Account transfer method, device and equipment based on payee account

• Main Authors: YANG DAIBING, OU HEPING
• Format: Patent
• Language: Chinese; English
• Published: 14.11.2023
• Subjects: CALCULATING; COMPUTING; COUNTING; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES; PHYSICS; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR

The invention provides a transfer method, device and equipment based on a payee account. The method relates to the technical field of big data processing, and comprises the following steps: obtaining remittance information input by a remitter user; analyzing the payee account to obtain a card issuing bank identification code and a region, and determining a target bank number corresponding to the payee account according to the card issuing bank identification code and the region; and determining a target bank according to the target bank number, and carrying out inter-bank transfer on the remittance amount to the target bank. According to the method, the card issuing bank identification code and the region are obtained by analyzing the payee account input by the remitter, the target bank number is determined according to the card issuing bank identification code and the region, and cross-bank transfer is carried out on the target bank determined by the target bank number, so that the remittance efficiency is i