A processing method and device for pre-booking a transfer, an electronic device, and a storage medium

Abstract

The present disclosure provides a processing method and device for pre-appointment transfer, electronic equipment and storage medium, wherein the method comprises: registering a pre-appointment transfer detail table according to a pre-appointment transfer request issued by a user; determining whether the pre-appointment transfer detail table is successfully registered; if not, ending the pre-appointment transfer operation; if yes, performing a pre-processing operation on the pre-appointment transfer request; determining a first routing trial result according to the pre-processing operation; updating the routing trial when the pre-appointment transfer time is reached to obtain a second routing trial result; determining the content of a transfer transaction log according to the routing trial update result; if the routing trial update is successful, the transfer transaction log comprises the second routing trial result; if the routing trial update fails, the transfer transaction log comprises the first routing trial result; and performing the transfer according to the second routing trial result or the first routing trial result.

Description

Technical Field

[0001] This disclosure relates to the field of scheduled transfer technology, and in particular to a method, apparatus, electronic device and storage medium for scheduled transfer processing. Background Technology

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

[0003] In the current scheduled transfer process, the routing calculation is completed upon receiving the transaction request, but the result is not updated when the transfer is initiated, leading to inaccurate routing calculations. This may cause transfer failures or increased transfer fees, impacting user experience. Summary of the Invention

[0004] This disclosure provides a method, apparatus, electronic device, and storage medium for processing scheduled transfers, in order to at least solve the above-mentioned technical problems existing in the prior art.

[0005] According to a first aspect of this disclosure, a method for processing pre-arranged transfers is provided, wherein the method includes:

[0006] Based on the user's scheduled transfer request, a scheduled transfer details table is recorded; the scheduled transfer details table includes at least the scheduled transfer time, transfer amount, payer information, and payee information;

[0007] Determine whether the scheduled transfer details have been successfully registered; if not, end the scheduled transfer operation; if registered successfully, perform pre-processing operations on the scheduled transfer request.

[0008] Based on the preprocessing operations, determine the result of the first route trial calculation;

[0009] When the scheduled transfer time arrives, the route calculation is updated to obtain the second route calculation result;

[0010] Based on the routing trial update results, determine the contents of the transfer transaction log;

[0011] If the routing trial update is successful, the transaction log will include the results of the second routing trial.

[0012] If the route calculation update fails, the transaction log includes the result of the first route calculation.

[0013] Transfers will be made based on either the second or first route calculation result.

[0014] In one possible implementation, the method further includes:

[0015] When performing pre-processing operations on the scheduled transfer request, it is determined whether the pre-processing operation is successful;

[0016] If the preprocessing operation is unsuccessful, the status of the scheduled transfer request is updated to the scheduled transfer failure status, and the transfer transaction log is recorded.

[0017] If the preprocessing operation is successful, the status of the appointment transfer request will be updated to appointment successful.

[0018] In one possible implementation, the method further includes:

[0019] When the status of the scheduled transfer request is updated to the scheduled transfer success status, check whether the scheduled transfer details table has been updated successfully.

[0020] If the update is successful, it means the scheduled transfer request has been approved.

[0021] If the update is unsuccessful, update the scheduled transfer details table again and determine if the update was successful.

[0022] If the update is unsuccessful, the scheduled transfer operation will be terminated.

[0023] If the update is successful, the transfer transaction record will be registered, and the scheduled transfer operation will be terminated.

[0024] In one possible implementation, the method further includes:

[0025] After determining the contents of the transfer transaction log based on the routing trial update results, it is determined whether the transfer transaction log has been successfully registered;

[0026] If registration is successful, the status of the scheduled transfer request will be updated from "successful reservation" to "successful scheduled transaction," and the transfer operation will be performed.

[0027] If registration fails, determine whether a primary key conflict has occurred.

[0028] If no primary key conflict occurs, the scheduled transfer operation will be terminated.

[0029] If a primary key conflict occurs, the status of the scheduled transfer request will be updated from successful to failed, and the scheduled transfer operation will be terminated.

[0030] According to a second aspect of this disclosure, a processing apparatus for scheduled transfers is provided, wherein the apparatus includes:

[0031] The registration unit is used to register a scheduled transfer details table based on the scheduled transfer request issued by the user; the scheduled transfer details table includes at least the scheduled transfer time, transfer amount, payer information and payee information;

[0032] The first judgment unit is used to determine whether the scheduled transfer details have been successfully registered; if the registration is unsuccessful, the scheduled transfer operation ends; if the registration is successful, the scheduled transfer request is pre-processed.

[0033] The first determining unit is used to determine the result of the first route trial calculation based on the preprocessing operation.

[0034] The update unit is used to update the route calculation when the scheduled transfer time arrives, obtain the second route calculation result, and register it.

[0035] The second determining unit is used to determine the contents of the transfer transaction log based on the routing trial update result; if the routing trial update is successful, the transfer transaction log includes the second routing trial result; if the routing trial update fails, the transfer transaction log includes the first routing trial result.

[0036] The transfer unit is used to transfer funds based on the result of the second route trial calculation or the result of the first route trial calculation.

[0037] In one possible embodiment, the device further includes:

[0038] The second judgment unit is used to determine whether the pre-processing operation is successful when performing pre-processing operation on the scheduled transfer request.

[0039] If the preprocessing operation is unsuccessful, the status of the scheduled transfer request is updated to the scheduled transfer failure status, and the transfer transaction log is recorded.

[0040] If the preprocessing operation is successful, the status of the appointment transfer request will be updated to appointment successful.

[0041] In one possible embodiment, the device further includes:

[0042] The third judgment unit is used to determine whether the reservation transfer details table has been successfully updated when the status of the updated reservation transfer request is in the reservation success status.

[0043] If the update is successful, it means the scheduled transfer request has been approved.

[0044] If the update is unsuccessful, update the scheduled transfer details table again and determine if the update was successful.

[0045] If the update is unsuccessful, the scheduled transfer operation will be terminated.

[0046] If the update is successful, the transfer transaction record will be registered, and the scheduled transfer operation will be terminated.

[0047] In one possible embodiment, the device further includes:

[0048] The fourth judgment unit is used to determine whether the transfer transaction record has been successfully registered after determining the contents of the transfer transaction record based on the routing trial update result.

[0049] If registration is successful, the status of the scheduled transfer request will be updated from "successful reservation" to "successful scheduled transaction," and the transfer operation will be performed.

[0050] If registration fails, determine whether a primary key conflict has occurred.

[0051] If no primary key conflict occurs, the scheduled transfer operation will be terminated.

[0052] If a primary key conflict occurs, the status of the scheduled transfer request will be updated from successful to failed, and the scheduled transfer operation will be terminated.

[0053] According to a third aspect of this disclosure, an electronic device is provided, comprising:

[0054] At least one processor; and a memory communicatively connected to said at least one processor; wherein,

[0055] The memory stores instructions that can be executed by the at least one processor to enable the at least one processor to perform the methods described in this disclosure.

[0056] According to a fourth aspect of this disclosure, a non-transitory computer-readable storage medium is provided storing computer instructions for causing the computer to perform the methods described in this disclosure.

[0057] The method, apparatus, electronic device, and storage medium for processing scheduled transfers disclosed herein register a scheduled transfer details table after a scheduled transfer request is issued. This table records the transfer details. Then, when the scheduled transfer time arrives, a routing calculation is updated again, and a transfer transaction log is registered simultaneously. If the routing calculation is successfully updated, the transfer is performed according to the updated second routing calculation result. If the routing calculation is not successfully updated, the transfer is performed according to the first routing calculation result. In this way, an additional routing calculation is performed before the transfer, improving the accuracy of the routing calculation and reducing the transfer failure rate caused by inaccurate routing calculation results.

[0058] It should be understood that the description in this section is not intended to identify key or essential features of the embodiments of this disclosure, nor is it intended to limit the scope of this disclosure. Other features of this disclosure will become readily apparent from the following description. Attached Figure Description

[0059] The above and other objects, features, and advantages of this disclosure will become readily apparent from the following detailed description of exemplary embodiments, taken in conjunction with the accompanying drawings. Several embodiments of this disclosure are illustrated in the drawings by way of example and not limitation, in which:

[0060] In the accompanying drawings, the same or corresponding reference numerals indicate the same or corresponding parts.

[0061] Figure 1 A flowchart illustrating the pre-arranged transfer processing method provided in this embodiment of the disclosure;

[0062] Figure 2 Detailed flowchart of the pre-arranged transfer processing method provided in the embodiments of this disclosure Figure 1 ;

[0063] Figure 3 Detailed flowchart of the pre-arranged transfer processing method provided in the embodiments of this disclosure Figure 2 ;

[0064] Figure 4 A schematic diagram of the structure of the pre-arranged transfer processing device provided in an embodiment of this disclosure;

[0065] Figure 5 A schematic diagram of the composition structure of an electronic device according to an embodiment of the present disclosure is shown. Detailed Implementation

[0066] To make the objectives, features, and advantages of this disclosure more apparent and understandable, the technical solutions in the embodiments of this disclosure will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only a part of the embodiments of this disclosure, and not all of them. All other embodiments obtained by those skilled in the art based on the embodiments of this disclosure without creative effort are within the scope of protection of this disclosure.

[0067] This disclosure provides a method for processing pre-arranged fund transfers. Figure 1 The flowchart below shows the pre-arranged transfer processing method provided in this embodiment of the disclosure. Figure 2 Detailed flowchart of the pre-arranged transfer processing method provided in the embodiments of this disclosure Figure 1 , Figure 3 Detailed flowchart of the pre-arranged transfer processing method provided in the embodiments of this disclosure Figure 2 ,in, Figure 3 for Figure 2 The following image is a continuation of the previous one. (Example:) Figures 1 to 3 As shown, the method includes:

[0068] Step 101: Based on the user's scheduled transfer request, register the scheduled transfer details; the scheduled transfer details shall include at least the scheduled transfer time, transfer amount, payer information and payee information.

[0069] After a user submits a scheduled transfer request, the bank's internal system related to scheduled transfers registers the scheduled transfer details in a 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.

[0070] The scheduled transfer details table includes a scheduled time control table, which can be used to configure scheduled transfer times.

[0071] In related technologies, the longest supported scheduled transfer time is limited by the maximum retention period of the transfer transaction log (currently 30 days), which restricts users from making long-term scheduled transfers and cannot meet the needs of some users for long-term scheduled transfers. Therefore, in this disclosure, by registering the scheduled transfer details table upon receiving the scheduled transfer request, adding a scheduled transfer time control table to the scheduled transfer details table, and storing the scheduled transfer time by configuring the scheduled transfer time control table separately, the limitation of the original maximum retention period of the transfer transaction log is broken, thus meeting the needs of users for long-term scheduled transfers.

[0072] The scheduled transfer details also include the transfer amount, payer information, and payee information. The payer information may include the payer's name, payment account, and bank name, while the payee information may include the payee's name, payment account, and bank name.

[0073] The scheduled transfer details can also include other information, such as the purpose of the transfer.

[0074] 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. At the same time, considering the possibility of adding important fields to the transfer transaction log table later, this design has good scalability and foresight, adapting to possible future system upgrades and functional expansions, and ensuring data integrity and accuracy.

[0075] Step 102: Determine whether the scheduled transfer details have been successfully registered; if not, end the scheduled transfer operation; if registered successfully, perform pre-processing operations on the scheduled transfer request.

[0076] When registering the scheduled transfer details, it is necessary to determine whether the registration was successful. Only if the registration is successful can the subsequent operations continue. If the registration fails, the scheduled transfer operation will end.

[0077] Specifically, if the scheduled transfer details are not successfully registered, the process begins registering the transfer transaction log, which includes all information from the scheduled transfer details except for the scheduled transfer time. At this point, a record indicating a database error and a failed scheduled transfer request (status F1) is saved in the transfer transaction log for later verification.

[0078] Next, it checks whether the transfer transaction record has been successfully registered. If the registration is successful, it returns to the channel (which can refer to the user) and informs the user that the scheduled transfer has failed and the user can re-initiate the scheduled transfer later. If the registration is unsuccessful, it performs global exception handling and informs the user of the system error, which will be handled manually later.

[0079] Next, if the reservation transfer details are successfully registered, the pre-processing operation can be carried out.

[0080] Step 103: Determine the result of the first route trial calculation based on the preprocessing operation.

[0081] Pre-processing is a series of operations performed before a transfer. During pre-processing, a routing trial is conducted to obtain the initial result. Routing trial refers to the process by which the system intelligently selects the optimal payment channel and method using a series of rules and algorithms during a payment transfer. Subsequent transfers can then be processed based on the routing trial results.

[0082] In one embodiment, the method further includes: determining whether the preprocessing operation is successful when performing preprocessing operations on the scheduled transfer request;

[0083] If the preprocessing operation is unsuccessful, update the status of the scheduled transfer request to the scheduled failure status and register the transfer transaction log.

[0084] If the preprocessing operation is successful, the status of the scheduled transfer request will be updated to "successful appointment".

[0085] Specifically, if the preprocessing operation fails, the scheduled transfer details table will be updated to the scheduled transfer failure status F1, which also means that the entire scheduled transfer request is in the scheduled transfer failure status. Then, a record of the scheduled transfer request failure will also be saved in the transfer transaction log table. The user will then be informed that the scheduled transfer has failed and the user can re-initiate the scheduled transfer later.

[0086] If the preprocessing operation is successful, the scheduled transfer details table will be updated to the scheduled transfer status I1, which also indicates that the scheduled transfer request is in the scheduled transfer status.

[0087] In one embodiment, when the status of the appointment transfer request is updated to the appointment success status, it is determined whether the appointment transfer details table has been updated successfully.

[0088] If the update is successful, it means the scheduled transfer request has been approved.

[0089] If the update is unsuccessful, update the scheduled transfer details table again and determine if the update was successful.

[0090] If the update is unsuccessful, the scheduled transfer operation will be terminated.

[0091] If the update is successful, the transfer transaction record will be registered, and the scheduled transfer operation will be terminated.

[0092] Specifically, if the scheduled transfer details table is updated successfully, it indicates that the scheduled transfer request has been approved, informing the user that the reservation was successful, and the transaction will be initiated when the scheduled transfer time arrives.

[0093] If the scheduled transfer details table fails to update successfully, it will be updated again. If this update also fails, a global exception will be handled, and the user will be notified of the system error and that manual processing will follow. If the update succeeds, the transfer transaction log will be recorded, and a record of the failed scheduled transfer request will be saved in the transfer transaction log. The user will then be notified that the scheduled transfer has failed and that the user can re-initiate the scheduled transfer later.

[0094] Next, see Figure 3 After a 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 have a status of successful reservation I1, and then process the transaction.

[0095] Step 104: When the scheduled transfer time arrives, update the route calculation to obtain the second route calculation result.

[0096] When the scheduled transfer time arrives, a routing test will be performed again. This update is necessary because there may be a significant time gap between the initial transaction initiation and the actual delivery, during which some payment channels may have changed. Using the previous routing test results would potentially lead to transfer failures or increased transfer fees. Therefore, adding a routing test before the transfer improves accuracy and reduces the transfer failure rate due to inaccurate routing test results.

[0097] Step 105: Determine the contents of the transfer transaction log based on the route calculation update results; if the route calculation update is successful, the transfer transaction log includes the second route calculation result; if the route calculation update fails, the transfer transaction log includes the first route calculation result.

[0098] Specifically, during route calculation updates, network fluctuations or other reasons may cause the update to fail. In such cases, the system will employ a continuation mechanism, using the result of the first route calculation to continue the transaction, thus increasing the likelihood of successful transactions. By considering failure risks and taking preventative measures in advance, this disclosure allows the system to better manage potential risks, reduce transaction failures caused by route calculation update failures, and thereby improve user experience.

[0099] Step 106: Transfer funds based on the results of the second or first route calculation.

[0100] In one embodiment, the method further includes: after determining the contents of the transfer transaction log based on the routing trial update result, determining whether the transfer transaction log has been successfully registered;

[0101] If registration is successful, the status of the scheduled transfer request will be updated from "successful reservation" to "successful scheduled transaction," and the transfer operation will be performed.

[0102] If registration fails, determine whether a primary key conflict has occurred.

[0103] If no primary key conflict occurs, the scheduled transfer operation will be terminated.

[0104] If a primary key conflict occurs, the status of the scheduled transfer request will be updated from successful to failed, and the scheduled transfer operation will be terminated.

[0105] Specifically, if the transfer transaction log is successfully registered, it indicates that the scheduled transfer request has reached the formal transfer stage. At this time, the scheduled transfer details table is updated to the scheduled transaction success status S0, which also indicates that the scheduled transfer request is in a scheduled transaction success status. The scheduled transaction success status means that the transaction has been successfully sent to the account, and then the transfer application can be submitted to carry out the transfer. During the transfer process, if the route calculation update is successful, the transfer can be carried out according to the result of the second route calculation; if the route calculation update fails, the transfer will be carried out according to the result of the first route calculation. After receiving the transfer application, the system sends an accounting credit to the recipient, that is, transfers the funds to the payee. After the transfer is completed, the result is returned, and the transfer transaction log is updated.

[0106] If the transfer transaction log fails to register, it checks for a primary key conflict. A primary key conflict occurs when a transfer request with the same content as the current transfer request already exists in the system. If no primary key conflict occurs, the operation ends directly. If a primary key conflict occurs, both the transfer details table and the transfer transaction log are updated to a failed transfer status, indicating that the transfer request has failed. The failed transfer request is also recorded in the transfer transaction log.

[0107] In this disclosure, the interfaces related to scheduled transfers are designed to ensure that after receiving a scheduled transfer request, the scheduled transfer details are first registered in the scheduled transfer details table. The scheduled transfer details table can be used to control when the transfer transaction is sent. Then, after the scheduled task obtains the transactions to be sent, it registers them in the transfer transaction log table. The transfer transaction log table can save the details of the transfer transactions, thereby enabling accurate transmission and processing of data.

[0108] This disclosure also provides a processing device for scheduled transfers. Figure 4 This is a schematic diagram of the structure of the pre-arranged transfer processing device provided in the embodiments of this disclosure, as shown below. Figure 4 As shown, the device includes:

[0109] The first registration unit 401 is used to register the scheduled transfer details according to the scheduled transfer request issued by the user; the scheduled transfer details include at least the scheduled transfer time, transfer amount, payer information and payee information;

[0110] The first judgment unit 402 is used to determine whether the scheduled transfer details have been successfully registered; if the registration is unsuccessful, the scheduled transfer operation ends; if the registration is successful, the scheduled transfer request is pre-processed.

[0111] The first determining unit 403 is used to determine the result of the first route trial calculation based on the preprocessing operation;

[0112] Update unit 404 is used to update the route trial calculation when the scheduled transfer time arrives, obtain the second route trial calculation result, and register it;

[0113] The second determining unit 405 is used to determine the contents of the transfer transaction log based on the route trial update result; if the route trial update is successful, the transfer transaction log includes the second route trial result; if the route trial update fails, the transfer transaction log includes the first route trial result.

[0114] Transfer unit 406 is used to transfer funds based on the results of the second or first route trial calculation.

[0115] In one embodiment, the apparatus further includes: a second determining unit, configured to determine whether the preprocessing operation is successful when performing preprocessing operations on the scheduled transfer request;

[0116] If the preprocessing operation is unsuccessful, update the status of the scheduled transfer request to the scheduled failure status and register the transfer transaction log.

[0117] If the preprocessing operation is successful, the status of the scheduled transfer request will be updated to "successful appointment".

[0118] In one embodiment, the apparatus further includes: a third determining unit, configured to determine whether the scheduled transfer details table has been successfully updated when the status of the updated scheduled transfer request is a scheduled transfer successful status;

[0119] If the update is successful, it means the scheduled transfer request has been approved.

[0120] If the update is unsuccessful, update the scheduled transfer details table again and determine if the update was successful.

[0121] If the update is unsuccessful, the scheduled transfer operation will be terminated.

[0122] If the update is successful, the transfer transaction record will be registered, and the scheduled transfer operation will be terminated.

[0123] In one embodiment, the device further includes: a fourth judgment unit, used to determine whether the transfer transaction record has been successfully registered after determining the contents of the transfer transaction record based on the routing trial update result;

[0124] If registration is successful, the status of the scheduled transfer request will be updated from "successful reservation" to "successful scheduled transaction," and the transfer operation will be performed.

[0125] If registration fails, determine whether a primary key conflict has occurred.

[0126] If no primary key conflict occurs, the scheduled transfer operation will be terminated.

[0127] If a primary key conflict occurs, the status of the scheduled transfer request will be updated from successful to failed, and the scheduled transfer operation will be terminated.

[0128] It should be noted here that the above description of the processing device embodiment for scheduled transfers is consistent with the foregoing... Figures 1 to 3 The method embodiments shown are described similarly and have the same characteristics as described above. Figures 1 to 3 The beneficial effects of the method embodiments shown are similar, and therefore will not be described in detail. For technical details not disclosed in the embodiments of the pre-arranged transfer processing device of this disclosure, please refer to the foregoing of this disclosure. Figures 1 to 3 The method embodiments shown are for understanding purposes only and will not be described in detail here for the sake of brevity.

[0129] According to embodiments of this disclosure, this disclosure also provides an electronic device and a readable storage medium.

[0130] Figure 5A 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 may also represent various forms of mobile devices, such as personal digital processors, cellular phones, smartphones, wearable devices, and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely illustrative and are not intended to limit the implementation of the present disclosure described and / or claimed herein.

[0131] like Figure 5 As shown, device 500 includes a computing unit 501, which can perform various appropriate actions and processes based on a computer program stored in read-only memory (ROM) 502 or a computer program loaded from storage unit 508 into random access memory (RAM) 503. RAM 503 may also store various programs and data required for the operation of device 500. The computing unit 501, ROM 502, and RAM 503 are interconnected via bus 504. Input / output (I / O) interface 505 is also connected to bus 504.

[0132] Multiple components in device 500 are connected to I / O interface 505, including: input unit 506, such as keyboard, mouse, etc.; output unit 507, such as various types of monitors, speakers, etc.; storage unit 508, such as disk, optical disk, etc.; and communication unit 509, such as network card, modem, wireless transceiver, etc. Communication unit 509 allows device 500 to exchange information / data with other devices through computer networks such as the Internet and / or various telecommunications networks.

[0133] The computing unit 501 can be a variety of general-purpose and / or special-purpose processing components 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 special-purpose 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 may be implemented as a computer software program tangibly contained in a machine-readable medium, such as storage unit 508. In some embodiments, part or all of the computer program may be loaded and / or installed on device 500 via ROM 502 and / or communication unit 509. When the computer program is loaded into RAM 503 and executed by the computing unit 501, one or more steps of the method for processing scheduled transfers described above may be performed. Alternatively, in other embodiments, the computing unit 501 may be configured to perform the method for processing scheduled transfers by any other suitable means (e.g., by means of firmware).

[0134] Various embodiments of the systems and techniques described above 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), system-on-a-chip (SoCs), complex programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various embodiments may include implementations in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which may be a dedicated or general-purpose programmable processor, capable of receiving data and instructions from a storage system, at least one input device, and at least one output device, and transferring data and instructions to the storage system, the at least one input device, and the at least one output device.

[0135] The program code used to implement the methods of this disclosure may be written in any combination of one or more programming languages. This program code may be provided to a processor or controller of a general-purpose computer, special-purpose computer, or other programmable data processing apparatus, such that when executed by the processor or controller, the program code causes the functions / operations specified in the flowcharts and / or block diagrams to be implemented. The program code may be executed entirely on a machine, partially on a machine, as a standalone software package partially on a machine and partially on a remote machine, or entirely on a remote machine or server.

[0136] In the context of this disclosure, a machine-readable medium can 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 can be a machine-readable signal medium or a machine-readable storage medium. A machine-readable medium can be, but is not limited to, electronic, magnetic, optical, electromagnetic, infrared, or semiconductor systems, apparatus, or devices, or any suitable combination of the foregoing. More specific examples of machine-readable storage media include electrical connections based on one or more wires, portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the foregoing.

[0137] To provide interaction with a user, the systems and techniques described herein can be implemented on a computer having: a display device for displaying information to the user (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor); and a keyboard and pointing device (e.g., a mouse or trackball) through which the user provides input to the computer. Other types of devices can also be used to provide interaction with the user; for example, 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 sound input, voice input, or tactile input).

[0138] The systems and technologies described herein can be implemented in computing systems that include backend components (e.g., as a data server), or computing systems that include middleware components (e.g., an application server), or computing systems that include frontend components (e.g., a user computer with a graphical user interface or web browser through which a user can interact with implementations of the systems and technologies described herein), or any combination of such backend, middleware, or frontend components. The components of the system can be interconnected via digital data communication of any form or medium (e.g., a communication network). Examples of communication networks include local area networks (LANs), wide area networks (WANs), and the Internet.

[0139] Computer systems can include clients and servers. Clients and servers are generally located far apart and typically interact via communication networks. Client-server relationships are created by computer programs running on the respective computers and having a client-server relationship with each other. Servers can be cloud servers, servers in distributed systems, or servers incorporating blockchain technology.

[0140] It should be understood that the various forms of processes shown above can be used to rearrange, add, or delete steps. For example, the steps described in this disclosure can be executed in parallel, sequentially, or in different orders, as long as the desired result of the technical solution of this disclosure can be achieved, and this is not limited herein.

[0141] 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 indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one of that feature. In the description of this disclosure, "a plurality of" means two or more, unless otherwise explicitly specified.

[0142] The above description is merely a specific embodiment of this disclosure, but the scope of protection of this disclosure is not limited thereto. Any variations or substitutions that can be easily conceived by those skilled in the art within the scope of the technology disclosed in this disclosure should be included within the scope of protection of this disclosure. Therefore, the scope of protection of this disclosure should be determined by the scope of the claims.

Claims

1. A method for processing pre-arranged transfers, characterized in that, The method includes: Based on the user's scheduled transfer request, a scheduled transfer details table is recorded; 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 have been successfully registered; if not, end the scheduled transfer operation; if successfully registered, perform pre-processing operations on the scheduled transfer request. During the preprocessing operation, a routing trial is performed to determine the result of the first routing trial. The routing trial refers to the process by which the system intelligently selects the optimal payment channel and method through a series of rules and algorithms when making payment transfers. When the scheduled transfer time arrives, the route calculation is updated to obtain the second route calculation result; Based on the routing trial update results, determine the contents of the transfer transaction log; If the routing calculation update is successful, the transfer transaction log includes the result of the second routing calculation, and the transfer is performed based on the result of the second routing calculation. If the routing trial update fails, the transfer transaction log includes the result of the first routing trial, and the transfer is performed based on the result of the first routing trial.

2. The method according to claim 1, characterized in that, The method further includes: When performing pre-processing operations on the scheduled transfer request, it is determined whether the pre-processing operation is successful; If the preprocessing operation is unsuccessful, the status of the scheduled transfer request is updated to the scheduled transfer failure status, and the transfer transaction log is recorded. If the preprocessing operation is successful, the status of the appointment transfer request will be updated to appointment successful.

3. The method according to claim 2, characterized in that, The method further includes: When the status of the scheduled transfer request is updated to the scheduled transfer success status, check whether the scheduled transfer details table has been updated successfully. If the update is successful, it means the scheduled transfer request has been approved. If the update is unsuccessful, update the scheduled transfer details table again and determine if the update was successful. If the update is unsuccessful, the scheduled transfer operation will be terminated. If the update is successful, the transfer transaction record will be registered, and the scheduled transfer operation will be terminated.

4. The method according to claim 2, characterized in that, The method further includes: After determining the contents of the transfer transaction log based on the routing trial update results, it is determined whether the transfer transaction log has been successfully registered; If registration is successful, the status of the scheduled transfer request will be updated from "successful appointment" to "successful scheduled transaction," and the transfer operation will be performed. If registration fails, determine whether a primary key conflict has occurred. If no primary key conflict occurs, the scheduled transfer operation will be terminated. If a primary key conflict occurs, the status of the scheduled transfer request will be updated from successful to failed, and the scheduled transfer operation will be terminated.

5. A processing device for pre-arranged transfers, characterized in that, The device includes: The first registration unit is used to register a scheduled transfer details table based on the scheduled transfer request issued by the user; the scheduled transfer details table includes at least the scheduled transfer time, transfer amount, payer information and payee information; The first judgment unit is used to determine whether the scheduled transfer details have been successfully registered; if the registration is unsuccessful, the scheduled transfer operation ends; if the registration is successful, the scheduled transfer request is pre-processed. The first determining unit is used to perform a route trial calculation during the preprocessing operation and determine the result of the first route trial calculation. The route trial calculation refers to the process by which the system intelligently selects the optimal payment channel and method through a series of rules and algorithms when making payment transfers. The update unit is used to update the route calculation when the scheduled transfer time arrives, obtain the second route calculation result, and register it. The second determining unit is used to determine the contents of the transfer transaction log based on the routing trial update result; if the routing trial update is successful, the transfer transaction log includes the second routing trial result, and the transfer is performed based on the second routing trial result; if the routing trial update fails, the transfer transaction log includes the first routing trial result, and the transfer is performed based on the first routing trial result.

6. The apparatus according to claim 5, characterized in that, The device further includes: The second judgment unit is used to determine whether the pre-processing operation is successful when performing pre-processing operation on the scheduled transfer request. If the preprocessing operation is unsuccessful, the status of the scheduled transfer request is updated to the scheduled transfer failure status, and the transfer transaction log is recorded. If the preprocessing operation is successful, the status of the appointment transfer request will be updated to appointment successful.

7. The apparatus according to claim 6, characterized in that, The device further includes: The third judgment unit is used to determine whether the reservation transfer details table has been successfully updated when the status of the updated reservation transfer request is in the reservation success status. If the update is successful, it means the scheduled transfer request has been approved. If the update is unsuccessful, update the scheduled transfer details table again and determine if the update was successful. If the update is unsuccessful, the scheduled transfer operation will be terminated. If the update is successful, the transfer transaction record will be registered, and the scheduled transfer operation will be terminated.

8. The apparatus according to claim 6, characterized in that, The device further includes: The fourth judgment unit is used to determine whether the transfer transaction record has been successfully registered after determining the contents of the transfer transaction record based on the routing trial update result. If registration is successful, the status of the scheduled transfer request will be updated from "successful appointment" to "successful scheduled transaction," and the transfer operation will be performed. If registration fails, determine whether a primary key conflict has occurred. If no primary key conflict occurs, the scheduled transfer operation will be terminated. If a primary key conflict occurs, the status of the scheduled transfer request will be updated from successful to failed, 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 to enable the at least one processor to perform the method of any one of claims 1-4.

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

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