Method, device, computer equipment and storage medium for processing inter-bank remittance messages

Abstract

The present application relates to a method, apparatus, computer equipment, storage medium, and computer program product for processing inter-bank remittance messages, and relates to the field of message processing technology, and can be used in the financial field or other fields. The method is applied to a receiving device of a receiving bank, and includes: obtaining an inter-bank remittance message to be processed; extracting first remittance attribute information in the inter-bank remittance message; matching the first remittance attribute information with at least one preset second remittance attribute information; if the first remittance attribute information successfully matches the target remittance attribute information in the at least one second remittance attribute information, then receiving and processing the inter-bank remittance message according to the receiving and processing operation associated with the target remittance attribute information. The use of this method can improve the processing efficiency of inter-bank remittance messages.

Description

Technical Field

[0001] The present application relates to the technical field of message processing, and in particular to a method, apparatus, computer equipment, storage medium, and computer program product for processing inter-bank remittance messages. Background Art

[0002] In the banking system, remittances between different banks are typically accomplished by sending and receiving interbank remittance messages. The bank that sends the message is called the sending bank, and the bank that receives the message is called the receiving bank. At the receiving bank, receiving equipment processes the interbank remittance message and automatically deposits the money into its account.

[0003] In traditional technology, the processing method of inter-bank remittance messages requires bank operators to manually check the inter-bank remittance messages on the receiving device, and after understanding the message content of the inter-bank remittance message, manually select a receiving processing operation to complete the receiving processing.

[0004] This shows that traditional technologies require a lot of manpower costs, resulting in low processing efficiency of inter-bank remittance messages. Summary of the Invention

[0005] Based on this, it is necessary to provide a method, apparatus, computer device, computer-readable storage medium and computer program product for processing inter-bank remittance messages that can improve the efficiency of inter-bank remittance message processing in order to address the above technical problems.

[0006] In a first aspect, the present application provides a method for processing an inter-bank remittance message. The method is applied to a receiving device of a receiving bank, comprising:

[0007] Obtain pending inter-bank remittance messages;

[0008] extracting first remittance attribute information from the inter-bank remittance message;

[0009] Matching the first remittance attribute information with at least one preset second remittance attribute information;

[0010] If the first remittance attribute information successfully matches the target remittance attribute information in the at least one second remittance attribute information, the inter-bank remittance message is received and processed according to the receiving and processing operation associated with the target remittance attribute information.

[0011] In one embodiment, the method further comprises:

[0012] If the first remittance attribute information fails to match the at least one second remittance attribute information, extracting third remittance attribute information from the inter-bank remittance message;

[0013] Matching the third remittance attribute information with at least one preset landing reason identification rule;

[0014] If the third remittance attribute information successfully matches the target landing reason identification rule in the at least one landing reason identification rule, determining the landing reason identifier corresponding to the inter-bank remittance message according to the third remittance attribute information and the target landing reason identification rule;

[0015] The inter-bank remittance message is received and processed according to the receiving and processing operation corresponding to the landing reason identifier.

[0016] In one embodiment, the method further comprises:

[0017] If the third remittance attribute information fails to match the at least one landing reason identification rule, extracting fourth remittance attribute information from the inter-bank remittance message;

[0018] Matching the fourth remittance attribute information with at least one preset review prompt rule;

[0019] If the fourth remittance attribute information successfully matches the target audit prompt rule in the at least one audit prompt rule, the report receipt prompt information associated with the target audit prompt rule is output.

[0020] In one embodiment, the receiving and processing of the inter-bank remittance message according to the receiving and processing operation corresponding to the landing reason identifier includes:

[0021] If the landing reason identifier is a reason identifier indicating that the payee account number is incorrect, extracting the payee account name from the third remittance attribute information;

[0022] Input the payee account name into the customer attribute recognition model to obtain customer attribute information;

[0023] The inter-bank remittance message is received and processed according to the message receiving and processing operation associated with the customer attribute information.

[0024] In one embodiment, the receiving and processing of the inter-bank remittance message according to the receiving and processing operation corresponding to the landing reason identifier includes:

[0025] If the landing reason identifier is a reason identifier indicating that the payee account number does not match the payee account name, obtaining customer attribute information corresponding to the payee account number;

[0026] Calculating the similarity between the payee account name and a pre-stored payee account name, wherein the pre-stored payee account name is a pre-stored payee account name corresponding to the payee account number;

[0027] Determining a similarity range based on the customer attribute information;

[0028] If the similarity is within the similarity range, the inter-bank remittance message is received and processed according to the receiving and processing operation associated with the similarity range.

[0029] In one embodiment, the message receiving and processing operation includes a remittance refund operation; and the method further includes:

[0030] Obtain additional information on the refund corresponding to the landing reason identifier;

[0031] According to the additional explanation information of the remittance refund, the reason for the remittance refund in the remittance refund report is generated and output.

[0032] In a second aspect, the present application further provides a device for processing inter-bank remittance messages. The device is used in a receiving device of a receiving bank and includes:

[0033] The message acquisition module is used to obtain the inter-bank remittance message to be processed;

[0034] An information extraction module, configured to extract first remittance attribute information from the inter-bank remittance message;

[0035] an information matching module, configured to match the first remittance attribute information with at least one preset second remittance attribute information;

[0036] The message receiving and processing module is configured to, if the first remittance attribute information successfully matches the target remittance attribute information in the at least one second remittance attribute information, perform message receiving and processing on the inter-bank remittance message according to the message receiving and processing operation associated with the target remittance attribute information.

[0037] In a third aspect, the present application further provides a computer device. The computer device includes a memory and a processor, wherein the memory stores a computer program, and when the processor executes the computer program, the following steps are performed:

[0038] Obtain pending inter-bank remittance messages;

[0039] extracting first remittance attribute information from the inter-bank remittance message;

[0040] Matching the first remittance attribute information with at least one preset second remittance attribute information;

[0041] If the first remittance attribute information successfully matches the target remittance attribute information in the at least one second remittance attribute information, the inter-bank remittance message is received and processed according to the receiving and processing operation associated with the target remittance attribute information.

[0042] In a fourth aspect, the present application further provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the following steps:

[0043] Obtain pending inter-bank remittance messages;

[0044] extracting first remittance attribute information from the inter-bank remittance message;

[0045] Matching the first remittance attribute information with at least one preset second remittance attribute information;

[0046] If the first remittance attribute information successfully matches the target remittance attribute information in the at least one second remittance attribute information, the inter-bank remittance message is received and processed according to the receiving and processing operation associated with the target remittance attribute information.

[0047] In a fifth aspect, the present application further provides a computer program product. The computer program product includes a computer program that, when executed by a processor, implements the following steps:

[0048] Obtain pending inter-bank remittance messages;

[0049] extracting first remittance attribute information from the inter-bank remittance message;

[0050] Matching the first remittance attribute information with at least one preset second remittance attribute information;

[0051] If the first remittance attribute information successfully matches the target remittance attribute information in the at least one second remittance attribute information, the inter-bank remittance message is received and processed according to the receiving and processing operation associated with the target remittance attribute information.

[0052] The above-mentioned interbank remittance message processing method, apparatus, computer device, storage medium, and computer program product first extract first remittance attribute information from the interbank remittance message, and based on the matching of the first remittance attribute information with at least one preset second remittance attribute information, obtain a receiving and processing operation associated with the matched target remittance attribute information, and finally perform receiving and processing on the interbank remittance message according to the receiving and processing operation. It can be understood that the present application realizes automatic receiving and processing of interbank remittance messages by adopting means such as attribute information extraction, attribute information matching, and determining the receiving and processing operation based on the associated relationship, thereby reducing user operations and facilitating improved processing efficiency of interbank remittance messages. BRIEF DESCRIPTION OF THE DRAWINGS

[0053] Figure 1 1 is a flow chart of a method for processing an inter-bank remittance message in one embodiment;

[0054] Figure 2 1 is a flow chart of a method for processing an inter-bank remittance message in another embodiment;

[0055] Figure 3 1 is a structural block diagram of a device for processing inter-bank remittance messages in one embodiment;

[0056] Figure 4 FIG. 1 is a diagram showing the internal structure of a computer device in one embodiment. DETAILED DESCRIPTION

[0057] In order to make the purpose, technical solutions and advantages of this application more clear, the following further describes this application in detail with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain this application and are not intended to limit this application.

[0058] In one embodiment, Figure 1 As shown, a method for processing inter-bank remittance messages is provided. This embodiment uses the method applied to a receiving device as an example. The receiving device can be a terminal, a server, or a system including a terminal and a server, and implemented through the interaction between the terminal and the server. In this embodiment, the method includes the following steps:

[0059] Step S102: Obtain the inter-bank remittance message to be processed.

[0060] Among them, the inter-bank remittance message refers to the message used to send remittance instructions when performing remittance operations between different banks.

[0061] Specifically, the transmitting device of the transmitting bank sends the inter-bank remittance message to be processed to the receiving device of the receiving bank, and the receiving device receives the inter-bank remittance message to be processed.

[0062] Step S104: extracting first remittance attribute information from the inter-bank remittance message.

[0063] The remittance attribute information refers to information that characterizes the characteristics of the remittance. For example, the remittance attribute information includes one or more of the sending bank number, sending bank name, receiving bank number, receiving bank name, amount, remitter account number, remitter account name, beneficiary account number, beneficiary account name, or a postscript.

[0064] Specifically, the receiving device extracts the first remittance attribute information from the inter-bank remittance message based on a preset first remittance attribute information extraction rule. For example, the receiving device uses text recognition technology to identify and extract the sending bank number from the inter-bank remittance message. Optionally, the first remittance attribute information includes the payee's account number, the remitter's account name, and a postscript.

[0065] Optionally, the receiving device first verifies and parses the inter-bank remittance message, and then extracts the first remittance attribute information.

[0066] Step S106: Match the first remittance attribute information with at least one preset second remittance attribute information.

[0067] Specifically, after obtaining the first remittance attribute information, the receiving device reads at least one second remittance attribute information preset, and matches the first remittance attribute information with the at least one second remittance attribute information. Optionally, the matching method can adopt fuzzy matching. In one embodiment, the matching of the remittance attribute information includes matching of the payee account number, matching of the remitter account number, matching of the specific account type, matching of the remitter account name (including fuzzy matching), matching of the payee account name (including fuzzy matching), matching of the postscript (including fuzzy matching), etc.

[0068] Step S108: If the first remittance attribute information successfully matches the target remittance attribute information in at least one second remittance attribute information, the inter-bank remittance message is received and processed according to the receiving and processing operation associated with the target remittance attribute information.

[0069] Specifically, if the first remittance attribute information successfully matches the target remittance attribute information in at least one second remittance attribute information, the receiving device reads the receiving processing operation associated with the target remittance attribute information and automatically receives and processes the inter-bank remittance message based on the receiving processing operation. Optionally, the receiving processing operation includes one or more of a receiving point transfer operation, an account opening point transfer operation, a direct remittance return operation, a remittance return review operation, a bookkeeping confirmation operation, or a forced manual access operation.

[0070] Optionally, the receiving device matches the remittance attribute information according to the following priority order: if the target remittance attribute information has been matched according to the priority order, the receiving processing operation associated with the target remittance attribute information is executed to automatically receive the message; otherwise, the matching continues according to the priority order.

[0071] Among them, the priority order can be: 1-payee account number matching, 2-sender account number matching, 3-specific account type matching, 4-sender account name matching (including fuzzy matching), 5-payee account name matching (including fuzzy matching), 6-remarks matching (including fuzzy matching).

[0072] In the above-described method for processing interbank remittance messages, first, first remittance attribute information is extracted from the interbank remittance message. Based on a match between the first remittance attribute information and at least one preset second remittance attribute information, a receiving and processing operation associated with the matched target remittance attribute information is obtained. Finally, the interbank remittance message is received and processed based on the receiving and processing operation. It can be understood that this method, through the use of attribute information extraction, attribute information matching, and determining the receiving and processing operation based on the associated relationship, achieves automatic receiving and processing of interbank remittance messages, reduces user operations, and facilitates improved processing efficiency of interbank remittance messages.

[0073] In one embodiment, the method further comprises the following steps:

[0074] Step S112: if the first remittance attribute information fails to match the at least one second remittance attribute information, extracting third remittance attribute information from the inter-bank remittance message;

[0075] Step S114, matching the third remittance attribute information with at least one preset landing reason identification rule;

[0076] Step S116: If the third remittance attribute information successfully matches the target landing reason identification rule in at least one landing reason identification rule, determining a landing reason identifier corresponding to the inter-bank remittance message based on the third remittance attribute information and the target landing reason identification rule;

[0077] Step S118: performing a receiving and processing operation on the inter-bank remittance message according to the receiving and processing operation corresponding to the landing reason identifier.

[0078] Optionally, "landing" refers to interbank remittances that fail to be automatically posted due to various reasons and require manual intervention. Landing reasons include incorrect beneficiary account number, beneficiary account number and beneficiary name not matching, account transaction limit exceeded, abnormal account status requiring remittance refund, abnormal account status requiring branch confirmation, insufficient account balance, non-compliance with business requirements, and regulatory compliance reasons. Each landing reason is associated with a landing reason indicator.

[0079] Specifically, if the first remittance attribute information fails to match at least one second remittance attribute information, the receiving device extracts third remittance attribute information from the inter-bank remittance message. The receiving device then reads at least one preset landing reason identification rule and matches the third remittance attribute information with the at least one preset landing reason identification rule. If the third remittance attribute information successfully matches a target landing reason identification rule in the at least one landing reason identification rule, the receiving device determines a landing reason identifier corresponding to the inter-bank remittance message based on the third remittance attribute information and the target landing reason identification rule. Finally, the receiving device automatically receives and processes the inter-bank remittance message based on the receiving processing operation corresponding to the landing reason identifier.

[0080] In this embodiment, if the first and second remittance attribute information fail to match, third remittance attribute information is further extracted and matched against at least one pre-set landing reason identification rule. If a match is successful, automatic receipt processing is performed according to the corresponding receipt processing operation. This enables automatic receipt processing of inter-bank remittance messages for landing services that require manual intervention, further reducing user operations and thus improving the processing efficiency of inter-bank remittance messages.

[0081] In one embodiment, the method further comprises the following steps:

[0082] Step S122: If the third remittance attribute information fails to match at least one landing reason identification rule, extracting fourth remittance attribute information from the inter-bank remittance message;

[0083] Step S124, matching the fourth remittance attribute information with at least one preset review prompt rule;

[0084] Step S126: If the fourth remittance attribute information successfully matches the target audit prompt rule in at least one audit prompt rule, the receipt prompt information associated with the target audit prompt rule is output.

[0085] Specifically, if the third remittance attribute information fails to match at least one landing reason identification rule, the receiving device extracts fourth remittance attribute information from the inter-bank remittance message. The receiving device then matches the fourth remittance attribute information with at least one preset audit prompt rule. If the fourth remittance attribute information successfully matches a target audit prompt rule in the at least one audit prompt rule, the receiving device outputs receipt prompt information associated with the target audit prompt rule. Optionally, the receiving device displays the receipt prompt information in a page processing public area on its display screen to assist an operator in performing relevant receipt operations.

[0086] Optionally, the receiving device receives the inter-bank remittance message and extracts the fourth remittance attribute information from it, calls the preset model control parameters, and traverses the full set of landing reason identification rules to determine whether the fourth remittance attribute information matches the relevant landing reason identification rules. After matching or hitting a single rule or a combination of rule controls, it determines whether the model control parameters are hit, and then matches the receiving prompt information of the corresponding model control parameters for prompting.

[0087] In this embodiment, by matching the fourth remittance attribute information with the audit prompt rules, corresponding receipt prompt information is output to the user after a successful match, which can assist in business audit decision-making, reduce the pressure of manual processing by bank operators, and greatly improve the quality and efficiency of business processing.

[0088] In one embodiment, the audit prompt rules include two types of rules. The first type of rules is as follows:

[0089] Rule 1: Control the audit starting amount;

[0090] Rule 2: Mandatory audit control;

[0091] Rule 3: Credit account type - current account;

[0092] Rule 4: Credit account type - internal account;

[0093] Rule 5: Credit account type - Financial Intelligence Card;

[0094] Rule 6: Lender's internal account number;

[0095] …

[0096] The second category of rules is as follows:

[0097] Account Rule 1: Debit Account Number;

[0098] Account number rule 2: credit account number or receiving account number;

[0099] Account rule 3: Specific account or card number that needs to be controlled;

[0100] …

[0101] Each audit prompt rule is associated with a model control parameter, and then the report receiving prompt information is determined according to the model control parameter. Optionally, each set of model control parameters can be associated with one audit prompt rule, or a combination of multiple audit prompt rules.

[0102] Optionally, the first remittance attribute information, the third remittance attribute information and the fourth remittance attribute information may be the same or different.

[0103] In one embodiment, step S118 specifically includes the following steps:

[0104] Step S1182: If the landing reason identifier is a reason identifier indicating that the payee account number is incorrect, extract the payee account name from the third remittance attribute information;

[0105] Step S1184: Input the payee's account name into the customer attribute recognition model to obtain customer attribute information;

[0106] Step S1186: Perform reception processing on the inter-bank remittance message according to the reception processing operation associated with the customer attribute information.

[0107] Specifically, if the landing reason indicates an incorrect payee account number, the receiving device is processing a transaction with the landing reason "incorrect payee account number." For this type of transaction, the receiving device extracts the payee's account name from the third remittance attribute information and then inputs this name into a customer attribute recognition model to obtain customer attribute information. In one embodiment, the customer attribute information includes one or more of corporate and personal. Finally, the receiving device automatically processes the interbank remittance message based on the associated processing operation associated with the customer attribute information.

[0108] In this embodiment, for the collection and reporting business whose landing reason is "wrong beneficiary account number", the beneficiary account name is input into the customer attribute recognition model to determine the customer attribute information, and then different collection and reporting processing operations are selected according to different customer attribute information to realize automatic collection and reporting processing, which can enrich the application scenarios of automatic collection and reporting processing and improve the applicability of the processing of inter-bank remittance messages.

[0109] In another embodiment, step S118 specifically includes the following steps:

[0110] Step S1181: If the landing reason is a reason indicating that the payee account number does not match the payee account name, obtain the customer attribute information corresponding to the payee account number;

[0111] Step S1183, calculating the similarity between the payee's account name and the pre-stored payee's account name;

[0112] Step S1185, determining a similarity range based on customer attribute information;

[0113] Step S1187: If the similarity is within the similarity range, the inter-bank remittance message is received and processed according to the receiving and processing operation associated with the similarity range.

[0114] Among them, the pre-deposited payee account name is the pre-deposited payee account name corresponding to the payee account number.

[0115] Specifically, if the landing reason is identified as a reason indicating that the payee account number does not match the payee account name, it indicates that the receiving device is processing a receiving business with the landing reason being "the payee account number does not match the payee account name." For this type of receiving business, the receiving device can directly obtain the customer attribute information corresponding to the payee account number through the pre-established correspondence between the payee account number and the customer attribute information. In one embodiment, the customer attribute information includes one or more of corporate or personal. On the other hand, the receiving device calculates the similarity between the payee account name in the inter-bank remittance message and the actual pre-stored payee account name, for example, using the Euclidean distance as the similarity.

[0116] The receiving device then determines a similarity range based on the customer attribute information. This similarity range can be expressed as an interval. Optionally, each type of customer attribute information can correspond to one or more similarity ranges. For example, there is one similarity range for corporate accounts: 0.0000$1.0001, and two similarity ranges for individuals: 0.0000$0.7000 and 0.7000$1.0001. Each similarity range is pre-associated with a corresponding receiving and processing operation. Therefore, the receiving device determines the similarity range within which the similarity falls and automatically receives and processes the interbank remittance message based on the receiving and processing operation associated with that similarity range.

[0117] In this embodiment, for the collection and reporting business whose landing reason is "the beneficiary account number does not match the beneficiary account name", the customer attribute information is determined through the payee account number, and then the similarity range is determined. On the other hand, the similarity between the beneficiary account names is calculated, and the collection and reporting processing operation is determined based on whether the similarity is within the similarity range to realize automatic collection and reporting processing. It can enrich the application scenarios of automatic collection and reporting processing and improve the applicability of the processing of inter-bank remittance messages.

[0118] In another embodiment, if the landing reason identifier indicates that the account transaction limit exceeds the limit, the account status is abnormal and the remittance should be refunded, the account status is abnormal and the branch needs to confirm, the account balance is insufficient, the account does not meet business requirements, or the compliance and regulatory reasons are due, it indicates that the receiving device is processing a receiving transaction with the landing reason of "account transaction limit exceeds the limit, the account status is abnormal and the remittance should be refunded, the account status is abnormal and the branch needs to confirm, the account balance is insufficient, the account does not meet business requirements, or the compliance and regulatory reasons." For these types of receiving transactions, the specific landing reason identifier of the receiving transaction (for example, landing reason code 7923, indicating that the account is long-term inactive and the transaction is rejected) is matched with a predetermined landing reason identification code, and different automatic receiving processing is performed according to the specified receiving processing operation based on the matching result.

[0119] In one embodiment, the receiving and processing operation includes a remittance return operation, such as a direct remittance return operation, a remittance return review operation, etc. Based on this, in one embodiment, the method further includes the following steps:

[0120] Step S132: Obtain additional explanation information for the remittance refund corresponding to the landing reason identifier;

[0121] Step S134: Generate and output the reason for remittance refund in the remittance refund report based on the additional information for remittance refund.

[0122] The additional information on the refund can be pre-stored in the receiving device.

[0123] Specifically, during the automatic reception process, the receiving device will further obtain the additional refund information corresponding to the landing reason identifier and automatically append this additional refund information to the refund reason in the refund report, thereby automatically assigning the refund reason. The receiving device can then send the refund report to the corresponding device receiving the refund, or display the refund reason based on the refund report.

[0124] In this embodiment, the additional explanation information for the remittance refund is directly added to the remittance refund reason in the remittance refund report, which is conducive to the rapid generation of the remittance refund reason and facilitates the user to know the remittance refund reason in time and make adjustments.

[0125] The following describes an embodiment of the present application in conjunction with a specific application scenario. Figure 2 .

[0126] Step S202: construct a model rule library.

[0127] Specifically, a remittance attribute identification rule base is constructed. The remittance attribute identification rule includes the second remittance attribute information. The rules are as follows:

[0128] 1. Match the payee account number, set the specific payee account number to "0", and the associated message receiving processing operation is to transfer the message receiving outlet operation;

[0129] 2. Match the remitter's account name (including fuzzy matching). Set the specific remitter's account name as "zero balance account" and the associated receipt processing operation as transfer to the account opening branch;

[0130] 3. For postscript matching (including fuzzy matching), set the specific keyword in the postscript to "transfer to Bank SinoPac (China) Co., Ltd. Shanghai Branch" and the associated message processing operation to transfer to the account opening branch.

[0131] Build a rule base for identifying landing reasons.

[0132] Reason for failure: The payee's account number is incorrect, the customer attribute is individual, and the corresponding receipt and reporting processing operation is a direct transfer and refund operation. The additional explanation for the refund is "Unable to credit, the refund reason is an incorrect account number or abnormal status";

[0133] Reason for failure: The payee's account number does not match the payee's account name. The customer attribute is individual, and the account name similarity output is between 0.7 and 1. The corresponding receipt processing operation is to transfer the account opening branch operation;

[0134] The landing reason is marked as "7923", which means that the account has been inactive for a long time and the transaction is rejected. The corresponding collection and reporting processing operation is to transfer the account opening branch.

[0135] Build an audit prompt rule library. Audit prompt rules include account rules.

[0136] on the one hand:

[0137] 1. Model control parameter a sets the receipt prompt information A1 and sets the audit prompt rule 1: the audit starting amount is controlled at 5 million;

[0138] 2. Set the receipt prompt information B1 in the model control parameter b, and set the audit prompt rule 2: Control the audit starting amount to 10 million yuan, and set the audit prompt rule 3 - Credit account type to internal account;

[0139] 3. Set the receiving prompt information C1 in the model control parameter c;

[0140] 4. Set automatic operation D1 in the model control parameter d, and set audit prompt rule 4: control the audit starting amount to 100 million.

[0141] on the other hand:

[0142] 1. Set Account Rule 5: Credit Account or Receiving Account, Account Rule 6: Specific Account Number is 0200000309026400308, and associate it with Model Control Parameter C (Set Receipt Prompt Information C1)

[0143] 2. Set the account rule: credit account or receiving account, account rule 7: the specific account number is 0200099811200014339, and is associated with the model control parameter d (automatic operation D1)

[0144] Step S204: parse and split the inter-bank remittance message.

[0145] Specifically, Group A

[0146] Inter-bank remittance message A1: the beneficiary account number is 0;

[0147] Inter-bank remittance message A2: The remitter's account name contains "zero balance account";

[0148] Inter-bank remittance message A3: The postscript contains "to be transferred to Bank SinoPac (China) Co., Ltd., Shanghai Branch".

[0149] Group B (the message content does not include Group A information)

[0150] Interbank remittance message B1: The beneficiary account number in the message is incorrect. The beneficiary account name is "Zhang Xiaoming";

[0151] Inter-bank remittance message B2: The beneficiary account number in the message is correct. The beneficiary account name is "Li Si.", but the actual name maintained in the system is "Li Si";

[0152] Inter-bank remittance message B3: The payee's account number is inactive for a long time.

[0153] Group C ((The message content does not include Group A and Group B information))

[0154] Interbank remittance message C1: The message includes an amount of 1 million yuan;

[0155] Interbank remittance message C2: The message includes an amount of 5.5 million yuan;

[0156] Interbank remittance message C3: The message includes an amount of 11 million yuan and an internal credit account.

[0157] Interbank remittance message C4: Message information includes the receiving account number 0200000309026400308.

[0158] Step S206: Message input and judgment:

[0159] Inter-bank remittance message A1: If the beneficiary account identification rules are matched, the message is automatically transferred to the receiving outlet;

[0160] Inter-bank remittance message A2: If the remitter's account name identification rules are met, the message will be automatically transferred to the account opening branch;

[0161] Inter-bank remittance message A3: If the postscript matching rules are met, the message will be automatically transferred to the account opening website.

[0162] Interbank remittance message B1: The beneficiary account name "Zhang Xiaoming" is identified by the customer attribute recognition model. The model outputs the customer attribute information as individual. The message is automatically converted to a remittance refund, and the remittance refund reason is automatically assigned as "Unable to credit, remittance refund reason is account error or abnormal status";

[0163] Interbank remittance message B2: The beneficiary's account name is "Li Si.". The similarity between the beneficiary's account name and the actual account name "Li Si" is identified using the account name similarity model, and the output similarity is 0.9. The message is automatically forwarded to the account opening branch.

[0164] Interbank remittance message B3: If the specific landing reason of the message matches the system identification code "7923", the message will be automatically transferred to the account opening branch.

[0165] Interbank remittance message C1: No match is found.

[0166] Interbank remittance message C2: matches review prompt rule 1, corresponds to model control parameter a, and matches receipt prompt information A1;

[0167] Interbank remittance message C3: matches review prompt rule 2 and review prompt rule 3, corresponds to model control parameter b, and matches receipt prompt information B1;

[0168] Interbank remittance message C4: matches account rules 5 and 6, corresponds to model control parameter c, and matches receipt prompt information C1.

[0169] Step S208, result output:

[0170] Inter-bank remittance messages in group A\B are automatically received and processed, without the need for manual intervention by bank operators in the receiving equipment on the centralized business platform.

[0171] For Group C inter-bank remittance messages that cannot be automatically processed, manual processing is required as follows:

[0172] The bank operator receives the inter-bank remittance message C1 on the receiving device without any prompts. The operator can handle it according to the original process.

[0173] The bank operator receives interbank remittance message C2 on the receiving device. The page displays prompt A1, and the operator conducts a focused review based on the prompt.

[0174] The bank operator receives interbank remittance message C3 on the receiving device. A prompt B1 appears on the page, indicating a risk. The operator quickly rejects the operation based on the prompt.

[0175] The bank operator receives the inter-bank remittance message C4 on the receiving device, and a prompt C1 is displayed on the page. This prompt is an operation suggestion prompt, and the operator quickly performs the operation according to the prompt.

[0176] In this embodiment, the system automatically processes interbank remittance messages for transfers between account opening and receiving locations, confirmation and bookkeeping, and direct remittance refunds, eliminating the need for manual intervention from the centralized business platform. Remittance refund verification only requires manual confirmation from the centralized business platform's review staff, eliminating the need for manual processing at the supplementary entry post. This facilitates automated processing of interbank remittance transactions and provides prompts for specialized review information, alleviating manual processing pressure, saving processing time and costs, and significantly improving operator efficiency.

[0177] It should be understood that, although the various steps in the flowcharts involved in the various embodiments described above are displayed in sequence according to the instructions of the arrows, these steps are not necessarily executed in sequence in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order restriction on the execution of these steps, and these steps can be executed in other orders. Moreover, at least a portion of the steps in the flowcharts involved in the various embodiments described above can include multiple steps or multiple stages, and these steps or stages are not necessarily executed and completed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a portion of steps or stages in other steps.

[0178] Based on the same inventive concept, embodiments of the present application further provide an interbank remittance message processing device for implementing the aforementioned interbank remittance message processing method. The solution provided by this device is similar to the solution described in the aforementioned method. Therefore, the specific limitations of the one or more interbank remittance message processing device embodiments provided below can be found in the limitations of the interbank remittance message processing method described above, and will not be further elaborated here.

[0179] In one embodiment, Figure 3 As shown, a device for processing inter-bank remittance messages is provided, which is used in a receiving device of a receiving bank, including:

[0180] The message acquisition module 302 is used to acquire the inter-bank remittance message to be processed;

[0181] An information extraction module 304 is configured to extract first remittance attribute information from the inter-bank remittance message;

[0182] An information matching module 306 is configured to match the first remittance attribute information with at least one preset second remittance attribute information;

[0183] The message receiving processing module 308 is configured to perform message receiving processing on the inter-bank remittance message according to the message receiving processing operation associated with the target remittance attribute information if the first remittance attribute information successfully matches the target remittance attribute information in the at least one second remittance attribute information.

[0184] In the above-mentioned interbank remittance message processing device, first, first remittance attribute information is extracted from the interbank remittance message. Based on a match between the first remittance attribute information and at least one preset second remittance attribute information, a receiving and processing operation associated with the matched target remittance attribute information is obtained. Finally, the interbank remittance message is received and processed based on the receiving and processing operation. It can be understood that by employing methods such as attribute information extraction, attribute information matching, and determining a receiving and processing operation based on the associated relationship, this device achieves automatic receiving and processing of interbank remittance messages, reduces user operations, and facilitates improved processing efficiency of interbank remittance messages.

[0185] In one embodiment, the information extraction module 304 is further used to extract the third remittance attribute information in the inter-bank remittance message if the first remittance attribute information fails to match the at least one second remittance attribute information; the information matching module 306 is further used to match the third remittance attribute information with at least one preset landing reason identification rule; if the third remittance attribute information successfully matches the target landing reason identification rule in the at least one landing reason identification rule, the landing reason identifier corresponding to the inter-bank remittance message is determined according to the third remittance attribute information and the target landing reason identification rule; the message receiving and processing operation 308 is further used to receive and process the inter-bank remittance message according to the message receiving and processing operation corresponding to the landing reason identifier.

[0186] In one embodiment, the information extraction module 304 is also used to extract the fourth remittance attribute information in the inter-bank remittance message if the third remittance attribute information fails to match at least one landing reason identification rule; the information matching module 306 is also used to match the fourth remittance attribute information with at least one preset audit prompt rule; if the fourth remittance attribute information successfully matches the target audit prompt rule in at least one audit prompt rule, the receipt prompt information associated with the target audit prompt rule is output.

[0187] In one embodiment, the message receiving and processing operation 308 is specifically used to extract the payee's account name from the third remittance attribute information if the landing reason identifier is a reason identifier indicating that the payee's account number is wrong; input the payee's account name into the customer attribute recognition model to obtain customer attribute information; and perform message receiving and processing on the inter-bank remittance message according to the message receiving and processing operation associated with the customer attribute information.

[0188] In one embodiment, the message receiving and processing operation 308 is specifically used to obtain the customer attribute information corresponding to the payee account number if the landing reason identifier is a reason identifier indicating that the payee account number and the payee account name do not match; calculate the similarity between the payee account name and the pre-stored payee account name, wherein the pre-stored payee account name is a pre-stored payee account name corresponding to the payee account number; determine the similarity range based on the customer attribute information; if the similarity is within the similarity range, then perform message receiving and processing on the inter-bank remittance message based on the message receiving and processing operation associated with the similarity range.

[0189] Each module in the above-mentioned interbank remittance message processing method and apparatus may be implemented in whole or in part by software, hardware, or a combination thereof. Each module may be embedded in or independent of a processor in a computer device in the form of hardware, or may be stored in a memory in the computer device in the form of software, so that the processor can call and execute the corresponding operations of each module.

[0190] In one embodiment, a computer device is provided. The computer device may be a terminal, and its internal structure diagram may be as follows: Figure 4As shown. The computer device includes a processor, memory, communication interface, display screen and input device connected via a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and computer program in the non-volatile storage medium. The communication interface of the computer device is used to communicate with an external terminal in a wired or wireless manner. The wireless manner can be achieved through WIFI, mobile cellular network, NFC (near field communication) or other technologies. When the computer program is executed by the processor, a method for processing inter-bank remittance messages is implemented. The display screen of the computer device can be a liquid crystal display screen or an electronic ink display screen. The input device of the computer device can be a touch layer covering the display screen, or a button, trackball or touchpad provided on the computer device housing, or an external keyboard, touchpad or mouse.

[0191] Those skilled in the art will understand that Figure 4 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than shown in the figure, or combine certain components, or have a different component arrangement.

[0192] In one embodiment, a computer device is provided, including a memory and a processor, wherein a computer program is stored in the memory, and when the processor executes the computer program, the following steps are implemented:

[0193] Obtain pending inter-bank remittance messages;

[0194] Extracting the first remittance attribute information from the inter-bank remittance message;

[0195] Matching the first remittance attribute information with at least one preset second remittance attribute information;

[0196] If the first remittance attribute information successfully matches the target remittance attribute information in at least one second remittance attribute information, the inter-bank remittance message is received and processed according to the receiving and processing operation associated with the target remittance attribute information.

[0197] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0198] If the first remittance attribute information fails to match at least one second remittance attribute information, the third remittance attribute information in the inter-bank remittance message is extracted; the third remittance attribute information is matched with at least one preset landing reason identification rule; if the third remittance attribute information successfully matches the target landing reason identification rule in the at least one landing reason identification rule, the landing reason identifier corresponding to the inter-bank remittance message is determined according to the third remittance attribute information and the target landing reason identification rule; and the inter-bank remittance message is received and processed according to the receiving and processing operation corresponding to the landing reason identifier.

[0199] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0200] If the third remittance attribute information fails to match at least one landing reason identification rule, the fourth remittance attribute information in the inter-bank remittance message is extracted; the fourth remittance attribute information is matched with at least one preset audit prompt rule; if the fourth remittance attribute information successfully matches the target audit prompt rule in at least one audit prompt rule, the receipt prompt information associated with the target audit prompt rule is output.

[0201] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0202] If the landing reason identifier is a reason identifier indicating that the payee account number is incorrect, the payee account name in the third remittance attribute information is extracted; the payee account name is input into the customer attribute recognition model to obtain customer attribute information; and the inter-bank remittance message is received and processed according to the receiving and processing operation associated with the customer attribute information.

[0203] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0204] If the landing reason is identified as a reason indicating that the payee account number does not match the payee account name, obtain the customer attribute information corresponding to the payee account number; calculate the similarity between the payee account name and the pre-stored payee account name, wherein the pre-stored payee account name is the pre-stored payee account name corresponding to the payee account number; determine the similarity range based on the customer attribute information; if the similarity is within the similarity range, perform reception and processing on the inter-bank remittance message based on the reception and processing operation associated with the similarity range.

[0205] In one embodiment, when the processor executes the computer program, the processor further implements the following steps:

[0206] Obtain the additional explanation information for the remittance refund corresponding to the landing reason identifier; based on the additional explanation information for the remittance refund, generate and output the reason for the remittance refund in the remittance refund report.

[0207] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the following steps are implemented:

[0208] Obtain pending inter-bank remittance messages;

[0209] Extracting the first remittance attribute information from the inter-bank remittance message;

[0210] Matching the first remittance attribute information with at least one preset second remittance attribute information;

[0211] If the first remittance attribute information successfully matches the target remittance attribute information in at least one second remittance attribute information, the inter-bank remittance message is received and processed according to the receiving and processing operation associated with the target remittance attribute information.

[0212] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented:

[0213] If the first remittance attribute information fails to match at least one second remittance attribute information, the third remittance attribute information in the inter-bank remittance message is extracted; the third remittance attribute information is matched with at least one preset landing reason identification rule; if the third remittance attribute information successfully matches the target landing reason identification rule in the at least one landing reason identification rule, the landing reason identifier corresponding to the inter-bank remittance message is determined according to the third remittance attribute information and the target landing reason identification rule; and the inter-bank remittance message is received and processed according to the receiving and processing operation corresponding to the landing reason identifier.

[0214] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented:

[0215] If the third remittance attribute information fails to match at least one landing reason identification rule, the fourth remittance attribute information in the inter-bank remittance message is extracted; the fourth remittance attribute information is matched with at least one preset audit prompt rule; if the fourth remittance attribute information successfully matches the target audit prompt rule in at least one audit prompt rule, the receipt prompt information associated with the target audit prompt rule is output.

[0216] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented:

[0217] If the landing reason identifier is a reason identifier indicating that the payee account number is incorrect, the payee account name in the third remittance attribute information is extracted; the payee account name is input into the customer attribute recognition model to obtain customer attribute information; and the inter-bank remittance message is received and processed according to the receiving and processing operation associated with the customer attribute information.

[0218] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented:

[0219] If the landing reason is identified as a reason indicating that the payee account number does not match the payee account name, obtain the customer attribute information corresponding to the payee account number; calculate the similarity between the payee account name and the pre-stored payee account name, wherein the pre-stored payee account name is the pre-stored payee account name corresponding to the payee account number; determine the similarity range based on the customer attribute information; if the similarity is within the similarity range, perform reception and processing on the inter-bank remittance message based on the reception and processing operation associated with the similarity range.

[0220] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented:

[0221] Obtain the additional explanation information for the remittance refund corresponding to the landing reason identifier; based on the additional explanation information for the remittance refund, generate and output the reason for the remittance refund in the remittance refund report.

[0222] In one embodiment, a computer program product is provided, comprising a computer program, which, when executed by a processor, implements the following steps:

[0223] Obtain pending inter-bank remittance messages;

[0224] Extracting the first remittance attribute information from the inter-bank remittance message;

[0225] Matching the first remittance attribute information with at least one preset second remittance attribute information;

[0226] If the first remittance attribute information successfully matches the target remittance attribute information in at least one second remittance attribute information, the inter-bank remittance message is received and processed according to the receiving and processing operation associated with the target remittance attribute information.

[0227] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented:

[0228] If the first remittance attribute information fails to match at least one second remittance attribute information, the third remittance attribute information in the inter-bank remittance message is extracted; the third remittance attribute information is matched with at least one preset landing reason identification rule; if the third remittance attribute information successfully matches the target landing reason identification rule in the at least one landing reason identification rule, the landing reason identifier corresponding to the inter-bank remittance message is determined according to the third remittance attribute information and the target landing reason identification rule; and the inter-bank remittance message is received and processed according to the receiving and processing operation corresponding to the landing reason identifier.

[0229] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented:

[0230] If the third remittance attribute information fails to match at least one landing reason identification rule, the fourth remittance attribute information in the inter-bank remittance message is extracted; the fourth remittance attribute information is matched with at least one preset audit prompt rule; if the fourth remittance attribute information successfully matches the target audit prompt rule in at least one audit prompt rule, the receipt prompt information associated with the target audit prompt rule is output.

[0231] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented:

[0232] If the landing reason identifier is a reason identifier indicating that the payee account number is incorrect, the payee account name in the third remittance attribute information is extracted; the payee account name is input into the customer attribute recognition model to obtain customer attribute information; and the inter-bank remittance message is received and processed according to the receiving and processing operation associated with the customer attribute information.

[0233] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented:

[0234] If the landing reason is identified as a reason indicating that the payee account number does not match the payee account name, obtain the customer attribute information corresponding to the payee account number; calculate the similarity between the payee account name and the pre-stored payee account name, wherein the pre-stored payee account name is the pre-stored payee account name corresponding to the payee account number; determine the similarity range based on the customer attribute information; if the similarity is within the similarity range, perform reception and processing on the inter-bank remittance message based on the reception and processing operation associated with the similarity range.

[0235] In one embodiment, when the computer program is executed by a processor, the following steps are further implemented:

[0236] Obtain the additional explanation information for the remittance refund corresponding to the landing reason identifier; based on the additional explanation information for the remittance refund, generate and output the reason for the remittance refund in the remittance refund report.

[0237] The inter-bank remittance message processing method and device provided in this application can be used in the application scenario of inter-bank remittance in the financial field, and can also be used in any field other than the financial field. This application does not limit the application field of the inter-bank remittance message processing method and device.

[0238] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties.

[0239] Those skilled in the art will appreciate that all or part of the processes in the above-mentioned embodiment methods can be implemented by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, database or other media used in the embodiments provided in this application may include at least one of non-volatile and volatile memory. Non-volatile memory may include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory may include random access memory (RAM) or external cache memory, etc. By way of illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in the various embodiments provided herein may include at least one of a relational database and a non-relational database. Non-relational databases may include, but are not limited to, distributed databases based on blockchains. The processor involved in the various embodiments provided herein may be, but are not limited to, a general-purpose processor, a central processing unit, a graphics processing unit, a digital signal processor, a programmable logic unit, a data processing logic unit based on quantum computing, and the like.

[0240] The technical features of the above embodiments can be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0241] The above-described embodiments merely represent several implementation methods of the present application. While the descriptions are relatively specific and detailed, they should not be construed as limiting the scope of the present application. It should be noted that a person of ordinary skill in the art may make various modifications and improvements without departing from the spirit of the present application, and these modifications and improvements fall within the scope of protection of the present application. Therefore, the scope of protection of the present application shall be determined by the appended claims.

Claims

1. A method for processing inter-bank remittance messages, characterized in that: The method is applied to a receiving device of a receiving bank, comprising: Obtain pending inter-bank remittance messages; extracting first remittance attribute information from the inter-bank remittance message; Matching the first remittance attribute information with at least one preset second remittance attribute information; If the first remittance attribute information successfully matches the target remittance attribute information in the at least one second remittance attribute information, performing a reception processing on the inter-bank remittance message according to the reception processing operation associated with the target remittance attribute information; If the first remittance attribute information fails to match the at least one second remittance attribute information, extracting third remittance attribute information from the inter-bank remittance message; Matching the third remittance attribute information with at least one preset landing reason identification rule; If the third remittance attribute information fails to match the at least one landing reason identification rule, extracting fourth remittance attribute information from the inter-bank remittance message; The fourth remittance attribute information is matched with at least one preset audit prompt rule; if the fourth remittance attribute information successfully matches the target audit prompt rule in the at least one audit prompt rule, the report receipt prompt information associated with the target audit prompt rule is output.

2. The method according to claim 1, characterized in that The method further comprises: If the third remittance attribute information successfully matches the target landing reason identification rule in the at least one landing reason identification rule, determining the landing reason identifier corresponding to the inter-bank remittance message according to the third remittance attribute information and the target landing reason identification rule; The inter-bank remittance message is received and processed according to the receiving and processing operation corresponding to the landing reason identifier.

3. The method according to claim 1 or 2, characterized in that The receiving and processing of the inter-bank remittance message according to the receiving and processing operation corresponding to the landing reason identifier includes: If the landing reason identifier is a reason identifier indicating that the payee account number is incorrect, extracting the payee account name from the third remittance attribute information; Input the payee account name into the customer attribute recognition model to obtain customer attribute information; The inter-bank remittance message is received and processed according to the message receiving and processing operation associated with the customer attribute information.

4. The method according to claim 1 or 2, characterized in that The receiving and processing of the inter-bank remittance message according to the receiving and processing operation corresponding to the landing reason identifier includes: If the landing reason identifier is a reason identifier indicating that the payee account number does not match the payee account name, obtaining customer attribute information corresponding to the payee account number; Calculating the similarity between the payee account name and a pre-stored payee account name, wherein the pre-stored payee account name is a pre-stored payee account name corresponding to the payee account number; Determining a similarity range based on the customer attribute information; If the similarity is within the similarity range, the inter-bank remittance message is received and processed according to the receiving and processing operation associated with the similarity range.

5. The method according to claim 1 or 2, characterized in that The receiving and processing operation includes a remittance return operation; the method further includes: Obtain additional information on the refund corresponding to the landing reason identifier; According to the additional explanation information of the remittance refund, the reason for the remittance refund in the remittance refund report is generated and output.

6. A device for processing inter-bank remittance messages, characterized in that: The device is used in a receiving device of a receiving bank, and includes: The message acquisition module is used to obtain the inter-bank remittance message to be processed; An information extraction module, configured to extract first remittance attribute information from the inter-bank remittance message; an information matching module, configured to match the first remittance attribute information with at least one preset second remittance attribute information; a message receiving and processing module configured to, if the first remittance attribute information successfully matches the target remittance attribute information in the at least one second remittance attribute information, perform message receiving and processing on the inter-bank remittance message according to a message receiving and processing operation associated with the target remittance attribute information; The information extraction module is further configured to extract third remittance attribute information from the inter-bank remittance message if the first remittance attribute information fails to match the at least one second remittance attribute information; The information matching module is further configured to match the third remittance attribute information with at least one preset landing reason identification rule; The information extraction module is further configured to extract fourth remittance attribute information from the inter-bank remittance message if the third remittance attribute information fails to match the at least one landing reason identification rule; The information matching module is also used to match the fourth remittance attribute information with at least one preset audit prompt rule; if the fourth remittance attribute information successfully matches the target audit prompt rule in the at least one audit prompt rule, the report receipt prompt information associated with the target audit prompt rule is output.

7. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 5 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 according to any one of claims 1 to 5 are implemented.

9. A computer program product comprising a computer program, 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 5 are implemented.

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