Method and device for identifying information of payment outlets of other bank cards receiving payment

Abstract

The method and device for identifying information of a receiving bank and a receiving outlet of a card from another bank provided in an embodiment of the present invention are suitable for the financial field. The method comprises: obtaining a receiving card number input by a current customer; searching for a corresponding receiving bank and a receiving outlet in a pre-acquired card number-receiving bank correspondence table and a card number-receiving outlet correspondence table according to the receiving card number; and feeding back the receiving bank and the receiving outlet card number to the current customer. By adopting the above technical solution, dynamic collection and use of receiving card numbers, receiving banks and receiving outlet information of cards from another bank can be realized, thereby improving the intelligent service level of the system and reducing unnecessary consumption of system resources.

Description

Technical Field

[0001] The present invention relates to the field of intelligent banking technology, and in particular to a method and device for identifying information of a payment collection outlet of a bank receiving payment via a third-party card. Background Art

[0002] With the development of the Internet industry, customers have higher and higher requirements for ease of use. Commercial banks are also trying to reduce customers' own input and judgment in the service process, and provide customers with intelligent services as much as possible. At present, when commercial banks handle remittance business for customers, customers are usually required to enter the name of the payee, the receiving card / account number, the receiving bank, and in some cases, the receiving bank branch information. Through research, various banks are unable to identify the receiving branches of other banks' cards; or, for the receiving bank, by collecting the corresponding relationship between the card bin and the receiving bank at one time, matching after the customer inputs, but because the collected information is limited, the recognition accuracy is very low and there are inaccuracies. Customers need to make complex confirmations during the remittance process, and when the customer inputs incorrectly, the system cannot make a judgment. After the remittance is initiated, the customer's transaction will fail due to incorrect information, and even lose the handling fee, which is also an unnecessary consumption of system resources. Summary of the invention

[0003] In response to the problems in the prior art, the present invention provides a method and device for identifying the information of a bank and a collection outlet for receiving a card from another bank, an electronic device, and a computer-readable storage medium, which can at least partially solve the problems existing in the prior art, realize the dynamic collection and use of the card number of a bank and the information of the receiving bank and the collection outlet for receiving a card from another bank, improve the intelligent service level of the system, and reduce unnecessary consumption of system resources.

[0004] In order to achieve the above object, the present invention adopts the following technical solution:

[0005] In a first aspect, a method for identifying information of a bank receiving payment points for a payment card of another bank is provided, comprising:

[0006] Get the payment card number entered by the current customer;

[0007] Retrieving the corresponding receiving bank and receiving outlet from the pre-acquired card number-receiving bank correspondence table and card number-receiving outlet correspondence table according to the receiving card number;

[0008] The receiving bank and the receiving outlet card number are fed back to the current customer.

[0009] Furthermore, the method for identifying the information of the receiving bank outlets of the other-bank card receiving bank also includes:

[0010] If there are multiple corresponding receiving banks and / or multiple receiving outlets retrieved, no feedback is given to the current user or multiple receiving banks and / or multiple receiving outlets are given to the current user as alternatives.

[0011] Furthermore, the method for identifying the information of the receiving bank outlets of the other-bank card receiving bank also includes:

[0012] Obtain the bank's successful historical remittance transaction information when processing customer remittance business;

[0013] Extracting the original information table of the correspondence between the receiving card number and the receiving bank and receiving outlet according to the successful remittance historical transaction information;

[0014] Sequentially intercept the first N to the first NM digits of the payment card number in the original information table to obtain M+1 card number-payment bank correspondence tables;

[0015] If there are duplicate records with the same payment card number, payment bank and payment outlet after intercepting the payment card number, the duplicate records are merged into one record.

[0016] Furthermore, the method for identifying the information of the receiving bank outlets of the other-bank card receiving bank also includes:

[0017] Get incremental successful remittance transaction records;

[0018] According to the incremental successful remittance transaction records, M+1 card number-receiving bank correspondence tables are traversed and matched, and the number of successful matches for each record in each relationship table is recorded;

[0019] According to the total number of successful matches in each relationship table, the card number-collecting bank correspondence table and the card number-collecting outlet correspondence table used for identifying the information of the collecting bank and collecting outlet of other bank cards in the next cycle are selected.

[0020] Furthermore, when extracting the original information table of the correspondence between the payment card number, the payment bank and the payment outlet according to the successful remittance historical transaction information, if there are duplicate records with the same payment card number, payment bank and payment outlet, the duplicate records are merged into one record.

[0021] Furthermore, the method for identifying the information of the receiving bank outlets of the other-bank card receiving bank also includes:

[0022] The successful remittance historical transaction information is desensitized.

[0023] In a second aspect, a device for identifying information of a bank receiving a payment via a card of another bank is provided, comprising:

[0024] The payment card number acquisition module obtains the payment card number entered by the current customer;

[0025] A card number matching module, which searches for the corresponding receiving bank and receiving outlet in the pre-acquired card number-receiving bank correspondence table and the card number-receiving outlet correspondence table according to the receiving card number;

[0026] The feedback module feeds back the receiving bank and the receiving outlet card number to the current customer.

[0027] Furthermore, the other bank card payment bank payment point information identification device also includes:

[0028] The feedback control module does not provide feedback to the current user or provides multiple payment banks and / or multiple payment outlets as alternatives to the current user if the corresponding payment banks and / or payment outlets retrieved are multiple.

[0029] Furthermore, the other bank card payment bank payment point information identification device also includes:

[0030] The transaction information acquisition module obtains the bank's successful remittance history transaction information when processing customer transfer and remittance business;

[0031] An original table creation module extracts an original information table of the correspondence between the receiving card number and the receiving bank and receiving outlet according to the successful remittance historical transaction information;

[0032] A relationship table extraction module, which sequentially extracts the first N digits to the first NM digits of the payment card number from the original information table to obtain M+1 card number-payment bank correspondence relationship tables;

[0033] If there are duplicate records with the same payment card number, payment bank and payment outlet after intercepting the payment card number, the duplicate records are merged into one record.

[0034] According to a third aspect, an electronic device is provided, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein when the processor executes the program, the steps of the above-mentioned method for identifying information of a bank receiving payment points for cards from other banks are implemented.

[0035] In a fourth aspect, a computer-readable storage medium is provided, on which a computer program is stored, and when the computer program is executed by a processor, the steps of the above-mentioned method for identifying the information of the payment point of the bank receiving the payment by the other bank card are implemented.

[0036] The method and device for identifying information of a receiving bank and a receiving outlet of a card from another bank provided in an embodiment of the present invention are suitable for the financial field. The method comprises: obtaining a receiving card number input by a current customer; searching for a corresponding receiving bank and a receiving outlet in a pre-acquired card number-receiving bank correspondence table and a card number-receiving outlet correspondence table according to the receiving card number; and feeding back the receiving bank and the receiving outlet card number to the current customer. By adopting the above technical solution, dynamic collection and use of receiving card numbers, receiving banks and receiving outlet information of cards from another bank can be realized, thereby improving the intelligent service level of the system and reducing unnecessary consumption of system resources.

[0037] In order to make the above and other purposes, features and advantages of the present invention more obvious and easy to understand, preferred embodiments are specifically cited below and described in detail with reference to the accompanying drawings. BRIEF DESCRIPTION OF THE DRAWINGS

[0038] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the prior art descriptions. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0039] Figure 1 is a schematic diagram of the architecture between the server S1 and the client device B1 in an embodiment of the present invention;

[0040] Figure 2 Schematic diagram of the architecture between the server S1, the client device B1 and the database server S2 in an embodiment of the present invention;

[0041] Figure 3 This is a schematic diagram of the process of the method for identifying the information of the receiving bank of a bank card receiving payment in an embodiment of the present invention. Figure 1 ;

[0042] Figure 4 This is a schematic diagram of the process of the method for identifying the information of the receiving bank of a bank card receiving payment in an embodiment of the present invention. Figure 2 ;

[0043] Figure 5 This is a schematic diagram of the process of the method for identifying the information of the receiving bank of a bank card receiving payment in an embodiment of the present invention. Figure 3 ;

[0044] Figure 6 The application architecture of the embodiment of the present invention is shown;

[0045] Figure 7 The structure of the relationship table in the embodiment of the present invention is shown;

[0046] Figure 8 The specific implementation process of the embodiment of the present invention is illustrated by example;

[0047] Fig. 9 It shows a structural block diagram of a payment point information identification device for a bank receiving payment via a card of another bank in an embodiment of the present invention;

[0048] Fig.10 4 is a structural diagram of an electronic device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0049] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present application.

[0050] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0051] It should be noted that the terms "including" and "having" and any variations thereof in the specification and claims of the present application and the above-mentioned drawings are intended to cover non-exclusive inclusions. For example, a process, method, system, product or apparatus comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or apparatuses.

[0052] It should be noted that, in the absence of conflict, the embodiments and features in the embodiments of the present application can be combined with each other. The present application will be described in detail below with reference to the accompanying drawings and in combination with the embodiments.

[0053] Customers need to make complex confirmations during the remittance process, and the system cannot make a judgment when the customer makes an error in input. After the remittance is initiated, the customer's transaction will ultimately fail due to incorrect information, and the customer may even lose handling fees. This is also an unnecessary consumption of system resources.

[0054] In order to at least partially solve the above-mentioned technical problems existing in the prior art, an embodiment of the present invention provides a method for identifying information of a bank and a collection outlet for receiving a card from another bank, thereby realizing the dynamic collection and use of information of a card number, a receiving bank and a collection outlet for receiving a card from another bank, thereby improving the intelligent service level of the system and reducing unnecessary consumption of system resources.

[0055] In view of this, the present application provides a device for identifying information of a bank receiving a payment from another bank, which may be a server S1, see Figure 1 , the server S1 can be connected to at least one client device B1 for communication, the client device B1 can send the payment card number to the server S1, and the server S1 can receive the payment card number online. The server S1 can pre-process the acquired payment card number online or offline, and retrieve the corresponding payment bank and payment outlet in the pre-acquired card number-payment bank correspondence table and card number-payment outlet correspondence table according to the payment card number. Then, the server S1 can feed back the payment bank and payment outlet card number to the client device B1. The client device B1 can receive the payment bank and payment outlet card number online.

[0056] Also, see Figure 2 , the server S1 can also be connected to at least one database server S2 for communication, and the database server S2 is used to store successful remittance historical transaction information. The database server S2 sends the successful remittance historical transaction information to the server S1 online, and the server S1 can receive the successful remittance historical transaction information online, and then extract the original information table of the correspondence between the payment card number and the payment bank and the payment outlet according to the successful remittance historical transaction information; in the original information table, the first N to the first NM digits of the payment card number are intercepted in sequence to obtain M+1 card number-payment bank correspondence tables; wherein, if there are duplicate records with the same payment card number, payment bank and payment outlet after intercepting the payment card number, the duplicate records are merged into one record.

[0057] Based on the above content, the client device B1 may have a display interface, so that the user can view the receiving bank and the receiving outlet card number sent by the server S1 according to the interface.

[0058] It is understandable that the client device B1 may include a smart phone, a tablet electronic device, a network set-top box, a portable computer, a desktop computer, a personal digital assistant (PDA), a vehicle-mounted device, a smart wearable device, etc. Among them, the smart wearable device may include smart glasses, a smart watch, a smart bracelet, etc.

[0059] In practical applications, the part of identifying the information of the receiving bank of the other bank card can be executed on the server S1 side as described above, that is, Figure 1 The architecture shown in the figure can also be that all operations are completed in the client device B1, and the client device B1 can be directly connected to the database server S2 for communication. The specific selection can be made according to the processing capability of the client device B1 and the restrictions of the user's usage scenario. This application does not limit this. If all operations are completed in the client device B1, the client device B1 can also include a processor for specific processing of identifying the information of the bank receiving the payment of other bank cards.

[0060] The server and the client device may communicate using any suitable network protocol, including network protocols that have not yet been developed on the date of filing this application. The network protocol may include, for example, TCP / IP protocol, UDP / IP protocol, HTTP protocol, HTTPS protocol, etc. Of course, the network protocol may also include, for example, RPC protocol (Remote Procedure Call Protocol) and REST protocol (Representational State Transfer) used on top of the above protocols.

[0061] Figure 3 This is a schematic diagram of the process of the method for identifying the information of the receiving bank of a bank card receiving payment in an embodiment of the present invention. Figure 1 ;like Figure 3 As shown, the method for identifying the information of the receiving bank outlets of the other bank card receiving bank is suitable for the inter-bank remittance business of the bank, and may include the following contents:

[0062] Step S100: Obtain the payment card number currently input by the customer;

[0063] Specifically, the bank card number is generally composed of 13-19 digits, which are composed of three parts: "card BIN + issuing bank self-location + check digit". Usually the first 6 digits are the card BIN (there are exceptions). The issuing bank self-location can usually reflect the card issuing area, outlets and other information. The final check digit is calculated according to the Luhn formula based on the previous digits. Therefore, the more digits of the same digits in the front of the two cards, the higher the probability that the information of the receiving bank and the receiving outlet of the two cards is consistent.

[0064] Step S200: searching for the corresponding receiving bank and receiving outlet in the pre-acquired card number-receiving bank correspondence table and card number-receiving outlet correspondence table according to the receiving card number;

[0065] It is worth noting that if the corresponding retrieved payment banks are multiple and / or payment outlets are multiple, they will not be fed back to the current user or multiple payment banks and / or multiple payment outlets will be fed back to the current user as alternatives.

[0066] Step S300: Feedback the receiving bank and the receiving outlet card number to the current customer.

[0067] Among them, by continuously collecting the information of the receiving bank and receiving outlets corresponding to the payment card through the massive successful remittance records held by the bank, the receiving bank and receiving outlet information are automatically matched for the customer, reducing or avoiding the trouble of customers confirming the receiving bank and receiving outlet information and entering it, thereby improving the customer's transaction success rate and reducing unnecessary consumption of system resources.

[0068] In an alternative embodiment, see Figure 4 The method for identifying the information of the receiving bank outlets of the other bank card receiving bank may also include:

[0069] Step S400: Acquire the bank's successful remittance history transaction information in processing the customer's remittance business;

[0070] Among them, banks obtain a large amount of transaction information of successful remittances in the process of handling customer transfer and remittance business. After desensitizing the collection information, they can obtain a large number of original information tables of the correspondence between card numbers and receiving banks and receiving outlets.

[0071] Step S500: extracting the original information table of the correspondence between the payment card number and the payment bank and payment outlet according to the successful remittance historical transaction information;

[0072] Among them, by cyclically simplifying and deduplicating the acquired information, a correspondence table of different recognition accuracy rates and different recognition efficiencies can be obtained. The correspondence table used can be dynamically adjusted for the identification of the receiving bank and the receiving outlet, thereby improving the system performance while ensuring the recognition success rate.

[0073] It is worth noting that when extracting the original information table, if there are duplicate records with the same payment card number, payment bank and payment outlet, the duplicate records will be merged into one record.

[0074] Step S600: sequentially intercept the first N to the first NM digits of the payment card number in the original information table to obtain M+1 card number-payment bank correspondence tables;

[0075] If there are duplicate records with the same payment card number, payment bank and payment outlet after intercepting the payment card number, the duplicate records are merged into one record.

[0076] Specifically, in order to facilitate understanding of the detailed processing flow of the system, the following introduces the structure and characteristics of the data table built, see Figure 7 :

[0077] 1. Original information table: For a large amount of remittance information, extract the records of successful remittances, and extract the information such as the receiving card number, receiving bank, and receiving outlet. Filter the sensitive customer information such as account name, amount, and remarks, and remove duplicates before putting them into the original information table. The original information table stores the complete card number and the corresponding receiving bank and receiving outlet information, and this table also has the largest amount of data.

[0078] 2. Correspondence table: Based on the original information table, the first 18 digits of the card number are intercepted, and the receiving bank and receiving outlet information are put into the corresponding relationship table 18 (for easy distinction, the table name is distinguished by the number of digits in the card number). After deleting one digit, there may be duplicate records. Therefore, if the receiving bank (or receiving outlet information) is the same during the information collection process, it will be merged and included in the relationship table. If the receiving bank (or receiving outlet information) in the duplicate records is different, the two records will be included in the relationship table at the same time. The corresponding information table of different card number digits and receiving banks and receiving outlets is obtained by analogy. The initial number of successful recognitions is set to 0. It is not difficult to infer from this process that the longer the number of digits of the receiving card number, the more accurate the corresponding relationship with the receiving bank and receiving outlet, the larger the data volume, and the smaller the probability of matching during use. On the contrary, the more ambiguous the corresponding relationship, the smaller the data volume, but the higher the matching success rate. Therefore, it is necessary to constantly balance the recognition accuracy and recognition efficiency during the system implementation process. See the next section for specific implementation methods. It should be noted that although the structures of the corresponding tables are the same, after the separate tables are stored, the payment information usage module only needs to use two corresponding tables on the same day to identify the receiving bank and the receiving outlet, which can effectively improve the system operation efficiency.

[0079] In an alternative embodiment, see Figure 5 The method for identifying the information of the receiving bank outlets of the other bank card receiving bank may also include:

[0080] Step S700: Obtain incremental successful remittance transaction records;

[0081] Specifically, in the process of performing identification using the identification technology provided by the embodiment of the present invention, new records generated are used as incremental records to update the relationship table.

[0082] Step S800: traverse and match M+1 card number-receiving bank correspondence tables according to the incremental successful remittance transaction records, and record the number of successful matches of each record in each relationship table;

[0083] Specifically, in the process of applying the recognition technology provided by the embodiment of the present invention, the table with the highest number of successful times is used for recognition. However, when the incremental data is used to update the relationship table, each relationship table is polled and updated using the incremental data.

[0084] Step S900: Filter the card number-collecting bank correspondence table and the card number-collecting outlet correspondence table for identifying the information of the collecting bank and receiving outlet of the other bank card in the next cycle according to the total number of successful matches in each relationship table.

[0085] By adopting the above technical solution, higher recognition accuracy can be achieved and system consumption can be balanced.

[0086] In order to enable those skilled in the art to better understand this application, see Figures 6 to 8 , the information identification technology of the bank receiving payment point of another bank card provided in the embodiment of the present invention is specifically described:

[0087] Figure 6 The application architecture of the embodiment of the present invention is shown; Figure 6 As shown, it is divided into three parts, namely, the collection information collection module, the collection information use module, and the use effect feedback module. The collection information collection module is responsible for the data processing of the existing successful remittance information and generates the original information table and the corresponding relationship table. The collection information use module matches the collection bank and the collection outlet according to the various information tables collected by the collection module, and transmits the incremental transaction information to the use effect feedback module in batches; the use effect feedback module polls different corresponding relationship tables, adds the incremental information to the existing corresponding relationship table, accumulates the number of successes, and confirms the corresponding relationship table used by the collection information use module according to the sorting of the number of successes.

[0088] See also Figure 8 The payment information collection system, payment information usage system and usage effect feedback system are introduced in detail as follows:

[0089] 1. Collection information collection system: The main implementation process of the collection information collection system is to obtain the customer remittance details file from the bank's historical details application, extract the records of successful remittances, and extract the collection card number, collection bank, collection outlet and other information, filter the customer sensitive information such as account name, amount, and remarks, and remove duplicates before putting them into the original information table. Based on the original information table, the first 18 digits of the card number are intercepted, and the collection bank and collection outlet information are put into the corresponding relationship table 18 (for easy distinction, so the table name is distinguished by the number of digits in the card number). After deleting one digit, there may be duplicate records. Therefore, if the collection bank (or collection outlet information) is the same during the information collection process, it will be merged and included in the relationship table. If the collection bank (or collection outlet information) in the duplicate records is different, the two records will be included in the relationship table at the same time. And so on, obtain the corresponding information table of different card number digits and collection banks and collection outlets.

[0090] 2. Usage effect feedback system: For ease of understanding, the usage effect feedback system is first introduced. In order to reduce system resource consumption, the usage effect feedback system obtains incremental remittance success records from the collection information usage system in the form of batch files. However, unlike the collection information collection system, the usage effect feedback system will intercept the first 6 digits of the card number until the 18th digit and match it with the existing correspondence table. If it can be matched, the number of successes will be recorded. If it cannot be matched, it will be placed in the correspondence table as incremental data and the number of successes will not be recorded. And by calculating the proportion of successful recognition times of each correspondence table, a correspondence table with a higher recognition accuracy can be obtained as the correspondence table used by the current collection information usage system. Through practice, the correspondence table used by the collection bank and the collection outlet is not the same, and the collection outlet information requires more card number digits.

[0091] 3. Payment information usage system: After the customer completes the card number input, the payment information usage system matches the corresponding relationship table of the payment bank confirmed by the usage effect feedback system. After the match is successful, the payment bank information is displayed to the customer, and the customer modification function is provided. After the customer enters the amount, he can confirm whether the customer needs to match the branch information. If necessary, the payment branch information is also matched according to the payment branch information confirmed by the usage effect feedback system. After the match is successful, the payment branch information is displayed to the customer, and the customer modification function is provided. After the customer completes the remittance, the customer's successful remittance information is transmitted to the usage effect feedback system in the form of a batch file.

[0092] It is worth noting that the beneficiary bank identification and the beneficiary outlet identification process are the same, but for the beneficiary bank, only the first few digits need to be intercepted to achieve the expected effect. The beneficiary outlet identification process is relatively more complicated. To facilitate everyone's understanding of this method and system, some data are used as examples to illustrate the processing logic of the system to implement key processes. To increase persuasiveness, the data cited in the examples are all real desensitized data.

[0093] First, the correspondence between the complete card number and the payment point information is given. It can be seen that the more digits the two cards have in common, the higher the probability that the payment points are the same.

[0094] 6212260200058276656 Industrial and Commercial Bank of China Limited Beijing Building Materials City East Road Branch 6212260200058276631 Industrial and Commercial Bank of China Limited Beijing Building Materials City East Road Branch 6212260200058276532 Industrial and Commercial Bank of China Limited Beijing Building Materials City East Road Branch 6212260200058275815 Industrial and Commercial Bank of China Limited Beijing Building Materials City East Road Branch 6212260200058270410 Industrial and Commercial Bank of China Limited Beijing Chengfu Road Branch 6212260200058270428 Industrial and Commercial Bank of China Limited Beijing Chengfu Road Branch

[0095] Different correspondence tables are established by truncating different digits. In order to illustrate the processing logic, only the most explanatory correspondence table for these data is exemplified here.

[0096] Take the first 12 bits and create the corresponding table 12:

[0097] 6212260200058276 Industrial and Commercial Bank of China Limited Beijing Building Materials City East Road Branch 6212260200058275 Industrial and Commercial Bank of China Limited Beijing Building Materials City East Road Branch 6212260200058270 Industrial and Commercial Bank of China Limited Beijing Chengfu Road Branch

[0098] Take the first 11 bits and create the corresponding table 11:

[0099] 621226020005827 Industrial and Commercial Bank of China Limited Beijing Building Materials City East Road Branch 621226020005827 Industrial and Commercial Bank of China Limited Beijing Chengfu Road Branch

[0100] 1. Use the effect feedback system to confirm the current comparison relationship table process: the customer's new transaction data is identified through these two relationship tables respectively. For example, the card number 6212260200058270436 can be accurately identified by corresponding relationship table 12, but cannot be accurately identified by corresponding relationship table 11. Through the accumulation of the number of successes, the system will define the currently available corresponding relationship table as corresponding relationship table 11.

[0101] 2. Incremental data supplementation process: The customer's new transaction data is identified through these two relationship tables respectively. For example, if 6212260200058270147 cannot be matched with the corresponding relationship table 11 and the corresponding relationship table 12, it will be supplemented to the corresponding relationship table 11 and the corresponding relationship table 12 as incremental data. If there is a card number identification such as 6212260200058270154, the match can be completed.

[0102] In summary, the recognition technology provided by the embodiment of the present invention can automatically identify the bank and outlet information of the receiving bank of the other bank card, improve the transaction success rate, and reduce unnecessary system consumption. By batch supplementing incremental data and dynamically adjusting the matching relationship table, the system resource consumption is reduced while ensuring the recognition accuracy.

[0103] Based on the same inventive concept, the embodiments of the present application also provide a device for identifying the information of a collection point of a bank for receiving card payments from another bank, which can be used to implement the method described in the above embodiments, as described in the following embodiments. Since the principle of solving the problem by the device for identifying the information of a collection point of a bank for receiving card payments from another bank is similar to that of the above methods, the implementation of the device for identifying the information of a collection point of a bank for receiving card payments from another bank can refer to the implementation of the above methods, and the repeated parts will not be repeated. As used below, the terms "unit" or "module" can be a combination of software and / or hardware that implements a predetermined function. Although the devices described in the following embodiments are preferably implemented in software, the implementation in hardware, or a combination of software and hardware, is also possible and conceivable.

[0104] Fig. 9 This is the structural frame of the other bank card payment bank payment point information identification device in the embodiment of the present invention. Figure 1 .like Fig. 9 As shown, the other-bank card payment bank payment point information identification device specifically includes: a payment card number acquisition module 10, a card number matching module 20 and a feedback module 30.

[0105] The payment card number acquisition module 10 acquires the payment card number currently input by the customer;

[0106] The card number matching module 20 retrieves the corresponding receiving bank and receiving outlet from the pre-acquired card number-receiving bank correspondence table and the card number-receiving outlet correspondence table according to the receiving card number;

[0107] The feedback module 30 feeds back the receiving bank and the receiving outlet card number to the current customer.

[0108] By adopting the above technical solution, the information of the receiving bank and receiving outlet of other bank cards can be automatically identified, the transaction success rate can be improved, and unnecessary system consumption can be reduced. By batch supplementing incremental data and dynamically adjusting the matching relationship table, system resource consumption can be reduced while ensuring the recognition accuracy.

[0109] In an optional embodiment, the device for identifying information of receiving banks and payment outlets for other bank cards may also include: a feedback control module, if the retrieved corresponding receiving banks are multiple and / or payment outlets are multiple, then no feedback will be given to the current user or multiple receiving banks and / or multiple payment outlets will be fed back to the current user as alternatives.

[0110] In an optional embodiment, the device for identifying information of a bank receiving a payment card may further include: a transaction information acquisition module, an original table creation module, and a relationship table extraction module.

[0111] The transaction information acquisition module acquires the bank's successful remittance history transaction information in processing customer transfer and remittance business;

[0112] The original table creation module extracts the original information table of the correspondence between the payment card number and the payment bank and the payment outlet according to the successful remittance historical transaction information;

[0113] The relationship table extraction module sequentially intercepts the first N to the first NM digits of the payment card number in the original information table to obtain M+1 card number-payment bank correspondence relationship tables;

[0114] If there are duplicate records with the same payment card number, payment bank and payment outlet after intercepting the payment card number, the duplicate records are merged into one record.

[0115] The devices, modules or units described in the above embodiments may be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is an electronic device, and the electronic device may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0116] In a typical example, the electronic device specifically includes a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the program, the steps of the above-mentioned method for identifying the information of the payment point of the bank receiving payment with a card from another bank are implemented.

[0117] Reference below Fig.10 , which shows a schematic structural diagram of an electronic device 600 suitable for implementing an embodiment of the present application.

[0118] like Fig.10 As shown, electronic device 600 includes a central processing unit (CPU) 601, which can perform various appropriate operations and processes according to a program stored in a read-only memory (ROM) 602 or a program loaded from a storage portion 608 into a random access memory (RAM) 603. In RAM 603, various programs and data required for the operation of system 600 are also stored. CPU 601, ROM 602, and RAM 603 are connected to each other via a bus 604. An input / output (I / O) interface 605 is also connected to bus 604.

[0119] The following components are connected to the I / O interface 605: an input section 606 including a keyboard, a mouse, etc.; an output section 607 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 608 including a hard disk, etc.; and a communication section 609 including a network interface card such as a LAN card, a modem, etc. The communication section 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to the I / O interface 605 as needed. A removable medium 611, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 610 as needed, so that a computer program read therefrom is installed as needed as the storage section 608.

[0120] In particular, according to an embodiment of the present invention, the process described above with reference to the flowchart can be implemented as a computer software program. For example, an embodiment of the present invention includes a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the steps of the above-mentioned method for identifying the information of the bank receiving the payment of the other bank card.

[0121] In such an embodiment, the computer program may be downloaded and installed from a network via the communication section 609 , and / or installed from the removable medium 611 .

[0122] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0123] For the convenience of description, the above device is described in various units according to their functions. Of course, when implementing the present application, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0124] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0125] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0126] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0127] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0128] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.

[0129] The present application may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. The present application may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0130] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0131] The above is only an embodiment of the present application and is not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A method for identifying the information of a bank receiving payment points for a payment made by another bank, characterized in that: include: Get the payment card number entered by the current customer; Retrieving the corresponding receiving bank and receiving outlet from the pre-acquired card number-receiving bank correspondence table and card number-receiving outlet correspondence table according to the receiving card number; Feedback the receiving bank and the receiving outlet to the current customer; Also includes: Obtain the bank's successful historical remittance transaction information when processing customer remittance business; Extracting the original information table of the correspondence between the receiving card number and the receiving bank and receiving outlet according to the successful remittance historical transaction information; Sequentially intercept the first N to the first NM digits of the payment card number in the original information table to obtain M+1 card number-payment bank correspondence tables; Wherein, if there are duplicate records with the same payment card number, payment bank and payment outlet after intercepting the payment card number, the duplicate records are merged into one record; Also includes: Get incremental successful remittance transaction records; According to the incremental successful remittance transaction records, M+1 card number-receiving bank correspondence tables are traversed and matched, and the number of successful matches for each record in each relationship table is recorded; According to the total number of successful matches in each relationship table, the card number-collecting bank correspondence table and the card number-collecting outlet correspondence table used for the next cycle to identify the information of the collecting bank and collecting outlet of other bank cards are selected; by calculating the proportion of successful recognition times of each correspondence table, the correspondence table with a higher recognition accuracy is obtained as the correspondence table currently used.

2. The method for identifying the payment point information of a bank receiving payment via a card from another bank according to claim 1, characterized in that: Also includes: If there are multiple corresponding receiving banks and / or multiple receiving outlets retrieved, no feedback is given to the current user or multiple receiving banks and / or multiple receiving outlets are given to the current user as alternatives.

3. The method for identifying the information of the receiving bank outlets of the other bank card receiving bank according to claim 1, characterized in that: When extracting the original information table of the correspondence between the payment card number, the payment bank and the payment outlet according to the successful remittance historical transaction information, if there are duplicate records with the same payment card number, payment bank and payment outlet, the duplicate records will be merged into one record.

4. The method for identifying the information of the receiving bank outlets of the other bank card receiving bank according to claim 1, characterized in that: Also includes: The successful remittance historical transaction information is desensitized.

5. A device for identifying information of a bank receiving payment outlet for receiving payment via a third-party card, characterized in that: include: The payment card number acquisition module obtains the payment card number entered by the current customer; A card number matching module, which searches for the corresponding receiving bank and receiving outlet in the pre-acquired card number-receiving bank correspondence table and the card number-receiving outlet correspondence table according to the receiving card number; A feedback module, which feeds back the receiving bank and the receiving outlet to the current customer; Also includes: Obtain the bank's successful historical remittance transaction information when processing customer remittance business; Extracting the original information table of the correspondence between the receiving card number and the receiving bank and receiving outlet according to the successful remittance historical transaction information; Sequentially intercept the first N to the first NM digits of the payment card number in the original information table to obtain M+1 card number-payment bank correspondence tables; Wherein, if there are duplicate records with the same payment card number, payment bank and payment outlet after intercepting the payment card number, the duplicate records are merged into one record; Also includes: Get incremental successful remittance transaction records; According to the incremental successful remittance transaction records, M+1 card number-receiving bank correspondence tables are traversed and matched, and the number of successful matches for each record in each relationship table is recorded; According to the total number of successful matches in each relationship table, the card number-collecting bank correspondence table and the card number-collecting outlet correspondence table used for the next cycle to identify the information of the collecting bank and collecting outlet of other bank cards are selected; by calculating the proportion of successful recognition times of each correspondence table, the correspondence table with a higher recognition accuracy is obtained as the correspondence table currently used.

6. The device for identifying the payment point information of a bank receiving payment via a card from another bank according to claim 5, characterized in that: Also includes: The feedback control module does not provide feedback to the current user or provides multiple payment banks and / or multiple payment outlets as alternatives to the current user if the corresponding payment banks and / or payment outlets retrieved are multiple.

7. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the program, the steps of the method for identifying the information of the payment point of the bank receiving payment with a card from another bank as described in any one of claims 1 to 4 are implemented.

8. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method for identifying the information of the payment point of a bank receiving payment via a card of another bank as described in any one of claims 1 to 4 are implemented.

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