Cross-border payment service processing method and device, server and storage medium

Abstract

The invention provides a cross-border payment service processing method and device, a server and a storage medium. The method can be used in financial field. The method comprises the steps that a server of a bank system can receive a payment and settlement service request sent by a server of a first financial institution, the first financial institution is an overseas financial institution located in a different service area from the bank system, and the payment and settlement service request comprises an identifier of the first financial institution, customer information of a payer, and payment information of the first financial institution; client information of the payee and fund information. Further, a payment account can be determined according to the identifier of the first financial institution; determining a collection account according to the customer information of the payee; and according to the fund information, the payment account and the collection account, a payment and settlement service is executed, and after the payment and settlement service is executed, a payment and settlement service processing result is returned to the first financial institution. The method is used for achieving the effect of improving the cross-border payment service processing efficiency.

Description

Technical Field

[0001] The present application relates to the financial field, and in particular to a cross-border payment business processing method, device, server and storage medium. Background Art

[0002] In modern banking, the international payment system is a core component of financial institutions' operations. With the rapid development of the financial industry and the ever-changing needs of users, banks are facing an increasingly complex business environment and higher service requirements. The efficiency and flexibility of the international payment system have become particularly important.

[0003] In the related art, when using the international payment system to process payment business, business personnel are required to remember and use a large number of transaction codes to complete the process. These transaction codes are used for receiving messages, processing credits, direct entry processing, etc. However, in the above process, relying on business personnel to remember and accurately use numerous transaction codes is prone to human errors, thereby reducing the efficiency of business processing. Summary of the invention

[0004] The embodiments of the present application provide a cross-border payment business processing method, device, server and storage medium for improving the efficiency of business processing.

[0005] In a first aspect, an embodiment of the present application provides a cross-border payment service processing method, which is applied to a server of a banking system, and the method includes:

[0006] Receiving a payment settlement service request sent by a server of a first financial institution, where the first financial institution is an overseas financial institution in a different service area from the banking system, and the payment settlement service request includes: an identifier of the first financial institution, customer information of the payer, customer information of the payee, and fund information;

[0007] determining a payment account according to the identifier of the first financial institution;

[0008] Determining a payment account according to the customer information of the payee;

[0009] Execute payment settlement services according to the fund information, the payment account and the receiving account;

[0010] After the payment settlement service is completed, the payment settlement service processing result is returned to the first financial institution.

[0011] In a possible implementation manner, before determining the payment account according to the identifier of the first financial institution, the method further includes:

[0012] Determine whether there is an abnormal customer in the payment settlement service request according to the customer information of the payer, the customer information of the payee, and a preset screening rule;

[0013] If it is determined that there is an abnormal customer, abnormal prompt information is sent to the first financial institution and the terminal device of the bank system respectively, and the processing of the payment settlement service request is terminated.

[0014] In a possible implementation, before executing the payment settlement service according to the fund information, the payment account and the receiving account, the method further includes:

[0015] If the payment account is an account that does not match the current account coding rule of the bank system, the payment account is updated according to the current account coding rule to obtain a new payment account that meets the current account coding rule;

[0016] and / or,

[0017] If the receiving account is an account that does not match the current account coding rule of the bank system, the receiving account is updated according to the current account coding rule to obtain a new receiving account that meets the current account coding rule.

[0018] In a possible implementation manner, if the customer information of the payee indicates that the payee is a second financial institution that does not have cross-border settlement authority, the method further includes:

[0019] After the payment settlement service is completed, the clearing fund payment result is sent to the server of the second financial institution.

[0020] In a possible implementation, the method further includes:

[0021] For multiple payment settlement services to be executed, payment settlement processing is performed in descending order according to the priority of each payment settlement service.

[0022] In a possible implementation manner, if the payment settlement service request is a position telegram, executing the payment settlement service according to the fund information, the payment account and the receiving account includes:

[0023] When the transaction identification code in the payment settlement service request matches the transaction identification code in the payment telegram received before the payment settlement service request, the payment settlement service is executed according to the fund information, the payment account and the receiving account.

[0024] In a second aspect, an embodiment of the present application provides a cross-border payment service processing device, which is applied to a server of a banking system, and the device includes:

[0025] a receiving module, configured to receive a payment settlement service request sent by a server of a first financial institution, wherein the first financial institution is an overseas financial institution in a different service area from the banking system, and the payment settlement service request includes: an identifier of the first financial institution, customer information of the payer, customer information of the payee, and fund information;

[0026] A first processing module, configured to determine a payment account according to an identifier of the first financial institution;

[0027] A second processing module is used to determine a payment account according to the customer information of the payee;

[0028] An execution module, used to execute payment settlement services according to the fund information, the payment account and the receiving account;

[0029] The return module is used to return the payment settlement business processing result to the first financial institution after executing and completing the payment settlement business.

[0030] In a possible implementation manner, the first processing module is further configured to:

[0031] Determine whether there is an abnormal customer in the payment settlement service request according to the customer information of the payer, the customer information of the payee, and a preset screening rule;

[0032] If it is determined that there is an abnormal customer, abnormal prompt information is sent to the first financial institution and the terminal device of the bank system respectively, and the processing of the payment settlement service request is terminated.

[0033] In a possible implementation manner, the execution module is further configured to:

[0034] If the payment account is an account that does not match the current account coding rule of the bank system, the payment account is updated according to the current account coding rule to obtain a new payment account that meets the current account coding rule;

[0035] and / or,

[0036] If the receiving account is an account that does not match the current account coding rule of the bank system, the receiving account is updated according to the current account coding rule to obtain a new receiving account that meets the current account coding rule.

[0037] In a possible implementation manner, if the customer information of the payee indicates that the payee is a second financial institution that does not have cross-border settlement authority, the return module further includes:

[0038] After the payment settlement service is completed, the clearing fund payment result is sent to the server of the second financial institution.

[0039] In a possible implementation manner, the execution module is further configured to:

[0040] For multiple payment settlement services to be executed, payment settlement processing is performed in descending order according to the priority of each payment settlement service.

[0041] In a possible implementation manner, if the payment settlement service request is a position telegram, the execution module is specifically configured to:

[0042] When the transaction identification code in the payment settlement service request matches the transaction identification code in the payment telegram received before the payment settlement service request, the payment settlement service is executed according to the fund information, the payment account and the receiving account.

[0043] In a third aspect, an embodiment of the present application provides a server, including: a memory, a processor;

[0044] The memory stores computer-executable instructions;

[0045] The processor executes the computer-executable instructions stored in the memory, so that the processor performs the method as described in any one of the first aspects above.

[0046] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, wherein the computer-readable storage medium stores computer-executable instructions, and when the computer-executable instructions are executed by a processor, they are used to implement the method as described in any one of the first aspects above.

[0047] In a fifth aspect, an embodiment of the present application provides a computer program product, including a computer program, which, when executed by a processor, implements the method described in any one of the first aspects above.

[0048] The embodiments of the present application provide a method, device, server and storage medium for processing cross-border payment services. The server of the banking system can receive payment settlement service requests sent by overseas financial institutions in different service areas from the banking system. The payment account is determined according to the identifier of the first financial institution included in the payment settlement service request; and the receiving account is determined according to the customer information of the payee included in the payment settlement service request. Subsequently, the payment settlement service can be executed according to the fund information, payment account and receiving account included in the payment settlement service request. After executing the payment settlement service, the server can return the payment settlement service processing result to the first financial institution. In the above process, by automatically processing the payment settlement request, it is possible to avoid relying on business personnel to remember and use numerous transaction codes, thereby causing human errors, and improve the processing efficiency of cross-border payment services. BRIEF DESCRIPTION OF THE DRAWINGS

[0049] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0050] Figure 1 A schematic diagram of the application scenario provided for this application;

[0051] Figure 2 Schematic diagram of the cross-border payment service processing method provided for this application Figure 1 ;

[0052] Figure 3 Schematic diagram of the cross-border payment service processing method provided for this application Figure 2 ;

[0053] Figure 4 Schematic diagram of the cross-border payment service processing method provided for this application Figure 3 ;

[0054] Figure 5 A flowchart of an example of a cross-border payment service processing method provided in this application;

[0055] Figure 6 A schematic diagram of the structure of the cross-border payment service processing device provided for this application;

[0056] Figure 7 A schematic diagram of the structure of the server provided for this application.

[0057] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0058] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.

[0059] First, the terms involved in this application are explained:

[0060] Rule engine: In the international payment business system, business rules can be separated from application code, so that these rules can be defined, modified and managed more flexibly. Rules can be written through structured query language (SQL) and server-side JavaScript technology.

[0061] Payment telegram: A message that does not involve funds, often used as an electronic message to transmit payment instructions and transaction information between banks or financial institutions.

[0062] Position telegram: A message involving funds, usually used for actual fund transfer and settlement.

[0063] Society for Worldwide Interbank Financial Telecommunication (SWIFT): A global financial telecommunications network that provides secure and standardized financial information transmission services, mainly used for international payments and settlements between banks or financial institutions.

[0064] It should be noted that the cross-border payment business processing method, device, server and storage medium provided in this application can be used in the financial field, and can also be used in any field other than the financial field. The application field of the cross-border payment business processing method, device, server and storage medium provided in this application is not limited.

[0065] Figure 1 A schematic diagram of the application scenario provided for this application. Figure 1 , including customer A, overseas financial institutions, domestic financial institutions, and customer B. Among them, customer A can open an account in an overseas financial institution, and customer B can open an account in a domestic financial institution.

[0066] Customer A who has an account in an overseas financial institution can make payment settlements with the overseas financial institution, the overseas financial institution can make payment settlements with domestic financial institutions, and the domestic financial institution can make payment settlements with customer B. Among them, the content of payment settlement can be cross-border remittances from customer A to customer B.

[0067] In an optional implementation, in addition to payment settlement between customers, payment settlement can also be made between overseas financial institutions and domestic financial institutions.

[0068] In the related art, when using the international payment system to process payment services, business personnel are required to remember and use a large number of transaction codes to complete operations. These transaction codes are used for different functions, such as receiving messages, processing credits, direct account entry processing, etc. However, this method of relying on business personnel to remember and accurately use numerous transaction codes is prone to human errors, thereby reducing the efficiency of payment service processing.

[0069] In view of the above problems, the inventors consider that the server of the banking system can automatically execute the processing of cross-border payment services according to the payment settlement service request sent by the overseas financial institution. Specifically, the server of the banking system can receive the payment settlement service request sent by the server of the first financial institution, and determine the payment account and the receiving account according to the identification of the first financial institution, the customer information of the payer, the customer information of the payee, and the fund information included in the payment settlement service request, and automatically execute the payment settlement service to improve the efficiency of payment service processing.

[0070] The technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems are described in detail below with specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0071] Figure 2 Schematic diagram of the cross-border payment service processing method provided for this application Figure 1 . See Figure 2 , the method is applied to the server of the banking system, including:

[0072] S201. Receive a payment settlement service request sent by a server of a first financial institution, where the first financial institution is an overseas financial institution in a different service area from that of a banking system. The payment settlement service request includes: an identifier of the first financial institution, customer information of the payee, customer information of the payee, and fund information.

[0073] The execution subject of the embodiment of the present application may be a server of a banking system, or a cross-border payment service processing device arranged in the server. The cross-border payment service processing device may be implemented by software, or by a combination of software and hardware. For ease of understanding, the following description will be made by taking the execution subject as a server as an example.

[0074] In this step, the server of the banking system (domestic financial institution) may receive a payment settlement service request sent from the server of the first financial institution. The payment settlement service request may include the following information: a unique identifier of the first financial institution, customer details of the payee, customer details of the payee, and the funds involved.

[0075] Optionally, the first financial institution is an overseas financial institution located in a different service area from the banking system, which may refer to the operation and / or registration location of the first financial institution being located in a country or region different from the country or region where the banking system is located.

[0076] For example, the first financial institution may be located abroad, while the server of the banking system may be located within the country; or, the first financial institution may be located in an autonomous region within the country, while the server of the banking system may be located in other regions within the country.

[0077] Optionally, the first financial institution may be a branch of a bank abroad, or may be another bank abroad. For example, the first financial institution may be a branch of Bank A abroad (Bank B), or the first financial institution may be Bank C abroad, which is a different bank from Bank A in China.

[0078] The unique identifier for the first financial institution refers to the bank identification code (Bank Identifier Code, BIC) of the first financial institution. The BIC code can be used to uniquely identify and locate the position of the first financial institution in the global financial network.

[0079] Optionally, the payee's customer details may include: customer name, contact information, customer address, and an account opened at the first financial institution.

[0080] It should be noted that if the client of the payer is the first financial institution (external financial institution), the client detailed information of the payer may include: the registered address and name of the external financial institution.

[0081] Optionally, the payee's customer details may include: customer name, contact information, customer address, and an account opened in the banking system (domestic financial institution).

[0082] Similarly, if the payee's client is a banking system (domestic financial institution), the payee's client details may include: the registered address and name of the domestic financial institution.

[0083] Optionally, the fund information may include: the amount of funds, and the currency of the funds.

[0084] For example, the server of the banking system (a domestic financial institution) may receive a payment settlement service request sent by the server of the first financial institution, which may include: the bank B identifier X1, the registered address and name of the bank B, the customer's name, contact information, customer address, and the customer's account M opened in the banking system, and a payment settlement amount of RMB 1 million.

[0085] S202: Determine a payment account according to the identifier of the first financial institution.

[0086] In this step, after receiving the payment settlement service request, the server of the banking system can determine the payment account used for payment settlement according to the identifier of the first financial institution.

[0087] For example, after receiving the payment settlement service request, the server of the banking system can determine the payment account opened by bank B in a domestic financial institution for payment settlement according to the identifier X1 of bank B. From the perspective of bank B, the payment account is a Nostro account.

[0088] A Nostro account is an account opened by the first financial institution in a domestic financial institution and is held by the first financial institution. For example, Bank B has an account N in a domestic financial institution, and account N is a Nostro account.

[0089] Optionally, from the perspective of a domestic financial institution, an account is opened for the first financial institution, which is a Vostro account. The Nostro account and the Vostro account are two different perspectives of the same account.

[0090] S203: Determine the payment account according to the customer information of the payee.

[0091] In this step, after receiving the payment settlement service request, the server of the bank system can determine the payment account according to the detailed customer information of the payee.

[0092] For example, after receiving a payment settlement service request, the server of the bank system can determine that the receiving account is the account M opened by the customer in the bank system based on the customer detailed information including: customer name, contact information, customer address and account M opened by the customer in the bank system.

[0093] In an optional implementation, the account opened by the customer in the bank system is also a Vostro account from the perspective of the bank system.

[0094] For another example, if the payee's customer is a banking system (domestic financial institution), after receiving the payment settlement service request, the payee's customer detailed information: the registered address and name of the domestic financial institution can be used to determine the receiving account belonging to the banking system (domestic financial institution).

[0095] S204: Execute payment settlement services based on the fund information, payment account and receiving account.

[0096] In this step, the payment settlement service can be executed according to the fund information included in the payment settlement service request, as well as the determined payment account and receiving account, to complete the payment of funds.

[0097] For example, the server of the banking system can pay RMB 1 million from the Nostro account of Bank B to the account M opened by the customer in the banking system to complete the payment of funds.

[0098] S205. After the payment and settlement service is completed, the payment and settlement service processing result is returned to the first financial institution.

[0099] In this step, after successfully completing the payment settlement service, the server of the banking system can return the payment settlement service processing result to the first financial institution to ensure the transparency and traceability of the payment settlement and provide support for subsequent customer service.

[0100] Optionally, the processing result of the payment settlement service may be sent to the first financial institution in the form of a message, wherein the message may include the payment settlement status, payment settlement reference number, processing time, payer account, payee account, and related confirmation information.

[0101] For example, after successfully completing a payment of RMB 1 million, the server of the banking system may return the payment settlement business processing result to the first financial institution in the form of a message. The specific content of the payment settlement business processing result may be shown in Table 1:

[0102] Table 1

[0103] Message Type Payment settlement result notification Payment settlement status success Payment Settlement Reference Number TXN123456 Disbursement of funds 1 000 000RMB Processing time 2023-10-25，14:00 Payer Account Nostro Account (Account N) Payee Account Account M Confirmation Information The payment settlement has been successfully processed and the funds have been transferred to the designated account

[0104] In an embodiment of the present application, a server of a banking system is capable of receiving a payment settlement service request from a server of a first financial institution. The first financial institution is an overseas financial institution located in a different service area from the banking system. The information contained in the payment settlement service request includes: the identification of the first financial institution, the customer information of the payee, the customer information of the payee, and the fund information. The server of the banking system can determine the payment account based on the identification of the first financial institution, and identify the receiving account based on the customer information of the payee. Subsequently, the payment settlement service can be performed based on the fund information, the payment account, and the receiving account. After successfully completing the payment settlement service, the payment settlement service processing result can be returned to the first financial institution. In the above process, the server of the banking system can automatically process cross-border payment services, reduce the reliance on cumbersome transaction codes, reduce human errors, and improve the efficiency of business processing.

[0105] exist Figure 2 Based on the embodiment shown below, combined with Figure 3 , further detailed explanation of the above cross-border payment business processing method.

[0106] Figure 3 Schematic diagram of the cross-border payment service processing method provided for this application Figure 2 . See Figure 3 , the method may include:

[0107] S301. Receive a payment settlement service request sent by a server of a first financial institution. The first financial institution is an overseas financial institution in a different service area from the banking system. The payment settlement service request includes: an identifier of the first financial institution, customer information of the payer, customer information of the payee, and fund information.

[0108] It should be noted that the specific execution process of step S301 can refer to the specific execution process of step S201, which will not be repeated here.

[0109] S302: Determine whether there is an abnormal customer in the payment settlement service request based on the customer information of the payer, the customer information of the payee, and preset screening rules.

[0110] In this step, the server of the bank system can comprehensively analyze the customer information of the payer, the customer information of the payee, and pre-set screening rules to analyze whether there are any abnormal customers in the payment settlement service request.

[0111] Optionally, the screening rules may include at least one of frequent payment detection, account activity pattern analysis, blacklist screening, and identity verification.

[0112] For example, if the account activity of the payee's customer suddenly does not match its historical pattern, with sudden large deposits or withdrawals, it can be considered that the payee's customer is abnormal;

[0113] For another example, the server of the banking system can check whether the payer's customers and the payee's customers are on the blacklist of any country. If so, it is considered that the customer is abnormal.

[0114] S303: If it is determined that there is an abnormal customer, abnormal prompt information is sent to the first financial institution and the terminal device of the bank system respectively, and the processing of the payment settlement service request is terminated.

[0115] In this step, if the server of the bank system detects that there is an abnormality with the payer's customer and / or the payee's customer, it can send abnormal prompt information to the first financial institution and the terminal device of the bank system respectively, and end the processing of the payment settlement service request.

[0116] In a specific implementation, if the server of the banking system determines through screening rules that there is an abnormality in the payer's client and / or the payee's client in the payment settlement service request, an abnormality prompt message can be generated and sent to the first financial institution so that the first financial institution can promptly understand the abnormal situation and take corresponding measures. At the same time, the banking system can also transmit the abnormality prompt message to relevant terminal devices, including but not limited to the monitoring terminal of the security management department and the support system of the customer service center, to ensure that relevant departments can synchronously obtain the abnormal information. After sending the abnormality prompt message, the banking system can immediately terminate the further processing of the payment settlement service request to prevent losses.

[0117] Optionally, the abnormality prompt information may include not only the basic information of the abnormal customer, such as name, account number and contact information, but also the analysis results of the abnormal reasons. These analysis results may involve aspects such as abnormal payment amount, abnormal geographical location, sudden changes in account activity patterns, etc. In addition, the abnormality prompt information may also provide suggested follow-up processing solutions, such as suggesting to temporarily freeze the relevant account, require the customer to perform additional identity verification, or contact the customer for more information.

[0118] S304: Determine a payment account according to the identifier of the first financial institution.

[0119] For example, the Nostro account opened by bank B in a domestic financial institution may be determined based on the identifier X1 of bank B.

[0120] S305. Determine the payment account according to the customer information of the payee.

[0121] For example, the receiving account may be determined to be account M based on the customer's detailed information including: customer name, contact information, customer address, and account M opened by the customer in the banking system.

[0122] S306. For multiple payment settlement services to be executed, payment settlement processing is performed in descending order according to the priority of each payment settlement service.

[0123] In this step, if the server of the banking system receives multiple payment settlement services to be executed, the order of processing the multiple payment settlement services can be determined based on the fund information, customer type, and payment time included in the payment settlement service request.

[0124] In an optional embodiment, the priority of each payment settlement business can also be based on specific requirements such as the urgency of the payment, the customer's historical payment record and credit status, the specific type of payment (for example, public payment or personal payment), and the service level agreement signed with the customer.

[0125] S307. Execute payment settlement services based on the fund information, payment account and receiving account.

[0126] For example, if it is determined based on the fund information that the payment settlement service request for completing fund payment from the Nostro account of Bank B to the account M has the highest priority, then RMB 1 million can be paid from the Nostro account of Bank B to the account M to complete the fund payment.

[0127] In an optional implementation, if the payee's customer information indicates that the payee is a second financial institution that does not have cross-border settlement authority, the clearing funds collection and payment results can be sent to the server of the second financial institution after the payment settlement service is completed.

[0128] Optionally, for second financial institutions that do not have cross-border settlement authority, they are financial entities that do not have the same comprehensive service capabilities as major banks. Second financial institutions may include local credit cooperatives, small regional banks, fintech companies, etc.

[0129] In order to conduct cross-border settlement, the second financial institution usually relies on cooperation with large banks, so that the second financial institution can indirectly provide cross-border payment and settlement for its customers. Therefore, after completing the payment and settlement business, the server of the bank system can send the clearing fund collection and payment results to the server of the second financial institution, so that the second financial institution can promptly notify its customers of the completion of the cross-border payment, including the confirmation of the arrival of funds.

[0130] Optionally, the clearing funds payment and collection results may be sent to the second financial institution in the form of a message, which may include payment settlement status, payment amount, currency type, payer and payee information, payment date and time, handling fee information, and clearing date and amount.

[0131] S308. After the payment and settlement service is completed, the payment and settlement service processing result is returned to the first financial institution.

[0132] In an embodiment of the present application, after receiving a payment settlement service request, the server of the bank can determine whether there is an abnormal customer in the payment settlement service request based on the customer information of the payer, the customer information of the payee, and the preset screening rules. If it is determined that there is an abnormal customer, an abnormal prompt message is sent to the first financial institution and the terminal device of the bank system respectively, and the processing of the payment settlement service request is terminated. If no abnormal customer is determined, the processing can continue, and the priority of each payment settlement service is executed from high to low. After the payment settlement is completed, the payment settlement service processing result can be returned to the first financial institution. In the above process, abnormal customers can be identified according to the preset screening rules, effectively enhancing payment security. In addition, by processing payment settlement services through priority sorting, resource allocation can be optimized to ensure that important and urgent payments are processed in a timely manner, thereby improving the efficiency of overall business processing.

[0133] Figure 4 Schematic diagram of the cross-border payment service processing method provided for this application Figure 3 . See Figure 4 Based on the above embodiment, before executing the payment settlement service according to the fund information, the payment account and the receiving account in step S204, the method may further include:

[0134] S401. If the payment account is an account that does not match the current account coding rules of the banking system, the payment account is updated according to the current account coding rules to obtain a new payment account that meets the current account coding rules.

[0135] In this step, if the payment account determined based on the identification of the first financial institution does not match the current account coding rules of the banking system, the server of the banking system can adjust and update the format, structure or content of the payment account according to the pre-defined current account coding rules to generate a new payment account that complies with the current account coding rules.

[0136] For example, the payment account obtained according to the identification of the first financial institution is a 9-digit account obtained using the early coding rules, and the current account coding rules of the banking system are to generate a 19-digit account. The 9-digit payment account can be updated according to the current account coding rules to obtain a new payment account that complies with the current account coding rules.

[0137] For another example, a payment settlement service request may include a 9-digit account number obtained using an early coding rule. After receiving the payment settlement service request, the bank system contact server may update the 9-digit payment account number according to the current account coding rule to obtain a new 19-digit payment account number that complies with the current account coding rule.

[0138] It should be noted that the new payment account and the old payment account both maintain relevance and consistency to the same customer account. Even if the coding rules change, the core attributes of the account and customer information remain unchanged. That is, during the update process, the bank system ensures that the newly generated payment account can be accurately mapped to the customer account represented by the original payment account, thereby ensuring that the customer's transaction history, account funds and other related information are not affected.

[0139] S402: If the receiving account is an account that does not match the current account coding rule of the bank system, the receiving account is updated according to the current account coding rule to obtain a new receiving account that meets the current account coding rule.

[0140] In this step, if the receiving account determined based on the customer information of the payee does not match the current account coding rules of the bank system, the server of the bank system can adjust and update the format, structure or content of the receiving account according to the pre-defined current account coding rules to generate a new receiving account that complies with the current account coding rules.

[0141] Similarly, the banking system ensures that the newly generated receiving account can be accurately mapped to the customer account represented by the original receiving account, thereby ensuring that the customer's transaction history, account funds and other relevant information are not affected.

[0142] In an embodiment of the present application, the server of the banking system can check whether the payment account and the receiving account comply with the current coding rules. If the payment account does not comply with the current coding rules, the payment account can be adjusted according to the current coding rules to generate a new payment account that meets the requirements. Similarly, if the receiving account does not comply with the current coding rules, the receiving account can also be updated accordingly to ensure that the generated new receiving account complies with the current coding rules. In the above process, by updating the account coding to comply with the current rules, the banking system can better achieve compatibility with other financial systems and services. This compatibility promotes the smooth progress of cross-system payments and data exchanges, thereby improving business processing efficiency and reducing errors and confusion caused by inconsistent coding.

[0143] Further, based on the above embodiment, if the payment settlement service request is a position telegram, then in step S204, the payment settlement service is executed according to the fund information, the payment account and the receiving account, including:

[0144] When the transaction identification code in the payment settlement service request matches the transaction identification code in the payment telegram received before the payment settlement service request, the payment settlement service is executed according to the fund information, the payment account and the receiving account.

[0145] Optionally, the server of the bank system can judge the position telegram and payment telegram for the received payment settlement service request. If it is determined that the payment settlement service request is a position telegram, it can determine whether the position telegram matches the payment telegram based on the transaction identification code in the payment telegram received before the payment settlement service request. If they match, the payment settlement service can be executed based on the fund information, payment account and receiving account. In the specific implementation, the transaction identification code in the position telegram and the payment telegram can be matched, and it can be confirmed that the two belong to the same payment settlement service based on the same transaction identification code in the two messages. Furthermore, the server of the bank system can verify the fund information, payment account and receiving account to ensure that all information is consistent and correct. If all verifications pass, the funds can be transferred from the payment account to the receiving account to complete the processing of the payment settlement service.

[0146] For the transaction identification code, it can be a field in the position telegram and payment telegram, which is used to uniquely identify the payment settlement business.

[0147] For example, MT202 is a position telegram, and MT103 is a payment telegram. If field 21 in MT202 is consistent with field 20 in MT103, it can be determined that the two messages belong to the same payment settlement business. Field 21 in MT202 and field 20 in MT103 can be "R123456", and "R123456" is the unique transaction identification code in the payment settlement business.

[0148] In the embodiment of the present application, if the server of the bank system determines that the payment settlement service request is a position telegram, the payment settlement service can be executed according to the fund information, the payment account and the receiving account when the transaction identification code in the payment settlement service request matches the transaction identification code in the payment telegram received before the payment settlement service request. By matching the transaction identification code in the position telegram and the payment telegram to execute the payment settlement service, the uniqueness and accuracy of the payment can be ensured, the security of the payment can be enhanced, and the efficiency and reliability of the cross-border payment service processing can be improved.

[0149] Figure 5 This is a flowchart of an example of a cross-border payment business processing method provided for this application. Figure 5 , which is the business process of international payment and remittance business, including:

[0150] S501. An external financial institution sends a fund clearing and transfer instruction.

[0151] Optionally, the external financial institution and the fund clearing organization may send a fund clearing transfer instruction, wherein the fund clearing transfer instruction may be a payment settlement service request, and the payment settlement service request may be sent in the form of a payment message.

[0152] S502: Receive payment and settlement business funds.

[0153] In this step, the server of the banking system can receive the payment settlement business funds. The server of the banking system can be an internal domestic financial institution.

[0154] S503. Accept the information of funds to be collected and paid.

[0155] In this step, the server of the bank system can process the received payment message. Specifically, the payment message can be archived, repaired and improved, and duplicated message checked.

[0156] For repair and improvement, it can refer to standardizing the remittance message. For example, when receiving a payment message, you can add the receiving time to help record the specific time when the payment message was received; or you can verify and clean the data in the payment message to ensure that the format and content of all fields meet the expected standards.

[0157] Optionally, the server of the banking system can also find the first BIC code node of the debit through the payment message to determine the source of the funds. For example, if the payment message is a SWIFT message, it can be traced back from field52, field53, field54, and field55 in the payment message, and the first node can be determined as the first chain of the debit (such as field55). In the SWIFT message, field52 is usually used to identify the financial institution that initiates the payment, field53 is usually used to identify the agent bank used by the sender, field54 is usually used to identify the agent bank used by the recipient, and field55 is usually used to identify the third-party bank responsible for repayment.

[0158] Optionally, after the server of the bank system finds the first chain of the debit party, it can load all the customer information corresponding to the BIC code of the first chain of the debit party. The customer information may include address, financial institution code, name, etc.

[0159] Furthermore, if the payment account is an account that does not match the current account coding rules of the banking system, the payment account is updated according to the current account coding rules to obtain a new payment account that complies with the current account coding rules.

[0160] Optionally, when the first chain BIC found is inconsistent with the financial institution that sent the payment message, you can choose to further find out whether there is a debit authorization between the two. For example, debit authorization is allowed only when the financial institution that sent the payment message has a VOSTRO account at the first chain BIC; if it has a NOSTRO account, a certain credit limit can be granted.

[0161] In addition, when the currency in the payment message is inconsistent with the currency of the payment account, currency conversion can be performed.

[0162] Similarly, the destination of the funds can be determined by searching the first BIC code node of the lender through the payment message. For example, if the payment message is a SWIFT message, a forward search can be performed from field55, field57, field58, and field59 in the payment message to determine the first node as the first chain of the lender (such as field56).

[0163] After the server of the bank system finds the first chain of the lender, it can load all the customer information corresponding to the BIC code of the first chain of the lender.

[0164] Furthermore, if the receiving account is an account that does not match the current account coding rules of the bank system, the receiving account is updated according to the current account coding rules to obtain a new receiving account that meets the current account coding rules.

[0165] Similarly, when the currency in the payment message is inconsistent with the currency of the receiving account, currency conversion can be performed.

[0166] S504. Determine whether there are any abnormal customers in the fund clearing and transfer instructions according to preset screening rules.

[0167] For example, the payment message can be screened based on the blacklist to see if there are any sanctioned customers.

[0168] S505. Review and remit clearing funds.

[0169] For example, the amount of funds in the payment account and the amount of funds in the payment message may be reviewed to determine whether the amount of funds to be paid in the payment message exceeds the upper limit of the payment account.

[0170] S506. Execute accounting of clearing funds in the clearing account.

[0171] For example, the funds involved in the payment message can be recorded and managed, and the inflow and outflow of funds can be recorded in the account.

[0172] S507. Report the clearing fund position.

[0173] Optionally, during the clearing process, the server of the banking system may report the current fund status to relevant systems or institutions.

[0174] S508: Send a message.

[0175] For example, if the client of the payee is a second financial institution that does not have cross-border settlement authority, the server of the banking system can send a message to the second financial institution after receiving funds from the first financial institution. The message may include information such as the amount of funds and currency type, payer and payee information, transaction date and time, etc.

[0176] S509. Distribute settlement and transaction funds.

[0177] For example, a server in a banking system may make a fund payment to a second financial institution that does not have cross-border settlement authority.

[0178] S510. Results of clearing fund collection and payment.

[0179] For example, after successfully completing the payment and settlement service, the server of the banking system may return detailed payment and settlement service processing results to the first financial institution.

[0180] In an optional implementation, when processing cross-border payment business, all operations of a payment can be completed manually on a payment page, and all related information of the payment can be obtained. Among them, on a payment page, the manual operations that business personnel can perform include: manual processing of re-reporting, manual processing of returned reports, manual processing of message modification, manual processing of blacklist screening, manual processing of debit determination, manual processing of position matching, manual processing of position collection, manual processing of credit determination, manual processing of interest date, sub-reporting within the clearing component, retention, cross-component / system sub-reporting, query processing (ordinary transfer query, stop payment transfer query), check and reply processing (review of check and reply information, confirmation of message information after check and reply), and message disposal processing (all unrecorded messages can be disposed of).

[0181] It should be noted that the above manual operations can be automated by designing a corresponding rule engine. The rule engine allows users to define a series of rules that can be flexibly configured according to business needs. Users can create rules, specify conditions and corresponding operations through an intuitive interface. In actual applications, when a payment settlement business request meets the preset rules, the rule engine will automatically perform the corresponding operations without manual intervention.

[0182] The cross-border payment business processing method example provided in this application greatly improves the efficiency and security of cross-border payments through automated and standardized processes, ensuring accurate and timely fund settlement. After receiving a payment settlement request, the system can automatically perform related operations according to the preset business processing process. In addition, business personnel can also use the manual interface provided by this solution to implement manual processing, so that business personnel no longer need to remember complex transaction codes.

[0183] Figure 6 A schematic diagram of the structure of the cross-border payment service processing device provided for this application. Figure 6 The cross-border payment service processing device 10 provided in this embodiment is applied to a server of a banking system, and includes:

[0184] The receiving module 11 is used to receive a payment settlement service request sent by a server of a first financial institution, wherein the first financial institution is an overseas financial institution in a different service area from the banking system, and the payment settlement service request includes: an identifier of the first financial institution, customer information of the payer, customer information of the payee, and fund information;

[0185] A first processing module 12, configured to determine a payment account according to an identifier of the first financial institution;

[0186] The second processing module 13 is used to determine the payment account according to the customer information of the payee;

[0187] An execution module 14, configured to execute a payment settlement service according to the fund information, the payment account and the receiving account;

[0188] The return module 15 is used to return the payment settlement service processing result to the first financial institution after executing the payment settlement service.

[0189] The cross-border payment business processing device provided in this embodiment can execute the method provided in the above method embodiment. Its implementation principle and technical effect are similar, and this embodiment will not be described in detail here.

[0190] In a possible implementation manner, the first processing module 12 is further configured to:

[0191] Determine whether there is an abnormal customer in the payment settlement service request according to the customer information of the payer, the customer information of the payee, and a preset screening rule;

[0192] If it is determined that there is an abnormal customer, abnormal prompt information is sent to the first financial institution and the terminal device of the bank system respectively, and the processing of the payment settlement service request is terminated.

[0193] In a possible implementation manner, the execution module 14 is further configured to:

[0194] If the payment account is an account that does not match the current account coding rule of the bank system, the payment account is updated according to the current account coding rule to obtain a new payment account that meets the current account coding rule;

[0195] and / or,

[0196] If the receiving account is an account that does not match the current account coding rule of the bank system, the receiving account is updated according to the current account coding rule to obtain a new receiving account that meets the current account coding rule.

[0197] In a possible implementation manner, if the customer information of the payee indicates that the payee is a second financial institution that does not have cross-border settlement authority, the returning module 15 further includes:

[0198] After the payment settlement service is completed, the clearing fund payment result is sent to the server of the second financial institution.

[0199] In a possible implementation manner, the execution module 14 is further configured to:

[0200] For multiple payment settlement services to be executed, payment settlement processing is performed in descending order according to the priority of each payment settlement service.

[0201] In a possible implementation manner, if the payment settlement service request is a position telegram, the execution module 14 is specifically configured to:

[0202] When the transaction identification code in the payment settlement service request matches the transaction identification code in the payment telegram received before the payment settlement service request, the payment settlement service is executed according to the fund information, the payment account and the receiving account.

[0203] The cross-border payment business processing device provided in this embodiment can execute the method provided in the above method embodiment. Its implementation principle and technical effect are similar, and this embodiment will not be described in detail here.

[0204] Figure 7 A diagram of the server structure provided for this application. Figure 7 The server 20 provided in this embodiment includes: at least one processor 21 and a memory 22. Optionally, the server 20 also includes a communication component 23. The processor 21, the memory 22 and the communication component 23 are connected via a bus 24.

[0205] In a specific implementation process, at least one processor 21 executes the computer-executable instructions stored in the memory 22, so that at least one processor 21 executes the above method.

[0206] The specific implementation process of the processor 21 can be found in the above method embodiment, and its implementation principle and technical effect are similar, so this embodiment will not be repeated here.

[0207] In the above embodiments, it should be understood that the processor may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), etc. A general-purpose processor may be a microprocessor or any conventional processor. The steps of the method disclosed in the invention may be directly implemented as being executed by a hardware processor, or may be executed by a combination of hardware and software modules in the processor.

[0208] The memory may include a high-speed memory (Random Access Memory, RAM), and may also include a non-volatile memory (Non-volatile Memory, NVM), such as at least one disk memory.

[0209] The bus may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, the bus in the drawings of the present application is not limited to only one bus or one type of bus.

[0210] The present application also provides a computer program product, including a computer program, which implements the above method when executed by a processor.

[0211] The present application also provides a computer-readable storage medium, in which computer-executable instructions are stored. When a processor executes the computer-executable instructions, the above method is implemented.

[0212] The above-mentioned readable storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic disk or optical disk. The readable storage medium can be any available medium that can be accessed by a general or special-purpose computer.

[0213] An exemplary readable storage medium is coupled to a processor so that the processor can read information from the readable storage medium and write information to the readable storage medium. Of course, the readable storage medium can also be a component of the processor. The processor and the readable storage medium can be located in an application specific integrated circuit (Application Specific Integrated Circuits, referred to as: ASIC). Of course, the processor and the readable storage medium can also exist in the device as discrete components.

[0214] The division of units is only a logical function division, and there may be other divisions in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interface, device or unit, which can be electrical, mechanical or other forms.

[0215] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0216] In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.

[0217] If the function is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, or the part that contributes to the prior art, or the part of the technical solution, can be embodied in the form of a software product. The computer software product is stored in a storage medium, including several instructions for a computer device (which can be a personal computer, server, or network device, etc.) to perform all or part of the steps of the methods of each embodiment of the present invention. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk, etc. Various media that can store program codes.

[0218] Those skilled in the art can understand that all or part of the steps of implementing the above-mentioned method embodiments can be completed by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When the program is executed, the steps of the above-mentioned method embodiments are executed; and the aforementioned storage medium includes: ROM, RAM, disk or optical disk and other media that can store program codes.

[0219] Finally, it should be noted that those skilled in the art will readily conceive of other embodiments of the present invention after considering the specification and practicing the invention disclosed herein. The present invention is intended to cover any variations, uses or adaptations of the present invention, which follow the general principles of the present invention and include common knowledge or customary technical means in the art not disclosed by the present invention, are not limited to the precise structure described above and shown in the drawings, and may be modified and changed in various ways without departing from the scope thereof. The scope of the present invention is limited only by the appended claims.

Claims

1. A cross-border payment service processing method, characterized in that: Applied to a server of a banking system, the method comprises: Receiving a payment settlement service request sent by a server of a first financial institution, where the first financial institution is an overseas financial institution in a different service area from the banking system, and the payment settlement service request includes: an identifier of the first financial institution, customer information of the payer, customer information of the payee, and fund information; determining a payment account according to the identifier of the first financial institution; Determining a payment account according to the customer information of the payee; Execute payment settlement services according to the fund information, the payment account and the receiving account; After the payment settlement service is completed, the payment settlement service processing result is returned to the first financial institution.

2. The method according to claim 1, characterized in that Before determining the payment account according to the identifier of the first financial institution, the method further includes: Determine whether there is an abnormal customer in the payment settlement service request according to the customer information of the payer, the customer information of the payee, and a preset screening rule; If it is determined that there is an abnormal customer, abnormal prompt information is sent to the first financial institution and the terminal device of the bank system respectively, and the processing of the payment settlement service request is terminated.

3. The method according to claim 1 or 2, characterized in that: Before executing the payment settlement service according to the fund information, the payment account and the receiving account, the method further includes: If the payment account is an account that does not match the current account coding rule of the bank system, the payment account is updated according to the current account coding rule to obtain a new payment account that meets the current account coding rule; and / or, If the receiving account is an account that does not match the current account coding rule of the bank system, the receiving account is updated according to the current account coding rule to obtain a new receiving account that meets the current account coding rule.

4. The method according to claim 1 or 2, characterized in that: If the client information of the payee indicates that the payee is a second financial institution that does not have cross-border settlement authority, the method further includes: After the payment settlement service is completed, the clearing fund payment result is sent to the server of the second financial institution.

5. The method according to claim 1 or 2, characterized in that: The method further comprises: For multiple payment settlement services to be executed, payment settlement processing is performed in descending order according to the priority of each payment settlement service.

6. The method according to claim 1 or 2, characterized in that: If the payment settlement service request is a position telegram, then according to the fund information, the payment account and the receiving account, the payment settlement service is executed, including: When the transaction identification code in the payment settlement service request matches the transaction identification code in the payment telegram received before the payment settlement service request, the payment settlement service is executed according to the fund information, the payment account and the receiving account.

7. A cross-border payment service processing device, characterized in that: The server is applied to a banking system, and the device comprises: a receiving module, configured to receive a payment settlement service request sent by a server of a first financial institution, wherein the first financial institution is an overseas financial institution in a different service area from the banking system, and the payment settlement service request includes: an identifier of the first financial institution, customer information of the payer, customer information of the payee, and fund information; A first processing module, configured to determine a payment account according to an identifier of the first financial institution; A second processing module is used to determine a payment account according to the customer information of the payee; An execution module, used to execute payment settlement services according to the fund information, the payment account and the receiving account; The return module is used to return the payment settlement business processing result to the first financial institution after executing and completing the payment settlement business.

8. A server, characterized in that: include: Memory, processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory, so that the processor performs the method according to any one of claims 1 to 6.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, which are used to implement the method according to any one of claims 1 to 6 when executed by a processor.

10. A computer program product, characterized in that The computer program product comprises a computer program, wherein the computer program implements the method according to any one of claims 1 to 6 when the computer program is executed by a processor.

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