances.

[0006] In a first aspect, the present application provides a method for accounting and processing cross-border remittances, comprising:

[0007] In response to the obtained cross-border remittance message, extracting the beneficiary account number and the beneficiary account name from the cross-border remittance message;

[0008] Determining from a database the actual payee account name associated with the payment account, and determining whether the similarity between the payee account name and the actual payee account name is greater than a similarity threshold;

[0009] If the similarity is not greater than the similarity threshold, the payee account name is modified based on a modification rule preset in a rule library to obtain modification information, wherein the modification information includes the modified payee account name;

[0010] The correction information is sent to the actual payee. If the actual payee confirms the correction information, the payee account name is updated to the corrected payee account name, and the accounting processing of the actual payee's corresponding payment account number is completed.

[0011] In a second aspect, the present application provides a cross-border remittance accounting processing device, comprising:

[0012] a processing module, configured to extract a payment account number and a payee name from the cross-border remittance message in response to the obtained cross-border remittance message;

[0013] A determination module, configured to determine from a database the name of an actual payee associated with the payment account;

[0014] A judgment module, configured to judge whether the similarity between the payee's account name and the actual payee's account name is greater than a similarity threshold;

[0015] The processing module is further configured to, when the similarity is not greater than the similarity threshold, perform correction processing on the payee's account name based on a correction rule preset in a rule library to obtain correction information, wherein the correction information includes the corrected payee's account name;

[0016] A sending module, configured to send the correction information to the actual payee;

[0017] The processing module is further configured to update the actual payee's account name to the revised payee's account name if the actual payee confirms the revised information, and complete the accounting processing of the actual payee's corresponding payment account number.

[0018] In a third aspect, the present application provides an electronic device, comprising: a processor, and a memory communicatively connected to the processor;

[0019] The memory stores computer-executable instructions;

[0020] The processor executes the computer-executable instructions stored in the memory to implement the accounting processing method for cross-border remittances as described in the first aspect and various possible implementation methods of the first aspect.

[0021] In a fourth aspect, the present application provides a computer-readable storage medium having computer execution instructions stored thereon, which, when executed by a processor, are used to implement the accounting processing method for cross-border remittances as described in the first aspect and various possible implementation methods of the first aspect.

[0022] In a fifth aspect, the present application provides a program product, including a computer program, which, when executed by a processor, implements the accounting processing method for cross-border remittances as described above.

[0023] The accounting processing method, device and electronic device for cross-border remittances provided in the present application are responsive to the obtained cross-border remittance message and extract the beneficiary account number and the payee account name from the cross-border remittance message. The actual beneficiary account name that is associated with the beneficiary account number is determined from the database, and it is determined whether the similarity between the beneficiary account name and the actual beneficiary account name is greater than the similarity threshold. In the case that the similarity is not greater than the similarity threshold, the beneficiary account name is corrected based on the correction rules pre-set in the rule base to obtain correction information, which includes the corrected beneficiary account name. The correction information is sent to the actual beneficiary. If the actual beneficiary confirms the correction information, the beneficiary account name is updated to the corrected beneficiary account name, and the accounting processing of the actual beneficiary corresponding to the beneficiary account number is completed, thereby reducing the delay of funds caused by inaccurate information, reducing the manual verification costs of banks or other financial institutions, and improving the processing efficiency and service quality of cross-border remittance business. BRIEF DESCRIPTION OF THE DRAWINGS

[0024] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0025] Figure 1 A schematic diagram of the process of accounting processing for cross-border remittances provided for this application Figure 1 ;

[0026] Figure 2 A schematic diagram of the process of accounting processing for cross-border remittances provided for this application Figure 2 ;

[0027] Figure 3 A schematic diagram of the structure of a cross-border remittance accounting processing device provided in this application;

[0028] Figure 4 A schematic diagram of the structure of a cross-border remittance accounting processing device provided in this application.

[0029] The above drawings illustrate specific embodiments of the present application, which will be described in more detail below. These drawings and the textual description are not intended to limit the scope of the present application in any way, but rather to illustrate the concepts of the present application to those skilled in the art by reference to specific embodiments. DETAILED DESCRIPTION

[0030] Exemplary embodiments will be described in detail herein, with examples illustrated in the accompanying drawings. In the following description, when referring to the drawings, identical numerals in different figures represent identical or similar elements, unless otherwise indicated. The embodiments described in the following exemplary embodiments are not intended to represent all embodiments consistent with the present application. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present application, as detailed in the appended claims.

[0031] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of relevant data comply with relevant laws, regulations and standards, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0032] In addition, this application involves conducting big data analysis of user information (including but not limited to personal biometrics, identity data, consumption data, asset data, electronic terminal operation data, etc.), and using artificial intelligence technology to make automated decisions, and making technical solutions that have a significant impact on personal rights and interests based on the results of automated decisions. The application provides users with corresponding operation entrances for them to choose to agree or reject the results of automated decisions; if the user chooses to reject, the expert decision-making process will be entered.

[0033] It should be noted that the accounting processing method, device and electronic equipment for cross-border remittances provided in this application can be used in the field of financial technology or other related fields, and can also be used in any field other than finance. The application field of the accounting processing method, device and electronic equipment for cross-border remittances in this application is not limited.

[0034] First, let’s explain the terms that appear in this application:

[0035] Financial system: The financial system in this application refers to an integrated system for financial industries such as banking and securities that uses computer hardware and software and network equipment to collect and process financial information and continuously provide financial information services.

[0036] Verifying the matching of receiving account numbers and account names is an essential step in cross-border remittances. It not only ensures the secure flow of funds and prevents fraud risks, but also meets regulatory compliance requirements. With the development of financial technology and the deepening of cross-border financial cooperation, matching verification of receiving account numbers and account names will become more efficient, accurate, and secure, providing strong support for the healthy development of cross-border remittances.

[0037] Currently, in cross-border remittances, when a remittance instruction reaches the beneficiary bank, the bank's system automatically retrieves the account name corresponding to the recipient's account. The system then compares the retrieved recipient's account name with the actual account name in the database to determine whether the two are consistent. If the recipient's account number and account name do not match, the bank system automatically issues an alert to notify bank staff. The alert includes, but is not limited to, the specific information that does not match, the remittance amount, and the remitter's information, allowing staff to quickly identify the problem. Bank staff will then intervene to further verify the accuracy of the recipient's information.

[0038] However, differences in bank account systems and information formats across countries complicate the verification process for matching recipient account numbers with account names. Furthermore, recipient account information can change at any time, such as through name changes or account cancellations. These factors can cause verification to fail, triggering an alarm. Cross-border remittances can only be processed after further manual intervention by bank staff. This manual intervention requires significant time and effort, resulting in low efficiency, long arrival times, and low customer satisfaction.

[0039] In response to the above problems, the present application proposes a method for accounting and processing cross-border remittances. When a cross-border remittance message is obtained, the actual beneficiary's account name is determined based on the receiving account number, and the similarity between the beneficiary's account name in the message and the actual beneficiary's account name is judged to correct the beneficiary's account name in the message. When the similarity is high, accounting processing is performed. This method improves transaction accuracy and processing efficiency, reduces the cost of manual intervention, and ensures fund security and compliance.

[0040] The following specific embodiments describe in detail the technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0041] Figure 1 A schematic diagram of a cross-border remittance accounting processing method provided in an embodiment of the present application Figure 1 .like Figure 1 As shown, the accounting processing method for cross-border remittance provided in this embodiment includes:

[0042] S101: In response to the obtained cross-border remittance message, extract the beneficiary account number and the beneficiary account name from the cross-border remittance message.

[0043] In cross-border remittances, a remitter initiates a cross-border payment through a bank or other financial institution. This cross-border payment information is encapsulated into a "cross-border remittance message." This message contains all the key information required to complete the remittance, such as the remittance amount, remitter information, and beneficiary information. The beneficiary information includes the beneficiary account number and beneficiary name. These two key elements are crucial for ensuring the funds reach the beneficiary's account.

[0044] In response to a received cross-border remittance message, the purpose of extracting the beneficiary account number and beneficiary name from the cross-border remittance message is to conduct further verification and processing at the beneficiary bank. If the beneficiary account number and beneficiary name are inaccurate or do not match, it may lead to remittance failure, fund return, or misdirection into another person's account.

[0045] As you can understand, cross-border remittance messages adhere to certain formatting standards. When the beneficiary bank's payment system receives a cross-border remittance message, it triggers the message parsing process. Message parsing involves breaking down and extracting information from the message according to predefined formatting standards. Based on the message formatting rules, the beneficiary bank's system locates the beneficiary information field and extracts the beneficiary account number and name.

[0046] S102: Determine the actual payee's account name associated with the payee account from the database.

[0047] The database stores the account information of the recipient's bank customers, including account number, account name, account status, etc. By querying the database, the bank can verify the accuracy and legitimacy of the recipient's account number.

[0048] Understandably, in cross-border remittances, after receiving a remittance message, the beneficiary bank needs to verify the accuracy of the beneficiary information provided in the message. Understandably, the bank needs to confirm whether the beneficiary account number extracted from the cross-border remittance message exists in its database with the actual beneficiary account name associated with the beneficiary account number. Specifically, the bank needs to confirm whether the beneficiary account number is a real account number or whether the beneficiary account number is a customer of the beneficiary bank. This process is a critical step in ensuring that funds securely and accurately reach the actual beneficiary account.

[0049] S103: Determine whether the similarity between the payee's account name and the actual payee's account name is greater than a similarity threshold; if so, execute step S104; if not, execute step S105.

[0050] After receiving the remittance message, the beneficiary bank extracts the payee's name from the message and searches the database for the actual payee's name associated with the receiving account. Due to various reasons, such as spelling errors and formatting differences, the payee's name in the message may not be completely consistent with the actual payee's name in the database. Therefore, it is necessary to determine whether the payee's name in the remittance message and the actual payee's name corresponding to the receiving account are sufficiently similar by determining whether the similarity between the two exceeds a similarity threshold, thereby deciding whether to complete the accounting process for the actual payee's account.

[0051] As you can understand, similarity determination involves using an algorithm to calculate the degree of similarity between the payee's account name and the actual payee's account name, and then comparing it to a preset similarity threshold. Similarity calculation can be implemented using a variety of algorithms, such as edit distance and fuzzy matching. The similarity threshold is a preset value used to determine whether two account names are sufficiently similar. The threshold setting can be adjusted based on actual business needs and risk appetite. Specifically, if a bank wishes to more strictly control risk, the threshold can be set higher; if a bank wishes to improve processing efficiency, the threshold can be set lower.

[0052] Determine whether the similarity between the payee's account name and the actual payee's account name is greater than the similarity threshold. If the similarity is higher than the threshold, it is considered that the two account names are close enough, and step S104 is executed; if the similarity is not higher than the threshold, it is considered that the two account names are not close enough, and step S105 is executed.

[0053] S104: Based on the correction rules pre-set in the rule library, the payee's account name is automatically corrected to obtain the corrected payee's account name, and the payee's account name is corrected to the automatically corrected payee's account name, and the accounting processing of the actual payee's corresponding payment account number is completed.

[0054] When the beneficiary name in the message is highly similar to the actual beneficiary name in the database, the bank system automatically corrects the beneficiary name in the message. For example, if the order of the first and last names is reversed, the bank automatically adjusts the order to obtain the corrected beneficiary name. The bank then corrects the beneficiary name to the automatically corrected one and completes the accounting process for the actual beneficiary's corresponding receiving account, ensuring that the funds arrive accurately at the designated beneficiary account.

[0055] In order to improve processing efficiency, banks usually set a series of correction rules in advance, correct the payee's account name through an automated process, and complete the accounting processing of the actual payee's corresponding account number.

[0056] S105: Based on the correction rules preset in the rule library, the payee's account name is corrected to obtain correction information, which includes the corrected payee's account name.

[0057] S106: Send the revised information to the actual payee.

[0058] Among them, in cross-border remittance business, when the similarity between the payee account name in the message and the actual payee account name in the database is low, the bank needs to correct the payee account name in the message to ensure that the funds can accurately reach the designated payee account.

[0059] To improve processing efficiency, banks typically pre-set a series of correction rules to automatically correct beneficiary account names. The extracted beneficiary account name is matched and corrected according to the correction rules in the rule base. After the corrected beneficiary account name is generated based on the matched rules, the correction information is sent to the actual beneficiary for confirmation. This step ensures the accuracy of the corrected information to avoid misdirected funds or other problems caused by incorrect corrections. Only after the actual beneficiary confirms the corrected information will the bank update the beneficiary account name and complete the accounting process.

[0060] Specifically, for spelling error correction, for example, the beneficiary name extracted from the message is John Smith, while the actual beneficiary name in the database is John Smith. The correction rule corrects Smith to Smith and generates a correction message with the corrected beneficiary name as John Smith. The bank system then sends this correction message to the actual beneficiary, John Smith, via SMS and email, allowing him to confirm the correctness of the correction.

[0061] Specifically, the order of the correction is reversed. For example, the beneficiary account name extracted from the message is Smith, John, while the actual beneficiary account name in the database is John Smith. The correction rule corrects Smith, John to John Smith, generating a correction message with the corrected beneficiary account name as John Smith. The bank system sends this correction message to the actual beneficiary, John Smith, via SMS and email, allowing him to confirm the correctness of the correction.

[0062] S107: When the actual payee confirms the revised information, the payee's account name is updated to the revised payee's account name, and the accounting processing of the actual payee's corresponding payment account number is completed.

[0063] The actual beneficiary can confirm the revised information by replying via text message, clicking a confirmation link in an email, logging into the bank's app or online banking. If the actual beneficiary confirms the revised information is correct, the bank system will update the beneficiary's account name in the message to the revised beneficiary name and credit the remittance amount to the actual beneficiary's account. A confirmation notification will be sent to the actual beneficiary, informing them that the remittance has been successfully credited.

[0064] This embodiment provides a method for accounting and processing cross-border remittances. The method extracts the recipient account number and the recipient name from the cross-border remittance message in response to the obtained cross-border remittance message. The actual recipient name associated with the recipient account number is determined from the database, and it is determined whether the similarity between the recipient name and the actual recipient name is greater than the similarity threshold. If the similarity is not greater than the similarity threshold, the recipient name is corrected based on the correction rules pre-set in the rule library to obtain correction information, which includes the corrected recipient name. The correction information is sent to the actual payee. If the actual payee confirms the correction information, the payee name is updated to the corrected payee name, and the accounting processing of the corresponding recipient account number of the actual payee is completed, thereby reducing the workload of manual verification, improving efficiency, and reducing costs.

[0065] Figure 2 A schematic diagram of a cross-border remittance accounting processing method provided in an embodiment of the present application Figure 2 .like Figure 2 As shown, in Figure 1 Based on the embodiment, the accounting processing method for cross-border remittances is described in detail, including:

[0066] S201: In response to the obtained cross-border remittance message, extract the payment account number and the payee's account name from the cross-border remittance message.

[0067] Among them, step S201 is similar to step S101 and will not be repeated here.

[0068] S202: According to the payment account number, the payment account number is searched in the database to determine whether there is an actual payee account name associated with the payment account number in the database.

[0069] In cross-border remittances, after receiving a remittance message, the beneficiary bank needs to verify the accuracy of the payee information provided in the message. Specifically, based on the recipient account number, the recipient account number in the remittance message is first searched in the database to determine its authenticity. Specifically, the authenticity of the recipient account number is verified by checking whether the account number exists. By checking whether the account number exists, the recipient bank determines whether the customer corresponding to the recipient account number is a customer of the beneficiary bank. If the recipient account number exists, the recipient bank further searches the database to determine whether the actual recipient account name associated with the recipient account number exists. In other words, it is necessary to confirm whether the recipient account number in the message is consistent with the actual recipient account name recorded in the database. This process is a critical step in ensuring that funds reach the designated recipient account securely and accurately.

[0070] S203: When there is an actual payee account name associated with the payee account number in the database, the payee account name is segmented and split to obtain at least two segmented words corresponding to the payee account name.

[0071] In cross-border remittances, once the bank system confirms that the recipient account number in the message matches the record in the database, the next step is to verify the accuracy of the recipient's account name. Because account names can consist of multiple parts, such as first name, last name, and middle name, directly comparing the entire account name can fail due to spelling errors and formatting differences. Therefore, the bank system typically performs word segmentation on the recipient's account name, breaking it into multiple independent words. This word segmentation allows for more flexible handling of spelling errors, formatting differences, and cultural differences, improving the matching success rate.

[0072] Specifically, suppose the actual beneficiary name obtained from the database by the bank system is John Michael Smith. Extract the beneficiary name: John Michael Smith, and split it into three words: John, Michael, and Smith.

[0073] S204: Perform character standardization processing on at least two segmented words to obtain standardized segmented words corresponding to the at least two segmented words.

[0074] After the payee's account name is segmented, the next step is to perform character standardization on each segment. Character standardization converts the segments into a unified format, making subsequent similarity calculations and verification more accurate and efficient. Standardization eliminates spelling errors, capitalization discrepancies, and interference from special characters, thereby improving the matching success rate.

[0075] Specifically, common standardization processes include but are not limited to: unifying uppercase and lowercase letters, removing special characters, and unifying character encoding.

[0076] S205: Calculate the similarity between the standardized segmented words and the actual payee's account name.

[0077] After the bank's system performs word segmentation and character standardization on the recipient's name, the next step is to calculate the similarity between each standardized word segment and the actual recipient's name. This similarity calculation measures the degree of similarity between two character strings to determine whether they are close enough to decide whether to accept the remittance.

[0078] S206: Determine whether the similarity is greater than a similarity threshold; if so, execute step S207; if not, execute step S208.

[0079] Among them, step S206 is similar to step S103 and will not be repeated here.

[0080] S207: Based on the correction rules pre-set in the rule library, the payee's account name is automatically corrected to obtain the corrected payee's account name, and the payee's account name is corrected to the automatically corrected payee's account name, and the accounting processing of the actual payee's corresponding payment account number is completed.

[0081] Among them, step S207 is similar to step S104 and will not be repeated here.

[0082] S208: Based on the correction rules preset in the rule library, the payee's account name is corrected to obtain correction information, which includes the corrected payee's account name.

[0083] Among them, step S208 is similar to step S105 and will not be repeated here.

[0084] Optionally, determining a difference type corresponding to the correction information according to the correction information;

[0085] A clustering algorithm is used to analyze and process any one of the at least one difference type to obtain frequency data of the any one difference type.

[0086] A new correction rule is determined for the difference type corresponding to the frequency exceeding the first threshold, and the correction rule is added to the correction rule library, wherein the correction rule includes but is not limited to: order reversal, alias replacement, and equivalent abbreviation.

[0087] In cross-border remittances, after the bank system corrects the beneficiary's account name, it generates correction information. To further optimize the correction rule base, the bank system analyzes the correction information, identifies common discrepancies, and generates new correction rules based on these discrepancies. This process helps improve the system's ability to handle similar errors, reduces manual intervention, and improves processing efficiency.

[0088] It can be understood that the household name information before and after the correction is extracted from the correction process. The correction information is analyzed to determine the difference type of the household name before and after the correction. Common difference types include, for example, spelling errors, reversed order, alias replacement, and equivalent abbreviations. Use a clustering algorithm to analyze and process the correction information. Convert the correction information into a feature vector, for example, the number of times misspelled characters are replaced, the position change of reversed characters, etc. is used as a feature. Cluster the feature vectors and classify similar correction information into the same category. Calculate the frequency data of each difference type. Set a frequency threshold, for example, the first threshold is 10 times. Filter out the difference types whose frequency exceeds the first threshold from the clustering results. Generate new correction rules for high-frequency difference types and add them to the correction rule library.

[0089] By analyzing correction information and identifying common discrepancies, we can generate new correction rules, optimize the correction rule base, and improve the system's automated processing capabilities. These new correction rules can automatically handle similar errors, reducing the need for manual intervention and improving processing efficiency. Through cluster analysis and rule generation, the system can better adapt to new error patterns and enhance robustness.

[0090] S209: Send the revised information to the actual payee.

[0091] Among them, step S209 is similar to step S106 and will not be repeated here.

[0092] S210: When the actual payee confirms the revised information, the payee's account name is updated to the revised payee's account name, and the accounting processing of the actual payee's corresponding payment account number is completed.

[0093] Among them, step S210 is similar to step S107 and will not be repeated here.

[0094] Optionally, in the event that the actual payee rejects the correction information, a correction rule corresponding to the correction information is determined.

[0095] The correction rule is marked as rejected in the correction rule library, and the number of times the correction rule is rejected is recorded.

[0096] When the number of rejections exceeds a second threshold, the revised rule is marked and downgraded.

[0097] After the bank system modifies the payee's account name, it sends the correction information to the actual payee for confirmation. If the actual payee rejects the correction, it indicates that there may be problems with the correction results. To optimize the correction rule base, the bank system needs to record and analyze these rejected correction rules and, if necessary, downgrade them. This process helps improve the accuracy of the correction rules and the overall performance of the system.

[0098] It is understandable that rejected correction information is extracted from the actual payee's feedback, and the correction rule corresponding to the correction information is determined. In the correction rule library, the correction rule is marked as "rejected" and the number of times the correction rule has been rejected is recorded. A second threshold is set, for example, 5 times. Check whether the number of times the correction rule has been rejected exceeds the second threshold. If the number of rejections exceeds the second threshold, the correction rule is downgraded. Demotion can, for example, reduce the priority of the rule, temporarily disable the rule, or require manual review.

[0099] Specifically, the beneficiary account name extracted from the remittance message is: John Smiht, and the actual beneficiary account name is: John Smith. The bank system corrects the beneficiary account name extracted from the remittance message from: John Smiht to: John Smith according to the correction rule R001, and sends the correction information to the actual beneficiary John Smith. The actual beneficiary rejected the correction information, and the correct account name should be John Smyth. Mark rule R001 as "rejected" in the correction rule library, and record the number of times rule R001 has been rejected as 1. Set the second threshold to 5. Check whether the number of times rule R001 has been rejected exceeds 5 times. Currently it is 1 time, which does not exceed the threshold, so no demotion is performed for the time being. If it exceeds the threshold, the correction rule will be demoted. Demotion can be to reduce the priority of the rule, temporarily disable the rule, or require manual review.

[0100] Optionally, determining the actual payee's response speed and acceptance rate to the revised information, wherein the response speed is the waiting time for receiving the actual payee's confirmation of acceptance or rejection of the revised information, and the acceptance rate is the ratio of the number of times the actual payee accepts the revised information to the total number of times the actual payee receives the revised information;

[0101] Based on the response speed and acceptance rate, a revised information confirmation strategy is determined for the actual payee.

[0102] In cross-border remittances, the bank's system sends correction information to the actual beneficiary to confirm the correctness of the revised beneficiary account name. To optimize this process, the bank's system can analyze the actual beneficiary's response speed and acceptance rate to the correction information and, based on this data, determine a personalized correction information confirmation strategy for the actual beneficiary. This helps improve processing efficiency, reduce customer wait time, and enhance customer satisfaction.

[0103] Response speed refers to the time it takes for the actual payee to confirm or reject the correction information after receiving it. Specifically, it is calculated from the time the actual payee receives the correction information to the time the actual payee confirms or rejects the correction information.

[0104] The acceptance rate is the ratio of the number of times the actual payee accepts the revised information to the total number of times the actual payee receives the revised information. That is, the number of times the actual payee accepts the revised information divided by the total number of times the actual payee receives the revised information.

[0105] By analyzing the response speed and acceptance rate of actual payees, personalized confirmation strategies can be formulated for different actual payees, reducing manual intervention and improving processing efficiency.

[0106] This embodiment provides a method for accounting and processing cross-border remittances. Upon receiving a cross-border remittance message, this method extracts the recipient account number and name and searches a database for the corresponding actual beneficiary's name. After segmenting and standardizing the account name, the similarity between the name and the actual account name is calculated. If the similarity is below a threshold, the account name is automatically corrected according to a rule base and sent to the beneficiary for confirmation. If the similarity is above the threshold, accounting is automatically completed. This method supports the automatic generation of new rules based on correction records, the optimization of existing rules, and the adjustment of confirmation strategies based on user response behavior. This improves the efficiency and accuracy of automated processing, reduces manual intervention, and significantly enhances the efficiency of cross-border transfers.

[0107] Figure 3 This is a schematic diagram of the structure of a cross-border remittance accounting processing device provided by this application. Figure 3 As shown, the present application provides a cross-border remittance accounting processing device, and the cross-border remittance accounting processing device 300 includes:

[0108] The processing module 301 is configured to extract the beneficiary account number and the beneficiary name from the cross-border remittance message in response to the obtained cross-border remittance message;

[0109] Determination module 302, for determining the actual payee account name associated with the payment account from the database;

[0110] A judgment module 303 is used to judge whether the similarity between the payee account name and the actual payee account name is greater than a similarity threshold;

[0111] The processing module 301 is further configured to, when the similarity is not greater than the similarity threshold, modify the payee's account name based on a modification rule preset in a rule library to obtain modification information, wherein the modification information includes the modified payee's account name;

[0112] A sending module 304 is configured to send the correction information to the actual payee;

[0113] The processing module 301 is also used to update the actual payee's account name to the revised payee's account name when the actual payee confirms the revised information, and complete the accounting processing of the actual payee's corresponding payment account number.

[0114] Optionally, the processing module 301 is also used to automatically correct the payee's account name based on the correction rules pre-set in the rule base when the similarity is greater than the similarity threshold, obtain the corrected payee's account name, correct the payee's account name to the automatically corrected payee's account name, and complete the accounting processing of the actual payee's corresponding payment account number.

[0115] Optionally, the determining module 302 is further configured to determine, based on the correction information, a difference type corresponding to the correction information;

[0116] The processing module 301 is further configured to analyze and process any one of the at least one difference type using a clustering algorithm to obtain frequency data of the any one difference type;

[0117] The determination module 302 is further configured to determine a new correction rule for the difference type corresponding to the frequency exceeding the first threshold;

[0118] The processing module 301 is further configured to add the correction rule to the correction rule library, wherein the correction rule includes but is not limited to: order reversal, alias replacement, and equivalent abbreviation.

[0119] Optionally, the determining module 302 is further configured to determine a correction rule corresponding to the correction information if the actual payee rejects the correction information;

[0120] The processing module 301 is further configured to mark the correction rule as rejected in the correction rule library, and record the number of times the correction rule is rejected;

[0121] The processing module 301 is further configured to mark the revised rule and perform a weight reduction process on the revised rule when the number of rejections exceeds a second threshold.

[0122] Optionally, the determining module 302 is further configured to determine a response speed and an acceptance rate of the actual payee to the revised information, wherein the response speed is the waiting time for receiving the actual payee's confirmation of acceptance or rejection of the revised information, and the acceptance rate is the ratio of the number of times the actual payee accepts the revised information to the total number of times the actual payee receives the revised information;

[0123] The determination module 302 is further configured to determine a revised information confirmation strategy for the actual payee based on the response speed and acceptance rate.

[0124] Optionally, the determining module 302 is further configured to query the payment account in the database based on the payment account, and determine whether there is an actual payee account name associated with the payment account in the database;

[0125] The determining module 302 is further configured to determine the similarity between the payee account name and the actual payee account name when there is an actual payee account name associated with the payee account in the database;

[0126] The judgment module 303 is further configured to judge whether the similarity is greater than the similarity threshold.

[0127] Optionally, the device further includes: a calculation module 305;

[0128] The processing module 301 is further configured to perform word segmentation processing on the payee's account name to obtain at least two word segments corresponding to the payee's account name;

[0129] The processing module 301 is further configured to perform character standardization processing on the at least two segmented words to obtain standardized segmented words corresponding to the at least two segmented words;

[0130] The calculation module is used to calculate the similarity between the standardized word segmentation and the actual payee account name.

[0131] The implementation principle and technical effects of the cross-border remittance accounting processing device provided in the embodiment of the present application are similar to the implementation methods of the various parts of the aforementioned cross-border remittance accounting processing method, and will not be repeated here.

[0132] Figure 4 This is a schematic diagram of the structure of a cross-border remittance accounting processing device provided by this application. Figure 4 As shown, the present application provides a cross-border remittance accounting processing device, and the cross-border remittance accounting processing device 400 includes: a receiver 401, a transmitter 402, a processor 403 and a memory 404.

[0133] Receiver 401, for receiving instructions and data;

[0134] Transmitter 402, used to send instructions and data;

[0135] Memory 404, for storing computer-executable instructions;

[0136] The processor 403 is configured to execute the computer-executable instructions stored in the memory 404 to implement the various steps of the cross-border remittance accounting processing method in the above embodiment. For details, please refer to the relevant description in the embodiment of the cross-border remittance accounting processing method.

[0137] Optionally, the memory 404 may be independent or integrated with the processor 403 .

[0138] When the memory 404 is independently provided, the electronic device further includes a bus for connecting the memory 404 and the processor 403 .

[0139] The implementation principle and technical effects of the electronic device provided in this embodiment can be found in the aforementioned embodiments and will not be described in detail here.

[0140] An embodiment of the present application further provides a computer-readable storage medium, wherein the computer-readable storage medium stores computer-executable instructions. When a processor executes the computer-executable instructions, the method described in any of the above embodiments is implemented.

[0141] An embodiment of the present application further provides a computer program product, including a computer program, which implements the method described in any of the aforementioned embodiments when executed by a processor.

[0142] It should be noted that for the aforementioned method embodiments, for the sake of simplicity, they are all expressed as a series of action combinations, but those skilled in the art should be aware that this application is not limited by the order of the actions described, because according to this application, certain steps can be performed in other orders or simultaneously. Secondly, those skilled in the art should also be aware that the embodiments described in this specification are all optional embodiments, and the actions and modules involved are not necessarily required by this application.

[0143] It should be further noted that, although the various steps in the flowchart are shown in sequence as indicated by the arrows, these steps are not necessarily performed in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order restriction on the execution of these steps, and these steps may be performed in other orders. Moreover, at least a portion of the steps in the flowchart may include multiple sub-steps or multiple stages, and these sub-steps or stages are not necessarily performed at the same time, but may be performed at different times. The execution order of these sub-steps or stages is not necessarily to be performed in sequence, but may be performed in turn or alternately with other steps or at least a portion of the sub-steps or stages of other steps.

[0144] It should be understood that the above-described device embodiments are merely illustrative, and the device of the present application may also be implemented in other ways. For example, the division of units / modules in the above-described embodiments is merely a logical functional division, and actual implementations may employ other division methods. For example, multiple units, modules, or components may be combined or integrated into another system, or some features may be omitted or not implemented.

[0145] In addition, unless otherwise specified, the functional units / modules in the various embodiments of the present application may be integrated into a single unit / module, each unit / module may exist physically separately, or two or more units / modules may be integrated together. The aforementioned integrated units / modules may be implemented in the form of hardware or software program modules.

[0146] In the above embodiments, the description of each embodiment has its own emphasis. For parts not described in detail in a particular embodiment, please refer to the relevant description of other embodiments. The technical features of the above embodiments can be combined in any way. To keep the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0147] Those skilled in the art will readily appreciate other embodiments of the present application after considering the specification and practicing the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the present application that follow the general principles of the present application and include common knowledge or customary techniques in the art not disclosed herein. The description and examples are to be considered as exemplary only, and the true scope and spirit of the present application are indicated by the following claims.

[0148] It should be understood that the present application is not limited to the exact structure described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present application is limited only by the appended claims.

Claims

1. A cross-border remittance accounting processing method, characterized in that: include: In response to the obtained cross-border remittance message, extracting the beneficiary account number and the beneficiary account name from the cross-border remittance message; Determining from a database the actual payee account name associated with the payment account, and determining whether the similarity between the payee account name and the actual payee account name is greater than a similarity threshold; If the similarity is not greater than the similarity threshold, the payee account name is modified based on a modification rule preset in a rule library to obtain modification information, wherein the modification information includes the modified payee account name; The correction information is sent to the actual payee. If the actual payee confirms the correction information, the payee account name is updated to the corrected payee account name, and the accounting processing of the actual payee's corresponding payment account number is completed.

2. The method according to claim 1, characterized in that The method further comprises: When the similarity is greater than the similarity threshold, the payee account name is automatically corrected based on the correction rules pre-set in the rule base to obtain the corrected payee account name, and the payee account name is corrected to the automatically corrected payee account name, and the accounting processing of the actual payee's corresponding payment account is completed.

3. The method according to claim 2, characterized in that After the actual payee confirms the revised information, the method further includes: Determining, based on the correction information, a difference type corresponding to the correction information; Using a clustering algorithm to analyze and process any one of the at least one difference type to obtain frequency data of the any one difference type; A new correction rule is determined for the difference type corresponding to the frequency exceeding the first threshold, and the correction rule is added to the correction rule library, wherein the correction rule includes but is not limited to: order reversal, alias replacement, and equivalent abbreviation.

4. The method according to claim 3, characterized in that The method further comprises: In the event that the actual payee rejects the correction information, determining a correction rule corresponding to the correction information; Marking the correction rule as rejected in the correction rule library and recording the number of times the correction rule is rejected; When the number of rejections exceeds a second threshold, the revised rule is marked and downgraded.

5. The method according to claim 4, characterized in that After sending the revised information to the actual payee, the method further includes: Determining the actual payee's response speed and acceptance rate to the revised information, where the response speed is the waiting time for receiving the actual payee's confirmation of acceptance or rejection of the revised information, and the acceptance rate is the ratio of the number of times the actual payee accepts the revised information to the total number of times the actual payee receives the revised information; Based on the response speed and acceptance rate, a revised information confirmation strategy is determined for the actual payee.

6. The method according to claim 1, characterized in that The determining of the actual payee account name associated with the payment account from the database, and judging whether the similarity between the payee account name and the actual payee account name is greater than a similarity threshold, includes: According to the payment account, query the payment account in the database to determine whether there is an actual payee account name associated with the payment account in the database; If there is an actual payee account name associated with the payment account in the database, determining the similarity between the payee account name and the actual payee account name; It is determined whether the similarity is greater than the similarity threshold.

7. The method according to claim 6, characterized in that The determining of the similarity between the payee account name and the actual payee account name includes: Performing word segmentation processing on the payee account name to obtain at least two word segmentations corresponding to the payee account name; Performing character standardization processing on the at least two segmented words to obtain standardized segmented words corresponding to the at least two segmented words; Calculate the similarity between the standardized word segmentation and the actual payee account name.

8. A cross-border remittance accounting processing device, comprising: a processing module, configured to extract a payment account number and a payee name from the cross-border remittance message in response to the obtained cross-border remittance message; A determination module, configured to determine from a database the name of an actual payee associated with the payment account; A judgment module, configured to judge whether the similarity between the payee's account name and the actual payee's account name is greater than a similarity threshold; The processing module is further configured to, when the similarity is not greater than the similarity threshold, perform correction processing on the payee's account name based on a correction rule preset in a rule library to obtain correction information, wherein the correction information includes the corrected payee's account name; A sending module, configured to send the correction information to the actual payee; The processing module is also used to update the actual payee's account name to the revised payee's account name when the actual payee confirms the revised information, and complete the accounting processing of the actual payee's corresponding payment account number.

9. An electronic device, characterized in that: include: a processor, and a memory communicatively connected to the processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory to implement the method according to any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that The computer-readable storage medium stores computer-executable instructions, which are used to implement the method according to any one of claims 1 to 7 when executed by a processor.

11. A computer program product, characterized in that The invention comprises a computer program, which implements the method according to any one of claims 1 to 7 when being executed by a processor.

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