CN117391853A

CN117391853A - Numerical resource processing method and device

Info

Publication number: CN117391853A
Application number: CN202311317143.0A
Authority: CN
Inventors: 马兵华
Original assignee: Clp Jinxin Software Shanghai Co ltd
Current assignee: Clp Jinxin Software Shanghai Co ltd
Priority date: 2023-10-11
Filing date: 2023-10-11
Publication date: 2024-01-12

Abstract

The application provides a method and a device for processing numerical resources, wherein the method comprises the following steps: responding to a numerical resource conversion request sent by a client, and acquiring a basic exchange rate corresponding to the current moment according to a target service type, a numerical resource to be converted and a target numerical resource to which a foreign exchange service handled by a target client belongs; determining whether an exchange rate preferential plan exists at the current moment according to at least one of the target service type, the target numerical value resource and the mechanism number corresponding to the first bank where the target client is located; under the condition that the exchange rate preference plan exists at the current moment, determining a target exchange rate conversion coefficient according to the exchange rate preference plan; and converting the to-be-converted numerical value resource of the first quota based on the basic exchange rate and the target exchange rate conversion coefficient to obtain the target numerical value resource of the corresponding quota. The target exchange rate conversion coefficient can be automatically determined, so that the numerical resources required to be converted by the target clients can be automatically converted based on the basic exchange rate and the target exchange rate conversion coefficient.

Description

Numerical resource processing method and device

Technical Field

The present disclosure relates to the field of computer technologies, and in particular, to a method and an apparatus for processing a numerical resource.

Background

With the increasing fluctuation of global financial markets and the impact of currency relaxed policies, the foreign exchange market participants are increasingly paying attention to the investment of the foreign exchange market. At present, in the foreign exchange market, various investment positions are split, so that the scale of investors in the foreign exchange market is larger and larger, the fluidity of the foreign exchange is also stronger, and the financial fund activity of the global foreign exchange market is obviously improved.

In the related art, when the conventional numerical resource processing method is adopted to price the exchange rate, the conventional numerical resource processing method only depends on the exchange rate basic price (such as the incumbent buying price, the incumbent selling price or the intermediate price) to price, and the pricing method is single and cannot meet the requirements of all clients, so that the problem that the viscosity of the clients cannot be enhanced exists.

Disclosure of Invention

The application provides a method and a device for processing numerical resources.

An embodiment of a first aspect of the present application provides a method for processing a numerical resource, where the method includes: responding to a numerical resource conversion request sent by a client, and acquiring a basic exchange rate corresponding to the current moment according to a target service type, a numerical resource to be converted and a target numerical resource to which a foreign exchange service handled by a target client belongs; the target numerical resource is the numerical resource after the numerical resource to be converted is converted; determining whether an exchange rate preferential plan exists at the current moment according to at least one of the target service type, the target numerical value resource and the institution number corresponding to the first bank; the first bank acts on a bank where the target client is located; under the condition that the exchange rate preferential plan exists at the current moment, determining a target exchange rate conversion coefficient according to the exchange rate preferential plan; and converting the value resources to be converted of the first quota based on the basic exchange rate and the target exchange rate conversion coefficient to obtain the target value resources of the corresponding quota.

In another aspect, an embodiment of the present application provides a processing apparatus for a numerical resource, where the apparatus includes:

the acquisition module is used for responding to the numerical resource conversion request sent by the client and acquiring a basic exchange rate corresponding to the current moment according to the target service type, the numerical resource to be converted and the target numerical resource to which the foreign exchange service handled by the target client belongs; the target numerical resource is the numerical resource after the numerical resource to be converted is converted;

the first determining module is used for determining whether an exchange rate preferential plan exists at the current moment according to at least one of the target service type, the target numerical value resource and the mechanism number corresponding to the first bank; the first bank acts on a bank where the target client is located;

the second determining module is used for determining a target exchange rate conversion coefficient according to the exchange rate preference plan under the condition that the exchange rate preference plan exists at the current moment;

and the first conversion module is used for converting the to-be-converted numerical value resources of the first quota based on the basic exchange rate and the target exchange rate conversion coefficient to obtain target numerical value resources of the corresponding quota.

Another embodiment of the present application proposes an electronic device, including: a memory, a processor; the memory stores computer instructions that, when executed by the processor, implement the method for processing numerical resources in embodiments of the present application.

Another embodiment of the present application proposes a computer readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements a method for processing a numerical resource according to an embodiment of the present application.

According to the processing method of the numerical resource provided by the embodiment of the application, the method comprises the following steps: responding to a numerical resource conversion request sent by a client, and acquiring a basic exchange rate corresponding to the current moment according to a target service type, a numerical resource to be converted and a target numerical resource to which a foreign exchange service handled by a target client belongs; the target numerical resource is a numerical resource after the numerical resource to be converted is converted; determining whether an exchange rate preferential plan exists at the current moment according to at least one of the target service type, the target numerical value resource and the institution number corresponding to the first bank; the first bank is a bank where the target client is located; under the condition that the exchange rate preference plan exists at the current moment, determining a target exchange rate conversion coefficient according to the exchange rate preference plan; and converting the to-be-converted numerical value resource of the first quota based on the basic exchange rate and the target exchange rate conversion coefficient to obtain the target numerical value resource of the corresponding quota. Therefore, under the condition that the rate preference plan exists, the target rate conversion coefficient can be automatically determined, so that the conversion system not only can rely on the basic rate, but also can rely on the target rate conversion coefficient determined based on the rate preference plan, and the conversion of the numerical resources required to be converted by the target clients can be automatically and effectively realized, and the flexibility is realized.

Other effects of the above alternative will be described below in connection with specific embodiments.

Drawings

The drawings are for better understanding of the present solution and do not constitute a limitation of the present application. Wherein:

FIG. 1 is a flow chart of a method for processing a numerical resource according to an embodiment of the present disclosure;

FIG. 2 is a flow chart of a method for processing a numerical resource according to a second embodiment of the present disclosure;

fig. 3 is a flow chart of a method for processing a numerical resource according to a third embodiment of the present disclosure;

FIG. 4 is a diagram of a rate pricing model provided herein;

fig. 5 is a schematic structural diagram of a processing device for numerical resources according to a fourth embodiment of the present application;

fig. 6 is a block diagram of an electronic device according to one embodiment of the present application.

Detailed Description

Embodiments of the present invention are described in detail below, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to like or similar elements or elements having like or similar functions throughout. The embodiments described below by referring to the drawings are exemplary and intended for the purpose of explaining the present application and are not to be construed as limiting the present application.

The technical scheme of the application is to acquire, store, use, process and the like data, which all meet the relevant regulations of national laws and regulations.

The following describes a method and an apparatus for processing numerical resources according to an embodiment of the present application with reference to the accompanying drawings.

Fig. 1 is a flowchart of a method for processing a numerical resource according to an embodiment of the present disclosure.

It should be noted that, the method for processing numerical resources provided in the embodiment of the present application may be applied to a server.

As shown in fig. 1, the method for processing the numerical resource may include:

and step 101, responding to a numerical resource conversion request sent by a client, and acquiring a basic exchange rate corresponding to the current moment according to a target service type, a numerical resource to be converted and a target numerical resource to which the foreign exchange service handled by a target client belongs.

It should be noted that, the client refers to a software program running on the electronic device to provide services for the user, for example, the client may be an Application (APP) with numerical resource conversion, for example, a mobile banking. The electronic device may be any device with computing capability, for example, may be a personal computer, a mobile terminal, and the mobile terminal may be a hardware device with various operating systems, touch screens, and/or display screens, for example, a vehicle-mounted device, a mobile phone, a tablet computer, a personal digital assistant, a wearable device, and the like.

The target numerical resource may be a numerical resource after the conversion of the numerical resource to be converted.

Wherein, the numerical resource can be a virtual numerical resource or an article resource; the virtual numerical resources exist in different types; for example, where the virtual value asset is currency, the virtual value resource includes different types of currencies, such as a currency, B currency, C currency, and the like.

As one example, the target value resource is dollars and the value resource to be converted is Renminbi.

It should be noted that the above examples of the target value resource and the value resource to be converted are merely exemplary, and may be other in practical applications, which is not limited in this application.

In embodiments of the present application, the base exchange rate may be determined analytically based on the target business type, where the currency exchange rate price information may include, without limitation, a cash bid price, a cash sell bid price, an intermediate price, a cash bid price (also known as a cash bid price), a cash sell price (also known as a cash sell bid price), a flat bid price, a flat sell bid price, a dollar conversion rate, an effective date, an effective time, and the like.

In the embodiment of the application, the target client may initiate a value resource conversion request of the foreign exchange service aiming at the target service type at the client, and the client may send the value resource conversion request to the server, so that after receiving the value resource conversion request, the server obtains the basic exchange rate corresponding to the current moment according to the target service type, the value resource to be converted and the target value resource to which the foreign exchange service handled by the target client belongs.

For example, assuming that the target service type is a sales and exchange service, the target numerical resource is dollars, the numerical resource to be converted is Renminbi, and the numerical resource conversion request sent by the client is responded, the basic exchange rate corresponding to the current moment can be obtained according to the target service type, the numerical resource to be converted and the target numerical resource to which the foreign exchange service handled by the target client belongs, that is, the basic exchange rate of the sales and exchange service for Renminbi exchanging dollars at the current moment is obtained, wherein the basic exchange rate can be determined based on the money buying price.

Step 102, determining whether an exchange rate preference plan exists at the current moment according to at least one of the target service type, the target numerical value resource and the organization number corresponding to the first bank.

The first bank may be a bank where the target client is located, that is, a bank where the target client handles foreign exchange business of the target business type.

In the embodiment of the application, the rate offer plan can be used for calculating offers for the basic rate.

In the embodiment of the application, whether the exchange rate preference plan exists at the current moment can be determined according to at least one of the target service type, the target numerical value resource and the institution number corresponding to the first bank.

As an example, the corresponding exchange rate preference plan may be configured in advance according to the service type, the numerical resource, the exchange rate deadline, and the organization number of the bank of the foreign exchange service, and the correspondence between the service type, the numerical resource, the exchange rate deadline, the organization number of the bank, and the exchange rate preference plan of the foreign exchange service may be stored correspondingly, so that, when the target service type, the target numerical resource, the organization number corresponding to the first bank, and the current time are determined, the correspondence is queried, and whether the exchange rate preference plan exists at the current time may be determined.

It should be noted that, the exchange rate preference plan may be set for the first bank, or may also be set for a bank associated with the first bank, which is not limited in this application.

The bank associated with the first bank may be, for example, a branch of a bank to which the first bank belongs, or may be a bank headquarter to which the first bank belongs, or the like, which is not limited in this application.

As an example, whether the first bank has the exchange rate preference plan at the current moment can be preferentially determined according to the target service type, the target numerical value resource and the corresponding organization number of the first bank; when the first bank at the current moment has the exchange rate preferential plan A, the exchange rate preferential plan A can be adopted; when the first bank does not have the rate preference plan at the current moment, the corresponding rate preference plan can be acquired from the bank with the association relation with the first bank, and after the corresponding rate preference plan is acquired, the rate preference plan set by the bank with the association relation with the first bank can be adopted.

And step 103, determining a target exchange rate conversion coefficient according to the exchange rate preference plan when the exchange rate preference plan exists at the current moment.

In the embodiment of the application, when it is determined that the rate preference plan exists at the current moment, the target rate conversion coefficient may be determined according to the rate preference plan.

And 104, converting the value resources to be converted of the first quota based on the basic exchange rate and the target exchange rate conversion coefficient to obtain the target value resources of the corresponding quota.

In the embodiment of the present application, the to-be-converted numerical resource of the first quota may be converted based on the conversion coefficient of the base exchange rate and the target exchange rate, so as to obtain the target numerical resource of the corresponding quota.

As an example, assume that the first credit is m ₁ The basic exchange rate is a, the value resource to be converted is dollars, the target value resource is RMB, and the conversion coefficient of the target exchange rate is b, the dollars of the first credit can be converted according to the following formula to obtain the corresponding credit, namely the credit is m ₂ Is a kind of RMB:

m ₂ ＝m ₁ *a*b；(1)

in one possible implementation manner of the embodiment of the present application, when it is determined that the rate preference plan does not exist at the current moment, the value resources to be converted of the first quota may be converted based on the base rate, so as to obtain the target value resources of the corresponding quota.

As an example, assume that the first credit is m ₁ If the basic exchange rate is a, the value resource to be converted is dollars, the target value resource is RMB, the dollars of the first credit can be converted according to the following formula to obtain the corresponding credit, namely the credit is m ₃ Is a kind of RMB:

m ₃ ＝m ₁ *a；(2)

according to the numerical resource processing method, a basic exchange rate corresponding to the current moment is obtained according to the target service type, the numerical resource to be converted and the target numerical resource of the foreign exchange service handled by the target client by responding to the numerical resource conversion request sent by the client; the target numerical resource is a numerical resource after the numerical resource to be converted is converted; determining whether an exchange rate preferential plan exists at the current moment according to at least one of the target service type, the target numerical value resource and the institution number corresponding to the first bank; the first bank is a bank where the target client is located; under the condition that the exchange rate preference plan exists at the current moment, determining a target exchange rate conversion coefficient according to the exchange rate preference plan; and converting the to-be-converted numerical value resource of the first quota based on the basic exchange rate and the target exchange rate conversion coefficient to obtain the target numerical value resource of the corresponding quota. Therefore, under the condition that the rate preference plan exists, the target rate conversion coefficient can be automatically determined, so that the conversion system not only can rely on the basic rate, but also can rely on the target rate conversion coefficient determined based on the rate preference plan, and the conversion of the numerical resources required to be converted by the target clients can be automatically and effectively realized, and the flexibility is realized.

In order to clearly explain how to determine the conversion coefficient of the target exchange rate according to the exchange rate preference plan in the above embodiment of the present application, the present application further provides a processing method of the numerical resource.

Fig. 2 is a flow chart of a method for processing a numerical resource according to a second embodiment of the present disclosure.

As shown in fig. 2, the method for processing the numerical resource may include:

in step 201, in response to a value resource conversion request sent by a client, a basic exchange rate corresponding to a current moment is obtained according to a target service type, a value resource to be converted and a target value resource to which a foreign exchange service handled by a target client belongs.

Step 202, determining whether an exchange rate preferential plan exists at the current moment according to the target service type, the target numerical value resource and the organization number corresponding to the first bank.

The execution of steps 201 to 202 may refer to the execution of any embodiment of the present application, and will not be described herein.

Step 203, under the condition that the current moment has the rate preference plan, acquiring at least one corresponding differentiation rule according to the rate preference plan.

The differentiation rule may be a rule set based on a difference dimension, and may be set with a corresponding exchange rate floating coefficient.

Wherein the variance dimension may include at least one of a customer dimension, a region dimension, a channel dimension.

In one possible implementation of the embodiments of the present application, the differentiation rules may include at least one dimension rule.

The dimension rule may be a rule set based on any child dimension type in the difference dimension.

In embodiments of the present application, the difference dimension may include at least one child dimension type. It should be noted that the number of child dimension types included in the difference dimension may be, but is not limited to, one, which is not limited in this application.

As one example, assume that a difference dimension includes a customer dimension, and that a child dimension type corresponding to the customer dimension includes a customer type, a customer comprehensive assessment level, and the like; the client types may include, for example, individual clients, enterprise clients, government clients, channel clients, etc., which are not limited in this application; the customer comprehensive evaluation level may include, for example, a general customer, a gold grade customer, a platinum grade customer, a diamond grade customer, a private banking customer, etc., which is not limited in this application.

As another example, assume that the difference dimension includes a region dimension, and the sub-dimension type corresponding to the region dimension includes a region type, a region level, and the like; the region type may include, for example, an economic region, a administrative region, an agricultural region, an industrial region, etc., which is not limited in the present application; the zone level may include, for example, primary, secondary, tertiary, etc., which is not limiting in this application.

As yet another example, assume that the difference dimension includes a channel dimension, and the sub-dimension type corresponding to the channel dimension includes a channel type, a channel level, and the like; the channel types can comprise mobile phone banking channels, offline channels and the like, and the application is not limited to the channel types; channel grades may include, for example, primary, secondary, tertiary, etc., which are not limiting in this application.

It should be noted that, the foregoing examples of the difference dimension and the sub-dimension types included in the difference dimension are merely exemplary, and in practical application, the difference dimension and the sub-dimension type corresponding to the difference dimension may be set according to the need, which is not limited in this application.

In the embodiment of the application, the dimension rule may be set based on any child dimension type in the difference dimension. For example, setting a dimension rule based on a child dimension type in a customer dimension is: the client type is enterprise client; for another example, the dimension rule is set based on the sub-dimension type customer comprehensive evaluation level in the customer dimension as follows: the customer comprehensive assessment level is not a private banking customer.

In the embodiment of the present application, the number of dimension rules included in the differentiation rule may be, but is not limited to, one. For example, the differentiation rule 1 is: when the comprehensive evaluation grade of the client is a platinum-grade client and the client type is a personal client, the exchange rate floating coefficient is +5 per mill; for another example, the differentiation rule 2 is: when the channel type is a mobile banking channel and the comprehensive evaluation level of the client is a platinum-level client, the exchange rate floating coefficient is-10 per mill.

It should be noted that the above example of the differentiation rule is merely exemplary, and in practical application, the differentiation rule may be set as needed.

In the embodiment of the application, under the condition that the current moment is determined to have the rate preference plan, the corresponding at least one differentiation rule can be obtained according to the rate preference plan.

For example, a correspondence between the rate offer plan and the differentiation rule may be preset, so that after determining the rate offer plan, the relationship may be queried to determine the corresponding differentiation rule.

It should be noted that any rate offer plan may be provided with one or more corresponding differentiation rules, which is not limited in this application. For example, for exchange rate preference plan a, two corresponding differentiation rules may be set; for exchange rate preference plan B, 5 corresponding differencing rules may be set.

Step 204, determining whether a first differencing rule matching the target client exists in the at least one differencing rule.

In the embodiment of the present application, the first differentiation rule may be, but is not limited to, one, which is not limited in this application.

In the case where the differencing rule includes at least one dimension rule, to clearly illustrate how to determine whether there is a first differencing rule in the at least one differencing rule that matches the target customer, in one possible implementation of an embodiment of the present application, the following steps may be employed:

In step 2041, customer information of the target customer is acquired.

Wherein the customer information may include customer base information and customer service information.

In the embodiment of the present application, the client basic information may include, for example, a client comprehensive evaluation level, a client type, and the like, which is not limited in the present application.

For example, the client basic information of the client a is an ordinary client, an individual client.

It should be noted that the foregoing examples of the client basic information of the client are merely exemplary, and may be other in practical applications, which is not limited in this application.

In the embodiment of the present application, the customer service information may include, for example, a channel type and a channel level of a channel adopted when the customer transacts the service, an area type and an area level of an area where the customer transacts the service, a transaction amount when the customer transacts the service, and the like, which is not limited in this application.

For example, when the customer business information of the customer B is business, the channel used for the customer B is a mobile banking, and the area is an economic area.

It should be noted that the above examples of the customer service information of the customer are merely exemplary, and may be other in practical applications, which is not limited in this application.

Step 2042, for any differencing rule, respectively matching the dimension rule under the differencing rule with the client information to determine whether the differencing rule matches with the target client.

In the embodiment of the application, for any differentiating rule, the dimension rule under the differentiating rule can be respectively matched with the client information to determine whether the differentiating rule is matched with the target client.

As an example, assume that the differentiation rule S is: when the comprehensive evaluation level of the client is a platinum-level client and the client type is a personal client, the exchange rate floating coefficient is +5 per mill, wherein the dimension rule under the differentiation rule S comprises a 'client comprehensive evaluation level is a platinum-level client' and a 'client type is a personal client', and the dimension rule under the differentiation rule S can be respectively matched with the client information of the target client, so that whether the differentiation rule S is matched with the target client or not can be determined; for example, the client information of the target client is: the comprehensive evaluation grade of the clients is common clients, the types of the clients are individual clients, the channels adopted when the target clients transact business are mobile phone banks, and the dimension rules under the differentiation rules S are respectively matched with the client information of the target clients, so that the mismatch between the differentiation rules S and the target clients can be determined.

In step 2043, in the event that the differentiation rule matches the target customer, the differentiation rule is determined to be a first differentiation rule.

In the embodiment of the present application, in the case that the differentiation rule matches the target client, the differentiation rule may be determined as the first differentiation rule.

In step 2044, in the case that none of the differencing rules match the target customer, it is determined that there is no first differencing rule matching the target customer in the at least one differencing rule.

In the embodiment of the present application, in the case that each differentiation rule does not match the target client, it may be determined that, in the at least one differentiation rule, there is no first differentiation rule matching the target client.

Therefore, whether the first differentiation rule matched with the target client exists in the differentiation rules can be effectively determined.

In step 205, in the case that it is determined that the first differentiation rule matching the target client exists in the at least one differentiation rule, a target exchange rate conversion coefficient is determined based on each of the first differentiation rules.

As a possible implementation manner, in the case that the first differentiation rules are configured with corresponding priorities, the target exchange rate conversion coefficient may be determined according to the priorities and the exchange rate floating coefficients configured by the first differentiation rules.

In one possible implementation manner of the embodiment of the present application, each first differentiation rule may be arranged according to a sequence from high to low corresponding to a priority, to obtain a sorting sequence; and based on the sequencing sequence, carrying out superposition calculation on the exchange rate conversion coefficients sequentially configured according to the differentiation rules to obtain the target exchange rate conversion coefficients.

As an example, assume that the priority and exchange rate floating coefficients of each first differencing rule configuration are as shown in table 1:

TABLE 1 priority and exchange Rate Floating coefficient Table for first differentiation rule configurations

First differentiation rule	Priority level	Exchange rate floating coefficient
			Differentiation rule 1	Level 0	+5‰
Differentiation rule 3	3 grade	+0.1‰
			Differentiation rule 7	Level 1	+7‰

The first differentiation rules are arranged according to the sequence from high priority to low priority, and the obtained ordering sequence is as follows: differentiation rule 1, differentiation rule 7, differentiation rule 3; based on the sorting sequence, the exchange rate conversion coefficient is subjected to superposition calculation on the exchange rate floating coefficients which are sequentially configured according to the differentiation rule, and the target exchange rate conversion coefficient K can be obtained according to the following formula:

K＝(1+5‰)*(1+7‰)*(1+0.1‰)；(3)

as another possible implementation manner, in a case that the first differentiation rules are configured with corresponding priorities, determining a target differentiation rule from the first differentiation rules based on the priorities of the first differentiation rules; and determining a target exchange rate conversion coefficient based on the exchange rate floating coefficient configured by the target differentiation rule.

In the embodiment of the present application, the target differentiation rule may be determined from the first differentiation rules based on the priority of the first differentiation rules.

As one possible implementation manner, the first differentiation rule with the highest priority among the first differentiation rules may be determined as the target differentiation rule, or the first differentiation rule with the largest exchange rate floating coefficient among the first differentiation rules may be determined as the target differentiation rule.

In the embodiment of the application, the target exchange rate conversion coefficient can be determined based on the exchange rate floating coefficient configured by the target differentiation rule.

For example, assuming that the exchange rate floating coefficient of the target differentiation rule arrangement is +0.1 mill, the target exchange rate conversion coefficient may be determined to be (1+0.1 mill).

In summary, it may be achieved that the target exchange rate conversion coefficient is effectively determined based on each first differentiation rule.

And step 206, converting the value resources to be converted of the first quota based on the basic exchange rate and the target exchange rate conversion coefficient to obtain the target value resources of the corresponding quota.

The execution of step 206 may refer to the execution of any embodiment of the present application, which is not described herein.

In one possible implementation manner of the embodiment of the present application, under the condition that it is determined that a first differentiation rule matched with a target client does not exist in at least one differentiation rule, converting a value resource to be converted of a first quota based on a basic exchange rate, so as to obtain a target value resource of a corresponding quota.

It is to be appreciated that in the event that it is determined that there is no first differencing rule in the at least one differencing rule that matches the target client, it is indicated that there is no exchange rate offer to the target client. At this time, the to-be-converted numerical value resource of the first quota may be converted based on the basic exchange rate, so as to obtain the target numerical value resource of the corresponding quota.

According to the numerical resource processing method, corresponding at least one differentiation rule is obtained according to the exchange rate preference plan; the differentiation rules are rules set based on the difference dimension, and corresponding exchange rate floating coefficients are set; the difference dimension comprises at least one of a customer dimension, a region dimension, and a channel dimension; determining whether a first differencing rule matched with the target client exists in the at least one differencing rule; in the case that the first differentiation rules matched with the target clients exist in the at least one differentiation rule, the target exchange rate conversion coefficient is determined based on the first differentiation rules. Therefore, the differentiation rules are matched with the target clients, and the target exchange rate conversion coefficient which is more suitable for the target clients is flexibly set based on the differentiation rules matched with the target clients, so that the use experience degree of the target clients can be improved.

In order to clearly explain how to convert the value resources to be converted of the first quota based on the conversion coefficient of the basic exchange rate and the target exchange rate to obtain the target value resources of the corresponding quota, the application further provides a processing method of the value resources.

Fig. 3 is a flow chart of a method for processing a numerical resource according to a third embodiment of the present application.

As shown in fig. 3, according to the above embodiment of the present application, the method for processing a numerical resource may further include:

step 301, in response to a value resource conversion request sent by a client, obtaining a basic exchange rate corresponding to a current moment according to a target service type, a value resource to be converted and a target value resource to which a foreign exchange service handled by a target client belongs.

Step 302, determining whether an exchange rate preferential plan exists at the current moment according to the target service type, the target numerical value resource and the organization number corresponding to the first bank.

And 303, determining a target exchange rate conversion coefficient according to the exchange rate preference plan when the exchange rate preference plan exists at the current moment.

The execution of steps 301 to 303 may refer to the execution of any embodiment of the present application, which is not described herein.

Step 304, a first rate is determined based on the base rate and the target rate scaling factor.

As an example, assuming that the base exchange rate is m and the target exchange rate conversion coefficient is a, the first exchange rate k may be determined as follows:

k＝m*a；(4)

step 305 determines whether there is an upper rate threshold and/or a lower rate threshold.

The upper threshold of the exchange rate can be set for a first bank or can be set for a second bank associated with the first bank;

the lower threshold of exchange rate may be set by a first bank or may be set by a second bank associated with the first bank;

the second bank may be a bank associated with the first bank, for example, the second bank may be a bank branch to which the first bank belongs, or may also be a bank headquarter to which the first bank belongs, or the like, which is not limited in this application.

In embodiments of the present application, it may be determined whether there is an upper rate threshold and/or a lower rate threshold.

In step 305, in the case where it is determined that there is an upper and/or lower rate threshold, a target rate is determined from the upper and/or lower rate threshold and the first rate.

As one example, in the case where it is determined that only the upper threshold value of the exchange rate exists, when the first exchange rate is not greater than the upper threshold value of the exchange rate, the first exchange rate may be determined as the target exchange rate; when the first rate is greater than the upper rate threshold, the upper rate threshold may be determined to be the target rate.

As another example, in the case where it is determined that only the lower rate threshold exists, when the first rate is not less than the lower rate threshold, the first rate may be determined as the target rate; when the first rate is greater than the lower rate threshold, the lower rate threshold may be determined to be the target rate.

As yet another example, in the case where it is determined that there are an upper rate threshold and a lower rate threshold, and the upper rate threshold is greater than the lower rate threshold, when the first rate is not greater than the upper rate threshold and the first rate is not less than the lower rate threshold, the first rate may be determined as the target rate; the upper rate threshold may be determined to be the target rate when the first rate is greater than the upper rate threshold, or the lower rate threshold may be determined to be the target rate when the first rate is less than the lower rate threshold.

Step 306, converting the to-be-converted numerical resource of the first quota based on the target exchange rate to obtain a target numerical resource of the corresponding quota.

As an example, assume that the target exchange rate is k _{Order of (A)} The first limit is W ₁ The value resource to be converted of the first credit can be converted according to the following formula to obtain the corresponding credit, namely the credit is W ₂ Target numerical resource of (2):

W ₂ ＝W ₁ *k _{order of (A)} ；(5)

It may be understood that there may be a situation that there is no upper threshold value of exchange rate and no lower threshold value of exchange rate, and in this case, in one possible implementation manner of the embodiment of the present application, the to-be-converted numerical resource of the first quota may be converted based on the first exchange rate, so as to obtain the target numerical resource of the corresponding quota.

As an example, assuming that the first exchange rate is k1 and the first quota is W, the to-be-converted numerical resource of the first quota may be converted according to the following formula, to obtain a target numerical resource with a corresponding quota, i.e., quota W':

W'＝W*k ₁ ；(6)

according to the numerical resource processing method, the first exchange rate is determined based on the basic exchange rate and the target exchange rate conversion coefficient; determining whether an upper exchange rate threshold and/or a lower exchange rate threshold exist; wherein the upper threshold of exchange rate is set by a first bank or by a second bank associated with the first bank; the lower threshold of exchange rate is set by a first bank or by a second bank associated with the first bank; determining a target exchange rate from the upper exchange rate threshold and/or the lower exchange rate threshold and the first exchange rate when the upper exchange rate threshold and/or the lower exchange rate threshold exist; and converting the value resources to be converted of the first quota based on the target exchange rate to obtain the target value resources of the corresponding quota. Thereby, conversion of the numerical resource to be converted can be achieved.

In order to clearly illustrate the processing method of the numerical resource of the present application, the following details are described with reference to examples.

As an example, the processing method of the numerical resource of the present application is applied to an exchange rate pricing model for illustration. FIG. 4 is a diagram of a rate pricing model provided herein. As shown in FIG. 4, the exchange rate pricing model includes three parts, namely, base price, preferential price control, and preferential planning, wherein:

1. basic price

The base price, i.e., the exchange rate base price, may be used to provide or support currency exchange rate price information for use by the foreign exchange business.

Wherein, the currency code: in the direct pricing method, exchange rates, i.e. exchange rates, of different currencies to the renmins can be set by different currency codes.

Units: for representing the price Y of the X-element foreign currency exchange RMB in the unit. For example, a dollar cash purchase price of 638.50 in 100 units would indicate a cash purchase price of 638.50 units for a dollar exchange of 100 units for RMB.

Dollar conversion rate: the method is generally used for preparing the foreign currency for payment, and a price attribute can be independently set.

Date and time of validation: can be set up as YYYYMMDD HHMMSS to support high frequency real-time prices for exchange rate brands.

2. Preferential price control

The preferential price control can be used for setting the floating threshold value of each foreign exchange price of the foreign exchange business, realizing the control of the floating upper limit interval and the floating lower limit interval, and after the preferential control price information is set, the subsequent differentiated pricing price can only float in the interval.

Wherein, the exchange rate business types, such as the collection of sales, foreign exchange deposit, foreign exchange loan, etc. It should be noted that, the exchange rate service type may be expanded according to the service development.

Exchange rate deadline: i.e., the term of delivery of the foreign exchange, may include spot, long term, etc.

Mechanism number: the organization tree of the tree form may be employed for management to achieve organization coverage for preferential control.

3. Preferential plan

The preference plan may set different exchange rate preference plans according to the exchange rate service type, the transaction currency, the exchange rate term, the institution number (in this application, the institution number) corresponding to the bank where the foreign exchange service is handled, the transaction amount, and the like.

It should be noted that different differentiation rules may be set under each exchange rate offer plan, and offer floating coefficients (which are denoted as exchange rate floating coefficients in the present application) corresponding to the differentiation rules, effective dates, expiration dates, and priority levels.

Any differentiated rule can set preferential rule conditions according to dimension information (namely, a differentiated dimension in the application) such as a customer dimension, a region dimension, a channel dimension and the like, so that multi-dimension differentiated pricing is realized.

The overall exchange rate pricing model may form a parameter configuration of 1:1:n:m according to an exchange rate service type, an exchange rate preference plan, a differentiation rule and dimension conditions (herein referred to as dimension rules), that is, 1 exchange rate preference plan may be configured under 1 foreign exchange service scene, n differentiation rules may be configured under 1 exchange rate preference plan, and m dimension conditions may be configured under any differentiation rule), so as to support differentiated pricing rules of foreign exchange services.

Wherein, the differentiation rule selection mode: when a plurality of differentiation rules are set under the exchange rate preference plan, a situation that a client simultaneously meets the plurality of differentiation rules may occur, and at this time, a preference calculation mode may be determined by configuring a differentiation rule selection mode. The method for selecting the differentiation rules may include a method for selecting the differentiation rule with the highest preferential floating coefficient, a method for selecting the differentiation rule with the highest priority level, and the like, which is not limited in the application.

Dimension type (denoted as child dimension type in this application): the type of classifying the dimension information may be indicated, for example, the dimension types included in the customer dimension are customer types, customer comprehensive assessment levels, and the like.

Dimensional conditions: based on the rule set by the dimension type, for example, when the dimension type is the customer comprehensive evaluation level, the customer comprehensive evaluation level may be divided into: general clients, gold clients, platinum clients, diamond clients, private banking clients, etc., the rules set according to the comprehensive evaluation level of the clients are, for example, private banking clients.

Logic comparison rules: and a logic operator, when the client information of the client is matched with the differentiation rule, determining whether the client information is matched with the dimension condition under the differentiation rule or not through the logic operator.

As a scenario, the exchange rate pricing model is applied to an example of a scenario of an exchange rate service type as an foreign exchange service of a customer junction sales exchange service, and the processing method for the digital resource in the customer junction sales exchange service scenario can include the following steps:

1. and when the target client transacts the exchange rate service type through the service transacting business website as the exchange selling service of the client, acquiring the basic exchange rate.

Specifically, the base price of the exchange rate corresponding to the current moment can be obtained according to the business handling currency, and the base exchange rate is determined based on the base price of the exchange rate. For example, if a cash sell is conducted with dollar 100, the obtained basic price of exchange rate is the latest dollar banknote price and corresponding unit, for example, dollar banknote price 638.5, with unit 100, and the basic exchange rate is 638.5/100 (= 6.385). Wherein dollars are the numerical resources to be converted, and RMB is the target numerical resource.

2. Judging whether there is exchange rate preferential plan

Specifically, determining whether to set an exchange rate preferential plan at the current moment according to the business handling business network point, the business handling currency and the exchange rate business type; if no exchange rate preferential plan is set in the business handling business website, whether corresponding exchange rate preferential plans are set in the branch and the total branch of the bank to which the business handling business website belongs or not can be continuously judged; if the business handling business website, the bank branch to which the business handling business website belongs and the bank general branch are not provided with corresponding exchange rate preferential plans, the target client is indicated to have no exchange rate preferential, the base exchange rate can be used as the exchange rate for the client, the value resources to be converted of the first amount are converted, the target value resources of the corresponding amount are obtained, and the exchange rate pricing calculation is finished.

3. Under the condition of having an exchange rate preferential plan, acquiring at least one differentiation rule corresponding to the exchange rate preferential plan; the exchange rate preferential plan can be set for business handling business sites or can be set for banks and banks headquarters to which the business handling business sites belong;

4. for any differentiating rule, matching the dimension condition under the differentiating rule with the client information of the target client to determine whether the differentiating rule is matched with the target client; when it is determined that the differencing rule matches the target client, then the differencing rule may be determined to be the hit differencing rule (denoted as the first differencing rule in this application).

5. And (3) calculating exchange rate pricing:

a) If the hit differentiation rules are multiple, preference calculation can be performed according to a differentiation rule selection mode set on the preference plan, firstly, a target exchange rate conversion coefficient is determined based on exchange rate floating coefficients corresponding to the hit differentiation rules, and secondly, the to-be-converted numerical value resources of the first quota are converted based on the base exchange rate and the target exchange rate conversion coefficient, so that the target numerical value resources of the corresponding quota are obtained.

As an example, the differentiating rule selecting manner is a manner of selecting a differentiating rule with a highest preferential floating coefficient, firstly, a target exchange rate conversion coefficient may be determined based on the preferential floating coefficient configured by the differentiating rule with the highest preferential floating coefficient in the differentiating rules of each hit, and finally, the value resource to be converted of the first quota may be converted based on the target exchange rate conversion coefficient and the base exchange rate, so as to obtain the target value resource of the corresponding quota. For example, assuming that a preferential floating coefficient configured by a differentiation rule having the highest preferential floating coefficient among the differentiation rules of each hit is a, a target exchange rate conversion coefficient determined based on the preferential floating coefficient is (1+a); based on the target exchange rate conversion coefficient (1+a) and the base exchange rate m, the to-be-converted numerical value resource of the first quota w1 can be converted according to the following formula to obtain a corresponding quota, namely, a target numerical value resource with the quota w 2:

w2＝w1*m*(1+a)；(7)

The above-mentioned example of the differential rule selection method is merely exemplary, and in practical application, the differential rule selection method may be a method of selecting a differential rule with a highest priority level, a method of stacking and calculating in order of priority from high to low, and the like.

b) And determining whether the business handling business website sets an upper limit threshold value and/or a lower limit threshold value of exchange rate according to the business handling business website, and if not, judging whether the bank branches and the bank total branches to which the business handling business website belongs have the upper limit threshold value and/or the lower limit threshold value of exchange rate.

If the upper threshold value and the lower threshold value of the exchange rate are not set, the base exchange rate is used as the final price of the exchange rate for the customer;

if an upper exchange rate threshold and/or a lower exchange rate threshold are set, then:

firstly, determining the product of a basic exchange rate and a target exchange rate conversion coefficient as a first exchange rate;

secondly, determining a target exchange rate from the first exchange rate, the upper exchange rate threshold and/or the lower exchange rate threshold;

And finally, converting the to-be-converted numerical value resource of the first quota based on the target exchange rate to obtain the target numerical value resource of the corresponding quota.

6. When the target client is not matched with each differentiation rule, the target client is indicated to have no exchange rate preference, the base exchange rate can be used as the exchange rate for the client, the to-be-converted numerical value resources of the first amount are converted, the target numerical value resources of the corresponding amount are obtained, and the exchange rate calculation is finished.

In summary, the exchange rate pricing model of the present application has at least the following features:

1. the management of the basic exchange rate price which supports high-frequency real-time change is carried out;

2. the differentiated rule for configuring the multi-dimensional foreign exchange business is supported, and the dimension is expandable;

3. control of the offer threshold is supported.

The processing method of the numerical resource based on the exchange rate pricing model takes the client as a center, can realize multi-dimensional differentiated exchange rate pricing, can improve the use experience of the client, can enhance the viscosity of the client, and can promote the business development of the foreign exchange market.

Corresponding to the above-mentioned processing method of the numerical resource provided by the embodiments of fig. 1 to 3, the present application further provides a processing device of the numerical resource, and since the processing device of the numerical resource provided by the embodiments of the present application corresponds to the processing method of the numerical resource provided by the embodiments of fig. 1 to 3, the implementation of the processing method of the numerical resource is also applicable to the processing device of the numerical resource provided by the embodiments of the present application, which is not described in detail in the embodiments of the present application.

Fig. 5 is a schematic structural diagram of a processing device for numerical resources according to a fourth embodiment of the present application.

As shown in fig. 5, the processing apparatus 500 for numerical resources may include an acquisition module 501, a first determination module 502, a second determination module 503, and a first conversion module 504.

The obtaining module 501 is configured to obtain, in response to a value resource conversion request sent by a client, a basic exchange rate corresponding to a current moment according to a target service type, a value resource to be converted, and a target value resource to which a foreign exchange service handled by a target client belongs; the target numerical resource is a numerical resource after the numerical resource to be converted is converted.

A first determining module 502, configured to determine whether an exchange rate preference plan exists at the current moment according to at least one of a target service type, a target numerical resource, and a mechanism number corresponding to the first bank; the first bank is a bank where the target client is located.

The second determining module 503 is configured to determine, according to the rate offer plan, a target rate conversion coefficient when it is determined that the rate offer plan exists at the current time.

The first conversion module 504 is configured to convert the value resource to be converted of the first quota based on the basic exchange rate and the target exchange rate conversion coefficient, to obtain a target value resource of the corresponding quota.

In a possible implementation manner of the embodiment of the present application, the second determining module 503 is configured to: acquiring at least one corresponding differentiation rule according to the exchange rate preferential plan; the differentiation rules are rules set based on the difference dimension, and corresponding exchange rate floating coefficients are set; the difference dimension comprises at least one of a customer dimension, a region dimension, and a channel dimension; determining whether a first differencing rule matched with the target client exists in the at least one differencing rule; in the case that the first differentiation rules matched with the target clients exist in the at least one differentiation rule, the target exchange rate conversion coefficient is determined based on the first differentiation rules.

In one possible implementation of an embodiment of the present application, the differentiation rule includes at least one dimension rule; the dimension rule is a rule set based on any child dimension type in the difference dimension; a second determining module 503, configured to: acquiring client information of a target client; wherein, the customer information comprises customer basic information and customer service information; for any differentiating rule, matching the dimension rule under the differentiating rule with the client information to determine whether the differentiating rule is matched with the target client; determining the differentiation rule as a first differentiation rule under the condition that the differentiation rule is matched with the target client; in the case that none of the differencing rules matches the target customer, it is determined that there is no first differencing rule matching the target customer in the at least one differencing rule.

In one possible implementation manner of the embodiment of the present application, the first differentiation rule is configured with a corresponding priority; a second determining module 503, configured to: determining a target exchange rate conversion coefficient according to the priority and the exchange rate floating coefficient configured by each first differentiation rule; or determining a target differentiation rule from the first differentiation rules based on the priority of the first differentiation rules; and determining a target exchange rate conversion coefficient based on the exchange rate floating coefficient configured by the target differentiation rule.

In a possible implementation manner of the embodiment of the present application, the second determining module 503 is configured to: arranging the first differentiation rules according to the corresponding priority from high to low to obtain a sequencing sequence; and based on the sequencing sequence, carrying out superposition calculation on the exchange rate conversion coefficients sequentially configured according to the differentiation rules to obtain the target exchange rate conversion coefficients.

In a possible implementation manner of the embodiment of the present application, the second determining module 503 is configured to: determining a first differentiation rule with the highest priority in the first differentiation rules as a target differentiation rule; or, determining the first differentiation rule with the largest exchange rate floating coefficient among the first differentiation rules as the target differentiation rule.

In one possible implementation manner of the embodiment of the present application, the processing apparatus 500 of the numerical resource may further include:

and the second conversion module is used for converting the to-be-converted numerical value resources of the first quota based on the basic exchange rate under the condition that the first differentiation rule matched with the target client does not exist in the at least one differentiation rule, so as to obtain the target numerical value resources of the corresponding quota.

In one possible implementation manner of the embodiment of the present application, the first conversion module 504 is configured to: determining a first exchange rate based on the base exchange rate and the target exchange rate conversion coefficient; determining whether an upper exchange rate threshold and/or a lower exchange rate threshold exist; wherein the upper threshold of exchange rate is set by a first bank or by a second bank associated with the first bank; the lower threshold of exchange rate is set by a first bank or by a second bank associated with the first bank; determining a target exchange rate from the upper exchange rate threshold and/or the lower exchange rate threshold and the first exchange rate when the upper exchange rate threshold and/or the lower exchange rate threshold exist; and converting the value resources to be converted of the first quota based on the target exchange rate to obtain the target value resources of the corresponding quota.

and the third conversion module is used for converting the value resources to be converted of the first quota based on the first exchange rate under the condition that the upper exchange rate threshold and the lower exchange rate threshold are not determined to exist, so as to obtain the target value resources of the corresponding quota.

and the fourth conversion module is used for converting the value resources to be converted of the first quota based on the basic exchange rate under the condition that the exchange rate preferential plan does not exist at the current moment, so as to obtain the target value resources of the corresponding quota.

According to the numerical resource processing device provided by the embodiment of the application, the basic exchange rate corresponding to the current moment is obtained according to the target service type, the numerical resource to be converted and the target numerical resource of the foreign exchange service handled by the target client by responding to the numerical resource conversion request sent by the client; the target numerical resource is a numerical resource after the numerical resource to be converted is converted; determining whether an exchange rate preferential plan exists at the current moment according to at least one of the target service type, the target numerical value resource and the institution number corresponding to the first bank; the first bank is a bank where the target client is located; under the condition that the exchange rate preference plan exists at the current moment, determining a target exchange rate conversion coefficient according to the exchange rate preference plan; and converting the to-be-converted numerical value resource of the first quota based on the basic exchange rate and the target exchange rate conversion coefficient to obtain the target numerical value resource of the corresponding quota. Therefore, under the condition that the rate preference plan exists, the target rate conversion coefficient can be automatically determined, so that the conversion system not only can rely on the basic rate, but also can rely on the target rate conversion coefficient determined based on the rate preference plan, and the conversion of the numerical resources required to be converted by the target clients can be automatically and effectively realized, and the flexibility is realized.

According to an embodiment of the application, the application further provides electronic equipment.

Wherein, electronic equipment includes:

a processor;

a memory for storing processor-executable instructions;

wherein the processor is configured to execute instructions to implement a method for processing a numerical resource as set forth in any of the foregoing embodiments.

As an example, fig. 6 is a schematic structural diagram of an electronic device 600 according to an exemplary embodiment of the present application, where, as shown in fig. 6, the electronic device 600 may further include:

a memory 610 and a processor 620, a bus 630 connecting the different components (including the memory 610 and the processor 620), the memory 610 storing a computer program, when the processor 620 executes the program, implements the method for processing numerical resources of the embodiments of the present application.

Bus 630 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, a processor, and a local bus using any of a variety of bus architectures. By way of example, and not limitation, such architectures include Industry Standard Architecture (ISA) bus, micro channel architecture (MAC) bus, enhanced ISA bus, video Electronics Standards Association (VESA) local bus, and Peripheral Component Interconnect (PCI) bus.

Electronic device 600 typically includes a variety of electronic device readable media. Such media can be any available media that is accessible by electronic device 600 and includes both volatile and nonvolatile media, removable and non-removable media.

Memory 610 may also include computer system readable media in the form of volatile memory, such as Random Access Memory (RAM) 640 and/or cache memory 650. The server 600 may further include other removable/non-removable, volatile/nonvolatile computer system storage media. By way of example only, storage system 660 may be used to read from and write to non-removable, nonvolatile magnetic media (not shown in FIG. 6, commonly referred to as a "hard disk drive"). Although not shown in fig. 6, a magnetic disk drive for reading from and writing to a removable non-volatile magnetic disk (e.g., a "floppy disk"), and an optical disk drive for reading from or writing to a removable non-volatile optical disk (e.g., a CD-ROM, DVD-ROM, or other optical media) may be provided. In such cases, each drive may be coupled to bus 630 through one or more data medium interfaces. Memory 610 may include at least one program product having a set (e.g., at least one) of program modules configured to carry out the functions of the embodiments of the present application.

A program/utility 680 having a set (at least one) of program modules 670 may be stored in, for example, memory 610, such program modules 670 including, but not limited to, an operating system, one or more application programs, other program modules, and program data, each or some combination of which may include an implementation of a network environment. Program modules 670 generally perform the functions and/or methods in the embodiments described herein.

The electronic device 600 may also communicate with one or more external devices 690 (e.g., keyboard, pointing device, display 691, etc.), one or more devices that enable a user to interact with the electronic device 600, and/or any device (e.g., network card, modem, etc.) that enables the electronic device 600 to communicate with one or more other computing devices. Such communication may occur through an input/output (I/O) interface 692. Also, the electronic device 600 may communicate with one or more networks such as a Local Area Network (LAN), a Wide Area Network (WAN) and/or a public network, such as the Internet, through a network adapter 693. As shown, the network adapter 693 communicates with other modules of the electronic device 600 over the bus 630. It should be appreciated that although not shown, other hardware and/or software modules may be used in connection with electronic device 600, including, but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, data backup storage systems, and the like.

The processor 620 executes various functional applications and data processing by running programs stored in the memory 610.

It should be noted that, the implementation process and the technical principle of the electronic device in this embodiment refer to the foregoing explanation of the method for processing the numerical resource in this embodiment, and are not repeated here.

In an exemplary embodiment, a computer readable storage medium is also provided, e.g. a memory, comprising instructions executable by a processor of an electronic device to perform the method of processing a numerical resource as set forth in any of the embodiments above. Alternatively, the computer readable storage medium may be ROM, random Access Memory (RAM), CD-ROM, magnetic tape, floppy disk, optical data storage device, etc.

In an exemplary embodiment, a computer program product is also provided, comprising a computer program/instruction, characterized in that the computer program/instruction, when executed by a processor, implements the method for processing a numerical resource according to any of the above embodiments.

Other embodiments of the present application will be apparent to those skilled in the art from consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the application following, in general, the principles of the application and including such departures from the present disclosure as come within known or customary practice within the art to which the application pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the application being indicated by the following claims.

It is to be understood that the present application is not limited to the precise arrangements and instrumentalities shown in the drawings, which have been described above, and that various modifications and changes may be effected without departing from the scope thereof. The scope of the application is limited only by the appended claims.

Claims

1. A method for processing a numerical resource, the method comprising:

responding to a numerical resource conversion request sent by a client, and acquiring a basic exchange rate corresponding to the current moment according to a target service type, a numerical resource to be converted and a target numerical resource to which a foreign exchange service handled by a target client belongs; the target numerical resource is the numerical resource after the numerical resource to be converted is converted;

determining whether an exchange rate preferential plan exists at the current moment according to at least one of the target service type, the target numerical value resource and a mechanism number corresponding to a first bank; the first bank acts on a bank where the target client is located;

under the condition that the exchange rate preferential plan exists at the current moment, determining a target exchange rate conversion coefficient according to the exchange rate preferential plan;

and converting the value resources to be converted of the first quota based on the basic exchange rate and the target exchange rate conversion coefficient to obtain the target value resources of the corresponding quota.

2. The method of claim 1, wherein the determining a target exchange rate conversion factor according to the exchange rate preference plan comprises:

acquiring at least one corresponding differentiation rule according to the exchange rate preferential plan; the differentiation rules are rules set based on the difference dimension, and corresponding exchange rate floating coefficients are set; the difference dimension comprises at least one of a customer dimension, a region dimension and a channel dimension;

determining whether a first differencing rule matching the target client exists in the at least one differencing rule;

in the case that the first differentiation rule matched with the target client exists in the at least one differentiation rule, the target exchange rate conversion coefficient is determined based on each first differentiation rule.

3. The method of claim 2, wherein the differentiation rules comprise at least one dimension rule; the dimension rule is a rule set based on any child dimension type in the difference dimension;

the determining whether at least one first differencing rule matching the target client exists in the at least one differencing rule includes:

Acquiring client information of the target client; wherein, the customer information comprises customer basic information and customer service information;

for any one of the differentiation rules, matching the dimension rule under the differentiation rule with the client information to determine whether the differentiation rule is matched with the target client;

determining the differentiation rule as the first differentiation rule in case the differentiation rule matches the target client;

and in the case that each of the differencing rules does not match the target client, determining that a first differencing rule matching the target client does not exist in the at least one differencing rule.

4. The method of claim 2, wherein the first differencing rule is configured with a corresponding priority;

the determining the target exchange rate conversion coefficient based on each of the first differentiation rules includes:

determining the target exchange rate conversion coefficient according to the priority and the exchange rate floating coefficient configured by each first differentiation rule; or,

determining a target differentiation rule from each of the first differentiation rules based on the priority of each of the first differentiation rules;

And determining the target exchange rate conversion coefficient based on the exchange rate floating coefficient configured by the target differentiation rule.

5. The method of claim 4, wherein said determining said target rate scaling factor based on said first differential rule configured priority and rate floating factor comprises:

arranging the first differentiation rules according to the corresponding priority from high to low to obtain a sequencing sequence;

and based on the sequencing sequence, carrying out superposition calculation on the exchange rate conversion coefficients sequentially according to the exchange rate floating coefficients configured by the differentiation rules to obtain the target exchange rate conversion coefficients.

6. The method of claim 4, wherein the determining a target differentiation rule from each of the first differentiation rules based on the priority of each of the first differentiation rules comprises:

determining a first differentiation rule with the highest priority in the first differentiation rules as the target differentiation rule; or,

and determining a first differentiation rule with the largest exchange rate floating coefficient in the first differentiation rules as the target differentiation rule.

7. The method according to claim 2, wherein the method further comprises:

And under the condition that the first differencing rule matched with the target client does not exist in the at least one differencing rule, converting the value resource to be converted of the first quota based on the basic exchange rate to obtain the target value resource of the corresponding quota.

8. The method of claim 1, wherein converting the value resources to be converted of the first quota based on the base exchange rate and the target exchange rate conversion coefficient to obtain the target value resources of the corresponding quota comprises:

determining a first exchange rate based on the base exchange rate and the target exchange rate conversion coefficient;

determining whether an upper exchange rate threshold and/or a lower exchange rate threshold exist; wherein the upper threshold of exchange rate is set by the first bank or by a second bank associated with the first bank; the lower threshold of exchange rate is set by the first bank or by a second bank associated with the first bank;

determining a target exchange rate from the upper exchange rate threshold and/or the lower exchange rate threshold and the first exchange rate when the upper exchange rate threshold and/or the lower exchange rate threshold are determined to exist;

And converting the to-be-converted numerical value resource of the first quota based on the target exchange rate to obtain the target numerical value resource of the corresponding quota.

9. The method of claim 8, wherein the method further comprises:

and under the condition that the upper limit threshold value and the lower limit threshold value of the exchange rate do not exist, converting the value resources to be converted of the first quota based on the first exchange rate to obtain the target value resources of the corresponding quota.

10. The method according to any one of claims 1-9, wherein the method further comprises:

and under the condition that the exchange rate preferential plan does not exist at the current moment, converting the value resources to be converted of the first amount based on the basic exchange rate to obtain the target value resources of the corresponding amount.

11. A processing apparatus for a numerical resource, the apparatus comprising: