A cross-border remittance data processing method and device

Abstract

The present invention provides a cross-border remittance data processing method and device, which relates to the field of data processing technology and can be used in the financial field or other technical fields. The method comprises: if a cross-border remittance payment failure message is obtained, the receiving bank information is extracted; the receiving bank information includes an international wire transfer code; according to the international wire transfer code, the receiving bank information is compared with the pre-stored corresponding relationship to obtain the error information in the receiving bank information and the correct information corresponding to the error information; the correct information is sent to the client that performs the cross-border remittance payment. The device executes the above method. The cross-border remittance data processing method and device provided by the embodiment of the present invention can reduce the transaction failure rate, avoid financial loss and time loss to customers, reduce the amount of data processing in the funds transfer process, and reduce system resource consumption.

Description

Technical Field

[0001] The present invention relates to the technical field of data processing, and in particular to a method and device for processing cross-border remittance data. Background Art

[0002] More and more customers need to make cross-border remittance payments. Since banks cannot grasp the change information of overseas bank branches, mergers, address changes, etc. in real time, customers are required to input the receiving bank information themselves when making cross-border remittance payments.

[0003] During the cross-border remittance payment process, if the receiving bank information entered by the customer is incorrect, the system will not be able to make a judgment, which will lead to an increase in the transaction failure rate of cross-border remittance payments. In addition, handling fees and other fees may be incurred during the funds transfer process, causing financial and time losses to customers. The funds transfer process also increases the system data processing volume, resulting in system resource consumption. Summary of the invention

[0004] In view of the problems in the prior art, an embodiment of the present invention provides a cross-border remittance data processing method and device, which can at least partially solve the problems existing in the prior art.

[0005] In one aspect, the present invention provides a method for processing cross-border remittance data, comprising:

[0006] If a cross-border remittance payment failure message is obtained, the receiving bank information is extracted; the receiving bank information includes the international wire transfer code;

[0007] Comparing the receiving bank information with the pre-stored corresponding relationship according to the international wire transfer code to obtain error information in the receiving bank information and correct information corresponding to the error information;

[0008] Send the correct information to the client making the cross-border remittance payment.

[0009] Wherein, updating the pre-stored corresponding relationship includes:

[0010] After obtaining the cross-border remittance payment success message, the incremental information of the receiving bank is obtained, and the incremental information of the receiving bank is compared with the information in the pre-stored corresponding relationship according to the international wire transfer code;

[0011] If there is a difference in the comparison result, the information in the pre-stored corresponding relationship is updated based on the incremental information of the receiving bank.

[0012] Wherein, the updating of the information in the pre-stored corresponding relationship based on the incremental information of the receiving bank includes:

[0013] If the pre-stored correspondence includes the same international wire transfer code as that in the beneficiary bank incremental information, the information in the pre-stored correspondence that differs from the beneficiary bank incremental information is updated to the information in the beneficiary bank incremental information.

[0014] The cross-border remittance data processing method further includes:

[0015] If the pre-stored corresponding relationship does not include the international wire transfer code in the incremental information of the receiving bank, all the information in the incremental information of the receiving bank is added to the pre-stored corresponding relationship.

[0016] The method of obtaining the incremental information of the receiving bank after obtaining the cross-border remittance payment success message includes:

[0017] The first update cycle is used to obtain batch incremental information of the receiving bank.

[0018] The cross-border remittance data processing method further includes:

[0019] If at least one batch incremental information of the receiving bank is not obtained within the second update cycle, the second update cycle is used to obtain the batch incremental information of the receiving bank from data provided by a third party; the second update cycle is greater than the first update cycle.

[0020] The cross-border remittance data processing method further includes:

[0021] Obtain the information matching success rate or transaction failure rate within the area within a preset period of time;

[0022] If the information matching success rate is lower than the preset success rate threshold, or if the transaction failure rate is higher than the preset failure rate threshold, the value corresponding to the first update cycle is reduced and / or the data volume of the receiving bank's batch incremental information is increased.

[0023] In one aspect, the present invention provides a cross-border remittance data processing device, comprising:

[0024] An extraction unit, for extracting the recipient bank information if a cross-border remittance payment failure message is obtained; the recipient bank information includes an international wire transfer code;

[0025] A comparison unit, used to compare the receiving bank information with a pre-stored corresponding relationship according to the international wire transfer code, to obtain error information in the receiving bank information and correct information corresponding to the error information;

[0026] The sending unit is used to send the correct information to the client that performs cross-border remittance payment.

[0027] In another aspect, an embodiment of the present invention provides an electronic device, including: a processor, a memory, and a bus, wherein:

[0028] The processor and the memory communicate with each other via the bus;

[0029] The memory stores program instructions that can be executed by the processor, and the processor calls the program instructions to execute the following method:

[0030] If a cross-border remittance payment failure message is obtained, the receiving bank information is extracted; the receiving bank information includes the international wire transfer code;

[0031] Comparing the receiving bank information with the pre-stored corresponding relationship according to the international wire transfer code to obtain error information in the receiving bank information and correct information corresponding to the error information;

[0032] Send the correct information to the client making the cross-border remittance payment.

[0033] An embodiment of the present invention provides a non-transitory computer-readable storage medium, including:

[0034] The non-transitory computer-readable storage medium stores computer instructions, which cause the computer to execute the following method:

[0035] If a cross-border remittance payment failure message is obtained, the receiving bank information is extracted; the receiving bank information includes the international wire transfer code;

[0036] Comparing the receiving bank information with the pre-stored corresponding relationship according to the international wire transfer code to obtain error information in the receiving bank information and correct information corresponding to the error information;

[0037] Send the correct information to the client making the cross-border remittance payment.

[0038] The cross-border remittance data processing method and device provided by the embodiment of the present invention, if a cross-border remittance payment failure message is obtained, the receiving bank information is extracted; the receiving bank information includes an international wire transfer code; the receiving bank information is compared with a pre-stored corresponding relationship according to the international wire transfer code to obtain error information in the receiving bank information and correct information corresponding to the error information; the correct information is sent to a client that performs cross-border remittance payment, which can reduce the transaction failure rate, avoid financial and time losses to customers, reduce the amount of data processing in the funds transfer process, and reduce system resource consumption. BRIEF DESCRIPTION OF THE DRAWINGS

[0039] In order to more clearly illustrate the embodiments of the present invention 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 only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0040] Figure 1 It is a flow chart of a cross-border remittance data processing method provided by an embodiment of the present invention.

[0041] Figure 2 It is a flow chart of a cross-border remittance data processing method provided by another embodiment of the present invention.

[0042] Figure 3 It is a schematic diagram of the modular structure of the cross-border remittance data processing method provided by an embodiment of the present invention.

[0043] Figure 4 It is a structural diagram of a cross-border remittance data processing device provided by an embodiment of the present invention.

[0044] Figure 5 A schematic diagram of the physical structure of an electronic device provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0045] In order to make the purpose, technical scheme and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below in conjunction with the accompanying drawings. Here, the illustrative embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention. It should be noted that, in the absence of conflict, the embodiments in this application and the features in the embodiments can be combined with each other arbitrarily.

[0046] Figure 1 is a flow chart of a method for processing cross-border remittance data provided by an embodiment of the present invention, such as Figure 1 As shown, the cross-border remittance data processing method provided by the embodiment of the present invention includes:

[0047] Step S1: If a cross-border remittance payment failure message is obtained, the receiving bank information is extracted; the receiving bank information includes the international wire transfer code.

[0048] Step S2: comparing the receiving bank information with the pre-stored corresponding relationship according to the international wire transfer code to obtain the error information in the receiving bank information and the correct information corresponding to the error information.

[0049] Step S3: Send the correct information to the client that makes the cross-border remittance payment.

[0050] In the above step S1, if the device obtains a cross-border remittance payment failure message, it extracts the recipient bank information; the recipient bank information includes the international wire transfer code. The device can be a computer device that executes the method, for example, it can include a cross-border remittance data processing server. It should be noted that the acquisition and analysis of the recipient bank information involved in the embodiment of the present invention is authorized by the user. Figure 2 As shown, the cross-border remittance payment failure message may be received from a cross-border payment management system.

[0051] The international wire transfer code is equivalent to the ID number of each bank and can be used to identify the bank information of each bank.

[0052] In addition to the international wire transfer code, the beneficiary bank information may also include the beneficiary bank name, beneficiary bank branch name, beneficiary bank country name, beneficiary bank city and beneficiary bank address.

[0053] In the above step S2, the device compares the receiving bank information with the pre-stored correspondence according to the international wire transfer code to obtain the error information in the receiving bank information and the correct information corresponding to the error information. The pre-stored correspondence can be understood as the correspondence between the various information in the trusted receiving bank information.

[0054] It should be noted that the international wire transfer code is information that can be used as a comparison benchmark, that is, the international wire transfer code in the beneficiary bank information can be considered to be correct information. For example, the trustworthy beneficiary bank information includes the international wire transfer code A, the beneficiary bank city B and the beneficiary bank address C, and other information is not given as examples. If the beneficiary bank information includes the international wire transfer code A, the beneficiary bank city B and the beneficiary bank address C, then the incorrect information in the beneficiary bank information is the beneficiary bank address C, and the correct information corresponding to the incorrect information is the beneficiary bank address C.

[0055] The pre-stored correspondence needs to be established in advance, including:

[0056] Obtain the beneficiary bank information from a third party, which can be an authorized official organization, etc. Based on the international wire transfer code + the beneficiary bank branch name (if any), perform deduplication on the data, extract the above beneficiary bank information, and put it into the original data table. The original data table includes the complete beneficiary bank information.

[0057] The data in the successful bank remittance record can be obtained and pre-processed by desensitizing and deduplication, and compared with the data in the original data table based on the international wire transfer code + the name of the branch of the receiving bank (if any). If the comparison results match, a trusted relationship data table can be directly generated according to the original data table.

[0058] If the comparison results do not match, the fields corresponding to the unmatched information can be recorded in the remarks item in the trusted relationship data table, and the original data table can be updated according to the data in the bank remittance success record to obtain the trusted relationship data table.

[0059] It can be understood that the correspondence between the information in the receiving bank information in the trusted relationship data table is the above-mentioned pre-stored correspondence.

[0060] It should be noted that in addition to being used to identify the receiving bank information, the trusted relationship data table can also use the remarks as auxiliary information and prompt it to the customer, thereby effectively improving the transaction success rate and system data processing efficiency.

[0061] In the above step S3, the device sends the correct information to the client that makes a cross-border remittance payment. Referring to the above example, the receiving bank address C can be sent as the correct information to the client that makes a cross-border remittance payment. It is understandable that the receiving bank address C and the receiving bank address c as the error information can be packaged and carried in the message, and the packaged information can be sent to the client by sending a message to the client.

[0062] Reference Figure 2 , further, after this step, the following steps may also be included:

[0063] Extract keywords and splice them into text messages, provide auxiliary information through SMS banking, complete "secondary confirmation" with the customer, and feed back the customer's confirmation results to the cross-border payment management system for processing.

[0064] Extract keywords (keywords include: reasons for remittance failure and correct information, etc.), and splice them into SMS content, which is sent to the operator through the SMS banking application and message queue processing. The operator then sends the SMS content to the customer through the mobile phone number from which the customer initiated the remittance.

[0065] After the customer replies to the message, the SMS bank receives the SMS content transmitted by the operator through the message queue, parses the SMS content, and determines whether the reply content is "yes". If it is determined to be "yes", the correct information is sent to the cross-border payment management system. After the cross-border payment management system parses the correct information sent, the wrong information is modified to the correct information, and the telegram message is sent overseas.

[0066] If the answer is "No", the return information will be sent to the cross-border payment management system, which will handle the return to the customer. This makes it easier for customers to confirm and improves the customer experience.

[0067] The cross-border remittance data processing method provided by the embodiment of the present invention extracts the beneficiary bank information if a cross-border remittance payment failure message is obtained; the beneficiary bank information includes an international wire transfer code; the beneficiary bank information is compared with a pre-stored corresponding relationship according to the international wire transfer code to obtain error information in the beneficiary bank information and correct information corresponding to the error information; the correct information is sent to a client that performs cross-border remittance payment, which can reduce the transaction failure rate, avoid financial and time losses to customers, reduce the amount of data processing in the funds transfer process, and reduce system resource consumption.

[0068] Further, updating the pre-stored corresponding relationship includes:

[0069] After obtaining the cross-border remittance payment success message, the incremental information of the beneficiary bank is obtained, and the incremental information of the beneficiary bank is compared with the information in the pre-stored corresponding relationship according to the international wire transfer code; the incremental information of the beneficiary bank can be understood as the newly added beneficiary bank information, that is, each time a cross-border remittance payment success message is obtained, the newly added beneficiary bank information is increased by 1.

[0070] Each time the incremental information of the receiving bank is obtained, the incremental information of the receiving bank can be immediately compared with the information in the pre-stored corresponding relationship according to the international wire transfer code, as well as the subsequent steps. The specific instructions can be referred to the above-mentioned instructions for comparing the receiving bank information with the pre-stored corresponding relationship, which will not be repeated here.

[0071] It is also possible that each time the incremental information of the beneficiary bank is obtained, the step of comparing the incremental information of the beneficiary bank with the information in the pre-stored corresponding relationship according to the international wire transfer code is not immediately executed, but the step of comparing the incremental information of the beneficiary bank with the information in the pre-stored corresponding relationship according to the international wire transfer code is regularly or periodically executed.

[0072] If there is a difference in the comparison result, the information in the pre-stored corresponding relationship is updated based on the incremental information of the receiving bank. If there is a difference in the comparison result, it means that the information in the pre-stored corresponding relationship is not the latest information, and the information in the pre-stored corresponding relationship is updated to the incremental information of the receiving bank based on the incremental information of the receiving bank.

[0073] The cross-border remittance data processing method provided by the embodiment of the present invention ensures the instant updating of the pre-stored corresponding relationship, further reduces the transaction failure rate, avoids financial loss and time loss to customers, reduces the amount of data processing in the funds transfer process, and reduces system resource consumption.

[0074] Further, the updating of the information in the pre-stored corresponding relationship based on the incremental information of the receiving bank includes:

[0075] If the pre-stored corresponding relationship includes the same international wire transfer code as that in the incremental information of the beneficiary bank, the information in the pre-stored corresponding relationship that is different from the incremental information of the beneficiary bank is updated to the information in the incremental information of the beneficiary bank. That is, if the international wire transfer code in the pre-stored corresponding relationship is different from the international wire transfer code in the incremental information of the beneficiary bank, it means that part of the information in the incremental information of the beneficiary bank is not the latest news, so this part of the information is updated to the corresponding part of the incremental information of the beneficiary bank.

[0076] The cross-border remittance data processing method provided by the embodiment of the present invention ensures the instant updating of the pre-stored corresponding relationship and reduces the amount of updated data, which can further reduce the transaction failure rate, avoid financial loss and time loss to customers, reduce the amount of data processing in the funds transfer process, and reduce system resource consumption.

[0077] Furthermore, the cross-border remittance data processing method further includes:

[0078] If the pre-stored correspondence does not include the international wire transfer code in the incremental information of the beneficiary bank, all the information in the incremental information of the beneficiary bank is added to the pre-stored correspondence. That is, if the international wire transfer code in the incremental information of the beneficiary bank is not in the pre-stored correspondence, it means that the entire incremental information of the beneficiary bank is a newly added message, so the newly added message will be newly added to the pre-stored correspondence.

[0079] The cross-border remittance data processing method provided by the embodiment of the present invention ensures the instant updating of the pre-stored corresponding relationship, further reduces the transaction failure rate, avoids financial loss and time loss to customers, reduces the amount of data processing in the funds transfer process, and reduces system resource consumption.

[0080] Furthermore, the step of obtaining the incremental information of the receiving bank after obtaining the cross-border remittance payment success message includes:

[0081] The first update cycle is used to obtain the batch incremental information of the receiving bank. The first update cycle can be set independently according to the actual situation, and can be selected as every day. The batch incremental information of the receiving bank can be understood as retaining the incremental information of the receiving bank every time it is obtained, and gradually accumulating the batch incremental information of the receiving bank. Figure 2 As shown, bank batch incremental information can be received from the cross-border payment management system. The batch incremental information of all receiving banks can be obtained in full, or the batch incremental information of some receiving banks can be obtained randomly.

[0082] After obtaining the batch incremental information of the receiving bank, the batch incremental information of the receiving bank can be compared with the pre-stored corresponding relationship according to the international wire transfer code, as well as subsequent steps. For details, please refer to the description of the receiving bank information above and will not be repeated here.

[0083] The cross-border remittance data processing method provided by the embodiment of the present invention does not need to obtain the incremental information of the receiving bank in real time, which ensures the instant updating of the pre-stored corresponding relationship and reduces the system resource consumption, and can further reduce the transaction failure rate, avoid causing financial and time losses to customers, reduce the data processing volume in the funds transfer process, and reduce the system resource consumption.

[0084] Furthermore, the cross-border remittance data processing method further includes:

[0085] If at least one batch increment information of the receiving bank is not obtained within the second update cycle, the second update cycle is used to obtain the batch increment information of the receiving bank from the data provided by the third party; the second update cycle is greater than the first update cycle. This step corresponds to the application scenario where cross-border remittance payment transactions are inactive. The second update cycle can be set independently according to actual conditions and can be selected as 5 days.

[0086] It should be noted that although the accuracy of the batch incremental information of the receiving bank obtained from the data provided by the third party is not as accurate as the incremental information of the receiving bank obtained after the cross-border remittance payment is successful, it is also helpful to update the information in the pre-stored corresponding relationship.

[0087] The cross-border remittance data processing method provided by the embodiment of the present invention further ensures the instant updating of the pre-stored corresponding relationship, can reduce the transaction failure rate, avoid financial loss and time loss to customers, reduce the data processing volume in the funds transfer process, and reduce system resource consumption.

[0088] Furthermore, the cross-border remittance data processing method further includes:

[0089] Get the information matching success rate or transaction failure rate within the preset period within the region; the region can include a country or region, and the preset period can be set independently according to the actual situation, and can be selected as 1 month. The information matching success rate is the ratio between the number of successful information matching and the total number of information matching.

[0090] The transaction failure rate is the ratio between the number of transaction failures that occurred and the total number of transactions.

[0091] If the information matching success rate is lower than the preset success rate threshold, or if the transaction failure rate is higher than the preset failure rate threshold, the value corresponding to the first update period is reduced and / or the data volume of the batch incremental information of the receiving bank is increased. The specific values ​​of the preset success rate threshold and the preset failure rate threshold can be set independently according to actual conditions.

[0092] Referring to the above description that the first update cycle is daily, the value corresponding to the first update cycle can be reduced to half a day, that is, the update frequency of the batch incremental information of the receiving bank is accelerated.

[0093] Increasing the data volume of the batch incremental information of the beneficiary banks is aimed at the above-mentioned situation of randomly obtaining the batch incremental information of some beneficiary banks, and can be increased to a maximum of obtaining the full batch incremental information of all beneficiary banks.

[0094] The cross-border remittance data processing method provided by the embodiment of the present invention can improve the resource allocation within the area by reducing the numerical value corresponding to the first update cycle and / or increasing the data volume of the batch incremental information of the receiving bank, thereby reducing the transaction failure rate within the area, avoiding financial and time losses to customers, reducing the amount of data processing in the funds transfer process, and reducing system resource consumption.

[0095] The embodiments of the present invention can be implemented based on modularization, such as Figure 3 As shown, it includes an information collection module, an information update / matching module, an information use module and a statistical analysis module; wherein the information update / matching module includes an update unit and a matching unit,

[0096] (1) Information collection module: responsible for collecting and processing data from bank deposits and data synchronized from third parties, and generating original data tables and trusted relationship data tables.

[0097] (2) Information update / matching module: matches the receiving bank information according to the trusted relationship data table established by the information collection module, accumulates the number of successes, transfers the matching results to the information use module in batches, and adds the incremental or updated information and the number of successes to the information collection module.

[0098] 1. Update unit: used to update data in the trusted relationship data table.

[0099] 2. Matching unit: used to match the receiving bank information with the data in the trusted relationship data table.

[0100] (3) Statistical analysis module: After verification and matching, an early warning report is generated based on the information matching success rate or transaction failure rate of the country / region, and system resources are allocated to increase the data volume of batch incremental information of the receiving bank.

[0101] (4) Information usage module: After receiving the reply message from the overseas bank, the module will modify the matching result based on the mobile phone number used by the customer when making the remittance and send it to the customer through the operator through auxiliary modification information. After receiving the customer's feedback, the module will parse the information content and hand it over to the bank's cross-border payment system for processing.

[0102] Combined with the actual cross-border remittance payment scenario, the embodiment of the present invention is described as follows:

[0103] Example 1: The customer fails to initiate a remittance, and the information update / matching module receives a matching request from the cross-border payment management system

[0104] Step 1: When a customer wants to send a living expense to his child studying abroad, he chooses the cross-border remittance service. The cross-border payment management system converts the remittance information entered by the customer into a standardized message and sends it to the overseas system.

[0105] Step 2: The cross-border payment management system receives a message from the overseas system to check the receiving bank of this remittance. The cross-border payment management system sends a call request to the information update / matching module in this solution.

[0106] Step 3: The information update / matching module in this solution determines that it is a matching service request, parses the message sent by the cross-border payment management system, extracts the receiving bank information corresponding to this transaction, and matches the receiving bank information with the existing trusted relationship data table of this solution.

[0107] Step 4: The matching result is that the receiving bank address in the customer's remittance information is the bank's head office address, and the receiving bank address should be the branch address. The message of this result is sent to the information use module of this solution.

[0108] Step 5: After the information usage module assembles the text message according to the keywords, the SMS bank sends the text message content to the customer's mobile phone number through the message queue via the operator.

[0109] Step 6: The text message generally includes: customer remittance information and the time of initiating the remittance, the reason for the failure, and based on the information confirmed after the query, confirm with the customer whether the information needs to be modified to the correct one.

[0110] Step 7: The customer's reply content is transmitted to the SMS bank through the operator and message queue. The SMS bank parses the content and judges. If it is judged as "yes", the modified information is sent to the cross-border payment management system for processing; if it is judged as "no", the return information is sent to the cross-border payment management system for customer return processing.

[0111] Example 2: The customer successfully initiates a remittance, and the information update / matching module receives the incremental success file of the day obtained by the information collection module:

[0112] Step 1: In order to pay tuition fees for studying abroad, customers choose cross-border remittance services. The cross-border payment management system converts the remittance information entered by the customer into a standardized message and sends it to the overseas system.

[0113] Step 2: The cross-border payment management system receives a successful deposit message from the overseas system.

[0114] Step 3: In this solution, the information collection module transmits the successful incremental information of the day to the information update / matching module.

[0115] Step 4: The information update / matching module uses the bank's international wire transfer code + the name of the beneficiary bank branch (if any) as a benchmark to compare the incremental information with other elements in the trusted relationship data table.

[0116] Step 5: If the new bank international wire transfer code does not exist in the trusted relationship data table, it is updated as incremental data in the trusted relationship data table.

[0117] Step 6: If there is any inconsistency between the elements in the incremental information and the existing information, the inconsistent elements in the trusted relationship data table are updated based on the incremental information.

[0118] It should be noted that the cross-border remittance data processing method provided in the embodiment of the present invention can be used in the financial field, and can also be used in any technical field other than the financial field. The embodiment of the present invention does not limit the application field of the cross-border remittance data processing method.

[0119] Figure 4 is a schematic diagram of the structure of a cross-border remittance data processing device provided by an embodiment of the present invention. Figure 4 As shown, the cross-border remittance data processing device provided by the embodiment of the present invention includes an extraction unit 401, a comparison unit 402 and a sending unit 403, wherein:

[0120] The extraction unit 401 is used to extract the recipient bank information if a cross-border remittance payment failure message is obtained; the recipient bank information includes an international wire transfer code; the comparison unit 402 is used to compare the recipient bank information with a pre-stored correspondence according to the international wire transfer code to obtain error information in the recipient bank information and correct information corresponding to the error information; the sending unit 403 is used to send the correct information to the client that performs the cross-border remittance payment.

[0121] Specifically, the extraction unit 401 in the device is used to extract the recipient bank information if a cross-border remittance payment failure message is obtained; the recipient bank information includes an international wire transfer code; the comparison unit 402 is used to compare the recipient bank information with a pre-stored correspondence according to the international wire transfer code to obtain error information in the recipient bank information and correct information corresponding to the error information; the sending unit 403 is used to send the correct information to the client that performs the cross-border remittance payment.

[0122] The cross-border remittance data processing device provided by the embodiment of the present invention extracts the beneficiary bank information if a cross-border remittance payment failure message is obtained; the beneficiary bank information includes an international wire transfer code; the beneficiary bank information is compared with a pre-stored corresponding relationship according to the international wire transfer code to obtain error information in the beneficiary bank information and correct information corresponding to the error information; the correct information is sent to the client that performs the cross-border remittance payment, which can reduce the transaction failure rate, avoid financial and time losses to customers, reduce the amount of data processing in the funds transfer process, and reduce system resource consumption.

[0123] The embodiment of the cross-border remittance data processing device provided in the embodiment of the present invention can be specifically used to execute the processing flow of the above-mentioned method embodiments. Its functions are not repeated here, and reference can be made to the detailed description of the above-mentioned method embodiments.

[0124] Figure 5 A schematic diagram of the physical structure of an electronic device provided in an embodiment of the present invention, such as Figure 5 As shown, the electronic device includes: a processor (processor) 501, a memory (memory) 502 and a bus 503;

[0125] The processor 501 and the memory 502 communicate with each other via a bus 503;

[0126] The processor 501 is used to call the program instructions in the memory 502 to execute the methods provided by the above method embodiments, for example, including:

[0127] If a cross-border remittance payment failure message is obtained, the receiving bank information is extracted; the receiving bank information includes the international wire transfer code;

[0128] Comparing the receiving bank information with the pre-stored corresponding relationship according to the international wire transfer code to obtain error information in the receiving bank information and correct information corresponding to the error information;

[0129] Send the correct information to the client making the cross-border remittance payment.

[0130] This embodiment discloses a computer program product, which includes a computer program stored on a non-transitory computer-readable storage medium. The computer program includes program instructions. When the program instructions are executed by a computer, the computer can perform the methods provided by the above method embodiments, for example, including:

[0131] If a cross-border remittance payment failure message is obtained, the receiving bank information is extracted; the receiving bank information includes the international wire transfer code;

[0132] Comparing the receiving bank information with the pre-stored corresponding relationship according to the international wire transfer code to obtain error information in the receiving bank information and correct information corresponding to the error information;

[0133] Send the correct information to the client making the cross-border remittance payment.

[0134] This embodiment provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, wherein the computer program enables the computer to execute the methods provided by the above method embodiments, for example, including:

[0135] If a cross-border remittance payment failure message is obtained, the receiving bank information is extracted; the receiving bank information includes the international wire transfer code;

[0136] Comparing the receiving bank information with the pre-stored corresponding relationship according to the international wire transfer code to obtain error information in the receiving bank information and correct information corresponding to the error information;

[0137] Send the correct information to the client making the cross-border remittance payment.

[0138] 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.

[0139] 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.

[0140] 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.

[0141] 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 in the computer or other programmable device. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0142] In the description of this specification, the description with reference to the terms "one embodiment", "a specific embodiment", "some embodiments", "for example", "example", "specific example", or "some examples" means that the specific features, structures, materials or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the present invention. In this specification, the schematic representation of the above terms does not necessarily refer to the same embodiment or example. Moreover, the specific features, structures, materials or characteristics described may be combined in any one or more embodiments or examples in a suitable manner.

[0143] The specific embodiments described above further illustrate the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above description is only a specific embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.

Claims

1. A cross-border remittance data processing method, characterized in that: include: If a cross-border remittance payment failure message is obtained, the receiving bank information is extracted; the receiving bank information includes the international wire transfer code; Comparing the receiving bank information with the pre-stored corresponding relationship according to the international wire transfer code to obtain error information in the receiving bank information and correct information corresponding to the error information; The error message is used as the reason for the remittance failure, and is combined with the correct message into a text message content, which is sent to the operator through the SMS banking application and after being processed by the message queue, so that the operator can send the text message content to the client through the mobile phone number used by the customer to initiate the remittance; Receive the feedback SMS content transmitted by the operator through the message queue through the SMS bank, parse the feedback SMS content, and if the feedback SMS content is yes, send the correct information to the cross-border payment management system, so that the cross-border payment management system modifies the erroneous information in the telegram message into the correct information and then sends it to the overseas system; If the content of the feedback SMS is no, a return message is sent to the cross-border payment management system so that the cross-border payment management system returns the cross-border remittance business.

2. The cross-border remittance data processing method according to claim 1, characterized in that: Updating the pre-stored corresponding relationship includes: After obtaining the cross-border remittance payment success message, the incremental information of the receiving bank is obtained, and the incremental information of the receiving bank is compared with the information in the pre-stored corresponding relationship according to the international wire transfer code; If there is a difference in the comparison result, the information in the pre-stored corresponding relationship is updated based on the incremental information of the receiving bank.

3. The cross-border remittance data processing method according to claim 2, characterized in that: The updating of the information in the pre-stored corresponding relationship based on the incremental information of the receiving bank includes: If the pre-stored correspondence includes the same international wire transfer code as that in the beneficiary bank incremental information, the information in the pre-stored correspondence that differs from the beneficiary bank incremental information is updated to the information in the beneficiary bank incremental information.

4. The cross-border remittance data processing method according to claim 3, characterized in that: The cross-border remittance data processing method further includes: If the pre-stored corresponding relationship does not include the international wire transfer code in the incremental information of the receiving bank, all the information in the incremental information of the receiving bank is added to the pre-stored corresponding relationship.

5. The cross-border remittance data processing method according to claim 2, characterized in that: The method of obtaining the incremental information of the receiving bank after obtaining the cross-border remittance payment success message includes: The first update cycle is used to obtain batch incremental information of the receiving bank.

6. The cross-border remittance data processing method according to claim 5, characterized in that: The cross-border remittance data processing method further includes: If at least one batch incremental information of the receiving bank is not obtained within the second update cycle, the second update cycle is used to obtain the batch incremental information of the receiving bank from data provided by a third party; the second update cycle is greater than the first update cycle.

7. The cross-border remittance data processing method according to claim 5, characterized in that: The cross-border remittance data processing method further includes: Obtain the information matching success rate or transaction failure rate within the area within a preset period of time; If the information matching success rate is lower than the preset success rate threshold, or if the transaction failure rate is higher than the preset failure rate threshold, the value corresponding to the first update cycle is reduced and / or the data volume of the receiving bank's batch incremental information is increased.

8. A cross-border remittance data processing device, characterized in that: include: An extraction unit, for extracting the recipient bank information if a cross-border remittance payment failure message is obtained; the recipient bank information includes an international wire transfer code; A comparison unit, used to compare the receiving bank information with a pre-stored corresponding relationship according to the international wire transfer code, to obtain error information in the receiving bank information and correct information corresponding to the error information; A sending unit, used to use the error message as the reason for the remittance failure and splice the correct message into a text message content, and send it to the operator through the SMS banking application and after processing through the message queue, so that the operator sends the text message content to the client through the mobile phone number of the customer initiating the remittance; Receive the feedback SMS content transmitted by the operator through the message queue through the SMS bank, parse the feedback SMS content, and if the feedback SMS content is yes, send the correct information to the cross-border payment management system, so that the cross-border payment management system modifies the erroneous information in the telegram message into the correct information and then sends it to the overseas system; If the content of the feedback SMS is no, a return message is sent to the cross-border payment management system so that the cross-border payment management system returns the cross-border remittance business.

9. 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 computer program, the steps of the method according to any one of claims 1 to 7 are implemented.

10. 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 according to any one of claims 1 to 7 are implemented.

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