Generation method and device of telegraph text, equipment, storage medium and computer program product

Abstract

The invention discloses a telegraph text generation method and device, equipment, a storage medium and a computer program product, and relates to the technical field of communication, and the method comprises the steps: analyzing business data based on telegraph text specifications, and obtaining business elements of the business data; comparing the business elements with a preset filling rule base to obtain field assignment rules of the telegraph text; and carrying out message assembly on the service data through the field assignment rule to generate a target message of the service data. The target telegraph text of the service data is generated through the telegraph text specification and the field assignment rule, the generation efficiency of the SWIFT telegraph text is improved, and the telegraph text generation cost is reduced.

Description

Technical Field

[0001] The present application relates to the field of communication technology, and in particular to a method, device, equipment, storage medium and computer program product for generating a message. Background Art

[0002] With the in-depth development of cloud computing and the Internet, the digitalization and intelligent transformation of enterprises have been rapidly popularized. Enterprises are eager to use technology to replace manual operations, improve processing efficiency, and save labor costs. In the field of cross-border remittances, remittance message information is usually transmitted through SWIFT (Society for Worldwide Interbank Financial Telecommunication) to achieve fund settlement. The production of traditional cross-border remittance SWIFT messages mainly relies on manual production by professionals, which is costly and inefficient. At the same time, manual production also has the problem of high risks. How to achieve fast and efficient automatic production of remittance messages and greatly reduce labor costs has become an urgent problem that enterprises need to solve, and it is also urgent for customers to pursue a more convenient and efficient remittance experience.

[0003] The above contents are only used to assist in understanding the technical solution of the present application and do not constitute an admission that the above contents are prior art. Summary of the invention

[0004] The main purpose of this application is to provide a method, device, equipment, storage medium and computer program product for generating a message, aiming to solve the technical problem of low efficiency in generating SWIFT messages.

[0005] To achieve the above object, the present application proposes a method for generating a telegram, the method comprising:

[0006] Analyze the business data based on the message specification to obtain the business elements of the business data;

[0007] Compare the business elements with the preset filling rule library to obtain the field assignment rules of the electronic message;

[0008] The business data is assembled into a message using the field assignment rule to generate a target message of the business data.

[0009] In one embodiment, the step of comparing the business element with a preset filling rule library to obtain a field assignment rule for the electronic message includes:

[0010] The business elements are used as query conditions to compare and match in a preset filling rule library to obtain a query matching result;

[0011] According to the query matching result, a field assignment rule for generating an electronic message is determined.

[0012] In one embodiment, the step of performing electronic message assembly on the business data according to the field assignment rule to generate a target electronic message of the business data includes:

[0013] Build the message framework based on business elements;

[0014] Generate an element message corresponding to the business element through the field assignment rule;

[0015] The elemental telegrams of the business elements are assembled according to the telegram framework to generate a target telegram of the business data.

[0016] In one embodiment, the step of building a message framework according to the business elements includes:

[0017] Format business elements according to telegram specifications;

[0018] The message framework is constructed for the formatted business elements according to the message structure in the message specification to obtain the message framework of the business data.

[0019] In one embodiment, the method further comprises:

[0020] By performing sampling analysis on business data, sampling analysis results are obtained;

[0021] According to the sampling analysis results, the preset filling rule library is updated.

[0022] In one embodiment, the method further comprises:

[0023] Performing a text check on the target text to obtain a text check result of the target text.

[0024] In addition, to achieve the above-mentioned purpose, the present application also proposes a device for generating a telegram, wherein the device for generating a telegram comprises:

[0025] An element extraction module, used to analyze business data based on the electronic message specification to obtain business elements of the business data;

[0026] A rule generation module, used to compare the business elements with a preset filling rule library to obtain the field assignment rules of the electronic message;

[0027] The electronic message generation module is used to assemble the business data into electronic messages according to the field assignment rules to generate a target electronic message of the business data.

[0028] In addition, to achieve the above-mentioned purpose, the present application also proposes a device for generating an electronic message, which includes: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the method for generating an electronic message as described above.

[0029] In addition, to achieve the above-mentioned purpose, the present application also proposes a storage medium, which is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by the processor, the steps of the method for generating the electronic message as described above are implemented.

[0030] In addition, to achieve the above-mentioned purpose, the present application also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, the steps of the method for generating an electronic message as described above are implemented.

[0031] One or more technical solutions proposed in this application have at least the following technical effects:

[0032] The embodiment of the present application proposes a method, device, equipment, storage medium and computer program product for generating a telegram, which analyzes business data based on the telegram specification to obtain the business elements of the business data; compares the business elements with a preset filling rule library to obtain the field assignment rules of the telegram; and assembles the business data into telegrams according to the field assignment rules to generate a target telegram of the business data. The present application generates a target telegram of business data through telegram specifications and field assignment rules, thereby improving the generation efficiency of SWIFT telegrams and reducing the cost of telegram generation. BRIEF DESCRIPTION OF THE DRAWINGS

[0033] 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.

[0034] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, for ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0035] Figure 1 A flowchart of the first embodiment of the method for generating a message of the present application is provided;

[0036] Figure 2 An example diagram of an interface for obtaining business data provided in Embodiment 1 of the method for generating an electronic message of the present application;

[0037] Figure 3This is a configuration example diagram of filling in the rule base provided in Example 1 of the present application;

[0038] Figure 4 This is an example diagram of stored business data provided in Example 1 of the present application;

[0039] Figure 5 A flowchart of generating a message for a cross-border remittance service provided in an embodiment of the present application;

[0040] Figure 6 This is a schematic diagram of the module structure of the device for generating an electronic message according to an embodiment of the present application;

[0041] Figure 7 A schematic diagram of the device structure of the hardware operating environment involved in the method for generating an electronic message in an embodiment of the present application.

[0042] The purpose, features and advantages of this application will be further described in conjunction with the embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0043] It should be understood that the specific embodiments described herein are only used to explain the technical solutions of the present application and are not used to limit the present application.

[0044] In order to better understand the technical solution of the present application, a detailed description will be given below in conjunction with the accompanying drawings and specific implementation methods.

[0045] The main solution of the embodiment of the present application is: analyze business data based on telegram specifications to obtain business elements of the business data; compare the business elements with a preset filling rule library to obtain field assignment rules of the telegram; assemble the business data into telegrams according to the field assignment rules to generate a target telegram of the business data.

[0046] In this embodiment, for the convenience of description, the following description is made by taking the generation device of the identification electronic message as the execution subject.

[0047] With the in-depth development of cloud computing and the Internet, the digitalization and intelligent transformation of enterprises have been rapidly popularized. Enterprises are eager to use technology to replace manual operations, improve processing efficiency, and save labor costs. In the field of cross-border remittances, remittance message information is usually transmitted through SWIFT (Society for Worldwide Interbank Financial Telecommunication) to achieve fund settlement. The production of traditional cross-border remittance SWIFT messages mainly relies on manual production by professionals, which is costly and inefficient. At the same time, manual production also has the problem of high risks. How to achieve fast and efficient automatic production of remittance messages and greatly reduce labor costs has become an urgent problem that enterprises need to solve, and it is also urgent for customers to pursue a more convenient and efficient remittance experience.

[0048] This application generates target messages of business data through message specifications and field assignment rules, thereby improving the generation efficiency of SWIFT messages and reducing the cost of message generation.

[0049] It should be noted that the execution subject of this embodiment may be a computing service device with data processing, network communication and program running functions, such as a tablet computer, a personal computer, a mobile phone, etc., or an electronic device capable of realizing the above functions, a telegram generating device, etc. The following takes a telegram generating device as an example to illustrate this embodiment and the following embodiments.

[0050] Based on this, the present application embodiment provides a method for generating a message, referring to Figure 1 , Figure 1 This is a flow chart of the first embodiment of the method for generating an electronic message of the present application.

[0051] In this embodiment, the method for generating the electronic message includes steps S10 to S30:

[0052] Step S10, analyzing the business data based on the electronic message specification to obtain the business elements of the business data.

[0053] It should be noted that the message specifications refer to the SWIFT (Society for Worldwide Interbank Financial Telecommunication) message standard specifications, which mainly include the following aspects: the basic structure of SWIFT messages, the format classification of SWIFT messages, the format numbering of SWIFT messages, the encryption and security of SWIFT messages, the sending and receiving of SWIFT messages, etc.

[0054] Furthermore, the basic structure of a SWIFT message usually consists of three parts: a header block, a text block, and a trailer block. The header contains basic information such as the sending bank and the receiving bank, the text block is the specific content of the message, and the trailer is used to mark the end of the message. The format classification of SWIFT messages is divided into ten categories based on the actual operation of banks, including customer remittances and checks (such as MT101, MT103, MT110, etc.), bank position transfers (such as MT200, MT201, etc.), foreign exchange trading, money market and derivatives (such as MT300, MT305, etc.), collection (such as MT400, MT410, MT412, etc.), securities business, syndicated loans and precious metals business, documentary credits and guarantees (such as MT700 / 701, MT705, MT707, etc., among which MT700 is used to open documentary credits and MT707 is used to modify documentary credits), traveler's checks, bank and customer accounts (such as MT900, MT910, etc.), SWIFT system messages (category 0), etc. The format number of SWIFT messages means that each SWIFT message has its own specific message format number, such as MT100, MT200, MT300, etc. These numbers are used to distinguish different types of messages and help banks and financial institutions quickly identify and process them. The encryption and security of SWIFT messages refers to the use of encryption technology in the transmission process of SWIFT messages to ensure the security and integrity of the messages. The sending and receiving of SWIFT messages refers to the sending and receiving of SWIFT messages, which are usually carried out through the SWIFT network. Each bank that applies to join the SWIFT organization must first formulate its own SWIFT address code in accordance with the unified principles of the SWIFT organization, and it will officially take effect after approval by the SWIFT organization. The SWIFT address code consists of four parts: bank code, country code, region code and branch code, and is used to uniquely identify a bank and its branches.

[0055] In addition, it should be noted that the business data refers to the relevant data of cross-border business submitted by users obtained through different channels. The different channels may be mobile banking, corporate online banking, counters and other channels.

[0056] In addition, it should be noted that the business elements refer to the key information fields that need to be organized and used when generating SWIFT messages. Business elements include but are not limited to country (the country where the payee is located), branch (bank branch information involved in cross-border transactions), beneficiary bank (bank responsible for processing the collection), agent bank (bank as an intermediary in cross-border transactions, helping to complete the transfer of funds between banks in different countries), clearing number (bank's unique identification number registered with the American Bankers Association (ABA)), payee account number (payee's bank account number, used to ensure that funds can be correctly transferred to the payee's account), etc.

[0057] Specifically, business data is received from different channels (such as mobile banking, corporate online banking, counters, etc.), and the key information in these applications, such as country, branch, beneficiary bank, agent bank, clearing number, beneficiary account number, etc., is sorted and formatted in accordance with SWIFT message specifications, and the sorted key information is used as the business elements of the business data.

[0058] More specifically, on the interface for obtaining user business data, the device provides an intelligent auxiliary filling function to guide customers to fill in the remittance elements in a standardized manner, and promptly prompts and guides customers when the information filled in by the customer is incomplete or incorrect. In one embodiment of the present application, the user performs cross-border remittance business operations on the mobile banking interface. For a better understanding, please refer to Figure 2 , Figure 2 This is a sample diagram of the interface for obtaining business data provided in Example 1 of the present application, and the transaction type is submitting an overseas remittance. Figure 2 The recipient's location in the "receiver's address" field indicates the recipient's country or region, for example, the recipient is located in the United States (UNITED STATES OF AMERICA); the address field is the recipient's detailed address, including street, city and country, written in English; the country / region in the recipient's bank information refers to the country or region where the recipient's bank is located. Figure 2 The receiving bank is also located in the United States (UNITED STATES OF AMERICA); the bank's SWIFT code (Society for Worldwide Interbank Financial Telecommunication) is a code used for international interbank communications. Figure 2In the SWIFT code, CITIHKHXXX means Citibank, Hong Kong Branch. Since the receiving bank needs to be in the United States, there is an error message, indicating that the country / region of the SWIFT code does not match the country / region of the receiving bank. You need to re-enter the correct SWIFT code. The ABA / FW clearing number refers to the unique identification number registered by the bank with the American Bankers Association (ABA). This number is assigned by the ABA to each bank participating in the Federal Reserve's automated clearing system for identification and verification of the bank's identity. Figure 2 The ABA / FW clearing number is 026009593; the bank name and address refers to the name and address of the receiving bank. Figure 2 In the example, the bank name is BANK OF AMERICA, NAN EW YORK, NY, and the address is NEW YORK, NY. The city is the city where the receiving bank is located. Figure 2 In the example, the city is NEW YORK, NY; the bank supplementary information is optional. It is an optional field where you can fill in additional information such as the bank branch name, branch number, detailed address, etc. to help ensure that the remittance can arrive accurately.

[0059] Step S20, comparing the business elements with a preset filling rule library to obtain the field assignment rules of the electronic message.

[0060] It should be noted that the preset filling rule library refers to a series of predefined rules and logics, which are used to automatically process and generate SWIFT messages based on the business data submitted by the user, and store a large number of processing rules for different business scenarios and requirements. These rules are based on the SWIFT message specifications and the internal policies of financial institutions. According to the sorted business elements (such as country, branch, receiving bank, agent bank, clearing number, receiving account number, etc.) as query conditions to match the corresponding rules in the automated rule library, by matching business elements and rules in the rule library, the system can automatically determine how to process each transaction and generate corresponding processing results. The preset filling rule library includes field assignment rules.

[0061] More specifically, some of the preset filling rule base configurations can be selected as fully automatic, semi-automatic, or manual, and support configuration by currency, recipient bank country, recipient bank SWIFT, recipient bank name and address, amount, handling channel, etc. Figure 3 As shown, it is a configuration example diagram of filling in the rule base provided in the first embodiment of the present application. Figure 3In the text, automatic marking refers to the configuration method of filling in the rule base, which includes full automatic, semi-automatic and manual configuration. Full automatic means that the filling in rules of the message generation process are all completed by the device, semi-automatic means that the filling in rules of the message generation process are completed by the device, and after completion, they are manually reviewed and confirmed, and manual configuration means that the configuration of the rule base is filled in manually; the name and address of the agent bank of the beneficiary bank refers to the name and address of the beneficiary bank; the beneficiary bank SWIFT is the code used by the beneficiary bank for international inter-bank communication; the beneficiary bank country refers to the country to which the beneficiary bank belongs, such as the United States US, and non-US-US is not limited; the minimum amount refers to the minimum transaction amount of the business, such as 0.00; the 56th field assignment rule refers to the assignment rule of the agent bank of the beneficiary bank; the 57th field assignment rule It refers to the SWIFT value assignment rules of the beneficiary bank; the 70 field value assignment rules refer to the business remarks value assignment rules; the 72 field value assignment rules refer to the supplementary information value assignment rules of the beneficiary bank; the currency refers to the type of currency of the transaction; the country of the beneficiary bank's correspondent bank refers to the country to which the correspondent bank belongs; the name and address of the beneficiary bank refers to the name and address of the beneficiary bank; whether the clearing number matches refers to whether the clearing number matches the beneficiary bank information; the maximum amount refers to the maximum amount that can be involved in the transaction; the SWIFT of the beneficiary bank's correspondent bank refers to the code used by the correspondent bank for international interbank communications; the account number of the beneficiary bank's correspondent bank refers to the account number of the transaction recipient at the correspondent bank; the supplementary information of the beneficiary bank is used to provide additional information about the beneficiary bank, which may include branch name, branch number, detailed address and other information. This field can help ensure that the remittance can reach the designated branch or beneficiary bank accurately; whether the account bank value date matches refers to whether the value date of the remittance (i.e. the date when the remittance is initiated) matches the value date recorded by the account bank (i.e. the beneficiary's bank); the channel refers to the channel for obtaining transaction data.

[0062] In addition, it should be noted that the field assignment rules refer to the rules used to determine how specific fields (called "fields") in SWIFT messages should be filled in. These rules are generated based on business elements and logic in the automation rule base. In SWIFT messages, each field has a specific format and purpose, which together constitute the structure of the message. In one embodiment of the present application, the field assignment rules include but are not limited to the assignment rules of "fields" such as field 56, field 57, field 70, field 72, etc. Field 56 is used to provide the correspondent bank information of the beneficiary bank. The assignment rules will determine which transactions need to go through the correspondent bank, as well as the specific information of the correspondent bank (such as name, address, SWIFT code, etc.); field 57 provides the SWIFT code of the beneficiary bank. The assignment rules will determine the correct SWIFT code based on the information of the beneficiary bank; field 70 contains detailed instructions for the remittance, which is usually used to provide additional information to the beneficiary, such as the purpose of the transaction or reference number. The assignment rules will fill in this field based on the remarks or instructions in the remittance application; field 72 provides supplementary information from the remitter to the beneficiary. The assignment rules determine what additional information needs to be included in the message based on business factors and internal policies.

[0063] Specifically, the business elements are used as query conditions to be compared and matched in the preset filling rule library to obtain query matching results; based on the query matching results, the field assignment rules for generating the message are determined. The extracted business elements are combined and used as query conditions to be queried in the preset filling rule library, and the constructed query conditions are searched and compared in the preset filling rule library to obtain query matching results, and the filling rules that completely match the query conditions or have the highest matching degree are searched out as the field assignment rules of the message, which are used to determine how to fill in the SWIFT message according to the business elements.

[0064] Step S30, assembling the business data into electronic messages according to the field assignment rule to generate a target electronic message of the business data.

[0065] It should be noted that the target message is a financial communication message generated according to the standard format and specifications specified by the SWIFT organization based on the cross-border transaction data submitted by the customer. This message is generated through automated system processing and is used to transmit remittance instructions and other financial transaction information between financial institutions.

[0066] Specifically, a message framework is constructed according to business elements; element messages corresponding to business elements are generated through the field assignment rules; element messages of business elements are assembled according to the message framework to generate target messages of business data.

[0067] Through the above scheme, this embodiment improves the generation efficiency of SWIFT messages and reduces the cost of message generation by generating target messages of business data according to message specifications and field assignment rules.

[0068] Based on the above implementation scheme, in a feasible implementation scheme, the comparing the business elements with the preset filling rule library to obtain the field assignment rules of the electronic message includes steps S21 to S22:

[0069] Step S21, comparing and matching the business elements as query conditions in a preset filling rule library to obtain a query matching result.

[0070] Specifically, the extracted business elements are combined and used as query conditions to query in a preset filling rule library, and the constructed query conditions are searched, compared and matched in the preset filling rule library to obtain query matching results.

[0071] Step S22, determining the field assignment rule for generating the electronic message according to the query matching result.

[0072] Specifically, the filling rule that completely matches the query conditions or has the highest matching degree is searched out as the field assignment rule of the message, which is used to determine how to fill in and generate the SWIFT message according to the business elements.

[0073] Based on the above implementation scheme, in a feasible implementation manner, the process of assembling the service data by the field assignment rule to generate the target service data includes steps S31 to S33:

[0074] Step S31, building a message framework based on business elements.

[0075] It should be noted that the message framework refers to a structured template designed for constructing and transmitting a specific type of message, such as a financial transaction message, which is mainly determined according to the business type to which the business data belongs.

[0076] Specifically, first determine all necessary business elements, such as remittance amount, payee information, payee information, remittance purpose, agent bank information, etc.; then determine the corresponding SWIFT message format and message framework according to the business type of the business data; in the selected SWIFT message framework, reserve corresponding field positions for each business element. In one embodiment of the present application, for MT103 messages, the framework may include (20: remittance date, 23B: remittance currency and amount, 50: payee information, 52A: payee information, 57A: beneficiary bank information, 59: beneficiary information, 70: remittance remarks, etc.).

[0077] Step S32, generating an element message corresponding to the business element through the field assignment rule.

[0078] It should be noted that the element message refers to a data unit containing specific information generated according to business elements and field assignment rules. It is intermediate data that converts business elements into a format and content that meets the requirements of the message framework.

[0079] Specifically, the specific field value of each business element that should be converted into a SWIFT message is parsed according to the field assignment rule, the value of the business element is converted and formatted according to the SWIFT standard format, and the formatted element value is filled into the corresponding SWIFT message field to form an element message. In one embodiment of the present application, for field 57A (beneficiary bank information), assuming that the field assignment rule requires the provision of the SWIFT BIC code and account information of the beneficiary bank, the generated element message may be in the format of "SWIFT BIC code + account information".

[0080] Step S33, assembling the elemental telegrams of the business elements according to the telegram framework to generate a target telegram of the business data.

[0081] Specifically, the element messages of each business element are assembled according to the order and structure of the SWIFT message framework; during the assembly process, necessary checks and verifications are performed to ensure that the value of each field complies with SWIFT standards and business requirements; after the assembly and verification are completed, the final SWIFT target message is generated.

[0082] Based on the above implementation scheme, in a feasible implementation scheme, the step of building a message framework according to business elements includes steps S311 to S312:

[0083] Step S311, formatting the business elements according to the message specification.

[0084] Specifically, according to the SWIFT message specifications, the business elements are converted into a format that meets the requirements. For example, the transaction amount is converted into the specified currency format, and the date is converted into the date format recognized by SWIFT (usually YYYYMMDD format); for business elements that need to be encrypted or sealed, they are processed according to SWIFT's encryption rules. The formatted business elements are verified to ensure the accuracy and integrity of the data. This can be achieved by comparing the field definitions and length limits in the SWIFT message specifications.

[0085] Step S312, constructing a message framework for the formatted business elements according to the message structure in the message specification to obtain a message framework for the business data.

[0086] Specifically, first determine the business type based on the business elements, select the appropriate message type, and build a message framework corresponding to the business data based on the message structure of the selected message type.

[0087] Based on the above implementation, in a feasible implementation, the method further includes steps S40 to S50:

[0088] Step S40, obtaining sampling analysis results by sampling and analyzing the business data.

[0089] Specifically, samples are extracted from the business data, statistical analysis is performed on the extracted sample data, error information in the transaction process recorded in the business data is analyzed, sampling analysis results are obtained, and the rules that need to be updated in the preset filling rule library are determined. Example 1 of the present application provides an example diagram of business data stored in a database, Figure 4 The serial number refers to the serial number of the business data in the database; channel refers to the channel for obtaining business data, WEB refers to Yitong, ICO refers to corporate online banking, and DSK refers to the counter; automatic labeling refers to the configuration type of filling in the database that matches the channel generated by the business data, which includes fully automatic, manual and semi-automatic; error information refers to the error information that occurs during the customer transaction process and is recorded in the database. The message number refers to the number that uniquely identifies the transaction generated after the transaction is completed; the docking time refers to the time when the transaction is completed; the currency refers to the currency used in the transaction process, and USD is the US dollar.

[0090] Step S50: updating the preset filling rule library according to the sampling analysis result.

[0091] Specifically, the data generation rules in the preset filling database are modified or added according to the recorded error information. Necessary verification and testing are performed on the updated filling rule library to ensure its accuracy and effectiveness; some business data can be used for simulated filling and verification to check the application effect of the new rules.

[0092] Based on the above implementation, in a feasible implementation, the method further includes step S60:

[0093] Step S60, performing a message verification on the target message to obtain a message verification result of the target message.

[0094] Specifically, after the target message is generated, the target message is verified based on the SWIFT message standard rules. The verification content includes but is not limited to format correctness (ensuring that each field of the message complies with the SWIFT format requirements), required field completeness (checking whether all necessary fields have been filled in), logical consistency (ensuring that the information in the message is logically consistent, such as amount, currency, etc.), and compliance (ensuring that the content of the message complies with relevant laws and regulations and bank policies). According to the verification result of the message, the target message is subsequently processed. When the target message passes the verification, the device will automatically save the message to the database. According to the target message, the original format message and the printed format message can be generated. The original format message is the original format of the SWIFT message, which contains all necessary business elements, such as remitter and beneficiary information, amount, currency, remittance instructions, etc., which are arranged in a specific format according to the SWIFT message specification; the printed format message is a message format designed for easy printing and manual reading. It converts the original format message into a format that is easier to read, usually including information such as branch, branch number, beneficiary bank, agent bank, clearing number, beneficiary account number, etc. When the target message passes the verification every day, the reasons for failure are analyzed, solutions are obtained, and the reasons for failure and solutions are provided to users.

[0095] For better understanding, please refer to Figure 5 , Figure 5 A flowchart of generating telegrams for cross-border remittance services provided in an embodiment of the present application. The customer initiates a remittance and fills in the information according to the auxiliary filling prompts in the interface. After filling in the information, the device will verify whether the filled-in content complies with the specifications. If not, a prompt will be issued to the customer, and the customer will make modifications according to the prompt; if the verification content is in compliance with the specifications, the remittance data will be submitted to the background, the business elements in the remittance business will be extracted, and the business elements will be matched with the automation rules, which are the field filling rules. According to the preset configuration rules of the filling database, it is determined whether the telegram is automatically generated. If so, the telegram is automatically produced according to the field filling rules. After the automatic production, it is determined whether manual review is required. After the review is passed, the process ends; if it is not automatically generated, the telegram is manually produced, and the process ends after the production is completed.

[0096] It should be noted that the above examples are only used to understand the present application and do not constitute a limitation on the method for generating the electronic message of the present application. More simple transformations based on this technical concept are all within the scope of protection of the present application.

[0097] This application also provides a device for generating a message, please refer to Figure 6 , the electronic message generating device comprises:

[0098] An element extraction module 601 is used to analyze the business data based on the electronic message specification to obtain the business elements of the business data;

[0099] A rule generation module 602 is used to compare the business elements with a preset filling rule library to obtain a field assignment rule for the electronic message;

[0100] The message generation module 603 is used to perform message assembly on the business data according to the field assignment rule to generate a target message of the business data.

[0101] The message generation device provided in the present application adopts the message generation method in the above embodiment, which can solve the technical problem of low efficiency of SWIFT message generation. Compared with the prior art, the beneficial effects of the message generation device provided in the present application are the same as the beneficial effects of the message generation method provided in the above embodiment, and other technical features in the message generation device are the same as the features disclosed in the above embodiment method, which will not be described in detail here.

[0102] The present application provides a device for generating an electronic message, the device comprising: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the method for generating the electronic message in the above-mentioned embodiment one.

[0103] Reference below Figure 7 , which shows a schematic diagram of the structure of a device for generating a message suitable for implementing an embodiment of the present application. The device for generating a message in the embodiment of the present application may include but is not limited to mobile terminals such as mobile phones, laptop computers, digital broadcast receivers, PDAs (Personal Digital Assistants), PADs (Portable Application Descriptions), PMPs (Portable Media Players), vehicle-mounted terminals (such as vehicle-mounted navigation terminals), etc., and fixed terminals such as digital TVs, desktop computers, etc. Figure 7 The device for generating the telegram shown is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0104] like Figure 7As shown, the electronic message generating device may include a processing device 1001 (e.g., a central processing unit, a graphics processor, etc.), which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM: Read Only Memory) 1002 or a program loaded from a storage device 1003 to a random access memory (RAM: Random Access Memory) 1004. In RAM1004, various programs and data required for the operation of the electronic message generating device are also stored. The processing device 1001, ROM1002, and RAM1004 are connected to each other through a bus 1005. An input / output (I / O) interface 1006 is also connected to the bus. Generally, the following systems can be connected to the I / O interface 1006: an input device 1007 including, for example, a touch screen, a touch pad, a keyboard, a mouse, an image sensor, a microphone, an accelerometer, a gyroscope, etc.; an output device 1008 including, for example, a liquid crystal display (LCD: Liquid Crystal Display), a speaker, a vibrator, etc.; a storage device 1003 including, for example, a magnetic tape, a hard disk, etc.; and a communication device 1009. The communication device 1009 can allow the message generation device to communicate with other devices wirelessly or by wire to exchange data. Although the figure shows a message generation device with various systems, it should be understood that it is not required to implement or have all the systems shown. More or fewer systems can be implemented or provided instead.

[0105] In particular, according to the embodiments disclosed in the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present application include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication device, or installed from a storage device 1003, or installed from a ROM 1002. When the computer program is executed by the processing device 1001, the above-mentioned functions defined in the method of the embodiment disclosed in the present application are executed.

[0106] The message generation device provided by the present application adopts the message generation method in the above embodiment, which can solve the technical problem of low efficiency of SWIFT message generation. Compared with the prior art, the beneficial effects of the message generation device provided by the present application are the same as the beneficial effects of the message generation method provided by the above embodiment, and other technical features in the message generation device are the same as the features disclosed in the method of the previous embodiment, which will not be repeated here.

[0107] It should be understood that the various parts disclosed in this application can be implemented by hardware, software, firmware or a combination thereof. In the description of the above embodiments, specific features, structures, materials or characteristics can be combined in any one or more embodiments or examples in a suitable manner.

[0108] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art who is familiar with the present technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

[0109] The present application provides a computer-readable storage medium having computer-readable program instructions (ie, computer programs) stored thereon, and the computer-readable program instructions are used to execute the method for generating an electronic message in the above-mentioned embodiment.

[0110] The computer-readable storage medium provided in the present application may be, for example, a USB flash drive, but is not limited to electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, systems or devices, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In this embodiment, the computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, system or device. The program code contained on the computer-readable storage medium may be transmitted using any appropriate medium, including but not limited to: wires, optical cables, RF (Radio Frequency), etc., or any suitable combination of the above.

[0111] The computer-readable storage medium may be included in the device for generating the electronic message; or may exist independently without being assembled into the device for generating the electronic message.

[0112] The above-mentioned computer-readable storage medium carries one or more programs. When the above-mentioned one or more programs are executed by the telegram generating device, the telegram generating device enables the following to: analyze the business data based on the telegram specification to obtain the business elements of the business data; compare the business elements with the preset filling rule library to obtain the field assignment rules of the telegram; and assemble the business data into telegrams according to the field assignment rules to generate the target telegram of the business data.

[0113] Computer program code for performing the operations of the present application may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0114] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present application. In this regard, each square box in the flow chart or block diagram can represent a module, a program segment or a part of a code, and the module, the program segment or a part of the code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the square box can also occur in a sequence different from that marked in the accompanying drawings. For example, two square boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each square box in the block diagram and / or flow chart, and the combination of the square boxes in the block diagram and / or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0115] The modules involved in the embodiments described in this application may be implemented by software or hardware, wherein the name of the module does not constitute a limitation on the unit itself in some cases.

[0116] The readable storage medium provided in the present application is a computer-readable storage medium, which stores computer-readable program instructions (i.e., computer programs) for executing the above-mentioned method for generating the message, and can solve the technical problem of low efficiency in generating SWIFT messages. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided in the present application are the same as those of the method for generating the message provided in the above-mentioned embodiment, and will not be described in detail here.

[0117] The present application also provides a computer program product, including a computer program, which implements the steps of the above-mentioned method for generating an electronic message when executed by a processor.

[0118] The computer program product provided by the present application can solve the technical problem of low efficiency in generating SWIFT messages. Compared with the prior art, the beneficial effects of the computer program product provided by the present application are the same as those of the method for generating messages provided by the above-mentioned embodiment, and will not be described in detail here.

[0119] The above descriptions are only some embodiments of the present application, and are not intended to limit the patent scope of the present application. All equivalent structural changes made using the contents of the present application specification and drawings under the technical concept of the present application, or direct / indirect applications in other related technical fields are included in the patent protection scope of the present application.

Claims

1. A method for generating an electronic message, characterized in that: The method comprises: Analyze the business data based on the message specification to obtain the business elements of the business data; Compare the business elements with the preset filling rule library to obtain the field assignment rules of the electronic message; The business data is assembled into a message using the field assignment rule to generate a target message of the business data.

2. The method according to claim 1, characterized in that The step of comparing the business elements with a preset filling rule library to obtain the field assignment rules of the electronic message includes: The business elements are used as query conditions to compare and match in a preset filling rule library to obtain a query matching result; According to the query matching result, a field assignment rule for generating an electronic message is determined.

3. The method according to claim 1, characterized in that The step of assembling the service data by the field assignment rule to generate a target message of the service data comprises: Build the message framework based on business elements; Generate an element message corresponding to the business element through the field assignment rule; The elemental telegrams of the business elements are assembled according to the telegram framework to generate a target telegram of the business data.

4. The method according to claim 3, characterized in that The steps of building a message framework according to business elements include: Format business elements according to telegram specifications; The message framework is constructed for the formatted business elements according to the message structure in the message specification to obtain the message framework of the business data.

5. The method according to claim 1, characterized in that The method further comprises: By performing sampling analysis on business data, sampling analysis results are obtained; According to the sampling analysis results, the preset filling rule library is updated.

6. The method according to claim 1, characterized in that The method further comprises: Performing a text check on the target text to obtain a text check result of the target text.

7. A device for generating an electronic message, characterized in that: The device comprises: An element extraction module, used to analyze business data based on the electronic message specification to obtain business elements of the business data; A rule generation module, used to compare the business elements with a preset filling rule library to obtain the field assignment rules of the electronic message; The electronic message generation module is used to assemble the business data into electronic messages according to the field assignment rules to generate a target electronic message of the business data.

8. A device for generating an electronic message, characterized in that: The device comprises: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the method for generating an electronic message according to any one of claims 1 to 6.

9. A storage medium, characterized in that: The storage medium is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by a processor, the steps of the method for generating an electronic message according to any one of claims 1 to 6 are implemented.

10. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the steps of the method for generating a telegram according to any one of claims 1 to 6 are implemented.

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