Information acquisition method and apparatus

Abstract

Embodiments of the present specification provide an information obtaining method and device, wherein the information obtaining method comprises: sending a resource processing request to a resource management end, wherein the resource processing request carries a to-be-processed resource and resource processing node information corresponding to the to-be-processed resource; receiving resource processing data sent by the resource management end, wherein the resource processing data contains node processing information of a resource processing node processing the to-be-processed resource, and the resource processing node is determined according to the resource processing node information; parsing the node processing information from the resource processing data, and determining resource processing information of the to-be-processed resource based on the node processing information. Thus, the resource processing information of the resource processing node for the to-be-processed resource is determined based on the resource processing data, the resource processing situation of different institutions is obtained, and the user experience is improved.

Description

Technical Field

[0001] The embodiments in this specification relate to the field of computer technology, and in particular to an information acquisition method. Background Technology

[0002] With the continuous development of internet technology and cross-border trade, there are situations where institutions in different regions need to process the same resources. For example, cross-border banks need to transfer funds, and cross-border logistics companies need to transport goods.

[0003] As cross-border trade flourishes, users have a strong need to obtain information about the resource processing status of different institutions. For example, in cross-border payments, users have a strong need to know the arrival time of funds. Therefore, to improve user experience, there is an urgent need to provide a method for obtaining information about the resource processing status of different institutions. Summary of the Invention

[0004] In view of the above, embodiments of this specification provide an information acquisition method. One or more embodiments of this specification also relate to an information acquisition device, an information acquisition system, a computing device, a computer-readable storage medium, and a computer program, to address the technical deficiencies existing in the prior art.

[0005] According to a first aspect of the embodiments of this specification, an information acquisition method is provided, including:

[0006] Send a resource processing request to the resource management terminal, wherein the resource processing request carries the resource to be processed and the resource processing node information corresponding to the resource to be processed;

[0007] The system receives resource processing data sent by the resource management terminal, wherein the resource processing data includes node processing information of the resource processing node that processes the resource to be processed, and the resource processing node is determined based on the resource processing node information.

[0008] The node processing information is parsed from the resource processing data, and the resource processing information of the resource to be processed is determined based on the node processing information.

[0009] According to a second aspect of the embodiments of this specification, an information acquisition device is provided, comprising:

[0010] The sending module is configured to send a resource processing request to the resource management terminal, wherein the resource processing request carries the resource to be processed and the resource processing node information corresponding to the resource to be processed;

[0011] The receiving module is configured to receive resource processing data sent by the resource management terminal, wherein the resource processing data includes node processing information of the resource processing node that processes the resource to be processed, and the resource processing node is determined based on the resource processing node information;

[0012] The determination module is configured to parse the node processing information from the resource processing data and determine the resource processing information of the resource to be processed based on the node processing information.

[0013] According to a third aspect of the embodiments of this specification, an information acquisition system is provided, including an information acquisition terminal and a resource management terminal, wherein...

[0014] The information acquisition terminal is configured to send a resource processing request to the resource management terminal, wherein the resource processing request carries the resource to be processed and the resource processing node information corresponding to the resource to be processed; and

[0015] The node processing information is parsed from the resource processing data, and the resource processing information of the resource to be processed is determined based on the node processing information.

[0016] The resource management terminal is configured to respond to the resource processing request, determine the resource processing node corresponding to the resource processing node information, process the data to be processed based on the resource processing node, and obtain resource processing data, wherein the resource processing data includes node processing information of the resource processing node that processes the resource to be processed, and send the resource processing data to the information acquisition terminal.

[0017] According to a fourth aspect of the embodiments of this specification, a computing device is provided, comprising:

[0018] Memory and processor;

[0019] The memory is used to store computer-executable instructions, and the processor is used to execute the computer-executable instructions. When the computer-executable instructions are executed by the processor, they implement the steps of the above-described information acquisition method.

[0020] According to a fifth aspect of the embodiments of this specification, a computer-readable storage medium is provided that stores computer-executable instructions, which, when executed by a processor, implement the steps of the information acquisition method described above.

[0021] According to a sixth aspect of the embodiments of this specification, a computer program is provided, wherein when the computer program is executed in a computer, it causes the computer to perform the steps of the above-described information acquisition method.

[0022] This specification provides an information acquisition method, comprising: sending a resource processing request to a resource management terminal, wherein the resource processing request carries a resource to be processed and resource processing node information corresponding to the resource to be processed; receiving resource processing data sent by the resource management terminal, wherein the resource processing data includes node processing information of the resource processing node that processes the resource to be processed, and the resource processing node is determined according to the resource processing node information; parsing the node processing information from the resource processing data, and determining the resource processing information of the resource to be processed based on the node processing information.

[0023] Specifically, this method sends a resource processing request to the resource management terminal and receives resource processing data generated by the resource processing node during the processing of the resource to be processed, which is sent by the resource management terminal. Based on the resource processing data, the method determines the resource processing node and its resource processing information for the resource to be processed, thereby obtaining the resource processing status of the resource processing node for the resource to be processed and improving the user experience when processing resources. Attached Figure Description

[0024] Figure 1 This is a schematic diagram illustrating an application scenario of an information acquisition method provided in one embodiment of this specification;

[0025] Figure 2 This is a flowchart illustrating an information acquisition method provided in one embodiment of this specification;

[0026] Figure 3 This is a flowchart illustrating the processing steps of an information acquisition method provided in one embodiment of this specification.

[0027] Figure 4 This is a schematic diagram of the structure of an information acquisition device provided in one embodiment of this specification;

[0028] Figure 5 This is a schematic diagram of the structure of an information acquisition device provided in one embodiment of this specification;

[0029] Figure 6 This is a structural block diagram of a computing device provided in one embodiment of this specification. Detailed Implementation

[0030] Many specific details are set forth in the following description to provide a full understanding of this specification. However, this specification can be implemented in many other ways than those described herein, and those skilled in the art can make similar extensions without departing from the spirit of this specification. Therefore, this specification is not limited to the specific implementations disclosed below.

[0031] The terminology used in one or more embodiments of this specification is for the purpose of describing particular embodiments only and is not intended to be limiting of the one or more embodiments of this specification. The singular forms “a,” “described,” and “the” as used in one or more embodiments of this specification and the appended claims are also intended to include the plural forms unless the context clearly indicates otherwise. It should also be understood that the term “and / or” as used in one or more embodiments of this specification refers to and includes any or all possible combinations of one or more associated listed items.

[0032] It should be understood that although the terms first, second, etc., may be used to describe various information in one or more embodiments of this specification, such information should not be limited to these terms. These terms are only used to distinguish information of the same type from one another. For example, first may also be referred to as second without departing from the scope of one or more embodiments of this specification, and similarly, second may also be referred to as first. Depending on the context, the word "if" as used herein may be interpreted as "when," "when," or "in response to a determination."

[0033] First, the terms and concepts used in one or more embodiments of this specification will be explained.

[0034] SWIFT stands for Society for Worldwide Interbank Financial Telecommunication. It is a cross-border payment and clearing communication system.

[0035] GPI (Global Payment Innovation): Also known as SWIFT GPI, it is a set of enhanced services provided by the SWIFT organization on top of the existing infrastructure.

[0036] With the continuous development of internet technology and cross-border trade, there are increasing situations where institutions in different regions need to process the same resources. For example, cross-border banks need to transfer funds, and cross-border logistics companies need to transport goods. As cross-border trade flourishes, users have a strong demand for information on how different institutions process resources. For instance, in cross-border payment services, the timing of a merchant's settlement funds arriving in their bank account is a very strong demand, but currently there is no good solution. Existing technology generally relies on expert experience to make predictions, but these predictions have a wide range, low accuracy, and little reference value for the actual arrival of funds for merchants. For example, regarding the timeliness of cross-border fund arrivals, SWIFT launched the GPI function to track the status of each cross-border fund transaction, but this solution also cannot predict the arrival time of funds.

[0037] Although SWIFT's GPI feature can track the status of every cross-border payment, it has two drawbacks:

[0038] 1. The time spent at each stage can only be objectively reflected afterward, and cannot be estimated in advance.

[0039] 2. All transactions must go through the SWIFT network. If a bank is not in the SWIFT network, it cannot obtain the data.

[0040] Based on this, an information acquisition method is provided in this specification. One or more embodiments of this specification also relate to an information acquisition device, an information acquisition system, a computing device, and a computer-readable storage medium, which will be described in detail in the following embodiments.

[0041] See Figure 1 , Figure 1 This is a schematic diagram illustrating an application scenario of an information acquisition method provided in one embodiment of this specification. The information acquisition method provided in this specification can be applied to an information acquisition terminal in an information acquisition system. This information acquisition system may include an information acquisition terminal and a resource management terminal, and the resource management terminal can manage at least two resource processing nodes. The information acquisition terminal can be... Figure 1 In the time-efficiency prediction end, this resource management system can provide... Figure 1 The fund management system in the system, this resource processing node can provide Figure 1 Resource processing nodes in the system.

[0042] Based on this, see Figure 1 The timeliness estimation end can send a timeliness calculation request to the funds management system. This timeliness calculation request is a genuine fund transfer request. The funds management system then responds to this request by sending a fund transfer request to the sending bank, which in turn initiates a fund transfer to the receiving bank. The sending and receiving banks can be located in different countries or regions. The fund transaction between the sending and receiving banks can be a cross-border transaction.

[0043] After the transfer is completed, both the sending and receiving banks send the corresponding statements for the transaction to the funds management system. The funds management system then returns statements A and B to the timeliness estimation end. The timeliness estimation end analyzes the bank statements for both fund disbursement and receipt to determine the arrival time of the funds between the two banks. This arrival time between the two banks can be considered the timeliness of our funds being settled to the merchant's bank card between the two regions.

[0044] The fund disbursement and receipt can be handled using the existing bank accounts in the fund management system. The third-party payment system itself has bank accounts around the world to receive clearing funds from around the globe.

[0045] Based on the above methods, the timeliness of fund arrival can be calculated relatively accurately. By utilizing inter-bank transfers within a third-party payment system (i.e., a fund management system), the timeliness of fund arrival from region A to region B globally can be calculated, thereby improving the merchant experience in cross-border settlements.

[0046] See Figure 2 , Figure 2 This is a flowchart of an information acquisition method provided in one embodiment of this specification, which specifically includes the following steps.

[0047] Step 202: Send a resource processing request to the resource management terminal, wherein the resource processing request carries the resource to be processed and the resource processing node information corresponding to the resource to be processed.

[0048] Here, the resource management terminal can be understood as a server capable of managing the resources to be processed; that is, the resource management terminal is a server. For example, the resource management terminal can be the fund management system in the above embodiment.

[0049] This resource processing request can be understood as a request to process the resource to be processed. The resource to be processed can be funds, goods, or other resources to be processed. Therefore, a resource processing request can be a fund processing request, such as a cross-border transfer request. Alternatively, it can be a goods transportation request, such as a cross-border logistics request.

[0050] The resource processing node can be a node that processes the resource to be processed. For example, it can be a funds processing node, such as a bank or financial institution. Alternatively, it can be a goods processing node, such as a cross-border logistics company or a cross-border logistics warehouse. Correspondingly, the resource processing node information can be understood as a unique identifier for a resource processing node, such as a bank name, logistics company name, or bank number.

[0051] Specifically, the information acquisition method provided in this specification can be applied to the information acquisition terminal of an information acquisition system, which may include an information acquisition terminal and a resource management terminal. Based on this, the information acquisition terminal will send a resource processing request to the resource management terminal.

[0052] Furthermore, in one embodiment provided in this specification, the resource management terminal is user-facing and interacts with the user to determine the resource processing information of the resource to be processed based on the user's instructions. Specifically, sending a resource processing request to the resource management terminal includes:

[0053] Receive information retrieval request sent by user based on information retrieval interface, wherein the information retrieval request carries a resource to be processed and resource processing node information corresponding to the resource to be processed;

[0054] A resource processing request is generated based on the resource to be processed and the resource processing node information, and the resource processing request is sent to the resource management terminal.

[0055] Here, "user" can be understood as the user who calculates the resource processing information, such as an operations and maintenance personnel. The information acquisition interface serves as the interface for interaction between the information acquisition terminal and the user.

[0056] Based on this, the user sends an information retrieval request to the information retrieval terminal through the information retrieval interface provided to the user. This information retrieval request can be a calculation request for the resource processing information. The resource processing information can include transfer time, transfer fee, logistics time, logistics fee, etc.

[0057] After receiving an information acquisition request sent by a user, the information acquisition terminal can generate a resource processing request based on the resource to be processed and the resource processing node information corresponding to the resource to be processed carried in the information acquisition request, and send the resource processing request to the resource management terminal. The information acquisition terminal can be the timeliness prediction terminal in the above embodiment, and the timeliness prediction terminal can be a timeliness prediction module deployed on the device. The timeliness prediction module can be a timeliness prediction program, timeliness prediction device, etc., and the device can be a client or a server.

[0058] Step 204: Receive resource processing data sent by the resource management terminal.

[0059] The resource processing data includes node processing information of resource processing nodes that process the resource to be processed, and the resource processing nodes are determined based on the resource processing node information.

[0060] This resource processing data can be the resource processing records generated during the processing of resources at each resource processing node. For example, this resource processing data can be financial processing bills, commodity logistics information, etc.

[0061] The information processed by this node includes, but is not limited to, the processing time and processing fees of resource processing nodes, such as the time and fees for bank transfers.

[0062] Furthermore, in the embodiments provided in this specification, since there are many resource processing nodes, the process of determining the resource processing information of the funds to be processed based on the resource processing data of these resource processing nodes can be implemented through a neural network, thereby improving the efficiency of information acquisition. Specifically, after receiving the resource processing data sent by the resource management terminal, the process further includes:

[0063] The resource processing data is input into an information acquisition model, and the resource processing data is processed using the information acquisition model to obtain the resource processing information of the resource to be processed.

[0064] The information acquisition model can be any model that enables the acquisition of resource processing information through resource processing data. This specification does not impose any specific restrictions on this model.

[0065] For example, after obtaining the bills generated during the transfer operation between the receiving and sending banks, the information acquisition end can input the bills into the information acquisition model, and use the information acquisition model to analyze and process the bank bills, thereby determining the time required for the bank to carry out the transfer.

[0066] Step 206: Parse the node processing information from the resource processing data, and determine the resource processing information of the resource to be processed based on the node processing information.

[0067] For example, after obtaining the statement generated during the bank's transfer operation, the information acquisition terminal can parse the time when the bank processed the transfer from the statement, which includes fund transfer out and fund transfer in.

[0068] Subsequently, based on the interbank transfer processing time, the transfer time required for a cross-border transfer from Bank A to Bank B is determined.

[0069] It should be noted that the information acquisition method provided in this manual is an information calculation method. After obtaining the fund processing information, that is, the transfer time information, the calculated transfer time information can be displayed to the user when the user makes a cross-border transfer between Bank A and Bank B, so that the user can perceive the time required for the transfer transaction and improve the user experience.

[0070] In the embodiments provided in this specification, there are at least two resource processing nodes, at least two resource processing information, and at least two resource processing information correspond one-to-one with at least two resource processing nodes;

[0071] Accordingly, the step of parsing the node processing information from the resource processing data and determining the resource processing information of the resource to be processed based on the node processing information includes:

[0072] Parse the node processing information of the at least two resource processing nodes from the at least two resource processing data;

[0073] Based on the node processing information, the resource processing information of the at least two resource processing nodes for the resource to be processed is determined.

[0074] Using the previous example, the at least two resource processing nodes can be Bank A and Bank B, and the at least two resource processing data can be Bill A corresponding to Bank A and Bill B corresponding to Bank B. Based on this, after the information acquisition end obtains Bill A and Bill B sent by the resource management system, it can parse the bills to obtain the fund transfer time information of Bank A and the fund transfer time of Bank B receiving the funds.

[0075] Subsequently, the information acquisition terminal can determine the transfer time required between Bank A and Bank B based on the time of fund transfer out and the time of fund transfer in.

[0076] It should be noted that parsing the bank statement yields the data structure shown in Table 1 below, which can be understood as node processing information.

[0077] Table 1

[0078]

[0079] Here, `endToendID` can be understood as a unique identifier for a transfer transaction. In this test request, an `endToendID` needs to be passed through for subsequent data association between the retrieved and received bank statements. Generally, this `endToendID` can be passed through the bank transfer remarks field and reflected on the bank statement. Based on this, in one embodiment provided in this specification, determining the resource processing information of the at least two resource processing nodes for the resource to be processed based on the node processing information includes:

[0080] Parse the data identifiers of the at least two resource processing data from the at least two resource processing data;

[0081] From the at least two resource processing data, determine at least two related resource processing data whose data identifiers are consistent;

[0082] Based on the node processing information parsed from the at least two associated resource processing data, the resource processing information of the at least two resource processing nodes for the resource to be processed is determined.

[0083] This data identifier can be understood as information that uniquely identifies a resource processing procedure, such as the endToendID mentioned above.

[0084] The at least two related resource processing data can be understood as multiple resource processing data with the same data identifier.

[0085] Specifically, in the information acquisition method provided in this specification, considering the large amount of resource processing data provided by the resource management terminal, a data identifier is determined for each resource processing data set to accurately identify the resource processing data associated with a single resource processing operation. This data identifier is carried in the resource processing request. Based on this, the associated resource processing data is subsequently determined from multiple resource processing data sets using this data identifier.

[0086] After determining the at least two associated resource processing data, the node processing information parsed from the at least two associated resource processing data is used to determine the resource processing information of the at least two resource processing nodes for the resource to be processed, ensuring that the information acquisition method can accurately determine the resource processing information of the at least two resource processing nodes for the resource to be processed.

[0087] By integrating the regional information of the banks, we can obtain the timeframe for cross-border fund transfers from one region to another, as shown in Table 2 below.

[0088] Transfer out area Payment area Currency Time of arrival of funds HK (Hong Kong, China) JP (Japan) USD (US Dollar) 3 hours

[0089] In one embodiment provided in this specification, it is considered that at least two resource processing nodes may belong to different regions or countries. There are time differences between different resource processing nodes; therefore, the time difference factor needs to be considered when calculating the transfer time between resource processing nodes, thereby improving the accuracy of resource processing information. Specifically, determining the resource processing information of the at least two resource processing nodes for the resource to be processed based on the node processing information includes:

[0090] Based on the node regions corresponding to the at least two resource processing nodes, determine the time difference information between the node regions;

[0091] Based on the time difference information and the node processing information, the resource processing information of the at least two resource processing nodes for the resource to be processed is determined.

[0092] The node region can be the country or region where different resource processing nodes are located.

[0093] Therefore, in determining the resource processing information, the first step is to determine the node regions corresponding to the at least two resource processing nodes, and then determine the time difference information corresponding to the at least two resource processing information based on these node regions. Subsequently, based on the time difference information and the node processing information, the resource processing information of the at least two resource processing nodes for the resource to be processed is determined.

[0094] Continuing with the previous example, Bank A is located in Singapore, and Bank B is located in Los Angeles, USA. The time difference between Bank A and Bank B is +15 hours, meaning Singapore is 15 hours ahead of Los Angeles. Based on this, the information acquisition end can determine the time difference between Bank A and Bank B after identifying their respective locations. Then, the information acquisition end can parse the statement to obtain the time information for Bank A's fund transfer (2010-06-11 15:00) and the time for Bank B to receive the funds (2010-06-05 15:00).

[0095] Subsequently, the information acquisition terminal can determine the transfer time required between Bank A and Bank B based on the fund transfer time, fund transfer time, and time difference information.

[0096] In the embodiments provided in this specification, the node processing information is the node processing time;

[0097] Accordingly, determining the resource processing information of the at least two resource processing nodes for the resource to be processed based on the node processing information includes:

[0098] From the node processing data of the at least two resource processing nodes, determine the node processing time of the at least two resource processing nodes;

[0099] Based on the node processing time, the resource processing time of the at least two resource processing nodes for the resource to be processed is determined.

[0100] For details regarding this embodiment, please refer to the description of the above embodiments.

[0101] For example, from statement A corresponding to bank A and statement B corresponding to bank B, we can obtain the time information of the fund transfer out of bank A and the time of the fund transfer into bank B. Based on the fund transfer out time and fund transfer in time, we can determine the transfer time information required to transfer funds from bank A to bank B.

[0102] In the embodiments provided in this specification, the node processing information is the node processing cost;

[0103] Accordingly, determining the resource processing information of the at least two resource processing nodes for the resource to be processed based on the node processing information includes:

[0104] Determine the node processing cost of the at least two resource processing nodes from the node processing data of the at least two resource processing nodes.

[0105] Based on the node processing cost, the resource processing cost of the at least two resource processing nodes for the resource to be processed is determined.

[0106] The processing cost of this node can be understood as the cost incurred by the resource processing node in processing the resource to be processed. For example, transfer fees, logistics fees, etc.

[0107] Using the previous example, the at least two resource processing nodes can be Bank A and Bank B, and the at least two resource processing data can be Bill A corresponding to Bank A and Bill B corresponding to Bank B. Based on this, after the information acquisition end obtains Bill A and Bill B sent by the resource management system, it can parse from the bills to obtain the fund transfer fee of Bank A for transferring funds out, and the transfer fee of Bank B for receiving the funds and transferring them into the bank account.

[0108] Subsequently, the information acquisition terminal can determine the total transfer fees required for transferring funds from Bank A to Bank B based on the outward and inward transfer fees.

[0109] In the embodiments provided in this specification, the user sends an information acquisition request to the information acquisition terminal through the information acquisition interface. Based on this, after the information acquisition terminal determines the resource processing information, it can display the resource processing information to the user through the information acquisition interface. Specifically, after determining the resource processing information of the resource to be processed based on the node processing information, the method further includes:

[0110] The resource processing information is rendered onto the information acquisition interface and displayed to the user.

[0111] Using the previous example, after determining the total transfer time required between Bank A and Bank B, the information acquisition terminal can render this transfer time onto the information acquisition interface on the user's terminal, thereby informing the user of the calculated cross-border transfer time between Bank A and Bank B.

[0112] The information acquisition method provided in this specification involves sending a resource processing request to a resource management terminal and receiving resource processing data generated by the resource processing node during the processing of the resource to be processed. Based on the resource processing data, the resource processing node is determined, and the resource processing information for the resource to be processed is obtained. This allows for the acquisition of resource processing information from different organizations, thereby improving the user experience.

[0113] The following is in conjunction with the appendix Figure 3 Taking the application of the information acquisition method provided in this specification in the scenario of cross-border transfer time calculation as an example, the information acquisition method will be further explained. Among them, Figure 3 The present specification shows a flowchart of an information acquisition method according to an embodiment, which includes the following steps.

[0114] Step 302: Initiate a calculation request.

[0115] Specifically, the fund timeliness estimation module initiates a timeliness calculation request. This test request can be a real cross-border transfer request, which includes the funds to be transferred, as well as the bank identifiers of the sending and receiving banks.

[0116] Step 304: Initiate a cross-border fund transfer request to the bank.

[0117] Specifically, the funds management system sends the calculation request to the bank that is transferring the funds.

[0118] Step 306: Funds are deposited into the receiving bank.

[0119] Specifically, in response to the test request, the bank transferring funds will transfer the funds pending transfer from the user's account to the bank receiving the funds.

[0120] Step 308: Retrieve the bank statement.

[0121] Specifically, after a cross-border transfer is completed, the issuing bank sends the transfer statement to the funds management system.

[0122] It should be noted that this test request needs to pass an `endToendID`, which is used for the subsequent data association between retrieving and receiving bank statements. This `endToendID` can be passed through the bank's payment remarks field and reflected on the bank statement.

[0123] Step 310: Obtain the bank statement.

[0124] Specifically, after a cross-border transfer is completed, the receiving bank sends the transfer statement to the funds management system.

[0125] Step 312: Retrieve bill, retrieve bill and return.

[0126] Specifically, the funds management system will retrieve the outgoing and incoming invoices and return them to the timeliness estimation module.

[0127] Step 314: Data association, and calculation of the time between the sending bank and the receiving bank.

[0128] Specifically, the timeliness estimation module uses the `endToendID` to associate the outgoing and incoming invoices corresponding to each calculation request, and analyzes the outgoing bank's disbursement time and the incoming bank's arrival time from these invoices. Based on this, it calculates the arrival time between the outgoing and incoming banks.

[0129] It should be noted that extending the above detection method to various locations globally can yield a relatively accurate estimate of the amount of funds (in XX currency) transferred from region A to region B worldwide. This estimate provides users with certainty in the service provided, optimizing the user experience and enabling us to monitor the timeliness of fund transfers internally.

[0130] Corresponding to the above method embodiments, this specification also provides embodiments of an information acquisition system. Figure 4 A schematic diagram of the structure of an information acquisition system according to one embodiment of this specification is shown. Figure 4 As shown, the system includes an information acquisition terminal 402 and a resource management terminal 404, wherein,

[0131] The information acquisition terminal 402 is configured to send a resource processing request to the resource management terminal 404, wherein the resource processing request carries the resource to be processed and the resource processing node information corresponding to the resource to be processed; and

[0132] The node processing information is parsed from the resource processing data, and the resource processing information of the resource to be processed is determined based on the node processing information.

[0133] The resource management terminal 404 is configured to respond to the resource processing request, determine the resource processing node corresponding to the resource processing node information, and process the data to be processed based on the resource processing node to obtain resource processing data. The resource processing data includes node processing information of the resource processing node that processes the resource to be processed, and sends the resource processing data to the information acquisition terminal 402.

[0134] For example, the information acquisition end can be a timeliness prediction end, the resource management system can be a fund management system, and the resource processing node can be a resource processing node.

[0135] Based on this, the timeliness estimation end can send a timeliness calculation request to the funds management system. This timeliness calculation request is a genuine fund transfer request. The funds management system then responds to this request by sending a fund transfer request to the sending bank A. The sending bank A, in turn, initiates a fund transfer to the receiving bank B. The sending bank A and the receiving bank B can be located in different countries or regions. The fund transaction between the sending bank A and the receiving bank B can be a cross-border fund transaction.

[0136] After the transfer is completed, both the sending bank (A) and the receiving bank (B) send the corresponding transaction statements to the funds management system. The funds management system then returns statements A and B to the timeliness estimation end, which analyzes the bank statements for both the outgoing and incoming funds to determine the arrival time of the funds between the two banks. This arrival time between the two banks can be considered the timeliness of our funds being settled to the merchant's bank card between the two regions.

[0137] The fund disbursement and receipt can be handled using the existing bank accounts in the fund management system. The third-party payment system itself has bank accounts around the world to receive clearing funds from around the globe.

[0138] For an explanation of this fund management system, please refer to the corresponding or relevant content in the above embodiments. This specification does not impose any specific limitations on it.

[0139] The information acquisition system provided in this specification sends a resource processing request to the resource management terminal through the information acquisition terminal, and receives resource processing data generated by the resource processing node during the processing of the resource to be processed, sent by the resource management terminal. Based on the resource processing data, the system determines the resource processing node and the resource processing information for the resource to be processed, thereby obtaining the resource processing status of different institutions and improving the user experience.

[0140] The above is an illustrative scheme of an information acquisition system according to this embodiment. It should be noted that the technical solution of this information acquisition system and the technical solution of the information acquisition method described above belong to the same concept. For details not described in detail in the technical solution of the information acquisition system, please refer to the description of the technical solution of the information acquisition method described above.

[0141] Corresponding to the above method embodiments, this specification also provides embodiments of information acquisition devices. Figure 5 A schematic diagram of an information acquisition device according to one embodiment of this specification is shown. Figure 5 As shown, the device includes:

[0142] The sending module 502 is configured to send a resource processing request to the resource management terminal, wherein the resource processing request carries the resource to be processed and the resource processing node information corresponding to the resource to be processed;

[0143] The receiving module 504 is configured to receive resource processing data sent by the resource management terminal, wherein the resource processing data includes node processing information of the resource processing node that processes the resource to be processed, and the resource processing node is determined based on the resource processing node information.

[0144] The determination module 506 is configured to parse the node processing information from the resource processing data and determine the resource processing information of the resource to be processed based on the node processing information.

[0145] Optionally, the sending module 502 is further configured to:

[0146] Receive information retrieval request sent by user based on information retrieval interface, wherein the information retrieval request carries the resource to be processed and the resource processing node information corresponding to the resource to be processed;

[0147] A resource processing request is generated based on the resource to be processed and the resource processing node information, and the resource processing request is sent to the resource management terminal.

[0148] Optionally, the information acquisition device further includes a display module, configured as follows:

[0149] The resource processing information is rendered onto the information acquisition interface and displayed to the user.

[0150] Optionally, the information acquisition device further includes an input module, configured as follows:

[0151] The resource processing data is input into an information acquisition model, and the resource processing data is processed using the information acquisition model to obtain the resource processing information of the resource to be processed.

[0152] Optionally, there are at least two resource processing nodes and at least two resource processing information, and the at least two resource processing information correspond one-to-one with the at least two resource processing nodes;

[0153] Accordingly, the determining module 506 is further configured to:

[0154] Parse the node processing information of the at least two resource processing nodes from the at least two resource processing data;

[0155] Based on the node processing information, the resource processing information of the at least two resource processing nodes for the resource to be processed is determined.

[0156] Optionally, the determining module 506 is further configured to:

[0157] Based on the node regions corresponding to the at least two resource processing nodes, determine the time difference information between the node regions;

[0158] Based on the time difference information and the node processing information, the resource processing information of the at least two resource processing nodes for the resource to be processed is determined.

[0159] Optionally, the node processing information is the node processing time;

[0160] Accordingly, the determining module 506 is further configured to:

[0161] From the node processing data of the at least two resource processing nodes, determine the node processing time of the at least two resource processing nodes;

[0162] Based on the node processing time, the resource processing time of the at least two resource processing nodes for the resource to be processed is determined.

[0163] Optionally, the node processing information is the node processing cost;

[0164] Accordingly, the determining module 506 is further configured to:

[0165] Determine the node processing cost of the at least two resource processing nodes from the node processing data of the at least two resource processing nodes.

[0166] Based on the node processing cost, the resource processing cost of the at least two resource processing nodes for the resource to be processed is determined.

[0167] Optionally, the determining module 506 is further configured to:

[0168] Parse the data identifiers of the at least two resource processing data from the at least two resource processing data;

[0169] From the at least two resource processing data, determine at least two related resource processing data whose data identifiers are consistent;

[0170] Based on the node processing information parsed from the at least two associated resource processing data, the resource processing information of the at least two resource processing nodes for the resource to be processed is determined.

[0171] The information acquisition device provided in this specification sends a resource processing request to the resource management terminal and receives resource processing data generated by the resource processing node during the processing of the resource to be processed, which is sent by the resource management terminal. Based on the resource processing data, the device determines the resource processing node and the resource processing information for the resource to be processed, thereby obtaining the resource processing status of different institutions and improving the user experience.

[0172] The above is an illustrative scheme of an information acquisition device according to this embodiment. It should be noted that the technical solution of this information acquisition device and the technical solution of the information acquisition method described above belong to the same concept. For details not described in detail in the technical solution of the information acquisition device, please refer to the description of the technical solution of the information acquisition method described above.

[0173] Figure 6 A structural block diagram of a computing device 600 according to one embodiment of this specification is shown. The components of the computing device 600 include, but are not limited to, a memory 610 and a processor 620. The processor 620 is connected to the memory 610 via a bus 630, and a database 650 is used to store data.

[0174] The computing device 600 also includes an access device 640, which enables the computing device 600 to communicate via one or more networks 660. Examples of these networks include a Public Switched Telephone Network (PSTN), a Local Area Network (LAN), a Wide Area Network (WAN), a Personal Area Network (PAN), or a combination of communication networks such as the Internet. The access device 640 may include one or more of any type of wired or wireless network interface (e.g., a Network Interface Card (NIC)), such as an IEEE 802.11 Wireless Local Area Network (WLAN) interface, a Wi-MAX interface, an Ethernet interface, a Universal Serial Bus (USB) interface, a cellular network interface, a Bluetooth interface, a Near Field Communication (NFC) interface, and so on.

[0175] In one embodiment of this specification, the above-described components of the computing device 600 and Figure 6 Other components, not shown, can also be connected to each other, for example, via a bus. It should be understood that... Figure 6 The block diagram of the computing device shown is for illustrative purposes only and is not intended to limit the scope of this specification. Those skilled in the art can add or replace other components as needed.

[0176] The computing device 600 can be any type of stationary or mobile computing device, including mobile computers or mobile computing devices (e.g., tablet computers, personal digital assistants, laptop computers, notebook computers, netbooks, etc.), mobile phones (e.g., smartphones), wearable computing devices (e.g., smartwatches, smart glasses, etc.) or other types of mobile devices, or stationary computing devices such as desktop computers or PCs. The computing device 600 can also be a mobile or stationary server.

[0177] The processor 620 is configured to execute the following computer-executable instructions, which, when executed by the processor, implement the steps of the above-described information acquisition method.

[0178] The above is an illustrative scheme of a computing device according to this embodiment. It should be noted that the technical solution of this computing device and the technical solution of the information acquisition method described above belong to the same concept. For details not described in detail in the technical solution of the computing device, please refer to the description of the technical solution of the information acquisition method described above.

[0179] An embodiment of this specification also provides a computer-readable storage medium storing computer-executable instructions that, when executed by a processor, implement the steps of the above-described information acquisition method.

[0180] The above is an illustrative scheme of a computer-readable storage medium according to this embodiment. It should be noted that the technical solution of this storage medium and the technical solution of the information acquisition method described above belong to the same concept. For details not described in detail in the technical solution of the storage medium, please refer to the description of the technical solution of the information acquisition method described above.

[0181] An embodiment of this specification also provides a computer program, wherein when the computer program is executed in a computer, it causes the computer to perform the steps of the above-described information acquisition method.

[0182] The above is an illustrative example of a computer program according to this embodiment. It should be noted that the technical solution of this computer program and the technical solution of the information acquisition method described above belong to the same concept. Details not described in detail in the technical solution of the computer program can be found in the description of the technical solution of the information acquisition method described above.

[0183] The foregoing has described specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims may be performed in a different order than that shown in the embodiments and may still achieve the desired result. Furthermore, the processes depicted in the drawings do not necessarily require the specific or sequential order shown to achieve the desired result. In some embodiments, multitasking and parallel processing are possible or may be advantageous.

[0184] The computer instructions include computer program code, which may be in the form of source code, object code, executable file, or some intermediate form. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording media, USB flash drive, portable hard drive, magnetic disk, optical disk, computer memory, read-only memory (ROM), random access memory (RAM), electrical carrier signals, telecommunication signals, and software distribution media, etc. It should be noted that the content included in the computer-readable medium may be appropriately added to or subtracted according to the requirements of legislation and patent practice in the jurisdiction. For example, in some jurisdictions, according to legislation and patent practice, computer-readable media may not include electrical carrier signals and telecommunication signals.

[0185] It should be noted that, for the sake of simplicity, the foregoing method embodiments are all described as a series of actions. However, those skilled in the art should understand that the embodiments in this specification are not limited to the described order of actions, because according to the embodiments in this specification, some steps can be performed in other orders or simultaneously. Furthermore, those skilled in the art should also understand that the embodiments described in this specification are all preferred embodiments, and the actions and modules involved are not necessarily essential to the embodiments in this specification.

[0186] In the above embodiments, the descriptions of each embodiment have different focuses. For parts not described in detail in a certain embodiment, please refer to the relevant descriptions of other embodiments.

[0187] The preferred embodiments disclosed above are merely illustrative of this specification. The optional embodiments do not exhaustively describe all details, nor do they limit the invention to the specific implementations described. Clearly, many modifications and variations can be made based on the embodiments described herein. These embodiments are selected and specifically described in this specification to better explain the principles and practical applications of the embodiments, thereby enabling those skilled in the art to better understand and utilize this specification. This specification is limited only by the claims and their full scope and equivalents.

Claims

1. An information acquisition method, comprising: Send a resource processing request to the resource management terminal. The resource processing request carries the resource to be processed and the resource processing node information corresponding to the resource to be processed. The resource processing node information represents the resource processing node identifier that identifies the resource processing node. There are at least two resource processing nodes, including a fund processing node or a commodity processing node. The system receives resource processing data sent by the resource management terminal. The resource processing data includes node processing information of the resource processing node that processes the resource to be processed. The resource processing node is determined based on the resource processing node information. The node processing information includes the processing time of the resource processing node. Parse the node processing information of the at least two resource processing nodes from at least two resource processing data, and determine the resource processing information of the at least two resource processing nodes for the resource to be processed based on the node processing information. Render the resource processing information onto the information acquisition interface and display the resource processing information to the user. The step of determining the resource processing information of the at least two resource processing nodes for the resource to be processed based on the node processing information includes: determining the time difference information between the node regions corresponding to the at least two resource processing nodes; determining the resource processing information of the at least two resource processing nodes for the resource to be processed based on the time difference information and the node processing information; or determining the resource processing information by identifying at least two related resource processing data with consistent data identifiers from the at least two resource processing data.

2. The information acquisition method according to claim 1, wherein sending a resource processing request to the resource management terminal includes: Receive information retrieval request sent by user based on information retrieval interface, wherein the information retrieval request carries a resource to be processed and resource processing node information corresponding to the resource to be processed; A resource processing request is generated based on the resource to be processed and the resource processing node information, and the resource processing request is sent to the resource management terminal.

3. The information acquisition method according to claim 1, further comprising, after receiving the resource processing data sent by the resource management terminal: The resource processing data is input into an information acquisition model, and the resource processing data is processed using the information acquisition model to obtain the resource processing information of the resource to be processed.

4. The information acquisition method according to claim 1, wherein the node processing information is the node processing time; Accordingly, determining the resource processing information of the at least two resource processing nodes for the resource to be processed based on the node processing information includes: From the node processing data of the at least two resource processing nodes, determine the node processing time of the at least two resource processing nodes; Based on the node processing time, the resource processing time of the at least two resource processing nodes for the resource to be processed is determined.

5. The information acquisition method according to claim 1, wherein the node processing information is the node processing cost; Accordingly, determining the resource processing information of the at least two resource processing nodes for the resource to be processed based on the node processing information includes: Determine the node processing cost of the at least two resource processing nodes from the node processing data of the at least two resource processing nodes. Based on the node processing cost, the resource processing cost of the at least two resource processing nodes for the resource to be processed is determined.

6. An information acquisition system, comprising an information acquisition terminal and a resource management terminal, wherein, The information acquisition terminal is configured to send a resource processing request to the resource management terminal. The resource processing request carries a resource to be processed and resource processing node information corresponding to the resource to be processed. The resource processing node information represents a resource processing node identifier, and there are at least two resource processing nodes, including either a funds processing node or a goods processing node. Parse the node processing information of the at least two resource processing nodes from at least two resource processing data, and determine the resource processing information of the at least two resource processing nodes for the resource to be processed based on the node processing information. Render the resource processing information onto the information acquisition interface and display the resource processing information to the user. The step of determining the resource processing information of the at least two resource processing nodes for the resource to be processed based on the node processing information includes: determining the time difference information between the node regions corresponding to the at least two resource processing nodes; determining the resource processing information of the at least two resource processing nodes for the resource to be processed based on the time difference information and the node processing information; or determining the resource processing information by identifying at least two related resource processing data with consistent data identifiers from the at least two resource processing data. The resource management terminal is configured to respond to the resource processing request, determine the resource processing node corresponding to the resource processing node information, process the resource to be processed based on the resource processing node, and obtain resource processing data. The resource processing data includes the node processing information of the resource processing node that processes the resource to be processed, the node processing information includes the processing time of the resource processing node, and the resource processing data is sent to the information acquisition terminal.

7. An information acquisition device, comprising: The sending module is configured to send a resource processing request to the resource management terminal. The resource processing request carries a resource to be processed and resource processing node information corresponding to the resource to be processed. The resource processing node information represents a resource processing node identifier that identifies the resource processing node. There are at least two resource processing nodes, including a fund processing node or a commodity processing node. The receiving module is configured to receive resource processing data sent by the resource management terminal, wherein the resource processing data includes node processing information of the resource processing node that processes the resource to be processed, the resource processing node is determined according to the resource processing node information, and the node processing information includes the processing time of the resource processing node; The determination module is configured to parse the node processing information of the at least two resource processing nodes from at least two resource processing data sets, determine the resource processing information of the at least two resource processing nodes for the resource to be processed based on the node processing information, render the resource processing information to an information acquisition interface, and display the resource processing information to the user. Specifically, determining the resource processing information of the at least two resource processing nodes for the resource to be processed based on the node processing information includes: determining the time difference information between the node regions corresponding to the at least two resource processing nodes; determining the resource processing information of the at least two resource processing nodes for the resource to be processed based on the time difference information and the node processing information; or determining the resource processing information by identifying at least two related resource processing data sets with consistent data identifiers from the at least two resource processing data sets.

8. A computing device, comprising: Memory and processor; The memory is used to store computer-executable instructions, and the processor is used to execute the computer-executable instructions, which, when executed by the processor, implement the steps of the information acquisition method according to any one of claims 1 to 5.

9. A computer-readable storage medium storing computer-executable instructions that, when executed by a processor, implement the steps of the information acquisition method according to any one of claims 1 to 5.

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