Fund issuing method and device, equipment and storage medium

Abstract

The invention discloses a fund issuing method and device, equipment and a storage medium, and relates to the technical field of finance, and the method comprises the steps: obtaining collection account information in response to an information submission instruction; judging whether the money collection card corresponding to the money collection account information can be subjected to fund issuing through a super network channel or not through a bank card identification code; if the money collection card cannot be subjected to fund issuing through a super-network channel, judging whether historical information of successful issuing of the money collection card exists in the money collection card or not; and if the collection card has the historical information of successful issuing, supplementing collection bank information based on the historical information of successful issuing, and performing fund issuing through a large and small amount channel based on the collection bank information, so that information input errors can be avoided, and the issuing efficiency and success rate can be improved.

Description

Technical Field

[0001] This application relates to the field of financial technology, and in particular to a method, apparatus, equipment, and storage medium for fund disbursement. Background Technology

[0002] In the current payroll drop-off business scenario, when a customer's receiving account involves both the SuperNet payroll channel and the large and small amount payroll channels, it is necessary to manually split the payroll data and maintain two independent data files to execute payroll operations for different channels.

[0003] However, the above methods carry the risk of information errors and omissions during the data splitting process, which can easily lead to delivery failures or delays in funds.

[0004] The above content is only used to help understand the technical solution of this application and does not represent an admission that the above content is prior art. Summary of the Invention

[0005] The main purpose of this application is to provide a method, apparatus, equipment and storage medium for fund disbursement, which aims to solve the technical problem that current fund disbursement methods have the risk of information errors and omissions during the data splitting process, which can easily lead to disbursement failure or fund delay.

[0006] To achieve the above objectives, this application proposes a method for fund disbursement, the method comprising:

[0007] In response to an information submission instruction, obtain the receiving account information;

[0008] The bank card identification code is used to determine whether the receiving card corresponding to the receiving account information can be used for fund disbursement through the Chaowang channel.

[0009] If the receiving card cannot be used for fund disbursement through the Chaowang channel, then it is determined whether the receiving card has a history of successful fund disbursement.

[0010] If the receiving card has a history of successful fund transfers, the receiving bank information is supplemented based on the history of successful fund transfers, and the funds are transferred through large and small amount channels based on the receiving bank information.

[0011] In one embodiment, the step of determining whether the receiving card corresponding to the receiving account information can conduct fund transfers through the Chaowang channel via the bank card identification code includes:

[0012] Based on preset segmentation and matching rules, the account numbers in the receiving account information are segmented to obtain at least one prefix;

[0013] Generate a first key-value pair based on the set of bank card identification codes corresponding to the prefix;

[0014] A second key-value pair is generated based on the bank card identification code set corresponding to the account;

[0015] Based on the first key-value pair and / or the second key-value pair, determine whether the receiving card corresponding to the receiving account information can be used for fund disbursement through the Chaowang channel.

[0016] In one embodiment, the step of generating the first key-value pair based on the set of bank card identification codes corresponding to the prefix includes:

[0017] The length of the prefix and the set of bank card identification codes corresponding to the prefix are assembled into the first key-value pair, where the key of the first key-value pair is the length of the prefix, and the value of the first key-value pair is the set of bank card identification codes corresponding to the prefix.

[0018] In one embodiment, the step of generating a second key-value pair based on the bank card identification code set corresponding to the account includes:

[0019] The account and the set of bank card identification codes corresponding to the account are assembled into the second key-value pair, where the key of the second key-value pair is the account and the value is the set of bank card identification codes corresponding to the account.

[0020] In one embodiment, the step of determining whether the receiving card corresponding to the receiving account information can be used for fund transfer through the Chaowang channel based on the first key-value pair and / or the second key-value pair includes:

[0021] The first key-value pair is matched with the prefix data in the preset UnionPay card prefix database to obtain the matching bank card identification code;

[0022] The matched bank card identification code is matched with the second key-value pair to obtain the matching result;

[0023] Based on the matching results, it is determined whether the receiving card corresponding to the receiving account information can be used for fund disbursement through the Chaowang channel.

[0024] In one embodiment, the step of determining whether the receiving card corresponding to the receiving account information can be used for fund transfer through the Chaowang channel based on the matching result includes:

[0025] If the matching result is successful, then the matched bank card identification code corresponds to a standard UnionPay card;

[0026] If the matching result is a failure, then the matched bank card identification code corresponds to a non-standard bank card;

[0027] If the matched bank card identification code corresponds to a standard UnionPay card, then the SuperNet Institution Number in the receiving account information is matched with the data in the preset SuperNet Institution Number database;

[0028] If the Chaowang organization number in the receiving account information matches the data in the preset Chaowang organization number database, the receiving card corresponding to the receiving account information will be used for fund disbursement through the Chaowang channel.

[0029] If the SuperNet Institution Number in the receiving account information fails to match the data in the SuperNet Institution Number database, the receiving card corresponding to the receiving account information will have funds disbursed through the large and small amount channels.

[0030] In one embodiment, the step of determining whether the receiving card has a history of successful payouts includes:

[0031] Obtain the account number and / or account holder information of the receiving card;

[0032] Based on the account and / or account name information of the receiving card, query the detailed data of successful payments within a preset time period.

[0033] Furthermore, to achieve the above objectives, this application also proposes a fund disbursement device, which includes:

[0034] The account information acquisition module is used to obtain the receiving account information in response to the information submission command;

[0035] The account information judgment module is used to determine whether the receiving card corresponding to the receiving account information can be used for fund disbursement through the Chaowang channel by using the bank card identification code.

[0036] The historical information judgment module is used to determine whether the receiving card has a history of successful fund disbursement if the receiving card cannot be disbursed through the Chaowang channel.

[0037] The information supplementation module is used to supplement the receiving bank information based on the historical information of successful fund disbursement if the receiving card has such information, and to disburse funds through large and small amount channels based on the receiving bank information.

[0038] In addition, to achieve the above objectives, this application also proposes a fund disbursement device, the device comprising: a memory, a processor, and a computer program stored in the memory and executable on the processor, the computer program being configured to implement the steps of the fund disbursement method as described above.

[0039] In addition, to achieve the above objectives, this application also proposes a storage medium, which is a computer-readable storage medium, on which a computer program is stored, and when the computer program is executed by a processor, it implements the steps of the fund disbursement method described above.

[0040] One or more technical solutions proposed in this application have at least the following technical effects:

[0041] This application allows clients to submit both supported and unsupported account information for receiving payments within the same payment batch, eliminating the need for manual data splitting, simplifying the process, and improving the convenience and efficiency of batch processing. This application intelligently identifies the bank and channel support of the receiving card using the bank card identification code, automatically matching and selecting the most suitable payment channel (SuperNet or large / small amount), achieving intelligent routing, reducing manual intervention, and ensuring the accuracy and compliance of the transaction path. For receiving accounts that do not support SuperNet, this application can automatically complete the receiving bank information based on historical payment records, eliminating the need for manual input by the client. This not only reduces the client's operational burden but also effectively avoids information entry errors, significantly improving payment efficiency and success rate, and helping enterprises achieve more efficient and secure batch payment management. Attached Figure Description

[0042] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this application and, together with the description, serve to explain the principles of this application.

[0043] To more clearly illustrate the technical solutions in the embodiments of this application or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, for those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0044] Figure 1 This is a flowchart illustrating the first embodiment of the fund disbursement method for this application.

[0045] Figure 2 Page 1 is the page for submitting the receiving account information in the fund disbursement method of this application;

[0046] Figure 3 Page 2 is the page for submitting the receiving account information in the fund disbursement method of this application;

[0047] Figure 4 A schematic diagram illustrating the routing selection process for the fund disbursement method in this application;

[0048] Figure 5 A schematic diagram illustrating the complete process of fund disbursement for this application;

[0049] Figure 6 This is a schematic diagram of the module structure of the fund disbursement device in an embodiment of this application;

[0050] Figure 7 This is a schematic diagram of the hardware operating environment involved in the fund disbursement method in this application embodiment.

[0051] The purpose, features, and advantages of this application will be further explained in conjunction with the embodiments and with reference to the accompanying drawings. Detailed Implementation

[0052] It should be understood that the specific embodiments described herein are merely illustrative of the technical solutions of this application and are not intended to limit this application.

[0053] To better understand the technical solution of this application, a detailed description will be provided below in conjunction with the accompanying drawings and specific implementation methods.

[0054] The main solution of this application embodiment is as follows: in response to the information submission instruction, obtain the receiving account information; determine whether the receiving card corresponding to the receiving account information can be used for fund transfer through the super-network channel by using the bank card identification code; if the receiving card cannot be used for fund transfer through the super-network channel, determine whether the receiving card has a history of successful fund transfer; if the receiving card has a history of successful fund transfer, supplement the receiving bank information based on the history of successful fund transfer, and use the receiving bank information to transfer funds through the large and small value channels.

[0055] In this embodiment, for ease of description, the following description will focus on the fund disbursement system as the implementing entity.

[0056] The existing technology has three major pain points: First, the operation process is complex and inefficient, requiring repeated processing of the same basic information; second, there is a risk of information errors and omissions during the data splitting process, which can easily lead to delivery failure or fund delays; and third, multi-file management significantly restricts the processing efficiency of delivery business and is not conducive to the standardized execution of enterprise-level batch business.

[0057] This application provides a solution that allows clients to submit both supported and unsupported account information for receiving payments within the same payment batch. This eliminates the need for manual data splitting, simplifying the process and improving the convenience and efficiency of batch processing. The application intelligently identifies the bank and channel support of the receiving card using the bank card identification code, automatically matching and selecting the most suitable payment channel (SuperNet or large / small amount), achieving intelligent routing, reducing manual intervention, and ensuring the accuracy and compliance of the transaction path. For receiving accounts that do not support SuperNet, the application can automatically complete the receiving bank information based on historical payment records, eliminating the need for manual input by the client. This not only reduces the client's operational burden but also effectively avoids information entry errors, significantly improving payment efficiency and success rate, and helping enterprises achieve more efficient and secure batch payment management.

[0058] It should be noted that the executing entity in this embodiment can be a computing service device with data processing, network communication, and program execution functions, such as a tablet computer, personal computer, or mobile phone; or an electronic device or fund disbursement device capable of performing the above functions; or an electronic system or fund disbursement system capable of performing the above functions. The following description uses a fund disbursement system as an example to illustrate this embodiment and the subsequent embodiments.

[0059] Based on this, the embodiments of this application provide a method for fund disbursement, referring to... Figure 1 , Figure 1 This is a flowchart illustrating the first embodiment of the fund disbursement method for this application.

[0060] In this embodiment, the fund disbursement method includes steps S10 to S40:

[0061] Step S10: In response to the information submission instruction, obtain the receiving account information.

[0062] In this process, when a user or other system issues an information submission instruction, the fund disbursement system responds by obtaining the receiving account information uploaded by the user or sent by the other system.

[0063] As one implementation method, the fund disbursement system has an information submission page. After uploading the receiving account information on the information submission page, the user clicks the information submission button to issue an information submission instruction. The fund disbursement system responds to the information submission instruction, obtains the receiving account information uploaded by the user, and then parses the receiving account information to automatically select a suitable disbursement channel, thus eliminating the need for the user to manually process the payment in batches multiple times.

[0064] Reference Figure 2 , Figure 2 The first page is for submitting the recipient account information in the fund disbursement method of this application. Figure 2 The information submission page is displayed. When the user submits information, the page prompts the user with the following: "The system will identify the recipient's bank card type: 1. If the recipient is a non-standard bank card, 'opening bank and opening location' information is required. The system will automatically supplement this information based on your historical recipient information. If any information cannot be supplemented, please fill it in manually; 2. If the recipient is a standard UnionPay card, 'opening bank and opening location' information is not required. If it has already been filled in, the system will only use 'account number and account name'; 3. If the recipient is a UnionPay card from Bank X, the opening bank will be automatically supplemented to 'Bank X' in the imported application information."

[0065] Reference Figure 3 , Figure 3 Page 2 is the page for submitting the receiving account information in the fund disbursement method of this application. Figure 3After a user uploads their payment account information on the information submission page, the page displays the business model, deduction account, expected date, SMS remarks, business reference number, purpose, and also shows the information on behalf of the user.

[0066] Step S20: Determine whether the receiving card corresponding to the receiving account information can be used for fund disbursement through the Chaowang channel by using the bank card identification code.

[0067] The Bank Identification Number (BIN) can include a bank card prefix, which is used to identify information such as the issuing institution.

[0068] Among them, the SuperNet channel is an interbank clearing platform built to adapt to the characteristics of online payment business. It supports interbank online settlement business (such as online banking transfer, mobile banking transfer, third-party payment, etc.) and realizes transactions with high real-time requirements.

[0069] The process involves determining whether the receiving card corresponding to the receiving account information is a standard UnionPay card according to UnionPay standards. Based on the matched UnionPay card Bin, the bank retrieves the SuperNet Institutional Number from the bank code database. If the SuperNet Institutional Number can be obtained, the transaction will be processed through the SuperNet channel. If the SuperNet Institutional Number cannot be obtained, it means that the bank is not connected to the SuperNet system, and the transaction will be processed automatically based on the account opening location uploaded by the customer, using the large or small amount method.

[0070] In addition, if no card binding rule is found, the correct opening bank and opening location of the card number and account holder will be found based on the successful payment history and supplemented, and finally submitted according to the large and small amount channels.

[0071] Furthermore, the bank identification code can be extracted from the receiving account information. Based on the publicly available bank identification code database or internal system, the card type and issuing bank corresponding to the extracted bank identification code can be determined. Based on the card type and issuing bank, it can be determined whether funds can be disbursed through the Chaowang channel.

[0072] Step S30: If the receiving card cannot be used for fund disbursement through the SuperNet channel, then determine whether the receiving card has a history of successful fund disbursement.

[0073] It should be noted that the fund disbursement system saves historical information on successful disbursements. When it is detected that the receiving card cannot be used for fund disbursement through the Chaowang channel, it can be determined whether the receiving card has historical information on successful disbursements.

[0074] Furthermore, the fund disbursement system will synchronously save / update the detailed data of successful fund disbursements over the past three days every day. When it is detected that the receiving card cannot be used for fund disbursement through the Chaowang channel, it can be determined whether the receiving card has a history of successful fund disbursements.

[0075] Furthermore, it is possible to obtain the user's input payment card account number and / or account name information, and query whether the payment card has a history of successful payouts based on the payment card account number and / or account name information.

[0076] Step S40: If the receiving card has a history of successful fund disbursement, then supplement the receiving bank information based on the history of successful fund disbursement, and disburse funds through large and small amount channels based on the receiving bank information.

[0077] Among them, the two core channels of the large-value and small-value payment system are the large-value channel (HVPS), which supports real-time settlement of any amount of transaction on weekdays, and the small-value channel (BEPS), which provides low-cost interbank payment services for batch processing of funds up to one million yuan (inclusive) 24 / 7.

[0078] If the receiving card has a history of successful fund transfers, the system will automatically supplement the bank and location information based on the successful transfers, thereby improving the success rate of fund transfers and simplifying the fund transfer process for users.

[0079] Reference Figure 4 , Figure 4 This is a flowchart illustrating the routing selection process for the fund disbursement method in this application. Figure 4 Including steps A1 to A6:

[0080] A1: In a single payroll batch, there are both receiving cards that support SuperNet and those that do not.

[0081] A2: The system uses the bank card identification code (BIN) to intelligently identify whether the receiving card can be used for online transactions.

[0082] A3: If the receiving card can be processed through the SuperNet platform, then the SuperNet channel will be used for payment.

[0083] A4: If the receiving card cannot be used through the super network, then check if there is any historical information about successful payouts.

[0084] A5: If there is a history of successful payouts, the system will automatically supplement the recipient information and use the large or small amount payout channels.

[0085] A6. If there is no historical information of successful payouts, the customer will be prompted to supplement the receiving bank information. After the customer completes the supplementation, the payout will be processed through the large or small amount channels.

[0086] This embodiment provides a fund disbursement method. This application allows customers to submit information on both supported and unsupported accounts within the same disbursement batch, eliminating the need for manual data splitting, simplifying the process, and improving the convenience and efficiency of batch processing. This application intelligently identifies the bank and channel support of the receiving card using the bank card identification code, automatically matching and selecting the most suitable disbursement channel (SuperNet or large / small amount), achieving intelligent routing, reducing manual intervention, and ensuring the accuracy and compliance of the transaction path. For receiving accounts that do not support SuperNet channels, this application can automatically complete the receiving bank information based on historical disbursement records, eliminating the need for manual filling by the customer. This not only reduces the customer's operational burden but also effectively avoids information entry errors, significantly improving disbursement efficiency and success rate, and helping enterprises achieve more efficient and secure batch payment management.

[0087] Based on Embodiment 1 of this application, in Embodiment 2 of this application, the content that is the same as or similar to that in Embodiment 1 can be referred to the above description, and will not be repeated hereafter. Based on this, step S20, determining whether the receiving card corresponding to the receiving account information can be used for fund disbursement through the Chaowang channel using the bank card identification code, includes steps S21 to S24:

[0088] Step S21: Based on the preset segmentation and matching rules, the account information in the receiving account information is segmented to obtain at least one prefix;

[0089] The matching rule can be to take the first 12 / 11 / 10 / 9 / 8 / 7 / 6 / 5 / 4 / 3 characters of the account to obtain at least one prefix after the division.

[0090] Step S22: Generate a first key-value pair based on the set of bank card identification codes corresponding to the prefix;

[0091] Further, the length of the prefix and the set of bank card identification codes corresponding to the prefix are assembled into the first key-value pair, where the key of the first key-value pair is the length of the prefix, and the value of the first key-value pair is the set of bank card identification codes corresponding to the prefix.

[0092] In one implementation, the first key-value pair can be named BinMap, where the key of BinMap is the length of the prefix, and BinMap is the set of bank card identification codes corresponding to the prefix.

[0093] For example, if you enter the card number: 6225880139123456 (16 digits), the result is: the first 12 digits: 622588013912, the first 11 digits: 62258801391, ..., the first 6 digits: 622588, ..., the first 3 digits: 622.

[0094] The first key-value pair BinMap generated is: {

[0095] 12:{"622588013912","622848012345"}, / / Set of all 12-bit prefixes

[0096] ...

[0097] 6:{"622588","622848"} / / Standard BIN code set (usually 6 bits)

[0098] ...

[0099] }

[0100] Step S23: Generate a second key-value pair based on the bank card identification code set corresponding to the account;

[0101] Further, the account and the set of bank card identification codes corresponding to the account are assembled into the second key-value pair, where the key of the second key-value pair is the account and the value is the set of bank card identification codes corresponding to the account.

[0102] In one implementation, the second key-value pair can be named AccMap, where the key of AccMap is the account number and the value of AccMap is the set of bank card identification codes corresponding to the account number.

[0103] The generated second key-value pair AccMap is: {

[0104] "6225880139123456":{"622588013912","62258801391",...,"622588"},

[0105] "6228480123456789":{"622848012345","62284801234",...,"622848"},

[0106] ...

[0107] }

[0108] Furthermore, the content in the first key-value pair and the second key-value pair needs to be deduplicated.

[0109] Step S24: Based on the first key-value pair and / or the second key-value pair, determine whether the receiving card corresponding to the receiving account information can be used for fund disbursement through the Chaowang channel.

[0110] Specifically, the system quickly matches the BIN code of the receiving card using pre-built key-value pairs BinMap and AccMap, and combines this with the access rules of the SuperNet channel (such as card type, issuing bank support, amount limits, etc.) to determine whether the card can complete fund disbursement through SuperNet.

[0111] As one implementation approach, you can first query AccMap, and then perform a descending query through BinMap if AccMap does not find a match. AccMap directly stores all possible BIN prefixes corresponding to an account using the account name as the key (e.g., "6225880139123456"). AccMap is implemented using a hash table, and its query time remains constant regardless of the data volume, making it suitable for high-frequency call scenarios. BinMap, on the other hand, stores data in groups by BIN length, requiring descending truncation starting from the first 12 digits of the account name (e.g., 622588013912→62258801391→...→622588) for step-by-step matching. Its query performance is lower than that of AccMap. Therefore, querying AccMap first and then performing a descending query through BinMap if AccMap does not find a match can avoid unnecessary descending traversal and significantly reduce the average query time.

[0112] As another implementation method, the receiving card account can also be queried online to confirm whether the account is valid and whether it has been reported lost / frozen.

[0113] As another implementation method, personal accounts and corporate accounts can be distinguished, with some personal accounts having transfer limits.

[0114] As another implementation method, a local cache is established for frequently occurring BIN codes to reduce external query latency.

[0115] This application innovatively supports the mixed processing of payment account information from both supernet and non-supernet channels within a single payout batch. Through a unified data processing architecture, it achieves automatic identification and classification of accounts from different channels, eliminating the need for manual data splitting and significantly improving the efficiency of batch operations. This application also achieves accurate identification of supernet channels by efficiently matching BIN codes with key-value pairs.

[0116] Based on the above embodiments, in Embodiment 3 of this application, the same or similar content as the above embodiments can be referred to the above description, and will not be repeated hereafter. Based on this, step S24, determining whether the receiving card corresponding to the receiving account information can be used for fund disbursement through the SuperNet channel based on the first key-value pair and / or the second key-value pair, includes steps S241 to S243:

[0117] Step S241: Match the first key-value pair with the prefix data in the preset UnionPay card prefix database to obtain the matching bank card identification code;

[0118] As one implementation, the UnionPay card prefix database stores all BIN codes issued by banks and indexes them by length or bank category.

[0119] Furthermore, the UnionPay card database synchronizes the latest BIN code data once a day.

[0120] Specifically, it iterates through the BIN prefix set in the first key-value pair, queries the UnionPay card prefix database one by one, and returns the matching bank card identification code.

[0121] As one implementation method, if multiple prefixes match (such as "622588" and "6225880139" both match), the most specific identification code should be selected according to the longest matching principle.

[0122] If a match can be found, it means that the card is a UnionPay card, and you can find out whether the card is from this bank or another bank, as well as the card's online institution number information.

[0123] As one implementation method, an independent cache can be established for high-frequency prefix lengths (such as 6, 8, and 9 bits) to perform queries directly in memory, reducing the number of database queries.

[0124] As another implementation method, for long account numbers (such as 19-digit credit cards), multiple possible prefix lengths (such as 6, 8, 9, and 12 digits) are queried simultaneously, and the first matching result is taken.

[0125] As another implementation, for BIN prefixes that do not match completely (such as newly issued card segments), the closest identification code is returned through a similarity algorithm (such as a prefix tree).

[0126] Step S242: Match the matched bank card identification code with the second key-value pair to obtain the matching result;

[0127] If the matched bank card identification code is "622588013912" or "622588", then check whether the matched bank card identification code is in the set of the corresponding account in the second key-value pair. If the matched bank card identification code is "622588013912" and the set of "6225880139123456" in the second key-value pair contains this value, then return a successful match; if the matched bank card identification code is "622588" (primary card BIN code), but this value is not in the set, then return a failed match (further verification of the relationship between the primary card and the child card is required).

[0128] As another implementation method, the specific matching rule can be: traverse the keys (accounts) and values ​​(accounts corresponding to the BIN set) of AccMap, and use the BIN + account length to match with the existing BIN set. If a match is found, it is a standard UnionPay card; if no match is found, it is a non-standard UnionPay card.

[0129] As one implementation method, if the bank card identification code is in the blacklist, a mismatch will be returned directly.

[0130] Step S243: Based on the matching results, determine whether the receiving card corresponding to the receiving account information can be used for fund disbursement through the Chaowang channel.

[0131] If the matching result is successful, the matched bank card identification code corresponds to a standard UnionPay card, and the SuperNet Institutional Number in the receiving account information is matched with the data in the preset SuperNet Institutional Number database. If the SuperNet Institutional Number in the receiving account information matches the data in the preset SuperNet Institutional Number database, the receiving card corresponding to the receiving account information will have funds disbursed through the SuperNet channel. If the SuperNet Institutional Number in the receiving account information fails to match the data in the SuperNet Institutional Number database, the receiving card corresponding to the receiving account information will have funds disbursed through the large and small amount channels.

[0132] This application achieves accurate identification of the supernet channel by matching the BIN code with the first key-value pair and the second key-value pair respectively.

[0133] Based on the above embodiments, in Embodiment 4 of this application, the same or similar content as the above embodiments can be referred to the above description, and will not be repeated hereafter. Based on this, step S243, determining whether the receiving card corresponding to the receiving account information can be used for fund disbursement through the Chaowang channel based on the matching result, includes steps S2431 to S2435:

[0134] Step S2431: If the matching result is a successful match, then the matched bank card identification code corresponds to a standard UnionPay card.

[0135] When a successful match is displayed, it means that the bank card identification code conforms to the relevant characteristics and specifications of a standard UnionPay card, confirming that the bank card corresponding to the identification code is a standard UnionPay card. Standard UnionPay cards typically follow unified business rules and technical standards, exhibiting good universality and compatibility in interbank transactions.

[0136] If the matching result is successful, the matched bank card identification code corresponds to a standard UnionPay card, and it can also be determined whether the card is a card from this bank or another bank, as well as the card's super-network institution number information.

[0137] Among them, the Super Online Banking Institutional Number refers to the institutional identification number in China UnionPay's Super Online Banking system. Each bank or financial institution participating in Super Online Banking will be assigned a unique institutional number, which can be used to identify and distinguish different financial institutions.

[0138] Step S2432: If the matching result is a failure, then the matched bank card identification code corresponds to a non-standard bank card.

[0139] When the bank card identification code fails to match the second key-value pair, it indicates that the bank card does not conform to the definition and standards of a standard UnionPay card. It may have special business rules, technical implementations, or specific requirements of the issuing institution, thus classifying it as a non-standard bank card. Non-standard bank cards may require special procedures or methods for interbank transaction processing.

[0140] Step S2433: If the matched bank card identification code corresponds to a standard UnionPay card, then match the SuperNet Institution Number in the receiving account information with the data in the preset SuperNet Institution Number database.

[0141] In cases where it is known that the recipient's card is a standard UnionPay card, further matching can be performed between the recipient's card's SuperNetwork Institution Number and the maintained SuperNetwork Institution Number data.

[0142] Step S2434: If the SuperNet organization number in the receiving account information matches the data in the preset SuperNet organization number database, the receiving card corresponding to the receiving account information will be used for fund disbursement through the SuperNet channel.

[0143] When the Chaowang institution number is successfully matched, it indicates that the financial institution to which the receiving account belongs has connected to the Chaowang system and supports fund disbursement services through Chaowang channels. Therefore, it can be confirmed that the receiving card can quickly and efficiently complete fund disbursement operations using Chaowang channels.

[0144] Step S2435: If the SuperNet Institution Number in the receiving account information fails to match the data in the SuperNet Institution Number database, the receiving card corresponding to the receiving account information will be used for fund disbursement through the large and small amount channels.

[0145] If the SuperNet institution number fails to match, it means that the financial institution to which the receiving account belongs is not connected to the SuperNet system or does not support fund disbursement through SuperNet channels. In this case, to ensure that funds can be successfully disbursed to the receiving account, the system will automatically select the large or small value disbursement channel as an alternative. Furthermore, if the receiving card is not matched to a UnionPay card or is a UnionPay card that is not participating in the SuperNet system, it will be determined that the large or small value disbursement channel will be used.

[0146] This application embodiment, through step-by-step matching and judgment, can accurately identify the bank card type (standard UnionPay card or non-standard bank card) and whether the institution to which the receiving account belongs supports the SuperNet service, thereby selecting the most suitable fund disbursement channel for different bank cards and institutions, avoiding business processing failures or delays caused by improper channel selection, and improving the accuracy and success rate of business processing.

[0147] Based on the above embodiments, in Embodiment 5 of this application, the content that is the same as or similar to the above embodiments can be referred to the above description, and will not be repeated hereafter. On this basis, determining whether the receiving card has historical information of successful payouts includes steps S31 to S32:

[0148] Step S31: Obtain the account number and / or account holder information of the receiving card;

[0149] Step S32: Query the detailed data of successful payments within a preset time period based on the account and / or account name information of the receiving card.

[0150] The system synchronously saves / updates daily with detailed data on successful fund transfers over the past three days. Upon receiving the correct recipient card number and account name information from the user, the system queries for past successful fund transfer records for that card based on the account name and / or account information. If the receiving card has a history of successful fund transfers, the system supplements the receiving bank information based on this history and then transfers funds through large and small value payment channels based on that information.

[0151] This application innovatively introduces a historical fund transfer record analysis module for accounts that do not support the SuperNet channel. By comparing historical transaction data, it automatically completes key fields such as the name and address of the receiving bank, and transfers funds through large and small value channels based on the receiving bank information.

[0152] For example, to help understand the implementation process of the fund disbursement method obtained in this embodiment in combination with the above embodiments, please refer to... Figure 5 , Figure 5 A simplified flowchart of a fund disbursement method is provided. Specifically, the process includes steps B1 to B9:

[0153] B1. The user submits the receiving account information and enters the receiving account information into the card BIN matching interface.

[0154] B2. Perform basic permission verification and account validity verification on the receiving account information.

[0155] B3. Construct two key-value pairs, BinMap and AccMap. The key of BinMap is the prefix length, and the value is the set of Bins corresponding to that prefix length. The key of AccMap is the account number in the payment account information, and the value is the set of Bins corresponding to each account. The BIN prefix division method is to take the first 12 / 11 / 10 / 9 / 8 / 7 / 6 / 5 / 4 / 3 characters of each account.

[0156] B4. Retrieve the bin value information existing in BinMap (according to bin + account length) and match it with the pre-maintained bin data.

[0157] B5. If the matching result is successful, the matched bank card identification code corresponds to a standard UnionPay card.

[0158] B6. If the matching result is a failure, the matched bank card identification code corresponds to a non-standard bank card, and the funds will be disbursed through the large and small amount channels.

[0159] B7. Further obtain the SuperNet organization number corresponding to the account, and match the SuperNet organization number in the payment account information with the data in the preset SuperNet organization number database.

[0160] B8. If the Chaowang organization number in the receiving account information matches the data in the preset Chaowang organization number database, the receiving card corresponding to the receiving account information will be used for fund disbursement through the Chaowang channel.

[0161] B9. If the SuperNet Institution Number in the receiving account information fails to match the data in the SuperNet Institution Number database, the receiving card corresponding to the receiving account information will be used for fund disbursement through the large and small amount channels.

[0162] This application's embodiments embed bank channel compliance verification rules during the routing process, performing basic permission verification and account legitimacy verification on the receiving account information to ensure that the transaction path complies with payment settlement management requirements and reduce operational risks. Furthermore, this application's embodiments use the card's BIN code to analyze the bank and channel support status of the receiving card in real time, and automatically match the optimal payment channel (super-payment / large and small amount payment systems) based on a preset routing rule base, achieving dynamic optimization and compliance verification of the transaction path.

[0163] It should be noted that the above examples are only for understanding this application and do not constitute a limitation on the fund disbursement method of this application. Any simple modifications based on this technical concept are within the protection scope of this application.

[0164] This application also provides a fund disbursement device; please refer to [reference needed]. Figure 6 The fund disbursement device includes:

[0165] The account information acquisition module 10 is used to acquire the receiving account information in response to the information submission instruction;

[0166] Account information judgment module 20 is used to determine whether the receiving card corresponding to the receiving account information can be used for fund disbursement through the Chaowang channel by using the bank card identification code;

[0167] The historical information judgment module 30 is used to determine whether the receiving card has historical information of successful fund disbursement if the receiving card cannot be disbursed through the SuperNet channel.

[0168] The information supplementation module 40 is used to supplement the receiving bank information based on the historical information of successful fund disbursement if the receiving card has such information, and to disburse funds through large and small amount channels based on the receiving bank information.

[0169] The fund disbursement device provided in this application, employing the fund disbursement method described in the above embodiments, can solve the technical problem that current fund disbursement methods suffer from information errors and omissions during data splitting, easily leading to disbursement failures or fund delays. Compared with the prior art, the beneficial effects of the fund disbursement device provided in this application are the same as those of the fund disbursement method provided in the above embodiments, and other technical features in the fund disbursement device are the same as those disclosed in the methods of the above embodiments, and will not be repeated here.

[0170] This application provides a fund disbursement device, which includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, which are executed by the at least one processor to enable the at least one processor to perform the fund disbursement method in Embodiment 1 above.

[0171] The following is for reference. Figure 7 The diagram illustrates a structural schematic suitable for implementing the fund disbursement device in the embodiments of this application. The fund disbursement device in the embodiments of this application may include, but is not limited to, mobile terminals such as mobile phones, laptops, digital broadcast receivers, PDAs (Personal Digital Assistants), PADs (Portable Application Description), PMPs (Portable Media Players), in-vehicle terminals (e.g., in-vehicle navigation terminals), and fixed terminals such as digital TVs and desktop computers. Figure 7 The fund disbursement device shown is merely an example and should not impose any limitations on the functionality and scope of use of the embodiments of this application.

[0172] like Figure 7As shown, the fund disbursement device may include a processing unit 1001 (e.g., a central processing unit, a graphics processing unit, etc.), which can perform various appropriate actions and processes according to a program stored in a read-only memory 1002 or a program loaded from a storage device 1003 into a random access memory 1004. The random access memory 1004 also stores various programs and data required for the operation of the fund disbursement device. The processing unit 1001, the read-only memory 1002, and the random access memory 1004 are interconnected via a bus 1005. An input / output interface 1006 is also connected to the bus. Typically, the following systems can be connected to the input / output interface 1006: input devices 1007 including, for example, a touchscreen, touchpad, keyboard, mouse, image sensor, microphone, accelerometer, gyroscope, etc.; output devices 1008 including, for example, a liquid crystal display (LCD), speaker, vibrator, etc.; storage devices 1003 including, for example, magnetic tape, hard disk, etc.; and communication devices 1009. Communication device 1009 allows the funds disbursement device to communicate wirelessly or wiredly with other devices to exchange data. Although the figures show funds disbursement devices with various systems, it should be understood that implementation or possession of all the systems shown is not required. More or fewer systems may be implemented alternatively.

[0173] Specifically, according to the embodiments disclosed in this application, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, embodiments disclosed in this application include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for performing the methods shown in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via a communication device, or installed from storage device 1003, or installed from read-only memory 1002. When the computer program is executed by processing device 1001, it performs the functions defined in the methods of the embodiments disclosed in this application.

[0174] The fund disbursement device provided in this application, employing the fund disbursement method described in the above embodiments, can solve the technical problem that current fund disbursement methods suffer from information errors and omissions during data splitting, easily leading to disbursement failures or fund delays. Compared with the prior art, the beneficial effects of the fund disbursement device provided in this application are the same as those of the fund disbursement method provided in the above embodiments, and other technical features of this fund disbursement device are the same as those disclosed in the previous embodiment method, and will not be repeated here.

[0175] It should be understood that the various parts disclosed in this application can be implemented using hardware, software, firmware, or a combination thereof. In the description of the above embodiments, specific features, structures, materials, or characteristics can be combined in any suitable manner in one or more embodiments or examples.

[0176] The above description is merely a specific embodiment of this application, but the scope of protection of this application 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 application should be included within the scope of protection of this application. Therefore, the scope of protection of this application should be determined by the scope of the claims.

[0177] This application provides a computer-readable storage medium having computer-readable program instructions (i.e., a computer program) stored thereon, the computer-readable program instructions being used to execute the fund disbursement method in the above embodiments.

[0178] The computer-readable storage medium provided in this application may be, for example, a USB flash drive, but is not limited to, electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems or devices, or any combination thereof. More specific examples of computer-readable storage media may include, but are not limited to: electrical connections having 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 fibers, portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination thereof. In this embodiment, the computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system or device. The program code contained on the computer-readable storage medium may be transmitted using any suitable medium, including but not limited to: wires, optical cables, RF (Radio Frequency), etc., or any suitable combination thereof.

[0179] The aforementioned computer-readable storage medium may be included in the fund disbursement device; or it may exist independently and not assembled into the fund disbursement device.

[0180] The aforementioned computer-readable storage medium carries one or more programs. When these programs are executed by the fund disbursement device, the fund disbursement device causes the following: in response to an information submission instruction, it obtains the receiving account information; determines, through the bank card identification code, whether the receiving card corresponding to the receiving account information can be used for fund disbursement via the online payment channel; if the receiving card cannot be used for fund disbursement via the online payment channel, it determines whether the receiving card has a history of successful fund disbursement; if the receiving card has a history of successful fund disbursement, it supplements the receiving bank information based on the history of successful fund disbursement and disburses funds through large and small value channels based on the receiving bank information.

[0181] Computer program code for performing the operations of this application can be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, and C++, as well as conventional procedural programming languages ​​such as "C" or similar programming languages. The program code can be executed entirely on the user's computer, partially on the user's computer, as a standalone software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In cases involving remote computers, the remote computer can be connected to the user's computer via any type of network—including a Local Area Network (LAN) or a Wide Area Network (WAN)—or can be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0182] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of this application. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in the block diagrams and / or flowcharts, and combinations of blocks in the block diagrams and / or flowcharts, can be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0183] The modules described in the embodiments of this application can be implemented in software or hardware. The names of the modules do not necessarily limit the functionality of the unit itself.

[0184] The readable storage medium provided in this application is a computer-readable storage medium that stores computer-readable program instructions (i.e., computer programs) for executing the above-described fund disbursement method. This solves the technical problem that current fund disbursement methods suffer from information errors and omissions during data splitting, easily leading to disbursement failures or fund delays. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided in this application are the same as those of the fund disbursement method provided in the above embodiments, and will not be elaborated upon here.

[0185] The above description is only a part of the embodiments of this application and does not limit the patent scope of this application. All equivalent structural transformations made under the technical concept of this application and using the contents of the specification and drawings of this application, or direct / indirect applications in other related technical fields, are included in the patent protection scope of this application.

Claims

1. A method for disbursing funds on behalf of others, characterized in that, The method includes: In response to an information submission instruction, obtain the receiving account information; The bank card identification code is used to determine whether the receiving card corresponding to the receiving account information can be used for fund disbursement through the Chaowang channel. If the receiving card cannot be used for fund disbursement through the Chaowang channel, then it is determined whether the receiving card has a history of successful fund disbursement. If the receiving card has a history of successful fund transfers, the receiving bank information is supplemented based on the history of successful fund transfers, and the funds are transferred through large and small amount channels based on the receiving bank information.

2. The method as described in claim 1, characterized in that, The step of determining whether the receiving card corresponding to the receiving account information can be used for fund transfer through the Chaowang channel via the bank card identification code includes: Based on preset segmentation and matching rules, the account numbers in the receiving account information are segmented to obtain at least one prefix; Generate a first key-value pair based on the set of bank card identification codes corresponding to the prefix; A second key-value pair is generated based on the bank card identification code set corresponding to the account; Based on the first key-value pair and / or the second key-value pair, determine whether the receiving card corresponding to the receiving account information can be used for fund disbursement through the Chaowang channel.

3. The method as described in claim 2, characterized in that, The step of generating the first key-value pair based on the bank card identification code set corresponding to the prefix includes: The length of the prefix and the set of bank card identification codes corresponding to the prefix are assembled into the first key-value pair, where the key of the first key-value pair is the length of the prefix, and the value of the first key-value pair is the set of bank card identification codes corresponding to the prefix.

4. The method as described in claim 2, characterized in that, The step of generating the second key-value pair based on the bank card identification code set corresponding to the account includes: The account and the set of bank card identification codes corresponding to the account are assembled into the second key-value pair, where the key of the second key-value pair is the account and the value is the set of bank card identification codes corresponding to the account.

5. The method as described in claim 2, characterized in that, The step of determining whether the receiving card corresponding to the receiving account information can be used for fund transfer through the Chaowang channel based on the first key-value pair and / or the second key-value pair includes: The first key-value pair is matched with the prefix data in the preset UnionPay card prefix database to obtain the matching bank card identification code; The matched bank card identification code is matched with the second key-value pair to obtain the matching result; Based on the matching results, it is determined whether the receiving card corresponding to the receiving account information can be used for fund disbursement through the Chaowang channel.

6. The method as described in claim 5, characterized in that, The step of determining whether the receiving card corresponding to the receiving account information can be used for fund transfer through the Chaowang channel based on the matching results includes: If the matching result is successful, then the matched bank card identification code corresponds to a standard UnionPay card; If the matching result is a failure, then the matched bank card identification code corresponds to a non-standard bank card; If the matched bank card identification code corresponds to a standard UnionPay card, then the SuperNet Institution Number in the receiving account information is matched with the data in the preset SuperNet Institution Number database; If the Chaowang organization number in the receiving account information matches the data in the preset Chaowang organization number database, the receiving card corresponding to the receiving account information will be used for fund disbursement through the Chaowang channel. If the SuperNet Institution Number in the receiving account information fails to match the data in the SuperNet Institution Number database, the receiving card corresponding to the receiving account information will have funds disbursed through the large and small amount channels.

7. The method as described in claim 1, characterized in that, The determination of whether the receiving card has a history of successful payouts includes: Obtain the account number and / or account holder information of the receiving card; Based on the account and / or account name information of the receiving card, query the detailed data of successful payments within a preset time period.

8. A fund disbursement device, characterized in that, The device includes: The account information acquisition module is used to obtain the receiving account information in response to the information submission command; The account information judgment module is used to determine whether the receiving card corresponding to the receiving account information can be used for fund disbursement through the Chaowang channel by using the bank card identification code. The historical information judgment module is used to determine whether the receiving card has a history of successful fund disbursement if the receiving card cannot be disbursed through the Chaowang channel. The information supplementation module is used to supplement the receiving bank information based on the historical information of successful fund disbursement if the receiving card has such information, and to disburse funds through large and small amount channels based on the receiving bank information.

9. A fund disbursement device, characterized in that, The device includes: a memory, a processor, and a computer program stored in the memory and executable on the processor, the computer program being configured to implement the steps of the fund disbursement method as described in any one of claims 1 to 7.

10. A storage medium, characterized in that, The storage medium is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by a processor, it implements the steps of the fund disbursement method as described in any one of claims 1 to 7.

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