CN113780678A - Foreign exchange service processing method and device - Google Patents
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Abstract
The embodiment of the application discloses a foreign exchange business processing method and device, which can be applied to the field of artificial intelligence or the field of finance, and in order to meet foreign exchange requirements of different users, historical exchange information of a first user with the current foreign exchange qualification is acquired, the historical exchange information is input into an exchange amount prediction model, and the amount of foreign exchange possible to be performed by the first user in the current period is acquired. When all the first users' predicted exchange amounts are obtained, the exchange amounts are accumulated to determine the required foreign exchange reserve in current period. Namely, the foreign exchange fund required to be prepared on the current day is obtained by predicting the money amount of the user according to the historical service of the user, the call reservation of the user is not needed, the service processing efficiency is improved, and the use experience of the user is improved.
Description
Technical Field
The application relates to the technical field of computers, in particular to a foreign exchange service processing method and device.
Background
The exchange of foreign currencies is an important business field of banks, and most of the existing exchange of foreign currencies of banks is reserved through telephone, so that foreign currencies are prepared according to reservation conditions. When making an appointment, bank staff need to check the exchange condition of a client, for example, whether the exchange upper limit is reached, and then determine foreign exchange deposit according to the check result, which results in low working efficiency.
Disclosure of Invention
In view of this, the embodiment of the present application provides a method and an apparatus for processing a foreign exchange service, so as to predict a foreign exchange deposit, further achieve reservation-free money purchasing, and improve work efficiency and exchange experience.
In order to achieve the above purpose, the technical solutions provided in the embodiments of the present application are as follows:
in a first aspect of an embodiment of the present application, a method for processing a foreign exchange service is provided, where the method includes:
acquiring historical exchange information of a first user, wherein the first user is a user who has the current foreign exchange qualification, and the historical exchange information comprises latest exchange time and latest exchange amount;
inputting the historical exchange information of the first user into an exchange amount prediction model to obtain the exchange amount output by the exchange amount prediction model, wherein the exchange amount prediction model is generated according to the data to be trained and the label corresponding to the data to be trained, and the label is the historical money purchase amount;
and determining the foreign exchange reserve required by the current term according to the exchange amount of all the first users.
In a specific implementation manner, the determining the foreign exchange deposit required by the current term according to the exchange amount of all the first users includes:
acquiring the balance of the account foreign exchange of the first user;
subtracting the balance of the account foreign exchange of the first user from the exchange amount of the first user to obtain a target exchange amount of the first user;
and determining the foreign exchange reserve required by the current term according to the target exchange amount of all the first users.
In a specific implementation manner, the determining the foreign exchange deposit required by the current term according to the exchange amount of all the first users includes:
acquiring the remaining exchange amount corresponding to the first user;
and when the remaining exchange amount corresponding to the first user is larger than or equal to the exchange amount of the first user, determining the foreign exchange reserve money required by the current term according to the exchange amounts of all the first users.
In a specific implementation manner, the training process of the exchange amount prediction model includes:
acquiring actual foreign exchange reserve money corresponding to the same period of the last year;
and updating the parameters of the exchange amount prediction model according to the difference value of the actual foreign exchange deposit corresponding to the same period of the last year and the foreign exchange deposit required by the current period, so that the difference value of the actual foreign exchange deposit corresponding to the same period of the last year and the foreign exchange deposit required by the current period meets the preset condition.
In a specific implementation, the method further includes:
and responding to the triggering of the foreign exchange service of the second user, and acquiring a navigation instruction so as to guide the second user to exchange the foreign exchange through the navigation instruction.
In a specific implementation manner, the obtaining of the navigation instruction includes:
and receiving a voice instruction sent by the second user through a voice acquisition device, wherein the voice instruction comprises the navigation instruction.
In a specific implementation, the method further includes:
acquiring a query of the second user for the operation step indicated by the navigation instruction;
and outputting prompt information corresponding to the inquiry.
In a second aspect of the embodiments of the present application, there is provided a foreign exchange service processing apparatus, including:
the device comprises a first obtaining unit, a second obtaining unit and a third obtaining unit, wherein the first obtaining unit is used for obtaining historical exchange information of a first user, the first user is a user who currently has foreign exchange qualification, and the historical exchange information comprises latest exchange time and latest exchange amount;
the second obtaining unit is used for inputting the historical exchange information of the first user into an exchange amount prediction model and obtaining the exchange amount output by the exchange amount prediction model, wherein the exchange amount prediction model is generated according to data to be trained and a label corresponding to the data to be trained, and the label is the historical money purchase amount;
and the determining unit is used for determining the foreign exchange deposit required by the current term according to the exchange amount of all the first users.
In a third aspect of embodiments of the present application, there is provided an electronic device, including: a processor, a memory;
the memory for storing computer readable instructions or a computer program;
the processor is configured to read the computer readable instructions or the computer program, so as to enable the device to implement the foreign exchange service processing method according to the first aspect.
In a fourth aspect of embodiments of the present application, there is provided a computer-readable storage medium including instructions or a computer program, which when run on a computer, cause the computer to execute the foreign exchange service processing method according to the first aspect.
Therefore, the embodiment of the application has the following beneficial effects:
in the embodiment of the application, in order to meet the foreign exchange requirements of different users, historical exchange information of a first user who currently has foreign exchange qualification is obtained, the historical exchange information is input into an exchange amount prediction model, and the amount of foreign exchange which the first user may exchange at the current time is obtained. When all the first users' predicted exchange amounts are obtained, the exchange amounts are accumulated to determine the required foreign exchange reserve in current period. Namely, the foreign exchange fund required to be prepared on the current day is obtained by predicting the money amount of the user according to the historical service of the user, the call reservation of the user is not needed, the service processing efficiency is improved, and the use experience of the user is improved.
Drawings
Fig. 1 is a flowchart of a method for processing a foreign exchange service according to an embodiment of the present application;
fig. 2 is a structural diagram of another fx business processing apparatus according to an embodiment of the present application.
Detailed Description
In order to make the aforementioned objects, features and advantages of the present application more comprehensible, embodiments accompanying the drawings are described in detail below.
The foreign exchange business processing method provided by the embodiment of the application is used for solving the problem that a traditional foreign exchange mode is time-consuming and labor-consuming, and specifically comprises the steps of determining foreign exchange reserve money within a certain time (for example, one day), obtaining historical exchange information corresponding to a user (a first user) with a foreign exchange qualification within the certain time, inputting the historical exchange information of the first user into an exchange amount prediction model, so as to obtain the possible foreign exchange amount of the first user, further determining the foreign exchange reserve money required to be prepared within the certain time according to the possible exchange amount of all the first users, and counting the required prepared foreign exchange reserve money without telephone reservation of the user, so that the business processing efficiency and the user experience are improved.
It should be noted that the foreign exchange service processing method and device provided by the invention can be used in the field of artificial intelligence or the field of finance. The above description is only an example, and does not limit the application field of the foreign exchange service processing method and apparatus provided by the present invention.
In order to facilitate understanding of the technical solutions provided by the embodiments of the present application, the following description is made with reference to the accompanying drawings.
Referring to fig. 1, which is a flowchart of a foreign exchange service processing method provided in an embodiment of the present application, as shown in fig. 1, the method may include:
s101: acquiring historical exchange information of the first user.
In this embodiment, to determine the amount of the prepared foreign exchange reserve required in a certain period of time (for example, one day), the historical exchange information of the first user is obtained, where the first user is a user who is currently qualified for foreign exchange. The historical exchange information may include the latest exchange time and latest exchange amount, money purchase purpose, account balance (non-foreign exchange balance), and other information of the first user.
It should be noted that, according to the relevant regulations, the annual fx purchase amount of each person is limited, for example, the annual fx limit of each person is 5 ten thousand dollars. When the amount of a person is used up, the purchase is usually not allowed to continue, and therefore the amount of foreign exchange reserve that needs to be prepared for a certain period of time (e.g. one day) is determined and is not considered for that part of the user. Based on this, the first user in this embodiment refers to a user who has a foreign exchange line.
S102: and inputting the historical exchange information of the first user into the exchange amount prediction model to obtain the exchange amount output by the exchange amount prediction model.
After the historical exchange information of each first user with the current foreign exchange qualification is acquired, inputting the historical exchange information of the first user into an exchange amount prediction model, and thus predicting the possible exchange amount of the first user at the current time to acquire the exchange amount corresponding to the first user. And inputting the historical exchange information of each first user into the exchange amount prediction model to obtain the possible exchange amount of each first user.
The exchange amount prediction model is generated according to data to be trained and label training corresponding to the data to be trained, wherein the data to be trained comprises exchange information corresponding to historical foreign exchange, such as the amount of money to be purchased, the usage of the money to be purchased, the time difference between two times of money to be purchased, and the like, and the label corresponding to the data to be trained is the actual historical amount of money to be purchased.
S103: and determining the foreign exchange deposit required by the current term according to the exchange amount of all the first users.
In this embodiment, after the exchange amount of each first user is predicted according to the exchange amount prediction model, the exchange amounts of all the first users are accumulated, so as to determine the foreign exchange deposit required in the current period. For example, the bank determines the prepared foreign exchange deposit required in one day according to the exchange amount of each first user so as to meet the exchange requirement of the user.
In a specific implementation manner, considering that the foreign exchange amount of the first user is limited, a foreign exchange service already exists in the first user, so that when determining the foreign exchange reserve required by the current date, the current remaining foreign exchange amount of the first user needs to be considered. Specifically, the remaining exchange amount corresponding to the first user is obtained, the remaining exchange amount is compared with the predicted exchange amount of the first user, and when the remaining exchange amount is larger than the exchange amount of the first user, the foreign exchange reserve money required in the current period is determined according to the exchange amount of the first user. And when the remaining exchange amount is less than or equal to the exchange amount of the first user, determining the foreign exchange reserve required by the current term according to the remaining exchange amount of the local user. For example, if the remaining exchange amount of the first user is 2 million dollars, and the predicted exchange amount of the first user is 1 million dollars, the exchange amount of the first user is determined according to the predicted exchange amount of the first user when the required foreign exchange reserve is determined. For another example, if the remaining exchange amount of the first user is 5 thousand dollars, and the predicted exchange amount of the first user is 7 thousand dollars, the exchange amount is determined according to the remaining exchange amount of the first user when the required foreign exchange reserve is determined.
In a specific implementation manner, the currently required foreign exchange reserve is determined according to the exchange amount of all the first users, and the current required foreign exchange reserve can also be determined in the following manner, specifically, the balance of the account of the first user is obtained; subtracting the balance of the foreign exchange of the account of the first user from the exchange amount of the first user to obtain a target exchange amount of the first user; and determining the foreign exchange reserve required by the current term according to the target exchange amount of all the first users. Namely, after the exchange amount of the first user is predicted, the amount of the foreign exchange remaining in the current account of the first user is determined, and the amount of the foreign exchange remaining is subtracted from the predicted exchange amount of the first user to be used as the amount of the first user to be exchanged. For example, if it is predicted that the first user may redeem an amount of 1 million dollars and 4 thousand dollars remain on the first user's account, the first user will likely redeem an amount of 6 thousand dollars in the forex.
Specifically, the account foreign exchange balance of a third user associated with the first user may also be obtained, and the target exchange amount of the first user is obtained by subtracting the account foreign exchange balance of the second user from the exchange amount of the first user; and determining the currently required foreign exchange reserve according to the target exchange amount of all the first users. And the account of the third user is the account to which the first user transfers. For example, the first user is user a, the third user is user B, user B learns abroad, and user a may transfer money to user B's account on a regular basis. When the conversion amount of the user A is predicted to be 5 thousand dollars, and 3 thousand dollars remain in the account of the user B at the moment, the user A can convert the possible conversion amount into 2 thousand dollars.
In a specific implementation manner, in order to deal with the influence of the first money purchasing user on the accuracy of the exchange amount prediction model, the exchange amount prediction model can be updated, specifically, the actual foreign exchange reserve money corresponding to the same period in the last year is obtained; and updating the parameters of the exchange amount prediction model according to the difference value of the actual foreign exchange deposit corresponding to the same period of the last year and the foreign exchange deposit required by the current period, so that the difference value of the actual foreign exchange deposit corresponding to the same period of the last year and the foreign exchange deposit required by the current period meets the preset condition. For example, if the required prepared foreign exchange reserve fund predicted on 8/20/2021 is X1 ten thousand dollars and the actually prepared foreign exchange reserve fund on 20/8/2020 is X2 ten thousand dollars, when the difference between X1 and X2 does not satisfy the preset condition, the parameters of the exchange amount prediction model are updated according to the difference until the difference satisfies the preset condition. The preset condition may be set according to an actual application situation, for example, a difference between the two is minimum.
In a specific implementation manner, a navigation instruction may be set for each operation step of each self-service foreign exchange service, and when a user uses the self-service foreign exchange system to exchange foreign exchanges, the navigation instruction is obtained to guide a second user to exchange foreign exchanges through the navigation instruction. Specifically, the self-service foreign exchange system can receive a voice instruction sent by the second user through the voice acquisition device, wherein the voice instruction comprises a navigation instruction. For example, if the navigation instruction is "please jump to the foreign exchange purpose", the page is filled in for the foreign exchange purpose of the exchange system jump value according to the navigation instruction.
Further, a standard question or similar question of each operation step can be set to better serve the user through the standard question or similar question, and specifically, a question of the second user for the operation step indicated by the navigation instruction is obtained; and outputting prompt information corresponding to the inquiry. For example, the standard question for the purpose of foreign exchange is "how to fill out the purpose of foreign exchange," and the exchange system, upon receiving the standard question, prompts the user how to fill out the purpose of foreign exchange, "and similar questions" whether the purpose of foreign exchange can be skipped "or" what the purpose of foreign exchange is for "and the like. Wherein the query may comprise a standard query or the like. Namely, when transacting foreign exchange business, the user can be operated and guided, so that the rapidness and the simplification are realized, and the use experience of the user is improved.
Therefore, in order to meet the foreign exchange requirements of different users, historical exchange information of a first user with the current foreign exchange qualification is obtained, the historical exchange information is input into the exchange amount prediction model, and the amount of foreign exchange possible to be carried out by the first user at the current period is obtained. When all the first users' predicted exchange amounts are obtained, the exchange amounts are accumulated to determine the required foreign exchange reserve in current period. Namely, the foreign exchange fund required to be prepared on the current day is obtained by predicting the money amount of the user according to the historical service of the user, the call reservation of the user is not needed, the service processing efficiency is improved, and the use experience of the user is improved.
In addition, information item pre-filling and corresponding operation flow skipping and question answering can be performed according to transaction history in the user exchange process, service transaction difficulty of the user is reduced, and use experience of the user is improved.
Based on the above method embodiment, the embodiment of the present application further provides a foreign exchange service processing apparatus, which will be described below with reference to the accompanying drawings.
Referring to fig. 2, which is a structural diagram of a foreign exchange service processing apparatus according to an embodiment of the present application, as shown in fig. 2, the apparatus may include: a first acquisition unit 201, a second acquisition unit 202, and a determination unit 203.
A first obtaining unit 201, configured to obtain historical redemption information of a first user, where the first user is a user who currently has a foreign exchange redemption qualification, and the historical redemption information includes a latest redemption time and a latest redemption amount;
a second obtaining unit 202, configured to input historical redemption information of the first user into a redemption amount prediction model, and obtain a redemption amount output by the redemption amount prediction model, where the redemption amount prediction model is generated according to data to be trained and a label corresponding to the data to be trained, and the label is a historical money purchase amount;
the determining unit 203 is configured to determine the foreign exchange deposit required by the current term according to the exchange amounts of all the first users.
In a specific implementation manner, the determining unit 203 is specifically configured to obtain an account balance of the first user; subtracting the balance of the account foreign exchange of the first user from the exchange amount of the first user to obtain a target exchange amount of the first user; and determining the foreign exchange reserve required by the current term according to the target exchange amount of all the first users.
In a specific implementation manner, the determining unit 203 is specifically configured to obtain a remaining exchange amount corresponding to the first user; and when the remaining exchange amount corresponding to the first user is larger than or equal to the exchange amount of the first user, determining the foreign exchange reserve money required by the current term according to the exchange amounts of all the first users.
In a specific implementation manner, the training process of the exchange amount prediction model includes:
acquiring actual foreign exchange reserve money corresponding to the same period of the last year;
and updating the parameters of the exchange amount prediction model according to the difference value of the actual foreign exchange deposit corresponding to the same period of the last year and the foreign exchange deposit required by the current period, so that the difference value of the actual foreign exchange deposit corresponding to the same period of the last year and the foreign exchange deposit required by the current period meets the preset condition.
In a specific implementation manner, the apparatus further includes: a third acquisition unit (not shown in the figure);
the third obtaining unit is specifically configured to obtain a navigation instruction in response to a second user triggering a foreign exchange service, so as to guide the second user to exchange foreign exchanges through the navigation instruction.
In a specific implementation manner, the third obtaining unit is specifically configured to receive, by a voice collecting device, a voice instruction sent by the second user, where the voice instruction includes the navigation instruction.
In a specific implementation manner, the apparatus further includes: a fourth acquisition unit (not shown in the figure);
the fourth obtaining unit is specifically configured to obtain an inquiry of the second user for the operation step indicated by the navigation instruction; and outputting prompt information corresponding to the inquiry.
It should be noted that, for implementation of each unit in this embodiment, reference may be made to related descriptions of the above method embodiments, and details of this embodiment are not described herein again.
In addition, an embodiment of the present application further provides an electronic device, including: a processor, a memory;
the memory for storing computer readable instructions or a computer program;
the processor is configured to read the computer readable instructions or the computer program, so as to enable the device to implement the foreign exchange service processing method.
An embodiment of the present application provides a computer-readable storage medium, which includes instructions or a computer program, when the computer-readable storage medium runs on a computer, the instructions or the computer program causes the computer to execute the foreign exchange service processing method described above.
It should be noted that, in the present specification, the embodiments are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments may be referred to each other. For the system or the device disclosed by the embodiment, the description is simple because the system or the device corresponds to the method disclosed by the embodiment, and the relevant points can be referred to the method part for description.
It should be understood that in the present application, "at least one" means one or more, "a plurality" means two or more. "and/or" for describing an association relationship of associated objects, indicating that there may be three relationships, e.g., "a and/or B" may indicate: only A, only B and both A and B are present, wherein A and B may be singular or plural. The character "/" generally indicates that the former and latter associated objects are in an "or" relationship. "at least one of the following" or similar expressions refer to any combination of these items, including any combination of single item(s) or plural items. For example, at least one (one) of a, b, or c, may represent: a, b, c, "a and b", "a and c", "b and c", or "a and b and c", wherein a, b, c may be single or plural.
It is further noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. A software module may reside in Random Access Memory (RAM), memory, Read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. A foreign exchange service processing method is characterized by comprising the following steps:
acquiring historical exchange information of a first user, wherein the first user is a user who has the current foreign exchange qualification, and the historical exchange information comprises latest exchange time and latest exchange amount;
inputting the historical exchange information of the first user into an exchange amount prediction model to obtain the exchange amount output by the exchange amount prediction model, wherein the exchange amount prediction model is generated according to the data to be trained and the label corresponding to the data to be trained, and the label is the historical money purchase amount;
and determining the foreign exchange reserve required by the current term according to the exchange amount of all the first users.
2. The method of claim 1, wherein determining the required fx reserve for the current term based on the redemption amounts of all of the first users comprises:
acquiring the balance of the account foreign exchange of the first user;
subtracting the balance of the account foreign exchange of the first user from the exchange amount of the first user to obtain a target exchange amount of the first user;
and determining the foreign exchange reserve required by the current term according to the target exchange amount of all the first users.
3. The method of claim 1 or 2, wherein determining the required fx reserve according to the redemption amounts of all the first users comprises:
acquiring the remaining exchange amount corresponding to the first user;
and when the remaining exchange amount corresponding to the first user is larger than or equal to the exchange amount of the first user, determining the foreign exchange reserve money required by the current term according to the exchange amounts of all the first users.
4. The method of any one of claims 1-3, wherein the training process of the redemption amount prediction model comprises:
acquiring actual foreign exchange reserve money corresponding to the same period of the last year;
and updating the parameters of the exchange amount prediction model according to the difference value of the actual foreign exchange deposit corresponding to the same period of the last year and the foreign exchange deposit required by the current period, so that the difference value of the actual foreign exchange deposit corresponding to the same period of the last year and the foreign exchange deposit required by the current period meets the preset condition.
5. The method according to any one of claims 1-4, further comprising:
and responding to the triggering of the foreign exchange service of the second user, and acquiring a navigation instruction so as to guide the second user to exchange the foreign exchange through the navigation instruction.
6. The method of claim 5, wherein the obtaining the navigation instruction comprises:
and receiving a voice instruction sent by the second user through a voice acquisition device, wherein the voice instruction comprises the navigation instruction.
7. The method of claim 5 or 6, further comprising:
acquiring a query of the second user for the operation step indicated by the navigation instruction;
and outputting prompt information corresponding to the inquiry.
8. A foreign exchange transaction apparatus, characterized in that the apparatus comprises:
the device comprises a first obtaining unit, a second obtaining unit and a third obtaining unit, wherein the first obtaining unit is used for obtaining historical exchange information of a first user, the first user is a user who currently has foreign exchange qualification, and the historical exchange information comprises latest exchange time and latest exchange amount;
a second obtaining unit, configured to input historical exchange information of the first user into an exchange amount prediction model, and obtain an exchange amount output by the exchange amount prediction model, where the exchange amount prediction model is generated according to data to be trained and a label corresponding to the data to be trained, and the label is a historical money purchase amount;
and the determining unit is used for determining the foreign exchange deposit required by the current term according to the exchange amount of all the first users.
9. An electronic device, comprising: a processor, a memory;
the memory for storing computer readable instructions or a computer program;
the processor, configured to read the computer readable instructions or the computer program, to enable the device to implement the foreign exchange service processing method according to any one of claims 1 to 7.
10. A computer-readable storage medium comprising instructions or a computer program which, when run on a computer, cause the computer to perform the forex service processing method of any of claims 1-7 above.
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| CN110956465A (en) * | 2019-11-28 | 2020-04-03 | 中国银行股份有限公司 | Foreign currency exchange method and system |
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| US20210256605A1 (en) * | 2018-11-06 | 2021-08-19 | China Unionpay Co., Ltd. | Method and device for foreign exchange purchase transactions |
| CN109887483A (en) * | 2019-01-04 | 2019-06-14 | 平安科技（深圳）有限公司 | Self-Service processing method, device, computer equipment and storage medium |
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