CN114493563A - Remittance data processing method and device and electronic equipment - Google Patents
Remittance data processing method and device and electronic equipment Download PDFInfo
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Abstract
The application discloses a remittance data processing method and device and electronic equipment, which can be applied to the field of mobile interconnection or the field of finance. In the invention, a batch operation request of a target account is obtained, wherein the batch operation request comprises a plurality of data operation information; the data operation information comprises remittance currencies, the types of the remittance currencies in different data operation information are not completely the same, and the remittance amount conversion mode in different data operation information are not completely the same, so that the remittance of a plurality of online currencies in batch is realized. In addition, the invention realizes the transfer operation of the target account and the BGL account of the RMB and the BGL account of the remittance currency by taking the BGL account of the RMB and the BGL account of the remittance currency as intermediate accounts and performs remittance operation on the BGL account of the remittance currency according to the data operation information. In the whole process, the deduction operation is performed on the target account only once, so that resources are saved.
Description
Technical Field
The present invention relates to the field of data processing, and more particularly, to a method and an apparatus for processing remittance data, and an electronic device.
Background
When the remittance operation is carried out, if a client account needs to remittance, a background remittance transaction program is called, so that the background remittance transaction program carries out client account deduction and remittance operation. When there are multiple remittance operations, the background remittance transaction program will be called multiple times to perform multiple customer account deduction operations, which wastes resources.
Disclosure of Invention
In view of the above, the present invention provides a method, an apparatus and an electronic device for processing remittance data, so as to solve the problem that resources are wasted when a background remittance transaction program is called for multiple times to perform multiple customer account deduction operations.
In order to solve the technical problems, the invention adopts the following technical scheme:
a method of processing remittance data, comprising:
acquiring a batch operation request of a target account, wherein the batch operation request comprises a plurality of data operation information; the data operation information comprises remittance currencies, the types of the remittance currencies in different data operation information are not completely the same, and the remittance amount and the conversion mode of the remittance amount in different data operation information are not completely the same;
for each piece of data operation information, determining a RMB parameter value corresponding to the data operation information;
according to the data operation information and the RMB parameter value corresponding to the data operation information, carrying out money purchasing operation on a BGL account and a BGL account of a remittance currency type, and calculating a service parameter value corresponding to the money purchasing operation;
transferring accounts of the BGL accounts and the service accounts according to the service parameter values;
calculating the sum of the RMB parameter value and the service parameter value, and performing transfer operation of the target account and the RMB BGL account based on the sum;
and performing remittance operation on the BGL account of the remittance currency according to the data operation information.
Optionally, determining a renminbi parameter value corresponding to the data operation information includes:
and obtaining remittance detail information in the data operation information, and calculating a RMB parameter value corresponding to the remittance detail information.
Optionally, performing a money purchase operation on a rmb BGL account and a remittance currency BGL account according to the data operation information and a rmb parameter value corresponding to the data operation information, and calculating a service parameter value corresponding to the money purchase operation, including:
determining a BGL account of the remittance currency according to the remittance currency in the data operation information;
based on the RMB parameter value corresponding to the data operation information, carrying out money purchasing operation on a RMB BGL account and a remittance currency BGL account;
and calculating a service parameter value corresponding to the money purchasing operation according to the transfer rate information between the BGL account of the RMB and the BGL account of the money transfer currency.
Optionally, performing a money transfer operation on the BGL account according to the data operation information, including:
determining a target remittance account in the remittance detail information according to the remittance detail information in the data operation information;
a money transfer operation is performed between the money transfer currency, BGL, account and the target money transfer account.
Optionally, after performing a money transfer operation on the BGL account according to the data operation information, the method further includes:
and summarizing the transfer operation results of the target account and the BGL account and the remittance operation results when the BGL account performs remittance operation to obtain the transaction information, and sending the transaction information to a user terminal corresponding to the target account.
A remittance data processing apparatus comprising:
the request acquisition module is used for acquiring batch operation requests of the target accounts, and the batch operation requests comprise a plurality of data operation information; the data operation information comprises remittance currencies, the types of the remittance currencies in different data operation information are not completely the same, and the remittance amount and the conversion mode of the remittance amount in different data operation information are not completely the same;
the parameter determining module is used for determining a RMB parameter value corresponding to the data operation information for each data operation information;
the first data calculation module is used for carrying out money purchasing operation on a RMB BGL account and a remittance currency BGL account according to the data operation information and the RMB parameter value corresponding to the data operation information, and calculating a service parameter value corresponding to the money purchasing operation;
the transfer operation module is used for carrying out transfer operation of the BGL account and the service account according to the service parameter value;
the second data calculation module is used for calculating the sum of the RMB parameter value and the service parameter value and performing transfer operation of the target account and the RMB BGL account based on the sum;
and the remittance operation module is used for performing remittance operation on the BGL account of the remittance currency according to the data operation information.
Optionally, the parameter determining module is specifically configured to:
and obtaining remittance detail information in the data operation information, and calculating a RMB parameter value corresponding to the remittance detail information.
Optionally, the first data calculation module includes:
the first account determination submodule is used for determining a BGL account of the remittance currency according to the remittance currency in the data operation information;
the money purchasing operation submodule is used for performing money purchasing operation on a RMB BGL account and a remittance currency BGL account based on the RMB parameter value corresponding to the data operation information;
and the data calculation submodule is used for calculating a service parameter value corresponding to the money purchasing operation according to the transfer rate information between the BGL account of the RMB and the BGL account of the money transfer currency.
Optionally, the money transfer operation module is specifically configured to:
and determining a target remittance account in the remittance detail information according to the remittance detail information in the data operation information, and performing remittance operation between the BGL account of the remittance currency and the target remittance account.
An electronic device, comprising: a memory and a processor;
wherein the memory is used for storing programs;
the processor invokes the program and is configured to perform the method of processing money transfer data described above.
Compared with the prior art, the invention has the following beneficial effects:
the invention provides a remittance data processing method, a remittance data processing device and electronic equipment, wherein a batch operation request of a target account is obtained, the batch operation request comprises a plurality of data operation information, for each data operation information, a RMB parameter value corresponding to the data operation information is determined, a remittance operation of a BGL account and a BGL account of remittance currency is carried out according to the data operation information and the RMB parameter value corresponding to the data operation information, a service parameter value corresponding to the remittance operation is calculated, a transfer operation of the BGL account and a service account is carried out according to the service parameter value, the sum of the RMB parameter value and the service parameter value is calculated, the transfer operation of the target account and the BGL account is carried out based on the sum, according to the data operation information, and performing remittance operation on the BGL account of the remittance currency. In the invention, the BGL account of the RMB and the BGL account of the remittance currency are used as intermediate accounts, so that the transfer operation of the target account and the BGL account of the RMB is realized, and the BGL account of the remittance currency is remitted according to the data operation information. In the whole process, the deduction operation is performed on the target account only once, so that resources are saved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
FIG. 1 is a flow chart of a method of processing remittance data according to an embodiment of the present invention;
FIG. 2 is a flow chart of a method of processing remittance data according to an alternative embodiment of the present invention;
fig. 3 is a block diagram of a remittance data processing apparatus according to an embodiment of the invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
In order that those skilled in the art will be able to more clearly understand the present invention, certain terms used herein will now be explained.
Currency conversion: the exchange method is characterized in that one currency is exchanged into another currency according to an exchange rate, and the exchange can be between the RMB and the foreign currency (the exchange rate between the RMB and the foreign currency is called a trade mark price) or between the RMB and the foreign currency.
Buying money: the method is a scene of currency exchange, and means that a customer converts the RMB in a hand into foreign currency through the price of the bank.
BGL account: the accounts used in the bank of China are classified into different currencies, and are also called temporary accounts or transitional accounts or 9991 accounts.
Batch: the transactions in the same batch are called the same batch, one batch transaction comprises a plurality of detailed transactions, and the fund source of one batch transaction is the same account of the customer.
Detail transaction: a money transfer transaction.
Batch serial number: the transaction serial number of each batch is unique, batch transactions can be inquired through the serial number, and the batch serial number refers to a remittance serial number.
Remittance is also known as "remittance". One of international settlement payment methods. The payer can actively remit the money to the payee through a third party (usually a bank) using various settlement tools.
The units often send money to the local personnel around the world on a public or irregular basis, and the money transfer has the following characteristics:
1) one batch at a time to send money to multiple recipients simultaneously;
2) the currency of remittance to different recipients may be different;
3) one batch has remittance both in-house and out-of-country, the remittance in-house can be the remittance in the same city or in different places, the remittance out-of-country can be the remittance in an out-of-country cable port, Australia or international cable transfer, etc., the bank charge rates of different remittance types are different;
4) in the remittance detail of the same batch, the remittance detail can be the foreign currency amount of the designated remittance currency, and can also be the equivalent RMB amount of the designated remittance currency;
5) the remittance fund source can be the RMB account of the remittance units in China bank, the current remittance account of the bank, or the RMB check of other pedestrians, and the most common fund source is the RMB account of the bank.
When the remittance operation is carried out, if a client account needs to remittance, a background remittance transaction program is called, so that the background remittance transaction program carries out client account deduction and remittance operation. When there are multiple remittance operations, the background remittance transaction program will be called multiple times to perform multiple customer account deduction operations, which wastes resources.
In order to solve the technical problem, the inventor finds that money of a user account can be transferred to a BGL account by using an internal account of a bank, namely an intermediate account during money transfer operation of the BGL account, so that money is transferred to a plurality of receivers at the same time regardless of fund sources, and the money is deducted from the user account only once, so that the total money transfer amount is reflected on the user account, the resources are saved, and the user experience is improved.
Specifically, the invention provides a remittance data processing method, a remittance data processing device and electronic equipment, wherein a batch operation request of a target account is obtained, the batch operation request comprises a plurality of data operation information, the data operation information comprises remittance currency types, the remittance currency types in different data operation information are not completely the same, and remittance amount conversion modes in different data operation information are not completely the same. For each piece of data operation information, determining a RMB parameter value corresponding to the data operation information, carrying out money purchasing operation on a BGL account and a BGL account of a remittance currency according to the data operation information and the RMB parameter value corresponding to the data operation information, calculating a service parameter value corresponding to the money purchasing operation, carrying out transfer operation on the BGL account and the service account according to the service parameter value, calculating the sum of the BGL parameter value and the service parameter value, carrying out transfer operation on the target account and the BGL account of the RMB currency based on the sum, and carrying out remittance operation on the BGL account of the remittance currency according to the data operation information. In the invention, the BGL account of the RMB and the BGL account of the remittance currency are used as intermediate accounts, so that the transfer operation of the target account and the BGL account of the RMB is realized, and the BGL account of the remittance currency is remitted according to the data operation information. In the whole process, the deduction operation is performed on the target account only once, so that resources are saved.
It should be noted that the remittance data processing method, the remittance data processing device and the electronic equipment provided by the invention can be used in the field of mobile internet or the field of finance. The above description is only an example, and does not limit the application fields of the method, device and electronic device for processing remittance data provided by the present invention.
Based on the above, another embodiment of the present invention provides a method for processing remittance data, and the execution subject of the present invention may be a server, a processor, or the like. Referring to fig. 1, a method of processing remittance data may include:
and S11, acquiring the batch operation request of the target account.
The batch operation request in the invention can be a batch remittance request, the batch remittance request comprises a plurality of data operation information, the data operation information comprises remittance currency, for example, the data operation information can be remittance details (or remittance detail information), such as remittance fund source, account property, remittance unit address, remittance rate date, payment account number, remittance currency (such as dollar, RMB, British and the like), collection account, remittance amount conversion mode (divided into known remittance amount and RMB amount required by known remittance), and the like.
In practical application, batch remittance operation can be realized, wherein the remittance currency types in the different data operation information are not completely the same in batch remittance, and if the remittance is remittance to an account of a dollar currency type, if the remittance is remittance to an account of a british currency type, if the remittance is remittance to an account of a RMB currency type, and the like. In addition, the remittance amount and the remittance amount in different data operation information are not converted in the same way, and some remittance amounts are known to be $ 100, and some remittance amounts are known to be 1800 RMB, and the like.
Through the data operation information in the batch operation request in the embodiment, batch online multi-currency remittance can be realized.
The batch operation request may be provided by a data entry module, which obtains remittance details (or remittance details) entered by a teller at a front end and records corresponding remittance data in a remittance flow meter (i.e., remittance batch table) and the remittance details respectively. The money transfer schedule may be referenced in table 1.
TABLE 1
The transaction dispatching module receives the batch operation request of the front-end teller, acquires a batch serial number (namely a remittance serial number of the remittance flow water meter), and returns the front-end transaction accepted information. Meanwhile, the batch state is inquired according to the batch serial number, and different processing modules are called according to different remittance batch states.
And S12, determining the RMB parameter value corresponding to the data operation information for each data operation information.
In this embodiment, the plurality of data operation information may be processed in parallel, that is, the renminbi parameter values corresponding to the data operation information are determined in parallel. Wherein the RMB is RMB.
Specifically, the determining of the renminbi parameter value corresponding to the data operation information may be: and obtaining remittance detail information (the remittance detail) in the data operation information, and calculating a RMB parameter value corresponding to the remittance detail information.
In detail, the transaction scheduling module schedules the currency conversion module so that the currency conversion module calculates the numerical value of the RMB required by the remittance operation corresponding to each piece of data operation information, namely the RMB parameter value.
If the remittance amount conversion method is the known remittance amount, the required RMB amount is obtained through conversion. If the conversion mode of the remittance amount is the RMB amount required by the known remittance, the known RMB amount required by the remittance is directly used as the RMB parameter value.
And S13, according to the data operation information and the RMB parameter value corresponding to the data operation information, carrying out money purchasing operation of the BGL account and the BGL account of the remittance currency, and calculating a service parameter value corresponding to the money purchasing operation.
For each piece of data operation information, the receiving account in each piece of data operation information may be an account of a different currency, and if the receiving account in the first piece of data operation information is a dollar account, the money transfer currency corresponding to the first piece of data operation information is dollars, the receiving account in the second piece of data operation information is a pound account, and the money transfer currency of the second piece of data operation information is pound … …, that is, in this embodiment, the method supports money transfer operations on accounts of different currencies in batch money transfer.
Specifically, step S13 may include:
and S21, determining a money transfer currency BGL account according to the money transfer currency in the data operation information.
Specifically, the money transfer currency in the data operation information is obtained, and the BGL account of the money transfer currency is determined to be a foreign currency account, such as a dollar account, a pound account and the like. If the money transfer currency is U.S. dollars, then the money transfer currency BGL account is a U.S. dollar BGL account.
And S22, based on the RMB parameter value corresponding to the data operation information, carrying out the money purchasing operation of the RMB BGL account and the money remittance money BGL account.
Specifically, the currency exchange module inquires the remittance detail information or the remittance detail list according to the batch serial number, obtains the RMB parameter value, circularly calls the core transfer transaction, transfers money through the BGL and the BGL of the bank RMB or the BGL and the BGL of the RMB to finish all detail purchasing, updates the remittance detail state in the remittance detail list, updates the remittance batch state, and returns the batch serial number to the transaction scheduling module after completion.
Note that, for each data operation information, the money purchase operation of the renminbi BGL account and the money transfer currency BGL account is performed once, and may be performed in parallel or sequentially.
And S23, calculating service parameter values corresponding to the money purchasing operation according to the transfer rate information between the BGL account of the RMB and the BGL account of the money transfer currency.
Specifically, the transaction scheduling module calls the calculation charging module, the calculation charging module firstly queries the rate table according to the batch serial number and the remittance type of the remittance detail table to obtain a commission fee charging standard, and then calculates each transaction detail commission fee according to the charging standard, wherein the commission fee is a service parameter value corresponding to the remittance purchase operation.
And S14, transferring the money between the BGL account and the service account according to the service parameter value.
In this embodiment, each remittance may correspond to a transfer operation between the BGL account and the service account. In addition, in order to reduce the number of transfers and save resources, the service parameter values of all remittances are summed to obtain the service parameter value sum, then, according to the service parameter value sum, the commission fee is drawn from the rmb BGL to a service account, such as a commission fee charging account, the remittance batch state is updated, and after the remittance batch serial number is completed, the batch serial number is returned to the transaction scheduling module.
S15, calculating the sum of the RMB parameter value and the service parameter value, and carrying out the transfer operation of the target account and the RMB BGL account based on the sum.
Specifically, the transaction scheduling module calls a client account deducting module, so that the client account deducting module calculates the sum of the RMB parameter value and the service parameter value according to the batch serial number, that is, the sum of the RMB amount exchanged by all the detailed currencies and the commission charge amount is summarized to obtain the total amount, the total amount of the RMB is divided into a RMB BGL account from a client account of a remittance unit, the remittance batch state is updated, and the batch serial number is returned to the transaction scheduling module after the remittance batch serial number is completed.
In this embodiment, only one deduction operation is performed on the target account, and the bank flow only represents one deduction.
And S16, according to the data operation information, performing remittance operation on the BGL account of the remittance currency.
Specifically, step S16 may include:
and determining a target remittance account in the remittance detail information according to the remittance detail information in the data operation information, and performing remittance operation between the BGL account of the remittance currency and the target remittance account.
Specifically, the transaction scheduling module calls the remittance module, so that the remittance module obtains remittance requirements such as remittance currency remittance amount and remittance type of each detail from a remittance detail table according to the batch serial number (determined based on remittance detail information in data operation information), organizes the remittance message to circularly call core remittance transaction, determines a target remittance account in the remittance detail information, and performs remittance operation between the BGL account and the target remittance account. Then recording remittance flow and state, updating remittance batch state, and returning batch flow number to the transaction dispatching module after completion.
In addition, after the remittance operation is performed on the BGL account according to the data operation information, the present invention further includes:
and summarizing the transfer operation results of the target account and the BGL account and the remittance operation results when the BGL account performs remittance operation to obtain the transaction information, and sending the transaction information to a user terminal corresponding to the target account.
Specifically, in this embodiment, in addition to the fact that the bank flow of the customer shows a flow, the user is informed of remittance details, and at this time, the transfer operation results of the target account and the BGL account and the remittance operation result when the BGL account performs remittance operation are summarized to obtain the transaction information, and then the transaction information is sent to the user terminal corresponding to the target account.
In addition, the invention is also provided with a result query module. The result query module considers that a plurality of data in large batch are processed on line, and the problem of communication timeout exists between the result query module and a front-end system, so after the remittance request is accepted, the basic processing flow adopts asynchronous processing, the remittance processing result is not returned in real time, the remittance processing result can be queried through the result query module, and the integrity of the whole flow is improved.
It should be noted that the invention supports breakpoint re-lifting when an exception occurs, and the transaction scheduling module automatically starts processing from the breakpoint according to the batch state, thereby reducing transaction operation processing of the service exception and ensuring transaction integrity.
In this embodiment, a batch operation request of a target account is obtained, where the batch operation request includes a plurality of data operation information, the data operation information includes a remittance currency, types of the remittance currencies in different data operation information are not completely the same, and remittance amount and a remittance amount conversion method in different data operation information are not completely the same. For each piece of data operation information, determining a RMB parameter value corresponding to the data operation information, carrying out money purchasing operation on a BGL account and a BGL account of a remittance currency according to the data operation information and the RMB parameter value corresponding to the data operation information, calculating a service parameter value corresponding to the money purchasing operation, carrying out transfer operation on the BGL account and the service account according to the service parameter value, calculating the sum of the BGL parameter value and the service parameter value, carrying out transfer operation on the target account and the BGL account of the RMB currency based on the sum, and carrying out remittance operation on the BGL account of the remittance currency according to the data operation information. In the invention, the BGL account of the RMB and the BGL account of the remittance currency are used as intermediate accounts, so that the transfer operation of the target account and the BGL account of the RMB is realized, and the BGL account of the remittance currency is remitted according to the data operation information. In the whole process, the deduction operation is performed on the target account only once, so that resources are saved.
In addition, the transaction scheduling module tracks the batch processing condition through the batch serial number, and the transaction scheduling module calls different modules to process according to the batch state of the batch serial number to form a complete transaction flow.
In addition, the invention designs a remittance flow meter (namely a remittance batch table) and a remittance detail table, particularly designs various meaning amount fields, which is convenient for summarizing transfer information.
In addition, multiple multi-currency remittance is realized in an online mode, the timeliness is high, and the requirements of each unit are met.
In addition, the problem that the transaction can not be returned to the front end as normal on-line transaction due to mass data processing is solved through remittance result inquiry.
In addition, the invention supports breakpoint re-lifting when abnormality occurs, and the transaction scheduling module automatically starts processing from the breakpoint according to the batch state, thereby reducing the transaction operation processing of abnormal service and ensuring the integrity of transaction.
Alternatively, on the basis of the above-mentioned embodiment of the method for processing remittance data, another embodiment of the present invention provides a remittance data processing apparatus, which, with reference to fig. 3, may include:
the request acquisition module 11 is configured to acquire a batch operation request of a target account, where the batch operation request includes a plurality of pieces of data operation information; the data operation information comprises remittance currencies, the types of the remittance currencies in different data operation information are not completely the same, and the remittance amount and the conversion mode of the remittance amount in different data operation information are not completely the same;
a parameter determining module 12, configured to determine, for each piece of data operation information, a renminbi parameter value corresponding to the data operation information;
the first data calculation module 13 is configured to perform a money purchase operation on a rmb BGL account and a remittance currency BGL account according to the data operation information and a rmb parameter value corresponding to the data operation information, and calculate a service parameter value corresponding to the money purchase operation;
the transfer operation module 14 is configured to perform transfer operation between the BGL account and the service account according to the service parameter value;
the second data calculation module 15 is configured to calculate a sum of the rmb parameter value and the service parameter value, and perform a transfer operation between the target account and the rmb BGL account based on the sum;
and a remittance operation module 16, configured to perform remittance operation on the BGL account of the remittance currency according to the data operation information.
Further, the parameter determination module is specifically configured to:
and obtaining remittance detail information in the data operation information, and calculating a RMB parameter value corresponding to the remittance detail information.
Further, the first data calculation module includes:
the first account determination submodule is used for determining a BGL account of the remittance currency according to the remittance currency in the data operation information;
the money purchasing operation submodule is used for performing money purchasing operation on a RMB BGL account and a remittance currency BGL account based on the RMB parameter value corresponding to the data operation information;
and the data calculation submodule is used for calculating a service parameter value corresponding to the money purchasing operation according to the transfer rate information between the BGL account of the RMB and the BGL account of the money transfer currency.
Further, the money transfer operation module is specifically configured to:
and determining a target remittance account in the remittance detail information according to the remittance detail information in the data operation information, and performing remittance operation between the BGL account of the remittance currency and the target remittance account.
Further, still include:
and the data output module is used for summarizing the transfer operation results of the target account and the BGL account and the remittance operation results when the BGL account performs remittance operation to obtain the transaction information and sending the transaction information to the user terminal corresponding to the target account.
In this embodiment, a batch operation request of a target account is obtained, where the batch operation request includes a plurality of data operation information, the data operation information includes a remittance currency, types of the remittance currencies in different data operation information are not completely the same, and remittance amount and a remittance amount conversion method in different data operation information are not completely the same. For each piece of data operation information, determining a RMB parameter value corresponding to the data operation information, carrying out money purchasing operation on a BGL account and a BGL account of a remittance currency according to the data operation information and the RMB parameter value corresponding to the data operation information, calculating a service parameter value corresponding to the money purchasing operation, carrying out transfer operation on the BGL account and the service account according to the service parameter value, calculating the sum of the BGL parameter value and the service parameter value, carrying out transfer operation on the target account and the BGL account of the RMB currency based on the sum, and carrying out remittance operation on the BGL account of the remittance currency according to the data operation information. In the invention, the BGL account of the RMB and the BGL account of the remittance currency are used as intermediate accounts, so that the transfer operation of the target account and the BGL account of the RMB is realized, and the BGL account of the remittance currency is remitted according to the data operation information. In the whole process, the deduction operation is performed on the target account only once, so that resources are saved.
It should be noted that, for the working processes of each module and each sub-module in this embodiment, please refer to the corresponding description of the above embodiment, which is not described herein again.
Optionally, on the basis of the above embodiments of the method and apparatus for processing remittance data, another embodiment of the present invention provides an electronic device, including: a memory and a processor;
wherein the memory is used for storing programs;
the processor invokes the program and is configured to perform the method of processing money transfer data described above.
In this embodiment, a batch operation request of a target account is obtained, where the batch operation request includes a plurality of data operation information, the data operation information includes a remittance currency, types of the remittance currencies in different data operation information are not completely the same, and remittance amount and a remittance amount conversion method in different data operation information are not completely the same. For each piece of data operation information, determining a RMB parameter value corresponding to the data operation information, carrying out money purchasing operation on a BGL account and a BGL account of a remittance currency according to the data operation information and the RMB parameter value corresponding to the data operation information, calculating a service parameter value corresponding to the money purchasing operation, carrying out transfer operation on the BGL account and the service account according to the service parameter value, calculating the sum of the BGL parameter value and the service parameter value, carrying out transfer operation on the target account and the BGL account of the RMB currency based on the sum, and carrying out remittance operation on the BGL account of the remittance currency according to the data operation information. In the invention, the BGL account of the RMB and the BGL account of the remittance currency are used as intermediate accounts, so that the transfer operation of the target account and the BGL account of the RMB is realized, and the BGL account of the remittance currency is remitted according to the data operation information. In the whole process, the deduction operation is performed on the target account only once, so that resources are saved.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. A method of processing remittance data, comprising:
acquiring a batch operation request of a target account, wherein the batch operation request comprises a plurality of data operation information; the data operation information comprises remittance currencies, the types of the remittance currencies in different data operation information are not completely the same, and the remittance amount and the conversion mode of the remittance amount in different data operation information are not completely the same;
for each piece of data operation information, determining a RMB parameter value corresponding to the data operation information;
according to the data operation information and the RMB parameter value corresponding to the data operation information, carrying out money purchasing operation on a BGL account and a BGL account of a remittance currency type, and calculating a service parameter value corresponding to the money purchasing operation;
transferring accounts of the BGL accounts and the service accounts according to the service parameter values;
calculating the sum of the RMB parameter value and the service parameter value, and performing transfer operation of the target account and the RMB BGL account based on the sum;
and performing remittance operation on the BGL account of the remittance currency according to the data operation information.
2. The method of processing remittance data according to claim 1, wherein determining the renminbi parameter value corresponding to the data manipulation information comprises:
and obtaining remittance detail information in the data operation information, and calculating a RMB parameter value corresponding to the remittance detail information.
3. The remittance data processing method according to claim 2, wherein performing a remittance purchase operation on a rmb BGL account and a remittance money BGL account based on the data operation information and a rmb parameter value corresponding to the data operation information, and calculating a service parameter value corresponding to the remittance purchase operation, includes:
determining a BGL account of the remittance currency according to the remittance currency in the data operation information;
based on the RMB parameter value corresponding to the data operation information, carrying out money purchasing operation on a RMB BGL account and a remittance currency BGL account;
and calculating a service parameter value corresponding to the money purchasing operation according to the transfer rate information between the BGL account of the RMB and the BGL account of the money transfer currency.
4. The method of processing remittance data according to claim 2, wherein performing a remittance operation on the BGL account for the remittance currency according to the data operation information comprises:
determining a target remittance account in the remittance detail information according to the remittance detail information in the data operation information;
a money transfer operation is performed between the money transfer currency, BGL, account and the target money transfer account.
5. The method of processing remittance data according to claim 1, further comprising, after performing a remittance operation on the BGL account for the remittance currency according to the data operation information:
and summarizing the transfer operation results of the target account and the BGL account and the remittance operation results when the BGL account performs remittance operation to obtain the transaction information, and sending the transaction information to a user terminal corresponding to the target account.
6. A remittance data processing apparatus, comprising:
the request acquisition module is used for acquiring batch operation requests of the target accounts, and the batch operation requests comprise a plurality of data operation information; the data operation information comprises remittance currencies, the types of the remittance currencies in different data operation information are not completely the same, and the remittance amount and the conversion mode of the remittance amount in different data operation information are not completely the same;
the parameter determining module is used for determining a RMB parameter value corresponding to the data operation information for each data operation information;
the first data calculation module is used for carrying out money purchasing operation on a RMB BGL account and a remittance currency BGL account according to the data operation information and the RMB parameter value corresponding to the data operation information, and calculating a service parameter value corresponding to the money purchasing operation;
the transfer operation module is used for carrying out transfer operation of the BGL account and the service account according to the service parameter value;
the second data calculation module is used for calculating the sum of the RMB parameter value and the service parameter value and performing transfer operation of the target account and the RMB BGL account based on the sum;
and the remittance operation module is used for performing remittance operation on the BGL account of the remittance currency according to the data operation information.
7. The remittance data processing apparatus according to claim 6, wherein the parameter determination module is specifically configured to:
and obtaining remittance detail information in the data operation information, and calculating a RMB parameter value corresponding to the remittance detail information.
8. The remittance data processing apparatus according to claim 7, wherein the first data calculation module includes:
the first account determination submodule is used for determining a BGL account of the remittance currency according to the remittance currency in the data operation information;
the money purchasing operation submodule is used for performing money purchasing operation on a RMB BGL account and a remittance currency BGL account based on the RMB parameter value corresponding to the data operation information;
and the data calculation submodule is used for calculating a service parameter value corresponding to the money purchasing operation according to the transfer rate information between the BGL account of the RMB and the BGL account of the money transfer currency.
9. The remittance data processing apparatus according to claim 7, wherein the remittance operation module is specifically configured to:
and determining a target remittance account in the remittance detail information according to the remittance detail information in the data operation information, and performing remittance operation between the BGL account of the remittance currency and the target remittance account.
10. An electronic device, comprising: a memory and a processor;
wherein the memory is used for storing programs;
the processor invokes a program and is configured to perform the method of processing remittance data according to any one of claims 1-5.
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN114912924A (en) * | 2022-06-21 | 2022-08-16 | 中银金融科技有限公司 | Transaction verification method, system, storage medium and electronic device |
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| CN109166045A (en) * | 2018-10-19 | 2019-01-08 | 中国银行股份有限公司 | A kind of transaction processing method, device and electronic equipment |
| CN113450205A (en) * | 2021-06-28 | 2021-09-28 | 中国工商银行股份有限公司 | Method and device for determining optimal remittance path for batch remittance |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN109166045A (en) * | 2018-10-19 | 2019-01-08 | 中国银行股份有限公司 | A kind of transaction processing method, device and electronic equipment |
| CN113450205A (en) * | 2021-06-28 | 2021-09-28 | 中国工商银行股份有限公司 | Method and device for determining optimal remittance path for batch remittance |
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