Method and device for improving fund arrival time limit, and electronic device

Abstract

Embodiments of the present specification provide a method, device and electronic equipment for improving fund arrival time limit, wherein in the method, after receiving a payment request of a payment user, a bank information table pre-stored in a block chain is queried to determine whether the payment bank and the receiving bank are in the bank information table. If the payment bank is in the bank information table, the receiving bank is not in the bank information table, but the region where the receiving bank is located is in the bank information table, the payment user's fund is transferred from the payment bank to a first transfer bank through the block chain, and then the payment user's fund is transferred from the first transfer bank to the receiving bank. Therefore, the payment path of the payment user can be disassembled and matched with the bank existing on the block chain, the payment path is split into the real-time transfer of the block chain and the traditional clearing network in the same region, so that the payment time limit for the payment user can be realized in quasi-real time, and the user experience is improved.

Description

TECHNICAL FIELD

[0001] Embodiments of the present specification relate to the technical field of Internet technology, and in particular to a method and device for improving fund account time and electronic equipment. BACKGROUND

[0002] In the prior art, cross-region real-time account capability of multiple currencies can be realized based on a blockchain. However, the existing cross-region real-time account solution can only realize real-time account when funds are allocated between some accounts, and cannot be combined with a traditional clearing network to provide users with a fund account service with fast time and low cost.

[0003] Therefore, there is a need to provide a solution that can combine a blockchain with a traditional clearing network to improve fund account time. SUMMARY

[0004] Embodiments of the present specification provide a method and device for improving fund account time and electronic equipment to realize the combination of a blockchain and a traditional clearing network, improve fund account time, and improve user experience.

[0005] In a first aspect, the embodiments of the present specification provide a method for improving fund account time, comprising: receiving a payment request of a payment user; the payment request comprising a payment bank of the payment user, a region where the payment bank is located, a payment bank of a payment user, and a region where the payment bank is located; determining whether the payment bank and the payment bank are in the bank information table in the bank information table in the blockchain; if the payment bank is in the bank information table, the payment bank is not in the bank information table, but the region where the payment bank is located is in the bank information table, the funds of the payment user are allocated from the payment bank to a first transfer bank through the blockchain; wherein the first transfer bank is a bank in the bank information table, and the region where the first transfer bank is located is the same as the region where the payment bank is located; and allocating the funds of the payment user from the first transfer bank to the payment bank.

[0006] In one possible implementation, after determining whether the payment bank and the payment bank are in the bank information table by querying the bank information table pre-stored in the blockchain, the method further comprises: if the payment bank and the payment bank are in the bank information table, the funds of the payment user are allocated from the payment bank to the payment bank through the blockchain.

[0007] In one possible implementation, after determining whether the payee bank and the payee bank are in the bank information table by querying the bank information table pre-stored in the blockchain, the method further includes: if the payee bank is not in the bank information table, but the region where the payee bank is located is in the bank information table, and the payee bank is in the bank information table, then the funds of the payee user are transferred from the payee bank to a second transfer bank; the second transfer bank is a bank existing in the bank information table, and the region where the second transfer bank is located is the same as the region where the payee bank is located; the funds of the payee user are transferred from the second transfer bank to the payee bank through the blockchain.

[0008] In one possible implementation, after determining whether the payee bank and the payee bank are in the bank information table by querying the bank information table pre-stored in the blockchain, the method further includes: if the payee bank and the payee bank are not in the bank information table, but the region where the payee bank and the payee bank are located are in the bank information table, then the funds of the payee user are transferred from the payee bank to a third transfer bank; the third transfer bank is a bank existing in the bank information table, and the region where the third transfer bank is located is the same as the region where the payee bank is located; the funds of the payee user are transferred from the third transfer bank to a fourth transfer bank through the blockchain; the fourth transfer bank is a bank existing in the bank information table, and the region where the fourth transfer bank is located is the same as the region where the payee bank is located; the funds of the payee user are transferred from the fourth transfer bank to the payee bank.

[0009] In one possible implementation, before determining whether the payee bank and the payee bank are in the bank information table by querying the bank information table pre-stored in the blockchain, the method further includes: counting the information of banks existing in the blockchain, wherein the information of the bank includes the name of the bank and the region where the bank is located; and saving the bank information obtained by counting in the bank information table.

[0010] In a second aspect, the embodiments of the present specification provide a device for improving fund arrival time limit, comprising: a receiving module configured to receive a payment request of a payment user; the payment request comprises a payment bank of the payment user, a region where the payment bank is located, a payment bank of a payment user, and a region where the payment bank is located; a judging module configured to judge whether the payment bank and the payment bank are in the bank information table by querying the bank information table pre-stored in the blockchain; an allocation module configured to, when the payment bank is in the bank information table, the payment bank is not in the bank information table, but the region where the payment bank is located is in the bank information table, allocate the funds of the payment user from the payment bank to a first transfer bank through the blockchain; wherein the first transfer bank is a bank existing in the bank information table, and the region where the first transfer bank is located is the same as the region where the payment bank is located; and the funds of the payment user are allocated from the first transfer bank to the payment bank.

[0011] In one possible implementation, the allocation module is further configured to, after the judging module judges whether the payment bank and the payment bank are in the bank information table, if the payment bank and the payment bank are in the bank information table, allocate the funds of the payment user from the payment bank to the payment bank through the blockchain.

[0012] In one possible implementation, the allocation module is further configured to, after the judging module judges whether the payment bank and the payment bank are in the bank information table, if the payment bank is not in the bank information table, but the region where the payment bank is located is in the bank information table, and the payment bank is in the bank information table, allocate the funds of the payment user from the payment bank to a second transfer bank; wherein the second transfer bank is a bank existing in the bank information table, and the region where the second transfer bank is located is the same as the region where the payment bank is located; and the funds of the payment user are allocated from the second transfer bank to the payment bank through the blockchain.

[0013] In one possible implementation, the adjusting module is further configured to, after the judging module judges whether the payee bank and the payee bank are in the bank information table, if neither the payee bank nor the payee bank is in the bank information table, but the region where the payee bank is located and the region where the payee bank is located are in the bank information table, adjust the funds of the payee user from the payee bank to a third transfer bank; the third transfer bank is a bank in the bank information table, and the region where the third transfer bank is located is the same as the region where the payee bank is located; and the funds of the payee user are adjusted from the third transfer bank to a fourth transfer bank through a block chain; the fourth transfer bank is a bank in the bank information table, and the region where the fourth transfer bank is located is the same as the region where the payee bank is located; and the funds of the payee user are adjusted from the fourth transfer bank to the payee bank.

[0014] In one possible implementation, the device further includes: a counting module configured to count information of banks in the block chain before the judging module judges whether the payee bank and the payee bank are in the bank information table, wherein the information of the banks includes the name of the bank and the region where the bank is located; and a saving module configured to save the information of the banks counted by the counting module in the bank information table.

[0015] In a third aspect, an electronic device is provided, including: at least one processor; and at least one memory communicatively connected with the processor, wherein: the memory stores program instructions executable by the processor, and the processor invoking the program instructions can execute the method provided in the first aspect.

[0016] In a fourth aspect, a non-transitory computer-readable storage medium is provided, which stores computer instructions, and the computer instructions cause the computer to execute the method provided in the first aspect.

[0017] It should be understood that the second to fourth aspects of the embodiments of the present specification are consistent with the technical solution of the first aspect of the embodiments of the present specification, and the beneficial effects obtained by each aspect and the corresponding feasible implementation manner are similar, and will not be described again. BRIEF DESCRIPTION OF DRAWINGS

[0018] In order to more clearly illustrate the technical solutions of the embodiments of the present specification, the drawings needed in the embodiments will be briefly introduced below. Obviously, the drawings in the following description are only some embodiments of the present specification, and other drawings can be obtained by those skilled in the art without creative labor.

[0019] Figure 1 A schematic diagram of an international blockchain allocation principle provided by the prior art is shown in FIG. 1.

[0020] Figure 2 A flowchart of a method for improving a fund arrival time limit is shown in FIG. 2.

[0021] Figure 3 A flowchart of a method for improving a fund arrival time limit is shown in FIG. 3.

[0022] Figure 4 A flowchart of a method for improving a fund arrival time limit is shown in FIG. 4.

[0023] Figure 5 A flowchart of a method for improving a fund arrival time limit is shown in FIG. 5.

[0024] Figure 6 A flowchart of a method for improving a fund arrival time limit is shown in FIG. 6.

[0025] Figure 7 A structural schematic diagram of an apparatus for improving a fund arrival time limit is shown in FIG. 7.

[0026] Figure 8 A structural schematic diagram of an apparatus for improving a fund arrival time limit is shown in FIG. 8.

[0027] Figure 9 A structural schematic diagram of an electronic device is shown in FIG. 9.

DETAILED DESCRIPTION

[0028] In order to better understand the technical solutions of the present specification, the embodiments of the present specification will be described in detail below with reference to the accompanying drawings.

[0029] It should be clear that the described embodiments are only some of the embodiments of the present specification, but not all the embodiments. Based on the embodiments in the present specification, all other embodiments obtained by a person of ordinary skill in the art without creative labor fall within the scope of protection of the present specification.

[0030] The terms used in the embodiments of the present specification are only for the purpose of describing the specific embodiments, and are not intended to limit the present specification. The singular forms "a", "an" and "the" used in the embodiments of the present specification and the appended claims are also intended to include the plural forms, unless the context clearly indicates otherwise.

[0031] Figure 1 A schematic diagram of an international blockchain allocation principle provided by the prior art is shown in FIG. 1. Figure 1As shown, the collecting bank, the paying bank and the fund allocation system are all on the blockchain, so that the real-time arrival of the collecting account and the paying account on the blockchain can be achieved. However, the fund allocation between the bank accounts on the blockchain is limited. In the prior art, only the fund allocation between some bank accounts can achieve real-time arrival, and the fund allocation between all bank accounts cannot achieve real-time arrival. This results in that the value of the blockchain cannot be well played out, and the user cannot enjoy the convenience of real-time fund allocation in the scenarios of fund allocation, such as merchant settlement or user withdrawal.

[0032] Based on the above problems, the embodiment of the present specification proposes a method for improving the fund arrival time limit. The method can match the payment path of the paying user with the bank existing on the blockchain by disassembling the payment path of the paying user, and split the payment path into the real-time allocation of the blockchain and the traditional clearing network in the same region, so as to achieve the quasi-real-time payment time limit of the paying user and improve the user experience.

[0033] Figure 2 The flowchart of the method for improving the fund arrival time limit provided by an embodiment of the present specification can be applied to a server, for example, a server that can provide a fund allocation function.

[0034] As shown in Figure 2 The above method for improving the fund arrival time limit can include the following steps.

[0035] Step 202, receiving a payment request of a paying user. The payment request includes the paying bank of the paying user, the region where the paying bank is located, the collecting bank of the collecting user and the region where the collecting bank is located.

[0036] In the embodiment, the payment request can be structured. The payment request can include the paying bank of the paying user, the region where the paying bank is located, the collecting bank of the collecting user and the region where the collecting bank is located. Further, the payment request can also include the payment currency of the paying user and the collecting currency of the collecting user.

[0037] For example, the structured payment request can be as shown in Table 1.

[0038] Table 1

[0039]

[0040] Step 204, judging whether the paying bank and the collecting bank are in the bank information table in the blockchain by querying the bank information table pre-stored in the blockchain.

[0041] In this embodiment, the banks existing on the blockchain and the currencies supported by each bank are counted in advance to obtain a bank information table. For example, the bank information table can be as shown in Table 2.

[0042] Table 2

[0043] Bank Region Currency CITI HK HK USD CITI US US USD SCBSG SG USD HSBCSG SG USD

[0044] In step 206, if the above-mentioned payment bank is in the bank information table, the payee bank is not in the bank information table, but the region where the above-mentioned payee bank is located is in the above-mentioned bank information table, then the funds of the payment user are transferred from the above-mentioned payment bank to the first transit bank through the blockchain.

[0045] Among them, the first transit bank is a bank existing in the above-mentioned bank information table, and the region where the first transit bank is located is the same as the region where the above-mentioned payee bank is located.

[0046] In step 208, the funds of the payment user are transferred from the first transit bank to the above-mentioned payee bank.

[0047] Specifically, referring to the payment request shown in Table 1, it can be seen that the payment bank HSBCSG is in the bank information table, the payee bank JMPUS is not in the bank information table, but the region where the payee bank is located is in the above-mentioned bank information table, so the funds can be transferred from HSBCSG to the first transit bank CITIUS through the blockchain. The funds transferred through the blockchain are real-time credited. Then the funds of the payment user are transferred from the first transit bank CITIUS to the payee bank JMPUS, and the funds can be transferred through the traditional clearing network because the banks are in the same region, and the funds can be credited in quasi-real time.

[0048] In the above-mentioned method for improving the fund crediting time efficiency, after receiving the payment request of the payment user, the bank information table pre-stored in the blockchain is queried to determine whether the above-mentioned payment bank and the above-mentioned payee bank are in the above-mentioned bank information table. If the above-mentioned payment bank is in the bank information table, the payee bank is not in the bank information table, but the region where the above-mentioned payee bank is located is in the above-mentioned bank information table, then the funds of the payment user are transferred from the above-mentioned payment bank to the first transit bank, and then the funds of the payment user are transferred from the first transit bank to the above-mentioned payee bank. Therefore, by splitting the payment path of the payment user and matching with the banks existing on the blockchain, the payment path can be split into real-time transfer through the blockchain and traditional clearing network in the same region, so that the payment time efficiency of the payment user can be realized in quasi-real time, and the user experience can be improved.

[0049] Figure 3 The flowchart of the method for improving the fund crediting time efficiency provided by another embodiment of the present application is as shown in Figure 3 the present applicationFigure 2 In the illustrated embodiment, after step 204, the following may also be included:

[0050] Step 302: If both the paying bank and the receiving bank are listed in the bank information table, the funds of the paying user will be transferred from the paying bank to the receiving bank via blockchain.

[0051] As mentioned above, if both the paying bank and the receiving bank are listed in the aforementioned bank information table, funds can be transferred directly through the blockchain, enabling real-time fund arrival.

[0052] Figure 4 A flowchart of a method for improving the timeliness of fund arrival provided in another embodiment of this application is shown below. Figure 4 As shown, this application Figure 2 In the illustrated embodiment, after step 204, the following may also be included:

[0053] Step 402: If the aforementioned paying bank is not in the aforementioned bank information table, but the region where the aforementioned paying bank is located is in the aforementioned bank information table, and the receiving bank is in the aforementioned bank information table, then the funds of the aforementioned paying user will be transferred from the paying bank to the second intermediary bank.

[0054] The second transit bank is a bank listed in the aforementioned bank information table, and the region where the second transit bank is located is the same as the region where the paying bank is located.

[0055] Step 404: Using blockchain, the funds of the aforementioned paying user are transferred from the second intermediary bank to the receiving bank.

[0056] In this embodiment, since the paying bank is not listed in the aforementioned bank information table, but the region where the paying bank is located is, the funds of the paying user can first be transferred from the paying bank to a second intermediary bank. Because this fund transfer involves banks within the same region, it can utilize the traditional clearing network, generally achieving near real-time arrival. Then, through blockchain, the funds of the paying user are transferred from the second intermediary bank to the receiving bank. This blockchain-based fund transfer is also real-time. This allows for the splitting of the payment path into real-time blockchain transfer and a traditional clearing network within the same region, achieving near real-time payment efficiency for the paying user and improving user experience.

[0057] Figure 5 A flowchart of a method for improving the timeliness of fund arrival provided in another embodiment of this application is shown below. Figure 5 As shown, this application Figure 2 In the illustrated embodiment, after step 204, the following may also be included:

[0058] Step 502: If neither the aforementioned paying bank nor the aforementioned receiving bank is listed in the aforementioned bank information table, but both the regions where the aforementioned paying bank and the aforementioned receiving bank are located are listed in the aforementioned bank information table, then the funds of the aforementioned paying user will be transferred from the paying bank to a third intermediary bank.

[0059] The third intermediary bank is one of the banks listed in the aforementioned bank information table, and the location of the third intermediary bank is the same as that of the paying bank.

[0060] Step 504: Using blockchain, transfer the funds of the aforementioned payment users from the third intermediary bank to the fourth intermediary bank.

[0061] The fourth intermediary bank is a bank listed in the aforementioned bank information table, and the location of the fourth intermediary bank is the same as that of the receiving bank.

[0062] Step 506: Transfer the payment user's funds from the fourth intermediary bank to the aforementioned receiving bank.

[0063] In this embodiment, since neither the paying bank nor the receiving bank is listed in the bank information table, but their respective regions are listed, the funds can be first transferred from the paying bank to a third intermediary bank. Because these are banks within the same region, this transfer can utilize the traditional clearing network, generally achieving near real-time arrival. Then, via blockchain, the funds are transferred from the third intermediary bank to a fourth intermediary bank; this blockchain-based transfer is also real-time. Finally, the funds are transferred from the fourth intermediary bank to the receiving bank. This transfer, again within the same region, can utilize the traditional clearing network, also generally achieving near real-time arrival. This allows the payment path to be split into real-time blockchain transfer and a traditional regional clearing network, ensuring near real-time payment to the user and improving user experience.

[0064] Figure 6 A flowchart of a method for improving the timeliness of fund arrival provided in another embodiment of this application is shown below. Figure 6 As shown, this application Figure 2 In the illustrated embodiment, before step 204, the following may also be included:

[0065] Step 602: Collect information on banks existing on the blockchain, including the bank's name and the region where the bank is located.

[0066] Furthermore, the information about the aforementioned bank may also include the currencies supported by the bank. Of course, the information about the aforementioned bank may also include other information, but this embodiment does not limit this.

[0067] Step 604: Save the bank information obtained from the statistics in the bank information table.

[0068] As mentioned above, the bank information table can be shown in Table 2.

[0069] 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.

[0070] Figure 7 This is a schematic diagram of a device for improving the timeliness of fund arrival provided in one embodiment of this specification, as shown below. Figure 7 As shown, the aforementioned device for improving the timeliness of fund arrival may include: a receiving module 71, a judging module 72, and an allocation module 73;

[0071] The receiving module 71 is used to receive a payment request from a paying user; the payment request includes the paying user's paying bank, the region where the paying bank is located, the receiving user's receiving bank, and the region where the receiving bank is located.

[0072] The judgment module 72 is used to determine whether the above-mentioned paying bank and the above-mentioned receiving bank are in the bank information table by querying the bank information table that is stored in the blockchain in advance;

[0073] The transfer module 73 is used to transfer the payer's funds from the paying bank to a first intermediary bank via blockchain when the paying bank is in the bank information table and the receiving bank is not in the bank information table, but the region where the receiving bank is located is in the bank information table; wherein, the first intermediary bank is a bank that exists in the bank information table and the region where the first intermediary bank is located is the same as the region where the receiving bank is located; and to transfer the payer's funds from the first intermediary bank to the receiving bank.

[0074] Figure 7 The device for improving the timeliness of fund arrival provided in the illustrated embodiment can be used to execute this specification. Figure 2 The implementation principle and technical effects of the method embodiment shown can be further referred to the relevant description in the method embodiment.

[0075] Figure 8 This is a schematic diagram of the structure of a device for improving the timeliness of fund arrival provided in another embodiment of this specification, and... Figure 7 Compared to the device shown that improves the timeliness of fund arrival, Figure 8In the device for improving the timeliness of fund arrival shown, the transfer module 73 is also used to transfer the funds of the paying user from the paying bank to the receiving bank through the blockchain after the judgment module 72 determines whether the paying bank and the receiving bank are in the bank information table. If both the paying bank and the receiving bank are in the bank information table, the transfer module 73 is also used to determine whether the paying bank and the receiving bank are in the bank information table.

[0076] Furthermore, the transfer module 73 is also used to transfer the payer's funds from the paying bank to the second intermediary bank after the judgment module 72 determines whether the paying bank and the receiving bank are in the aforementioned bank information table. If the paying bank is not in the aforementioned bank information table, but the region where the paying bank is located is in the aforementioned bank information table, and the receiving bank is in the aforementioned bank information table, then the second intermediary bank is a bank that exists in the aforementioned bank information table, and the region where the second intermediary bank is located is the same as the region where the paying bank is located. And through the blockchain, the payer's funds are transferred from the second intermediary bank to the receiving bank.

[0077] The transfer module 73 is further configured to, after the judgment module 72 determines whether the paying bank and the receiving bank are in the aforementioned bank information table, if neither the paying bank nor the receiving bank is in the bank information table, but both the paying bank and the receiving bank are located in the aforementioned bank information table, then transfer the paying user's funds from the paying bank to a third intermediary bank; wherein the third intermediary bank is a bank existing in the aforementioned bank information table, and the location of the third intermediary bank is the same as the location of the paying bank; and via blockchain, transfer the paying user's funds from the third intermediary bank to a fourth intermediary bank; wherein the fourth intermediary bank is a bank existing in the aforementioned bank information table, and the location of the fourth intermediary bank is the same as the location of the receiving bank; and transfer the paying user's funds from the fourth intermediary bank to the receiving bank.

[0078] Furthermore, the above-mentioned device may also include: a statistics module 74 and a storage module 75;

[0079] The statistics module 74 is used to count the information of banks existing on the blockchain before the judgment module 72 judges whether the paying bank and the receiving bank are in the above-mentioned bank information table. The information of the above-mentioned banks includes the name of the bank and the region where the bank is located.

[0080] The storage module 75 is used to store the bank information obtained by the statistics module 74 in the bank information table.

[0081] Figure 8 The device for improving the timeliness of fund arrival provided in the illustrated embodiment can be used to execute this specification. Figure 2 to Figure 6 The implementation principle and technical effects of the method embodiment shown can be further referred to the relevant description in the method embodiment.

[0082] Figure 9 This is a schematic diagram of the structure of an electronic device provided in one embodiment of this specification, such as... Figure 9 As shown, the electronic device described above may include at least one processor; and at least one memory communicatively connected to the processor, wherein the memory stores program instructions executable by the processor, and the processor can execute this specification by calling the program instructions. Figure 2 to Figure 6 The illustrated embodiment provides a method for improving the timeliness of fund arrival.

[0083] The aforementioned electronic device can be a server, such as a server that can provide fund transfer functions. This server can be located in the cloud. This embodiment does not limit the form of the aforementioned electronic device.

[0084] Figure 9 A block diagram of an exemplary electronic device suitable for implementing embodiments of this specification is shown. Figure 9 The electronic device shown is merely an example and should not be construed as limiting the functionality and scope of use of the embodiments described in this specification.

[0085] like Figure 9 As shown, the electronic device is represented in the form of a general-purpose computing device. The components of the electronic device may include, but are not limited to: one or more processors 410, a communication interface 420, a memory 430, and a communication bus 440 connecting different components (including the memory 430, the communication interface 420, and the processor 410).

[0086] Communication bus 440 represents one or more of several bus architectures, including a memory bus or memory controller, a peripheral bus, a graphics acceleration port, or a local bus using any of the various bus architectures. For example, communication bus 440 may include, but is not limited to, an industry standard architecture (ISA) bus, a micro channel architecture (MCA) bus, an enhanced ISA bus, a video electronics standards association (VESA) local bus, and a peripheral component interconnection (PCI) bus.

[0087] Electronic devices typically include a variety of computer-readable media. These media can be any available media that can be accessed by the electronic device, including volatile and non-volatile media, and removable and non-removable media.

[0088] Memory 430 may include computer system readable media in the form of volatile memory, such as random access memory (RAM) and / or cache memory. Memory 430 may include at least one program product having a set (e.g., at least one) of program modules configured to execute this specification. Figure 2 to Figure 6 The functionality of the illustrated embodiment.

[0089] A program / utility having a set (at least one) of program modules can be stored in memory 430. Such program modules include—but are not limited to—an operating system, one or more application programs, other program modules, and program data. Each or some combination of these examples may include an implementation of a network environment. The program modules typically execute this specification. Figure 2 to Figure 6 The functions and / or methods described in the embodiments.

[0090] Processor 410 executes various functional applications and data processing by running programs stored in memory 430, such as implementing the functions described in this specification. Figure 2 to Figure 6 The illustrated embodiment provides a method for improving the timeliness of fund arrival.

[0091] This specification provides a non-transitory computer-readable storage medium that stores computer instructions that cause the computer to execute this specification. Figure 2 to Figure 6 The illustrated embodiment provides a method for improving the timeliness of fund arrival.

[0092] The aforementioned non-transitory computer-readable storage medium may be any combination of one or more computer-readable media. A computer-readable medium may be a computer-readable signal medium or a computer-readable storage medium. A computer-readable storage medium may be, for example,—but not limited to—an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of computer-readable storage media (a non-exhaustive list) include: an electrical connection having one or more wires, a portable computer disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM) or flash memory, optical fiber, portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination thereof. In this document, a computer-readable storage medium may be any tangible medium that contains or stores a program that may be used by or in connection with an instruction execution system, apparatus, or device.

[0093] Computer-readable signal media may include data signals propagated in baseband or as part of a carrier wave, carrying computer-readable program code. Such propagated data signals may take various forms, including—but not limited to—electromagnetic signals, optical signals, or any suitable combination thereof. Computer-readable signal media may also be any computer-readable medium other than computer-readable storage media, capable of transmitting, propagating, or transmitting programs for use by or in connection with an instruction execution system, apparatus, or device.

[0094] Program code contained on a computer-readable medium may be transmitted using any suitable medium, including—but not limited to—wireless, wire, optical fiber, radio frequency (RF), etc., or any suitable combination thereof.

[0095] Computer program code for performing the operations described herein can be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, and C++, and conventional procedural programming languages ​​such as "C" or similar languages. The program code can be executed entirely on the user's computer, partially on the user's computer, as a standalone software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In cases involving remote computers, the remote computer can be connected to the user's computer via any type of network—including a local area network (LAN) or a wide area network (WAN), or it can be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0096] 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.

[0097] In the description of this specification, the references to terms such as "one embodiment," "some embodiments," "example," "specific example," or "some examples," etc., indicate that a specific feature, structure, material, or characteristic described in connection with that embodiment or example is included in at least one embodiment or example of this specification. In this specification, the illustrative expressions of the above terms do not necessarily refer to the same embodiment or example. Furthermore, the specific features, structures, materials, or characteristics described may be combined in any suitable manner in one or more embodiments or examples. Moreover, without contradiction, those skilled in the art can combine and integrate the different embodiments or examples described in this specification, as well as the features of different embodiments or examples.

[0098] Furthermore, the terms "first" and "second" are used for descriptive purposes only and should not be construed as indicating or implying relative importance or implicitly specifying the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one of that feature. In the description of this specification, "a plurality of" means at least two, such as two, three, etc., unless otherwise explicitly specified.

[0099] Any process or method described in the flowchart or otherwise herein can be understood as representing a module, segment, or portion of code comprising one or more executable instructions for implementing custom logic functions or processes, and the scope of the preferred embodiments of this specification includes additional implementations in which functions may be performed not in the order shown or discussed, including substantially simultaneously or in reverse order depending on the functions involved, as will be understood by those skilled in the art to which the embodiments of this specification pertain.

[0100] Depending on the context, the word "if" as used here can be interpreted as "when," "when," "in response to determination," or "in response to detection." Similarly, depending on the context, the phrase "if determination" or "if detection (of the stated condition or event)" can be interpreted as "when determination," "in response to determination," "when detection (of the stated condition or event)," or "in response to detection (of the stated condition or event)."

[0101] It should be noted that the terminals involved in the embodiments of this specification may include, but are not limited to, personal computers (PCs), personal digital assistants (PDAs), wireless handheld devices, tablet computers, mobile phones, MP3 players, MP4 players, etc.

[0102] In the several embodiments provided in this specification, it should be understood that the disclosed systems, apparatuses, and methods can be implemented in other ways. For example, the apparatus embodiments described above are merely illustrative; for instance, the division of units is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the coupling or direct coupling or communication connection shown or discussed may be through some interfaces; the indirect coupling or communication connection between apparatuses or units may be electrical, mechanical, or other forms.

[0103] Furthermore, the functional units in the various embodiments of this specification can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or in a combination of hardware and software functional units.

[0104] The integrated units implemented as software functional units described above can be stored in a computer-readable storage medium. These software functional units, stored in a storage medium, include several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) or processor to execute some steps of the methods described in the various embodiments of this specification. The aforementioned storage medium includes various media capable of storing program code, such as USB flash drives, portable hard drives, read-only memory (ROM), random access memory (RAM), magnetic disks, or optical disks.

[0105] The above description is merely a preferred embodiment of this specification and is not intended to limit this specification. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this specification should be included within the scope of protection of this specification.

Claims

1. A method to improve the timeliness of fund arrival, comprising: Receive payment requests from paying users; The payment request includes the paying user's paying bank, the region where the paying bank is located, the receiving user's receiving bank, and the region where the receiving bank is located; By querying the bank information table pre-stored in the blockchain, it is determined whether the paying bank and the receiving bank are in the bank information table; If the paying bank is in the bank information table, but the receiving bank is not in the bank information table, but the region where the receiving bank is located is in the bank information table, then the funds of the paying user will be transferred from the paying bank to the first intermediary bank through the blockchain; wherein, the first intermediary bank is a bank that exists in the bank information table, and the region where the first intermediary bank is located is the same as the region where the receiving bank is located; Transfer the funds of the paying user from the first transit bank to the receiving bank; The step of determining whether the paying bank and the receiving bank are listed in the pre-stored bank information table in the blockchain further includes: Collect information on banks existing on the blockchain, including the bank's name and the region where the bank is located; store the collected bank information in a bank information table.

2. The method according to claim 1, wherein, After determining whether the paying bank and the receiving bank are listed in the pre-stored bank information table in the blockchain, the process further includes: If both the paying bank and the receiving bank are in the bank information table, then the funds of the paying user will be transferred from the paying bank to the receiving bank via the blockchain.

3. The method according to claim 1, wherein, After determining whether the paying bank and the receiving bank are listed in the pre-stored bank information table in the blockchain, the process further includes: If the paying bank is not in the bank information table, but the region where the paying bank is located is in the bank information table, and the receiving bank is in the bank information table, then the funds of the paying user will be transferred from the paying bank to a second intermediary bank; wherein, the second intermediary bank is a bank that exists in the bank information table, and the region where the second intermediary bank is located is the same as the region where the paying bank is located; The blockchain is used to transfer the funds of the paying user from the second intermediary bank to the receiving bank.

4. The method according to claim 1, wherein, After determining whether the paying bank and the receiving bank are listed in the pre-stored bank information table in the blockchain, the process further includes: If neither the paying bank nor the receiving bank is listed in the bank information table, but both the paying bank and the receiving bank are located in the same region as the paying bank, then the funds of the paying user will be transferred from the paying bank to a third intermediary bank; wherein the third intermediary bank is a bank that exists in the bank information table, and the region of the third intermediary bank is the same as the region of the paying bank. Through blockchain, the funds of the paying user are transferred from the third intermediary bank to the fourth intermediary bank; wherein the fourth intermediary bank is a bank that exists in the bank information table, and the region where the fourth intermediary bank is located is the same as the region where the receiving bank is located; The funds of the paying user are transferred from the fourth intermediary bank to the receiving bank.

5. A device for improving the timeliness of fund arrival, comprising: The receiving module is used to receive payment requests from paying users; The payment request includes the paying user's paying bank, the region where the paying bank is located, the receiving user's receiving bank, and the region where the receiving bank is located; The judgment module is used to determine whether the paying bank and the receiving bank are in the bank information table that is pre-stored in the blockchain; The transfer module is used to transfer the funds of the paying user from the paying bank to a first intermediary bank via the blockchain when the paying bank is in the bank information table, the receiving bank is not in the bank information table, but the region where the receiving bank is located is in the bank information table; wherein, the first intermediary bank is a bank existing in the bank information table, and the region where the first intermediary bank is located is the same as the region where the receiving bank is located; and to transfer the funds of the paying user from the first intermediary bank to the receiving bank; The device further includes: The statistics module is used to collect information about banks existing on the blockchain before the judgment module determines whether the paying bank and the receiving bank are in the bank information table. The bank information includes the bank's name and the region where the bank is located. The storage module is used to store the bank information obtained by the statistics module in the bank information table.

6. The apparatus according to claim 5, wherein, The transfer module is further configured to, after the judgment module determines whether the paying bank and the receiving bank are in the bank information table, transfer the funds of the paying user from the paying bank to the receiving bank through the blockchain if both the paying bank and the receiving bank are in the bank information table.

7. The apparatus according to claim 5, wherein, The transfer module is further configured to, after the judgment module determines whether the paying bank and the receiving bank are in the bank information table, if the paying bank is not in the bank information table, but the region where the paying bank is located is in the bank information table, and the receiving bank is in the bank information table, then transfer the funds of the paying user from the paying bank to a second intermediary bank; wherein the second intermediary bank is a bank existing in the bank information table, and the region where the second intermediary bank is located is the same as the region where the paying bank is located; and transfer the funds of the paying user from the second intermediary bank to the receiving bank through the blockchain.

8. The apparatus according to claim 5, wherein, The transfer module is further configured to, after the judgment module determines whether the paying bank and the receiving bank are in the bank information table, if neither the paying bank nor the receiving bank is in the bank information table, but both the paying bank and the receiving bank are located in the bank information table, then transfer the paying user's funds from the paying bank to a third intermediary bank; wherein the third intermediary bank is a bank existing in the bank information table, and the location of the third intermediary bank is the same as the location of the paying bank; and via blockchain, transfer the paying user's funds from the third intermediary bank to a fourth intermediary bank; wherein the fourth intermediary bank is a bank existing in the bank information table, and the location of the fourth intermediary bank is the same as the location of the receiving bank; and transfer the paying user's funds from the fourth intermediary bank to the receiving bank.

9. An electronic device, comprising: At least one processor; as well as At least one memory communicatively connected to the processor, wherein: The memory stores program instructions that can be executed by the processor, and the processor can execute the method as described in any one of claims 1 to 4 by calling the program instructions.

10. A non-transitory computer-readable storage medium storing computer instructions that cause the computer to perform the method as claimed in any one of claims 1 to 4.

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