CN117541241A - Intelligent transfer method and device, memory and electronic equipment - Google Patents
Intelligent transfer method and device, memory and electronic equipment Download PDFInfo
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Abstract
The invention discloses an intelligent transfer method, an intelligent transfer device, a memory and electronic equipment, and belongs to the technical field of bank information. Synchronizing updated line name and line number information of a payment channel to a payment system and storing the information in a corresponding line name and line number table; synchronizing the updated card bin information to the payment system; establishing a mapping relation between the card bin and the line name and line number of the payment channel according to the card bin information and a line number management table of the card issuing mechanism; the payment system obtains the line name line number of the payee according to the payee account by using the mapping relation between the card bin information and the line name line number of the payment channel, and returns the line name line number of the payee to the transfer client; the transfer client forms transfer information comprising the line name and line number of the payee and sends the transfer information to the payment system; and the payment system matches the payment clearing channel by using an intelligent routing algorithm according to the transfer information. The invention reduces the times of manually inputting into the receiving bank, and improves the success rate of transfer and the satisfaction degree of customer experience in the transfer flow.
Description
Technical Field
The invention relates to the technical field of bank information, in particular to an intelligent transfer method, an intelligent transfer device, a memory and electronic equipment.
Background
At present, a mapping relationship cannot be established between a bin number (also called a bin, which is called Bank Identification Number in full) of a bank card and a bank line number (the line number refers to a bank line number, which is a unique identification mark of a local bank), so that a phenomenon exists in the industry, and although a collection bank account number can be identified as a certain bank through the bin, when the bank line number is sent to a highest-level bank secondary payment system, a correct collection line number and a correct clearing line number cannot be sent, so that transfer failure is caused.
Disclosure of Invention
In order to solve the problems in the prior art, the invention provides the following technical scheme.
The first aspect of the present invention provides an intelligent transfer method, comprising:
synchronizing the updated line name and line number information of the payment channel to a payment system and storing the line name and line number information in a corresponding line name and line number table; synchronizing the updated card bin information to the payment system;
establishing a mapping relation between the card bin and the line name and line number of the payment channel according to the card bin information and a card issuing mechanism line number management table, wherein the card issuing mechanism line number management table comprises card issuing mechanism codes and corresponding legal line numbers and legal line names;
the payment system obtains the line name line number of the payee according to the payee account by using the mapping relation between the card bin information and the line name line number of the payment channel, and returns the line name line number of the payee to the transfer client;
the transfer client forms transfer information comprising the line name and line number of the payee and sends the transfer information to the payment system;
the payment system utilizes an intelligent routing algorithm to match a payment clearing channel according to the transfer information;
the payment channel comprises a pedestrian size system, a pedestrian super internet banking system, a city banking clearing center clearing system and an agricultural information banking center clearing system, and the corresponding line name and line number table comprises a large and small line name and line number table, a super internet line name and line number table, a city banking clearing line name and line number table and an agricultural information banking center line name and line number table.
Preferably, the establishing a mapping relationship between the card bin and the line name and line number of the payment channel according to the card bin information and the line number management table of the issuing mechanism includes: in the card issuing mechanism row number management table, searching corresponding legal row numbers and row names according to the card issuing mechanism codes of the card bin information; if the search is successful, the card information is maintained in a card information management table together with the legal row number and the row name, if the search is failed, the card information is maintained in the card information management table, and meanwhile, the legal row number and the legal row name corresponding to the card information are temporarily kept to be empty; the card information management table structure includes: card bin number, primary account number length, card type, card issuing authority name, card issuing authority code, legal person line number, legal person line name, and activation status.
Preferably, the intelligent transfer method provided by the invention further comprises the following steps: if the search fails, fuzzy matching is carried out in the super network line name and line number table and the large and small line name and line number table through the card issuing organization name, and the fuzzy matching algorithm is as follows: firstly, in a super network line name and line number table, carrying out fuzzy matching on a 'participation mechanism name' and a 'card issuing mechanism name', and if the matching is successful, putting a card issuing mechanism code, a 'participation mechanism line number' obtained through matching and the participation mechanism name into a card issuing mechanism number to-be-confirmed table; if the matching fails, continuing the matching in the large and small line name and line number table, namely, in the large and small line name and line number table, carrying out fuzzy matching on the 'issuing mechanism name' and the 'participating mechanism name', and taking a record that the 'participating mechanism line number' is equal to the 'issuing mechanism law line number' from a matching result, if the matching is continued in the large and small line name and line number table, putting the issuing mechanism code, the 'participating mechanism line number' obtained through the matching and the participating mechanism name into an issuing mechanism line number to be confirmed table; the card issuing mechanism row number to-be-confirmed list comprises: the card issuing mechanism code, the card issuing mechanism legal person number, the card issuing mechanism legal person name and the confirmation state.
Preferably, the intelligent transfer method provided by the invention further comprises the following steps: manually confirming the data in the card issuing mechanism row number to-be-confirmed list, and if the data is correct, updating the card issuing mechanism legal row number and the card issuing mechanism legal row name into a card issuing mechanism row number management list and a card bin information management list; if the data is wrong, after the data is manually corrected, updating the legal personnel line number of the card issuing mechanism and the legal personnel line name of the card issuing mechanism into a management table of the legal personnel line number of the card issuing mechanism and a management table of the information of the card bin.
Preferably, the payment system obtains the payee line name line number according to the payee account by using the mapping relationship between the card bin information and the payment channel line name line number, and returns the payee line name line number to the transfer client side comprises:
the account number of the payee is sent to a payment system by the account transfer client, and the payment system matches the card bin information corresponding to the account number;
and obtaining the payee line name line number corresponding to the payee account by using the mapping relation between the card bin information and the payment channel line name line number, and returning the payee line name line number to the transfer client.
Preferably, the transferring client forms transferring information including a payee line name and line number and uploads the transferring information to the payment system includes: the transfer client side judges whether the payment system returns the information of the line name and the line number of the payee, if so, the line name of the payee is displayed on the page without input of a client; if not, displaying an account opening line and an account opening net point selection page, and inputting the account opening line and the account opening net point by a client; according to the account opening line and the account opening net point selected by the client, fuzzy matching is carried out in a large and small line name line number table, the matched result is presented to the client, and the final account opening line of the payee is determined by the client; the transfer client side sends corresponding transfer information to the payment system, wherein the transfer information comprises: payer account number, payer name, payee account number, payee name, payee Fang Hanghao, payee name and transfer amount.
Preferably, the payment system matches a payment clearing path using an intelligent routing algorithm according to transfer information, including:
setting priority orders for the payment channels respectively;
the payment system screens out a legal person list corresponding to the payee account according to the line name and line number list supported by each payment channel;
screening a channel list supporting transfer money according to the initial money and the maximum money of each payment channel from a legal person line list;
screening the payment channels with highest priority according to the priority sequence of each payment channel in the channel list; and according to the legal person running number, inquiring a corresponding clearing running number from a corresponding line name and line number list, so that complete transfer information is sent to a corresponding payment channel, and transfer is completed.
The second aspect of the present invention provides an intelligent transfer apparatus comprising:
the data synchronization module is used for synchronizing the updated line name and line number information of the payment channel to the payment system and storing the line name and line number information in a corresponding line name and line number table; synchronizing the updated card bin information to the payment system;
the system comprises a mapping relation establishing module, a payment channel line name and line number establishing module and a payment channel line name and line number management module, wherein the mapping relation establishing module is used for establishing a mapping relation between a card bin and a payment channel line name and line number according to card bin information and a card issuing mechanism line number management table, the card issuing mechanism line number management table comprises a card issuing mechanism code and a legal line number and legal line name corresponding to the card issuing mechanism line number management table, and the card bin information comprises the card issuing mechanism code;
the payment system is used for obtaining the line name and line number of the payee according to the payee account by using the mapping relation between the card bin information and the line name and line number of the payment channel, and returning the line name and line number of the payee to the transfer client;
the transfer information uploading module is used for forming transfer information comprising a line name and a line number of a payee at the transfer client and uploading the transfer information to the payment system;
the payment clearing channel matching module is used for matching the payment clearing channel by the payment system according to the transfer information by utilizing an intelligent routing algorithm; the payment channel comprises a pedestrian size system, a pedestrian super internet banking system, a city banking clearing center clearing system and an agricultural information banking center clearing system, and the corresponding line name and line number table comprises a large and small line name and line number table, a super internet line name and line number table, a city banking clearing line name and line number table and an agricultural information banking center line name and line number table.
The invention also provides a memory, which stores a plurality of instructions for implementing the intelligent transfer method according to the first aspect.
The invention also provides an electronic device comprising a processor and a memory coupled to the processor, the memory storing a plurality of instructions loadable and executable by the processor to enable the processor to perform the intelligent transfer method of the first aspect.
The beneficial effects of the invention are as follows: the invention provides an intelligent transfer method, a device, a memory and electronic equipment, wherein the method comprises the steps of matching card information with a card issuing line number line name in a payment system, automatically identifying a collection bank, and uploading accurate collection bank line numbers and clearing line numbers to a pedestrian payment system, so that the transfer success rate is improved; in addition, through intelligent routing algorithm, according to the amount of money transferred by the customer and the most efficient route automatically matched for the customer by the money receiving bank, the number of times that the customer manually inputs the money receiving bank is reduced, and customer experience satisfaction in the whole transfer flow is improved.
Drawings
FIG. 1 is a schematic flow chart of an intelligent transfer method according to the present invention;
fig. 2 is a schematic functional structure of the intelligent transfer device according to the present invention.
Detailed Description
In order to better understand the above technical solutions, the following detailed description will be given with reference to the accompanying drawings and specific embodiments.
The method provided by the invention can be implemented in a terminal environment, and the terminal can comprise one or more of the following components: processor, memory and display screen. Wherein the memory stores at least one instruction that is loaded and executed by the processor to implement the method described in the embodiments below.
The processor may include one or more processing cores. The processor connects various parts within the overall terminal using various interfaces and lines, performs various functions of the terminal and processes data by executing or executing instructions, programs, code sets, or instruction sets stored in the memory, and invoking data stored in the memory.
The Memory may include random access Memory (Random Access Memory, RAM) or Read-Only Memory (ROM). The memory may be used to store instructions, programs, code, sets of codes, or instructions.
The display screen is used for displaying a user interface of each application program.
In addition, it will be appreciated by those skilled in the art that the structure of the terminal described above is not limiting and that the terminal may include more or fewer components, or may combine certain components, or a different arrangement of components. For example, the terminal further includes components such as a radio frequency circuit, an input unit, a sensor, an audio circuit, a power supply, and the like, which are not described herein.
Example 1
As shown in fig. 1, an embodiment of the present invention provides an intelligent transfer method, including:
s101, synchronizing updated line name and line number information of a payment channel to a payment system and storing the line name and line number information in a corresponding line name and line number table; synchronizing the updated card bin information to the payment system;
s102, establishing a mapping relation between a card and a payment channel line name and line number according to card information and a card issuing mechanism line number management table, wherein the card issuing mechanism line number management table comprises card issuing mechanism codes and corresponding legal line numbers and legal line names, and the card information comprises the card issuing mechanism codes;
s103, the payment system obtains the line name line number of the payee according to the payee account by using the mapping relation between the card bin information and the line name line number of the payment channel, and returns the line name line number of the payee to the transfer client;
s104, the transfer client forms transfer information comprising the name and the line number of the payee and sends the transfer information to the payment system;
s105, the payment system matches the payment clearing channel by using an intelligent routing algorithm according to the transfer information.
In step S101, the payment channel may include a pedestrian size system, a pedestrian super internet banking system, a city banking clearing center payment clearing system, and a rural power credit banking center payment clearing system, where the corresponding line name and line number table includes a large and small line name and line number table, a super internet line name and line number table, a city banking clearing line name and line number table, and a rural power credit banking center line name and line number table.
In a specific execution process, a large-and-small-amount line name and line number synchronization module can be deployed in a payment system, a line name and line number change notification of a bank of a large-and-small-amount system is received, the received line name and line number is stored in a large-and-small-amount line name and line number table, and the large-and-small-amount line name and line number table specifically can comprise: the information such as the number of the participating mechanism, the name of the participating mechanism, the category of the participating mechanism, the state of the mechanism, the number of the participating mechanism of the direct reference, the number of the affiliated legal person mechanism, the number of the CCPC (city branch processing center) of the participating mechanism, and the like. In addition, a super network line name and line number synchronization module is deployed in the payment system, a change notice of the bank line name and line number of the pedestrian super network bank system is received, and the received line name and line number is stored in a super network line name and line number table, wherein the super network line name and line number table specifically comprises: information such as a participating mechanism line number, a participating mechanism name, a participating mechanism clearing line number, a participating mechanism type, a participating mechanism state, a participating mechanism line code and the like. The system for storing the line name and line number of the city bank can be used for storing the received line name and line number into a city bank line name and line number list, and the city bank line name and line number list can specifically comprise: line number, line name, clearing line number, group category, zip code, address, etc. The method can further deploy an agricultural information silver center line name and line number synchronization module in the payment system, receive an agricultural information silver center line name and line number change notice, store the received line name and line number in an agricultural information silver center line name and line number table, and the agricultural information silver center line name and line number table can specifically comprise: the information such as the organization line number, the organization name, the network access organization attribute, the affiliated member organization line number, the affiliated legal person line number, the legal person mark and the like.
In step S102, the establishing a mapping relationship between the card bin and the line name and line number of the payment channel according to the card bin information and the line number management table of the issuing mechanism may be implemented by the following steps: in the card issuing mechanism row number management table, searching corresponding legal row numbers and legal row names according to the card issuing mechanism codes of the card bin information; if the search is successful, the card bin information is maintained in a card bin information management table together with the legal row number and the legal row name, if the search is failed, the card bin information is maintained in the card bin information management table, and meanwhile, the legal row number and the legal row name corresponding to the card bin information are temporarily kept to be empty; the card information management table structure includes: card bin number, primary account number length, card type, card issuing mechanism name, card issuing mechanism code, legal row number, legal row name and enabling state.
Specifically, a card data synchronization module can be deployed for the payment system, a change notification of the Unionpay card is received, and card information such as a card issuing mechanism code, a card issuing mechanism name, a main account number length, a card number, a card type and the like is analyzed from the change notification of the Unionpay; based on the received card bin information, the legal row number and row name corresponding to the card issuing organization can be searched in the card issuing organization number management table according to the card issuing organization code; the card issuing mechanism line number management table structure can be a field of a card issuing mechanism code, a card issuing mechanism legal pedestrian line number, a card issuing mechanism legal pedestrian line name and an enabling state; in the practical application process, if the card information and the legal line name of the card issuing mechanism can be matched according to the code of the card issuing mechanism, the card information and the legal line name of the card issuing mechanism are maintained in the card information management table, if the legal line name cannot be searched, the card information is maintained in the card information management table, and meanwhile, the legal line number and the legal line name corresponding to the card information are temporarily kept to be empty. If the issuer name and the issuer name cannot be matched according to the issuer code, the issuer name and the issuer name are indicated to be not maintained, and fuzzy matching can be carried out in the super network line name and line number table and the large and small line name and line number table through the issuer name, wherein the fuzzy matching algorithm is as follows: firstly, according to the card issuing organization name, carrying out fuzzy matching on the 'participation organization name' and the 'card issuing organization name' in a super network row name and row number table, if the matching can be achieved, putting the card issuing organization code, the 'participation organization row number' obtained through matching and the 'participation organization name' into a card issuing organization row number to-be-confirmed table. If the matching cannot be achieved in the super network line name and line number table (some participating institutions do not join the super network silver system), the matching is continued in the large and small line name and line number table. Because the large and small line name and line number table has branch line numbers, a lot of records may exist for simple fuzzy matching (for example, a G bank master line and a certain branch line of a G bank can be fuzzy matched by using a 'G bank'), so that records of only matching law people, namely the master line, are added to the part of fuzzy matching algorithm, and the specific matching algorithm is as follows: and (3) carrying out fuzzy matching on the 'participation mechanism name' in the large and small line name and line number table according to the card issuing mechanism name, and taking a record (namely a headquarter) of the participation mechanism line number equal to the legal line number of the card issuing mechanism from the matching result, if the record is matched, putting the card issuing mechanism code, the 'participation mechanism line number' obtained through matching and the participation mechanism name into a card issuing mechanism line number to-be-confirmed table. The structure of the card issuing mechanism row number to-be-confirmed list can be a card issuing mechanism code, a card issuing mechanism legal row number, a card issuing mechanism legal row name and a confirmation state.
In the actual execution process, the data in the card issuing mechanism line number to-be-confirmed list can be confirmed through operators in the card issuing mechanism line number maintenance interface, the card issuing line number and the card issuing line name of the confirmed card issuing mechanism without errors are maintained in the card issuing mechanism line number management list, and meanwhile, the legal line number and the legal line name corresponding to the card issuing mechanism in the card bin information management list are updated. If the data in the card issuing mechanism bank number to be confirmed list is wrong, operators can maintain correct card issuing mechanism legal bank numbers and bank names at a maintenance interface. The system maintains the maintained legal pedestrian number and line name of the card issuing mechanism to a management table of the line number of the card issuing mechanism, and updates the legal line number and legal line name in the management table of the card bin information.
And step S103 is executed, wherein the payment system obtains the line name and the line number of the collection line according to the account number of the collection person by using the mapping relation between the card bin information and the line name and the line number of the bank line, and returns the line name and the line number of the collection line to the transfer client. The method can be used for uploading the account number of the payee to a payment system for a mobile phone bank and an online banking system, and the payment system adopts a 'circular matching' algorithm to match the card bin information of the account number. The cyclic matching algorithm may specifically be: and circularly intercepting the first i bits of the bank card number, wherein i is larger than 1 and smaller than the length of the card number, i is an integer and is increased by 1 each time, searching whether corresponding card information exists in a card information management table according to the intercepted first i bits of the bank card number, and if the corresponding card information exists, searching out the legal row number and the legal row name corresponding to the card information and returning the legal row number and the legal row name to an upstream system to terminate the circulation. If the circulation is finished and the corresponding legal pedestrian line number and line name are still not matched, returning to the upstream system to be empty.
Step S104 may be specifically executed by the mobile banking or the internet banking to determine whether the payment system returns the information of the line name and the line number of the payee, if the information of the payee is returned, the line name of the payee is displayed on the page without input of the client. If the payment system does not return the line name and line number information of the payee, displaying an account opening line and account opening website selection page, and inputting the account opening line and the account opening website by the client. And the mobile banking system and the online banking system perform fuzzy matching in the large and small line name and line number table synchronized by the data center according to the account opening line and the account opening network point selected by the client, and present the matched result to the client, and the client determines the final account opening line of the payee. The mobile banking and the internet banking send corresponding transfer information (payer account number, payer name, payee account number, payee name, payee Fang Hanghao, payee bank name, transfer amount) to the payment system table.
Step S105 may be specifically executed in such a manner that the payment system intelligently matches to a certain payment channel (pedestrian size system, pedestrian super bank system, urban bank clearing system, and rural bank clearing system) according to the transfer information (payer account number, payer name, payee account number, payee name, payee Fang Hanghao, payee line name, transfer amount) according to the intelligent routing algorithm. The intelligent routing algorithm specifically may be: a priority order is preset for each payment channel (a pedestrian size system, a pedestrian super-network bank system, a city bank clearance center and a rural credit bank center), namely, a digital priority order is respectively set for the pedestrian size system, the pedestrian super-network bank system, the city bank clearance center and the rural credit bank center, and the smaller the number is, the larger the digital priority is. For example, the channel priority of the city silver clearing center and the rural silver credit center is 1, the priority of the pedestrian super internet banking system is 2, the priority of the pedestrian small-amount system is 3, and the priority of the pedestrian large-amount system is 4. The payment system adopts a circular matching algorithm to analyze the corresponding card information from the collection account, and if the corresponding card information can be analyzed, the corresponding legal line number of the card is obtained by utilizing a card information management table; if the corresponding card information (the account may be a passbook or a public account) can not be resolved from the account information, the legal person running number corresponding to the collection running number is found out from the large and small line name running number list according to the collection running number sent from the mobile phone bank or the internet bank. The payment system screens a channel list which can support people corresponding to the collection account number according to a line name and line number list supported by each payment channel (a pedestrian size system, a pedestrian super internet banking system, a city banking center and a rural credit banking center), a list L1 is obtained, a channel list L2 which can support the transfer amount is screened according to limit parameters (initial amount and maximum amount) of each channel from the list L1, and a channel with the highest priority is selected in the channel list L2 according to the priority sequence of the channels. If there are more than two channels with highest priority, a payment channel is randomly selected from the channels with highest priority. According to the legal person line number, a corresponding clearing line number is inquired from a line name line number list of the channel, so that complete transfer information (a payer account number, a payer name, a payment line number (a home line number), a payment line name (a home line name), a collection name, a collection account number and a collection line number (if the channel is a super network channel, the collection line number is assigned as the legal person line number, and the participation mechanism of the super network is the legal person mechanism), the clearing line number and the transfer amount) is sent to the corresponding payment channel, and the transfer is completed.
Example two
As shown in fig. 2, another aspect of the present invention further includes a functional module architecture that is completely consistent with the foregoing method flow, that is, the embodiment of the present invention further provides an intelligent transfer device, including:
the data synchronization module 201 is configured to synchronize the updated line name and line number information of the payment channel to the payment system, and store the line name and line number information in a corresponding line name and line number table; synchronizing the updated card bin information to the payment system;
the mapping relationship establishing module 202 is configured to establish a mapping relationship between a card bin and a line name and line number of a payment channel according to card bin information and a card issuing mechanism line number management table, where the card issuing mechanism line number management table includes a card issuing mechanism code and a legal line number and legal line name corresponding to the card issuing mechanism code;
the payee line name and line number acquisition module 203 is configured to obtain a payee line name and line number according to a payee account by using a mapping relationship between the card bin information and the payment channel line name and line number, and return the payee line name and line number to the transfer client;
the transfer information uploading module 204 is configured to form transfer information including a line name and a line number of the payee at the transfer client and upload the transfer information to the payment system;
the payment clearing channel matching module 205 is configured to match the payment clearing channel by using an intelligent routing algorithm according to the transfer information by using the payment system; the payment channel comprises a pedestrian size system, a pedestrian super internet banking system, a city banking clearing center clearing system and an agricultural information banking center clearing system, and the corresponding line name and line number table comprises a large and small line name and line number table, a super internet line name and line number table, a city banking clearing line name and line number table and an agricultural information banking center line name and line number table.
The device may be implemented by the intelligent transfer method provided in the first embodiment, and the specific implementation method may be described in the first embodiment, which is not described herein.
The invention also provides a memory, which stores a plurality of instructions for implementing the intelligent transfer method according to the first embodiment.
The invention also provides an electronic device comprising a processor and a memory connected to the processor, wherein the memory stores a plurality of instructions that can be loaded and executed by the processor to enable the processor to perform the intelligent transfer method according to the first embodiment.
While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. It is therefore intended that the following claims be interpreted as including the preferred embodiments and all such alterations and modifications as fall within the scope of the invention. It will be apparent to those skilled in the art that various modifications and variations can be made to the present invention without departing from the spirit or scope of the invention. Thus, it is intended that the present invention also include such modifications and alterations insofar as they come within the scope of the appended claims or the equivalents thereof.
Claims (10)
1. An intelligent transfer method, comprising:
synchronizing the updated line name and line number information of the payment channel to a payment system and storing the line name and line number information in a corresponding line name and line number table; synchronizing the updated card bin information to the payment system;
establishing a mapping relation between the card bin and the line name and line number of the payment channel according to the card bin information and a card issuing mechanism line number management table, wherein the card issuing mechanism line number management table comprises card issuing mechanism codes and corresponding legal line numbers and legal line names;
the payment system obtains the line name line number of the payee according to the payee account by using the mapping relation between the card bin information and the line name line number of the payment channel, and returns the line name line number of the payee to the transfer client;
the transfer client forms transfer information comprising the line name and line number of the payee and sends the transfer information to the payment system;
the payment system utilizes an intelligent routing algorithm to match a payment clearing channel according to the transfer information;
the payment channel comprises a pedestrian size system, a pedestrian super internet banking system, a city banking clearing center clearing system and an agricultural information banking center clearing system, and the corresponding line name and line number table comprises a large and small line name and line number table, a super internet line name and line number table, a city banking clearing line name and line number table and an agricultural information banking center line name and line number table.
2. The intelligent transfer method according to claim 1, wherein the establishing a mapping relationship between the card bin and the line name and line number of the payment channel according to the card bin information and the line number management table of the issuing authority comprises: in the card issuing mechanism row number management table, searching corresponding legal row numbers and row names according to the card issuing mechanism codes of the card bin information; if the search is successful, the card information is maintained in a card information management table together with the legal row number and the row name, if the search is failed, the card information is maintained in the card information management table, and meanwhile, the legal row number and the legal row name corresponding to the card information are temporarily kept to be empty; the card information management table structure includes: card bin number, primary account number length, card type, card issuing authority name, card issuing authority code, legal person line number, legal person line name, and activation status.
3. The intelligent transfer method of claim 2, further comprising: if the search fails, fuzzy matching is carried out in the super network line name and line number table and the large and small line name and line number table through the card issuing organization name, and the fuzzy matching algorithm is as follows: firstly, in a super network line name and line number table, carrying out fuzzy matching on a 'participation mechanism name' and a 'card issuing mechanism name', and if the matching is successful, putting a card issuing mechanism code, a 'participation mechanism line number' obtained through matching and the participation mechanism name into a card issuing mechanism number to-be-confirmed table; if the matching fails, continuing the matching in a large and small line name and line number table, namely in the large and small line name and line number table, carrying out fuzzy matching on the 'issuing card mechanism name' and the 'participating mechanism name', taking a record that the 'participating mechanism line number' is equal to the 'issuing card mechanism law line number' from a matching result, and if the matching is continued in the large and small line name and line number table, putting the issuing card mechanism code, the 'participating mechanism line number' obtained through the matching and the 'participating mechanism name' into a issuing card mechanism line number to-be-confirmed table; the card issuing mechanism row number to-be-confirmed list comprises: the card issuing mechanism code, the card issuing mechanism legal person number, the card issuing mechanism legal person name and the confirmation state.
4. The intelligent transfer method of claim 3, further comprising: manually confirming the data in the card issuing mechanism row number to-be-confirmed list, and if the data is correct, updating the card issuing mechanism legal row number and the card issuing mechanism legal row name into a card issuing mechanism row number management list and a card bin information management list; if the data is wrong, after the data is manually corrected, updating the legal personnel line number of the card issuing mechanism and the legal personnel line name of the card issuing mechanism into a management table of the legal personnel line number of the card issuing mechanism and a management table of the information of the card bin.
5. The intelligent transfer method of claim 1, wherein the payment system obtaining the payee's line name and line number from the payee account number using a mapping relationship of the card bin information and the payment channel line name and line number, and returning the payee's line name and line number to the transfer client comprises:
the account number of the payee is sent to a payment system by the account transfer client, and the payment system matches the card bin information corresponding to the account number;
and obtaining the payee line name line number corresponding to the payee account by using the mapping relation between the card bin information and the payment channel line name line number, and returning the payee line name line number to the transfer client.
6. The intelligent transfer method of claim 1, wherein the transfer client forms transfer information including a payee line name line number and uploads to a payment system comprises: the transfer client side judges whether the payment system returns the information of the line name and the line number of the payee, if so, the line name of the payee is displayed on the page without input of a client; if not, displaying an account opening line and an account opening net point selection page, and inputting the account opening line and the account opening net point by a client; according to the account opening line and the account opening net point selected by the client, fuzzy matching is carried out in a large and small line name line number table, the matched result is presented to the client, and the final account opening line of the payee is determined by the client; the transfer client side sends corresponding transfer information to the payment system, wherein the transfer information comprises: payer account number, payer name, payee account number, payee name, payee Fang Hanghao, payee name and transfer amount.
7. The intelligent transfer method of claim 1, wherein the payment system matching a payment clearing path using an intelligent routing algorithm according to transfer information comprises:
setting priority orders for the payment channels respectively;
the payment system screens out a legal person list corresponding to the payee account according to the line name and line number list supported by each payment channel;
screening a channel list supporting transfer money according to the initial money and the maximum money of each payment channel from a legal person line list;
screening out the payment channels with highest priority according to the priority sequence of each payment channel in the channel list; and according to the legal person running number, inquiring a corresponding clearing running number from a corresponding line name and line number list, so that complete transfer information is sent to a corresponding payment channel, and transfer is completed.
8. An intelligent transfer device, comprising:
the data synchronization module is used for synchronizing the updated line name and line number information of the payment channel to the payment system and storing the line name and line number information in a corresponding line name and line number table; synchronizing the updated card bin information to the payment system;
the system comprises a mapping relation establishing module, a payment channel line name and line number establishing module and a payment channel line name and line number management module, wherein the mapping relation establishing module is used for establishing a mapping relation between a card bin and a payment channel line name and line number according to card bin information and a card issuing mechanism line number management table, the card issuing mechanism line number management table comprises a card issuing mechanism code and a legal line number and legal line name corresponding to the card issuing mechanism line number management table, and the card bin information comprises the card issuing mechanism code;
the payment system is used for obtaining the line name and line number of the payee according to the payee account by using the mapping relation between the card bin information and the line name and line number of the payment channel, and returning the line name and line number of the payee to the transfer client;
the transfer information uploading module is used for forming transfer information comprising a line name and a line number of a payee at the transfer client and uploading the transfer information to the payment system;
the payment clearing channel matching module is used for matching the payment clearing channel by the payment system according to the transfer information by utilizing an intelligent routing algorithm; the payment channel comprises a pedestrian size system, a pedestrian super internet banking system, a city banking clearing center clearing system and an agricultural information banking center clearing system, and the corresponding line name and line number table comprises a large and small line name and line number table, a super internet line name and line number table, a city banking clearing line name and line number table and an agricultural information banking center line name and line number table.
9. A memory, characterized in that a plurality of instructions for implementing the intelligent transfer method according to any one of claims 1 to 7 are stored.
10. An electronic device comprising a processor and a memory coupled to the processor, the memory storing a plurality of instructions loadable and executable by the processor to enable the processor to perform the intelligent transfer method of any one of claims 1-7.
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