A method for automatically processing commercial bank payment bank number information

Abstract

The present invention discloses an automated processing method for the collection bank number information of a commercial bank, the processing method comprising: performing data collection to obtain initial data; performing data cleaning operations on the initial data to obtain cleaned data; matching the collected account information with the bank's account information; performing data processing to obtain processed data; storing the processed data; performing business processing to generate transaction records and store them in a database; feeding back transaction results to customers; and processing abnormal messages. The processing efficiency is improved, the cost is reduced, the accuracy is improved, and information sharing is realized.

Description

Technical Field

[0001] The present invention relates to the field of bank information processing, and in particular to a method for automatically processing commercial bank payment collection bank number information. Background Art

[0002] The bank number information processing module obtains the bank number and bank name corresponding to all banks from the People's Bank of China on a regular basis every day as a basis for data reference, to ensure that the inter-bank system can accurately transfer the transferred funds to the designated receiving bank account through the bank payment system in real time when conducting fund transactions; currently, when processing fund payment business, each bank mainly accurately matches the specific receiving bank through the payee's bank or number, matches the specific receiving bank according to the corresponding bank name and bank number information, and makes an overall judgment on the validity of the data according to the activation status of the receiving bank; or manually selects the corresponding receiving bank through manual intervention, or establishes a system payment whitelist through each business system to handle business. Of course, at present, when conducting business processing, it mainly relies on the basic information such as bank number and bank name synchronized from the People's Bank of China as the main reference basis, and has not used this information to form a more efficient and intelligent bank number automatic processing module.

[0003] At present, when banks handle inter-bank fund account transactions, they mainly use manual offline processing to implement daily inter-bank fund processing and complete the entry of the corresponding beneficiary bank number information. At present, technically, the relevant data system is not comprehensive enough and is not combined with the application of intelligent scenarios. Therefore, commercial bank tellers need to manually enter and select bank number information.

[0004] By analyzing the current inter-bank payment scenarios handled by banks, we can find that currently, when commercial banks process inter-bank funds (the bank number of the receiving bank is an information that the bank must supplement in the payment scenario), they mainly complete the bank number information of the receiving bank through branch tellers or unified departments to intervene in the filling of relevant information. When processing business, it is often necessary to reserve a period of time to process business. When dealing with such problems, if the information entered is incorrect due to human error, it will reduce the accuracy and timeliness of data processing, affect the payment efficiency of funds, and cause the failure of fund payment. Therefore, we should think about this problem from the perspective of the customer, and think about it from the efficiency and accuracy of fund payment, so as to provide customers with efficient financial payment experience and feelings, thereby enhancing the reputation of commercial banks. Summary of the invention

[0005] In view of the above problems, the present invention is proposed to provide a method for automatically processing the collection bank number information of a commercial bank, which overcomes the above problems or at least partially solves the above problems.

[0006] According to one aspect of the present invention, a method for automatically processing the bank number information of a commercial bank receiving payment is provided, the processing method comprising:

[0007] Conduct data collection and obtain initial data;

[0008] Performing a data cleaning operation on the initial data to obtain cleaned data;

[0009] Match the collected account information with the bank's account information;

[0010] Perform data processing to obtain processed data;

[0011] storing the processed data;

[0012] Business processing, generating transaction records and storing them in the database;

[0013] Provide transaction results to clients;

[0014] Handle the exception message.

[0015] Optionally, the data collection and acquisition of initial data specifically include: the commercial bank integrates the current in-house system to obtain corresponding account information, and collects data through a network connection or an API interface.

[0016] Optionally, performing a data cleaning operation on the initial data to obtain cleaned data specifically includes: the commercial bank cleans the collected account information, removes duplicate data, and formats the data.

[0017] Optionally, matching the collected account information with the bank's account information specifically includes:

[0018] The commercial bank will match the collected account information with its own account information;

[0019] When processing data, the queried banking institution information is matched with other information entered by the customer to ensure consistency.

[0020] Optionally, the data processing to obtain processed data specifically includes: the commercial bank processes the successfully matched account information and verifies the validity of the corresponding account.

[0021] Optionally, storing the processed data specifically includes: the commercial bank stores the processed data in a database for subsequent call and comparison processing during business development.

[0022] Optionally, the business processing, generating transaction records, and storing them in a database specifically includes:

[0023] When making fund transfers, after confirming that the bank number is correct and the information matches, the system automatically performs the fund transfer operation;

[0024] Generate transaction records, including transaction time, amount, bank number, and payee account information, and store them in the database.

[0025] Optionally, the feeding back of transaction results to the customer specifically includes: the system feeding back the transaction results to the customer, including success, failure or further confirmation information.

[0026] Optionally, the processing of the abnormal message specifically includes:

[0027] Error handling: If an error is found during data verification, matching or business processing, the system will automatically handle the error, prompt an error message, or reject the transaction;

[0028] Manual intervention: For some abnormal situations that cannot be handled automatically, the system triggers the manual intervention process, which is further handled by bank staff.

[0029] The present invention provides a method for automatically processing the bank number information of a commercial bank, the method comprising: collecting data to obtain initial data; performing data cleaning operations on the initial data to obtain cleaned data; matching the collected account information with the bank's account information; performing data processing to obtain processed data; storing the processed data; processing business to generate transaction records and store them in a database; feeding back transaction results to customers; and processing abnormal messages. The method improves processing efficiency, reduces costs, improves accuracy, and realizes information sharing.

[0030] The above description is only an overview of the technical solution of the present invention. In order to more clearly understand the technical means of the present invention, it can be implemented according to the contents of the specification. In order to make the above and other purposes, features and advantages of the present invention more obvious and easy to understand, the specific implementation methods of the present invention are listed below. BRIEF DESCRIPTION OF THE DRAWINGS

[0031] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the accompanying drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other accompanying drawings can be obtained based on these accompanying drawings without paying creative work.

[0032] Figure 1 A flowchart of a method for automatically processing commercial bank payment collection bank number information provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0033] The exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although the exemplary embodiments of the present disclosure are shown in the accompanying drawings, it should be understood that the present disclosure can be implemented in various forms and should not be limited by the embodiments set forth herein. On the contrary, these embodiments are provided to enable a more thorough understanding of the present disclosure and to fully convey the scope of the present disclosure to those skilled in the art.

[0034] The terms "comprises" and "having" and any variations thereof in the description embodiments, claims and drawings of the present invention are intended to cover non-exclusive inclusions, for example, including a series of steps or units.

[0035] The technical solution of the present invention is further described in detail below in conjunction with the accompanying drawings and embodiments.

[0036] like Figure 1 As shown, a method for automatically processing the bank number information of a commercial bank, comprising:

[0037] Data collection: Commercial banks need to integrate their current internal systems to obtain corresponding account information, usually through network connections or API interfaces.

[0038] Data cleaning: Commercial banks need to clean the collected account information, remove duplicate data, format data, etc.

[0039] Data matching: Commercial banks need to match the collected account information with their own account information to ensure the accuracy and completeness of the data. When processing data, the queried bank institution information is matched with other information entered by the customer to ensure consistency.

[0040] Data processing: Commercial banks need to process the successfully matched account information and verify the validity of the corresponding account.

[0041] Data storage: Commercial banks need to store processed data in a database for subsequent retrieval and comparison during business operations.

[0042] Business processing: When transferring funds, the system automatically performs the fund transfer operation after confirming that the bank number is correct and the information matches. A transaction record is generated, including transaction time, amount, bank number, beneficiary account number and other information, and stored in the database.

[0043] Feedback and Notification: The system provides feedback to customers on transaction results, including success, failure, or information requiring further confirmation.

[0044] Exception handling:

[0045] (1) Error handling: If an error is found during data verification, matching or business processing, the system will automatically handle the error, such as prompting an error message or rejecting the transaction.

[0046] (2) Manual intervention: For some abnormal situations that cannot be handled automatically, the system may trigger a manual intervention process for further processing by bank staff.

[0047] Commercial banks may also use the following technologies to automatically process bank number information:

[0048] Artificial Intelligence: Banks can use artificial intelligence technology to automate the processing of account information, such as using machine learning algorithms to classify and identify account information.

[0049] Blockchain technology: Banks can use blockchain technology to build a distributed ledger to store account information, enabling secure sharing and automated processing of information.

[0050] Cloud computing technology: Banks can use cloud computing technology to process large amounts of account information and improve the efficiency and accuracy of data processing.

[0051] Natural language processing technology: Banks can use natural language processing technology to identify and understand customer needs, automate account information processing, and improve customer experience.

[0052] The advantages of the method for commercial banks to automatically process bank number information include:

[0053] Improve processing efficiency: The use of automated processing methods can greatly improve the efficiency of banks in processing account information and reduce the possibility of manual operations and errors.

[0054] Reduce costs: Automated processing can reduce banks’ labor costs and operating costs, and improve banks’ profitability.

[0055] Improve accuracy: Automated processing can avoid errors and omissions in manual operations and improve the accuracy and data quality of account information processing.

[0056] Improve customer experience: Automated processing can achieve quick response and efficient service, improving customer satisfaction and experience.

[0057] Realize information sharing: Automated processing can realize information sharing and exchange among commercial banks, and improve the coordination and cooperation of banking business.

[0058] The following issues need to be noted when commercial banks automate the processing of bank number information:

[0059] Data security: Banks need to strengthen data security management to protect customer account information from being leaked or tampered with.

[0060] Technical difficulty: Banks need to have certain technical capabilities and experience to automatically process relevant bank number information.

[0061] Data quality: Banks need to ensure that the account information collected is accurate and complete to avoid errors and duplication of data.

[0062] Compliance: Banks need to comply with relevant laws, regulations and industry norms to ensure the compliance and legality of automated business processing.

[0063] Risk management: Banks need to establish a sound risk management mechanism to assess and manage the risks of automated business processing to ensure the stable operation of the business.

[0064] The method for commercial banks to automatically process bank number information also needs to consider the following aspects:

[0065] Data collection channels: Banks need to select appropriate data collection channels to ensure that the account information collected is accurate, complete and timely.

[0066] Data format standardization: Banks need to standardize the format of collected account information to facilitate automated processing and data matching.

[0067] Data matching algorithm: Banks need to select appropriate data matching algorithms to ensure matching accuracy and efficiency.

[0068] Data processing process: Banks need to design a reasonable data processing process, including data cleaning, data matching, data processing and data storage.

[0069] Data quality monitoring: Banks need to establish a data quality monitoring mechanism to promptly detect and fix data quality issues and ensure the accuracy and completeness of data.

[0070] Technological innovation: Banks need to continuously carry out technological innovation and adopt new technical means and methods to improve the efficiency and quality of automated processing.

[0071] Artificial intelligence applications: Banks can use artificial intelligence technologies, such as machine learning and natural language processing, to improve the intelligence and adaptability of automated processing.

[0072] The specific technical methods and means for commercial banks to automatically process bank number information include:

[0073] Application Programming Interface (API): Banks can use API technology to achieve data sharing and exchange between different banks, thereby improving business collaboration and cooperation.

[0074] Database replication technology: Banks can use database replication technology to copy other banks' account information into their own database for automated processing.

[0075] Data mining technology: Banks use data mining technology to analyze and mine collected account information to discover valuable information and patterns.

[0076] Artificial Intelligence Technology: Banks use artificial intelligence technologies, such as machine learning and natural language processing, to improve the intelligence and adaptability of automated processing.

[0077] Blockchain technology: Banks use blockchain technology to achieve secure sharing and exchange of account information, ensuring the integrity and non-tamperability of data.

[0078] Banks use a variety of technical methods and means to automatically process other bank account information, including API, database replication technology, data mining technology, artificial intelligence technology and blockchain technology, in order to achieve efficient and intelligent automated processing.

[0079] Beneficial effects: Improve business efficiency: Automated processing greatly shortens processing time, improves business efficiency, and reduces manual operations and error rates.

[0080] Improve customer experience: Automated processing can achieve 24-hour uninterrupted processing, improve customer experience, and enhance customer stickiness and satisfaction.

[0081] Reduce costs: Automated processing reduces labor costs and operating costs, and improves the bank's profitability.

[0082] Improve data quality: Automated processing reduces human interference and misoperation, and improves data quality and accuracy.

[0083] Strengthen data security: Automated processing strengthens data security management and protects customer account information from being leaked or tampered with.

[0084] Improve business collaboration: Automated processing enables business collaboration and cooperation among banks, enhancing industry competitiveness.

[0085] In short, commercial banks' automated processing of bank number information can improve business efficiency, customer experience, data quality and security, reduce costs and expenses, and enhance business collaboration, which has important strategic significance and commercial value.

[0086] The above specific implementation methods further illustrate the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above are only specific implementation methods of the present invention and are not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.

Claims

1. A method for automatically processing the bank number information of a commercial bank, characterized in that: The processing method comprises: Conduct data collection and obtain initial data; Performing a data cleaning operation on the initial data to obtain cleaned data; Match the collected account information with the bank's account information; Perform data processing to obtain processed data; storing the processed data; Business processing, generating transaction records and storing them in the database; Provide feedback to customers on transaction results; Handle the exception message.

2. A method for automatically processing the bank number information of a commercial bank according to claim 1, characterized in that: The data collection and acquisition of initial data specifically include: the commercial bank integrates the current in-house system to obtain the corresponding account information and collects data through a network connection or an API interface.

3. A method for automatically processing the bank number information of a commercial bank according to claim 1, characterized in that: The data cleaning operation performed on the initial data to obtain the cleaned data specifically includes: the commercial bank cleans the collected account information, removes duplicate data, and formats the data.

4. A method for automatically processing the bank number information of a commercial bank according to claim 1, characterized in that: The matching of the collected account information with the bank's account information specifically includes: The commercial bank will match the collected account information with its own account information; When processing data, the queried banking institution information is matched with other information entered by the customer to ensure consistency.

5. A method for automatically processing the bank number information of a commercial bank according to claim 1, characterized in that: The data processing to obtain processed data specifically includes: the commercial bank processes the successfully matched account information and verifies the validity of the corresponding account.

6. A method for automatically processing the bank number information of a commercial bank according to claim 1, characterized in that: The storing of the processed data specifically includes: the commercial bank stores the processed data in a database for subsequent calling and comparison processing in the course of business development.

7. A method for automatically processing the bank number information of a commercial bank according to claim 1, characterized in that: The business processing, generating transaction records, and storing them in the database specifically includes: When making fund transfers, after confirming that the bank number is correct and the information matches, the system automatically performs the fund transfer operation; Generate transaction records, including transaction time, amount, bank number, and payee account information, and store them in the database.

8. A method for automatically processing the bank number information of a commercial bank according to claim 1, characterized in that: The feedback of transaction results to the customer specifically includes: the system feeds back the transaction results to the customer, including success, failure or further confirmation information.

9. A method for automatically processing the bank number information of a commercial bank according to claim 1, characterized in that: The processing of the abnormal message specifically includes: Error handling: If an error is found during data verification, matching or business processing, the system will automatically handle the error, prompt an error message, or reject the transaction; Manual intervention: For some abnormal situations that cannot be handled automatically, the system triggers the manual intervention process, which is further handled by bank staff.

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