Bank transaction processing method and bank transaction processing device

Abstract

The application provides a bank transaction processing method and device. The bank transaction processing method includes: when the bank transaction is a remittance transaction, judging the type of the remittance transaction according to the bank number of the payee's account opening bank; if the type of the remittance transaction is For intra-bank transactions, determine the payment path of the intra-bank transaction; send the payment path of the intra-bank transaction to the transaction channel; if the type of remittance transaction is an inter-bank transaction, determine the payment path of the inter-bank transaction; send the payment path of the inter-bank transaction to the transaction channel ; When the bank transaction is an inward clearing transaction, determine the clearing institution and payment resource of the incoming account message of the inward clearing transaction; according to the clearing institution and payment resource of the incoming account message, perform Clearance processing. In the present application, user experience is improved and transaction processing efficiency is improved through the above method when processing the remittance transaction. And, the processing efficiency of inward clearing transactions is improved.

Description

technical field [0001] The present application relates to the financial field, in particular to a bank transaction processing method and device. Background technique [0002] With the development of the national economy, the role of banks in people's daily life is becoming more and more important. Users can conduct various forms of economic activities through banks, such as deposits, loans, credit card business, stock investment, futures investment and gold investment. [0003] For banks, bank transactions mainly include remittance transactions (such as remittances to other banks) and remittance clearing transactions (such as receiving remittances from other banks and transferring them to corresponding accounts). At present, the bank's remittance transaction still requires the user to manually select the payment path (such as selecting an intra-bank transfer or an inter-bank transfer), which has poor user experience and low transaction processing efficiency. And at present...

AI Technical Summary

Problems solved by technology

At present, the bank's remittance transaction still requires the user to manually select the payment path (such as selecting intra-bank transfer or inter-bank transfer), which has poor user experience and low transaction processing efficiency

And at present, the bank's inward clearing transaction still requires the transaction processor to manually process the incoming account message, and the transaction processing efficiency is low

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