Bank flow personalized subscription processing method and device, storage medium and equipment

Abstract

The invention provides a bank flow personalized subscription processing method and device, a storage medium and equipment, and is applied to the technical field of financial data processing. According to the invention, by receiving the flow subscription request submitted by the client in the bank-enterprise direct connection system, the client is allowed to select different subscription configurations including filtering of the flushing flow, collection of flow elements and inter-flow withdrawal feedback according to own needs, so that the client can customize required flow information in a personalized manner, customized flow data is automatically generated, and the user experience is improved. Therefore, through personalized flow information pushing, the time for a customer to look up and analyze data is shortened, and the efficiency and accuracy of financial management are improved.

Description

Technical Field

[0001] The present invention relates to the technical field of financial data processing, and in particular to a method, device, storage medium and equipment for processing personalized subscription of bank statements. Background Art

[0002] Bank account statements are a crucial financial service provided by banks to their customers. They reflect the flow of funds in their accounts, including income, expenditures, and transfers. Customers typically access these statements through bank statements, online banking, or mobile banking apps, serving as a crucial basis for personal and organizational financial management. Currently, bank account statements are displayed using a standardized template, listing basic information such as the time, amount, and counterparty of each transaction.

[0003] However, this standardized display method cannot meet the personalized needs of customers. Different customers have different focuses and habits when managing their finances. Many customers want to be able to customize the transaction types they are interested in or perform specific summaries and analyses.

[0004] Therefore, account statement displays based on standardized templates lack flexibility and adaptability, causing difficulties for customers when accessing and analyzing their account statements. To improve the customer experience, there is an urgent need to develop a subscription method that can meet the personalized needs of bank account statements, allowing customers to customize their statement information according to their needs, thereby improving the efficiency and accuracy of financial management. Summary of the Invention

[0005] In view of the above problems, the present invention provides a method, apparatus, storage medium and device for processing personalized subscription of bank statements that overcome the above problems or at least partially solve the above problems. The technical solution is as follows:

[0006] A method for processing personalized subscription of bank statements, comprising:

[0007] Receive a transaction subscription request submitted by a customer through the bank-enterprise direct connection system, wherein the transaction subscription request includes at least one subscription configuration of a transaction filtering and reversal configuration, a transaction element aggregation configuration, and an inter-bank remittance return feedback configuration;

[0008] Generate customized transaction data according to the subscription configuration in the transaction subscription request;

[0009] Pushing the customized transaction data to the customer through a preset communication channel;

[0010] The step of generating customized transaction data according to the subscription configuration in the transaction subscription request includes:

[0011] In a case where the transaction subscription request includes the configuration for filtering the transaction reversal, identifying the reversal code in the transaction record and excluding the transaction record with the reversal code and its associated reversed transaction number;

[0012] In the case where the transaction subscription request includes the transaction element summary configuration, the number of receipts and payments and amount data of the transaction records are aggregated according to a predetermined time dimension to generate a structured summary file;

[0013] In a case where the transaction subscription request includes the inter-bank remittance refund feedback configuration, an association mapping is established between the remittance refund transaction record and the original payment transaction record, and the transaction status of the original payment transaction record is updated to a failed status.

[0014] Optionally, the step of identifying the reversal code in the transaction record and excluding the transaction record containing the reversal code and its associated reversed serial number includes:

[0015] Parse the transaction type code field in the journal record;

[0016] When a reversal code is detected in the transaction type code field, extracting the corresponding reversal serial number of the reversal transaction;

[0017] The transaction records including the reversal code and the associated reversal serial number are excluded from the generated customized transaction data.

[0018] Optionally, the aggregating the number of receipts and payments and the amount data of the transaction records according to a predetermined time dimension to generate a structured summary file includes:

[0019] Divide the time window by natural day;

[0020] Counting the total number and the first total amount of first transaction records with the transaction type of expenditure within the time window;

[0021] Counting the total number and the second total amount of second transaction records with the transaction type of income within the time window;

[0022] Based on the statistical total number of the first transaction records, the first total amount, the total number of the second transaction records and the second total amount, a structured summary file containing statistical dimension fields is generated, and the structured summary file is added to the generated customized transaction data.

[0023] Optionally, establishing an association mapping between the remittance refund record and the original payment record, and updating the transaction status of the original payment record to a failed state, includes:

[0024] Receive remittance refund records sent by the inter-bank clearing system;

[0025] Extracting the original transaction serial number and the corresponding remittance refund reason code from the remittance refund record;

[0026] Locating the original payment transaction record matching the original transaction transaction number in the transaction transaction database;

[0027] In the generated customized transaction data, the transaction status of the original payment transaction record is updated to a failed status, and a remittance return identifier corresponding to the remittance return reason code is added.

[0028] A bank statement personalized subscription processing device includes: a statement subscription request receiving unit, a customized statement data generating unit, and a customized statement data pushing unit, wherein the customized statement data generating unit includes: a statement filtering and reversing sub-unit, a statement element aggregation sub-unit, and an inter-bank remittance return feedback sub-unit.

[0029] The transaction subscription request receiving unit is configured to receive a transaction subscription request submitted by a customer through the bank-enterprise direct connection system, wherein the transaction subscription request includes at least one subscription configuration selected from among a transaction filtering and reversal configuration, a transaction element aggregation configuration, and an inter-bank remittance refund feedback configuration;

[0030] The customized flow data generating unit is configured to generate customized flow data according to the subscription configuration in the flow subscription request;

[0031] The customized transaction data pushing unit is used to push the customized transaction data to the customer through a preset communication channel;

[0032] The reversal transaction filtering sub-unit is configured to identify the reversal code in the transaction record and exclude the transaction record containing the reversal code and its associated reversed transaction number when the transaction subscription request includes the reversal transaction filtering configuration;

[0033] The transaction element aggregation subunit is configured to aggregate the number of receipts and payments and the amount data of the transaction records according to a predetermined time dimension to generate a structured summary file when the transaction subscription request includes the transaction element aggregation configuration;

[0034] The inter-bank remittance return feedback sub-unit is configured to establish an association mapping between the remittance return transaction record and the original payment transaction record, and update the transaction status of the original payment transaction record to a failed state when the transaction subscription request includes the inter-bank remittance return feedback configuration.

[0035] Optionally, the filtering and reversing transaction sub-unit is specifically used to parse the transaction type code field in the transaction record; when a reversal code is detected in the transaction type code field, the corresponding reversing transaction serial number is extracted; and the transaction record containing the reversal code and the associated reversing serial number is excluded from the generated customized transaction data.

[0036] Optionally, the transaction element summary sub-unit is specifically used to divide the time window into natural days; count the total number of first transaction records and the first total amount of the transaction type being expenditure during the time window; count the total number of second transaction records and the second total amount of the transaction type being income during the time window; generate a structured summary file containing statistical dimension fields based on the counted total number of the first transaction records, the first total amount, the total number of the second transaction records and the second total amount, and add the structured summary file to the generated customized transaction data.

[0037] Optionally, the inter-bank remittance return feedback sub-unit is specifically used to receive the remittance return transaction record sent by the inter-bank clearing system; extract the original transaction serial number and the corresponding remittance return reason code in the remittance return transaction record; locate the original payment transaction record matching the original transaction serial number in the transaction transaction database; update the transaction status of the original payment transaction record to a failed status in the generated customized transaction data, and attach a remittance return identifier corresponding to the remittance return reason code.

[0038] A computer-readable storage medium stores a program, which, when executed by a processor, implements the method for processing personalized subscriptions to bank statements.

[0039] An electronic device comprising at least one processor, and at least one memory and bus connected to the processor; wherein the processor and the memory communicate with each other via the bus; and the processor is configured to call program instructions in the memory to execute the method for processing personalized bank statement subscriptions.

[0040] By means of the above technical solution, the personalized subscription processing method, device, storage medium and equipment for bank transaction provided by the present invention receive a transaction subscription request submitted by a customer through a bank-enterprise direct connection system, wherein the transaction subscription request includes at least one subscription configuration among filtering and correcting transaction configuration, transaction element summary configuration and inter-bank remittance return feedback configuration; generate customized transaction data according to the subscription configuration in the transaction subscription request; push customized transaction data to the customer through a preset communication channel; wherein, generate customized transaction data according to the subscription configuration in the transaction subscription request, including: when the transaction subscription request includes filtering and correcting transaction configuration, identify the reversal code in the transaction record, and exclude transaction records with the reversal code and its associated corrected transaction number; when the transaction subscription request includes the transaction element summary configuration, aggregate the number of receipts and payments and the amount data of the transaction record according to a predetermined time dimension to generate a structured summary file; when the transaction subscription request includes the inter-bank remittance return feedback configuration, establish an association mapping between the remittance return transaction record and the original payment transaction record, and update the transaction status of the original payment transaction record to a failed status. The present invention receives transaction subscription requests submitted by customers in the bank-enterprise direct connection system, allowing customers to select different subscription configurations according to their own needs, including filtering and correcting transaction information, transaction element aggregation, and inter-bank remittance return feedback, so that customers can personalize the transaction information they need and automatically generate customized transaction data. By pushing personalized transaction information, the time spent by customers on reviewing and analyzing data is reduced, thereby improving the efficiency and accuracy of financial management.

[0041] The above description is only an overview of the technical solution of the present invention. In order to more clearly understand the technical means of the present invention, it can be implemented in accordance with the contents of the specification. In order to make the above and other purposes, features and advantages of the present invention more obvious and easy to understand, the specific implementation methods of the present invention are specifically listed below. BRIEF DESCRIPTION OF THE DRAWINGS

[0042] Various other advantages and benefits will become apparent to those skilled in the art upon reading the detailed description of the preferred embodiment below. The accompanying drawings are for illustration purposes only and are not to be considered as limiting the present invention. The same reference symbols are used throughout the drawings to represent the same components. In the drawings:

[0043] Figure 1 A flow chart showing an implementation of a method for processing personalized bank statement subscriptions provided by an embodiment of the present invention is provided;

[0044] Figure 2 A flowchart illustrating a specific implementation of a method for processing personalized bank statement subscriptions provided by an embodiment of the present invention is provided;

[0045] Figure 3A flowchart illustrating another specific implementation of the method for processing personalized bank statement subscriptions provided by an embodiment of the present invention is shown;

[0046] Figure 4 A flowchart illustrating another specific implementation of the method for processing personalized bank statement subscriptions provided by an embodiment of the present invention is shown;

[0047] Figure 5 A principle logic block diagram of a personalized bank statement subscription processing method provided by an embodiment of the present invention is shown;

[0048] Figure 6 A schematic diagram showing the structure of a bank statement personalized subscription processing device provided by an embodiment of the present invention is shown;

[0049] Figure 7 A schematic structural diagram of an electronic device provided by an embodiment of the present invention is shown. DETAILED DESCRIPTION

[0050] Exemplary embodiments of the present invention will be described in more detail below with reference to the accompanying drawings. Although exemplary embodiments of the present invention are shown in the accompanying drawings, it should be understood that the present invention can be implemented in various forms and should not be limited by the embodiments set forth herein. Rather, these embodiments are provided to enable a more thorough understanding of the present invention and to fully convey the scope of the present invention to those skilled in the art.

[0051] Bank account statements are a core financial service provided by banks to their customers. Their primary function is to reflect the flow of funds in a customer's account, including records of income, expenditures, transfers, and other transactions. Customers can access their account statements through various channels, including bank statements, online banking, and mobile banking apps (applications). This information is not only crucial for understanding the financial status of individuals or organizations, but also serves as the foundation for financial management and decision-making.

[0052] In the current financial services landscape, bank account statements are typically displayed using standardized templates. Information such as the time, amount, and counterparty of each transaction is listed in a fixed format to ensure accuracy and consistency. However, while this standardized presentation ensures basic information delivery, it fails to fully address individual customer needs. Different customers may have different financial management habits and priorities when using their bank accounts. For example, some may prioritize specific transaction types (such as daily consumption and investment returns), while others may desire specialized summary and analysis of their account statements.

[0053] Based on this, an embodiment of the present invention provides a personalized subscription processing method for bank statements. First, customers can submit a statement subscription request through the bank-enterprise direct connection system and select different subscription configurations, such as filtered reversal statements, statement element aggregation, or inter-bank remittance return feedback. Second, differentiated statement data is generated based on the customer's subscription configuration and pushed to the customer through a pre-set communication channel. Specifically, if the customer chooses the filter reversal statement configuration, the reversal code in the statement record is identified and the relevant reversal statement records are excluded. If the customer chooses the statement element aggregation configuration, the number and amount of receipts and payments are aggregated according to a predetermined time dimension to generate a structured summary file. Furthermore, if the customer chooses the inter-bank remittance return feedback configuration, the remittance return statement is linked to the original payment statement, and the transaction status is promptly updated to failed. This flexible, personalized subscription service allows customers to customize their account statement information according to their specific needs, filter unnecessary transaction data, and thus improve the efficiency and accuracy of financial management.

[0054] like Figure 1 FIG. 1 is a flow chart of an implementation of a method for processing personalized bank statement subscriptions provided by an embodiment of the present invention. The method may include:

[0055] S100: Receive a transaction subscription request submitted by a customer through the bank-enterprise direct connection system, wherein the transaction subscription request includes at least one subscription configuration of a transaction filtering and reversal configuration, a transaction element aggregation configuration, and an inter-bank remittance return feedback configuration.

[0056] Among them, the bank-enterprise direct connection system refers to an electronic docking platform between banks and enterprises, which allows enterprises to submit various requests online, query account information and process payment transactions.

[0057] Among them, the transaction subscription request is a specific request submitted by the customer through the bank-enterprise direct connection system, which contains a series of configuration options and aims to customize the required transaction information according to the customer's needs.

[0058] The configuration for filtering reversal transactions allows customers to exclude transaction records with reversal codes and their related reversed transaction numbers, thereby avoiding the introduction of unnecessary interference data in financial analysis.

[0059] The transaction element summary configuration allows customers to summarize the number and amount of income and expenditure in transaction records according to a predetermined time dimension, generating a structured financial summary file to facilitate data analysis and decision-making.

[0060] The inter-bank remittance refund feedback configuration is used to establish an association between the remittance refund transaction record and the original payment transaction record, enabling timely updates to the status of the original payment transaction.

[0061] Specifically, customers can submit a transaction subscription request through the bank-enterprise direct connection system and select appropriate configuration options (such as filtering reversal transactions, transaction element aggregation, or inter-bank remittance return feedback) to meet their specific financial management needs. This allows customers to customize the required transaction data and ensure that the account transaction information obtained is more in line with actual needs, thereby improving the efficiency and accuracy of financial management.

[0062] S110: Generate customized transaction data according to the subscription configuration in the transaction subscription request.

[0063] Customized transaction data refers to customized transaction information generated based on the configurations selected by the customer in their transaction subscription request. This customized transaction data is filtered, aggregated, or correlated to provide financial information that better meets customer needs. Customized transaction data may include the exclusion of unnecessary reversal records, structured revenue and expenditure summaries, and status updates on remittance refunds.

[0064] The embodiment of the present invention can dynamically generate customized transaction data based on the specific subscription configuration in the transaction subscription request submitted by the client.

[0065] Specifically, in the embodiment of the present invention, when the transaction subscription request includes a configuration for filtering transaction reversals, the transaction records may be identified with reversal codes and may be excluded from the transaction records containing the reversal codes and their associated reversed transaction numbers.

[0066] A reversal code is a special identifier used in banking systems to identify reversal transactions. When a transaction needs to be reversed or adjusted due to an error, system failure, or other reasons, the system generates a new reversal transaction with the reversal code. The reversal code helps the system and users identify the transaction as a reversal, allowing for filtering or processing during subsequent processing.

[0067] The reversed transaction number uniquely identifies the transaction record that was originally subject to reversal or adjustment. When a reversal transaction occurs, the system records the transaction number for subsequent association and confirmation.

[0068] This embodiment of the present invention can identify all transaction records with reversal codes based on a customer's subscription request and exclude these records and their associated reversal numbers. This ensures that the transaction data received by the customer is not interfered with by reversal transactions, retaining only valid, confirmed reversal transaction records, thereby improving data accuracy and usability. For example, suppose a company submits a transaction subscription request in the bank-enterprise direct connection system and selects the "Filter Reversal Transaction Configuration" option. During analysis of the transaction records, it discovers a transaction with the serial number "123456" and a corresponding reversal record with the reversal code "C789." After identifying this reversal transaction, the serial number "123456" and its corresponding reversal record are excluded, and a new transaction report is generated containing only the reversal transaction data without the reversal record. Ultimately, the company's financial personnel receive a clear transaction report containing all valid transaction information, enabling them to accurately assess the company's financial status without the impact of the reversal transaction.

[0069] Specifically, in an embodiment of the present invention, when a transaction subscription request includes a transaction element summary configuration, the number of receipts and payments and amount data of the transaction records can be aggregated according to a predetermined time dimension to generate a structured summary file.

[0070] The predefined time dimension refers to the time period used to aggregate transaction data. This can be a daily, weekly, monthly, quarterly, or annual time unit. Customers can select the appropriate time dimension based on their specific needs to effectively analyze and summarize income and expenditures.

[0071] Among them, the number of income and expenditure transactions refers to the number of all income and expenditure transactions in a customer account within a specific time period.

[0072] Among them, the amount data refers to the total amount of all income and expenditure in a specific time period.

[0073] Among them, the structured summary file is a file organized and presented in a specific format, which contains summarized financial data, such as the number of income and expenditure transactions, amount and other information, which is convenient for customers to review and analyze.

[0074] This embodiment of the present invention calculates elements such as the total number of expenditures, total expenditure amounts, total number of revenues, and total revenue amounts within a selected time period based on the transaction element summary configuration selected by the customer in the transaction element subscription request, and organizes this data into a structured summary file. For example, suppose a company submits a transaction element subscription request in the bank-enterprise direct connection system, selects "Transaction element summary configuration," and sets the time dimension to "This Month." When processing this request, all transaction records for this month are automatically retrieved. During the statistical process, it is found that this month has a total of 50 expenditures with a total expenditure amount of 500,000 yuan; and a total of 40 revenues with a total revenue amount of 600,000 yuan. Based on this data, a structured summary file is generated, clearly displaying information such as "Total number of expenditures this month: 50, total expenditure amount: 500,000 yuan; total number of revenues: 40, total revenue amount: 600,000 yuan." Ultimately, the company's financial personnel can easily review this summary file to assess the company's financial status and cash flow.

[0075] Specifically, in an embodiment of the present invention, when the transaction subscription request includes an inter-bank remittance refund feedback configuration, an association mapping between the remittance refund transaction record and the original payment transaction record can be established, and the transaction status of the original payment transaction record can be updated to a failed status.

[0076] A remittance refund record refers to the transaction record generated by a bank when a transaction is canceled due to certain reasons (such as incorrect beneficiary information or account closure). This record typically includes information such as the refund amount, refund time, and refund reason, and is used to reflect the process of funds being returned from the beneficiary to the payer.

[0077] The original payment transaction record refers to the transaction record generated when the customer makes a payment transaction, recording basic transaction information such as payment amount, payment time, transaction status, etc. The original payment transaction record is used to track the success or failure of the payment and related transaction history.

[0078] The transaction status refers to the current status of a specific transaction in the transaction process, usually including statuses such as "successful", "failed", "pending", etc.

[0079] The embodiment of the present invention can associate the remittance return flow record with the corresponding original payment flow record to form a mapping relationship. Once a remittance return event is identified, the transaction status of the original payment flow record will be immediately updated to "failed" to reflect the actual result of the payment transaction. For example: suppose a company submits a flow subscription request in the bank-enterprise direct connection system and selects "inter-bank remittance return feedback configuration." During the processing, an original payment flow record with the serial number "ABC123" is identified. The transaction is a payment of 100,000 yuan to a supplier, and the initial status is "successful." However, due to errors in the supplier's account information, the bank subsequently generates a remittance return flow record with the serial number "DEF456" and returns 100,000 yuan to the company. During the processing of the request, the remittance return flow record "DEF456" is associated with the original payment flow record "ABC123", and the transaction status of "ABC123" is updated to "failed." When the company's financial staff inquires, they will see that the actual status of the original payment transaction has been updated to failure, so that they can understand and adjust the relevant financial records in a timely manner and make corresponding decisions.

[0080] S120. Push customized transaction data to customers through preset communication channels.

[0081] Pre-set communication channels refer to the methods and platforms that banks or financial institutions use to communicate with their customers. These channels may include email, text messages, and mobile app push notifications.

[0082] Specifically, the embodiment of the present invention can send customized transaction data to customers based on the customer's preferences and needs using a pre-set communication method. Customers can choose the method of receiving information according to their needs, such as receiving a detailed transaction report via email, or receiving real-time transaction reminders through a mobile phone application, thereby ensuring that customers can obtain information related to their financial status in real time and make corresponding decisions in a timely manner. For example: suppose a company has pre-set its preferred communication channels in the bank's system as email and mobile phone push notifications. Every month, the company hopes to receive a summary of its transaction flow, which includes total expenditures, total income and major transaction details. Whenever customized transaction data is generated, the customized transaction data will be sent to the company's designated mailbox via email, and a push notification will also be sent through the mobile phone application to remind financial personnel to view the customized transaction data.

[0083] The present invention provides a personalized subscription processing method for bank flow, which includes: receiving a flow subscription request submitted by a customer through a bank-enterprise direct connection system, wherein the flow subscription request includes at least one subscription configuration of filtering and correcting flow configuration, flow element aggregation configuration and inter-bank remittance return feedback configuration; generating customized flow data according to the subscription configuration in the flow subscription request; pushing the customized flow data to the customer through a preset communication channel; wherein, generating customized flow data according to the subscription configuration in the flow subscription request includes: when the flow subscription request includes filtering and correcting flow configuration, identifying the reversal code in the flow record, and excluding flow records with the reversal code and its associated reversed flow number; when the flow subscription request includes the flow element aggregation configuration, aggregating the number of income and expenditure items and amount data of the flow record according to a predetermined time dimension to generate a structured summary file; when the flow subscription request includes the inter-bank remittance return feedback configuration, establishing an association mapping between the remittance return flow record and the original payment flow record, and updating the transaction status of the original payment flow record to a failed status. The present invention receives transaction subscription requests submitted by customers in the bank-enterprise direct connection system, allowing customers to select different subscription configurations according to their own needs, including filtering and correcting transaction information, transaction element aggregation, and inter-bank remittance return feedback, so that customers can personalize the transaction information they need and automatically generate customized transaction data. By pushing personalized transaction information, the time spent by customers on reviewing and analyzing data is reduced, thereby improving the efficiency and accuracy of financial management.

[0084] Optional, based on Figure 1 The method shown, such as Figure 2 As shown, a flowchart of a specific implementation of a method for processing personalized bank statement subscriptions provided by an embodiment of the present invention is provided. The method identifies the reversal code in the bank statement and excludes bank statements containing the reversal code and its associated reversed bank statement number. Specifically, the method may include:

[0085] S200: Parse the transaction type code field in the transaction record.

[0086] Specifically, embodiments of the present invention can parse each customer transaction record to identify the transaction type code field within the transaction record. A transaction type code is used to identify the specific nature of a transaction, such as "payment," "return," or "reversal." By parsing the transaction type code field, embodiments of the present invention can quickly identify various transaction types, providing basic data for subsequent processing and analysis.

[0087] S210. When a reversal code is detected in the transaction type code field, extract the corresponding reversal serial number of the reversal transaction.

[0088] Specifically, when the transaction type code field is detected as a reversal code, the embodiment of the present invention extracts the reversal serial number of the related reversal transaction. The reversal serial number is a unique identifier for the reversal transaction, which helps in subsequent record updates and data processing.

[0089] S220: Exclude transaction records containing a reversal code and an associated reversed transaction number from the generated customized transaction data.

[0090] Specifically, the embodiment of the present invention can clean and filter the generated customized transaction data based on the reversal codes and reversed serial numbers collected previously, that is, exclude all transaction records containing the reversal codes and the records of the reversed serial numbers associated therewith, so as to ensure that the final data results accurately reflect the actual transaction situation and avoid information confusion caused by reversal transactions.

[0091] By parsing the transaction type code field in transaction records, this embodiment of the present invention accurately identifies reversal codes, ensuring that ineligible transactions are screened. When a reversal code is detected, the associated reversed transaction number is extracted, ensuring that all records containing the reversal code and its associated reversed transaction records are removed from the generated customized transaction data. This not only ensures the accuracy and validity of the data obtained by clients, but also improves data quality and avoids confusion caused by reversing transactions. Furthermore, clear transaction data facilitates more effective financial analysis and decision-making.

[0092] Optional, based on Figure 1 The method shown, such as Figure 3 As shown, a flowchart of another specific implementation of a method for processing personalized bank statement subscriptions provided by an embodiment of the present invention is provided. The number and amount data of receipts and payments in bank statement records are aggregated according to a predetermined time dimension to generate a structured summary file. Specifically, the following steps may be included:

[0093] S300: Divide the time window according to the natural day.

[0094] Specifically, the embodiment of the present invention can divide the transaction records within the time range according to natural days to form multiple time windows. Each time window represents a natural day, and subsequent data analysis and statistics are performed based on these time windows.

[0095] S310 , counting the total number and the first total amount of first transaction records with the transaction type of expenditure within the time window.

[0096] Specifically, the embodiment of the present invention can screen and count the transaction records in each time window, calculate the total number of first flow records of expenditure transactions in each time window, and simultaneously summarize the first total amount of these expenditure transactions.

[0097] S320 , counting the total number of second transaction records and the second total amount of the second transaction record with the transaction type of income within the time window.

[0098] Specifically, the embodiment of the present invention can screen and count the transaction records in each time window, calculate the total number of second flow records of income transactions in each time window, and simultaneously summarize the second total amount of these income transactions.

[0099] S330. Generate a structured summary file containing statistical dimension fields based on the total number of first transaction records, the first total amount, the total number of second transaction records, and the second total amount, and add the structured summary file to the generated customized transaction data.

[0100] Specifically, embodiments of the present invention can combine previously collected expenditure and income data to create a structured summary file. This structured summary file will contain various statistical dimension fields, such as total expenditure, total expenditure amount, total income, and total income amount. This structured summary file will be added to the generated customized transaction flow data, ensuring that the final customized transaction flow data not only contains detailed transaction records but also provides a higher-level financial overview, facilitating comprehensive financial analysis and decision-making for users.

[0101] By dividing the time window by natural day, the embodiment of the present invention can clearly analyze and display each day's transaction activities, thereby helping customers understand the flow of funds over time. Secondly, by counting the total number and amount of expenditure and income flow records, customers can intuitively understand their financial status, including daily changes in expenditure and income, thereby improving the readability of the data and enabling customers to make financial plans and decisions more effectively. Finally, integrating these statistical results into a structured summary file enhances the value of customized flow data and improves customer experience and satisfaction.

[0102] Optional, based on Figure 1 The method shown, such as Figure 4 1. The flowchart of another specific implementation of the method for processing personalized bank statement subscription provided by an embodiment of the present invention is shown. Establishing an association mapping between the remittance refund statement record and the original payment statement record, and updating the transaction status of the original payment statement record to a failed state may specifically include:

[0103] S400: Receive the remittance refund record sent by the inter-bank clearing system.

[0104] Among them, the interbank clearing system refers to the system used to handle fund transfers and clearing between different financial institutions, ensuring the smooth flow and settlement of funds between different banks.

[0105] S410: Extract the original transaction serial number and the corresponding remittance remittance reason code from the remittance remittance remittance record.

[0106] Among them, the original transaction serial number refers to the unique identifier generated during the payment transaction process, which is used to track and manage the flow of funds for the transaction.

[0107] The refund reason code is a specific code used to identify the reason for the transaction return, such as account information error, transaction timeout, etc., to help customers understand the reason why the transaction failed.

[0108] Specifically, embodiments of the present invention can extract two key fields from the received remittance return record: the original transaction number and the remittance return reason code. The original transaction number is used to identify the original payment transaction, while the remittance return reason code explains why the transaction needs to be returned.

[0109] S420: Locate the original payment transaction record that matches the original transaction transaction number in the transaction transaction database.

[0110] The transaction flow database refers to the database system that stores all transaction records. The transaction flow database includes all transaction serial numbers, transaction time, transaction amount, transaction type, and transaction status.

[0111] Specifically, the embodiment of the present invention can search the transaction flow database for the original payment flow record that matches the extracted original transaction flow number, thereby preparing for updating the transaction status.

[0112] S430: In the generated customized transaction data, the transaction status of the original payment transaction record is updated to a failed status, and a remittance return flag corresponding to the remittance return reason code is added.

[0113] The remittance return indicator is a mark or label corresponding to the remittance return reason code, which is used to indicate in the system that the transaction has been returned and provide customers with detailed information about the remittance return.

[0114] Specifically, after locating the original payment transaction record, the embodiment of the present invention will update its transaction status to a failed status in the customized transaction data, and at the same time add a remittance return identifier corresponding to the remittance return reason code so that the user can clearly understand the specific reason for the transaction failure.

[0115] By receiving remittance return records sent by the interbank clearing system, the embodiments of the present invention can promptly obtain and process transaction information that needs to be returned, and promptly extract the original transaction serial number and remittance return reason code from the remittance return record, so as to accurately identify the original payment transaction related to the remittance return. At the same time, the payment transaction record that matches the original transaction serial number is located in the transaction transaction database to ensure the consistency and accuracy of the information. Finally, by updating the original payment transaction record to a failed state in the customized transaction data and adding a corresponding remittance return identifier, the customer can clearly understand the reason for the transaction failure, which helps the customer to adjust his financial strategy in a timely manner and reduce the potential losses caused by the transaction failure.

[0116] Figure 5 The figure shows the principle logic block diagram of the personalized subscription processing method for bank flow provided by an embodiment of the present invention. First, a personalized flow subscription request is received, which is divided into three main processing paths: filtering the reversal flow, summarizing relevant elements, and inter-bank remittance return feedback. In the path of filtering the reversal flow, it is determined whether the flow record is a reversal. If it is a reversal record, it will not be pushed, otherwise it will be pushed normally. Secondly, in the processing path of summarizing relevant elements, a synthetic file will be generated according to the set conditions and pushed. Finally, in the inter-bank remittance return feedback path, it is determined whether there is a remittance return. If there is a remittance return, the relevant feedback information will be processed and the secondary feedback of the original payment flow will be marked as failed; if there is no remittance return, a normal push will be performed.

[0117] Although the operations are depicted in a particular order, this should not be understood as requiring that the operations be performed in the particular order shown or in a sequential order.Multitasking and parallel processing may be advantageous under certain circumstances.

[0118] It should be understood that the various steps described in the method embodiments of the present invention may be performed in different orders and / or in parallel. In addition, the method embodiments may include additional steps and / or omit the steps shown. The scope of the present invention is not limited in this respect.

[0119] Corresponding to the above method embodiment, the embodiment of the present invention also provides a bank flow personalized subscription processing device, the structure of which is as follows: Figure 6 As shown, it may include: a transaction subscription request receiving unit 10, a customized transaction data generating unit 20 and a customized transaction data pushing unit 30, wherein the customized transaction data generating unit 20 includes: a transaction filtering and correction sub-unit 21, a transaction element aggregation sub-unit 22 and an inter-bank remittance refund feedback sub-unit 23.

[0120] The transaction subscription request receiving unit 10 is used to receive a transaction subscription request submitted by a customer through the bank-enterprise direct connection system, wherein the transaction subscription request includes at least one subscription configuration of the following: transaction filtering and reversal configuration, transaction element aggregation configuration, and inter-bank remittance return feedback configuration.

[0121] The customized flow data generating unit 20 is configured to generate customized flow data according to the subscription configuration in the flow subscription request.

[0122] The customized transaction data pushing unit 30 is used to push customized transaction data to customers through a preset communication channel.

[0123] The reversal transaction filtering sub-unit 21 is used to identify the reversal code in the transaction record and exclude the transaction record with the reversal code and its associated reversed transaction number when the transaction subscription request includes the reversal transaction filtering configuration.

[0124] The transaction element summary subunit 22 is used to aggregate the number of income and expenditure items and the amount data of the transaction record according to a predetermined time dimension to generate a structured summary file when the transaction subscription request includes the transaction element summary configuration.

[0125] The inter-bank remittance return feedback sub-unit 23 is configured to establish an association mapping between the remittance return transaction record and the original payment transaction record when the transaction subscription request includes the inter-bank remittance return feedback configuration, and update the transaction status of the original payment transaction record to a failed status.

[0126] Optionally, the filtering and reversing transaction sub-unit 21 is specifically used to parse the transaction type code field in the transaction record; when the reversal code is detected in the transaction type code field, the corresponding reversing transaction serial number is extracted; and the transaction record containing the reversal code and the associated reversing serial number is excluded from the generated customized transaction data.

[0127] Optionally, the transaction element summary sub-unit 22 is specifically used to divide the time window according to natural days; count the total number of first transaction records and the first total amount of the transaction type being expenditure during the time window; count the total number of second transaction records and the second total amount of the transaction type being income during the time window; generate a structured summary file containing statistical dimension fields based on the counted total number of first transaction records, the first total amount, the total number of second transaction records and the second total amount, and add the structured summary file to the generated customized transaction data.

[0128] Optionally, the inter-bank remittance return feedback sub-unit 23 is specifically used to receive the remittance return transaction record sent by the inter-bank clearing system; extract the original transaction transaction number and the corresponding remittance return reason code in the remittance return transaction record; locate the original payment transaction record matching the original transaction transaction number in the transaction transaction database; update the transaction status of the original payment transaction record to a failed status in the generated customized transaction data, and attach a remittance return identifier corresponding to the remittance return reason code.

[0129] The present invention provides a personalized bank transaction subscription processing device, which is used to: receive a transaction subscription request submitted by a customer through a bank-enterprise direct connection system, wherein the transaction subscription request includes at least one subscription configuration among a transaction filtering and correction configuration, a transaction element aggregation configuration, and an inter-bank remittance return feedback configuration; generate customized transaction data according to the subscription configuration in the transaction subscription request; and push the customized transaction data to the customer through a preset communication channel; wherein, generating customized transaction data according to the subscription configuration in the transaction subscription request includes: when the transaction subscription request includes a transaction filtering and correction configuration, identifying the reversal code in the transaction record, and excluding transaction records with the reversal code and its associated reversed transaction number; when the transaction subscription request includes a transaction element aggregation configuration, aggregating the number of receipts and payments and the amount data of the transaction record according to a predetermined time dimension to generate a structured summary file; when the transaction subscription request includes an inter-bank remittance return feedback configuration, establishing an association mapping between the remittance return transaction record and the original payment transaction record, and updating the transaction status of the original payment transaction record to a failed status. The present invention receives transaction subscription requests submitted by customers in the bank-enterprise direct connection system, allowing customers to select different subscription configurations according to their own needs, including filtering and correcting transaction information, transaction element aggregation, and inter-bank remittance return feedback, so that customers can personalize the transaction information they need and automatically generate customized transaction data. By pushing personalized transaction information, the time spent by customers on reviewing and analyzing data is reduced, thereby improving the efficiency and accuracy of financial management.

[0130] Regarding the apparatus in the above embodiment, the specific manner in which each unit performs operations has been described in detail in the embodiment of the method, and will not be elaborated on here.

[0131] The bank statement personalized subscription processing device includes a processor and a memory. The above-mentioned statement subscription request receiving unit 10, customized statement data generating unit 20 and customized statement data pushing unit 30 are all stored in the memory as program units, and the processor executes the above-mentioned program units stored in the memory to realize the corresponding functions.

[0132] The processor contains a kernel, which retrieves the corresponding program unit from memory. One or more kernels can be configured. By adjusting kernel parameters, they receive transaction subscription requests submitted by customers in the bank-enterprise direct connection system. Customers can choose different subscription configurations based on their needs, including filtering and reversing transaction information, summarizing transaction elements, and providing feedback on interbank remittance returns. This allows customers to customize their transaction information and automatically generate customized transaction data. This personalized transaction information push reduces the time customers spend reviewing and analyzing data, improving the efficiency and accuracy of financial management.

[0133] An embodiment of the present invention provides a computer-readable storage medium having a program stored thereon, which implements the bank statement personalized subscription processing method when the program is executed by a processor.

[0134] An embodiment of the present invention provides a processor, which is used to run a program, wherein the program executes the bank statement personalized subscription processing method when running.

[0135] like Figure 7 As shown, an embodiment of the present invention provides an electronic device 1000, comprising at least one processor 1001, at least one memory 1002 connected to the processor 1001, and a bus 1003. The processor 1001 and the memory 1002 communicate with each other via the bus 1003. The processor 1001 is configured to invoke program instructions stored in the memory 1002 to execute the aforementioned method for processing personalized bank statement subscriptions. The electronic device herein may be a server, a PC, a PAD, a mobile phone, or the like.

[0136] The present invention also provides a computer program product which, when executed on an electronic device, is suitable for executing a program having the steps of initializing a personalized bank statement subscription processing method.

[0137] The present invention is described with reference to flowcharts and / or block diagrams of methods, apparatuses, electronic devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowcharts and / or block diagrams, as well as combinations of processes and / or blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable device to produce a machine, so that the instructions executed by the processor of the computer or other programmable device generate instructions for implementing the processes in the flowcharts and / or block diagrams. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0138] In a typical configuration, an electronic device includes one or more processors (CPUs), a memory, and a bus. The electronic device may also include an input / output interface, a network interface, and the like.

[0139] Memory may include non-permanent memory in a computer-readable medium, random access memory (RAM), and / or non-volatile memory, such as read-only memory (ROM) or flash RAM. Memory includes at least one memory chip. Memory is an example of a computer-readable medium.

[0140] Computer-readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. The information can be computer-readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassettes, magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer-readable media does not include transitory media such as modulated data signals and carrier waves.

[0141] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in the present invention are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with the relevant laws, regulations and standards of relevant countries and regions.

[0142] It is understandable that before using the technical solutions disclosed in the various embodiments of this disclosure, the type, scope of use, usage scenarios, etc. of the personal information involved in this disclosure should be informed to the user and the user's authorization should be obtained in an appropriate manner in accordance with relevant laws and regulations.

[0143] In the description of the present invention, it should be understood that if the terms "up", "down", "front", "back", "left" and "right" are used to indicate directions or positional relationships, they are based on the directions or positional relationships shown in the accompanying drawings. They are only used to facilitate the description of the present invention and simplify the description, and do not indicate or imply that the positions or elements referred to must have a specific direction, be constructed and operate in a specific direction. Therefore, they should not be understood as limitations of the present invention.

[0144] It should be noted that, in this document, relational terms such as first and second, etc., are used only to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any actual relationship or order between these entities or operations. It should also be noted that the terms "comprises," "comprising," or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity, or device comprising a series of elements includes not only those elements, but also other elements not explicitly listed, or elements inherent to such process, method, commodity, or device. In the absence of further limitations, an element defined by the phrase "comprising a ..." does not exclude the presence of other identical elements in the process, method, commodity, or device comprising the element.

[0145] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Thus, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROMs, optical storage, etc.) containing computer-usable program code.

[0146] The above are merely embodiments of the present invention and are not intended to limit the present invention. It will be apparent to those skilled in the art that various modifications and variations of the present invention are possible. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention are intended to be within the scope of the present invention.

Claims

1. A method for processing personalized subscription of bank statements, characterized in that: include: Receive a transaction subscription request submitted by a customer through the bank-enterprise direct connection system, wherein the transaction subscription request includes at least one subscription configuration of a transaction filtering and reversal configuration, a transaction element aggregation configuration, and an inter-bank remittance return feedback configuration; Generate customized transaction data according to the subscription configuration in the transaction subscription request; Pushing the customized transaction data to the customer through a preset communication channel; The step of generating customized transaction data according to the subscription configuration in the transaction subscription request includes: In a case where the transaction subscription request includes the configuration for filtering the transaction reversal, identifying the reversal code in the transaction record and excluding the transaction record with the reversal code and its associated reversed transaction number; In the case where the transaction subscription request includes the transaction element summary configuration, the number of receipts and payments and amount data of the transaction records are aggregated according to a predetermined time dimension to generate a structured summary file; In a case where the transaction subscription request includes the inter-bank remittance refund feedback configuration, an association mapping is established between the remittance refund transaction record and the original payment transaction record, and the transaction status of the original payment transaction record is updated to a failed status.

2. The method according to claim 1, characterized in that The step of identifying the reversal code in the transaction record and excluding the transaction record with the reversal code and its associated reversed transaction number includes: Parse the transaction type code field in the journal record; When a reversal code is detected in the transaction type code field, extracting the corresponding reversal serial number of the reversal transaction; The transaction records including the reversal code and the associated reversal serial number are excluded from the generated customized transaction data.

3. The method according to claim 1, characterized in that The number and amount of income and expenditure data in the transaction records are aggregated according to a predetermined time dimension to generate a structured summary file, including: Divide the time window by natural day; Counting the total number and the first total amount of first transaction records with the transaction type of expenditure within the time window; Counting the total number and the second total amount of second transaction records with the transaction type of income within the time window; Based on the statistical total number of the first transaction records, the first total amount, the total number of the second transaction records and the second total amount, a structured summary file containing statistical dimension fields is generated, and the structured summary file is added to the generated customized transaction data.

4. The method according to claim 1, wherein The establishing of an association mapping between the remittance refund record and the original payment record, and updating the transaction status of the original payment record to a failed state, includes: Receive remittance refund records sent by the inter-bank clearing system; Extracting the original transaction serial number and the corresponding remittance refund reason code from the remittance refund record; Locating the original payment transaction record matching the original transaction transaction number in the transaction transaction database; In the generated customized transaction data, the transaction status of the original payment transaction record is updated to a failed status, and a remittance return identifier corresponding to the remittance return reason code is added.

5. A bank statement personalized subscription processing device, characterized in that: include: A transaction subscription request receiving unit, a customized transaction data generating unit, and a customized transaction data pushing unit, wherein the customized transaction data generating unit includes: a transaction filtering and reversal sub-unit, a transaction element aggregation sub-unit, and an inter-bank remittance return feedback sub-unit. The transaction subscription request receiving unit is configured to receive a transaction subscription request submitted by a customer through the bank-enterprise direct connection system, wherein the transaction subscription request includes at least one subscription configuration selected from among a transaction filtering and reversal configuration, a transaction element aggregation configuration, and an inter-bank remittance refund feedback configuration; The customized flow data generating unit is configured to generate customized flow data according to the subscription configuration in the flow subscription request; The customized transaction data pushing unit is used to push the customized transaction data to the customer through a preset communication channel; The reversal transaction filtering sub-unit is configured to identify the reversal code in the transaction record and exclude the transaction record containing the reversal code and its associated reversed transaction number when the transaction subscription request includes the reversal transaction filtering configuration; The transaction element aggregation subunit is configured to aggregate the number of receipts and payments and the amount data of the transaction records according to a predetermined time dimension to generate a structured summary file when the transaction subscription request includes the transaction element aggregation configuration; The inter-bank remittance return feedback sub-unit is configured to establish an association mapping between the remittance return transaction record and the original payment transaction record, and update the transaction status of the original payment transaction record to a failed state when the transaction subscription request includes the inter-bank remittance return feedback configuration.

6. The device according to claim 5, characterized in that The filtering and reversing transaction sub-unit is specifically used to parse the transaction type code field in the transaction record; when a reversal code is detected in the transaction type code field, the reversal serial number of the corresponding reversing transaction is extracted; and the transaction record containing the reversal code and the associated reversal serial number is excluded from the generated customized transaction data.

7. The device according to claim 5, characterized in that The transaction element summary sub-unit is specifically used to divide the time window according to natural days; count the total number of first transaction records and the first total amount of the transaction type being expenditure during the time window; count the total number of second transaction records and the second total amount of the transaction type being income during the time window; generate a structured summary file containing statistical dimension fields based on the counted total number of the first transaction records, the first total amount, the total number of the second transaction records and the second total amount, and add the structured summary file to the generated customized transaction data.

8. The device according to claim 5, characterized in that The inter-bank remittance return feedback sub-unit is specifically configured to receive a remittance return flow record sent by the inter-bank clearing system; extract the original transaction serial number and the corresponding remittance return reason code from the remittance return flow record; Locating the original payment transaction record that matches the original transaction transaction number in the transaction transaction database; updating the transaction status of the original payment transaction record to a failed state in the generated customized transaction data, and adding a remittance refund identifier corresponding to the remittance refund reason code.

9. A computer-readable storage medium having a program stored thereon, characterized in that: When the program is executed by the processor, the personalized bank statement subscription processing method as described in any one of claims 1 to 4 is implemented.

10. An electronic device, characterized in that: The electronic device includes at least one processor, and at least one memory and bus connected to the processor; wherein the processor and the memory communicate with each other through the bus; the processor is used to call the program instructions in the memory to execute the bank statement personalized subscription processing method as described in any one of claims 1 to 4.

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