CN117437045A

CN117437045A - Cross-border money transfer method, device, equipment and medium

Info

Publication number: CN117437045A
Application number: CN202310913028.3A
Authority: CN
Inventors: 杨庆; 张朕; 贾璐瑗; 毛汉哲
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2023-07-24
Filing date: 2023-07-24
Publication date: 2024-01-23

Abstract

The disclosure provides a cross-border money transfer method, device, equipment and medium, which can be applied to the technical fields of computer data processing and finance. The cross-border money transfer method comprises the following steps: acquiring cross-border money transfer request information of a sender, wherein the request information at least comprises money transfer currency information and payee information; according to the money transfer currency information and the payee information, at least one money transfer path capable of executing cross-border money transfer is obtained, and money transfer commission and money transfer duration of each money transfer path are obtained; obtaining one or more money transfer paths to be selected from the at least one money transfer path; acquiring congestion information of the one or more money transfer paths to be selected; determining one or more preselected money transfer paths from the one or more to-be-selected money transfer paths according to the congestion information; obtaining a target money transfer path selected by a money transfer party from the one or more preselected money transfer paths; and executing cross-border remittance according to the target remittance path.

Description

Cross-border money transfer method, device, equipment and medium

Technical Field

The present disclosure relates to the field of computer data processing, and more particularly, to a method, apparatus, device, and medium for cross-border money transfer.

Background

The cross-border money transfer refers to a business in which a user transfers money to a collection account number of an off-shore bank that opens an account within a prescribed money transfer limit.

In cross-border money transfer, as there is not necessarily a direct clearing relationship between banks, transfer processing is required by one or more banks, a transfer fee is charged through transfer in the transfer process, and transfer is different in different currencies of money transfer. In actual trans-border money transfer, the bank will normally have its own corresponding transfer, so the money transfer path will choose different transfer or different number of transfer, and the transfer cost will be different.

At present, in the cross-border remittance business, remittance information is filled manually by business personnel, so that the familiarity of the business personnel to the remittance business is greatly relied on, and the manual remittance result selection cannot meet different remittance business requirements of customers, so that the customer experience is reduced.

Disclosure of Invention

In view of the foregoing, embodiments of the present disclosure provide a method, apparatus, device, and medium for cross-border money transfer to improve customer experience, which are used to at least partially solve the foregoing technical problems.

According to a first aspect of an embodiment of the present disclosure, there is provided a method of cross-border money transfer, comprising: acquiring cross-border money transfer request information of a sender, wherein the request information at least comprises money transfer currency information and receiver information; according to money transfer currency information and payee information, acquiring at least one money transfer path capable of executing cross-border money transfer, and obtaining money transfer commission and money transfer duration of each money transfer path; obtaining one or more candidate money transfer paths from the at least one money transfer path, the one or more candidate money transfer paths being one or more of: one or more money transfer paths with the lowest money transfer fee, one or more money transfer paths with the shortest money transfer duration, and one or more historical money transfer paths of a money transfer party; acquiring congestion information of one or more money transfer paths to be selected; determining one or more preselected money transfer paths from the one or more to-be-selected money transfer paths according to the congestion information, and pushing the one or more preselected money transfer paths to a sender; obtaining a target money transfer path selected by a sender from one or more preselected money transfer paths; and performing cross-border remittance according to the target remittance path.

According to an embodiment of the present disclosure, obtaining congestion information for one or more candidate money transfer paths includes: acquiring transfer of one or more money transfer paths to be selected; calculating transfer amount to be processed, and obtaining an amount value corresponding to each money transfer path to be selected; calculating the transfer number of transfer accounts to be processed, and obtaining a flow value corresponding to each transfer route to be selected; and obtaining a congestion value corresponding to the money transfer path to be selected according to the amount value and the flow value.

According to an embodiment of the present disclosure, where obtaining one or more candidate money transfer paths from at least one money transfer path without historical cross-border money transfer data for the transferor includes: the method comprises the steps of obtaining trend information of a remittance party, wherein the trend information comprises lowest remittance commission or shortest remittance duration; and according to the tendency information, acquiring one or more alternative remittance paths from the at least one remittance path through the transfer model.

According to an embodiment of the present disclosure, where obtaining one or more candidate money transfer paths from at least one money transfer path in the event that the transferor has historical cross-border money transfer data includes: acquiring historical cross-border remittance data of a remittance party; according to the historical cross-border remittance data, tendency information of remittance parties is obtained; and according to the tendency information, acquiring one or more alternative remittance paths from the at least one remittance path through the transfer model.

According to an embodiment of the present disclosure, obtaining at least one money transfer path capable of performing cross-border money transfer according to money transfer currency information and payee information, and obtaining money transfer duration and money transfer fee of each money transfer path includes: acquiring sink data according to the first period at fixed time, wherein the sink data comprises historical sink data and alliance clearing relation data; determining a plurality of cleanable exchange groups taking money transfer currency and money receiving bank international wire transfer codes as references according to exchange data, wherein one cleanable exchange group comprises at least one money transfer path; at least one clearable collection set is determined based on the money transfer currency information and the payee information.

According to an embodiment of the present disclosure, wherein determining at least one cleanable transfer set based on the money transfer currency information and the payee information further comprises: under the condition that the cleanable sink group is determined to be zero, re-acquiring the sink data to obtain the latest sink data; updating the plurality of cleanable sink groups according to the latest sink data; determining at least one cleanable collection group from the updated cleanable collection groups according to the money transfer currency information and the payee information; or generating an error report prompt according to the request information.

According to an embodiment of the present disclosure, wherein the method further comprises; obtaining a matching threshold value; counting the success rate of each remittance path in the unit period to obtain a matching value; and under the condition that the matching value is smaller than the matching threshold value, acquiring the remittance data corresponding to the remittance path at regular time according to a second period, and updating the remittance path, wherein the second period is smaller than the first period.

According to an embodiment of the present disclosure, a plurality of cleanable collection groups based on money transfer currency and international wire transfer codes of a collection bank are determined according to the collection data, wherein after one cleanable collection group includes at least one money transfer path, the method further includes: and completing candidate information corresponding to the remittance route, wherein the candidate information comprises transfer bank information, collection bank commission, full account charge, circulation times and current remittance road clearing status.

According to an embodiment of the present disclosure, a training method of an allocation model includes: acquiring basic data and cross-border remittance data of a plurality of users; constructing a user portrait according to the basic data and the cross-border remittance data; extracting a matching index in the user portrait, wherein the matching index is used for representing representative information of a money transfer path; training the neural network model according to the cross-border remittance data to obtain an initial training model; based on the matching index, verifying the initial training model through the basic tandem data set to obtain an allocation model.

In accordance with an embodiment of the present disclosure, wherein obtaining a target money transfer path selected by a money transfer party from one or more preselected money transfer paths comprises: generating information to be confirmed according to the request information and the target remittance path; transmitting the information to be confirmed to a remittance party for determination, and generating an execution request; in response to the execution request, a cross-border money transfer is executed.

According to an embodiment of the present disclosure, the sending the information to be confirmed to the sender for determination, generating the execution request includes: generating an execution request under the condition that the target remittance path is confirmed to be correct; or under the condition that the target remittance route is confirmed to be wrong, generating a plurality of trend information prompt items, wherein the trend information prompt items comprise a option with lowest remittance commission and a option with shortest remittance duration; determining a trend information prompt of the sender; according to a trend information prompt item, one or more preselected money transfer paths are obtained from at least one money transfer path, and the one or more preselected money transfer paths are pushed to a sender; obtaining a target money transfer path selected by a sender from one or more preselected money transfer paths; regenerating information to be confirmed according to the target remittance path; and sending the regenerated information to be confirmed to a remitter for determination, and regenerating an execution request.

A second aspect of an embodiment of the present disclosure provides an apparatus for cross-border money transfer, comprising: the system comprises a first acquisition module, a second acquisition module and a third acquisition module, wherein the first acquisition module is used for acquiring cross-border money transfer request information of a sender, and the request information at least comprises money transfer currency information and receiver information; the second acquisition module is used for acquiring at least one money transfer path capable of executing cross-border money transfer according to money transfer currency information and payee information, and obtaining money transfer commission and money transfer duration of each money transfer path; the first analysis module is used for acquiring one or more alternative remittance paths from the at least one remittance path, wherein the one or more alternative remittance paths are one or more of the following: one or more money transfer paths with the lowest money transfer fee, one or more money transfer paths with the shortest money transfer duration, and one or more historical money transfer paths of a money transfer party; a third obtaining module, configured to obtain congestion information of one or more to-be-selected money transfer paths; the computing module is used for determining one or more preselected remittance paths from one or more to-be-chosen remittance paths according to the congestion information and pushing the one or more preselected remittance paths to a remittance party; and a second analysis module for obtaining a target money transfer path selected by the transferor from the one or more preselected money transfer paths; and the execution module is used for executing cross-border remittance according to the target remittance path.

A third aspect of the disclosed embodiments provides an electronic device, comprising: one or more processors; and a memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the method of cross-border money transfer described above.

A fourth aspect of an embodiment of the present disclosure also provides a computer-readable storage medium having stored thereon executable instructions that, when executed by a processor, cause the processor to perform the above-described method of cross-border money transfer.

A fifth aspect of the disclosed embodiments also provides a computer program product comprising a computer program which, when executed by a processor, implements the above-described method of cross-border money transfer.

Drawings

The foregoing and other objects, features and advantages of the disclosure will be more apparent from the following description of embodiments of the disclosure with reference to the accompanying drawings, in which:

FIG. 1 schematically illustrates an application scenario diagram of a method, apparatus, device, and medium for cross-border money transfer according to an embodiment of the present disclosure;

FIG. 2 schematically illustrates a flow diagram of a method of cross-border money transfer according to an embodiment of the present disclosure;

FIG. 3 schematically illustrates a flow chart of a method of obtaining congestion information for a money transfer path to be selected in accordance with an embodiment of the present disclosure;

FIG. 4 schematically illustrates a flow diagram of a method of obtaining at least one money transfer path for performing a cross-border money transfer according to an embodiment of the disclosure;

FIG. 5 schematically illustrates a schematic diagram of a cleanable sink group containing information, according to an embodiment of the present disclosure;

FIG. 6 schematically illustrates a decision flow diagram of a method of determining the number of cleanable sink groups, in accordance with an embodiment of the present disclosure;

FIG. 7 schematically illustrates a decision flow diagram for acquiring one or more alternative money transfer paths from at least one money transfer path according to an embodiment of the present disclosure;

FIG. 8 schematically illustrates a flow chart of an adjustment model training method according to an embodiment of the disclosure;

FIG. 9 schematically illustrates a flow chart of a method of cross-border money transfer according to another embodiment of the present disclosure;

FIG. 10 schematically illustrates a decision flow diagram for sending information to be confirmed to the sender for determination to generate an execution request in accordance with an embodiment of the present disclosure;

FIG. 11 schematically illustrates a flow diagram of a cross-border money transfer method according to yet another embodiment of the present disclosure;

FIG. 12 schematically illustrates a block diagram of an apparatus for cross-border money transfer according to an embodiment of the present disclosure; and

fig. 13 schematically illustrates a block diagram of an electronic device adapted to implement a method of cross-border money transfer in accordance with an embodiment of the present disclosure.

Detailed Description

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is only exemplary and is not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the present disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. In addition, in the following description, descriptions of well-known structures and techniques are omitted so as not to unnecessarily obscure the concepts of the present disclosure.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The terms "comprises," "comprising," and/or the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.

All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. It should be noted that the terms used herein should be construed to have meanings consistent with the context of the present specification and should not be construed in an idealized or overly formal manner.

In the technical scheme of the disclosure, the related processes of collecting, storing, using, processing, transmitting, providing, disclosing, applying and the like of the personal information of the user all conform to the regulations of related laws and regulations, necessary security measures are adopted, and the public order harmony is not violated.

In the technical scheme of the disclosure, the authorization or consent of the user is obtained before the personal information of the user is obtained or acquired.

Where expressions like at least one of "A, B and C, etc. are used, the expressions should generally be interpreted in accordance with the meaning as commonly understood by those skilled in the art (e.g.," a system having at least one of A, B and C "shall include, but not be limited to, a system having a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.).

Embodiments of the present disclosure provide a method of cross-border money transfer, comprising: acquiring cross-border money transfer request information of a sender, wherein the request information at least comprises money transfer currency information and receiver information; according to money transfer currency information and payee information, acquiring at least one money transfer path capable of executing cross-border money transfer, and obtaining money transfer commission and money transfer duration of each money transfer path; obtaining one or more candidate money transfer paths from the at least one money transfer path, the one or more candidate money transfer paths being one or more of: one or more money transfer paths with the lowest money transfer fee, one or more money transfer paths with the shortest money transfer duration, and one or more historical money transfer paths of a money transfer party; acquiring congestion information of one or more money transfer paths to be selected; determining one or more preselected money transfer paths from the one or more to-be-selected money transfer paths according to the congestion information, and pushing the one or more preselected money transfer paths to a sender; obtaining a target money transfer path selected by a sender from one or more preselected money transfer paths; and performing cross-border remittance according to the target remittance path.

Fig. 1 schematically illustrates an application scenario diagram of a method, apparatus, device, and medium for cross-border money transfer according to an embodiment of the present disclosure.

As shown in fig. 1, an application scenario 100 according to this embodiment may include terminal devices 101, 102, 103, a network 104, and a server 105. The network 104 is used as a medium to provide communication links between the terminal devices 101, 102, 103 and the server 105. The network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.

The user may interact with the server 105 via the network 104 using the terminal devices 101, 102, 103 to receive or send messages or the like. Various communication client applications, such as shopping class applications, web browser applications, search class applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only) may be installed on the terminal devices 101, 102, 103.

The terminal devices 101, 102, 103 may be a variety of electronic devices having a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop and desktop computers, and the like.

The server 105 may be a server providing various services, such as a background management server (by way of example only) providing support for websites browsed by users using the terminal devices 101, 102, 103. The background management server may analyze and process the received data such as the user request, and feed back the processing result (e.g., the web page, information, or data obtained or generated according to the user request) to the terminal device.

It should be noted that the method of cross-border money transfer provided by the embodiments of the present disclosure may be generally performed by the server 105. Accordingly, the devices for cross-border money transfer provided by embodiments of the present disclosure may be generally disposed in server 105. The method of cross-border money transfer provided by embodiments of the present disclosure may also be performed by a server or cluster of servers other than server 105 and capable of communicating with terminal devices 101, 102, 103 and/or server 105. Accordingly, the apparatus for cross-border money transfer provided by the embodiments of the present disclosure may also be provided in a server or server cluster that is different from the server 105 and is capable of communicating with the terminal devices 101, 102, 103 and/or the server 105.

It should be understood that the number of terminal devices, networks and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

The method of cross-border money transfer of the disclosed embodiments will be described in detail below with reference to the scenario described in fig. 1, by way of fig. 2-11.

Fig. 2 schematically illustrates a flow chart of a method of cross-border money transfer according to an embodiment of the disclosure.

As shown in fig. 2, the cross-border money transfer method of the embodiment includes operations S210 to S270.

In operation S210, cross-border money transfer request information of the sender is acquired, wherein the request information includes at least money transfer currency information and payee information.

In some embodiments, the payee information includes payee bank international wire code, payee account information, and whether the check-in amount is a money transfer amount (i.e., wire fee). Transfer processing is required to complete the cross-border transfer, and there is a cost in this process. The cost of wire transfer is relatively complex, and generally includes handling fees, telecommunication fees, money transfer fees, and transfer fees. Common commission charging modes are divided into: OUR, SHA, BEN. OUR means that the sender bears all money transfer charges (remittance line remittance charges, intermediate line charges, collection line deposit charges); SHA means that the sender bears "remittance of the trip" fee; the payee bears the "intermediate line fee" and the "payee line entry fee"; BEN refers to the collection of money by the payee (remittance line remittance, intermediate line charge, collection line deposit charge).

In operation S220, at least one money transfer path, which can perform cross-border money transfer, is acquired according to money transfer currency information and payee information, and money transfer duration of each money transfer path are obtained.

In some embodiments, the banking system first identifies whether the recipient is personal or public, whether the information is compliant, prompts the sender to modify if the information is incorrect, and selects a money transfer path if the information is correct based on the money transfer currency information and the recipient information. The remittance path may have a plurality of remittance paths according to the bank difference between the remittance party and the payee party and the clearing relationship between the banks, i.e., the remittance paths between the remittance party bank and the payee party bank are listed.

For example, the transferor wants to transfer from bank a to bank B of the transferee, where there is no clearing account between banks a and B, but there is a clearing account between banks a and C, bank B and D, and bank C and D. In this case, when the money transfer is carried out between A and B, the money transfer is carried out through C and D, or the money transfer is carried out through a plurality of C and D to reach the B bank, and the money transfer path can be A-C-D-B; or a clearing account is arranged between the A bank and the E bank, and a clearing account is arranged between the E bank and the B bank, and the remittance path can be A-E-B. It can be seen that multiple money transfer paths may occur when a cross-border money transfer between two banks is performed, depending on the clearing relationship between the different banks. When acquiring money transfer paths of bank A and bank B, the fee and money transfer duration of each money transfer path need to be acquired. The fee is calculated according to the clearing relation and exchange rate between banks, and the money transfer duration is calculated according to the transfer times of transfer.

In operation S230, one or more candidate money transfer paths are acquired from the at least one money transfer path, the one or more candidate money transfer paths being one or more of: one or more money transfer paths with the lowest money transfer handling fee, one or more money transfer paths with the shortest money transfer duration, and one or more historical money transfer paths of the sender.

In some embodiments, the bank screens one or more alternate money transfer paths from all of the money transfer paths listed above according to the sender's preferences. The historical remittance paths in the remittance paths to be selected are remittance paths operated by the remittance party according to the previous operation of the remittance party if the remittance party has the previous cross-border remittance among the same banks, and the remittance paths are not limited to the remittance paths with the lowest remittance fee or the shortest remittance duration, and also have the possibility of higher remittance fee or the longest remittance duration.

In operation S240, congestion information of one or more alternative money transfer paths is acquired.

In operation S250, one or more preselected money transfer paths are determined from the one or more candidate money transfer paths according to the congestion information, and the one or more preselected money transfer paths are pushed to the sender.

In some embodiments, the to-be-selected money transfer path is screened again, the more congested to-be-selected money transfer path is screened out, the more unobstructed preselected money transfer path is obtained, the user can predict the actual account arrival time for the money transfer time of each transfer prompt in money transfer, the situation that the actual account arrival time is larger than the prompted money transfer time difference is difficult to occur, and the experience sense of the client is improved.

Meanwhile, if the money transfer path with shorter money transfer time is more congested through calculation, the situation that the money transfer time delay of the prompt arrives at account can occur when the money transfer path is more congested, so that the user can notice the delay.

In operation S260, a target money transfer path selected by the transferor from one or more preselected money transfer paths is obtained.

In some embodiments, if the sender selects the lowest money transfer path, multiple money transfer paths may occur between bank A and bank B that are both the same and the lowest money transfer path, thus requiring the sender to select one of the money transfer paths that are the same as the target money transfer path.

In operation S270, a cross-border money transfer is performed according to the target money transfer path.

It will be appreciated that, based on the money transfer type and the collection bank in the sender request information, the plurality of money transfer paths corresponding to the request information are screened first, then the money transfer paths desired by the customer (less handling fee or time or preference of selecting a money transfer path for a previous money transfer) are screened, and finally the customer further selects his own tendency based on the money transfer paths screened for the second time. On one hand, the method and the device can recommend the sink according to the preference of the client, so that the experience of the client is improved; on the other hand, by the method, the intellectualization of the remittance recommendation is realized, and the operation efficiency of cross-border remittance is improved. According to the congestion information, whether delay occurs when the user reminds money through the route or not can be judged, early warning is carried out on the client in advance, and the experience of the client is improved.

as shown in fig. 3, the acquiring congestion information of one or more alternative money transfer paths of this embodiment includes operations S310 to S340.

In operation S310, a transit transition of one or more candidate money transfer paths is acquired.

In operation S320, the transfer amount to be processed is transferred to obtain an amount value corresponding to each of the candidate money transfer paths.

In operation S330, the transfer number to be processed is counted, and a flow value corresponding to each of the candidate transfer paths is obtained.

In operation S340, a congestion value corresponding to the money transfer path to be selected is obtained according to the amount value and the flow value.

In some embodiments, the maximum transfer amount and the maximum transfer number allowed for the transfer are obtained separately; acquiring transfer amount and transfer number of the transfer line in each transfer path to be selected under the current user transfer time; calculating the sum of transfer amounts in queuing in each transfer line of each money transfer path to be selected, and obtaining an actual transfer value; calculating the sum of the maximum transfer amounts transferred in each transfer path to be selected to obtain an expected transfer value; dividing the actual transfer value by the expected transfer value to obtain an amount value; calculating the sum of the transfer accounts in queuing in each transfer route to be selected to obtain an actual account; calculating the sum of the maximum transfer accounts of each transfer line in each money transfer path to be selected to obtain an expected account number; dividing the actual pen value by the expected pen value to obtain a flow value; acquiring a first weight value corresponding to the amount value and a second weight value corresponding to the flow value, and multiplying the amount value by the first weight value to obtain a first grading value; and multiplying the flow value by a second weight value to obtain a second grading value, and adding the first grading value and the second grading value to obtain a congestion value corresponding to the money transfer path to be selected.

For example, where the bank of the transferor is bank a and the bank of the transferee is bank B, the money transfer path to be selected may have a first one: a-C-D-B (minimal money transfer) or the second: a-E-B (money transfer duration is the shortest). The transfer in the first tandem is provided with a bank C and a bank D, and the transfer in the second tandem is provided with a bank E; describing by a first transfer path, wherein the maximum transfer amount allowed by each transfer is 500 ten thousand, and the maximum transfer number allowed is 30; when the current user remittance is obtained, the transfer amount of the cross-bank remittance in the C bank and the D bank is 100 ten thousand and 200 ten thousand respectively, and the transfer number of the cross-bank remittance in the C bank and the D bank is 5 and 10 respectively; the first sink amount calculation method is (100+200)/(500×2) =0.3; the flow value of the first sink is calculated by (5+10)/(10×2) =0.75; the congestion value is calculated by 0.3 x 0.5+0.75 x 0.5=0.525. Fig. 4 schematically illustrates a flow diagram of a method of obtaining at least one money transfer path for performing a cross-border money transfer according to an embodiment of the disclosure.

As shown in fig. 4, the obtaining at least one money transfer path capable of performing cross-border money transfer according to money transfer currency information and payee information and obtaining money transfer duration and money transfer fee of each money transfer path according to the embodiment includes operations S410 to S430.

In operation S410, sink data is acquired at a first periodic timing, wherein the sink data includes historical sink data and federation clearing relationship data.

In some embodiments, to reduce consumption of system resources, incremental information (i.e., money transfer paths resulting from daily bank cross-border money transfers) is obtained from the data in the form of batch files on a weekday basis. Meanwhile, an update period (such as 5 working days) is set, if no customer transaction exists in the time range, incremental information is acquired by updating the bank overseas clearing account library or synchronizing data of a relatively reliable organization (such as SWIFT organization) of a third party text network.

In operation S420, a plurality of cleanable sink groups based on the money transfer currency and the collection bank international wire transfer codes are determined based on the sink data, wherein one cleanable sink group includes at least one money transfer path.

In some embodiments, the obtained remittance data is de-duplicated by taking the remittance currency and the collection bank international wire harness code as the reference, and then the remittance sorting is performed, and the cleanable remittance paths (remittance paths) are screened out, so that the cleanable remittance group taking the remittance currency and the collection bank international wire harness code as the reference can be formed.

Meanwhile, information such as transfer bank information (bank identification code Bank Identification Code, BIC or clearing number), collection bank commission fee, full account fee (the account amount selected by the customer is the remittance amount), circulation times, current remittance path clearing status and the like related in the remittance path are extracted and put into a clearing collection path group.

And after the data of the remittance is acquired at fixed time, if new transaction exists, comparing the increment information with other elements in the original remittance path by taking the remittance currency and the money receiving bank wire transfer code as references, and updating the element which is different from the original remittance path in the latest successful transaction. If the new successful bank international wire transfer code + money transfer currency does not exist in the original money transfer path, the new successful bank international wire transfer code + money transfer currency is updated into the original money transfer path as incremental data. If the clearing status (transfer bank or currency supporting clearing) between banks is inconsistent with the original money transfer path, the original money transfer path is updated and the reason is remarked.

In operation S430, at least one cleanable transfer group is determined according to the money transfer currency information and the payee information.

In some embodiments, a set of cleanable transfer sets corresponding to the sender's needs may be determined based on the sender's provided money transfer currency information and the recipient information, with the plurality of money transfer paths in the cleanable transfer sets including all money transfer paths having a money transfer duration from low to high or high to low, all money transfer paths having a money transfer duration from short to long or long to short, and all historical money transfer paths having been performed with the money transfer currency information and the recipient information.

Fig. 5 schematically illustrates a schematic diagram of a cleanable sink group containing information according to an embodiment of the present disclosure.

As shown in fig. 5, according to the remittance data, a plurality of cleanable collection groups based on the money transfer currency and the international wire transfer codes of the collection bank are determined, wherein one cleanable collection group includes at least one money transfer path, and then operation S440 is further included.

In operation S440, candidate information corresponding to the money transfer path is completed, wherein the candidate information includes transfer bank information, collection bank commission, full charge, number of circulation, current transfer clearing status.

The transfer bank information is information of which transfer banks pass through in turn; the number of times of transfer is the number of times of transfer and transfer in the process of transferring; full charge means whether the entire amount is charged once or batchwise; the actual account amount is not the expected amount of the remitter because the remittance line and the collection line charge the commission fee and the telegram Fei Dengxiang charge, if the full account is selected, the bank can charge a certain fee, and the full account of the remittance is ensured; the current clearing status of the money transfer path is whether the money transfer path is currently available for clearing.

Fig. 6 schematically illustrates a decision flow diagram of a method of determining the number of cleanable sink groups according to an embodiment of the disclosure.

As shown in fig. 6, determining at least one cleanable transfer group according to money transfer currency information and payee information of the embodiment includes operations S610 to S640.

In operation S610, in the case where it is determined that the cleanable sink group is zero, the sink data is re-acquired, and the latest sink data is obtained.

In operation S620, the plurality of cleanable sink groups are updated according to the latest sink data.

In case that at least one clearable collection group is determined from the updated clearable collection groups according to the money transfer currency information and the payee information in operation S630.

In operation S640, an error reporting notice is generated according to the request information.

In some embodiments, in the event that the requested information of the transferor cannot match the corresponding cleanable sink group, the information in the money transfer paths in the cleanable sink group may be re-updated, with the time to re-update the cleanable sink group being different from the time to acquire the sink data at the first period. The cleanable collection group is updated again, the request information of the unmatched remittance path can be subjected to preliminary pretreatment, and the flexibility of the method is enhanced, so that the matching error rate can be reduced to a certain extent. After generating the error report prompt, the cross-border remittance payment management system registers the transaction state, and provides a quick positioning reason basis if the overseas bank returns the remittance.

Fig. 7 schematically illustrates a decision flow diagram for retrieving one or more alternative money transfer paths from at least one money transfer path according to an embodiment of the present disclosure.

As shown in fig. 7, the obtaining one or more candidate money transfer paths from at least one money transfer path according to the embodiment includes operations S710 to S760.

In operation S710, the sender has history of cross-border money transfer data.

In operation S720, in the case where the sender has no history of cross-border money transfer data, the trend information of the sender is acquired, wherein the trend information includes the lowest money transfer fee or the shortest money transfer duration.

In operation S730, one or more candidate money transfer paths are acquired from the at least one money transfer path through the transfer model according to the tendency information.

In some embodiments, the sender's preference for money transfer routing for cross-border transfers (minimal money transfer commission or minimal money transfer duration, etc.) cannot be inferred when the sender is not performing a cross-border transfer. Therefore, the trend information can be generated in the system firstly, and the options such as lowest money transfer commission or shortest money transfer duration are included, so that the money transfer party can carry out selection confirmation, and according to the options of the trend information selected by the money transfer party, the money transfer path corresponding to the preference of the money transfer party is determined to be pushed to the money transfer party.

In operation S740, in the case where there is history cross-border money transfer data for the sender, history cross-border money transfer data for the sender is acquired.

In operation S750, trend information of the sender is obtained from the historical cross-border money transfer data.

In operation S760, one or more candidate money transfer paths are acquired from the at least one money transfer path through the transfer model according to the tendency information.

In some embodiments, the trend information of the sender may be calculated from historical cross-border money transfer data of the sender when the sender is conducting a cross-border money transfer operation. For example, the trend information corresponding to the highest rate may be calculated as trend information of the sender from historical cross-border money transfer data, where the sender has the lowest money transfer fee, the shortest money transfer period, the highest money transfer fee, or the longest money transfer period. Meanwhile, the trend information which is frequently selected when the sender reminds across the borders in the last year can be used as the trend information corresponding to the request.

Fig. 8 schematically illustrates a flow chart of an adjustment model training method according to an embodiment of the present disclosure.

As shown in fig. 8, the training method of the tuning model of this embodiment includes operations S810 to S850.

In operation S810, base data and cross-border money transfer data for a plurality of users are acquired.

In embodiments of the present disclosure, the user's consent or authorization may be obtained prior to obtaining the user's information. For example, before operation S810, a request to acquire user information may be issued to the user. In case that the user agrees or authorizes that the user information can be acquired, operation S810 is performed.

In some embodiments, the user's underlying data includes: age, gender, occupation, etc. of the user; the cross-border money transfer data includes: the amount of money transferred, money transfer type, country/region of collection, money transfer use, transaction time, etc.

In operation S820, a user representation is constructed from the base data and the cross-border money transfer data.

In operation S830, a matching index in the user representation is extracted, wherein the matching index is used to characterize representative information of the money transfer path.

In some embodiments, the match metrics include primarily money transfer currency information and payee information.

In operation S840, the neural network model is trained according to the cross-border money transfer data, resulting in an initial training model.

In operation S850, the initial training model is verified through the base sink data set based on the matching index, and an allocation model is obtained.

In some embodiments, the cross-border money transfer data is divided into a training data set and a verification data set, and training is performed through the training data set while performing operation S840; performing verification by the training data set while performing operation S850; the deployment model is deployed into an actual production environment and integrated with an existing banking system. Meanwhile, a monitoring system is built, the performance of the allocation model is checked regularly, and the accuracy and the reliability of the allocation model in working are ensured.

Fig. 9 schematically illustrates a flow chart of a method of cross-border money transfer according to another embodiment of the present disclosure.

As shown in fig. 9, the target money transfer path selected by the acquiring transferor from one or more preselected money transfer paths of this embodiment includes operations S910 through S930.

In operation S910, information to be confirmed is generated according to the request information and the target money transfer path

In operation S920, the information to be confirmed is transmitted to the sender to make a determination, and an execution request is generated.

In operation S930, a cross-border money transfer is performed in response to the execution request.

In some embodiments, the request information of the sender and the information in the target remittance path are spliced into a short message by extracting keywords (the keywords comprise a collection bank wire transfer code, a remittance currency, circulation times and cost), auxiliary information is provided by a short message bank, secondary confirmation is completed with the sender, and a confirmation result of the sender is fed back to the transaction processing system for processing. And the short message banking application is applied to an operator through message queue processing, and the operator sends the short message content to the sender through the mobile phone number of the sender initiating the money transfer. After the remittance party replies the information, the short message bank analyzes the short message content after receiving the short message content transmitted by the operator through the message queue, judges whether the reply content is 'yes', and uploads the modified information to the cross-border business clearing processing system, and after the cross-border remittance payment management system analyzes the uploaded information, the information is automatically modified and then the electric wire transfer message is sent to the outside of the country. If not, the original information is uploaded to the cross-border money transfer tube payment management system for reprocessing.

Fig. 10 schematically illustrates a decision flow diagram for sending information to be confirmed to a sender for determination to generate an execution request in accordance with an embodiment of the present disclosure.

As shown in fig. 10, the transmission of the information to be confirmed to the sender for determination of the embodiment, the generation of the execution request includes operations S1010 to S1080.

In operation S1010, it is confirmed whether the target money transfer path is correct.

In operation S1020, in case that it is confirmed that the target money transfer path is correct, an execution request is generated.

In some embodiments, after the sender confirms that the information is correct according to the short message prompt, the cross-border money transfer operation is performed according to the confirmed money transfer path.

In operation S1030, in case that the target money transfer path is confirmed to be wrong, a plurality of trend information items including a money transfer operation fee minimum option and a money transfer duration minimum option are generated.

In operation S1040, a trend information alert for the sender is determined.

In operation S1050, one or more preselected money transfer paths are obtained from the at least one money transfer path according to a trend information prompt, and the one or more preselected money transfer paths are pushed to the sender.

In operation S1060, a target money transfer path selected by the transferor from one or more preselected money transfer paths is obtained.

In operation S1070, the information to be confirmed is regenerated according to the target money transfer path.

In operation S1080, the regenerated information to be confirmed is transmitted to the sender for determination, and the execution request is regenerated.

In some embodiments, if the sender finds that the selected money transfer path is wrong, for example, the selected money transfer time is originally the shortest, but the pushing result is that money transfer handling fee is the smallest, the system regenerates a plurality of trend information prompt items, the sender reselects, matches the target money transfer path according to the selected trend information prompt items, and generates information to be confirmed and the sender to confirm again for subsequent operation.

According to the embodiment of the disclosure, if the clearing state changes (such as supporting the receipt amount to serve the money transfer amount) in the transfer process of the money transfer initiated by the sender, the short message bank sends the short message content to the mobile phone number of the sender through the message queue. The short message generally comprises: the sender remittance information and the time of initiating the remittance, the bank information, the required procedure fee when the sender remittance, and the information confirmed after the inquiry confirm with the sender whether the sender needs to modify to select the service. The sender confirms according to the requirements.

If the money transfer fee initiated by the sender is higher, the short message bank sends the short message content to the mobile phone number of the sender through the message queue. The short message generally comprises: the remittance information of the remittance party, the time of initiating the remittance, the information of the bank for collecting the money, the required handling fee when the remittance party remittance, and the information confirmed after the query confirm whether the handling fee is required to be modified to be lower with the remittance party under the condition that the flow times are consistent. The sender confirms according to the requirements.

Fig. 11 schematically illustrates a flow chart of a cross-border money transfer method according to yet another embodiment of the present disclosure.

As shown in fig. 11, the method of cross-border remittance of this embodiment further includes operations S1110 to S1130.

In operation S1110, a matching threshold is acquired.

In operation S1120, the success rate of each money transfer path in the unit period is counted to obtain a matching value.

In operation S1130, in the case where the matching value is smaller than the matching threshold, the remittance path is updated by periodically acquiring remittance data corresponding to the remittance path according to a second period, which is smaller than the first period.

In some embodiments, in order to improve the resource allocation and processing efficiency of the system, when updating the remittance paths in the first period, the success rate of matching each remittance path in the unit period (one month) is counted, and if the success rate of matching the remittance paths is lower than the set matching threshold, the remittance data corresponding to the remittance paths needs to be quickened to ensure the rationality of resource allocation.

Based on the above-mentioned method for cross-border money transfer, the present disclosure also provides a device for cross-border money transfer. The device will be described in detail below in connection with fig. 12.

Fig. 12 schematically illustrates a block diagram of an apparatus for cross-border money transfer according to an embodiment of the present disclosure.

As shown in fig. 12, the apparatus 800 for cross-border money transfer of this embodiment includes a first obtaining module 810, a second obtaining module 820, a first analyzing module 830, a third obtaining module 840, a computing module 850, a second analyzing module 860, and an executing module 870.

The first obtaining module 810 is configured to obtain cross-border money transfer request information of a sender, where the request information at least includes money transfer currency information and payee information. In an embodiment, the first obtaining module 810 may be configured to perform the operation S210 described above, which is not described herein.

The second obtaining module 820 is configured to obtain at least one money transfer path capable of performing cross-border money transfer according to money transfer currency information and payee information, and obtain money transfer duration and money transfer fee of each money transfer path. In an embodiment, the second obtaining module 820 may be used to perform the operation S220 described above, which is not described herein.

The first analysis module 830 is configured to obtain one or more alternative money transfer paths from the at least one money transfer path, where the one or more alternative money transfer paths are one or more of the following: one or more money transfer paths with the lowest money transfer handling fee, one or more money transfer paths with the shortest money transfer duration, and one or more historical money transfer paths of the sender. In an embodiment, the first analysis module 830 may be configured to perform the operation S230 described above, which is not described herein.

A third obtaining module 840 is configured to obtain congestion information of one or more alternative money transfer paths. In an embodiment, the third obtaining module 840 may be configured to perform the operation S240 described above, which is not described herein.

The calculating module 850 is configured to determine one or more preselected money transfer paths from the one or more candidate money transfer paths according to the congestion information, and push the one or more preselected money transfer paths to the sender. In an embodiment, the computing module 850 may be configured to perform the operation S250 described above, which is not described herein.

The second analysis module 860 is configured to obtain a target money transfer path selected by the transferor from one or more candidate money transfer paths. In an embodiment, the second analysis module 860 may be used to perform the operation S260 described above, which is not described herein.

Execution module 870 is configured to execute the cross-border money transfer according to the target money transfer path. In an embodiment, the execution module 870 may be configured to execute the operation S270 described above, which is not described herein.

According to embodiments of the present disclosure, any of the first acquisition module 810, the second acquisition module 820, the first analysis module 830, the third acquisition module 840, the calculation module 850, the second analysis module 848600, and the execution module 850870 may be combined in one module to be implemented, or any of the modules may be split into a plurality of modules. Alternatively, at least some of the functionality of one or more of the modules may be combined with at least some of the functionality of other modules and implemented in one module. According to embodiments of the present disclosure, at least one of the first acquisition module 810, the second acquisition module 820, the first analysis module 830, the third acquisition module 840, the calculation module 850, the second analysis module 848600, and the execution module 850870 may be implemented at least in part as hardware circuitry, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented in hardware or firmware in any other reasonable way of integrating or packaging circuitry, or in any one of or a suitable combination of three of software, hardware, and firmware. Alternatively, at least one of the first acquisition module 810, the second acquisition module 820, the first analysis module 830, the third acquisition module 840, the calculation module 850, the second analysis module 848600, and the execution module 850870 may be at least partially implemented as a computer program module, which when executed, may perform the corresponding functions.

Fig. 13 schematically illustrates a block diagram of an electronic device adapted to implement a cross-border money transfer method in accordance with an embodiment of the present disclosure.

As shown in fig. 13, an electronic device 900 according to an embodiment of the present disclosure includes a processor 901 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 902 or a program loaded from a storage portion 908 into a Random Access Memory (RAM) 903. The processor 901 may include, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or an associated chipset and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), or the like. Processor 901 may also include on-board memory for caching purposes. Processor 901 may include a single processing unit or multiple processing units for performing the different actions of the method flows according to embodiments of the present disclosure.

In the RAM 903, various programs and data necessary for the operation of the electronic device 900 are stored. The processor 901, the ROM 902, and the RAM 903 are connected to each other by a bus 904. The processor 901 performs various operations of the method flow according to the embodiments of the present disclosure by executing programs in the ROM 902 and/or the RAM 903. Note that the program may be stored in one or more memories other than the ROM 902 and the RAM 903. The processor 901 may also perform various operations of the method flow according to embodiments of the present disclosure by executing programs stored in one or more memories.

According to an embodiment of the disclosure, the electronic device 900 may also include an input/output (I/O) interface 905, the input/output (I/O) interface 905 also being connected to the bus 904. The electronic device 900 may also include one or more of the following components connected to the I/O interface 905: an input section 906 including a keyboard, a mouse, and the like; an output portion 907 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and a speaker; a storage portion 908 including a hard disk or the like; and a communication section 909 including a network interface card such as a LAN card, a modem, or the like. The communication section 909 performs communication processing via a network such as the internet. The drive 910 is also connected to the I/O interface 905 as needed. A removable medium 911 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is installed as needed on the drive 910 so that a computer program read out therefrom is installed into the storage section 908 as needed.

The present disclosure also provides a computer-readable storage medium that may be embodied in the apparatus/device/system described in the above embodiments; or may exist alone without being assembled into the apparatus/device/system. The computer-readable storage medium carries one or more programs which, when executed, implement methods in accordance with embodiments of the present disclosure.

According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example, but is not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this disclosure, a computer-readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. For example, according to embodiments of the present disclosure, the computer-readable storage medium may include ROM 902 and/or RAM 903 and/or one or more memories other than ROM 902 and RAM 903 described above.

Embodiments of the present disclosure also include a computer program product comprising a computer program containing program code for performing the methods shown in the flowcharts. The program code, when executed in a computer system, causes the computer system to implement the item recommendation method provided by embodiments of the present disclosure.

The above-described functions defined in the system/apparatus of the embodiments of the present disclosure are performed when the computer program is executed by the processor 901. The systems, apparatus, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the disclosure.

In one embodiment, the computer program may be based on a tangible storage medium such as an optical storage device, a magnetic storage device, or the like. In another embodiment, the computer program may also be transmitted, distributed, and downloaded and installed in the form of a signal on a network medium, via communication portion 909, and/or installed from removable medium 911. The computer program may include program code that may be transmitted using any appropriate network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

In such an embodiment, the computer program may be downloaded and installed from the network via the communication portion 909 and/or installed from the removable medium 911. The above-described functions defined in the system of the embodiments of the present disclosure are performed when the computer program is executed by the processor 901. The systems, devices, apparatus, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the disclosure.

According to embodiments of the present disclosure, program code for performing computer programs provided by embodiments of the present disclosure may be written in any combination of one or more programming languages, and in particular, such computer programs may be implemented in high-level procedural and/or object-oriented programming languages, and/or assembly/machine languages. Programming languages include, but are not limited to, such as Java, c++, python, "C" or similar programming languages. The program code may execute entirely on the user's computing device, partly on the user's device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of remote computing devices, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., connected via the Internet using an Internet service provider).

The flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

Those skilled in the art will appreciate that the features recited in the various embodiments of the disclosure and/or in the claims may be provided in a variety of combinations and/or combinations, even if such combinations or combinations are not explicitly recited in the disclosure. In particular, the features recited in the various embodiments of the present disclosure and/or the claims may be variously combined and/or combined without departing from the spirit and teachings of the present disclosure. All such combinations and/or combinations fall within the scope of the present disclosure.

The embodiments of the present disclosure are described above. However, these examples are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments are described above separately, this does not mean that the measures in the embodiments cannot be used advantageously in combination. The scope of the disclosure is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be made by those skilled in the art without departing from the scope of the disclosure, and such alternatives and modifications are intended to fall within the scope of the disclosure.

Claims

1. A method of cross-border money transfer, comprising:

acquiring cross-border money transfer request information of a sender, wherein the request information at least comprises money transfer currency information and payee information;

According to the money transfer currency information and the payee information, at least one money transfer path capable of executing cross-border money transfer is obtained, and money transfer commission and money transfer duration of each money transfer path are obtained;

obtaining one or more alternative remittance paths from the at least one remittance path, wherein the one or more alternative remittance paths are one or more of the following: one or more money transfer paths with the lowest money transfer fee, one or more money transfer paths with the shortest money transfer duration, and one or more historical money transfer paths of a money transfer party;

acquiring congestion information of the one or more money transfer paths to be selected;

determining one or more preselected money transfer paths from the one or more to-be-selected money transfer paths according to the congestion information, and pushing the one or more preselected money transfer paths to a sender;

obtaining a target money transfer path selected by a money transfer party from the one or more preselected money transfer paths;

and executing cross-border remittance according to the target remittance path.

2. The method of claim 1, wherein obtaining congestion information for the one or more alternative money transfer paths comprises:

acquiring transfer of the one or more money transfer paths to be selected;

Calculating transfer money to be processed in the transfer manner to obtain an amount value corresponding to each money transfer path to be selected;

calculating the transfer number to be processed in transfer to obtain a flow value corresponding to each money transfer path to be selected;

and obtaining a congestion value corresponding to the money transfer path to be selected according to the amount value and the flow value.

3. The method of claim 1, wherein the obtaining one or more alternate money transfer paths from the at least one money transfer path without historical cross-border money transfer data for the transferor comprises:

the trend information of the remittance party is obtained, wherein the trend information comprises the lowest remittance commission or the shortest remittance duration;

and according to the tendency information, acquiring one or more money transfer paths to be selected from the at least one money transfer path through an allocation model.

4. The method of claim 1, wherein, in the event that the transferor has historical trans-border money transfer data, the obtaining one or more alternate money transfer paths from the at least one money transfer path comprises:

acquiring historical cross-border money transfer data of the money transfer party;

obtaining trend information of the remitter according to the historical cross-border remittance data;

5. The method of claim 4, wherein the obtaining at least one money transfer path capable of performing cross-border money transfer based on the money transfer currency information and the payee information, and obtaining a money transfer fee and a money transfer duration of each money transfer path comprises:

acquiring sink data at fixed time according to a first period, wherein the sink data comprises historical sink data and alliance clearing relation data;

determining a plurality of cleanable sink groups taking the money transfer currency and the international wire transfer code of a collection bank as references according to the sink data, wherein one cleanable sink group comprises at least one money transfer path;

and determining at least one cleanable collection group according to the remittance currency information and the payee information.

6. The method of claim 5, wherein the determining at least one of the clearable collection sets based on the money transfer currency information and payee information further comprises:

under the condition that the cleanable sink group is determined to be zero, re-acquiring sink data to obtain latest sink data;

Updating a plurality of the cleanable sink groups according to the latest sink data;

determining at least one of the clearable collection sets from the updated clearable sets based on the money transfer currency information and payee information; or (b)

And generating an error reporting prompt according to the request information.

7. The method of claim 5, wherein the method further comprises;

obtaining a matching threshold value;

counting the success rate of each remittance path in the unit period to obtain a matching value;

and under the condition that the matching value is smaller than the matching threshold value, acquiring the remittance data corresponding to the remittance path at regular time according to a second period, and updating the remittance path, wherein the second period is smaller than the first period.

8. The method of claim 5, wherein the determining a plurality of cleanable collection sets based on the money transfer currency and the collection bank international wire transfer code based on the collection data, wherein the one cleanable collection set includes at least one money transfer path, and further comprising:

and supplementing candidate information corresponding to the remittance path, wherein the candidate information comprises transfer bank information, collection bank commission, full charge, circulation times and current remittance clearing status.

9. The method of claim 1, wherein the obtaining a target money transfer path selected by the transferor from the one or more preselected money transfer paths comprises:

generating information to be confirmed according to the request information and the target remittance path;

the information to be confirmed is sent to the remittance party for determination, and an execution request is generated;

and responding to the execution request, and executing cross-border remittance.

10. An apparatus for cross-border money transfer, comprising:

the system comprises a first acquisition module, a second acquisition module and a third acquisition module, wherein the first acquisition module is used for acquiring cross-border money transfer request information of a sender, and the request information at least comprises money transfer currency information and receiver information;

the second obtaining module is used for obtaining at least one money transfer path capable of executing cross-border money transfer according to the money transfer currency information and the money receiving party information, and obtaining money transfer commission and money transfer duration of each money transfer path;

a first analysis module configured to obtain one or more candidate money transfer paths from the at least one money transfer path, where the one or more candidate money transfer paths are one or more of: one or more money transfer paths with the lowest money transfer fee, one or more money transfer paths with the shortest money transfer duration, and one or more historical money transfer paths of a money transfer party;

A third obtaining module, configured to obtain congestion information of the one or more to-be-selected money transfer paths;

the computing module is used for determining one or more preselected remittance paths from the one or more to-be-chosen remittance paths according to the congestion information and pushing the one or more preselected remittance paths to a remittance party; and

a second analysis module for obtaining a target money transfer path selected by the transferor from the one or more preselected money transfer paths; and

and the execution module is used for executing cross-border remittance according to the target remittance path.

11. An electronic device, comprising:

one or more processors;

storage means for storing one or more programs,

wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the method of any of claims 1-9.

12. A computer readable storage medium having stored thereon executable instructions which, when executed by a processor, cause the processor to perform the method according to any of claims 1 to 9.