Active withdrawal method, device, equipment and medium

Abstract

The invention relates to the technical field of data processing, and discloses an active withdrawal method and device, equipment and a medium, which are used for solving the problems of less information content of a withdrawal message and lower message processing efficiency in an active withdrawal scene in the related technology. The method comprises the following steps: in response to a received withdrawal query instruction, obtaining information of a to-be-withdrawn service, determining a sending mode of a withdrawal message according to a sending object of an afflux message of the to-be-withdrawn service, then determining a corresponding target object according to the sending mode, and according to a message format of the afflux message of the to-be-withdrawn service, sending the target object to the to-be-withdrawn service. And determining the message format of the report-cancelling message sent to the target object, and finally, generating the report-cancelling message based on the report-cancelling message template corresponding to the message format of the report-cancelling message, and sending the report-cancelling message to the target object. According to the embodiment of the invention, the format of the refunding message can be determined according to the message sending mode and the message format of the afflux message, the requirements of sending the refunding messages in various formats can be met, and business personnel can switch the refunding message template as required.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a method, device, equipment and medium for active remittance refund. Background Art

[0002] In actual applications, through the SWIFT (Society for Worldwide Interbank FinancialTelecommunications, international funds clearing system) network, banks can receive incoming messages in the formats of MT103, MT202, PACS.008, PACS.009, MT103+MT202, MT103+PACS.009, MT202+PACS.008, PACS.008+PACS.009, PACS.009+PACS.009, etc. from counterpart banks. If active remittance return needs to be initiated, the foreign currency payment system currently only supports sending messages in the MT199 format to notify the counterparty bank.

[0003] Since the MT199 message format is simple and the return message contains less information, it needs to be manually analyzed and processed by the counterparty bank after landing, which has low processing efficiency.

[0004] Therefore, the related art lacks a method for processing messages with high efficiency in the active remittance refund scenario. Summary of the invention

[0005] The embodiments of the present application provide a method, device, equipment and medium for active remittance refund, which are used to solve the problems in the related art of less information volume in remittance refund message and lower message processing efficiency in the active remittance refund scenario.

[0006] In a first aspect, an embodiment of the present application provides a method for active remittance refund, the method comprising:

[0007] In response to the received remittance return query instruction, obtaining information of the remittance business to be returned; the information of the remittance business to be returned at least includes an inward remittance message;

[0008] Determine the sending mode of the remittance refund message according to the sending object of the remittance inflow message of the remittance refund business;

[0009] Determine the corresponding target object according to the message sending mode, and determine the message format of the refund message sent to the target object according to the message format of the incoming message of the remittance refund business;

[0010] Based on a report withdrawal message template corresponding to the message format of the report withdrawal message, a report withdrawal message is generated and sent to the target object.

[0011] In an embodiment of the present application, the format of the return report message can be determined according to the message sending mode and the message format of the imported message, thereby achieving compatibility with the requirements of sending return report messages in multiple formats. Business personnel can switch the return message template as needed and generate a return report message based on the return report message template, thereby reducing business personnel operations and improving message processing efficiency.

[0012] In a possible embodiment, determining the message sending mode of the remittance refund message according to the message sending object of the remittance refund business includes at least one of the following steps:

[0013] If the sending object of the remittance message of the remittance business to be refunded is the source object of funds for the remittance refund business, the remittance refund is carried out in a single report mode; wherein the target object of the single report mode is the source object of funds for the remittance refund business;

[0014] If the sending object of the inward remittance message of the remittance refund business is not the source of funds for the remittance refund business, a double-reporting mode is adopted for remittance refund; wherein, the target objects of the double-reporting mode are the source of funds for the remittance refund business and the sending object of the inward remittance message.

[0015] In a possible embodiment, determining a corresponding target object according to the message sending mode, and determining a message format of a refund message sent to the target object according to a message format of an incoming message of the to-be-refunded business, includes:

[0016] For the source of funds object of the remittance return business corresponding to the order reporting mode, perform the following steps:

[0017] If the message format of the incoming message is not the preset message format, determining that the message format of the refund message sent to the fund source object of the refund business is the first message format;

[0018] If the message format of the remittance message is the preset message format, determining that the message format of the remittance refund message sent to the fund source object of the remittance refund business is the second message format;

[0019] For the source of funds for the remittance return business corresponding to the double reporting mode, perform the following steps:

[0020] If the message format of the incoming message is not the preset message format, determining that the message format of the refund message sent to the fund source object of the refund business is the first message format;

[0021] If the message format of the remittance message is the preset message format, determining that the message format of the remittance refund message sent to the fund source object of the remittance refund business is the first message format;

[0022] For the message sending object of the imported message corresponding to the dual message sending mode, perform the following steps:

[0023] If the message format of the imported message is not the preset message format, determining that the message format of the return message sent to the sending object of the imported message is the first message format;

[0024] If the message format of the imported message is the preset message format, it is determined that the message format of the return message sent to the message sending object of the imported message is the second message format.

[0025] In a possible embodiment, the generating the withdrawal report message based on the withdrawal report message template corresponding to the message format of the withdrawal report message includes:

[0026] For the first return report message template corresponding to the first message format, perform the following operations:

[0027] Writing the first collected information of the remittance business to be remitted into the first remittance remittance reporting template in text form; and writing the input information into the first remittance remittance reporting template in response to the information input instruction;

[0028] The filled first report return report template is used as the report return report;

[0029] For the second report return message template corresponding to the second message format, perform the following operations:

[0030] Writing the second collected information of the remittance to be remitted as configuration data into the second remittance remittance reporting template; and writing the input information into the second remittance remittance reporting template in response to the information input instruction;

[0031] The filled second report withdrawal message template is format-converted to obtain a report withdrawal message.

[0032] In a possible embodiment, writing the second collected information of the to-be-refunded business as configuration data into the second remittance refund reporting template includes:

[0033] Using the pending remittance refund business identifier as the uniform resource identifier URL of the application program interface;

[0034] Based on the uniform resource identifier URL, obtaining an interface response message corresponding to the identifier of the remittance to be refunded;

[0035] For multiple configuration items included in the second return report template, respectively generate query methods corresponding to the multiple configuration items to obtain multiple query methods;

[0036] The configuration item data corresponding to the multiple query methods are queried from the interface response message by using the multiple query methods respectively, and the obtained multiple configuration item data are written into the second return report message template.

[0037] In a possible embodiment, the second remittance return reporting template includes multiple configuration items including at least the recipient, business number, remittance return reason, name, address and account number of the original payee and payee, remittance amount and remittance currency.

[0038] In a possible embodiment, after generating the return report, the method further includes:

[0039] In response to the message preview instruction, the report return message is reviewed to see whether it complies with the regulations, and is sent to the target object after passing the review.

[0040] In a second aspect, the present application provides an active remittance refund device, the device comprising:

[0041] A unit for determining a business to be refunded, configured to obtain information on the business to be refunded in response to a received refund query instruction; the information on the business to be refunded at least includes an inward remittance message;

[0042] A message mode determination unit, used to determine the message mode of the remittance refund message according to the message object of the remittance refund business;

[0043] A message format determination unit, used to determine the corresponding target object according to the message sending mode, and determine the message format of the refund message sent to the target object according to the message format of the incoming message of the remittance refund business;

[0044] The withdrawal report message generating unit is used to generate a withdrawal report message based on a withdrawal report message template corresponding to the message format of the withdrawal report message and send the withdrawal report message to the target object.

[0045] In a possible embodiment, the message mode of the remittance refund message is determined according to the message object of the remittance remittance service to be remitted, and the message mode determination unit is used to perform at least one of the following steps:

[0046] If the sending object of the remittance message of the remittance business to be refunded is the source object of funds for the remittance refund business, the remittance refund is carried out in a single report mode; wherein the target object of the single report mode is the source object of funds for the remittance refund business;

[0047] If the sending object of the inward remittance message of the remittance refund business is not the source of funds for the remittance refund business, a double-reporting mode is adopted for remittance refund; wherein, the target objects of the double-reporting mode are the source of funds for the remittance refund business and the sending object of the inward remittance message.

[0048] In a possible embodiment, the corresponding target object is determined according to the message sending mode, and the message format of the refund message sent to the target object is determined according to the message format of the incoming message of the to-be-refunded business, and the message format determination unit is specifically used to:

[0049] For the source of funds object of the remittance return business corresponding to the order reporting mode, perform the following steps:

[0050] If the message format of the incoming message is not the preset message format, determining that the message format of the refund message sent to the fund source object of the refund business is the first message format;

[0051] If the message format of the remittance message is the preset message format, determining that the message format of the remittance refund message sent to the fund source object of the remittance refund business is the second message format;

[0052] For the source of funds for the remittance return business corresponding to the double reporting mode, perform the following steps:

[0053] If the message format of the incoming message is not the preset message format, determining that the message format of the refund message sent to the fund source object of the refund business is the first message format;

[0054] If the message format of the remittance message is the preset message format, determining that the message format of the remittance refund message sent to the fund source object of the remittance refund business is the first message format;

[0055] For the message sending object of the imported message corresponding to the dual message sending mode, perform the following steps:

[0056] If the message format of the imported message is not the preset message format, determining that the message format of the return message sent to the sending object of the imported message is the first message format;

[0057] If the message format of the imported message is the preset message format, it is determined that the message format of the return message sent to the message sending object of the imported message is the second message format.

[0058] In a possible embodiment, the withdrawal report message is generated based on the withdrawal report message template corresponding to the message format of the withdrawal report message, and the withdrawal report message generating unit is specifically used to:

[0059] For the first return report message template corresponding to the first message format, perform the following operations:

[0060] Writing the first collected information of the remittance business to be remitted into the first remittance remittance reporting template in text form; and writing the input information into the first remittance remittance reporting template in response to the information input instruction;

[0061] The filled first report return report template is used as the report return report;

[0062] For the second report return message template corresponding to the second message format, perform the following operations:

[0063] Writing the second collected information of the remittance to be remitted as configuration data into the second remittance remittance reporting template; and writing the input information into the second remittance remittance reporting template in response to the information input instruction;

[0064] The filled second report withdrawal message template is format-converted to obtain a report withdrawal message.

[0065] In a possible embodiment, the second collected information of the to-be-refunded business is written as configuration data into the second remittance refund report template, and the remittance refund report generation unit is further used to:

[0066] Using the pending remittance refund business identifier as the uniform resource identifier URL of the application program interface;

[0067] Based on the uniform resource identifier URL, obtaining an interface response message corresponding to the identifier of the remittance to be refunded;

[0068] For multiple configuration items included in the second return report template, respectively generate query methods corresponding to the multiple configuration items to obtain multiple query methods;

[0069] The configuration item data corresponding to the multiple query methods are queried from the interface response message by using the multiple query methods respectively, and the obtained multiple configuration item data are written into the second return report message template.

[0070] In a possible embodiment, the second remittance return reporting template includes multiple configuration items including at least the recipient, business number, remittance return reason, name, address and account number of the original payee and payee, remittance amount and remittance currency.

[0071] In a possible embodiment, after generating the return report message, a message review unit is further included, which is specifically used to:

[0072] In response to the message preview instruction, the report return message is reviewed to see whether it complies with the regulations, and is sent to the target object after passing the review.

[0073] In a third aspect, the present application provides an electronic device, including:

[0074] A memory for storing program instructions;

[0075] The processor is used to call the program instructions stored in the memory, and execute the steps included in any one of the active remittance refund methods in the first aspect according to the obtained program instructions.

[0076] In a fourth aspect, the present application provides a computer-readable storage medium storing a computer program, wherein the computer program includes program instructions, and when the program instructions are executed by a computer, the computer executes the active remittance refund method described in any one of the first aspects.

[0077] In a fifth aspect, the present application provides a computer program product, comprising: a computer program code, when the computer program code is executed on a computer, the computer executes the active remittance refund method described in any one of the first aspects.

[0078] The technical effects brought about by any one of the implementation methods of the second to fifth aspects can refer to the technical effects brought about by the implementation method of the first aspect, and will not be repeated here. BRIEF DESCRIPTION OF THE DRAWINGS

[0079] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technical personnel in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0080] Figure 1 A schematic diagram of an application scenario of an active remittance refund method provided in an embodiment of the present application;

[0081] Figure 2 A flowchart of an active remittance refund method provided in an embodiment of the present application;

[0082] Figure 3 A flow chart of writing the second collected information of the remittance refund business as configuration data into the second remittance refund reporting template provided in an embodiment of the present application;

[0083] Figure 4 A structural diagram of an active remittance refund device provided in an embodiment of the present application;

[0084] Figure 5 A structural diagram of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0085] In order to make the purpose, technical scheme and advantages of the present application clearer, the technical scheme in the embodiment of the present application will be clearly and completely described below in conjunction with the drawings in the embodiment of the present application. Obviously, the described embodiment is only a part of the embodiment of the present application, rather than all the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technical personnel in the field without making creative work are within the scope of protection of the present application. In the absence of conflict, the embodiments in the present application and the features in the embodiments can be arbitrarily combined with each other. In addition, although the logical order is shown in the flow chart, in some cases, the steps shown or described can be performed in an order different from that here.

[0086] The terms "first" and "second" in the specification and claims of the present application and the above-mentioned drawings are used to distinguish different objects, rather than to describe a specific order. In addition, the term "comprising" and any of their variations are intended to cover non-exclusive protection. For example, a process, method, system, product or device comprising a series of steps or units is not limited to the listed steps or units, but optionally also includes steps or units that are not listed, or optionally also includes other steps or units inherent to these processes, methods, products or devices. "Multiple" in the present application can mean at least two, for example, two, three or more, and the embodiments of the present application are not limited.

[0087] The following is a description of exemplary embodiments of the present application in conjunction with the accompanying drawings, including various details of the embodiments of the present application to facilitate understanding, which should be considered as merely exemplary. Therefore, those of ordinary skill in the art should recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope of the present application. Similarly, for the sake of clarity and conciseness, the description of well-known functions and structures is omitted in the following description. It should be noted that in the embodiments of the present application, certain software, components, models and other existing solutions in the industry may be mentioned, which should be considered as exemplary, and their purpose is only to illustrate the feasibility of the implementation of the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0088] In the technical solution of this application, the acquisition, transmission, storage, and use of data are in compliance with the requirements of relevant national laws and regulations.

[0089] Before introducing the active remittance refund method provided in the embodiment of the present application, for ease of understanding, the technical background of the embodiment of the present application is first introduced in detail.

[0090] Before SWIFT (Society for Worldwide Interbank Financial Telecommunications, international funds clearing system) promoted the ISO20022 message standard, banks used the MT format messages supported by SWIFT to send and receive messages through the SWIFT network. From 2022 to 2023, SWIFT and domestic banks gradually supported ISO format messages. Therefore, as of now, in actual applications, MT format messages coexist with ISO format messages.

[0091] In actual applications, through the SWIFT network, banks can receive incoming messages in the formats of MT103, MT202, PACS.008, PACS.009, MT103+MT202, MT103+PACS.009, MT202+PACS.008, PACS.008+PACS.009, PACS.009+PACS.009, etc. from counterpart banks. If active remittance return needs to be initiated, the foreign currency payment system currently only supports sending messages in MT199 format to notify the counterparty bank.

[0092] Since the MT199 message format is simple and the return message contains less information, it needs to be manually analyzed and processed by the counterparty bank after landing, which has low processing efficiency.

[0093] In view of this, the embodiments of the present application provide a method, apparatus, device and medium for active remittance refund, which are used to solve the problems in the related art of less information volume in remittance refund message and low message processing efficiency in the active remittance refund scenario.

[0094] The inventive concept of the present application can be summarized as follows: in an embodiment of the present application, in response to a received remittance refund query instruction, information of the remittance refund business to be refunded is obtained, and the messaging mode of the remittance refund message is determined according to the messaging object of the incoming message of the remittance refund business to be refunded, and then the corresponding target object is determined according to the messaging mode, and the message format of the remittance refund message sent to the target object is determined according to the message format of the incoming message of the remittance refund business, and finally, based on the remittance refund message template corresponding to the message format of the remittance refund message, a remittance refund message is generated and sent to the target object.

[0095] Therefore, in the embodiment of the present application, the format of the return report message can be determined according to the message sending mode and the message format of the imported message, thereby achieving compatibility with the requirements of sending return report messages in multiple formats. Business personnel can switch the return message template as needed and generate a return report message based on the return report message template, thereby reducing business personnel operations and improving message processing efficiency.

[0096] After introducing the inventive concept of this application, Figure 1 , the application scenarios of the embodiments of the present application are introduced.

[0097] Reference Figure 1 , is an application scenario diagram of an active remittance refund method provided in an embodiment of the present application. Figure 1 As shown, the scenario includes: a terminal device 110 and a server 120, and the terminal device 110 and the server 120 can communicate with each other through a communication network.

[0098] In an optional implementation, the communication network may be a wired network or a wireless network. Therefore, the terminal device 110 and the server 120 may be directly or indirectly connected via a wired or wireless communication. For example, the terminal device 110 may be indirectly connected to the server 120 via a wireless access point, or the terminal device 110 may be directly connected to the server 120 via the Internet, and this application does not limit this.

[0099] In the embodiment of the present application, the terminal device 110 includes but is not limited to mobile phones, tablet computers, laptop computers, desktop computers, e-book readers, intelligent voice interaction devices, smart home appliances, car terminals and other devices.

[0100] The server 120 is a background server corresponding to the terminal device 110. The server 120 may be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery networks (CDNs), and big data and artificial intelligence platforms.

[0101] It should be noted that the active remittance refund method in the embodiment of the present application can be deployed in an electronic device, which can be a server or a terminal device.

[0102] The server can be Figure 1 The server 120 shown in FIG. Figure 1 The terminal device may be other servers other than the server 120 shown in FIG. Figure 1 The terminal device 110 shown in FIG. Figure 1 Other terminal devices other than the terminal device 110 shown in FIG.

[0103] Figure 1 The figure is only an example. In fact, the number of terminal devices 110 and servers 120 is not limited and is not specifically limited in the embodiments of the present application.

[0104] In the embodiment of the present application, when there are multiple servers 120, the multiple servers 120 can form a blockchain, and the servers 120 are nodes on the blockchain; as in the active remittance refund method disclosed in the embodiment of the present application, the remittance refund business involved therein can be saved on the blockchain.

[0105] Based on the above application scenarios, the active remittance refund method provided by the exemplary embodiment of the present application is described below in combination with the above-described application scenarios according to the accompanying drawings. It should be noted that the above application scenarios are only shown to facilitate understanding of the spirit and principles of the present application, and the implementation methods of the present application are not limited in this respect.

[0106] refer to Figure 2 , Figure 2 An exemplary method for actively refunding foreign exchange in an embodiment of the present application is provided. The method can be executed by an electronic device and includes the following steps:

[0107] Step S201, in response to the received remittance return query instruction, obtain information on the remittance return business to be returned; the information on the remittance return business to be returned at least includes an inward remittance message.

[0108] In a possible embodiment, in the background processing interface of the foreign currency payment system of China Construction Bank, the initiation of the remittance return is operated in the "query and reply" module. After entering the "query and reply handling" interface, the operating teller selects a remittance return business to be returned and enters the detail interface of the remittance return business to be returned. After entering the detail interface, according to the business needs, the "processing flag" is first set to "inward active remittance return". Among them, the information of the remittance return business to be returned includes at least the remittance message, which contains the name, address, account number, remittance amount, currency, date of the customer of another bank, and the name, address, account number and other information of the customer of our bank.

[0109] It should be noted that the information of the pending remittance refund business is not limited to the above-mentioned multiple data, and the embodiment of the present application does not limit this.

[0110] Step S202, determining a sending mode of the remittance refund message according to the sending object of the remittance inflow message of the remittance refund business.

[0111] In a possible embodiment, in step S202, the sending mode of the remittance refund message is determined according to the sending object of the remittance inflow message of the remittance refund business, which is divided into two cases and can be implemented as follows:

[0112] If the sending object of the inward remittance message of the remittance refund business is the source object of funds for the remittance refund business, the remittance refund is carried out using the order reporting mode; wherein the target object of the order reporting mode is the source object of funds for the remittance refund business.

[0113] If the sending object of the inward remittance message of the remittance refund business is not the source object of the funds for the remittance refund business, the double-reporting mode is adopted for remittance refund; wherein, the target objects of the double-reporting mode are the source object of the funds for the remittance refund business and the sending object of the inward remittance message.

[0114] For example, Bank A has not established a customer account in Bank C, and both Bank A and Bank C have established customer accounts in Bank B. Bank A remits a sum of funds to Bank C, and the sending object of the remittance message is Bank B. When Bank C actively initiates a remittance return to Bank A, the source object of the funds for the remittance return business is Bank A. At this time, the sending object of the remittance message is not the source object of the funds for the remittance return business, and the sending mode of the remittance return message is determined to be the double-reporting mode.

[0115] Step S203, determining the corresponding target object according to the message sending mode, and determining the message format of the refund message sent to the target object according to the message format of the incoming message of the remittance refund business.

[0116] In a possible embodiment, in step S203, the corresponding target object is determined according to the message sending mode, and the message format of the refund message sent to the target object is determined according to the message format of the incoming message of the remittance refund business, which can be implemented as follows:

[0117] For the source of funds object of the remittance return business corresponding to the order reporting mode, perform the following steps:

[0118] If the message format of the incoming message is not the preset message format, determining that the message format of the refund message sent to the fund source object of the refund business is the first message format;

[0119] If the message format of the incoming message is the preset message format, the message format of the refund message sent to the fund source object of the refund business is determined to be the second message format.

[0120] For the source of funds for the remittance return business corresponding to the double reporting mode, perform the following steps:

[0121] If the message format of the incoming message is not the preset message format, determining that the message format of the refund message sent to the fund source object of the refund business is the first message format;

[0122] If the message format of the incoming message is the preset message format, it is determined that the message format of the refund message sent to the fund source object of the refund business is the first message format.

[0123] For the message sending object of the imported message corresponding to the dual message sending mode, perform the following steps:

[0124] If the message format of the imported message is not the preset message format, determining that the message format of the return message sent to the sending object of the imported message is the first message format;

[0125] If the message format of the imported message is the preset message format, it is determined that the message format of the return message sent to the message sending object of the imported message is the second message format.

[0126] For example, in the billing mode scenario, the preset message format is PACS.008 or PACS.009 message. If the format of the imported message is not the above message format, the message format of the refund message sent to the source object of funds for the refund business is determined to be the first message format MT199; if the format of the imported message is PCAS.008 or PACS.009, the message format of the refund message sent to the source object of funds for the refund business is determined to be the second message format PACS.004.

[0127] In the dual-reporting mode scenario, the preset message format is PACS.008 or PACS.009 message. For the source of funds of the remittance refund business, the message format of the remittance refund message sent to the source of funds of the remittance refund business is determined to be the first message format MT199; for the sending object of the imported message, if the format of the imported message is not the above message format, the message format of the remittance refund message sent to the sending object of the imported message is determined to be the first message format MT199; if the format of the imported message is PCAS.008 or PACS.009, the message format of the remittance refund message sent to the sending object of the imported message is determined to be the second message format PACS.004.

[0128] Step S204: Based on the report withdrawal message template corresponding to the message format of the report withdrawal message, generate a report withdrawal message and send it to the target object.

[0129] In a possible embodiment, generating a withdrawal report message based on a withdrawal report message template corresponding to a message format of the withdrawal report message may be implemented as follows:

[0130] For the first return report message template corresponding to the first message format, perform the following operations:

[0131] Writing the first collected information of the remittance business to be remitted into the first remittance remittance reporting template in text form; and writing the input information into the first remittance remittance reporting template in response to the information input instruction;

[0132] The filled first report return report template is used as the report return report.

[0133] For example, for the MT199 remittance return report template, after the system automatically collects part of the information to display a fixed-format text template, the operating teller can manually input the reason for remittance return, amount, currency, interest accrual date and other information in the text, and use the filled-in MT199 remittance return report template as the remittance return report, and send it to the target party in the form of an edited text message with verbal description to complete the sending of the remittance return report.

[0134] For the second report return message template corresponding to the second message format, perform the following operations:

[0135] Writing the second collected information of the remittance to be remitted as configuration data into the second remittance remittance reporting template; and writing the input information into the second remittance remittance reporting template in response to the information input instruction;

[0136] The filled second report withdrawal message template is format-converted to obtain a report withdrawal message.

[0137] In a possible embodiment, the second collected information of the remittance to be refunded is written into the second remittance reporting template as configuration data, and the process is as follows: Figure 3 As shown, including the following:

[0138] Step S301: Use the ID of the remittance refund service as the uniform resource identifier URL of the application program interface.

[0139] Step S302: Based on the uniform resource identifier URL, an interface response message corresponding to the identifier of the remittance to be refunded is obtained.

[0140] Step S303: for the multiple configuration items included in the second report return message template, query methods corresponding to the multiple configuration items are generated respectively to obtain multiple query methods.

[0141] Step S304: Query the configuration item data corresponding to the multiple query methods from the interface response message using multiple query methods respectively, and write the obtained multiple configuration item data into the second return report message template.

[0142] In a possible embodiment, the embodiment of the present application can use Python's openpynxl, requests, datetime and other methods to call the system API to obtain the interface response message, and then parse the message data to mine the configuration item data. The configuration item data includes the recipient, business number, reason for return, name, address and account number of the original payee and payee, remittance amount, remittance currency, etc.

[0143] For example, taking the acquisition of two configuration item data of the reporting object and the business number as an example, based on the "PACS.004 Refund Report Template", each line of the template is the configuration item data that needs to be obtained, the identification of the business to be refunded is taken as the uniform resource identifier URL of the application interface, and the get method of request is used to obtain the interface response message corresponding to the identification of the business to be refunded. Then, multiple query methods corresponding to the configuration items are generated, such as the business number_is and the reporting object_is methods, and the interface response messages are traversed using the query method; finally, the obtained multiple configuration item data are written into the PACS.004 Refund Report Template.

[0144] It should be added that the PACS.004 remittance report is in XML format, each field has a fixed meaning, and the information of the remittance business to be remitted is automatically mapped to the relevant field. After the operating teller simply adds the reason for the remittance, it can be issued. Among them, the configuration item data in the embodiment of the present application can be set according to actual needs, and the embodiment of the present application does not limit this.

[0145] In a possible embodiment, after generating the report return message, the embodiment of the present application will also respond to the message preview instruction, review whether the report return message complies with the regulations, and send it to the target object after passing the review.

[0146] Based on the foregoing description, in an embodiment of the present application, the format of the return report message can be determined according to the message sending mode and the message format of the imported message, thereby realizing the requirement of being compatible with sending return report messages of multiple formats. Business personnel can switch the return report template as needed, and generate a return report message based on the return report message template, thereby reducing business personnel operations and improving message processing efficiency.

[0147] Based on the same inventive concept, the present application embodiment provides an active remittance refund device, please refer to Figure 4 The device comprises: a to-be-refunded business determination unit 401, a message mode determination unit 402, a message format determination unit 403 and a remittance remittance message generation unit 404, wherein:

[0148] The pending remittance refund business determining unit 401 is used to obtain information of pending remittance refund business in response to the received remittance refund query instruction; the information of the pending remittance refund business at least includes the remittance inflow message;

[0149] The message mode determination unit 402 is used to determine the message mode of the refund message according to the message object of the remittance message to be refunded;

[0150] The message format determination unit 403 is used to determine the corresponding target object according to the message sending mode, and determine the message format of the refund message sent to the target object according to the message format of the incoming message of the remittance refund business;

[0151] The withdrawal report message generating unit 404 is configured to generate a withdrawal report message based on a withdrawal report message template corresponding to the message format of the withdrawal report message and send the message to the target object.

[0152] In a possible embodiment, the message mode of the remittance refund message is determined according to the message object of the remittance remittance service to be remitted, and the message mode determination unit 402 is used to perform at least one of the following steps:

[0153] If the sending object of the remittance message of the remittance business to be refunded is the source object of funds for the remittance refund business, the remittance refund is carried out in a single report mode; wherein the target object of the single report mode is the source object of funds for the remittance refund business;

[0154] If the sending object of the inward remittance message of the remittance refund business is not the source of funds for the remittance refund business, a double-reporting mode is adopted for remittance refund; wherein, the target objects of the double-reporting mode are the source of funds for the remittance refund business and the sending object of the inward remittance message.

[0155] In a possible embodiment, the corresponding target object is determined according to the message sending mode, and the message format of the refund message sent to the target object is determined according to the message format of the incoming message of the to-be-refunded business, and the message format determining unit 403 is specifically used to:

[0156] For the source of funds object of the remittance return business corresponding to the order reporting mode, perform the following steps:

[0157] If the message format of the incoming message is not the preset message format, determining that the message format of the refund message sent to the fund source object of the refund business is the first message format;

[0158] If the message format of the remittance message is the preset message format, determining that the message format of the remittance refund message sent to the fund source object of the remittance refund business is the second message format;

[0159] For the source of funds for the remittance return business corresponding to the double reporting mode, perform the following steps:

[0160] If the message format of the incoming message is not the preset message format, determining that the message format of the refund message sent to the fund source object of the refund business is the first message format;

[0161] If the message format of the remittance message is the preset message format, determining that the message format of the remittance refund message sent to the fund source object of the remittance refund business is the first message format;

[0162] For the message sending object of the imported message corresponding to the dual message sending mode, perform the following steps:

[0163] If the message format of the imported message is not the preset message format, determining that the message format of the return message sent to the sending object of the imported message is the first message format;

[0164] If the message format of the imported message is the preset message format, it is determined that the message format of the return message sent to the message sending object of the imported message is the second message format.

[0165] In a possible embodiment, the withdrawal report message is generated based on the withdrawal report message template corresponding to the message format of the withdrawal report message, and the withdrawal report message generating unit 404 is specifically used to:

[0166] For the first return report message template corresponding to the first message format, perform the following operations:

[0167] Writing the first collected information of the remittance business to be remitted into the first remittance remittance reporting template in text form; and writing the input information into the first remittance remittance reporting template in response to the information input instruction;

[0168] The filled first report return report template is used as the report return report;

[0169] For the second report return message template corresponding to the second message format, perform the following operations:

[0170] Writing the second collected information of the remittance to be remitted as configuration data into the second remittance remittance reporting template; and writing the input information into the second remittance remittance reporting template in response to the information input instruction;

[0171] The filled second report withdrawal message template is format-converted to obtain a report withdrawal message.

[0172] In a possible embodiment, the second collected information of the remittance to be refunded is written as configuration data into the second remittance refund message template, and the remittance refund message generation unit 404 is further used to:

[0173] Using the pending remittance refund business identifier as the uniform resource identifier URL of the application program interface;

[0174] Based on the uniform resource identifier URL, obtaining an interface response message corresponding to the identifier of the remittance to be refunded;

[0175] For multiple configuration items included in the second return report template, respectively generate query methods corresponding to the multiple configuration items to obtain multiple query methods;

[0176] The configuration item data corresponding to the multiple query methods are queried from the interface response message by using the multiple query methods respectively, and the obtained multiple configuration item data are written into the second return report message template.

[0177] In a possible embodiment, the second remittance return reporting template includes multiple configuration items including at least the recipient, business number, remittance return reason, name, address and account number of the original payee and payee, remittance amount and remittance currency.

[0178] In a possible embodiment, after generating the return report message, a message review unit is further included, which is specifically used to:

[0179] In response to the message preview instruction, the report return message is reviewed to see whether it complies with the regulations, and is sent to the target object after passing the review.

[0180] The active remittance refund device provided in the embodiment of the present application and the active remittance refund method in the above embodiment have the same beneficial effects, which will not be described one by one here.

[0181] After introducing the active remittance refund method and active remittance refund device according to the exemplary embodiments of the present application, next, an electronic device provided according to the embodiment of the present application is introduced.

[0182] Based on the same inventive concept, the present application embodiment provides an electronic device, which can implement the function of the active remittance refund method discussed above, please refer to Figure 5 , the device includes a processor 501 and a memory 502.

[0183] The processor 501 may include one or more central processing units (CPU) or a digital processing unit, etc. The processor 501 is used to implement the active remittance refund method in the above embodiment when calling the computer program stored in the memory 502.

[0184] The memory 502 is used to store computer programs executed by the processor 501. The memory 502 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system and programs required for running the instant messaging function, etc.; the data storage area may store various instant messaging information and operation instruction sets, etc.

[0185] The memory 502 may be a volatile memory, such as a random-access memory (RAM); the memory 502 may also be a non-volatile memory, such as a read-only memory, a flash memory, a hard disk drive (HDD) or a solid-state drive (SSD), or the memory 502 may be any other medium that can be used to carry or store the desired program code in the form of instructions or data structures and can be accessed by a computer, but is not limited thereto. The memory 502 may be a combination of the above memories.

[0186] Based on the same inventive concept, the embodiment of the present application provides a computer-readable storage medium, and the computer program product includes: computer program code, when the computer program code is run on a computer, the computer executes any of the active remittance return methods discussed above. Since the principle of solving the problem by the above-mentioned computer-readable storage medium is similar to that of the active remittance return method, the implementation of the above-mentioned computer-readable storage medium can refer to the implementation of the method, and the repeated parts will not be repeated.

[0187] Based on the same inventive concept, the embodiment of the present application further provides a computer program product, which includes: computer program code, when the computer program code is run on a computer, the computer executes any of the active remittance return methods discussed above. Since the principle of solving the problem by the above computer program product is similar to that of the active remittance return method, the implementation of the above computer program product can refer to the implementation of the method, and the repeated parts will not be repeated.

[0188] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented in one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that include computer-usable program code.

[0189] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (systems), and computer program products according to the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0190] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0191] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of user-operated steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for executing on the computer or other programmable device to implement the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0192] Obviously, those skilled in the art can make various changes and modifications to the present application without departing from the spirit and scope of the present application. Thus, if these modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is also intended to include these modifications and variations.

Claims

1. A method for active remittance refund, characterized in that: The method comprises: In response to the received remittance return query instruction, obtaining information of the remittance business to be returned; the information of the remittance business to be returned at least includes an inward remittance message; Determine the sending mode of the remittance refund message according to the sending object of the remittance inflow message of the remittance refund business; Determine the corresponding target object according to the message sending mode, and determine the message format of the refund message sent to the target object according to the message format of the incoming message of the remittance refund business; Based on a report withdrawal message template corresponding to the message format of the report withdrawal message, a report withdrawal message is generated and sent to the target object.

2. The method according to claim 1, characterized in that The step of determining the sending mode of the remittance refund message according to the sending object of the remittance remittance business to be remitted includes at least one of the following steps: If the sending object of the remittance message of the remittance business to be refunded is the source object of funds for the remittance refund business, the remittance refund is carried out in a single report mode; wherein the target object of the single report mode is the source object of funds for the remittance refund business; If the sending object of the inward remittance message of the remittance refund business is not the source of funds for the remittance refund business, a double-reporting mode is adopted for remittance refund; wherein, the target objects of the double-reporting mode are the source of funds for the remittance refund business and the sending object of the inward remittance message.

3. The method according to claim 2, characterized in that Determining the corresponding target object according to the message sending mode, and determining the message format of the refund message sent to the target object according to the message format of the incoming message of the to-be-refunded business, including: For the source of funds object of the remittance return business corresponding to the order reporting mode, perform the following steps: If the message format of the incoming message is not the preset message format, determining that the message format of the refund message sent to the fund source object of the refund business is the first message format; If the message format of the remittance message is the preset message format, determining that the message format of the remittance refund message sent to the fund source object of the remittance refund business is the second message format; For the source of funds for the remittance return business corresponding to the double reporting mode, perform the following steps: If the message format of the incoming message is not the preset message format, determining that the message format of the refund message sent to the fund source object of the refund business is the first message format; If the message format of the remittance message is the preset message format, determining that the message format of the remittance refund message sent to the fund source object of the remittance refund business is the first message format; For the message sending object of the imported message corresponding to the dual message sending mode, perform the following steps: If the message format of the imported message is not the preset message format, determining that the message format of the return message sent to the sending object of the imported message is the first message format; If the message format of the imported message is the preset message format, it is determined that the message format of the return message sent to the message sending object of the imported message is the second message format.

4. The method according to claim 3, characterized in that The generating the report withdrawal message based on the report withdrawal message template corresponding to the message format of the report withdrawal message includes: For the first return report message template corresponding to the first message format, perform the following operations: Writing the first collected information of the remittance business to be remitted into the first remittance remittance reporting template in text form; and writing the input information into the first remittance remittance reporting template in response to the information input instruction; The filled first report return report template is used as the report return report; For the second report return message template corresponding to the second message format, perform the following operations: Writing the second collected information of the remittance to be remitted as configuration data into the second remittance remittance reporting template; and writing the input information into the second remittance remittance reporting template in response to the information input instruction; The filled second report withdrawal message template is format-converted to obtain a report withdrawal message.

5. The method according to claim 4, characterized in that The step of writing the second collected information of the remittance to be refunded as configuration data into the second remittance refund reporting template includes: Using the pending remittance refund business identifier as the uniform resource identifier URL of the application program interface; Based on the uniform resource identifier URL, obtaining an interface response message corresponding to the identifier of the remittance to be refunded; For multiple configuration items included in the second return report template, respectively generate query methods corresponding to the multiple configuration items to obtain multiple query methods; The configuration item data corresponding to the multiple query methods are queried from the interface response message by using the multiple query methods respectively, and the obtained multiple configuration item data are written into the second return report message template.

6. The method according to claim 1, characterized in that The second remittance return reporting template contains a plurality of configuration items including at least the recipient, business number, remittance return reason, name, address and account number of the original payee and payee, remittance amount and remittance currency.

7. The method according to claim 3, characterized in that After the return report is generated, it also includes: In response to the message preview instruction, the report return message is reviewed to see whether it complies with the regulations, and is sent to the target object after passing the review.

8. An active remittance return device, characterized in that: The device comprises: A unit for determining a business to be refunded, configured to obtain information on the business to be refunded in response to a received refund query instruction; the information on the business to be refunded at least includes an inward remittance message; A message mode determination unit, used to determine the message mode of the remittance refund message according to the message object of the remittance refund business; A message format determination unit, used to determine the corresponding target object according to the message sending mode, and determine the message format of the refund message sent to the target object according to the message format of the incoming message of the remittance refund business; The withdrawal report message generating unit is used to generate a withdrawal report message based on a withdrawal report message template corresponding to the message format of the withdrawal report message and send the withdrawal report message to the target object.

9. An electronic device, characterized in that: include: A memory for storing program instructions; A processor is used to call the program instructions stored in the memory, and execute the active remittance refund method according to any one of claims 1 to 7 according to the obtained program instructions.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, wherein the computer program includes program instructions, and when the program instructions are executed by a computer, the computer executes the active remittance refund method according to any one of claims 1 to 7.

11. A computer program product, characterized in that The computer program product comprises: a computer program code, and when the computer program code is executed on a computer, the computer is enabled to execute the active remittance refund method as claimed in any one of claims 1 to 7.

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