Cross-border remittance progress estimation method, device, equipment, medium and program product

Abstract

The present disclosure provides a method for estimating the progress of cross-border remittances, which can be applied to the field of financial technology. The method includes: whenever a cross-border remittance arrives at a transit bank, obtaining the remittance information of the cross-border remittance at the transit bank; inputting the remittance information into a preset training model, and calculating the estimated time required for the cross-border remittance to be processed and completed at the transit bank on the same day; inputting the remittance information into a preset experience remittance path library, obtaining the remaining transit banks that the cross-border remittance needs to pass through before the business is completed, and obtaining the historical remittance time of the remaining transit banks; calculating the sum of the estimated time and the historical time to obtain the estimated arrival time of the cross-border remittance; and updating the remittance progress information of the cross-border remittance according to the processing status of the cross-border remittance at the transit bank and the remaining transit banks. The present disclosure also provides a cross-border remittance progress estimation device, equipment, storage medium and program product.

Description

Technical Field

[0001] The present disclosure relates to the field of financial technology, and specifically to a method, device, equipment, medium and program product for estimating the progress of cross-border remittances. Background Art

[0002] In cross-border remittances, due to the long remittance links and many checks, customers cannot predict when the funds will eventually reach the payee after submitting a cross-border remittance application. The payee and payee cannot predict when the business will be finally completed and cannot arrange the funds in time. Therefore, a system that can predict and follow up the remittance progress in real time is needed to monitor the remittance progress, so as to help the remitter and the payee know the remittance progress in time.

[0003] Currently, the commonly used methods for obtaining remittance progress are generally SMS notification or online banking inquiry. The SMS notification method includes informing the remitter via SMS that the remittance has entered the next node when the remittance receives feedback from the next node. The online banking inquiry method includes updating the remittance progress on the online banking side when the remittance receives feedback from the next node. The remitter can check the progress of the remittance and ETA (estimated time of arrival) on the online banking. According to the current method of obtaining remittance progress, the remitter will only be notified when the remittance enters the next node (bank), but there is no estimate of how many nodes the amount will eventually pass through and when it will finally reach the payee. Summary of the invention

[0004] In view of the above problems, the present disclosure provides a method, apparatus, device, medium and program product for estimating the progress of cross-border remittances, which facilitate users to timely understand the progress of remittances.

[0005] According to a first aspect of the present disclosure, a method for estimating the progress of cross-border remittances is provided, comprising: whenever a cross-border remittance arrives at a transit bank, obtaining remittance information of the cross-border remittance at the transit bank; inputting the remittance information into a preset training model, and calculating the estimated time required for the cross-border remittance to be processed and settled at the transit bank on the same day; inputting the remittance information into a preset experience remittance path library, obtaining the remaining transit banks that the cross-border remittance needs to pass through before the business is settled, and obtaining the historical remittance time required for the remaining transit banks; calculating the sum of the estimated time required and the historical time required to obtain the estimated arrival time of the cross-border remittance; and updating the remittance progress information of the cross-border remittance according to the processing status of the cross-border remittance at the transit bank and the remaining transit banks.

[0006] According to an embodiment of the present disclosure, the inputting of the remittance information into a preset training model to calculate the estimated time required for the cross-border remittance to be processed and completed at the transit bank on the same day includes: inputting the remittance information into the training model to obtain the landing probability of the cross-border remittance being processed and completed at the transit bank on the same day, wherein the remittance information includes at least the amount, currency, remitter, payee and country of the transit node of the cross-border remittance; performing a weighted calculation based on the landing probability and the historical remittance time required by the transit bank to obtain the estimated time required for the cross-border remittance to be processed and completed at the transit bank on the same day.

[0007] According to an embodiment of the present disclosure, it also includes: judging whether the current day is a holiday in the country to which the transit bank belongs; if the current day is not a holiday in the country to which the transit bank belongs, weightedly calculating the estimated time based on the landing probability and the historical remittance time of the transit bank; if the current day is a holiday of the transit bank, postponing the business completion date of the cross-border remittance to the nearest working day to calculate the estimated time.

[0008] According to an embodiment of the present disclosure, it also includes: whenever the cross-border remittance is processed and completed at a transit bank, the prediction accuracy of the transit bank is calculated based on the estimated time and actual time of the transit bank; and the historical remittance time of the transit bank is updated based on the prediction accuracy.

[0009] According to an embodiment of the present disclosure, it also includes: receiving a progress query request, returning the remittance progress information and the predicted arrival time to the progress query requester, the progress query requester including the remitter and the payee of the cross-border remittance; and / or regularly pushing the remittance progress information and the predicted arrival time to the remitter and the payee of the cross-border remittance.

[0010] According to an embodiment of the present disclosure, it also includes: obtaining the fees for handling the cross-border remittance at the transit node and the remaining transit nodes based on the remittance information; and feeding back the fees to the remitter and the payee of the cross-border remittance.

[0011] A second aspect of the present disclosure provides a cross-border remittance progress estimation device, comprising: a remittance information acquisition module, used to obtain the remittance information of the cross-border remittance at a transit bank whenever the cross-border remittance arrives at the transit bank; a current node time estimation module, used to input the remittance information into a preset training model, and calculate the estimated time consumed for the cross-border remittance to be processed and completed at the transit bank on the same day; a remaining node time estimation module, used to input the remittance information into a preset experience remittance path library, obtain the remaining transit banks that the cross-border remittance needs to pass through before the business is completed, and obtain the historical remittance time consumed by the remaining transit banks; an estimated arrival time calculation module, used to calculate the sum of the estimated time consumed and the historical time consumed, and obtain the estimated arrival time of the cross-border remittance; and a remittance progress update module, used to update the remittance progress information of the cross-border remittance according to the processing status of the cross-border remittance at the transit bank and the remaining transit banks.

[0012] The third aspect of the present disclosure provides an electronic device, comprising: one or more processors; a memory for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors execute the above-mentioned cross-border remittance progress estimation method.

[0013] The fourth aspect of the present disclosure further provides a computer-readable storage medium having executable instructions stored thereon, which, when executed by a processor, causes the processor to execute the above-mentioned cross-border remittance progress estimation method.

[0014] The fifth aspect of the present disclosure also provides a computer program product, including a computer program, which implements the above-mentioned cross-border remittance progress estimation method when executed by a processor.

[0015] According to the cross-border remittance progress estimation method provided by the embodiment of the present disclosure, the remittance progress can be predicted, which can solve the pain points that the current cross-border remittance takes a long time, the notification method is single, and the customer cannot accurately grasp the remittance progress. It can further improve the transparency of remittances and make each node more transparent, which can greatly improve the cross-border remittance customer experience, enable customers to have a further grasp of the remittance progress and the timeliness of funds arrival, and improve the utilization rate of funds. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] The above contents and other objects, features and advantages of the present disclosure will become more apparent through the following description of the embodiments of the present disclosure with reference to the accompanying drawings, in which:

[0017] Figure 1 The application scenario diagram of the cross-border remittance progress estimation method, device, equipment, medium and program product according to the embodiment of the present disclosure is schematically shown;

[0018] Figure 2A flowchart of a method for estimating progress of cross-border remittances according to an embodiment of the present disclosure is schematically shown;

[0019] Figure 3 The following schematically shows a block diagram of the application system structure of the cross-border remittance progress estimation device according to an embodiment of the present disclosure;

[0020] Figure 4 The structure block diagram of the cross-border remittance progress estimation device according to the embodiment of the present disclosure is schematically shown;

[0021] as well as

[0022] Figure 5 A block diagram of an electronic device suitable for implementing a method for estimating progress of cross-border remittances according to an embodiment of the present disclosure is schematically shown. DETAILED DESCRIPTION

[0023] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of the present disclosure. In the following detailed description, for ease of explanation, many specific details are set forth to provide a comprehensive understanding of the embodiments of the present disclosure. However, it is apparent that one or more embodiments may also be implemented without these specific details. In addition, in the following description, descriptions of known structures and technologies are omitted to avoid unnecessary confusion of the concepts of the present disclosure.

[0024] The terms used herein are only for describing specific embodiments and are not intended to limit the present disclosure. The terms "comprise", "include", etc. used herein indicate the existence of the features, steps, operations and / or components, but do not exclude the existence or addition of one or more other features, steps, operations or components.

[0025] All terms (including technical and scientific terms) used herein have the meanings commonly understood by those skilled in the art, unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning consistent with the context of this specification, and should not be interpreted in an idealized or overly rigid manner.

[0026] When using expressions such as "at least one of A, B, and C, etc.", they should generally be interpreted according to the meaning of the expression commonly understood by those skilled in the art (for example, "a system having at least one of A, B, and C" should include but is not limited to a system having A alone, B alone, C alone, A and B, A and C, B and C, and / or A, B, C, etc.).

[0027] It should be noted that the cross-border remittance progress estimation method and device provided by the present disclosure can be used for cross-border remittances in the financial field, and can also be used for cross-border remittances in any field other than the financial field. The application field of the cross-border remittance progress estimation method and device provided by the present disclosure is not limited.

[0028] In the technical solution of the present disclosure, the collection, storage, use, processing, transmission, provision, disclosure and application of user personal information involved comply with the provisions of relevant laws and regulations, take necessary confidentiality measures, and do not violate public order and good morals.

[0029] In the technical solution of the present disclosure, the user's authorization or consent is obtained before obtaining or collecting the user's personal information.

[0030] The embodiments of the present disclosure provide a method for estimating the progress of cross-border remittances, which can overcome the shortcomings of the passive remittance progress notification method and the inability to predict the route in the existing model, and use big data and experience remittance route database to provide a full-view cross-border remittance method to solve the current shortcoming of a single cross-border remittance view.

[0031] Figure 1 The application scenario diagram of the cross-border remittance progress estimation method and device according to an embodiment of the present disclosure is schematically shown.

[0032] like Figure 1 As shown, the application scenario 100 according to this embodiment may include cross-border remittance. The network 104 is used to provide a medium for a communication link between the terminal devices 101, 102, 103 and the server 105. The network 104 may include various connection types, such as wired, wireless communication links or optical fiber cables, etc.

[0033] Users can use terminal devices 101, 102, 103 to interact with server 105 through network 104 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 101, 102, 103, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only examples).

[0034] The terminal devices 101 , 102 , and 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, and desktop computers.

[0035] The server 105 may be a server that provides various services, such as a background management server (only an example) that provides support for websites browsed by users using the terminal devices 101, 102, and 103. The background management server may analyze and process the received data such as user requests, and feed back the processing results (such as web pages, information, or data obtained or generated according to user requests) to the terminal device.

[0036] It should be noted that the cross-border remittance progress estimation method provided in the embodiment of the present disclosure can generally be executed by the server 105. Accordingly, the cross-border remittance progress estimation device provided in the embodiment of the present disclosure can generally be arranged in the server 105. The cross-border remittance progress estimation method provided in the embodiment of the present disclosure can also be executed by a server or server cluster that is different from the server 105 and can communicate with the terminal devices 101, 102, 103 and / or the server 105. Correspondingly, the cross-border remittance progress estimation device provided in the embodiment of the present disclosure can also be arranged in a server or server cluster that is different from the server 105 and can communicate with the terminal devices 101, 102, 103 and / or the server 105.

[0037] It should be understood that Figure 1 The number of terminal devices, networks and servers in the embodiment is only for illustration. Any number of terminal devices, networks and servers may be provided according to implementation requirements.

[0038] The following will be based on Figure 1 The scene described by Figure 2 A method for estimating the progress of cross-border remittances in a disclosed embodiment is described in detail.

[0039] Figure 2 The flowchart of the method for estimating the progress of cross-border remittance according to an embodiment of the present disclosure is schematically shown.

[0040] like Figure 2 As shown, the cross-border remittance progress estimation method of this embodiment includes operations S210 to S250, and the transaction processing method can be executed sequentially.

[0041] In operation S210, whenever a cross-border remittance arrives at a transit bank, remittance information of the cross-border remittance at the transit bank is obtained.

[0042] When making cross-border remittances, you may need to go through multiple transit banks for transfers. It takes a certain amount of time to handle the transfer procedures at each transit bank, and the processing time is related to the amount, currency, remitter, country, and recipient. Whenever a cross-border remittance reaches a transit bank, you can receive remittance information from commercial banks and feedback on the remittance progress and fee information between commercial banks to estimate the processing time.

[0043] In operation S220, the remittance information is input into a preset training model to calculate the estimated time required for the cross-border remittance to be processed and completed by the transit bank on the same day.

[0044] In this embodiment, the model training can be performed based on the historical remittance information of the transit bank, the historical node processing information (including processing time, whether the processing is completed, etc.), etc. to obtain a training model. When a cross-border remittance arrives at the transit bank, its remittance information is input into the training model, and the estimated processing time of the cross-border remittance at the transit bank can be obtained, as well as an estimate of whether the cross-border remittance is completed and landed at the transit bank.

[0045] In operation S230, the remittance information is input into a preset experience remittance route database to obtain the remaining transit banks that the cross-border remittance needs to pass through before the business is completed, and the historical remittance time of the remaining transit banks is obtained.

[0046] In this embodiment, not only can the processing time of the cross-border remittance at a transit bank be estimated after the cross-border remittance arrives at it, but also the remaining transit banks that the cross-border remittance needs to pass through before the remittance arrives can be obtained based on the experience remittance library. The time that the node needs to spend in each remaining transit bank can be estimated, and the estimated arrival time of the cross-border remittance can be obtained, so that the remitter or payee can grasp and preset the remittance processing status in real time.

[0047] In operation S240, the sum of the estimated time consumption and the historical time consumption is calculated to obtain the estimated arrival time of the cross-border remittance.

[0048] In operation S250, the remittance progress information of the cross-border remittance is updated according to the processing status of the cross-border remittance at the transit bank and the remaining transit banks.

[0049] In this embodiment, a full view of the transit banks passed by the cross-border remittance can be generated according to the remittance path of the cross-border remittance, and the current transit bank of the cross-border remittance, as well as the estimated time spent in the transit bank and the estimated arrival time for completing the remittance are shown in the full view, so as to report the remittance progress to the user in real time.

[0050] The following will be combined Figure 3 The cross-border remittance progress estimation method of the embodiment of the present disclosure is further explained.

[0051] Figure 3 The application system structure block diagram of the cross-border remittance progress estimation method according to an embodiment of the present disclosure is schematically shown.

[0052] like Figure 3As shown, the cross-border remittance progress estimation method can be applied to the application system, and the application system 300 may include a SWIFI system 310, a clearing business management platform 320, a big data platform 330, an intelligent analysis result processing module 340 and a personal online banking / SMS platform 350.

[0053] The SWIFT system 310 is responsible for receiving the remittance information and fee information of the cross-border remittance at the transit bank, and receiving feedback on the remittance progress between the commercial transit banks. After the SWIFT system 310 collects the remittance information of the cross-border remittance, it packages it into a GPI message and sends it to the clearing business platform.

[0054] The clearing business management platform 320 can execute the cross-border remittance progress estimation method provided by the embodiment of the present disclosure, obtain the remittance progress information of the cross-border remittance, and call the personal online banking / sms platform 5 to update the remittance progress. Specifically, after the clearing business management platform 320 obtains the GPI message from the SWIFT system 310, the message is parsed according to the message elements and nodes, and stored; then the remittance information required to be used is obtained according to the parsed GPI notification message, such as cost information, node information, and next-hand information; according to the above remittance information, the big data platform 330 is called to obtain historical remittance snapshots (mainly including historical remittance duration, compliance information), historical node processing information (remittances experience several participating banks), and a training model is obtained according to the Bayesian algorithm; the remittance information of this cross-border remittance is input into the preset training model, and the timeliness and cost of the cross-border remittance in the transit bank are determined, and the duration of each node is summarized to obtain the predicted arrival time.

[0055] Big data platform 330 is responsible for receiving historical remittance details and fee information from each transit bank and providing it to the clearing business management platform, which can be used to train models and accumulate experience remittance databases.

[0056] The intelligent analysis result processing module 340 specifically executes the cross-border remittance progress estimation task assigned by the clearing business management platform 320 and executes a specific algorithm.

[0057] The personal online banking / SMS platform 350 is responsible for receiving remittance progress information and updating the remittance progress in near real time, and notifying customers of the remittance progress via SMS.

[0058] The specific functions of the intelligent analysis result processing module 340 are described in detail below.

[0059] A training model may be pre-installed in the intelligent analysis result processing module 340, and the training model is obtained based on the historical remittance details and fee information of each transit bank provided by the big data platform 330. The remittance information of the cross-border remittance is input into the training model to obtain the landing probability of the cross-border remittance being processed and completed at the transit bank on the same day, wherein the remittance information at least includes the amount, currency, remitter, payee and country of the transit node of the cross-border remittance; based on the landing probability and the historical remittance time of the transit bank, a weighted calculation is performed to obtain the estimated time for the cross-border remittance to be processed and completed at the transit bank on the same day.

[0060] Optionally, the remittance information can be processed according to different training categories (including remittance nodes, historical remittance details, current remittance progress, and remittance node countries), and the landing probability of each node (i.e., transit bank) is calculated separately, P(landing|remittance information) = P(remittance information|landing)*P(landing) / P(remittance information), and for each remittance information feature value (amount / currency, remitter, country, payee), the big data sample is used to obtain each feature value of P(remittance information), and each feature value is independent of each other, where P(remittance information) = P(country)*P(remitter)*P(payee)*P(amount / currency).

[0061] Furthermore, since the holidays and clearing times of various countries are fixed, there is a certain probability as to whether the business will be processed on the same day. The cross-border remittance progress estimation method executed by the intelligent analysis result processing module 340 may also include operations S341 to S343.

[0062] In operation S341, it is determined whether the current day is a holiday in the country to which the transit bank belongs.

[0063] In operation S342, if the current day is not a holiday in the country to which the transit bank belongs, the estimated time is weightedly calculated based on the landing probability and the historical remittance time of the transit bank.

[0064] In operation S343, if the current day is a holiday of the transit bank, the business completion date of the cross-border remittance is postponed to the nearest working day to calculate the estimated time.

[0065] In this embodiment, in order to improve the accuracy of the cross-border remittance progress estimation, the cross-border remittance progress estimation method may further include operations S344 to S345.

[0066] In operation S344, whenever the cross-border remittance is processed and completed at a transit bank, the prediction accuracy of the transit bank is calculated based on the estimated time and actual time of the transit bank.

[0067] In operation S345, the historical remittance time of the transit bank is updated based on the prediction accuracy.

[0068] In this embodiment, an accuracy threshold may be preset. When the accuracy threshold is lower than the preset threshold, the historical remittance information training model is re-acquired from the big data platform to improve the accuracy of the estimated time consumption.

[0069] In this embodiment, the personal online banking / SMS platform 350 can receive a progress query request from a remitter or a payee. Upon receiving the request, the remittance progress information and the predicted arrival time are returned to the progress query requesting party, wherein the progress query requesting party includes the remitter and the payee of the cross-border remittance; and / or the remittance progress information and the predicted arrival time are regularly pushed to the remitter and the payee of the cross-border remittance.

[0070] In this embodiment, the cross-border remittance progress estimation method can also calculate the fees incurred by the cross-border remittance at the transit bank while estimating the progress, so that the remitter or the payee can grasp the amount change. Operations S346 to S347 are included.

[0071] In operation S346, the fees for handling the cross-border remittance at the transit node and the remaining transit nodes are obtained based on the remittance information.

[0072] In operation S347, the fee is fed back to the remitter and the recipient of the cross-border remittance.

[0073] According to the cross-border remittance progress estimation method provided by the embodiment of the present disclosure, the remittance progress can be predicted, which can solve the pain points that the current cross-border remittance takes a long time, the notification method is single, and the customer cannot accurately grasp the remittance progress. It can further improve the transparency of remittances and make each node more transparent, which can greatly improve the cross-border remittance customer experience, enable customers to have a further grasp of the remittance progress and the timeliness of funds arrival, and improve the utilization rate of funds.

[0074] Based on the above-mentioned cross-border remittance progress estimation method, the present disclosure also provides a cross-border remittance progress estimation device. Figure 4 The device is described in detail.

[0075] Figure 4 The structural block diagram of a cross-border remittance progress estimation device according to an embodiment of the present disclosure is schematically shown.

[0076] like Figure 4 As shown, a cross-border remittance progress estimation device 400 of this embodiment includes a remittance information acquisition module 410, a current node time estimation module 420, a remaining node time estimation module 430, an estimated arrival time calculation module 440 and a remittance progress update module 450.

[0077] The remittance information acquisition module 410 is used to obtain the remittance information of the cross-border remittance at a transit bank whenever the cross-border remittance arrives at the transit bank. In one embodiment, the remittance information acquisition module 410 can be used to perform the operation S210 described above, which will not be repeated here.

[0078] The current node time-consuming estimation module 420 is used to input the remittance information into a preset training model to calculate the estimated time consumed for the cross-border remittance to be processed and completed at the transit bank on the same day. In one embodiment, the current node time-consuming estimation module 420 can be used to perform the operation S220 described above, which will not be repeated here.

[0079] The remaining node time estimation module 430 is used to input the remittance information into a preset experience remittance path library, obtain the remaining transit banks that the cross-border remittance needs to pass through before the business is completed, and obtain the historical remittance time of the remaining transit banks. In one embodiment, the remaining node time estimation module 430 can be used to perform the operation S230 described above, which will not be repeated here.

[0080] The estimated arrival time calculation module 440 is used to calculate the sum of the estimated time consumption and the historical time consumption to obtain the estimated arrival time of the cross-border remittance. In one embodiment, the estimated arrival time calculation module 440 can be used to perform the operation S240 described above, which will not be repeated here.

[0081] The remittance progress update module 450 is used to update the remittance progress information of the cross-border remittance according to the processing status of the cross-border remittance in the transit bank and the remaining transit banks. In one embodiment, the remittance progress update module 450 can be used to perform the operation S250 described above, which will not be repeated here.

[0082] It should be noted that the cross-border remittance progress estimation device disclosed in the embodiment of the present disclosure has the same technical features as the cross-border remittance progress estimation method provided in the embodiment of the present disclosure, and therefore can also achieve the same technical effects as the cross-border remittance progress estimation method provided in the embodiment of the present disclosure, so it will not be repeated here.

[0083] According to an embodiment of the present disclosure, any multiple modules in the remittance information acquisition module 410, the current node time estimation module 420, the remaining node time estimation module 430, the estimated arrival time calculation module 440 and the remittance progress update module 450 can be combined in one module for implementation, or any one of the modules can be split into multiple modules. Alternatively, at least part of the functions of one or more of these modules can be combined with at least part of the functions of other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the remittance information acquisition module 410, the current node time estimation module 420, the remaining node time estimation module 430, the estimated arrival time calculation module 440 and the remittance progress update module 450 can be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on a chip, a system on a substrate, a system on a package, an application specific integrated circuit (ASIC), or can be implemented by hardware or firmware such as any other reasonable way of integrating or packaging the circuit, or implemented in any one of the three implementation modes of software, hardware and firmware or in any appropriate combination of any of them. Alternatively, at least one of the remittance information acquisition module 410, the current node time estimation module 420, the remaining node time estimation module 430, the estimated arrival time calculation module 440 and the remittance progress update module 450 can be at least partially implemented as a computer program module, and when the computer program module is executed, the corresponding function can be executed.

[0084] Figure 5 A block diagram of an electronic device suitable for implementing a method for estimating progress of cross-border remittances according to an embodiment of the present disclosure is schematically shown.

[0085] like Figure 5 As shown, the electronic device 500 according to an embodiment of the present disclosure includes a processor 501, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 502 or a program loaded from a storage part 508 into a random access memory (RAM) 503. The processor 501 may include, for example, a general-purpose microprocessor (e.g., a CPU), an instruction set processor and / or a related chipset and / or a special-purpose microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 501 may also include an onboard memory for caching purposes. The processor 501 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of the present disclosure.

[0086] In RAM 503, various programs and data required for the operation of electronic device 500 are stored. Processor 501, ROM 502 and RAM 503 are connected to each other via bus 504. Processor 501 performs various operations of the method flow according to the embodiment of the present disclosure by executing the program in ROM 502 and / or RAM 503. It should be noted that the program can also be stored in one or more memories other than ROM 502 and RAM 503. Processor 501 can also perform various operations of the method flow according to the embodiment of the present disclosure by executing the program stored in the one or more memories.

[0087] According to an embodiment of the present disclosure, the electronic device 500 may further include an input / output (I / O) interface 505, which is also connected to the bus 504. The electronic device 500 may further include one or more of the following components connected to the I / O interface 505: an input portion 506 including a keyboard, a mouse, etc.; an output portion 507 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage portion 508 including a hard disk, etc.; and a communication portion 509 including a network interface card such as a LAN card, a modem, etc. The communication portion 509 performs communication processing via a network such as the Internet. A drive 510 is also connected to the I / O interface 505 as needed. A removable medium 511, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 510 as needed, so that a computer program read therefrom is installed into the storage portion 508 as needed.

[0088] The present disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or may exist independently without being assembled into the device / apparatus / system. The above computer-readable storage medium carries one or more programs, and when the above one or more programs are executed, the method according to the embodiment of the present disclosure is implemented.

[0089] According to an embodiment of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, for example, may include but is not limited to: a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof. In the present disclosure, a computer-readable storage medium may be any tangible medium containing or storing a program, which may be used by or in combination with an instruction execution system, an apparatus or a device. For example, according to an embodiment of the present disclosure, a computer-readable storage medium may include the ROM 502 and / or RAM 503 described above and / or one or more memories other than ROM 502 and RAM 503.

[0090] The embodiment of the present disclosure also includes a computer program product, which includes a computer program, and the computer program contains program code for executing the method shown in the flowchart. When the computer program product is run in a computer system, the program code is used to enable the computer system to implement the item recommendation method provided by the embodiment of the present disclosure.

[0091] The above functions defined in the system / device of the embodiment of the present disclosure are performed when the computer program is executed by the processor 501. According to the embodiment of the present disclosure, the system, device, module, unit, etc. described above can be implemented by a computer program module.

[0092] In one embodiment, the computer program may rely on tangible storage media such as optical storage devices, magnetic storage devices, etc. In another embodiment, the computer program may also be transmitted and distributed in the form of signals on a network medium, and downloaded and installed through the communication part 509, and / or installed from the removable medium 511. The program code contained in the computer program may be transmitted using any appropriate network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0093] In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 509, and / or installed from the removable medium 511. When the computer program is executed by the processor 501, the above functions defined in the system of the embodiment of the present disclosure are performed. According to the embodiment of the present disclosure, the system, device, means, module, unit, etc. described above can be implemented by a computer program module.

[0094] According to an embodiment of the present disclosure, the program code for executing the computer program provided by the embodiment of the present disclosure can be written in any combination of one or more programming languages. Specifically, these computing programs can be implemented using high-level process and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, Java, C++, python, "C" language or similar programming languages. The program code can be executed entirely on the user computing device, partially on the user device, partially on the remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device can be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (for example, using an Internet service provider to connect through the Internet).

[0095] The flow charts and block diagrams in the accompanying drawings illustrate the possible architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0096] It will be appreciated by those skilled in the art that the features described in the various embodiments and / or claims of the present disclosure may be combined and / or combined in a variety of ways, even if such combinations and / or combinations are not explicitly described in the present disclosure. In particular, the features described in the various embodiments and / or claims of the present disclosure may be combined and / or combined in a variety of ways without departing from the spirit and teachings of the present disclosure. All of these combinations and / or combinations fall within the scope of the present disclosure.

[0097] The embodiments of the present disclosure are described above. However, these embodiments are only for illustrative purposes and are not intended to limit the scope of the present disclosure. Although the embodiments are described above separately, this does not mean that the measures in the various embodiments cannot be used in combination to advantage. The scope of the present disclosure is defined by the attached claims and their equivalents. Without departing from the scope of the present disclosure, those skilled in the art may make a variety of substitutions and modifications, which should all fall within the scope of the present disclosure.

Claims

1. A method for estimating the progress of cross-border remittances, comprising: Whenever a cross-border remittance arrives at a transit bank, remittance information of the cross-border remittance at the transit bank is obtained; Inputting the remittance information into a preset training model, and calculating the estimated time required for the cross-border remittance to be processed and completed at the transit bank on the same day, including: inputting the remittance information into the training model to obtain the landing probability of the cross-border remittance being processed and completed at the transit bank on the same day, wherein the remittance information at least includes the amount, currency, remitter, payee, and country of the transit node of the cross-border remittance; performing weighted calculation based on the landing probability and the historical remittance time required by the transit bank to obtain the estimated time required for the cross-border remittance to be processed and completed at the transit bank on the same day; Input the remittance information into a preset experience remittance route database to obtain the remaining transit banks that the cross-border remittance needs to go through before the business is completed, and obtain the historical remittance time of the remaining transit banks; Calculate the sum of the estimated time and the historical remittance time of the remaining transit banks to obtain the estimated arrival time of the cross-border remittance; and According to the processing status of the cross-border remittance at the transit bank and the remaining transit banks, the remittance progress information of the cross-border remittance is updated.

2. The method according to claim 1, further comprising: Determine whether the current day is a holiday in the country where the transit bank is located; If the current day is not a holiday in the country to which the transit bank belongs, the estimated time is weightedly calculated based on the landing probability and the historical remittance time of the transit bank; If the day is a holiday of the transit bank, the cross-border remittance business completion date will be postponed to the nearest working day to calculate the estimated time.

3. The method according to claim 1, further comprising: Whenever the cross-border remittance is processed and completed at a transit bank, the prediction accuracy of the transit bank is calculated based on the estimated time and actual time of the transit bank; The historical remittance time of the transit bank is updated based on the prediction accuracy.

4. The method according to claim 1, further comprising: receiving a progress inquiry request, and returning the remittance progress information and the predicted arrival time to the progress inquiry requester, wherein the progress inquiry requester includes the remitter and the beneficiary of the cross-border remittance; and / or The remittance progress information and the predicted arrival time are regularly pushed to the remitter and the payee of the cross-border remittance.

5. The method according to claim 1, further comprising: Based on the remittance information, obtain the business handling fee of the cross-border remittance at the transit node and the remaining transit nodes; The fees are fed back to the remitter and the recipient of the cross-border remittance.

6. A cross-border remittance progress estimation device, comprising: A remittance information acquisition module, used for acquiring the remittance information of a cross-border remittance at a transit bank whenever the cross-border remittance arrives at the transit bank; The current node time consumption estimation module is used to input the remittance information into a preset training model to calculate the estimated time consumption for the cross-border remittance to be processed and completed at the transit bank on the same day, including: inputting the remittance information into the training model to obtain the landing probability of the cross-border remittance being processed and completed at the transit bank on the same day, wherein the remittance information at least includes the amount, currency, remitter, payee and country of the transit node of the cross-border remittance; performing weighted calculation based on the landing probability and the historical remittance time consumption of the transit bank to obtain the estimated time consumption for the cross-border remittance to be processed and completed at the transit bank on the same day; The remaining node time estimation module is used to input the remittance information into a preset experience remittance route library, obtain the remaining transit banks that the cross-border remittance needs to pass through before the business is completed, and obtain the historical remittance time of the remaining transit banks; An estimated arrival time calculation module, used to calculate the sum of the estimated time and the historical remittance time of the remaining transit banks to obtain the estimated arrival time of the cross-border remittance; and The remittance progress updating module is used to update the remittance progress information of the cross-border remittance according to the processing status of the cross-border remittance at the transit bank and the remaining transit banks.

7. An electronic device comprising: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors execute the method according to any one of claims 1 to 5.

8. A computer-readable storage medium having executable instructions stored thereon, which, when executed by a processor, causes the processor to execute the method according to any one of claims 1 to 5.

9. A computer program product, comprising a computer program, wherein when the computer program is executed by a processor, the method according to any one of claims 1 to 5 is implemented.

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