Processing method and device for appointment transfer, electronic equipment and storage medium

Abstract

The invention provides an appointment transfer processing method and device, electronic equipment and a storage medium, and the method comprises the steps: registering an appointment transfer detail table according to an appointment transfer request sent by a user; judging whether the reservation transfer detail table is registered successfully or not; if the registration is not successful, the reservation transfer operation is ended; if the registration is successful, carrying out pre-processing operation on the reservation transfer request; determining a first routing trial result according to the pre-processing operation; when the reserved transfer time arrives, the route trial calculation is updated, and a second route trial calculation result is obtained; determining the content of a transfer transaction flow table according to the route trial update result; if the route trial calculation is successfully updated, the transfer transaction flow table comprises a second route trial calculation result; if the route trial update fails, the transfer transaction flow table comprises a first route trial result; and transferring accounts according to the second routing trial result or the first routing trial result.

Description

Technical Field

[0001] The present disclosure relates to the technical field of scheduled transfer, and in particular to a method, device, electronic device, and storage medium for processing scheduled transfer. Background Art

[0002] The existing scheduled transfer mechanism has some shortcomings, which may cause inconvenience to users when making scheduled transfer transactions and reduce users' satisfaction with the transfer service.

[0003] In the existing scheduled transfer process, routing calculations are completed upon receiving a transaction request. The routing calculation results are not updated when the transfer is initiated, resulting in inaccurate routing calculations. This can lead to transfer failures or increased transfer fees, negatively impacting the user experience. Summary of the Invention

[0004] The present disclosure provides a method, device, electronic device and storage medium for processing scheduled transfers, so as to at least solve the above technical problems existing in the prior art.

[0005] According to a first aspect of the present disclosure, a method for processing a scheduled transfer is provided, wherein the method comprises: Registering a scheduled transfer details table based on a scheduled transfer request issued by a user; the scheduled transfer details table includes at least the scheduled transfer time, transfer amount, payer information, and payee information; Determine whether the scheduled transfer details table is successfully registered; if not, terminate the scheduled transfer operation; if successful, perform pre-processing operations on the scheduled transfer request; Determine the first routing trial calculation result according to the pre-processing operation; When the scheduled transfer time arrives, the routing calculation is updated to obtain the second routing calculation result; Determine the content of the transfer transaction flow sheet based on the updated routing trial calculation results; If the routing trial calculation is successfully updated, the transfer transaction flow table includes the second routing trial calculation result; If the routing trial calculation fails to be updated, the transfer transaction flow table includes the first routing trial calculation result; The transfer is performed according to the second routing trial result or the first routing trial result.

[0006] In one embodiment, the method further comprises: When performing a pre-processing operation on the scheduled transfer request, determining whether the pre-processing operation is successful; If the pre-processing operation is unsuccessful, the status of the scheduled transfer request is updated to a failed status, and the transfer transaction flow table is registered; If the pre-processing operation is successful, the status of the scheduled transfer request is updated to a scheduled successful status.

[0007] In one embodiment, the method further comprises: When the status of the update reservation transfer request is a reservation success status, determine whether the reservation transfer details table is updated successfully; If the update is successful, it means that the scheduled transfer request is approved; If the update is not successful, update the scheduled transfer details table again and determine whether the update is successful; If the update is not successful, the scheduled transfer operation will be terminated; If the update is successful, the transfer transaction flow sheet will be registered and the scheduled transfer operation will be completed.

[0008] In one embodiment, the method further comprises: After determining the content of the transfer transaction flow table according to the routing trial calculation update result, determining whether the transfer transaction flow table is successfully registered; If the registration is successful, the status of the scheduled transfer request will be updated from the scheduled successful status to the scheduled transaction successful status, and the transfer operation will be carried out; If the registration is not successful, determine whether a primary key conflict occurs; If no primary key conflict occurs, the scheduled transfer operation is terminated; If a primary key conflict occurs, the status of the scheduled transfer request will be updated from the scheduled successful status to the scheduled failed status, and the scheduled transfer operation will be terminated.

[0009] According to a second aspect of the present disclosure, a device for processing a scheduled transfer is provided, wherein the device includes: A registration unit, configured to register a scheduled transfer details table according to a scheduled transfer request issued by a user; the scheduled transfer details table at least includes a scheduled transfer time, a transfer amount, payer information, and payee information; The first judgment unit is used to judge whether the scheduled transfer details table is successfully registered; if not, the scheduled transfer operation is terminated; if the registration is successful, the pre-processing operation is performed on the scheduled transfer request; a first determining unit, configured to determine a first routing trial calculation result according to the pre-processing operation; An updating unit, configured to update the routing trial calculation when the scheduled transfer time arrives, obtain the second routing trial calculation result, and register it; a second determining unit, configured to determine the contents of the transfer transaction flow table according to the routing trial calculation update result; if the routing trial calculation update is successful, the transfer transaction flow table includes the second routing trial calculation result; if the routing trial calculation update fails, the transfer transaction flow table includes the first routing trial calculation result; A transfer unit is used to transfer money according to the second routing trial result or the first routing trial result.

[0010] In one embodiment, the device further comprises: a second determining unit, configured to determine whether the pre-processing operation is successful when performing a pre-processing operation on the scheduled transfer request; If the pre-processing operation is unsuccessful, the status of the scheduled transfer request is updated to a failed status, and the transfer transaction flow table is registered; If the pre-processing operation is successful, the status of the scheduled transfer request is updated to a scheduled successful status.

[0011] In one embodiment, the device further comprises: A third judgment unit is used to judge whether the reservation transfer details table is updated successfully when the status of the update reservation transfer request is a reservation success status; If the update is successful, it means that the scheduled transfer request is approved; If the update is not successful, update the scheduled transfer details table again and determine whether the update is successful; If the update is not successful, the scheduled transfer operation will be terminated; If the update is successful, the transfer transaction flow sheet will be registered and the scheduled transfer operation will be completed.

[0012] In one embodiment, the device further comprises: A fourth determination unit is configured to determine whether the transfer transaction flow table is successfully registered after determining the content of the transfer transaction flow table according to the routing trial calculation update result; If the registration is successful, the status of the scheduled transfer request will be updated from the scheduled successful status to the scheduled transaction successful status, and the transfer operation will be carried out; If the registration is not successful, determine whether a primary key conflict occurs; If no primary key conflict occurs, the scheduled transfer operation is terminated; If a primary key conflict occurs, the status of the scheduled transfer request will be updated from the scheduled successful status to the scheduled failed status, and the scheduled transfer operation will be terminated.

[0013] According to a third aspect of the present disclosure, there is provided an electronic device, including: at least one processor; and a memory communicatively connected to the at least one processor; wherein, The memory stores instructions that can be executed by the at least one processor. The instructions are executed by the at least one processor to enable the at least one processor to perform the method described in the present disclosure.

[0014] According to a fourth aspect of the present disclosure, a non-transitory computer-readable storage medium storing computer instructions is provided, wherein the computer instructions are used to cause the computer to execute the method described in the present disclosure.

[0015] The disclosed method, device, electronic device, and storage medium for processing scheduled transfers register a scheduled transfer details table after a scheduled transfer request is issued, for recording transfer details. Then, when the scheduled transfer time arrives, a routing trial calculation is updated again, and a transfer transaction flow table is registered. If the routing trial calculation is subsequently updated successfully, the transfer is performed according to the updated second routing trial calculation result. If the routing trial calculation is not updated successfully, the transfer is performed according to the first routing trial calculation result. Thus, a routing trial calculation is added before the transfer, thereby improving the accuracy of the routing trial calculation and reducing the transfer failure rate caused by inaccurate routing trial calculation results.

[0016] It should be understood that the contents described in this section are not intended to identify the key or important features of the embodiments of the present disclosure, nor are they intended to limit the scope of the present disclosure. Other features of the present disclosure will become readily understood through the following description. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] The above and other objects, features and advantages of the exemplary embodiments of the present disclosure will become readily understood by reading the detailed description below with reference to the accompanying drawings, in which several embodiments of the present disclosure are shown by way of example and not limitation, wherein: In the drawings, the same or corresponding reference numerals denote the same or corresponding parts.

[0018] Figure 1 A flowchart of a method for processing a scheduled transfer provided in an embodiment of the present disclosure; Figure 2 Detailed process of the method for processing scheduled transfer provided by the embodiment of the present disclosure Figure 1 ; Figure 3 Detailed process of the method for processing scheduled transfer provided by the embodiment of the present disclosure Figure 2 ; Figure 4 A schematic diagram of the structure of a device for processing a scheduled transfer provided in an embodiment of the present disclosure; Figure 5 A schematic diagram of the structure of an electronic device according to an embodiment of the present disclosure is shown. DETAILED DESCRIPTION

[0019] To make the purposes, features, and advantages of the present disclosure more apparent and understandable, the technical solutions in the embodiments of the present disclosure will be clearly and completely described below in conjunction with the accompanying drawings. Obviously, the described embodiments are only part of the embodiments of the present disclosure, not all of them. All other embodiments obtained by those skilled in the art based on the embodiments of the present disclosure without creative work shall fall within the scope of protection of the present disclosure.

[0020] The present disclosure provides a method for processing a scheduled transfer. Figure 1 This is a flowchart of a method for processing a scheduled transfer provided by an embodiment of the present disclosure. Figure 2 Detailed process of the method for processing scheduled transfer provided by the embodiment of the present disclosure Figure 1 , Figure 3 Detailed process of the method for processing scheduled transfer provided by the embodiment of the present disclosure Figure 2 ,in, Figure 3 for Figure 2 Continuation of . Figures 1 to 3 As shown, the method includes: Step 101: register a scheduled transfer details table according to a scheduled transfer request sent by a user; the scheduled transfer details table at least includes the scheduled transfer time, transfer amount, payer information, and payee information.

[0021] After the user sends a scheduled transfer request, the bank's internal system related to the scheduled transfer will register the scheduled transfer details table. At this time, the status of the scheduled transfer details table is the initial state P0, which also indicates that the status of the scheduled transfer request is the initial state.

[0022] The scheduled transfer details table includes a scheduled time control table, which can be used to configure the scheduled transfer time.

[0023] In the prior art, the maximum supported scheduled transfer period is limited by the maximum retention period of the transfer transaction flow table (currently 30 days). This limits users' ability to schedule transfers for longer periods and fails to meet the needs of some users for long-term scheduled transfers. Therefore, in the present disclosure, by registering a scheduled transfer details table upon receiving a scheduled transfer request, adding a scheduled time control table to the scheduled transfer details table, and separately configuring the scheduled time control table to store the scheduled transfer time, this overcomes the limitations of the existing maximum retention period of the transfer transaction flow table and can meet users' needs for long-term scheduled transfers.

[0024] The scheduled transfer details table also includes the transfer amount, payer information and payee information. The payer information may include the payer's name, payment account number, opening bank, etc., and the payee information may include the payee's name, payment account number, opening bank, etc.

[0025] At the same time, the reservation transfer details table may also include some other information, such as the purpose of the transfer.

[0026] The scheduled transfer details table uses a large field structure, which can store more detailed information and provide more comprehensive data support for subsequent transfer processing. Furthermore, considering the potential addition of important fields to the subsequent transfer transaction flow table, this design is highly scalable and forward-looking, adapting to possible future system upgrades and functional expansions while ensuring data integrity and accuracy.

[0027] Step 102, determining whether the scheduled transfer details table is successfully registered; if not, ending the scheduled transfer operation; if successful, performing pre-processing operations on the scheduled transfer request.

[0028] When registering the scheduled transfer details, you need to determine whether the registration is successful. Only if the registration is successful can you continue with subsequent operations. If the registration fails, the scheduled transfer operation will be terminated.

[0029] Specifically, if the scheduled transfer details table is not successfully registered, the transfer transaction flow table is registered. The transfer transaction flow table includes all other information in the scheduled transfer details table except the scheduled transfer time. At this time, the transfer transaction flow table stores a record indicating that a database error occurred and that the scheduled transfer request is in the reservation failure state F1 for subsequent verification.

[0030] Next, determine whether the transfer transaction flow sheet is successfully registered. If so, return to the channel, which can refer to the user, to inform the user that the scheduled transfer has failed. The user can then re-initiate the scheduled transfer. If not, perform global exception handling, inform the user of the system abnormality, and perform manual processing later.

[0031] Next, if the scheduled transfer details table is registered successfully, you can perform pre-processing operations.

[0032] Step 103: Determine the first routing trial result based on the pre-processing operation.

[0033] Pre-processing is a series of operations performed before a transfer. During pre-processing, a routing calculation is performed to obtain the initial routing calculation results. Routing calculation refers to the process by which the system intelligently selects the optimal payment channel and method for a payment transfer using a series of rules and algorithms. Subsequent transfers can be made based on the routing calculation results.

[0034] In one embodiment, the method further comprises: when performing a pre-processing operation on the scheduled transfer request, determining whether the pre-processing operation is successful; If the pre-processing operation is unsuccessful, the status of the scheduled transfer request is updated to the failed status, and the transfer transaction flow table is recorded; If the pre-processing operation is successful, the status of the scheduled transfer request is updated to the scheduled successful status.

[0035] Specifically, if the pre-processing operation is unsuccessful, the scheduled transfer details table will be updated to the scheduled failed state F1, which also means that the entire scheduled transfer request is in the scheduled failed state. Then, a record of the failed scheduled transfer request is also saved in the transfer transaction flow table, and the user is informed that the scheduled transfer has failed. The user can subsequently re-initiate the scheduled transfer.

[0036] If the pre-processing operation is successful, the reservation transfer details table is updated to the reservation success status I1, which also indicates that the reservation transfer request is in the reservation success status.

[0037] In one embodiment, when the status of the update reservation transfer request is a reservation success status, it is determined whether the reservation transfer details table is updated successfully; If the update is successful, it means that the scheduled transfer request is approved; If the update is not successful, update the scheduled transfer details table again and determine whether the update is successful; If the update is not successful, the scheduled transfer operation will be terminated; If the update is successful, the transfer transaction flow sheet will be registered and the scheduled transfer operation will be completed.

[0038] Specifically, if the scheduled transfer details table is updated successfully, it means that the scheduled transfer request is approved, and the user is informed that the reservation is successful. When the scheduled transfer time arrives, the transaction will be sent.

[0039] If the scheduled transfer details table is not updated successfully, the scheduled transfer details table will be updated again. If the update is still unsuccessful, global exception processing will be performed to inform the user of the system exception and manual processing will be carried out later. If the update is successful, the transfer transaction flow table will be registered and a record of the failed scheduled transfer request will be saved in the transfer transaction flow table. The user will then be informed that the scheduled transfer appointment has failed and the user can subsequently re-initiate the scheduled transfer.

[0040] Next, see Figure 3 After the scheduled transfer request is approved, the system will send a scheduled task. Each time the scheduled task is triggered, it will query the scheduled transfer details table for transfer transactions that have reached the scheduled transfer time and are in the scheduled success status I1, and then process the transaction.

[0041] Step 104: When the scheduled transfer time arrives, the routing calculation is updated to obtain a second routing calculation result.

[0042] When the scheduled transfer time arrives, a routing calculation is performed again. This is because there can be a significant gap between the initial transaction initiation and the actual transaction, and some payment channels may have changed during this time. If the previous routing calculation result is still used, it may cause transfer failures or increased transfer fees. This additional routing calculation before the transfer improves its accuracy and reduces the rate of transfer failures caused by inaccurate routing calculation results.

[0043] Step 105: Determine the contents of the transfer transaction flow table based on the routing trial calculation update result. If the routing trial calculation update is successful, the transfer transaction flow table includes the second routing trial calculation result. If the routing trial calculation update fails, the transfer transaction flow table includes the first routing trial calculation result.

[0044] Specifically, when updating a routing calculation, the update may fail due to network fluctuations or other reasons. In this case, the system will use a continued processing mechanism to continue the transaction using the first routing calculation result, thereby increasing the likelihood of a successful transaction. In this disclosure, by considering the risk of failure and preparing countermeasures in advance, the system can better manage potential risks, reduce transaction failures caused by routing calculation update failures, and thus improve the user experience.

[0045] Step 106: Transfer the funds based on the second routing trial result or the first routing trial result.

[0046] In one embodiment, the method further includes: after determining the content of the transfer transaction flow table according to the routing trial calculation update result, determining whether the transfer transaction flow table is successfully registered; If the registration is successful, the status of the scheduled transfer request will be updated from the scheduled successful status to the scheduled transaction successful status, and the transfer operation will be carried out; If the registration is not successful, determine whether a primary key conflict occurs; If no primary key conflict occurs, the scheduled transfer operation is terminated; If a primary key conflict occurs, the status of the scheduled transfer request will be updated from the scheduled successful status to the scheduled failed status, and the scheduled transfer operation will be terminated.

[0047] Specifically, if the transfer transaction flow table is successfully registered, it indicates that the scheduled transfer request has reached the formal transfer stage. At this point, the scheduled transfer details table is updated to the scheduled transaction success status S0, indicating that the scheduled transfer request has reached the scheduled transaction success status. The scheduled transaction success status means that the transaction has been successfully issued. After that, the transfer request can be submitted and the transfer can proceed. During the transfer process, if the routing calculation is updated successfully, the transfer can be made based on the second routing calculation result. If the routing calculation fails, the transfer is made based on the first routing calculation result. After receiving the transfer request, the system issues a credit transaction to the account, transferring the funds to the recipient. After the transfer is completed, the result is returned and the transfer transaction flow table is updated.

[0048] If the transfer transaction flow sheet fails to register, a check is performed to determine whether a primary key conflict has occurred. A primary key conflict refers to the existence of a scheduled transfer transaction request in the system with the same content as the current scheduled transfer request. If no primary key conflict has occurred, the operation is terminated. If a primary key conflict has occurred, both the scheduled transfer details table and the transfer transaction flow sheet are updated to a failed status, indicating that the scheduled transfer request has failed. A record of the failed scheduled transfer request is also saved in the transfer transaction flow sheet.

[0049] In this disclosure, interfaces related to scheduled transfers are designed to ensure that after receiving a scheduled transfer request, a scheduled transfer details table is first registered. The scheduled transfer details table can be used to control when the transfer transaction is sent. Then, after the scheduled task obtains the transaction to be sent, the transfer transaction flow table is registered. The transfer transaction flow table can save the details of the transfer transaction, so that data can be accurately transmitted and processed.

[0050] The disclosed embodiment also provides a processing device for scheduled transfer. Figure 4 A schematic diagram of the structure of the processing device for scheduled transfer provided by the embodiment of the present disclosure, such as Figure 4 As shown, the device includes: The registration unit 401 is used to register a scheduled transfer details table according to a scheduled transfer request issued by a user; the scheduled transfer details table includes at least the scheduled transfer time, transfer amount, payer information, and payee information; The first judgment unit 402 is used to judge whether the reservation transfer details table is successfully registered; if not, the reservation transfer operation is terminated; if the registration is successful, the reservation transfer request is pre-processed; A first determining unit 403 is configured to determine a first routing trial result based on a pre-processing operation; An updating unit 404 is used to update the routing calculation when the scheduled transfer time arrives, obtain the second routing calculation result, and register it; The second determining unit 405 is configured to determine the contents of the transfer transaction flow table based on the routing trial calculation update result. If the routing trial calculation update is successful, the transfer transaction flow table includes the second routing trial calculation result; if the routing trial calculation update fails, the transfer transaction flow table includes the first routing trial calculation result. The transfer unit 406 is used to transfer funds according to the second routing trial result or the first routing trial result.

[0051] In one embodiment, the apparatus further comprises: a second judgment unit configured to judge whether the pre-processing operation is successful when performing the pre-processing operation on the scheduled transfer request; If the pre-processing operation is unsuccessful, the status of the scheduled transfer request is updated to the failed status, and the transfer transaction flow table is recorded; If the pre-processing operation is successful, the status of the scheduled transfer request is updated to the scheduled successful status.

[0052] In one embodiment, the apparatus further comprises: a third judgment unit configured to judge whether the reservation transfer details table is updated successfully when the status of the request for updating the reservation transfer is a reservation success status; If the update is successful, it means that the scheduled transfer request is approved; If the update is not successful, update the scheduled transfer details table again and determine whether the update is successful; If the update is not successful, the scheduled transfer operation will be terminated; If the update is successful, the transfer transaction flow sheet will be registered and the scheduled transfer operation will be completed.

[0053] In one embodiment, the apparatus further comprises: a fourth determination unit configured to determine whether the transfer transaction flow table is successfully registered after determining the content of the transfer transaction flow table according to the routing trial calculation update result; If the registration is successful, the status of the scheduled transfer request will be updated from the scheduled successful status to the scheduled transaction successful status, and the transfer operation will be carried out; If the registration is not successful, determine whether a primary key conflict occurs; If no primary key conflict occurs, the scheduled transfer operation is terminated; If a primary key conflict occurs, the status of the scheduled transfer request will be updated from the scheduled successful status to the scheduled failed status, and the scheduled transfer operation will be terminated.

[0054] It should be noted that the above description of the embodiment of the processing device for scheduled transfer is different from the above description of the embodiment of the processing device for scheduled transfer. Figures 1 to 3 The description of the method embodiment shown is similar, with the same Figures 1 to 3 The method embodiment shown has similar beneficial effects, so it will not be described in detail. For technical details not disclosed in the embodiment of the processing device for scheduled transfer of the present disclosure, please refer to the aforementioned Figures 1 to 3The description of the method embodiment shown in the figure is understood, and in order to save space, it is not repeated here.

[0055] According to an embodiment of the present disclosure, the present disclosure also provides an electronic device and a readable storage medium.

[0056] Figure 5 A schematic block diagram of an example electronic device 500 that can be used to implement embodiments of the present disclosure is shown. The electronic device is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device can also represent various forms of mobile devices, such as personal digital assistants, cellular phones, smartphones, wearable devices, and other similar computing devices. The components shown herein, their connections and relationships, and their functions are provided as examples only and are not intended to limit the implementation of the present disclosure described and / or claimed herein.

[0057] like Figure 5 As shown, device 500 includes a computing unit 501, which can perform various appropriate actions and processes according to a computer program stored in a read-only memory (ROM) 502 or a computer program loaded from a storage unit 508 into a random access memory (RAM) 503. RAM 503 may also store various programs and data required for the operation of device 500. Computing unit 501, ROM 502, and RAM 503 are connected to each other via a bus 504. An input / output (I / O) interface 505 is also connected to bus 504.

[0058] Various components in device 500 are connected to I / O interface 505, including: an input unit 506, such as a keyboard, mouse, etc.; an output unit 507, such as various types of displays, speakers, etc.; a storage unit 508, such as a magnetic disk, optical disk, etc.; and a communication unit 509, such as a network card, modem, wireless communication transceiver, etc. The communication unit 509 allows device 500 to exchange information / data with other devices via a computer network such as the Internet and / or various telecommunication networks.

[0059] The computing unit 501 can be any general-purpose and / or specialized processing component with processing and computing capabilities. Some examples of the computing unit 501 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various specialized artificial intelligence (AI) computing chips, various computing units running machine learning model algorithms, a digital signal processor (DSP), and any suitable processor, controller, microcontroller, etc. The computing unit 501 performs the various methods and processes described above, such as the method for processing scheduled transfers. For example, in some embodiments, the method for processing scheduled transfers can be implemented as a computer software program tangibly embodied in a machine-readable medium, such as the storage unit 508. In some embodiments, part or all of the computer program can be loaded and / or installed onto the device 500 via the ROM 502 and / or the communication unit 509. When the computer program is loaded into the RAM 503 and executed by the computing unit 501, one or more steps of the method for processing scheduled transfers described above can be performed. Alternatively, in other embodiments, the computing unit 501 can be configured to perform the method for processing scheduled transfers via any other suitable means (e.g., via firmware).

[0060] Various embodiments of the systems and techniques described herein can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on a chip (SOCs), complex programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various embodiments can include being implemented in one or more computer programs that are executable and / or interpreted on a programmable system that includes at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.

[0061] The program code for implementing the method of the present disclosure can be written in any combination of one or more programming languages. These program codes can be provided to a processor or controller of a general-purpose computer, a special-purpose computer, or other programmable data processing device so that when the program code is executed by the processor or controller, the functions / operations specified in the flow chart and / or block diagram are implemented. The program code can be executed entirely on the machine, partially on the machine, as a stand-alone software package, partially on the machine and partially on a remote machine, or entirely on a remote machine or server.

[0062] In the context of the present disclosure, a machine-readable medium may be a tangible medium that may contain or store a program for use by or in conjunction with an instruction execution system, apparatus, or device. A machine-readable medium may be a machine-readable signal medium or a machine-readable storage medium. A machine-readable medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing. More specific examples of machine-readable storage media may include an electrical connection based on 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), optical fibers, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0063] To provide interaction with a user, the systems and techniques described herein can be implemented on a computer having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and pointing device (e.g., a mouse or trackball) through which the user can provide input to the computer. Other types of devices can also be used to provide interaction with the user; for example, the feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user can be received in any form (including acoustic input, voice input, or tactile input).

[0064] The systems and techniques described herein can be implemented in a computing system that includes back-end components (e.g., as a data server), or a computing system that includes middleware components (e.g., an application server), or a computing system that includes front-end components (e.g., a user computer with a graphical user interface or a web browser through which a user can interact with implementations of the systems and techniques described herein), or a computing system that includes any combination of such back-end components, middleware components, or front-end components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include a local area network (LAN), a wide area network (WAN), and the Internet.

[0065] A computer system may include a client and a server. The client and server are generally remote from each other and typically interact through a communication network. The client-server relationship arises through computer programs running on the respective computers and having a client-server relationship with each other. The server may be a cloud server, a server in a distributed system, or a server integrated with a blockchain.

[0066] It should be understood that the various forms of processes shown above can be used to reorder, add, or delete steps. For example, the steps described in this disclosure can be performed in parallel, sequentially, or in a different order, as long as the desired results of the technical solutions of this disclosure can be achieved, and this document is not limited here.

[0067] Furthermore, the terms "first" and "second" are used for descriptive purposes only and should not be construed as indicating or implying relative importance or implicitly specifying the number of technical features being referred to. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. Throughout the present disclosure, "plurality" means two or more, unless otherwise specifically defined.

[0068] The above description is merely a specific embodiment of the present disclosure, but the scope of protection of the present disclosure is not limited thereto. Any changes or substitutions that can be easily conceived by a person skilled in the art within the technical scope disclosed in this disclosure should be included in the scope of protection of the present disclosure. Therefore, the scope of protection of the present disclosure should be based on the scope of protection of the claims.

Claims

1. A method for processing a scheduled transfer, characterized in that: The method comprises: Registering a scheduled transfer details table based on a scheduled transfer request issued by a user; the scheduled transfer details table includes at least the scheduled transfer time, transfer amount, payer information, and payee information; Determine whether the scheduled transfer details table is successfully registered; if not, terminate the scheduled transfer operation; if successful, perform pre-processing operations on the scheduled transfer request; Determine the first routing trial calculation result according to the pre-processing operation; When the scheduled transfer time arrives, the routing calculation is updated to obtain the second routing calculation result; Determine the content of the transfer transaction flow sheet based on the updated routing trial calculation results; If the routing trial calculation is successfully updated, the transfer transaction flow table includes the second routing trial calculation result; If the routing trial calculation fails to be updated, the transfer transaction flow table includes the first routing trial calculation result; The transfer is performed according to the second routing trial result or the first routing trial result.

2. The method according to claim 1, characterized in that The method further comprises: When performing a pre-processing operation on the scheduled transfer request, determining whether the pre-processing operation is successful; If the pre-processing operation is unsuccessful, the status of the scheduled transfer request is updated to a failed status, and the transfer transaction flow table is registered; If the pre-processing operation is successful, the status of the scheduled transfer request is updated to a scheduled successful status.

3. The method according to claim 2, characterized in that The method further comprises: When the status of the update reservation transfer request is a reservation success status, determine whether the reservation transfer details table is updated successfully; If the update is successful, it means that the scheduled transfer request is approved; If the update is not successful, update the scheduled transfer details table again and determine whether the update is successful; If the update is not successful, the scheduled transfer operation will be terminated; If the update is successful, the transfer transaction flow sheet will be registered and the scheduled transfer operation will be completed.

4. The method according to claim 2, characterized in that The method further comprises: After determining the content of the transfer transaction flow table according to the routing trial calculation update result, determining whether the transfer transaction flow table is successfully registered; If the registration is successful, the status of the scheduled transfer request will be updated from the scheduled successful status to the scheduled transaction successful status, and the transfer operation will be carried out; If the registration is not successful, determine whether a primary key conflict occurs; If no primary key conflict occurs, the scheduled transfer operation is terminated; If a primary key conflict occurs, the status of the scheduled transfer request will be updated from the scheduled successful status to the scheduled failed status, and the scheduled transfer operation will be terminated.

5. A device for processing scheduled transfers, characterized in that: The device comprises: A registration unit, configured to register a scheduled transfer details table according to a scheduled transfer request issued by a user; the scheduled transfer details table at least includes a scheduled transfer time, a transfer amount, payer information, and payee information; The first judgment unit is used to judge whether the scheduled transfer details table is successfully registered; if not, the scheduled transfer operation is terminated; if the registration is successful, the pre-processing operation is performed on the scheduled transfer request; a first determining unit, configured to determine a first routing trial calculation result according to the pre-processing operation; An updating unit, configured to update the routing calculation when the scheduled transfer time arrives, obtain the second routing calculation result, and register it; a second determining unit, configured to determine the contents of the transfer transaction flow table according to the routing trial calculation update result; if the routing trial calculation update is successful, the transfer transaction flow table includes the second routing trial calculation result; if the routing trial calculation update fails, the transfer transaction flow table includes the first routing trial calculation result; A transfer unit is used to transfer money according to the second routing trial result or the first routing trial result.

6. The device according to claim 5, characterized in that The device further comprises: a second determining unit, configured to determine whether the pre-processing operation is successful when performing a pre-processing operation on the scheduled transfer request; If the pre-processing operation is unsuccessful, the status of the scheduled transfer request is updated to a failed status, and the transfer transaction flow table is registered; If the pre-processing operation is successful, the status of the scheduled transfer request is updated to a scheduled successful status.

7. The device according to claim 6, characterized in that The device further comprises: A third judgment unit is used to judge whether the reservation transfer details table is updated successfully when the status of the update reservation transfer request is a reservation success status; If the update is successful, it means that the scheduled transfer request is approved; If the update is not successful, update the scheduled transfer details table again and determine whether the update is successful; If the update is not successful, the scheduled transfer operation will be terminated; If the update is successful, the transfer transaction flow sheet will be registered and the scheduled transfer operation will be completed.

8. The device according to claim 6, characterized in that The device further comprises: A fourth determination unit is configured to determine whether the transfer transaction flow table is successfully registered after determining the content of the transfer transaction flow table according to the routing trial calculation update result; If the registration is successful, the status of the scheduled transfer request will be updated from the scheduled successful status to the scheduled transaction successful status, and the transfer operation will be carried out; If the registration is not successful, determine whether a primary key conflict occurs; If no primary key conflict occurs, the scheduled transfer operation is terminated; If a primary key conflict occurs, the status of the scheduled transfer request will be updated from the scheduled successful status to the scheduled failed status, and the scheduled transfer operation will be terminated.

9. An electronic device, characterized in that: include: at least one processor; and a memory communicatively connected to the at least one processor; wherein, The memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to perform the method according to any one of claims 1 to 4.

10. A non-transitory computer-readable storage medium storing computer instructions, characterized in that: The computer instructions are used to enable a computer to execute the method according to any one of claims 1 to 4.

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