Resource transfer method and related device
By obtaining and comparing resource deduction records and return service lists, resources are automatically transferred from the transitional account to the collection account, which solves the problem of low manual return efficiency in the existing technology and improves the processing efficiency of resource return service.
Patent Information
- Application Number
- CN202411743197.8
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-11-29
- Publication Date
- 2025-03-21
AI Technical Summary
In the prior art, relying on manual fund return services is inefficient and cannot meet the increasing business needs.
By obtaining resource deduction records and resource return business lists, comparing, if it is determined that the second abnormal account is consistent with the first abnormal account, the corresponding resources are transferred to the collection account from the resources of the first abnormal account stored in the transition account.
It realizes the automated return of resources that need to be returned in abnormal accounts to the corresponding collection account, which improves the processing efficiency of resource return services and can better meet the increasing demand for return services.
Smart Images
Figure CN119671695A_ABST
Abstract
Description
Technical Field
[0001] The present application relates to the field of data processing technology, and in particular to a resource transfer method and related devices. Background Art
[0002] With the development of technology and the cracking of relevant judicial institutions (such as public security organs, etc.), the demand for the return of illegal funds to corresponding accounts is increasing day by day. For example, illegal funds related to online fraud need to be returned to the victim's account.
[0003] In actual application, each banking institution is responsible for implementing the above-mentioned fund return. For this purpose, the clearing center of the banking institution has opened a fund return business, which is usually operated at the bank counter and performed one by one by the clearing personnel.
[0004] However, this manual-dependent approach is inefficient and far from meeting the ever-increasing business needs. Summary of the invention
[0005] In order to solve the above technical problems, the present application provides a resource transfer method and related devices, which are conducive to improving the processing efficiency of resource return business and can better meet the increasing demand for return business.
[0006] The embodiments of the present application disclose the following technical solutions:
[0007] On the one hand, an embodiment of the present application provides a resource transfer method, the method comprising:
[0008] Obtain a resource deduction record and a resource return business list, wherein the resource deduction record is used to indicate that resources with a first resource value in the first abnormal account are deducted to the transition account, and the resource return business list is used to indicate that resources with a second resource value in the second abnormal account are returned to the receiving account;
[0009] Comparing the resource deduction record with the resource return service list;
[0010] If it is determined based on the comparison that the second abnormal account is consistent with the first abnormal account, resources with the second resource value are transferred to the receiving account from the resources of the first abnormal account stored in the transition account.
[0011] On the other hand, an embodiment of the present application provides a resource transfer device, the device comprising an acquisition unit, a comparison unit and a transfer unit:
[0012] The acquisition unit is used to acquire a resource deduction record and a resource return service list, wherein the resource deduction record is used to indicate that resources with a first resource value in the first abnormal account are deducted to the transition account, and the resource return service list is used to indicate that resources with a second resource value in the second abnormal account are returned to the receiving account;
[0013] The comparison unit is used to compare the resource deduction record with the resource return service list;
[0014] The transfer unit is used to transfer resources of the second resource value from the resources of the first abnormal account stored in the transition account to the receiving account if it is determined based on the comparison that the second abnormal account is consistent with the first abnormal account.
[0015] In another aspect, an embodiment of the present application provides a computer device, the computer device comprising a processor and a memory:
[0016] The memory is used to store program code and transmit the program code to the processor;
[0017] The processor is used to execute the resource transfer method described in the above aspects according to the instructions in the program code.
[0018] On the other hand, an embodiment of the present application provides a computer-readable storage medium, wherein the computer-readable storage medium is used to store a computer program, and the computer program is used to execute the resource transfer method described in the above aspects.
[0019] On the other hand, an embodiment of the present application provides a computer program product including instructions, which, when executed on a computer, enables the computer to execute the resource transfer method described in the above aspects.
[0020] It can be seen from the above technical solution that the resource deduction record and the resource return business list are obtained, wherein the resource deduction record is used to indicate that the resources with the first resource value in the first abnormal account are deducted to the transition account, and the resources in the first abnormal account may refer to illegal resources, which need to be returned to the corresponding account. And the resource return business list is used to indicate that the resources with the second resource value in the second abnormal account are returned to the collection account, that is, the resource return business list indicates which abnormal accounts need to return resources to which collection accounts. Then, the resource deduction record can be compared with the resource return business list. If it is determined based on the comparison that the second abnormal account is consistent with the first abnormal account, it indicates that the resources need to be transferred from the first abnormal account to the collection account. Since the resources of the first abnormal account have been deducted to the transition account, the resources with the second resource value can be directly transferred from the resources of the first abnormal account stored in the transition account to the collection account. Based on this, the resources that need to be returned in the abnormal account can be automatically returned to the corresponding collection account. Compared with the manual return method used in related technologies, the use of this application is conducive to improving the processing efficiency of resource return business and can better meet the increasing demand for return business. BRIEF DESCRIPTION OF THE DRAWINGS
[0021] In order to more clearly illustrate the technical solutions in the embodiments of the present application or the related technologies, the drawings required for use in the embodiments or the related technical descriptions are briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.
[0022] Figure 1 A flowchart of a resource transfer method provided in an embodiment of the present application;
[0023] Figure 2 A structural diagram of a resource transfer device provided in an embodiment of the present application. DETAILED DESCRIPTION
[0024] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.
[0025] The resource transfer method provided in the embodiment of the present application can be implemented by a computer device, which can be a terminal device or a server, wherein the server can be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server providing cloud computing services. Terminal devices include but are not limited to mobile phones, computers, intelligent voice interaction devices, smart home appliances, vehicle-mounted terminals, etc. The terminal device and the server can be directly or indirectly connected via wired or wireless communication, and this application does not impose any restrictions on this.
[0026] The specific examples are as follows:
[0027] Figure 1 A flowchart of a resource transfer method provided in an embodiment of the present application is provided, and a terminal device is used as the aforementioned computer device for example. The method includes S101-S103:
[0028] S101: Obtain resource deduction records and resource return business list.
[0029] Among them, the resource deduction record is used to indicate that the resources with the first resource value in the first abnormal account are deducted to the transition account, and the transition account is used to store the resources deducted from the first abnormal account. Based on the deduction to the transition account, these resources are prevented from being illegally transferred. In practical applications, the first abnormal account may refer to an account storing illegal resources, and correspondingly, the resources in the first abnormal account may refer to illegal resources, which need to be returned to the corresponding account. For example, the first abnormal account refers to an account storing illegal resources in an illegal event (such as an online fraud event). And, the resource return business list is used to indicate that the resources with the second resource value in the second abnormal account are returned to the collection account, that is, the resource return business list indicates which abnormal accounts need to return resources to which collection accounts.
[0030] The present application does not limit the method of obtaining resource deduction records and resource return service lists. For ease of understanding, the present application provides the following method as an example:
[0031] In one possible implementation, the resource deduction record may come from the deduction business of the institutional clearing center. Accordingly, the transition account belongs to the institutional clearing center, and the resource return business list comes from the return business with a status of approved in the judicial investigation and control system corresponding to the institutional clearing center. The judicial investigation and control system is used to receive the list of pending returns sent by the illegal resource processing agency.
[0032] Among them, the institutional clearing center can be, for example, the clearing center corresponding to the target institution (such as a banking institution), which is responsible for the clearing business of the target institution, and the aforementioned deduction business belongs to the clearing business. Among them, the deduction business means: when it is determined that an account is abnormal, the account will be frozen. At the same time, in order to avoid the illegal transfer of resources stored in the account, the institutional clearing center will forcibly deduct the resources in these accounts to the transition account, and use the transition account to temporarily store these resources. Correspondingly, a resource deduction record will be formed, indicating how much resource value has been deducted from which abnormal account to the transition account for subsequent write-off processing. Exemplary, the transition account has 95 transitions, etc.
[0033] Furthermore, the aforementioned illegal resource processing agency can be, for example, a public security agency, a court agency, or an agency with qualifications or official authority. The illegal resource processing agency can be used to clarify which accounts belong to the aforementioned second abnormal account, and clarify the corresponding receiving account, the amount of the payment, etc. For example, the illegal resource processing agency can solve a certain online fraud incident, determine that account A is the account that committed the fraud (i.e., the second abnormal account), account B is the victim's account (i.e., the payment account), and clearly need to return resources with a resource value of x to account B, and accordingly generate a list to be returned.
[0034] In actual applications, the illegal resource processing agency can promptly inform the agency to which the second abnormal account belongs of the determined second abnormal account, so that the agency can freeze the second abnormal account and perform the aforementioned compulsory deduction, etc. Afterwards, the list to be returned can also be sent to the judicial investigation and control system corresponding to the institutional clearing center of the agency to which it belongs, so that the agency can make subsequent returns, etc.
[0035] Based on this, through the cooperation between the institutional clearing center and the illegal resource processing agency, effective resource deduction records and resource return business lists are obtained to facilitate subsequent resource returns.
[0036] Since the above-mentioned business involves resource transfer, in order to ensure the correct transfer of resources, in a possible implementation, the above-mentioned S101 may include:
[0037] First, relevant personnel (such as the aforementioned institutional clearing center and personnel responsible for clearing business) can implement a deduction query instruction through the clearing system to query whether there is a deduction list. Accordingly, in response to the deduction query instruction for querying the deduction list, the records to be written off with the deduction date as the target date can be screened from the records to be written off according to the target date corresponding to the deduction query instruction. Among them, the target date can be the date specified by the relevant personnel when implementing the deduction query instruction, which is used to indicate that this query is to determine whether there are records to be written off generated within the target date. And, the records to be written off are the deduction business results corresponding to the institutional clearing center, and the records to be written off are used to indicate that on the deduction date, the resources with abnormal resource values in the abnormal account are deducted to the transition account, and the transition account belongs to the institutional clearing center and is used to store the resources deducted from the abnormal account. For example, the institutional clearing center A Zi forcedly deducted resources with xx resource values from the A account to the transition account on xx date, and then a record to be written off is generated, indicating that this resource needs to be returned later and is currently only temporarily stored in the transition account.
[0038] If it is determined based on the screening that there are pending write-off records whose deduction date is the target date, it means that for the target date queried by the relevant personnel, there are pending write-off records that require resource return. At this time, the pending write-off records whose deduction date is the target date obtained by screening can be determined as resource deduction records.
[0039] And, after obtaining the resource deduction record, the return list upload control can be displayed, such as displaying the return list upload control in the front-end interface of the clearing system. Then, relevant personnel can continue to upload the return list in order to carry out subsequent resource returns. Accordingly, in response to the return list upload operation implemented by the return list upload control, the return list corresponding to the return list upload operation can be obtained as the resource return business list. In actual applications, through the return list upload control, the aforementioned judicial investigation and control system can be connected to upload the return list corresponding to the return business with a status of approved.
[0040] On the contrary, if it is determined based on the screening that there are no pending records with a deduction date being the target date, it means that for the target date, there are temporarily no pending records that require resource return, and accordingly there is no need to upload a return list. Therefore, the return list upload control may no longer be displayed, thereby prohibiting relevant personnel from uploading return lists and saving computer resources.
[0041] Based on this, a human-computer interaction method is provided to facilitate relevant personnel to process on demand, such as specifying a target date, etc. In addition, only when it is determined that there is a resource deduction record, the relevant personnel are supported to continue uploading the return list. If there is no record, uploading is prohibited to avoid wasting computing resources.
[0042] And, in actual application, through the return list upload control, the aforementioned judicial investigation and control system can be connected to review the list of pending returns received from the aforementioned illegal resource processing agency through the judicial investigation and control system, and upload the approved list to the clearing system as the aforementioned resource return business list, that is, those that fail the review will not be uploaded, thereby avoiding subsequent processing of the pending return list that fails the review, and also helping to avoid unnecessary processing and waste of computing resources. Usually, this kind of review can also be the responsibility of relevant personnel, so that in these steps, manual targeted review can also be connected, which is conducive to ensuring accuracy.
[0043] In actual applications, the to-be-returned list sent by the aforementioned illegal resource processing agency may include freezer information (i.e., abnormal account information, including affiliated agency, account number, frozen resource value, etc.), freezing information of the authorized agency, public security agency assistance return notice information, victim receiving account information (i.e., the aforementioned receiving account information), receiving structure information (i.e., information of the receiving account affiliated agency), etc. Correspondingly, when audited by the judicial control system, the audited information also includes these. Based on the audit, it can be determined whether the affiliated agency of the abnormal account indicated in the to-be-returned list is the target agency of the institutional clearing center. If not, it indicates that the target agency has no right to handle this to-be-returned list, and it may be that the illegal resource processing agency sent it by mistake, so it does not need to be uploaded to the clearing system.
[0044] S102: Compare the resource deduction record with the resource return business list.
[0045] Since the resource deduction record is used to indicate that the resources with the first resource value in the first abnormal account are deducted to the transition account, the resources in the first abnormal account may refer to illegal resources, which need to be returned to the corresponding account. And the resource return business list is used to indicate that the resources with the second resource value in the second abnormal account are returned to the receiving account, that is, the resource return business list indicates which abnormal accounts need to return resources to which receiving accounts. Therefore, by comparing the two, it is possible to clarify which account's resources need to be transferred to which account, that is, to clarify the path of resource transfer.
[0046] It should be noted that the present application does not limit the method of comparison. For ease of understanding, the present application provides the following method as an example:
[0047] In actual applications, the details of the resource deduction record may include the deduction account (i.e., the first abnormal account), the deduction amount (i.e., the first resource value), and the deduction document number, etc. The details of the resource return business list may include the frozen account (i.e., the second abnormal account), the return account (i.e., the receiving account), the return amount (i.e., the second resource value), and the return notice document number, etc. When comparing, the details of the two may be compared, the main purpose of which is to clarify from which abnormal account's resources, how much resource value of resources are transferred to which receiving account.
[0048] S103: If it is determined based on the comparison that the second abnormal account is consistent with the first abnormal account, resources of the second resource value are transferred from the resources of the first abnormal account stored in the transition account to the receiving account.
[0049] If it is determined based on the comparison that the second abnormal account is consistent with the first abnormal account, it indicates that resources need to be transferred from the first abnormal account to the receiving account. Since the resources of the first abnormal account have been deducted to the transition account, the resources of the first abnormal account stored in the transition account can be directly transferred to the receiving account as the second resource value. Exemplarily, both the first abnormal account and the receiving account are associated with a target event (such as a certain network fraud event), and the first resource value and the second resource value are both related to the target event. For example, the first resource value may refer to the resources illegally obtained by the first abnormal account in the target event, and the second resource value may refer to the illegal resources provided by the receiving account to the first abnormal account in the target event, or the resources defrauded by the first abnormal account.
[0050] In specific implementation, if it is determined based on the comparison that the second abnormal account is consistent with the first abnormal account, and the first resource value is greater than or equal to the second resource value, then the resources of the first abnormal account stored in the transition account are transferred to the collection account as the second resource value. Based on this, not only whether the accounts are consistent but also whether the resource values are correct are judged to determine whether the resource transfer is actually performed, which is conducive to ensuring the correct transfer of resources. Exemplarily, if the accounts are consistent but the second resource value is greater than the first resource value, it indicates that the resources deducted from the first abnormal account are not enough to clear the resources that need to be returned to the collection account. This may be caused by a problem with the second resource value or an illegal transfer of resources in the first abnormal account before the deduction. At this time, the resource transfer may not be performed first, but further review may be conducted (such as docking with the aforementioned illegal resource processing agency to verify the relevant first abnormal account, collection account, etc.).
[0051] It can be seen from the above technical solution that the resource deduction record and the resource return business list are obtained, wherein the resource deduction record is used to indicate that the resources with the first resource value in the first abnormal account are deducted to the transition account, and the resources in the first abnormal account may refer to illegal resources, which need to be returned to the corresponding account. And the resource return business list is used to indicate that the resources with the second resource value in the second abnormal account are returned to the collection account, that is, the resource return business list indicates which abnormal accounts need to return resources to which collection accounts. Then, the resource deduction record can be compared with the resource return business list. If it is determined based on the comparison that the second abnormal account is consistent with the first abnormal account, it indicates that the resources need to be transferred from the first abnormal account to the collection account. Since the resources of the first abnormal account have been deducted to the transition account, the resources with the second resource value can be directly transferred from the resources of the first abnormal account stored in the transition account to the collection account. Based on this, the resources that need to be returned in the abnormal account can be automatically returned to the corresponding collection account. Compared with the manual return method used in related technologies, the use of this application is conducive to improving the processing efficiency of resource return business and can better meet the increasing demand for return business.
[0052] Through the above embodiments, the resource transfer method provided by the present application is illustrated. It should also be noted that the present application does not impose any limitation on how to transfer resources to the payment collection account.
[0053] For ease of understanding, the present application provides the following examples as examples:
[0054] In a possible implementation manner, the aforementioned S103 may include:
[0055] If it is determined based on the comparison that the second abnormal account is consistent with the first abnormal account, a resource return list can be generated, and the resource return list can be used to indicate the transfer of resources with a second resource value from the resources from the first abnormal account stored in the transition account to the collection account. Afterwards, the relevant personnel can implement the exchange instruction, and can respond to the exchange instruction accordingly, perform resource exchange according to the resource return list, so as to transfer the resources with a second resource value from the resources from the first abnormal account stored in the transition account to the collection account. Based on this, the resources that need to be returned can be stored in the form of a resource return list, and then based on the exchange instruction, the resource exchange is executed and the resource return is completed.
[0056] The advantage of doing so is that, on the one hand, multiple resource transfers can be stored in a resource return list for batch processing and improved efficiency. On the other hand, the timing for executing resource exchange is after the exchange instruction is implemented, so more and more complete audit mechanisms can be flexibly accessed to ensure the correctness of resource transfer. In this regard, for a better understanding, the following examples are provided in the embodiments of the present application:
[0057] First, in response to a return query instruction for querying a resource return list, a report of a resource return list corresponding to the return query instruction is displayed. In the report of the resource return list, each line of the report content is used to indicate resources transferred from the target abnormal account to the target collection account as the target resource value. The target collection account is a collection account indicated in the resource return business list. The target abnormal account is the first abnormal account indicated in the resource deduction record, which is consistent with the second abnormal account corresponding to the target collection account indicated in the resource return business list. The target resource value is the resource value to be transferred to the target collection account indicated in the resource return business list. It can be seen that each line of the report content is used to indicate a resource transfer. In the report of the resource return list, there can be multiple lines, that is, multiple resource transfers. In actual applications, the report of the resource return list can be displayed in the front-end interface of the aforementioned clearing center for review by relevant personnel.
[0058] Usually, after the relevant personnel have reviewed the report and confirmed that it is correct, they can upload the report for subsequent processing. Specifically, in response to the report upload instruction implemented for the report of the resource return list, a remittance approval request is sent to the remittance review account, and the remittance approval request is used to indicate the remittance review account and approve the remittance request of the report of the resource return list. Among them, the remittance review account refers to an account with the authority to indicate whether to remit. Usually, the aforementioned relevant personnel do not have the authority to directly instruct to make a remittance, but after the report is reviewed and confirmed, they initiate an application to the remittance review account with higher authority. In this way, a method based on authority rule setting is provided, which is conducive to ensuring the accuracy of resource remittance. Exemplarily, the relevant personnel can be a front desk teller responsible for clearing business, and the remittance review account can be the account of the supervisor to whom the front desk teller belongs, which is mainly used to authorize the remittance to ensure the security and accuracy of the remittance.
[0059] Next, if an exchange approval message is received from the exchange review account, indicating that subsequent exchange can be carried out, the exchange instruction trigger control can be displayed at this time. Accordingly, in response to the exchange instruction implemented by the exchange instruction trigger control, a batch exchange of resources can be performed according to the report of the resource return list to transfer the resources from the target abnormal account stored in the transition account with the target resource value to the target collection account.
[0060] Based on this, through the report of the resource return list, multiple resource transfers can be exchanged in batches, which is conducive to improving the efficiency of resource transfer. At the same time, corresponding implementation time limits are added in each step, so that the relevant audits (such as the audit of exchange approval, etc.) can be flexibly connected to the whole process to ensure the accuracy of resource exchange.
[0061] In actual applications, resource return involves the return of illegal resources. After the return, it is usually necessary to give a receipt to the relevant agency (such as the illegal resource processing agency mentioned above) to inform that the return has been completed. In order to facilitate the generation of the required receipt, in another possible implementation, a status record can be added to clarify the processing status of each resource transfer, specifically:
[0062] Before executing the batch exchange of resources, the exchange status corresponding to a resource transfer indicated by each line of report content is in the pending exchange status. Accordingly, during the execution of the batch exchange of resources, in response to completing a resource transfer indicated by each line of report content, the exchange status corresponding to each line of report content is adjusted from the pending exchange status to the exchanged status, based on which it is indicated that the resource transfer indicated by this line of report content has been exchanged.
[0063] Also, in actual applications, after receiving the resource entry, an account will return the receipt information to the remitter to inform the receipt status. Therefore, the entry status corresponding to each line of the report content can be determined based on the receipt information of the target receiving account corresponding to each line of the report content. The entry status is used to indicate whether the target receiving account has received the resource with the target resource value. Based on this, it is clear whether each resource transfer has actually been returned to the corresponding receiving account.
[0064] Finally, in response to the query instruction for the return result, a transaction receipt can be generated according to the report content where the exchange status is the exchanged status and the account entry status indicates that the resources have been received. That is, for those that have completed the exchange and the receiving account has confirmed that the returned resources have been received, a transaction receipt is generated so that relevant personnel can download, print, or provide feedback to relevant personnel and relevant institutions.
[0065] For example, after a transaction receipt is generated, the transaction receipt can be sent to the mailbox of the person in charge of the clearing center to inform the clearing result. In specific implementation, if the status of the transaction receipt is not sent, the clearing system automatically obtains the corresponding email address of the person in charge of the clearing center and sends the transaction receipt to the person in charge as an attachment via email. Usually, each transaction receipt can only be sent once.
[0066] In specific implementation, the query instruction for the return result can be implemented in the query interface of the clearing system. Correspondingly, the front-end interface can jump to the receipt processing sub-interface to display the details of the batch that have been accounted for. In addition, it can support relevant personnel to specify and generate transaction receipts in a specified format for the details as needed. Of course, this interface can also support receipt preview, batch saving, printing, sending emails and other operations, so that relevant personnel can handle as needed.
[0067] In addition, further verification may be performed on the report contents whose exchange status indicates that the exchanged status has been established and whose account entry status indicates that the resources have not been received, so as to determine the reasons for the failure of resource transfer, etc.
[0068] Also, in actual applications, in the query interface of the clearing system, relevant personnel can be supported to select individually or in combination the transaction date, batch number, payer account number, payee account number, transaction amount options, exchange status, account entry status, etc. for which they want to generate a summary table. Specifically, after selecting the aforementioned items, the background of the clearing system automatically generates a "clearing summary table" for downloading or printing, etc. Among them, the transaction date can be used to indicate the exchange date, the batch number can be the processing batch number corresponding to the aforementioned resource return list, and can be generated synchronously when the resource return list is generated, the payer account number is the aforementioned target abnormal account, the payee account number is the aforementioned target collection account, and the transaction amount can refer to the aforementioned target resource value.
[0069] In another possible implementation, if the transition account belongs to the target institution (such as a banking institution), the above-mentioned S103, in which the resources of the first abnormal account stored in the transition account are transferred to the receiving account as the resources of the second resource value, may include one of the following when specifically implemented:
[0070] If the receiving account belongs to the target institution and the receiving account is a personal account, it indicates that the two accounts involved in this resource transfer are from the same institution and are a resource transfer to an individual. Therefore, the resources of the first abnormal account stored in the transition account can be transferred to the receiving account with the second resource value, and it is determined that the resource transfer belongs to the personal business type.
[0071] Alternatively, if the receiving account belongs to the target institution and the receiving account is a public account, it indicates that the two accounts involved in this resource transfer belong to the same institution and are a public resource transfer. Therefore, the resources of the first abnormal account stored in the transition account can be transferred to the receiving account with a second resource value, and it is determined that the resource transfer belongs to the public business type.
[0072] Alternatively, if the receiving account does not belong to the target institution, it indicates that the two accounts involved in this resource transfer are not from the same institution, and it is an inter-institutional resource transfer. Therefore, the resources of the first abnormal account stored in the transition account can be transferred to the receiving account with the second resource value, and it can be determined that the resource transfer belongs to the inter-institutional business type.
[0073] Based on this, when executing resource transfer, the institutions to which the accounts of both parties belong and the type of the receiving account are determined to determine whether the business type of this resource transfer is from the same institution to individuals, from the same institution to companies, or across institutions (i.e., other banks).
[0074] Subsequently, statistics can be collected for multiple resource transfers based on business types to analyze the account distribution of illegal resources involved in the organization, and guide the organization to better manage its accounts to reduce the probability of using accounts under the organization to commit illegal incidents and generate illegal resources.
[0075] It can be understood that in the above embodiments, the lists, reports, receipts, etc. involved can all be exported into electronic files in corresponding formats in file formats such as et, txt, pdf, etc. for use by relevant personnel.
[0076] Figure 2 This is a structural diagram of a resource transfer device provided in an embodiment of the present application, wherein the device includes an acquisition unit 201, a comparison unit 202, and a transfer unit 203:
[0077] The acquisition unit 201 is used to acquire a resource deduction record and a resource return service list, wherein the resource deduction record is used to indicate that resources with a first resource value in the first abnormal account are deducted to the transition account, and the resource return service list is used to indicate that resources with a second resource value in the second abnormal account are returned to the receiving account;
[0078] The comparison unit 202 is used to compare the resource deduction record with the resource return service list;
[0079] The transfer unit 203 is configured to transfer resources of the second resource value from the resources of the first abnormal account stored in the transition account to the receiving account if it is determined based on the comparison that the second abnormal account is consistent with the first abnormal account.
[0080] In a possible implementation, the transfer unit is further used for:
[0081] If it is determined based on the comparison that the second abnormal account is consistent with the first abnormal account, a resource return list is generated, wherein the resource return list is used to indicate the resources from the first abnormal account stored in the transition account to be transferred to the receiving account as the second resource value;
[0082] In response to the exchange instruction, resource exchange is performed according to the resource return list to transfer resources with the second resource value from the resources from the first abnormal account stored in the transition account to the receiving account.
[0083] In a possible implementation, the transfer unit is further used for:
[0084] In response to a return query instruction for querying a resource return list, a report of the resource return list corresponding to the return query instruction is displayed, in which each line of the report content is used to represent resources transferred from the resources of the target abnormal account to the target collection account as the target resource value, the target collection account is a collection account indicated in the resource return business list, the target abnormal account is a first abnormal account in the first abnormal account indicated in the resource deduction record, which is consistent with the second abnormal account corresponding to the target collection account indicated in the resource return business list, and the target resource value is the resource value indicated in the resource return business list that needs to be transferred to the target collection account;
[0085] In response to a report upload instruction implemented for the report of the resource return list, sending a foreign exchange approval request to the foreign exchange review account, wherein the foreign exchange approval request is used to instruct the foreign exchange review account to approve the foreign exchange request of the report of the resource return list;
[0086] If a message of approval of the exchange is received from the exchange review account, the exchange instruction trigger control is displayed;
[0087] In response to the exchange instruction implemented by the exchange instruction trigger control, a batch exchange of resources is performed according to the report of the resource return list to transfer resources with the target resource value from the resources from the target abnormal account stored in the transition account to the target collection account.
[0088] In a possible implementation, before executing the batch exchange of resources, the exchange status corresponding to a resource transfer indicated by each line of the report content is a pending exchange status, and the transfer unit is further used to:
[0089] In the process of executing the batch exchange of resources, in response to completing a resource transfer indicated by each line of the report content, adjusting the exchange status corresponding to each line of the report content from the pending exchange status to the exchanged status;
[0090] Determine, according to the payment receipt information of the target payment account corresponding to each line of the report content, the account entry status corresponding to each line of the report content, wherein the account entry status is used to indicate whether the target payment account has received the resource of the target resource value;
[0091] In response to a query instruction for a return result, a transaction receipt is generated according to the report content that the exchange status is the exchanged status and the account entry status indicates that the resource has been received.
[0092] In a possible implementation, the transfer unit is further used for:
[0093] If the receiving account belongs to the target institution and is a personal account, resources of the second resource value are transferred to the receiving account from the resources of the first abnormal account stored in the transition account, and it is determined that the resource transfer belongs to a personal business type;
[0094] Alternatively, if the receiving account belongs to the target institution and is a public account, resources of the second resource value are transferred to the receiving account from the resources of the first abnormal account stored in the transition account, and it is determined that the resource transfer belongs to the public business type;
[0095] Alternatively, if the receiving account does not belong to the target institution, resources of the second resource value are transferred to the receiving account from the resources of the first abnormal account stored in the transition account, and it is determined that the resource transfer belongs to the cross-institutional business type.
[0096] In a possible implementation manner, the acquiring unit is further configured to:
[0097] In response to a deduction query instruction for querying a deduction list, according to a target date corresponding to the deduction query instruction, a to-be-written-off record with a deduction date of the target date is selected from the to-be-written-off records, the to-be-written-off record being a deduction business result corresponding to the institutional clearing center, and the to-be-written-off record is used to indicate that on the deduction date, resources with abnormal resource values in the abnormal account are deducted to the transition account, the transition account belongs to the institutional clearing center and is used to store the resources deducted from the abnormal account;
[0098] If it is determined based on the screening that there is a pending write-off record whose deduction date is the target date, the pending write-off record whose deduction date is the target date obtained through the screening is determined as the resource deduction record;
[0099] After obtaining the resource deduction record, display the return list upload control;
[0100] In response to a return list upload operation performed by the return list upload control, a return list corresponding to the return list upload operation is obtained as the resource return service list.
[0101] In one possible implementation, the resource deduction record comes from the deduction business of an institutional clearing center, the transition account belongs to the institutional clearing center, and the resource return business list comes from the return business with a status of approved in the judicial investigation and control system corresponding to the institutional clearing center. The judicial investigation and control system is used to receive the list of pending returns sent by the illegal resource processing agency.
[0102] It can be seen from the above technical solution that the resource deduction record and the resource return business list are obtained, wherein the resource deduction record is used to indicate that the resources with the first resource value in the first abnormal account are deducted to the transition account, and the resources in the first abnormal account may refer to illegal resources, which need to be returned to the corresponding account. And the resource return business list is used to indicate that the resources with the second resource value in the second abnormal account are returned to the collection account, that is, the resource return business list indicates which abnormal accounts need to return resources to which collection accounts. Then, the resource deduction record can be compared with the resource return business list. If it is determined based on the comparison that the second abnormal account is consistent with the first abnormal account, it indicates that the resources need to be transferred from the first abnormal account to the collection account. Since the resources of the first abnormal account have been deducted to the transition account, the resources with the second resource value can be directly transferred from the resources of the first abnormal account stored in the transition account to the collection account. Based on this, the resources that need to be returned in the abnormal account can be automatically returned to the corresponding collection account. Compared with the manual return method used in related technologies, the use of this application is conducive to improving the processing efficiency of resource return business and can better meet the increasing demand for return business.
[0103] In another aspect, an embodiment of the present application provides a computer device, the computer device comprising a processor and a memory:
[0104] The memory is used to store program code and transmit the program code to the processor;
[0105] The processor is used to execute the resource transfer method provided in the above embodiment according to the instructions in the program code.
[0106] The computer device may include a terminal device or a server, and the aforementioned resource transfer apparatus may be configured in the computer device.
[0107] On the other hand, an embodiment of the present application further provides a storage medium, wherein the storage medium is used to store a computer program, and the computer program is used to execute the resource transfer method provided in the above embodiment.
[0108] In addition, an embodiment of the present application also provides a computer program product including instructions, which, when executed on a computer, enables the computer to execute the resource transfer method provided in the above embodiment.
[0109] A person of ordinary skill in the art can understand that: all or part of the steps of implementing the above-mentioned method embodiment can be completed by hardware related to program instructions, and the aforementioned program can be stored in a computer-readable storage medium. When the program is executed, it executes the steps of the above-mentioned method embodiment; and the aforementioned storage medium can be at least one of the following media: read-only memory (ROM), random access memory (RAM), magnetic disk or optical disk, etc., various media that can store program codes.
[0110] For the device embodiment, since it basically corresponds to the method embodiment, the relevant parts can refer to the partial description of the method embodiment. The device embodiment described above is only schematic, wherein the units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, they may be located in one place, or they may be distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the scheme of this embodiment. Ordinary technicians in this field can understand and implement it without paying creative work.
[0111] It should be noted that, in this article, relational terms such as "first" and "second", etc. (if any) are used only to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, the elements defined by the sentence "comprise a ..." do not exclude the presence of other identical elements in the process, method, article or device including the elements.
[0112] The above is a detailed introduction to a resource transfer method and related devices provided by the embodiment of the present application. The principle and implementation method of the present application are described in detail using specific examples. The description of the above embodiments is only used to help understand the method of the present application. At the same time, for those skilled in the art, according to the method of the present application, there will be changes in the specific implementation method and application scope.
[0113] In summary, the content of this specification should not be understood as limiting the present application, and any changes or substitutions that can be easily thought of by a person skilled in the art within the technical scope disclosed in this application should be included in the protection scope of this application. Moreover, based on the implementations provided in the above aspects, this application can also be further combined to provide more implementations.
Claims
1. A resource transfer method, characterized in that: The method comprises: Obtain a resource deduction record and a resource return business list, wherein the resource deduction record is used to indicate that resources with a first resource value in the first abnormal account are deducted to the transition account, and the resource return business list is used to indicate that resources with a second resource value in the second abnormal account are returned to the receiving account; Comparing the resource deduction record with the resource return service list; If it is determined based on the comparison that the second abnormal account is consistent with the first abnormal account, resources with the second resource value are transferred to the receiving account from the resources of the first abnormal account stored in the transition account.
2. The method according to claim 1, characterized in that If it is determined based on the comparison that the second abnormal account is consistent with the first abnormal account, transferring resources of the second resource value from the resources of the first abnormal account stored in the transition account to the receiving account includes: If it is determined based on the comparison that the second abnormal account is consistent with the first abnormal account, a resource return list is generated, wherein the resource return list is used to indicate the resources from the first abnormal account stored in the transition account to be transferred to the receiving account as the second resource value; In response to the exchange instruction, resource exchange is performed according to the resource return list to transfer resources with the second resource value from the resources from the first abnormal account stored in the transition account to the receiving account.
3. The method according to claim 2, characterized in that The method further comprises: In response to a return query instruction for querying a resource return list, a report of the resource return list corresponding to the return query instruction is displayed, in which each line of the report content is used to represent resources transferred from the resources of the target abnormal account to the target collection account as the target resource value, the target collection account is a collection account indicated in the resource return business list, the target abnormal account is a first abnormal account in the first abnormal account indicated in the resource deduction record, which is consistent with the second abnormal account corresponding to the target collection account indicated in the resource return business list, and the target resource value is the resource value indicated in the resource return business list that needs to be transferred to the target collection account; In response to a report upload instruction implemented for the report of the resource return list, sending a foreign exchange approval request to the foreign exchange review account, wherein the foreign exchange approval request is used to instruct the foreign exchange review account to approve the foreign exchange request of the report of the resource return list; If a message of approval of the exchange is received from the exchange review account, the exchange instruction trigger control is displayed; The step of performing resource exchange in response to the exchange instruction according to the resource return list to transfer resources of the second resource value from the resources from the first abnormal account stored in the transition account to the receiving account includes: In response to the exchange instruction implemented by the exchange instruction trigger control, a batch exchange of resources is performed according to the report of the resource return list to transfer resources with the target resource value from the resources from the target abnormal account stored in the transition account to the target collection account.
4. The method according to claim 3, characterized in that Before executing the batch exchange of resources, the exchange status corresponding to a resource transfer indicated by each line of the report content is a pending exchange status, and the method further includes: In the process of executing the batch exchange of resources, in response to completing a resource transfer indicated by each line of the report content, adjusting the exchange status corresponding to each line of the report content from the pending exchange status to the exchanged status; Determine, according to the payment receipt information of the target payment account corresponding to each line of the report content, the account entry status corresponding to each line of the report content, wherein the account entry status is used to indicate whether the target payment account has received the resource of the target resource value; In response to a query instruction for a return result, a transaction receipt is generated according to the report content that the exchange status is the exchanged status and the account entry status indicates that the resource has been received.
5. The method according to claim 1, characterized in that If the transition account belongs to the target institution, the resources of the first abnormal account stored in the transition account that are transferred to the receiving account as the second resource value include one of the following: If the receiving account belongs to the target institution and is a personal account, resources of the second resource value are transferred to the receiving account from the resources of the first abnormal account stored in the transition account, and it is determined that the resource transfer belongs to a personal business type; Alternatively, if the receiving account belongs to the target institution and is a public account, resources of the second resource value are transferred to the receiving account from the resources of the first abnormal account stored in the transition account, and it is determined that the resource transfer belongs to the public business type; Alternatively, if the receiving account does not belong to the target institution, resources of the second resource value are transferred to the receiving account from the resources of the first abnormal account stored in the transition account, and it is determined that the resource transfer belongs to the cross-institutional business type.
6. The method according to claim 1, characterized in that The obtaining of resource deduction records and resource return service lists includes: In response to a deduction query instruction for querying a deduction list, according to a target date corresponding to the deduction query instruction, a to-be-written-off record with a deduction date of the target date is selected from the to-be-written-off records, the to-be-written-off record being a deduction business result corresponding to the institutional clearing center, and the to-be-written-off record is used to indicate that on the deduction date, resources with abnormal resource values in the abnormal account are deducted to the transition account, the transition account belongs to the institutional clearing center and is used to store the resources deducted from the abnormal account; If it is determined based on the screening that there is a pending write-off record whose deduction date is the target date, the pending write-off record whose deduction date is the target date obtained through the screening is determined as the resource deduction record; After obtaining the resource deduction record, display the return list upload control; In response to a return list upload operation performed by the return list upload control, a return list corresponding to the return list upload operation is obtained as the resource return service list.
7. The method according to claim 1, characterized in that The resource deduction record comes from the deduction business of the institutional clearing center, the transition account belongs to the institutional clearing center, and the resource return business list comes from the return business with the status of approved in the judicial investigation and control system corresponding to the institutional clearing center. The judicial investigation and control system is used to receive the list of pending returns sent by the illegal resource processing agency.
8. A resource transfer device, characterized in that: The device comprises an acquisition unit, a comparison unit and a transfer unit: The acquisition unit is used to acquire a resource deduction record and a resource return service list, wherein the resource deduction record is used to indicate that resources with a first resource value in the first abnormal account are deducted to the transition account, and the resource return service list is used to indicate that resources with a second resource value in the second abnormal account are returned to the receiving account; The comparison unit is used to compare the resource deduction record with the resource return service list; The transfer unit is used to transfer resources of the second resource value from the resources of the first abnormal account stored in the transition account to the receiving account if it is determined based on the comparison that the second abnormal account is consistent with the first abnormal account.
9. A computer device, characterized in that: The computer device comprises a processor and a memory: The memory is used to store program code and transmit the program code to the processor; The processor is configured to execute the method according to any one of claims 1 to 7 according to the instructions in the program code.
10. A computer-readable storage medium, characterized in that: The computer-readable storage medium is used to store a computer program, and the computer program is used to execute the method according to any one of claims 1 to 7.