CN115619390A

CN115619390A - Method and device for improving fund account arrival time efficiency and electronic equipment

Info

Publication number: CN115619390A
Application number: CN202211364730.0A
Authority: CN
Inventors: 何凡
Original assignee: Alipay Labs Singapore Pte Ltd
Current assignee: Advanced Nova Technology Singapore Holdings Ltd
Priority date: 2022-11-02
Filing date: 2022-11-02
Publication date: 2023-01-17

Abstract

The embodiment of the specification provides a method, a device and electronic equipment for improving fund account aging, wherein in the method, after a payment request of a payer is received, whether a payment bank and a collection bank are in a bank information table is judged by inquiring a bank information table pre-stored in a block chain, if the payment bank is in the bank information table, the collection bank is not in the bank information table, but the area where the collection bank is located is in the bank information table, the fund of the payer is transferred from the payment bank to a first transit bank through the block chain, and then the fund of the payer is transferred from the first transit bank to the collection bank, so that a payment path of the payer can be matched with banks existing on the block chain through disassembly, the payment path is split into a traditional clearing network with the block chain and added to the same area in real time, and the payment aging of the payer can be realized, and the user experience is improved in real time.

Description

Method and device for improving fund account arrival time efficiency and electronic equipment

[ technical field ] A method for producing a semiconductor device

The embodiment of the specification relates to the technical field of internet, in particular to a method and a device for improving fund account arrival time efficiency and electronic equipment.

[ background of the invention ]

In the prior art, the cross-region real-time account-arriving capability of multiple currencies can be realized based on a block chain, but the existing cross-region real-time account-arriving scheme can only realize real-time account-arriving when funds are allocated among partial accounts, and cannot be combined with the traditional clearing network to provide a user with quick-acting and low-cost fund-arriving service.

It is therefore desirable to provide a solution that can combine blockchains with traditional clearing networks to improve the timeliness of funding.

[ summary of the invention ]

The embodiment of the specification provides a fund arrival time efficiency improving method and device and electronic equipment, so that the block size is combined with a traditional clearing network, the fund arrival time efficiency is improved, and the user experience is improved.

In a first aspect, an embodiment of the present specification provides a method for promoting a fund account-reaching time period, including: receiving a payment request of a payment user; the payment request comprises a payment bank of the payment user, the area of the payment bank, a collection bank of a collection user and the area of the collection bank; judging whether the payment bank and the collection bank are in the bank information table or not by inquiring a bank information table pre-stored in a block chain; if the payment bank is in the bank information table, the collection bank is not in the bank information table, but the area where the collection bank is located is in the bank information table, transferring the funds of the payment user from the payment bank to a first transfer bank through the block chain; the first transit bank is a bank existing in the bank information table, and the region of the first transit bank is the same as the region of the collection bank; transferring funds of the payer from the first transit bank to the collection bank.

In one possible implementation manner, the determining whether the payment bank and the collection bank are in the bank information table by querying a bank information table pre-stored in a block chain further includes: and if the payment bank and the collection bank are both in the bank information table, transferring the funds of the payment user from the payment bank to the collection bank through the block chain.

In one possible implementation manner, the determining whether the payment bank and the collection bank are in the bank information table by querying a bank information table pre-stored in a block chain further includes: if the payment bank is not in the bank information table, but the region where the payment bank is located is in the bank information table and the collection bank is in the bank information table, transferring the funds of the payment user from the payment bank to a second transfer bank; the second transit bank is a bank existing in the bank information table, and the region of the second transit bank is the same as the region of the payment bank; transferring the funds of the paying user from the second transfer bank to the collection bank through the blockchain.

In one possible implementation manner, the determining whether the payment bank and the collection bank are in the bank information table by querying a bank information table pre-stored in a block chain further includes: if the payment bank and the collection bank are not in the bank information table, but the areas of the payment bank and the collection bank are in the bank information table, transferring the funds of the payment user from the payment bank to a third transfer bank; the third transit bank is a bank existing in the bank information table, and the region of the third transit bank is the same as the region of the payment bank; transferring the funds of the payment user from the third transit bank to a fourth transit bank through a blockchain; the fourth transit bank is a bank existing in the bank information table, and the area of the fourth transit bank is the same as the area of the collection bank; transferring funds of the payer from the fourth transit bank to the collection bank.

In one possible implementation manner, the determining whether the payment bank and the collection bank are in front of the bank information table by querying a bank information table pre-stored in a blockchain further includes: counting bank information existing on the block chain, wherein the bank information comprises a bank name and a bank region; and storing the information of the bank obtained by statistics in a bank information table.

In a second aspect, an embodiment of the present specification provides a fund raising apparatus, including: the receiving module is used for receiving a money making request of a payment user; the payment request comprises a payment bank of the payment user, the area of the payment bank, a collection bank of a collection user and the area of the collection bank; the judging module is used for judging whether the payment bank and the collection bank are in the bank information table or not by inquiring a bank information table pre-stored in a block chain; the transfer module is used for transferring the funds of the payment user from the payment bank to a first transfer bank through the block chain when the payment bank is in the bank information table, the collection bank is not in the bank information table, and the area where the collection bank is located is in the bank information table; the first transit bank is a bank existing in the bank information table, and the region of the first transit bank is the same as the region of the collection bank; and transferring the funds of the paying user from the first transfer bank to the collection bank.

In one possible implementation manner, the transfer module is further configured to transfer the funds of the payment user from the payment bank to the collection bank through the blockchain if the payment bank and the collection bank are both in the bank information table after the determination module determines whether the payment bank and the collection bank are in the bank information table.

In one possible implementation manner, the transfer module is further configured to, after the determining module determines whether the payment bank and the collection bank are in the bank information table, transfer the funds of the payment user from the payment bank to a second transit bank if the payment bank is not in the bank information table, but the area where the payment bank is located is in the bank information table, and the collection bank is in the bank information table; the second transit bank is a bank existing in the bank information table, and the area of the second transit bank is the same as the area of the payment bank; and transferring the funds of the paying user from the second transfer bank to the collection bank through the blockchain.

In one possible implementation manner, the transfer module is further configured to transfer the fund of the payer from the payment bank to a third transit bank if the payment bank and the collection bank are not in the bank information table but the areas where the payment bank and the collection bank are located are in the bank information table after the determination module determines whether the payment bank and the collection bank are in the bank information table; the third transit bank is a bank existing in the bank information table, and the area of the third transit bank is the same as the area of the payment bank; transferring the funds of the payment user from the third transit bank to a fourth transit bank through a block chain; the fourth transit bank is a bank existing in the bank information table, and the region of the fourth transit bank is the same as the region of the collection bank; transferring the funds of the payer from the fourth transit bank to the collection bank.

In one possible implementation manner, the apparatus further includes: the statistical module is used for counting the information of the bank existing on the block chain before the judging module judges whether the payment bank and the collection bank are in the bank information table or not, wherein the information of the bank comprises the name of the bank and the region where the bank is located; and the storage module is used for storing the information of the bank obtained by the statistics of the statistics module in a bank information table.

In a third aspect, an embodiment of the present specification provides an electronic device, including: at least one processor; and at least one memory communicatively coupled to the processor, wherein: the memory stores program instructions executable by the processor, the processor calling the program instructions to be able to perform the method provided by the first aspect.

In a fourth aspect, embodiments of the present specification provide a non-transitory computer-readable storage medium storing computer instructions for causing a computer to perform the method provided in the first aspect.

It should be understood that the second to fourth aspects of the embodiments of the present description are consistent with the technical solution of the first aspect of the embodiments of the present description, and similar beneficial effects are obtained in all aspects and corresponding possible implementation manners, and are not described again.

[ description of the drawings ]

In order to more clearly illustrate the technical solutions of the embodiments of the present disclosure, the drawings needed to be used in the embodiments will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present disclosure, and it is obvious for those skilled in the art to obtain other drawings based on the drawings without creative efforts.

Fig. 1 is a schematic diagram illustrating an international block chain allocation principle provided in the related art;

FIG. 2 is a flow diagram of a method for raising a funding age provided in one embodiment of the present description;

FIG. 3 is a flow chart of a method for providing an increase in the fund to account time according to another embodiment of the present application;

FIG. 4 is a flow chart of a method for raising a funding lifetime provided in accordance with yet another embodiment of the present application;

FIG. 5 is a flow chart of a method for raising a funding lifetime provided in accordance with yet another embodiment of the present application;

FIG. 6 is a flow chart of a method for raising a funding lifetime provided in accordance with yet another embodiment of the present application;

FIG. 7 is a schematic diagram of a lift for funding a time period according to one embodiment of the present disclosure;

FIG. 8 is a schematic diagram of a lifting device for funding a term provided in accordance with a further embodiment of the present disclosure;

fig. 9 is a schematic structural diagram of an electronic device according to an embodiment of the present specification.

[ detailed description ] A

In order to better understand the technical solution of the present specification, the following detailed description is made with reference to the accompanying drawings.

It should be understood that the embodiments described are only a few embodiments of the present specification, and not all embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments in the present specification without any creative effort belong to the protection scope of the present specification.

The terminology used in the embodiments of the present specification is for the purpose of describing particular embodiments only and is not intended to be limiting of the specification. As used in the specification examples and the appended claims, the singular forms "a", "an", and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise.

Fig. 1 is a schematic diagram of an international block chain transfer principle provided by the related art, and as shown in fig. 1, a collection bank, a payment bank, and a fund transfer system are all in a block chain, so that a collection account and a payment account can be checked in real time in the block chain. However, the fund transfer between bank accounts on the block chain is limited at present, and in the prior art, only the fund transfer between some bank accounts can be realized in real time, and the fund transfer between all bank accounts cannot be realized in real time. This results in a block chain value that does not perform well, at the user's allocation of funds, such as: the merchant settles the account or the user draws the cash and the like, and can not enjoy the convenience of fund allocation and real-time account arrival.

Based on the above problems, an embodiment of the present specification provides a fund to account timeliness improving method, which may split a money making path of a payment user to match a bank existing on a block chain, and split the money making path into a traditional clearing network in the same area, where the traditional clearing network is added to the block chain in real time, so that the payment timeliness of the payment user may be realized in quasi real time, and user experience is improved.

Fig. 2 is a flowchart of a method for promoting fund credit aging according to an embodiment of the present disclosure, where the method for promoting fund credit aging according to the embodiment may be applied to a server, for example: a server that may provide funds transfer functionality.

As shown in fig. 2, the method for promoting the fund crediting time period may include:

at step 202, a request for a payment from a payment user is received. The payment request comprises a payment bank of the payment user, the area of the payment bank, a collection bank of the collection user and the area of the collection bank.

In this embodiment, the making request may be structured, where the making request may include a payment bank of the payment user, a region where the payment bank is located, a collection bank of the collection user, and a region where the collection bank is located.

For example, a structured debit request may be as shown in table 1.

TABLE 1

Step 204, judging whether the payment bank and the collection bank are in the bank information table by inquiring a bank information table pre-stored in the block chain.

In this embodiment, the banks existing on the block chain and the currency supported by each bank need to be counted in advance to obtain the bank information table, for example, the bank information table may be as shown in table 2.

TABLE 2

Bank	Region of land	Coin kind
			CITIHK	HK	USD
CITIUS	US	USD
			SCBSG	SG	USD
HSBCSG	SG	USD

And step 206, if the payment bank is in the bank information table, the collection bank is not in the bank information table, but the region of the collection bank is in the bank information table, transferring the funds of the payment user from the payment bank to the first transfer bank through the block chain.

The first transit bank acts as a bank in the bank information table, and the area of the first transit bank is the same as the area of the collection bank.

And step 208, transferring the funds of the payment user from the first transfer bank to the collection bank.

Specifically, referring to the money-making request shown in table 1, it can be seen that the HSBCSG of the paying bank is in the bank information table, the JMPUS of the receiving bank is not in the bank information table, but the US of the region where the receiving bank is located is in the bank information table, so that the fund can be transferred from the HSBCSG to the first transit bank CITIUS through the block chain, and the fund transferred through the block chain is in real time. And then transferring the fund of the payment user from the first transfer bank CITIUS to the JMPUS, wherein the fund transfer is a bank in the same area, so that the traditional clearing network can be used, and the quasi-real-time account arrival can be generally realized.

In the method for improving the fund-to-account timeliness, after a request for making a payment from a payer is received, whether the payer bank and the payee bank are in the bank information table or not is judged by inquiring a bank information table pre-stored in a block chain, if the payer bank and the payee bank are in the bank information table and the region of the payee bank is in the bank information table, the fund of the payer is transferred from the payer bank to a first transit bank through the block chain, and then the fund of the payer is transferred from the first transit bank to the payee bank, so that the fund making path of the payer can be matched with banks existing on the block chain by disassembling the fund making path of the payer, the real-time transfer of the fund making path is split into the block chain and is added to a traditional clearing network in the same region, and the purposes of accurately realizing the fund making timeliness of the payer in real time and improving user experience are achieved.

Fig. 3 is a flowchart of a method for promoting fund arrival time according to another embodiment of the present application, as shown in fig. 3, in the embodiment shown in fig. 2 of the present application, after step 204, the method may further include:

step 302, if the payment bank and the collection bank are both in the bank information table, the funds of the payment user are transferred from the payment bank to the collection bank through the block chain.

As mentioned above, if the payment bank and the collection bank are both in the bank information table, the fund can be directly transferred through the blockchain, so as to realize real-time account arrival of the fund.

Fig. 4 is a flowchart of a method for raising a fund-to-account aging according to still another embodiment of the present application, as shown in fig. 4, in the embodiment shown in fig. 2 of the present application, after step 204, the method may further include:

step 402, if the payment bank is not in the bank information table, but the region of the payment bank is in the bank information table, and the collection bank is in the bank information table, transferring the funds of the payment user from the payment bank to a second transit bank.

And the second transit bank acts as a bank in the bank information table, and the area of the second transit bank is the same as the area of the payment bank.

And step 404, transferring the funds of the payment user from the second transfer bank to the payment bank through the block chain.

In this embodiment, since the payment bank is not in the bank information table, but the area where the payment bank is located is in the bank information table, the fund of the payment user can be transferred from the payment bank to the second transit bank first, and the fund transfer is a bank in the same area, so that the traditional clearing network can be used, and the quasi-real-time account can be generally realized. And then transferring the funds of the payment user from the second transfer bank to the payment bank through the block chain, wherein the funds transferred through the block chain are in real time account. Therefore, the method and the device can realize that the traditional clearing network in the same area is added to the real-time allocation of the block chain for splitting the money-making path, realize accurate real-time payment timeliness of the payment user, and improve user experience.

Fig. 5 is a flowchart of a method for raising the fund-to-account validity period according to still another embodiment of the present application, as shown in fig. 5, in the embodiment shown in fig. 2 of the present application, after step 204, the method may further include:

step 502, if the payment bank and the collection bank are not in the bank information table, but the areas of the payment bank and the collection bank are in the bank information table, transferring the funds of the payment user from the payment bank to a third transit bank.

And the third transit bank acts as a bank in the bank information table, and the area of the third transit bank is the same as the area of the payment bank.

And step 504, transferring the funds of the payment user from the third transit bank to a fourth transit bank through a block chain.

And the fourth relay bank acts as a bank in the bank information table, and the area of the fourth relay bank is the same as the area of the collection bank.

Step 506, transferring the funds of the paying user from the fourth transfer bank to the collection bank.

In this embodiment, since the payment bank and the collection bank are not in the bank information table, but the areas of the payment bank and the collection bank are in the bank information table, the fund of the payment user can be transferred from the payment bank to the third transit bank, and the fund transfer is a bank in the same area, so that the traditional clearing network can be used, and the quasi-real-time account can be generally realized. And transferring the funds of the payment user from the third transit bank to the fourth transit bank through the block chain, wherein the funds transferred through the block chain are in real time account. Finally, the fund of the payer is transferred to the collection bank from the fourth transfer bank, the fund transfer is also the bank in the same area, the traditional clearing network can be moved, and the quasi-real-time account arrival can be generally realized, so that the real-time transfer of the money transfer path split into the block chain and the traditional clearing network in the same area can be realized, the money transfer timeliness of the payer is realized, and the user experience is improved.

Fig. 6 is a flowchart of a method for promoting fund transfer to account aging according to still another embodiment of the present application, as shown in fig. 6, in the embodiment shown in fig. 2 of the present application, before step 204, the method may further include:

step 602, counting bank information existing on the block chain, wherein the bank information includes a name of the bank and a region where the bank is located.

Further, the information of the bank may also include a currency supported by the bank, and certainly, the information of the bank may also include other information, which is not limited in this embodiment.

And step 604, storing the information of the bank obtained by statistics in a bank information table.

As described above, the bank information table may be as shown in table 2.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

Fig. 7 is a schematic structural diagram of a fund receival time period hoisting device provided in an embodiment of the present specification, and as shown in fig. 7, the fund receival time period hoisting device may include: a receiving module 71, a judging module 72 and a transferring module 73;

wherein, the receiving module 71 is configured to receive a payment request of a payment user; the payment request comprises a payment bank of a payment user, the area of the payment bank, a collection bank of a collection user and the area of the collection bank;

the judging module 72 is configured to judge whether the payment bank and the collection bank are in the bank information table by querying a bank information table pre-stored in the block chain;

the transfer module 73 is used for transferring the funds of the payment user from the payment bank to a first transit bank through a block chain when the payment bank is in the bank information table, the collection bank is not in the bank information table, and the area where the collection bank is located is in the bank information table; the first transit bank acts on the bank in the bank information table, and the area of the first transit bank is the same as the area of the collection bank; and transferring the funds of the paying user from the first transfer bank to the collection bank.

The fund accounting time raising device provided in the embodiment shown in fig. 7 may be used to implement the technical solution of the method embodiment shown in fig. 2 in this specification, and the implementation principle and technical effects of the technical solution may be further described with reference to the related description in the method embodiment.

Fig. 8 is a schematic structural diagram of a fund-to-account time efficiency raising apparatus according to still another embodiment of the present disclosure, and compared with the fund-to-account time efficiency raising apparatus shown in fig. 7, in the fund-to-account time efficiency raising apparatus shown in fig. 8, an allocation module 73 is further configured to allocate the fund of the payer from the payer bank to the payee bank through a block chain if both the payer bank and the payee bank are in the bank information table after the determination module 72 determines whether the payer bank and the payee bank are in the bank information table.

Further, the transferring module 73 is further configured to, after the determining module 72 determines whether the payment bank and the collection bank are in the bank information table, transfer the fund of the payment user from the payment bank to a second transit bank if the payment bank is not in the bank information table, but the area where the payment bank is located is in the bank information table, and the collection bank is in the bank information table; the second transit bank acts as a bank in the bank information table, and the area of the second transit bank is the same as the area of the payment bank; and transferring the funds of the paying user from the second transfer bank to the payment bank through the block chain.

The transfer module 73 is further configured to transfer the funds of the payer from the payer bank to a third transit bank if the payer bank and the payee bank are not in the bank information table but both the areas of the payer bank and the payee bank are in the bank information table after the determination module 72 determines whether the payer bank and the payee bank are in the bank information table; the third transit bank acts as a bank in the bank information table, and the area of the third transit bank is the same as the area of the payment bank; transferring the funds of the payment user from the third transit bank to a fourth transit bank through the blockchain; the fourth transit bank acts on the bank in the bank information table, and the area of the fourth transit bank is the same as the area of the collection bank; and transferring the funds of the paying user from the fourth transfer bank to the payment bank.

Further, the above apparatus may further include: a statistics module 74 and a preservation module 75;

the statistical module 74 is configured to, before the determining module 72 determines whether the payment bank and the collection bank are in the bank information table, perform statistics on information of the bank existing on the block chain, where the information of the bank includes a name of the bank and a region where the bank is located;

a saving module 75, configured to save the information of the bank obtained by statistics in the bank information table by the statistics module 74.

The fund accounting time raising device provided in the embodiment shown in fig. 8 may be used to implement the technical solutions of the method embodiments shown in fig. 2 to fig. 6 in this specification, and the implementation principle and the technical effects may further refer to the related descriptions in the method embodiments.

Fig. 9 is a schematic structural diagram of an electronic device provided in an embodiment of the present specification, where as shown in fig. 9, the electronic device may include at least one processor; and at least one memory communicatively coupled to the processor, wherein: the memory stores program instructions executable by the processor, and the processor calls the program instructions to execute the method for raising funds to account provided by the embodiments shown in fig. 2 to fig. 6 of the present specification.

The electronic device may be a server, for example: can provide the server of fund transfer function, this server can set up in the high in the clouds, and this embodiment does not do the restriction to above-mentioned electronic equipment's form.

FIG. 9 illustrates a block diagram of an exemplary electronic device suitable for use in implementing embodiments of the present specification. The electronic device shown in fig. 9 is merely an example, and should not bring any limitation to the functions and the use range of the embodiments of the present specification.

As shown in fig. 9, the electronic device is in the form of a general purpose computing device. Components of the electronic device may include, but are not limited to: one or more processors 410, a communication interface 420, a memory 430, and a communication bus 440 that connects the various components (including the memory 430, the communication interface 420, and the processors 410).

Communication bus 440 represents one or more of any of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, or a local bus using any of a variety of bus architectures. By way of example, the communication bus 440 may include, but is not limited to, an Industry Standard Architecture (ISA) bus, a Micro Channel Architecture (MCA) bus, an enhanced ISA (enhanced ISA) bus, a Video Electronics Standards Association (VESA) local bus, and a Peripheral Component Interconnect (PCI) bus.

Electronic devices typically include a variety of computer system readable media. Such media may be any available media that is accessible by the electronic device and includes both volatile and nonvolatile media, removable and non-removable media.

Memory 430 may include computer system readable media in the form of volatile memory, such as Random Access Memory (RAM) and/or cache memory. Memory 430 may include at least one program product having a set (e.g., at least one) of program modules that are configured to carry out the functions of the embodiments of this description and illustrated in fig. 2-6.

A program/utility having a set (at least one) of program modules, including but not limited to an operating system, one or more application programs, other program modules, and program data, may be stored in memory 430, each of which examples or some combination may include an implementation of a network environment. The program modules generally perform the functions and/or methods of the embodiments described in fig. 2-6 herein.

The processor 410 executes programs stored in the memory 430 to perform various functional applications and data processing, for example, to implement the method for raising the fund accounting time provided by the embodiments shown in fig. 2 to 6 of the present specification.

Embodiments of the present specification provide a non-transitory computer-readable storage medium, which stores computer instructions, where the computer instructions cause the computer to execute the method for raising funds to account provided in the embodiments shown in fig. 2 to fig. 6 of the present specification.

The non-transitory computer readable storage medium described above may take any combination of one or more computer readable media. The computer readable medium may be a computer readable signal medium or a computer readable storage medium. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the computer readable storage medium would include the following: an electrical connection having one or more wires, 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, an optical fiber, 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 document, 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.

A computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.

Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, radio Frequency (RF), etc., or any suitable combination of the foregoing.

Computer program code for carrying out operations for aspects of the present description may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, smalltalk, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet service provider).

The foregoing description of specific embodiments has been presented for purposes of illustration and description. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

In the description of the specification, reference to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the specification. In this specification, the schematic representations of the terms used above are not necessarily intended to refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, various embodiments or examples and features of different embodiments or examples described in this specification can be combined and combined by one skilled in the art without contradiction.

Furthermore, the terms "first", "second" and "first" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or to implicitly indicate the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one of the feature. In the description of the present specification, "a plurality" means at least two, e.g., two, three, etc., unless explicitly defined otherwise.

Any process or method descriptions in flow charts or otherwise described herein may be understood as representing modules, segments, or portions of code which include one or more executable instructions for implementing steps of a custom logic function or process, and alternate implementations are included within the scope of the preferred embodiment of the present description in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those reasonably skilled in the art of the embodiments of the present description.

The word "if" as used herein may be interpreted as "at 8230; \8230;" or "when 8230; \8230;" or "in response to a determination" or "in response to a detection", depending on the context. Similarly, the phrases "if determined" or "if detected (a stated condition or event)" may be interpreted as "when determined" or "in response to a determination" or "when detected (a stated condition or event)" or "in response to a detection (a stated condition or event)", depending on the context.

It should be noted that, the terminal referred in the embodiments of the present specification may include, but is not limited to, a Personal Computer (PC), a Personal Digital Assistant (PDA), a wireless handheld device, a tablet computer (tablet computer), a mobile phone, an MP3 player, an MP4 player, and the like.

In the several embodiments provided in this specification, it should be understood that the disclosed system, apparatus, and method may be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and there may be other divisions in actual implementation, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

In addition, functional units in the embodiments of the present description may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit may be implemented in the form of hardware, or in the form of hardware plus a software functional unit.

The integrated unit implemented in the form of a software functional unit may be stored in a computer readable storage medium. The software functional unit is stored in a storage medium and includes several instructions to enable a computer device (which may be a personal computer, a server, or a network device) or a processor (processor) to execute some steps of the methods described in the embodiments of the present disclosure. And the aforementioned storage medium includes: various media capable of storing program codes, such as a U disk, a removable hard disk, a Read Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk, or an optical disk.

The above description is only a preferred embodiment of the present disclosure, and should not be taken as limiting the present disclosure, and any modifications, equivalents, improvements, etc. made within the spirit and principle of the present disclosure should be included in the scope of the present disclosure.

Claims

1. A fund account-arriving time efficiency improving method comprises the following steps:

receiving a payment request of a payment user; the payment request comprises a payment bank of the payment user, the area of the payment bank, a collection bank of a collection user and the area of the collection bank;

judging whether the payment bank and the collection bank are in the bank information table or not by inquiring a bank information table pre-stored in a block chain;

if the payment bank is in the bank information table, the collection bank is not in the bank information table, but the area where the collection bank is located is in the bank information table, transferring the funds of the payment user from the payment bank to a first transfer bank through the block chain; the first transit bank is a bank existing in the bank information table, and the area of the first transit bank is the same as the area of the collection bank;

transferring funds of the payer from the first transit bank to the collection bank.

2. The method as claimed in claim 1, wherein the determining whether the payment bank and the collection bank are in the bank information table after the bank information table by querying a bank information table pre-stored in a blockchain further comprises:

and if the payment bank and the collection bank are both in the bank information table, transferring the funds of the payment user from the payment bank to the collection bank through the block chain.

3. The method as claimed in claim 1, wherein the determining whether the payment bank and the collection bank are in the bank information table after the determining by querying a bank information table pre-stored in a blockchain further comprises:

if the payment bank is not in the bank information table, but the region where the payment bank is located is in the bank information table and the collection bank is in the bank information table, transferring the funds of the payment user from the payment bank to a second transfer bank; the second transit bank is a bank existing in the bank information table, and the region of the second transit bank is the same as the region of the payment bank;

transferring funds of the payer from the second transit bank to the collection bank through the blockchain.

4. The method as claimed in claim 1, wherein the determining whether the payment bank and the collection bank are in the bank information table after the bank information table by querying a bank information table pre-stored in a blockchain further comprises:

if the payment bank and the collection bank are not in the bank information table, but the areas of the payment bank and the collection bank are in the bank information table, transferring the funds of the payment user from the payment bank to a third transfer bank; the third transit bank is a bank existing in the bank information table, and the area of the third transit bank is the same as the area of the payment bank;

transferring the funds of the payment user from the third transit bank to a fourth transit bank through a blockchain; the fourth transit bank is a bank existing in the bank information table, and the area of the fourth transit bank is the same as the area of the collection bank;

transferring funds of the payer from the fourth transit bank to the collection bank.

5. The method as claimed in any one of claims 1 to 4, wherein the determining whether the payment bank and the collection bank are in front of the bank information table by querying a bank information table pre-stored in a block chain further comprises:

counting bank information existing on the block chain, wherein the bank information comprises a name of a bank and an area where the bank is located;

and storing the information of the bank obtained by statistics in a bank information table.

6. A fund-to-account aging hoisting device, comprising:

the receiving module is used for receiving a money making request of a payment user; the payment request comprises a payment bank of the payment user, the area of the payment bank, a collection bank of a collection user and the area of the collection bank;

the judging module is used for judging whether the payment bank and the collection bank are in the bank information table or not by inquiring a bank information table pre-stored in a block chain;

the transfer module is used for transferring the funds of the payment user from the payment bank to a first transfer bank through the block chain when the payment bank is in the bank information table, the collection bank is not in the bank information table, and the area where the collection bank is located is in the bank information table; the first transit bank is a bank existing in the bank information table, and the region of the first transit bank is the same as the region of the collection bank; and transferring funds of the payer from the first transit bank to the collection bank.

7. The apparatus of claim 6, wherein,

and the transfer module is further used for transferring the funds of the payment user from the payment bank to the collection bank through the block chain if the payment bank and the collection bank are both in the bank information table after the judgment module judges whether the payment bank and the collection bank are in the bank information table.

8. The apparatus of claim 6, wherein,

the transfer module is further configured to transfer the funds of the payer from the payment bank to a second transit bank if the payment bank is not in the bank information table, but the area where the payment bank is located is in the bank information table and the collection bank is in the bank information table after the judgment module judges whether the payment bank and the collection bank are in the bank information table; the second transit bank is a bank existing in the bank information table, and the area of the second transit bank is the same as the area of the payment bank; and transferring the funds of the payment user from the second transfer bank to the collection bank through the blockchain.

9. The apparatus of claim 6, wherein,

the transfer module is further configured to transfer the funds of the payer from the payment bank to a third transit bank if the payment bank and the collection bank are not in the bank information table but the areas of the payment bank and the collection bank are in the bank information table after the judgment module judges whether the payment bank and the collection bank are in the bank information table; the third transit bank is a bank existing in the bank information table, and the area of the third transit bank is the same as the area of the payment bank; transferring the funds of the payment user from the third transit bank to a fourth transit bank through a block chain; the fourth transit bank is a bank existing in the bank information table, and the area of the fourth transit bank is the same as the area of the collection bank; transferring funds of the payer from the fourth transit bank to the collection bank.

10. The apparatus of any of claims 6-9, further comprising:

the statistical module is used for counting the information of the bank existing on the block chain before the judging module judges whether the payment bank and the collection bank are in the bank information table or not, wherein the information of the bank comprises the name of the bank and the area where the bank is located;

and the storage module is used for storing the information of the bank obtained by the statistics of the statistics module in a bank information table.

11. An electronic device, comprising:

at least one processor; and

at least one memory communicatively coupled to the processor, wherein:

the memory stores program instructions executable by the processor, the processor invoking the program instructions to perform the method of any of claims 1 to 5.

12. A non-transitory computer readable storage medium storing computer instructions that cause the computer to perform the method of any of claims 1 to 5.