A method, apparatus, device and medium for resource transfer

Abstract

Embodiments of the present specification disclose a resource transfer method, device, equipment and medium. The scheme can include: obtaining operation information for resource transfer sent by a user; the operation information includes the user-provided payment agency identifier information of a payment agency and time limit requirement information of resource transfer; determining a payment agency belonging to the same clearing network as the payment agency according to the payment agency identifier information; determining a first target payment agency meeting the time limit requirement information from the payment agencies belonging to the same clearing network as the payment agency; supplementing the payment agency information required by the first target payment agency to process the resource transfer business of the payment agency, so that the first target payment agency processes the resource transfer business according to the supplemented payment agency information.

Description

Technical Field

[0001] This application relates to the field of computer data processing technology, and in particular to a method, apparatus, device and medium for resource transfer. Background Technology

[0002] In our current cross-border fund transfer operations, we face transfer requests from multiple banks, regions, and clearing networks. Different banks, regions, and clearing networks have different requirements for the input messages. These messages are prone to errors when entered by users, leading to fund transfer failures. Furthermore, there is a lack of validation and error correction capabilities when users enter related fields. Simultaneously, when fund transfer operations support better payment methods, existing user card information does not meet the message requirements of these methods, preventing cost reductions or forcing users to provide additional information, which is user-unfriendly, results in a poor user experience, and leads to a high fund transfer failure rate. Summary of the Invention

[0003] This specification provides a method, apparatus, device, and medium for resource transfer to address the problems of high failure rates and poor user experience in existing resource transfer methods.

[0004] To solve the above-mentioned technical problems, the embodiments in this specification are implemented as follows:

[0005] This specification provides an embodiment of a resource transfer method, which may include:

[0006] Obtain operation information sent by the user for resource transfer; the operation information may include the collection institution identification information of the collection institution provided by the user and the timeliness requirement information for resource transfer;

[0007] Based on the receiving institution's identification information, identify the payment institution that belongs to the same clearing network as the receiving institution;

[0008] A first target payment institution that meets the timeliness requirement information is determined from among the payment institutions that belong to the same clearing network as the receiving institution;

[0009] Supplement the first target payment institution with the collection institution's resource transfer information required for processing the collection institution's resource transfer business, so that the first target payment institution can process the resource transfer business based on the supplemented collection institution information.

[0010] The resource transfer apparatus provided in the embodiments of this specification may include:

[0011] The information acquisition module is used to acquire operation information sent by the user for resource transfer; the operation information may include the collection institution identification information of the collection institution provided by the user and the timeliness requirement information of the resource transfer.

[0012] The first determining module is used to determine, based on the receiving institution's identification information, a payment institution belonging to the same clearing network as the receiving institution;

[0013] The second determining module is used to determine a first target payment institution that meets the timeliness requirement information from payment institutions that belong to the same clearing network as the receiving institution;

[0014] The resource processing module is used to supplement the collection institution information required by the first target payment institution to process the resource transfer business of the collection institution, so that the first target payment institution can process the resource transfer business according to the supplemented collection institution information.

[0015] This specification provides an embodiment of a resource transfer device, which may include:

[0016] At least one processor; and,

[0017] A memory communicatively connected to the at least one processor; wherein,

[0018] The memory stores instructions executable by the at least one processor, which, when executed by the at least one processor, enable the at least one processor to:

[0019] Obtain operation information sent by the user for resource transfer; the operation information may include the collection institution identification information of the collection institution provided by the user and the timeliness requirement information for resource transfer;

[0020] Based on the receiving institution's identification information, identify the payment institution that belongs to the same clearing network as the receiving institution;

[0021] A first target payment institution that meets the timeliness requirement information is determined from among the payment institutions that belong to the same clearing network as the receiving institution;

[0022] Supplement the first target payment institution with the collection institution's resource transfer information required for processing the collection institution's resource transfer business, so that the first target payment institution can process the resource transfer business based on the supplemented collection institution information.

[0023] This specification provides an embodiment of a computer-readable medium storing computer-readable instructions that can be executed by a processor to implement a method for resource transfer.

[0024] At least one embodiment of this specification achieves the following beneficial effects: by acquiring operation information sent by the user for resource transfer, determining a payment institution belonging to the same clearing network as the payment institution based on the payment institution identification information included in the operation information, and then determining a first target payment institution from among the payment institutions that meets the timeliness requirements included in the operation information, automatically supplementing the payment institution with the payment institution information required for the first target payment institution to process the resource transfer business of the payment institution, thus facilitating the payment institution to process the resource transfer business based on the payment institution information. This reduces the amount of information required for user input, lowers the probability of resource transfer failure due to user input errors, and improves the user experience.

[0025] Furthermore, resource transfer transactions can be executed through payment institutions that are in the same clearing network as the receiving institution, which can avoid resource transfer failures caused by different clearing networks, thereby improving the success rate of resource transfers and better meeting user needs. Attached Figure Description

[0026] To more clearly illustrate the technical solutions in the embodiments or prior art of this specification, the drawings used in the description of the embodiments or prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0027] Figure 1 This is a schematic diagram of the overall scheme architecture of a resource transfer method provided in the embodiments of this specification in a practical application scenario;

[0028] Figure 2 This is a flowchart illustrating a resource transfer method provided in an embodiment of this specification;

[0029] Figure 3 This is a swimlane diagram of a resource transfer method provided in the embodiments of this specification;

[0030] Figure 4 This is a schematic flowchart of a resource transfer device provided in an embodiment of this specification;

[0031] Figure 5 This is a schematic diagram of the structure of a resource transfer device provided in the embodiments of this specification. Detailed Implementation

[0032] To make the objectives, technical solutions, and advantages of one or more embodiments of this specification clearer, the technical solutions of one or more embodiments of this specification will be clearly and completely described below in conjunction with specific embodiments and corresponding drawings. Obviously, the described embodiments are only a part of the embodiments of this specification, and not all of them. Based on the embodiments in this specification, all other embodiments obtained by those skilled in the art without creative effort are within the protection scope of one or more embodiments of this specification.

[0033] The technical solutions provided in the various embodiments of this specification are described in detail below with reference to the accompanying drawings.

[0034] In existing technologies, cross-border fund transfer transactions involve requests from multiple banks, regions, and clearing networks. Different banks, regions, and clearing networks have different requirements for the input messages. When processing transactions, users are required to fill in all the information needed by the clearing network or bank. Because the amount of information required is substantial, errors are easily made during input, leading to unsuccessful transactions and a poor user experience.

[0035] To address the shortcomings of existing technologies, this solution provides the following embodiments:

[0036] Figure 1 This is a schematic diagram illustrating the overall architecture of a resource transfer method described in this specification in a practical application scenario. Figure 1 As shown, the scheme mainly includes: a resource transfer interface 1, a server 2, and a target payment institution 3. In practical applications, server 2 can determine the target payment institution 3 based on the data information entered by the user in the resource transfer interface. The data information entered by the user in the resource transfer interface is essential data, such as the user's receiving account, transfer amount, and receiving currency. The currency in resource transfer interface 1 is for illustrative purposes only; in actual applications, the currency is not limited to these three currencies and can also be other currencies, such as the ruble, (Dutch) guilder, Thai baht, and Swiss franc. Based on the received essential data information for the resource transfer and the essential data information entered by the user in the resource transfer interface, server 2 queries payment institutions on the same clearing network as the receiving institution, selects the payment institution that meets the user's timeliness requirements as the target payment institution 3, and automatically supplements the target payment institution 3 with other receiving institution information required by the target payment institution based on the essential data information entered by the user, enabling the target payment institution 3 to successfully complete the user's resource transfer.

[0037] Next, a method for transferring resources provided in the embodiments of the specification will be described in detail with reference to the accompanying drawings:

[0038] Figure 2 This is a flowchart illustrating a resource transfer method provided in an embodiment of this specification. From a programmatic perspective, the entity executing the process can be a program hosted on an application server or an application client. From a hardware perspective, it can be a platform capable of handling resource transfer operations, such as a network platform with fund transfer functionality.

[0039] like Figure 2 As shown, the process may include the following steps:

[0040] Step 202: Obtain the operation information sent by the user for resource transfer; the operation information may include the collection institution identification information of the collection institution provided by the user and the timeliness requirement information for resource transfer.

[0041] In the embodiments of this specification, resource transfer can refer to fund transfer, such as bank transfer, withdrawal, and settlement. In practical applications, it can also be used for resource transfer transactions based on cross-border fund allocation, such as withdrawals and settlements initiated by merchants on some international trading platforms. Allocation refers to the process of transferring funds from account A to account B through a valid payment instruction, which involves factors such as arrival time and transfer fees. The receiving institution identification information included in the operation information can be the recipient's card number, name, or unique identifier such as the bank's international code. The bank's international code is a bank identification code proposed by the Society Worldwide Interbank Financial Telecommunication (SWIFT) and adopted by the International Organization for Standardization (ISO). Member banks of SWIFT have their own specific bank international codes. During wire transfers, the remitting bank sends a payment message according to the receiving bank's code to transfer funds to the receiving bank. The timeliness requirement information for resource transfer can be the user's expected timeframe for successful fund transfer.

[0042] In practical applications, taking cross-border cash withdrawal as an example, when purchasing goods on an international or cross-border online platform, if the seller is an overseas user, after the transaction is completed in China, the transaction funds are stored in the user's domestic account or the corresponding intermediary account of the online shopping platform. If the user wants to withdraw the transaction funds to an overseas receiving account, the user needs to fill in some withdrawal information so that the server can execute the cross-border cash withdrawal business based on the operation information filled in by the user.

[0043] Step 204: Based on the receiving institution's identification information, determine the payment institution that belongs to the same clearing network as the receiving institution.

[0044] In the embodiments of this specification, the clearing network may be related to the financial environment of the country / region where the institution is located, and generally refers to the service provided between financial institutions for handling fund transfers between banks within the same city, across different cities, and within the same bank; for example: China's Large Value Transfer System, Small Value Batch Payment System, RMB Cross-border Payment System, the US Federal Funds Transfer System, Clearing House Interbank Payment System, International Funds Clearing System, etc. Based on the payee institution identification information contained in the user's operation information, all clearing networks containing that payee institution can be identified. A clearing network may contain one or more payer institutions.

[0045] Step 206: Determine the first target payment institution that meets the timeliness requirement information from among the payment institutions that belong to the same clearing network as the receiving institution.

[0046] In the embodiments described in this specification, "same clearing network" can mean that both the receiving institution and the paying institution are members of that clearing network. In practical applications, a receiving institution can be located in one or more clearing networks, and a paying institution can also be located in one or more clearing networks; similarly, a clearing network can contain one or more receiving institutions, or it can contain one or more paying institutions. In simpler terms, a clearing network can refer to a network used for resource clearing, primarily composed of paying institutions and receiving institutions.

[0047] The timeliness requirement information represents the latest acceptable time for resource transfer completion. In this embodiment, the timeliness requirement information can be selected by the user, determined by the system or server based on information such as the amount involved, or determined by the system or server based on the user's historical information.

[0048] In practical applications, users may need transaction funds to arrive the next day. Users can input their timeliness requirements, and the server can select the payment institutions that can be successfully transferred to the user's receiving account the next day as the primary payment institution based on the user's input timeliness requirements, so that the user can receive the transaction funds in a timely manner.

[0049] Step 208: Supplement the first target payment institution with the collection institution information required for processing the collection institution's resource transfer business, so that the first target payment institution can process the resource transfer business based on the supplemented collection institution information.

[0050] In this embodiment, the user-entered operation information consists of necessary data, such as amount, account, and currency. The server can automatically complete the information required by the payment institution for fund transfer by retrieving other information from a preset database or from network data using methods such as web scraping, based on the user's information about the receiving institution. For example, if the user enters the amount to be withdrawn across borders, the recipient's account number, and the currency, the selected payment institution may also require information such as the receiving institution's region, the bank address corresponding to the recipient's account, the receiving institution's name, and the receiving institution's international bank code. The server can retrieve the corresponding information from the preset database so that the user can complete the cross-border transaction with the minimum necessary data, reducing the chance of errors and increasing the success rate of the operation. In practical applications, if some information in the preset database is incomplete, the corresponding information can also be retrieved from network data, filling in the information and storing it in the preset database.

[0051] It should be understood that the order of some steps in the methods described in one or more embodiments of this specification may be interchanged according to actual needs, or some steps may be omitted or deleted.

[0052] Figure 2 The method described above obtains the operation information sent by the user for resource transfer. Based on the payee identification information contained in the operation information, it identifies the payment institution belonging to the same clearing network as the payee institution. From this, it selects the payment institution that meets the user's timeliness requirements as the first target payment institution. It then supplements the first target payment institution with the payee institution information needed to process the resource transfer, thus completing the resource transfer. This method allows users to complete resource transfer transactions with minimal input, reducing the probability of errors in information entry, increasing the success rate of transaction completion, and improving user-friendliness.

[0053] based on Figure 2 In addition to the method described herein, this specification also provides some specific implementation schemes of the method, which will be described below.

[0054] Optionally, the resource transfer method described in the embodiments of this specification may further include:

[0055] Based on the supplemented payee information, a resource transfer request is generated; the resource transfer request includes the supplemented payee information.

[0056] The resource transfer request is sent to the first target payment institution so that the first target payment institution can send the target resource to the receiving institution based on the resource transfer request.

[0057] In this embodiment, the server can, after supplementing the information of the receiving institution according to the needs of the target paying institution, send a resource transfer request, such as a funds transfer request, to the first target paying institution based on the supplemented information. This request requests the paying institution to transfer the corresponding amount of funds to the receiving institution based on the data information in the funds transfer request. In practical applications, the specific process of funds transfer can be handled according to existing transfer procedures. For example, the request may also include receiving account information, so that the paying institution can transfer the corresponding amount of funds to the receiving institution corresponding to that receiving account, and the receiving institution can then transfer the corresponding amount of funds to its receiving account after receiving it.

[0058] There are various ways to supplement the information of the receiving institution. The method described in the embodiments of this specification for supplementing the information of the receiving institution required by the target payment institution to process the resource transfer business of the receiving institution can specifically include:

[0059] Determine the receiving institution information required by the target payment institution to process the resource transfer transaction;

[0060] Based on the receiving institution identification information, determine the receiving institution information required by the target payment institution to process the resource transfer business of the receiving institution from a preset information database;

[0061] Based on the collection institution information determined from the preset information database, supplement the collection institution information required by the target payment institution to process the resource transfer business of the collection institution.

[0062] In practical applications, different payment institutions may require different information about the receiving institution when processing resource transfer transactions. For example, when choosing Citibank Hong Kong Branch within the Society for Worldwide Interbank Financial Telecommunication (SWIFT) clearing network as the target payment institution for cross-border resource transfers, the payment institution needs the SWIFT Code, receiving account number, account name, institution name, institution address, institution's address or region, bank type, bank code, and branch code. If choosing the UK Cross-Border Payments Platform within the European Banking Standards Council clearing network for cross-border resource transfers, the following information is required: International Bank Account Number (IBAN), receiving account name, receiving account number, receiving currency, bank address, bank name, country or region, and bank type. If choosing U.S. Community Federal Bank within the American Bankers Association (ABA) as the target payment institution for cross-border resource transfers, the following information is required: account name, receiving account number, and American Bankers Association number. Information about the receiving institution, such as Association Number (ABA Number), bank name, bank address, and bank type, can be obtained. In the embodiments described in this specification, the information required by the paying institution can be determined based on publicly available business information regarding the current institution's processing of transactions from various paying institutions or clearing networks. Alternatively, it can be determined through big data analysis based on historical resource transfer transactions processed by the server. No specific limitations are imposed on the method of information acquisition here.

[0063] The receiving institution identification information can be information entered by the user, such as the receiving account card number and the receiving institution's international bank code, or it can be retrieved based on the user's entered account information. The server uses this identification information to find relevant information about the receiving institution stored in a pre-defined database. Then, based on the first target paying institution, it selects the necessary receiving account or institution information from this database to complete the resource transfer, thus supplementing the information required by the target paying institution for processing the transaction. For example, if the user inputs the transfer amount, receiving account, currency, and the receiving institution's international bank code, the target paying institution may need additional information such as the receiving institution's name, address, and type. The server only needs to retrieve this information from the pre-defined database based on the user's input, automatically complete the data, generate a resource transfer request based on the completed information, send it to the paying institution, and wait for the paying institution to process the transaction.

[0064] In fund transfer transactions, the server needs to identify the payment institution capable of completing the transaction. The embodiment in this specification describes determining the payment institution belonging to the same clearing network as the receiving institution based on the receiving institution's identification information. Specifically, this may include:

[0065] Based on the payment collection institution identification information, the payment collection institution information is determined; the payment collection institution information may include the name and address information of the payment collection institution.

[0066] Based on the name information of the receiving institution, the first set of clearing networks in which the receiving institution participates is determined;

[0067] Based on the address information of the receiving institution, determine the payment institution located in the same area as the receiving institution;

[0068] Based on the name information of the payment institution, determine the second set of clearing networks in which the payment institution participates;

[0069] Based on the intersection of the first clearing network set and the second clearing network set, the payment institutions belonging to the same clearing network as the receiving institution are determined.

[0070] This specification describes an embodiment where the system can obtain information about the receiving institution, such as its name and address, based on the information provided by the user. The server can then determine all clearing networks the receiving institution participates in based on this information, and the list of clearing networks is designated as the first clearing network set. In practical applications, a receiving institution may participate in one or more clearing networks.

[0071] The payment institutions located in the same region as the receiving institution can be identified based on the receiving institution's address information. "Same region" can be understood as the same country, region, or alliance organization. Then, the second clearing network set (i.e., the clearing network set) to which the payment institution participates is determined based on the payment institution's name information. In the embodiments of this specification, the intersection of the first and second clearing network sets (i.e., the same clearing networks) can be used to identify payment institutions belonging to the same clearing network as the receiving institution. For example: based on the receiving institution's name information, the clearing networks the receiving institution participates in are clearing network 1, clearing network 2, and clearing network 3; based on the receiving institution's address information, payment institutions in the same region are payment institution 1, payment institution 2, and payment institution 3; further, based on the payment institution's name, it is determined that payment institution 1 participates in clearing networks 1 and 4, payment institution 2 participates in clearing network 3, and payment institution 3 participates in clearing networks 5, clearing network 7, and clearing network 9. Therefore, payment institutions 1 and 2 are identified as payment institutions belonging to the same clearing network as the receiving institution. In practical applications, the intersection of the first and second clearing network sets can contain one or more clearing networks.

[0072] As one implementation, in cases where the intersection of the first clearing network set and the second clearing network set contains multiple clearing networks, the payment institutions belonging to the same clearing network as the receiving institution in this embodiment may include payment institutions in multiple different clearing networks.

[0073] The step of determining the target payment institution that meets the timeliness requirement from payment institutions belonging to the same clearing network as the receiving institution may specifically include:

[0074] Determine the timeliness information of each of the multiple different clearing networks for resource transfer services;

[0075] Based on the timeliness information of each clearing network, a target clearing network that can meet the timeliness requirements will be determined.

[0076] The payment institution corresponding to the target clearing network is identified as the target payment institution.

[0077] In practical applications, the timeliness requirements for payment institutions to complete transactions can be stipulated by the clearing network. That is, the clearing network stipulates that only institutions meeting a certain timeliness requirement can join. For example, clearing network A only accepts institutions that can meet the T+2 timeliness requirement, so only institutions with a timeliness of no more than T+2 can become members of clearing network A. Alternatively, they can be stipulated by the payment institution itself, meaning that the institutions participating in the clearing network jointly formulate a timeliness requirement. A receiving institution may participate in multiple clearing networks, and these networks may contain payment institutions capable of transferring funds to the receiving institution. Based on the user's timeliness requirement for fund arrival, payment institutions that do not meet the timeliness requirement are excluded, and the payment institutions that meet the timeliness requirement are identified as the target payment institutions. For example, if a receiving institution participates in five clearing networks, each with a payment institution in the same region, and the user needs to receive funds within T+1, and three of these clearing networks contain payment institutions that meet the timeliness requirement, then these three qualified payment institutions are identified as the target payment institution.

[0078] To better meet the needs of user resource transfer, the embodiments of this specification may select a business processing payment institution from the target payment institutions by means of timeliness priority. The target clearing network that can meet the timeliness requirements mentioned in the embodiments of this specification may include multiple networks.

[0079] The step of identifying the payment institution corresponding to the target clearing network as the target payment institution may specifically include:

[0080] The target clearing networks that can meet the timeliness requirements are sorted according to their timeliness, resulting in a sorted clearing network.

[0081] The payment institution corresponding to the top-ranked clearing network is identified as the target payment institution.

[0082] In practical applications, there may be multiple payment institutions that meet the user's timeliness requirements. These clearing networks can be sorted according to their timeliness, and the payment institution corresponding to the highest-ranking clearing network (i.e., the one with the highest timeliness) can be selected as the target payment institution for processing the transaction. For example, if the user requires a timeliness of T+4, the clearing networks that meet this requirement would be: Clearing Network 1 (timeliness T+1), Clearing Network 2 (timeliness T+2), and Clearing Network 3 (timeliness T+3). Payment institution 1 corresponding to Clearing Network 1 would then be selected as the target payment institution.

[0083] The selection of target institutions can also be based on resource consumption. In this specification, the method described in the embodiments involves determining the target payment institution that meets the timeliness requirements from payment institutions belonging to the same clearing network as the receiving institution. Specifically, this may include:

[0084] Determine the timeliness information for processing resource transfer transactions by various payment institutions belonging to the same clearing network as the receiving institution;

[0085] Based on the timeliness information of each payment institution, determine the payment institutions that can meet the timeliness requirements.

[0086] Determine the resource consumption information for each payment institution that can meet the timeliness requirements for processing resource transfer transactions;

[0087] The payment institution with the lowest resource consumption among all payment institutions that can meet the timeliness requirements is identified as the target payment institution.

[0088] In the embodiments of this specification, resource consumption can refer to the resources required to complete the resource transfer process. For example, when processing a bank transfer, a certain handling fee must be paid to complete the transfer. The server may determine multiple payment institutions that meet the timeliness requirements. It then obtains the resource consumption information for each payment institution in processing the resource transfer, and selects the payment institution with the lowest resource consumption as the target payment institution. Alternatively, if multiple payment institutions have the highest timeliness requirements, the payment institution with the lowest resource consumption is selected as the target payment institution. In other words, the payment institution with the lowest resource consumption among the multiple payment institutions with the highest timeliness requirements is chosen.

[0089] In practical applications, users can also set limits on both timeliness and resource consumption information. For example, when a user conducts cross-border cash withdrawal, the user may require a timeliness of T+4 and a handling fee of no more than 1%. At this time, there is a payment institution 1 with a timeliness of T+3 and a handling fee of 0.5%, and a payment institution 2 with a timeliness of T+1 and a handling fee of 2%. In this case, payment institution 1 will be selected as the target payment institution.

[0090] In addition, the server can comprehensively consider factors such as user preferences, payment institution availability, and the resources required to complete the resource transfer, selecting a payment institution as the target payment institution to complete the resource transfer transaction, thereby providing a better user experience. Availability can indicate whether the payment institution has sufficient funds and whether it is operating during business hours, while user preferences can indicate the user's acceptable processing time or, based on the user's past transaction history, determine the user's preferences regarding processing time, fees, and other factors.

[0091] After the payment institution has completed the resource transfer transaction, the resource transfer method described in this specification may further include:

[0092] Obtain feedback information on resource transfer results;

[0093] If the feedback result indicates that the resource transfer has failed, a second target payment institution is selected to re-initiate the resource transfer transaction; the second target payment institution is a payment institution that is in the same clearing network as the receiving institution and meets the timeliness requirements.

[0094] In practical applications, after the resource transfer is completed, the payment institution will provide feedback on the business processing result. If the resource transfer is successful, the payment institution will send a success message to the server that initiated the resource transfer request. If the business processing fails, the payment institution will send a failure message back to the server, which can then select another target payment institution for the resource transfer. For example, the payment institution ranked second in terms of timeliness can be selected for the resource transfer; alternatively, the payment institution that meets both timeliness and resource consumption can be selected. It is understood that this embodiment does not specifically limit the method of selecting other target payment institutions, as long as it meets the user's resource transfer needs.

[0095] In practical applications, when business processing fails, the payment institution can send back processing result information, including the reason for the failure, to the server. In this embodiment of the specification, if the reason for the resource transfer failure is that the receiving institution information is incorrect, it may specifically include:

[0096] If the reason for the failure of the resource transfer is that the receiving institution information is incorrect, then the receiving institution information is re-obtained based on the incorrect receiving institution information.

[0097] Based on the reacquired institutional information of the receiving institution, a resource transfer request is sent to the first target payment institution so that the first target payment institution can process the resource transfer transaction according to the reacquired institutional information of the receiving institution.

[0098] In the embodiments of this specification, feedback will be provided based on the reason information of the resource transfer failure. If the reason for the resource failure is that there is an error in a certain item in the information of the receiving institution, the information of the incorrect receiving institution can be retrieved again from the network data, and the retrieved information can be added to the information of the receiving institution that needs to be provided to the paying institution. The resource transfer request is then resent to the first target paying institution, so that the paying institution can restart the resource transfer process.

[0099] For situations where resource transfer is re-initiated, the methods in the embodiments of this specification may further include:

[0100] If feedback is received indicating that the first target payment institution has successfully processed the resource transfer business based on the re-acquired collection institution's institutional information, then the preset information database is updated based on the re-acquired collection institution's institutional information; the preset information database is used to store institutional information related to the collection institution.

[0101] In the embodiments of this specification, the preset information database can represent a database that stores information such as the name of each institution, the address of the institution, the clearing network to which the institution belongs, and the corresponding number of each institution in each clearing network. This database is used to query the information of an institution when it acts as a receiving institution, so that the server can automatically supplement the receiving institution information required by the paying institution in processing resource transfer business based on the information of the institution.

[0102] In practical applications, the server can identify the incorrect payee information based on the specific details in the failure reason reported by the payment institution. The server then re-captures this incorrect payee information from network data or other data sources. For example, if the payment institution reports a failure due to an incorrect payee name, causing resource transfer failure, the server can re-capture the payee name information from the network data. This captured information is then entered into the corresponding field, and the resource transfer process restarts. When the payment institution reports a successful resource transfer, the re-captured institution information is updated in the preset database.

[0103] The information in the preset information database can be updated periodically, i.e., dynamically updated, to ensure that the information in the database is consistent with the latest information of each organization, thereby improving the success rate of resource transfer. In this embodiment, periodic updates mean that the server periodically re-fetches relevant information from the network for each organization, i.e., the corresponding data stored in the preset information database. If the information has not changed, it continues to be used. If the information differs from the original information, the fetched information is verified and compared with the original information. Specifically, the fetched information and the original information can be used to perform a preset number of resource transfer operations, and the results can be statistically analyzed. Based on the processing results, a success rate is obtained, and information with a higher success rate is stored in the preset information database. If the original information has a higher success rate, it remains in the preset information database. If the fetched information has a higher success rate, the original information in the preset information database is deleted, and the fetched information is used to update the preset information database.

[0104] In practical applications, information can be acquired first, then tested. If the test results meet the preset requirements, they are saved to the preset information database; if they do not meet the preset requirements, the corresponding information is acquired again.

[0105] The embodiments of this specification can also reverse-mark the data that failed to be allocated, in order to calibrate the data that the clearing network depends on. Specifically, the method in the embodiments of this specification may also include:

[0106] If the reason information for the failure of the resource transfer indicates that the information of the receiving institution is incorrect, then the receiving institution information indicated by the reason information for the failure of the resource transfer in the preset information database is marked as an identifier indicating that the information is unavailable, so as to update the preset information database according to the identifier; the preset information database is used to store the institution information related to the receiving institution.

[0107] In the embodiments of this specification, when the server receives feedback from the payment institution that the resource transfer failed due to incorrect information of the receiving institution, the server marks the information as incorrect or unavailable in the preset information database.

[0108] To determine whether the marked information is indeed erroneous, when receiving subsequent resource transfer requests from users, the erroneous information can be used to attempt the transfer first, and the results recorded. The success rate of processing transactions using this erroneous information can be statistically analyzed. If the success rate is low, such as below 30% or even 0%, the erroneous information can be determined to be unusable. When updating the preset information database, the newly acquired information can replace the erroneous information. In practical applications, other reasons may prevent payment institutions from accurately identifying the receiving institution's information. This could lead to a situation where a previous transfer fails, but subsequent transactions using information marked as erroneous based on the previous transaction's processing result can still be successfully processed. If the subsequent success rate is still relatively high, such as above 80%, the erroneous information can be removed and the information can be considered usable.

[0109] For example, payment institutions that need this information within the next ten minutes can continue to use the erroneous information for resource transfer. If the success rate of resource transfer within ten minutes is not less than 80%, the erroneous information is considered usable and the label is removed; if the success rate is less than 80%, the information is considered erroneous and is deleted. Then, the corresponding information is retrieved from the network data again and tested until the preset success rate requirement is met. Information that meets the success rate requirement is stored in a preset information database. In this embodiment, information can be retrieved directly or after verifying that the erroneous information is indeed unusable; no specific limitation is made here.

[0110] In practical applications, information re-acquired from network data can first be saved to a preset information database and marked as data to be determined. Then, business processing is performed based on this information, and the success rate of the processing results is used to decide whether to retain it. If the success rate is lower than a threshold, it indicates that the re-acquired information is also inaccurate, and the information and the mark can be deleted, and the information can be re-acquired. If the success rate is not lower than the threshold, the mark can be deleted or marked as usable. For example, if the success rate threshold is 80%, and 10 business processes are performed based on the acquired information, with 9 successes, the information is considered usable, and the mark can be deleted or marked as usable; if 10 business processes are performed, with 6 successes, the information is considered unusable, and the information and the mark can be deleted, and the information can be re-acquired. Alternatively, the acquired information can be checked first without saving it to the preset information database. If the check result is usable, then the information can be saved to the preset information database.

[0111] In practical applications, the reason for failure may also be that the payment institution is not in business hours or that the account of the payment institution used for fund transfer has insufficient funds. In other words, if the reason for failure is that the non-collection institution information is incorrect, you can select another payment institution to process the fund transfer.

[0112] In practical applications, the erroneous information can be marked first, and then a new payment institution can be selected from among multiple payment institutions that meet the timeliness requirements of the user's resource transfer business. This new payment institution can complete the resource transfer business without using the erroneous information.

[0113] The above methods allow users to complete resource transfer transactions with minimal information, improving the user experience and success rate of cross-border resource transfers.

[0114] To more clearly illustrate the resource transfer method provided in the embodiments of this specification, Figure 3 This is a swimlane diagram of a resource transfer method provided in the embodiments of this specification. Figure 3 As shown, the method may include an information acquisition stage, an information supplementation stage, and a processing stage, specifically including:

[0115] Step 302: The user performs a resource transfer operation through the terminal.

[0116] In practical applications, resource transfer can include fund allocation, such as cash withdrawal, settlement, and transfer. Users execute resource transfer operations on their terminals, sending the data to the server so the server can receive the corresponding operation information. Users need to fill in a minimum set of information on their terminals, which is the minimum amount of information required to complete the resource transfer. For example, users only need to fill in necessary information such as the receiving account, the amount transferred, and the currency; they do not need to enter the receiving institution's address, bank code, or name to complete the resource transfer.

[0117] Step 304: The server obtains the address information of the receiving institution and the list of participating clearing networks based on the received resource transfer operation information.

[0118] In the embodiments of this specification, the clearing network list can represent a list of all clearing networks in which the corresponding institution participates. After receiving resource transfer operation information, the system queries the publicly available international bank code of the receiving account based on the receiving account in the resource transfer operation information. Then, it queries the address information of the receiving institution, the list of participating clearing networks, and the list of clearing network member numbers based on the international bank code. If the international bank code of the receiving institution is not publicly available and cannot be queried, it can be included as necessary information input by the user in the resource transfer operation information. Alternatively, the international bank code can be obtained based on the user's historical resource transfer operation information. The clearing network member list can represent a list of all institutional members in each clearing network within the clearing network list.

[0119] Step 306: Obtain the payment institutions belonging to the same region based on the address information of the receiving institution, and at the same time obtain the data information of each payment institution.

[0120] In practical applications, it is necessary to obtain payment institution information and payment institution data information that is located in the same region as the receiving account. The payment institution data information may include the payment institution's account information used for resource transfer, the payment institution's name information, address information, a list of participating clearing networks, a list of clearing network members, and clearing network timeliness information.

[0121] Step 308: Obtain a list of clearing networks in which the receiving and paying institutions belong to the same clearing network.

[0122] In the embodiments of this specification, the collection institution clearing network list can represent a list of all clearing networks in which the collection institution participates, and the payment institution clearing network list can represent a list of all clearing networks in which each payment institution participates. Taking the intersection of the collection institution clearing network list and the payment institution clearing network list yields a clearing network list that contains both collection institutions and payment institutions.

[0123] Step 310: Sort the clearing networks in the clearing network list according to their timeliness and determine the clearing network with the highest timeliness as the target clearing network.

[0124] In practical applications, based on the timeliness rules of each clearing network retrieved, the clearing networks obtained by taking the intersection are sorted, and the clearing network with the highest timeliness is determined as the target clearing network. The payment institutions within this target clearing network are then identified as target payment institutions. The server automatically completes the necessary collection institution information for resource transfer by querying the resource transfer request rules of the target payment institution and sends a resource transfer request to the payment institution. The payment institution performs the resource transfer based on the received resource transfer request information. It is important to note that one collection institution corresponds to one payment institution. When there are multiple eligible payment institutions in the target clearing network, the payment institution with the lowest resource consumption (i.e., transfer fees) can be selected for resource transfer.

[0125] Step 312: Determine the target payment institution based on the clearing network with the highest efficiency, and automatically supplement the collection institution information required by the target payment institution.

[0126] In practical applications, the clearing network determined by the server can include one or more payment institutions. If it contains only one, it is directly designated as the target payment institution. If it contains multiple payment institutions, one of them can be selected as the target payment institution based on factors such as the timeliness and resource consumption of the payment institution. The system automatically supplements the receiving institution information required for resource transfer based on the determined payment institution.

[0127] Step 314: Based on the supplemented information, generate a resource transfer request and send the resource transfer request to the identified target payment institution.

[0128] Step 316: The payment institution processes the resource transfer transaction based on the received resource transfer request.

[0129] In practical applications, after supplementing the receiving institution's information, the server generates a resource transfer request and sends it to the paying institution. The paying institution can then process the resource transfer based on the received request, transferring the resources to the corresponding receiving institution.

[0130] Step 318: The payment institution generates processing result information for the resource transfer transaction and sends this result information to the server. The processing result can indicate a successful resource transfer or a failed resource transfer. In practice, if the resource transfer fails, the payment institution can also include the reason for the failure in the result sent to the server.

[0131] As one implementation method, the payment institution can determine whether the resource transfer was successful after completing the transaction, obtaining a first determination result. If the first determination result indicates that the resource transfer was successful, the institution will send the successful resource transfer information back to the server. It is understood that after a successful resource transfer, the server will also send a successful resource transfer message to the user terminal. Figure 3 This is not reflected in the data. If the first judgment result indicates that the resource transfer has failed, the paying bank will generate a failure reason information based on the failure reason and send it to the server.

[0132] Step 320: The server receives the processing result information from the payment institution and determines whether the resource transfer was successful based on the received processing result information.

[0133] Step 322: If the processing result indicates that the resource transfer was successful, the service can be terminated. In practical applications, a message indicating successful resource transfer can also be sent back to the user terminal.

[0134] Step 324: If the processing result indicates that the resource transfer was unsuccessful, the reason for the failure can be determined based on the result information provided by the payment institution.

[0135] Based on the processing results received from the payment institution, the server can obtain specific reasons for the failure, such as: the payment institution is not in business hours, the payment institution's account balance is insufficient to support resource transfer, or the receiving institution's address information is incorrect. The server will then determine whether the failure is related to incorrect receiving institution information.

[0136] Step 326: If the reason for failure includes incorrect information about the receiving institution, then calibrate the corresponding error message.

[0137] In practical applications, if the failure reason includes incorrect receiving institution information, the server can retrieve the corresponding entry of the incorrect receiving institution information from network data or other information providers. This retrieved information is then updated into the receiving institution information required by the paying institution. In other words, the server supplements the receiving institution information. Based on the updated information, a new resource transfer request is generated and sent to the paying institution. The paying institution then processes the resource transfer based on the received request. After processing the resource transfer using this retrieved information for a period of time, if the retrieved information is confirmed to be correct and usable, the data source in the preset database is replaced with the retrieved information, completing the data source calibration. Alternatively, if the receiving institution information is incorrect, a different institution that does not require the incorrect information can be selected for resource transfer processing. After completing this transfer, information is retrieved from the network data, and the retrieved information is compared with the data source information (i.e., the returned error information). The information with the higher success rate is stored in the database, completing the data source calibration. As for which method to use to complete the resource transfer processing and database data calibration processing when the failure is due to incorrect receiving institution information, no specific restrictions are made here.

[0138] Step 328: If the reason for failure does not include incorrect information about the receiving institution, then switch to another payment institution for resource transfer.

[0139] In the embodiments described in this specification, after a resource transfer fails, the server may not directly send a failure message to the user terminal. Instead, it may make other attempts. If no success is achieved after a preset number of attempts, the server may send a failure message to the user terminal.

[0140] In practical applications, if the receiving institution information is not incorrect, a payment institution in another clearing network can be selected to initiate the resource transfer. If the target clearing network contains other qualified payment institutions, these can also be selected for the resource transfer. The server supplements the receiving institution information based on the selected payment institution, generates a resource transfer request, and sends it to the new payment institution for processing. Regardless of the reason for the resource transfer failure, the re-transfer is conducted without the user's awareness; the user will only receive a notification through the interface indicating whether the resource has been successfully received or the transfer failed.

[0141] Based on the same idea, embodiments of this specification also provide a schematic flowchart of a resource transfer device. For example... Figure 4 As shown, the device may include:

[0142] The information acquisition module 402 is used to acquire operation information sent by the user for resource transfer; the operation information may include the collection institution identification information of the collection institution provided by the user and the timeliness requirement information of resource transfer;

[0143] The first determining module 404 is used to determine, based on the receiving institution identification information, a payment institution belonging to the same clearing network as the receiving institution;

[0144] The second determining module 406 is used to determine a first target payment institution that meets the timeliness requirement information from payment institutions that belong to the same clearing network as the receiving institution.

[0145] The resource processing module 408 is used to supplement the collection institution information required by the first target payment institution to process the resource transfer business of the collection institution, so that the first target payment institution can process the resource transfer business according to the supplemented collection institution information.

[0146] Based on the same idea, this specification also provides a schematic diagram of the structure of a resource transfer device. For example... Figure 5 As shown, device 500 may include:

[0147] At least one processor 510; and,

[0148] Memory 530 communicatively connected to the at least one processor; wherein,

[0149] The memory 530 stores instructions 520 that can be executed by the at least one processor 510, the instructions being executed by the at least one processor 510 to enable the at least one processor 510 to:

[0150] Obtain operation information sent by the user for resource transfer; the operation information may include the collection institution identification information of the collection institution provided by the user and the timeliness requirement information for resource transfer;

[0151] Based on the receiving institution's identification information, identify the payment institution that belongs to the same clearing network as the receiving institution;

[0152] A first target payment institution that meets the timeliness requirement information is determined from among the payment institutions that belong to the same clearing network as the receiving institution;

[0153] Supplement the first target payment institution with the collection institution's resource transfer information required for processing the collection institution's resource transfer business, so that the first target payment institution can process the resource transfer business based on the supplemented collection institution information.

[0154] Following the same approach, embodiments of this specification also provide a computer-readable medium corresponding to the above-described method. The computer-readable medium stores computer-readable instructions that can be executed by a processor to implement the above-described resource transfer method.

[0155] The various embodiments in this specification are described in a progressive manner. Similar or identical parts between embodiments can be referred to mutually. Each embodiment focuses on its differences from other embodiments. In particular, for... Figure 5 As the device shown is basically similar to the method embodiment, the description is relatively simple, and relevant parts can be found in the description of the method embodiment.

[0156] In the 1990s, improvements to a technology could be clearly distinguished as either hardware improvements (e.g., improvements to the circuit structure of diodes, transistors, switches, etc.) or software improvements (improvements to the methodology). However, with technological advancements, many methodological improvements today can be considered direct improvements to the hardware circuit structure. Designers almost always obtain the corresponding hardware circuit structure by programming the improved methodology into the hardware circuit. Therefore, it cannot be said that a methodological improvement cannot be implemented using hardware physical modules. For example, a Programmable Logic Device (PLD) (such as a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logic function is determined by the user programming the device. Designers can program a digital system themselves to "integrate" it onto a PLD, without needing chip manufacturers to design and manufacture dedicated integrated circuit chips. Furthermore, nowadays, instead of manually manufacturing integrated circuit chips, this programming is mostly implemented using "logic compiler" software. Similar to the software compiler used in program development, the original code before compilation must be written in a specific programming language, called a Hardware Description Language (HDL). There are many HDLs, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, and RHDL (Ruby Hardware Description Language). Currently, the most commonly used are VHDL (Very-High-Speed ​​Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should understand that by simply performing some logic programming on the method flow using one of these hardware description languages ​​and programming it into an integrated circuit, the hardware circuit implementing the logical method flow can be easily obtained.

[0157] The controller can be implemented in any suitable manner. For example, it can take the form of a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro)processor, logic gates, switches, application-specific integrated circuits (ASICs), programmable logic controllers, and embedded microcontrollers. Examples of controllers include, but are not limited to, the following microcontrollers: ARC625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicon Labs C8051F320. A memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art will also recognize that, in addition to implementing the controller in purely computer-readable program code form, the same functionality can be achieved by logically programming the method steps to make the controller take the form of logic gates, switches, ASICs, programmable logic controllers, and embedded microcontrollers. Therefore, such a controller can be considered a hardware component, and the means included therein for implementing various functions can also be considered as structures within the hardware component. Alternatively, the means for implementing various functions can be considered as both software modules implementing the method and structures within the hardware component.

[0158] The systems, devices, modules, or units described in the above embodiments can be implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, a computer can be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or any combination of these devices.

[0159] For ease of description, the above devices are described separately by function as various units. Of course, in implementing this application, the functions of each unit can be implemented in one or more software and / or hardware.

[0160] Those skilled in the art will understand that embodiments of the present invention can be provided as methods, systems, or computer program products. Therefore, the present invention can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention can take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0161] This invention is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart illustrations and / or block diagrams. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0162] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0163] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0164] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0165] Memory may include non-persistent storage in computer-readable media, such as random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. Memory is an example of computer-readable media.

[0166] Computer-readable media includes both permanent and non-permanent, removable and non-removable media that can store information using any method or technology. Information can be computer-readable instructions, data structures, modules of programs, or other data. Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, CD-ROM, digital character versatile optical disc (DVD) or other optical storage, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other non-transferable medium that can be used to store information accessible by a computing device. As defined herein, computer-readable media does not include transient computer-readable media, such as modulated data signals and carrier waves.

[0167] It should also be noted that the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0168] Those skilled in the art will understand that embodiments of this application can be provided as methods, systems, or computer program products. Therefore, this application can take the form of a completely hardware embodiment, a completely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, this application can take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0169] This application can be described in the general context of computer-executable instructions, such as program modules, that are executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc., that perform a specific task or implement a specific abstract data type. This application can also be practiced in distributed computing environments where tasks are performed by remote processing devices connected via a communication network. In distributed computing environments, program modules can reside in local and remote computer storage media, including storage devices.

[0170] The above description is merely an embodiment of this application and is not intended to limit the scope of this application. Various modifications and variations can be made to this application by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of this application should be included within the scope of the claims of this application.

Claims

1. A method for resource transfer, comprising: Obtain the operation information sent by the user for resource transfer; The operation information includes the payment institution identification information and resource transfer timeliness requirements provided by the user; Based on the receiving institution's identification information, identify the payment institution that belongs to the same clearing network as the receiving institution; The payment institution is determined based on the intersection of the first clearing network set and the second clearing network set, and is a payment institution belonging to the same clearing network as the receiving institution; the first clearing network set is the set of clearing networks in which the receiving institution participates; the second clearing network set is the set of clearing networks in which payment institutions located in the same region as the receiving institution participate; payment institutions belonging to the same clearing network as the receiving institution include payment institutions in multiple different clearing networks; Based on the timeliness information of each clearing network for resource transfer transactions, a first target payment institution that meets the timeliness requirements is determined from the payment institutions belonging to the same clearing network as the receiving institution. Supplement the first target payment institution with the collection institution's resource transfer information required for processing the collection institution's resource transfer business, so that the first target payment institution can process the resource transfer business based on the supplemented collection institution information.

2. The method according to claim 1, further comprising: Based on the supplemented payee information, a resource transfer request is generated; The resource transfer request includes supplemented receiving institution information; The resource transfer request is sent to the first target payment institution so that the first target payment institution can send the target resource to the receiving institution based on the resource transfer request.

3. The method according to claim 1, wherein supplementing the target payment institution with the collection institution's information required for processing the collection institution's resource transfer business specifically includes: Determine the receiving institution information required by the target payment institution to process the resource transfer transaction; Based on the receiving institution identification information, determine the receiving institution information required by the target payment institution to process the resource transfer business of the receiving institution from a preset information database; Based on the collection institution information determined from the preset information database, supplement the collection institution information required by the target payment institution to process the resource transfer business of the collection institution.

4. The method according to claim 1, wherein determining the payment institution belonging to the same clearing network as the payment institution based on the payment institution identification information specifically includes: Based on the payment collection institution identification information, determine the payment collection institution information of the payment collection institution; The information of the receiving institution includes the name and address of the receiving institution; Based on the name information of the receiving institution, the first set of clearing networks in which the receiving institution participates is determined; Based on the address information of the receiving institution, determine the payment institution located in the same area as the receiving institution; Based on the name information of the payment institution, determine the second set of clearing networks in which the payment institution participates; Based on the intersection of the first clearing network set and the second clearing network set, the payment institutions belonging to the same clearing network as the receiving institution are determined.

5. The method according to claim 1, wherein the payment institution belonging to the same clearing network as the receiving institution includes payment institutions in multiple different clearing networks; The step of determining the target payment institution that meets the timeliness requirement information from payment institutions belonging to the same clearing network as the receiving institution specifically includes: Determine the timeliness information of each of the multiple different clearing networks for resource transfer services; Based on the timeliness information of each clearing network, a target clearing network that can meet the timeliness requirements will be determined. The payment institution corresponding to the target clearing network is identified as the target payment institution.

6. The method according to claim 5, wherein the target clearing network capable of meeting the timeliness requirements includes multiple networks; The step of identifying the payment institution corresponding to the target clearing network as the target payment institution specifically includes: The target clearing networks that can meet the timeliness requirements are sorted according to their timeliness, resulting in a sorted clearing network. The payment institution corresponding to the top-ranked clearing network is identified as the target payment institution.

7. The method according to claim 1, wherein determining the target payment institution that meets the timeliness requirement information from payment institutions belonging to the same clearing network as the receiving institution specifically includes: Determine the timeliness information for processing resource transfer transactions by various payment institutions belonging to the same clearing network as the receiving institution; Based on the timeliness information of each payment institution, determine which payment institutions can meet the timeliness requirements. Determine the resource consumption information for each payment institution that can meet the timeliness requirements for processing resource transfer transactions; The payment institution with the lowest resource consumption among all payment institutions that can meet the timeliness requirements is identified as the target payment institution.

8. The method according to claim 1, further comprising: Obtain feedback information on resource transfer results; If the feedback result indicates that the resource transfer has failed, then select the second target payment institution to re-initiate the resource transfer transaction; The second target payment institution is a payment institution that is in the same clearing network as the receiving institution and meets the timeliness requirement information.

9. The method according to claim 8, wherein the feedback result information includes information indicating the reason for the resource transfer failure; The step of selecting a second target payment institution to re-initiate the resource transfer transaction specifically includes: If the reason for the failure of the resource transfer is other than an error in the receiving institution information, then the second target payment institution is selected to re-initiate the resource transfer transaction.

10. The method according to claim 9, further comprising: If the reason for the failure of the resource transfer is that the receiving institution information is incorrect, then the receiving institution information is re-obtained based on the incorrect receiving institution information. Based on the reacquired institutional information of the receiving institution, a resource transfer request is sent to the first target payment institution so that the first target payment institution can process the resource transfer transaction according to the reacquired institutional information of the receiving institution.

11. The method according to claim 10, further comprising: If feedback is received indicating that the first target payment institution has successfully processed the resource transfer business based on the re-acquired collection institution's institutional information, then the preset information database is updated based on the re-acquired collection institution's institutional information; the preset information database is used to store institutional information related to the collection institution.

12. The method according to claim 11, further comprising: If the reason information for the failure of the resource transfer indicates that the information of the receiving institution is incorrect, then the receiving institution information indicated by the reason information for the failure of the resource transfer in the preset information database is marked as an identifier indicating that the information is unavailable, so as to update the preset information database according to the identifier; the preset information database is used to store the institution information related to the receiving institution.

13. A resource transfer apparatus, comprising: The information acquisition module is used to acquire operation information sent by the user for resource transfer. The operation information includes the payment institution identification information and resource transfer timeliness requirements provided by the user; The first determining module is used to determine, based on the receiving institution's identification information, payment institutions belonging to the same clearing network as the receiving institution; the payment institutions are determined based on the intersection of a first clearing network set and a second clearing network set, and are payment institutions belonging to the same clearing network as the receiving institution; the first clearing network set is the set of clearing networks in which the receiving institution participates; the second clearing network set is the set of clearing networks in which payment institutions located in the same region as the receiving institution participate; payment institutions belonging to the same clearing network as the receiving institution include payment institutions in multiple different clearing networks; The second determining module is used to determine, based on the timeliness information of each clearing network for resource transfer business, a first target payment institution that meets the timeliness requirement information from payment institutions belonging to the same clearing network as the receiving institution. The resource processing module is used to supplement the collection institution information required by the first target payment institution to process the resource transfer business of the collection institution, so that the first target payment institution can process the resource transfer business based on the supplemented collection institution information.

14. A resource transfer device, comprising: At least one processor; as well as, A memory communicatively connected to the at least one processor; wherein, The memory stores instructions executable by the at least one processor, which, when executed by the at least one processor, enable the at least one processor to: Obtain operation information sent by the user for resource transfer; the operation information includes the collection institution identification information of the collection institution provided by the user and the timeliness requirement information for resource transfer; Based on the receiving institution's identification information, payment institutions belonging to the same clearing network as the receiving institution are identified. These payment institutions are determined based on the intersection of a first clearing network set and a second clearing network set, and are payment institutions belonging to the same clearing network as the receiving institution. The first clearing network set is the set of clearing networks in which the receiving institution participates. The second clearing network set is the set of clearing networks in which payment institutions located in the same region as the receiving institution participate. Payment institutions belonging to the same clearing network as the receiving institution include payment institutions in multiple different clearing networks. Based on the timeliness information of each clearing network for resource transfer transactions, a first target payment institution that meets the timeliness requirements is determined from the payment institutions belonging to the same clearing network as the receiving institution. Supplement the first target payment institution with the collection institution's resource transfer information required for processing the collection institution's resource transfer business, so that the first target payment institution can process the resource transfer business based on the supplemented collection institution information.

15. A computer-readable medium having stored thereon computer-readable instructions that can be executed by a processor to implement the method of transferring resources according to any one of claims 1 to 12.

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