CN110992028B

CN110992028B - Data processing method and device of sink-changing platform based on block chain network

Info

Publication number: CN110992028B
Application number: CN201911207073.7A
Authority: CN
Inventors: 郭会东; 谢东东; 杨昉
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2019-10-14
Filing date: 2019-10-14
Publication date: 2021-08-10
Anticipated expiration: 2039-10-14
Also published as: CN110992028A; CN110706110A

Abstract

The invention provides a data processing method, a data processing device, electronic equipment and a storage medium of a sink-exchange platform based on a block chain network; the method comprises the following steps: acquiring customer information and currency account information of a bank channel; acquiring fund settlement processing information for exchanging or paying money between currency accounts of the bank channel matched with the customer information; encrypting the fund settlement processing information for exchanging or paying money among the customer information, the currency account information of the bank channel and the currency account of the bank channel by the public key of the target node to form an encrypted data set; and generating a target block based on the client identification, the data authority information and the encrypted data set corresponding to the client, and adding the target block into the block chain network. The invention can support multi-currency accounts and bring great convenience for customers to manage the accounts.

Description

Data processing method and device of sink-changing platform based on block chain network

Description of the cases

This application is based on the application number: 201910972212.9, application date of 10 and 14 in 2019, and the invention name is: chinese patent application for a data processing method, apparatus, device and storage medium based on a swap platform is proposed, and divisional cases are proposed within the scope of the chinese patent application, the entire contents of which are incorporated herein by reference.

Technical Field

The present invention relates to data processing technologies, and in particular, to a data processing method and apparatus for a block chain network-based exchange platform, an electronic device, and a storage medium.

Background

A swap refers to the process of exchanging account funds from one currency (e.g., renminbi) to another currency (e.g., U.S. dollars). The exchange transaction gradually carries out the daily life of people and adapts to the rapid change of the internet era.

Although, one could exchange a currency for another currency through the exchange platform. However, the existing money exchange platform is weak in multi-currency support, or cannot support multi-currency accounts at all, or although multi-currency support, a customer needs to log in different currency accounts, and the customer needs to clearly sense different currency accounts, which brings great inconvenience to the customer to manage the accounts.

Disclosure of Invention

The embodiment of the invention provides a data processing method and device of a block chain network-based exchange platform, electronic equipment and a storage medium, which can support multiple currency accounts and bring great convenience for customers to manage accounts.

The technical scheme of the embodiment of the invention is realized as follows:

the embodiment of the invention provides a data processing method of a sink-change platform based on a block chain network, which comprises the following steps:

acquiring customer information and currency account information of a bank channel;

acquiring fund settlement processing information for exchanging or paying money between currency accounts of the bank channel matched with the customer information;

verifying the client information to determine authority information matched with the client information when the client information is over-verified;

acquiring a public key of a target node matched with the authority information of the client information;

encrypting the fund settlement processing information for exchanging or paying money among the customer information, the currency account information of the bank channel and the currency account of the bank channel by the public key of the target node to form an encrypted data set;

and generating a target block based on the client identification, the data authority information and the encrypted data set corresponding to the client, and adding the target block into the block chain network.

In the above scheme, the obtaining of the money settlement processing information for remittance or remittance between currency accounts of the bank channel matched with the customer information includes:

account registration service is provided for a customer system and a channel system through the money exchange platform, and an account system corresponding to the customer system and an account system corresponding to the channel system are respectively established in the money exchange platform, wherein the account system comprises an external account used for logging in the money exchange platform, an internal account used for fund settlement and a currency account;

providing a log-in service of the exchange platform for customers and/or bank channels based on external accounts in the account system,

determining a currency account corresponding to an associated internal account according to the internal account associated with the remittance transaction or the remittance transaction based on the registered and submitted remittance transaction or the remittance transaction;

and carrying out fund settlement processing of exchange or payment between the client and the currency account numbers of the bank channel.

In the above scheme, the determining the amount due to the customer's own currency according to the standard exchange rate of the exchange and the exchange amount includes:

determining the added rate according to the corresponding relation between the standard rate of exchange and the added rate and the standard rate of exchange;

adding the standard exchange rate of the exchange and the added exchange rate to obtain the total exchange rate of the exchange;

and determining the product of the total exchange rate of the exchange and the exchange amount as the amount due by the customer's home currency.

In the above scheme, the freezing the amount due to the customer's home currency in the customer's home currency account includes:

and inquiring a customer balance account table according to the home currency account number of the customer, and freezing the amount due to the customer home currency in the home currency account number of the customer when determining that the balance of the home currency account number is larger than or equal to the amount due to the customer home currency.

In the above solution, the fund settlement processing for making a payment between the customer and the currency account in the bank channel includes:

determining the currency and the amount of the payment of the client based on the payment transaction submitted by the logged-in external account number;

and deducting the payment amount from the currency account number corresponding to the payment currency of the client, and adding the payment amount to the currency account number of the payment object of the client.

The embodiment of the invention provides a data processing device based on a money transfer platform, which comprises:

the client node module is used for acquiring customer information and currency account information of a bank channel;

the client node module is used for acquiring fund settlement processing information for exchanging or paying money between currency accounts of the bank channel matched with the customer information;

the client node module is used for verifying the client information so as to determine authority information matched with the client information when the client information is over-verified;

the client node module is used for acquiring a public key of a target node matched with the authority information of the client information;

the client node module is used for encrypting the fund settlement processing information for exchanging or paying money among the customer information, the currency account information of the bank channel and the currency account of the bank channel through the public key of the target node to form an encrypted data set;

and the client node module is used for generating a target block based on the client identifier corresponding to the client, the data authority information and the encrypted data set, and adding the target block into the block chain network.

In the above technical solution, the apparatus further includes:

the system comprises a first processing module, a second processing module and a third processing module, wherein the first processing module is used for providing account registration service for a customer system and a channel system through the money exchange platform, and respectively establishing an account system corresponding to the customer system and an account system corresponding to the channel system in the money exchange platform, wherein the account system comprises an external account used for logging in the money exchange platform, an internal account used for settling funds and a currency account;

a determining module for providing the log-in service of the exchange platform for customers and/or bank channels based on the external account in the account system,

and the second processing module is used for carrying out fund settlement processing of exchange or payment between the client and the currency accounts of the bank channel.

In the above technical solution, the first processing module is further configured to receive, by the exchange platform, an account registration request sent by the client system for the account registration service, and determine an external account of the client and a currency to be opened;

determining an internal account number of the customer according to the external account number of the customer;

inquiring a customer account association table according to the internal account number of the customer and the currency account number required to be opened, and establishing a corresponding currency account number in the customer account association table when determining that the corresponding currency account number required to be opened does not exist in the customer account association table so as to establish an account number system corresponding to the customer system in the money exchange platform;

the client account association table comprises corresponding relations between an external account number and an internal account number of a client, at least one currency account number and at least one currency account number.

In the above technical solution, the apparatus further includes:

a first query module, which is used for querying a customer account association table according to the internal account number of the customer and the currency to be opened, when determining that the customer account association table has the account number corresponding to the currency to be opened,

inquiring a customer balance account table according to the internal account of the customer, and establishing the currency account in the customer balance account table when the customer balance account table is determined not to have the currency account which needs to be opened;

the customer balance account table comprises the corresponding relation between the currency account and currency, balance and balance updating time.

In the above technical solution, the first processing module is further configured to receive, by the exchange platform, an account registration request sent by the channel system for the account registration service, and determine an external account of the bank channel and a currency to be opened;

determining an internal account number of the bank channel according to the external account number of the bank channel;

inquiring a bank account association table according to the internal account number of the bank channel and the currency to be opened, and establishing a corresponding currency account number in the bank account association table when determining that the bank account association table does not have the currency account number corresponding to the currency to be opened so as to establish an account number system corresponding to the channel system in the money exchange platform;

the bank account association table comprises a corresponding relation between an external account number and at least one currency account number of an internal account number of a bank channel.

In the above technical solution, the apparatus further includes:

the second query module is used for querying a bank account association table according to the internal account number of the bank channel and the currency to be opened, when the bank account association table is determined to have the account number corresponding to the currency to be opened,

inquiring a bank balance account table according to the internal account of the bank channel, and establishing the currency account in the bank balance account table when the bank balance account table does not have the currency account which is required to be opened;

the bank balance account table comprises the corresponding relation between the currency account and currency, balance and balance updating time.

In the above technical solution, the apparatus further includes:

the first establishing module is used for establishing a fixed income account for recording fixed income during exchange on the exchange platform;

the fixed income account comprises a corresponding relation between a fixed income account number and currency, balance and balance updating time.

In the above technical solution, the apparatus further includes:

the second establishing module is used for establishing a floating profit and loss account for recording floating profit and loss in the remittance platform;

the floating profit and loss account comprises a corresponding relation between the floating profit and loss account number and currency, balance and balance updating time.

In the above technical solution, the second processing module is further configured to determine a money type and an amount of money to be exchanged based on the exchange transaction submitted by the logged-in external account;

determining the amount due to the customer's home currency according to the standard exchange rate of the exchange and the exchange amount, and freezing the amount due to the customer's home currency in the account number of the customer's home currency;

sending the exchange transaction to the channel system, and receiving an exchange result sent by the channel system;

and carrying out fund settlement processing of the exchange between the currency accounts of the customer and the bank channel according to the amount payable of the customer's home currency and the exchange result sent by the channel system.

In the above technical solution, the second processing module is further configured to determine the added rate according to a correspondence between a standard rate of exchange and an added rate of exchange and the standard rate of exchange;

In the above technical solution, the second processing module is further configured to determine a product of the standard exchange rate of the exchange and the exchange amount as a standard amount;

subtracting the amount payable of the customer's home currency from the reference amount to obtain fixed income, and recording the fixed income in a fixed income account of the money exchange platform;

subtracting the actual transaction amount of the money in the exchange result from the reference amount to obtain floating profit and recording the floating profit in a floating profit and loss account of the exchange platform;

deducting the amount due to the customer's home currency from the customer's home currency account number, adding the exchange amount actually exchanged in the exchange result to the customer's exchange currency account number,

and updating the currency account number of the bank channel according to the exchange result.

In the above technical solution, the second processing module is further configured to query a customer balance account table according to the customer's home currency account, and freeze the amount due to the customer's home currency in the customer's home currency account when determining that the balance of the home currency account is greater than or equal to the amount due to the customer's home currency.

In the above technical solution, the second processing module is further configured to determine a money type and an amount of money to be paid of the customer based on a money-paying transaction submitted by the logged-in external account;

In the technical proposal, the device comprises a base,

the client node module is used for receiving data synchronization requests of other mechanism nodes in the block chain network;

the client node module is used for responding to the data synchronization request and verifying the authority of the other mechanism nodes;

and the client node module is used for controlling the current mechanism node and the other mechanism nodes to carry out data synchronization when the authority of the other mechanism nodes passes verification so as to realize that the corresponding nodes in the block chain network acquire the data stored in the target block.

In the technical proposal, the device comprises a base,

the client node module is used for receiving the query request and analyzing the query request to obtain a corresponding client identifier;

the client node module is used for acquiring the authority information of the client information in a target block in the block chain network according to the client identifier;

the client node module is used for verifying the authority information of the client information;

the client node module is used for acquiring a corresponding encrypted data set in the block chain network when the authority information of the client information is matched with the client identifier;

and the client node module is used for responding to the query instruction and pushing the acquired corresponding encrypted data set to the corresponding client.

The embodiment of the invention provides a data processing device of a sink-change platform based on a block chain network, which comprises:

a memory for storing executable instructions;

and the processor is used for realizing the data processing method of the block chain network-based sink-and-exchange platform provided by the embodiment of the invention when the executable instructions stored in the memory are executed.

The embodiment of the invention provides a storage medium, which stores executable instructions and is used for causing a processor to execute the executable instructions so as to realize the data processing method of the block chain network-based sink-exchanging platform provided by the embodiment of the invention.

The embodiment of the invention has the following beneficial effects:

1. the exchange platform is used for respectively establishing an account system corresponding to the customer system and an account system corresponding to the channel system, so that the exchange platform can support multi-currency accounts, and great convenience is brought to customer account management.

2. According to the internal account number associated with the exchange transaction or the payment transaction, the currency account number corresponding to the associated internal account number is determined, and the fund settlement processing of exchange or payment is carried out between the currency account numbers of the customers and the bank channels, so that the fund settlement of exchange or payment can be carried out between the currency account numbers.

Drawings

Fig. 1 is a schematic diagram of an optional application scenario 10 of a data processing method based on a trade-exchange platform according to an embodiment of the present invention;

FIG. 2 is a schematic diagram of an alternative application mode 100 of the data processing method based on the trade-off platform according to the embodiment of the present invention;

FIG. 3 is a schematic structural diagram of a data processing apparatus 500 based on a trade platform according to an embodiment of the present invention;

FIGS. 4A-4D are schematic flow diagrams of a data processing method based on a swap platform according to an embodiment of the present invention

Fig. 5 is a schematic diagram of a class C account system according to an embodiment of the present invention;

fig. 6 is a schematic view of a channel account system according to an embodiment of the present invention;

fig. 7 is a schematic view of a process of creating a class C account according to an embodiment of the present invention;

fig. 8 is a schematic view of a channel account creation process according to an embodiment of the present invention;

fig. 9 is a schematic diagram of a purchase order initiation flow provided by an embodiment of the present invention;

FIG. 10 is a schematic diagram of a purchase remittance process provided by an embodiment of the present invention;

FIG. 11 is a schematic view of a fund flow provided by an embodiment of the present invention;

FIG. 12 is a schematic diagram of a customer purchasing funds initiation provided by an embodiment of the present invention;

fig. 13 is a schematic diagram of a money return fund flow provided by an embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the present invention clearer, the present invention will be further described in detail with reference to the accompanying drawings, the described embodiments should not be construed as limiting the present invention, and all other embodiments obtained by a person of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

In the following description, reference is made to "some embodiments" which describe a subset of all possible embodiments, but it is understood that "some embodiments" may be the same subset or different subsets of all possible embodiments, and may be combined with each other without conflict.

In the description that follows, references to the terms "first", "second", and the like, are intended only to distinguish similar objects and not to indicate a particular ordering for the objects, it being understood that "first", "second", and the like may be interchanged under certain circumstances or sequences of events to enable embodiments of the invention described herein to be practiced in other than the order illustrated or described herein.

Unless defined otherwise, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. The terminology used herein is for the purpose of describing embodiments of the invention only and is not intended to be limiting of the invention.

Before further detailed description of the embodiments of the present invention, terms and expressions mentioned in the embodiments of the present invention are explained, and the terms and expressions mentioned in the embodiments of the present invention are applied to the following explanations.

1) Exchange of money: the process of changing account funds from one currency (e.g., renminbi) to another currency (e.g., U.S. dollars).

2) Paying money: and the fund is paid to another bank account by means of transfer.

3) A exchange platform: a system for providing a remittance service to a customer.

4) Customer: the object of the remittance platform service can be an internal business party (such as cross-border order collection or overseas order collection) or an external merchant (such as an import-export trade facilitator). The account balance of the customer represents the balance of the customer stored in the exchange platform system, and the debt of the exchange platform is represented in the accounting.

5) And (4) channel: also called bank channel, downstream channel, is the downstream service provider that the exchange platform docks. Because the remittance platform has no own fund, the remittance platform can only serve as an agent of the client to submit the remittance request to a downstream channel. The channel is typically a bank, and possibly a foreign exchange transaction facilitator. The account balance of the channel represents the deposit balance of the remittance platform as a main body stored in each downstream channel, and the assets of the remittance platform are represented in the accounting.

6) Physical account/physical funds/physical fund flow: the physical account refers to an account opened by the money transfer platform in a bank, the physical fund refers to the balance in the account, and the physical fund flow refers to the balance change in the account.

7) System account/system funds/system fund flow: the system account is an account recorded in the remittance platform system, the system fund is the balance in the account, and the system fund flow is the balance change in the account; for bank accounts, the physical fund flow and the system fund flow are in one-to-one correspondence, for example, if the balance of an account opened by a money exchange platform in a bank is increased by 100 yuan, the balance of the bank account recorded in the money exchange system is also increased by 100 yuan.

8) And (4) clearing funds: and (3) transferring funds through account balance transfer of all the related parties participating in the foreign exchange transaction in the exchange platform system.

9) The standard exchange rate: a cost exchange rate of the exchange platform when receiving the client exchange request.

10) Fixed yield: in the exchange process, the exchange platform adds the price to the reference exchange rate or adds the income brought by the commission charge.

11) Floating damage and benefit: also called floating loss, due to the difference between the actual trading price of the downstream channel and the platform reference price caused by the exchange rate fluctuation, floating is caused or floating is caused.

12) Blockchain (Blockchain): an encrypted, chained transactional memory structure formed of blocks (blocks).

13) Block chain Network (Blockchain Network): the new block is incorporated into the set of a series of nodes of the block chain in a consensus manner.

The embodiment of the invention provides a data processing method and device based on a money exchange platform, an electronic device and a storage medium, which can support multi-currency accounts and bring great convenience for customers to manage accounts. The following describes an exemplary application of the data processing device based on the exchange platform provided by the embodiment of the present invention, which may be a server, for example, a server deployed in a cloud, and performs a fund settlement process of exchange or payment between currency accounts of a customer and a bank channel according to an exchange transaction or a payment transaction submitted based on login; the system can also be various types of user terminals such as a notebook computer, a tablet computer, a desktop computer, a mobile device (such as a mobile phone and a personal digital assistant) and the like, such as a handheld terminal, and performs fund settlement processing of remittance or payment between currency accounts of customers and bank channels according to remittance transaction or payment transaction submitted based on login, and displays the processing result on a display interface of the handheld terminal so as to realize the interactive process between the handheld terminal and the user.

Referring to fig. 1, fig. 1 is a schematic diagram of an optional application scenario 10 of the data processing method based on a remittance platform according to the embodiment of the present invention, where a terminal 200 is connected to a server 100 through a network 300, and the network 300 may be a wide area network or a local area network, or a combination of both.

The terminal 200 may be used to obtain a login account, for example, when the user logs in the exchange application, the terminal automatically obtains the login account of the user.

In some embodiments, the terminal 200 locally executes the data processing method based on the money transfer platform according to the embodiments of the present invention to perform money transfer or money transfer settlement processing between the currency accounts of the customer and the bank channel according to the money transfer transaction or money transfer transaction submitted based on login, for example, an money transfer Application (APP) is installed on the terminal 200, the money transfer transaction or money transfer transaction submitted by the user after logging in the money transfer APP, the terminal 200 determines the currency account corresponding to the associated internal account according to the internal account associated with the money transfer transaction or money transfer transaction based on the submitted money transfer transaction or money transfer transaction submitted by login, and performs money transfer or money transfer settlement processing between the currency accounts of the customer and the bank channel, and displays the result of money settlement on the display interface 210 of the terminal 200.

The terminal 200 may also send a user-submitted money exchange transaction or money payment transaction to the server 100 via the network 300, and invokes a remittance function provided by the server 100, the server 100 performs fund settlement processing by the data processing method based on the remittance platform provided by the embodiment of the invention, for example, a swap APP is installed on the terminal 200, and after a user logs in the swap APP, the terminal 200 transmits a submitted swap transaction or a bargain transaction to the server 100 through the network 300, the server 100 based on the logged-in submitted swap transaction or bargain transaction, determining a currency account number corresponding to the associated internal account number according to the associated internal account number of the remittance transaction or the payment transaction, and (3) carrying out fund settlement processing of money exchange or money payment between the client and the currency account number of the bank channel, returning a fund settlement result to the money exchange APP, and displaying the fund settlement result on a display interface of the terminal 200.

Referring to fig. 2, fig. 2 is a schematic diagram of an optional application mode 100 of the data processing method based on the exchange platform according to the embodiment of the present invention, which includes a block chain network 400 (exemplarily showing a consensus node 410-1 to a consensus node 410-3), an authentication center 500, a service agent 600, and a service agent 700, which are respectively described below.

The remittance platform may access the blockchain network 400, and the type of the blockchain network 400 is flexible and various, and may be any one of a public chain, a private chain, or a federation chain, for example. Taking a public chain as an example, electronic devices of any service subject, such as the terminal device 200 and the server 300, can access the blockchain network 400 without authorization; taking a federation chain as an example, an electronic device (e.g., terminal device 200/server 300) under the jurisdiction of a service entity after obtaining authorization can access the blockchain network 400, and at this time, becomes a client node in the blockchain network 400.

In some embodiments, the client node may act as a mere watcher of the blockchain network 400, i.e., provide functionality to support the business entity to initiate transactions (e.g., for uplink storage of data or querying of data on the chain), and may be implemented by default or selectively (e.g., depending on the specific business requirements of the business entity) with respect to the functions of the consensus node 410 of the blockchain network 400, such as a ranking function, a consensus service, and an accounting function, etc. Therefore, the data and the service processing logic of the service subject can be migrated to the blockchain network 400 to the maximum extent, and the credibility and traceability of the data and service processing process are realized through the blockchain network 400.

Consensus nodes in blockchain network 400 receive transactions submitted by client nodes from different business entities (e.g., business entity 700 and business entity 600 shown in fig. 2), perform the transactions to update the ledger or query the ledger, and various intermediate or final results of performing the transactions may be returned for display in the client nodes of the business entities. The financial regulatory agency may access the blockchain network 400 (may participate in consensus, or may be only an observation node, that is, only synchronizes the ledger with the consensus node without participating in consensus), thereby performing the regulation according to the ledger.

For example, the client node 610/710 may subscribe to events of interest in the blockchain network 400, such as transactions occurring in a particular organization/channel in the blockchain network 400, and the corresponding transaction notifications are pushed by the consensus node 410 to the client node 610/710, thereby triggering the corresponding business logic in the client node 610/710.

An exemplary application of the blockchain network is described below, taking an example in which a plurality of service entities access the blockchain network to implement the translation.

Referring to fig. 2, a plurality of business entities involved in the management link, for example, the client nodes 610 may be client nodes of a client system corresponding to the terminal 200 in fig. 1, the client nodes 710 may be client nodes of a channel system corresponding to the terminal 200 in fig. 1, the client nodes 610 register with the certificate authority 500 to obtain respective digital certificates, the digital certificates include public keys of the business entities 600 and digital signatures signed by the certificate authority 500 for the public keys and identity information of the business entities 600, and are used to attach to transactions together with the digital signatures of the business entities 600 for the transactions and are sent to the blockchain network, for the blockchain network to take out the digital certificate and signature from the transaction, verify the authenticity of the message (i.e. whether it has not been tampered with) and the identity information of the service entity sending the message, and the blockchain network will verify according to the identity, for example whether it has the right to initiate the transaction. Clients running on electronic devices (e.g., terminals or servers) hosted by the business entity may request access from blockchain network 400 to become client nodes.

The service person of the service agent 600 logs in the client node 610 and inputs a swap or a payment request, the client node 610 generates a transaction corresponding to the update operation/query operation according to the swap or payment request, specifies an intelligent contract to be invoked for implementing the update operation and parameters transferred to the intelligent contract in the transaction, and the transaction also carries a digital certificate of the client node 610 and a signed digital signature (for example, a digest of the transaction is encrypted by using a private key in the digital certificate of the client node 610), and broadcasts the transaction to the consensus node 410 in the blockchain network 400.

When the transaction is received in the consensus node 410 in the blockchain network 400, the digital certificate and the digital signature carried by the transaction are verified, after the verification is successful, whether the service agent 600 has the transaction right or not is determined according to the identity of the service agent 600 carried in the transaction, and the transaction fails due to any verification judgment of the digital signature and the right verification. After successful verification, the node's own digital signature (e.g., encrypted using the private key of node 410-1 to obtain a digest of the transaction) is signed and broadcast on the blockchain network 400.

After receiving the transaction successfully verified, the consensus node 410 in the blockchain network 400 fills the transaction into a new block and broadcasts the new block. When a new block is broadcasted by the consensus node 410 in the block chain network 400, the consensus process is performed on the new block, if the consensus is successful, the new block is added to the tail of the block chain stored in the new block, the state database is updated according to the transaction result, and the transaction in the new block is executed: for a transaction of a submitted funding settlement result, a key-value pair comprising the funding settlement result is added in the status database. Wherein the processing of the fund settlement can be processed by the remittance platform by invoking the intelligent contract deployed in the blockchain network 400, and the intelligent contract stores the fund settlement result to the ledger. When the client system (client node 610) and channel system query (client node 710), the remittance platform queries from the ledger and returns the query results.

Similarly, the business personnel of business entity 700 log in at client node 710 and enter a swap or payment request, i.e., client node 710 is used to swap or pay a request corresponding to the channel system.

It is noted that fig. 2 illustrates an example of direct linking of the fund clearance result, but in other embodiments, for a larger data size of the fund clearance result, the hash of the fund clearance result may be linked in pairs and the original fund clearance result may be stored in a distributed file system or database. After obtaining the funds clearing result from the distributed file system or database, the client node 610/710 may check the result in conjunction with the corresponding hash in the blockchain network 400 to reduce the workload of the uplink operation.

Continuing to describe the structure of the data processing device based on the exchange platform provided by the embodiment of the present invention, the data processing device based on the exchange platform may be various terminals, such as a mobile phone, a computer, and the like, or may be the server 100 shown in fig. 1.

Referring to fig. 3, fig. 3 is a schematic structural diagram of a data processing apparatus 500 based on a swap platform according to an embodiment of the present invention, where the data processing apparatus 500 based on a swap platform shown in fig. 3 includes: at least one processor 510, memory 550, at least one network interface 520, and a user interface 530. The various components in artificial intelligence based text recommendation device 500 are coupled together by bus system 540. It is understood that the bus system 540 is used to enable communications among the components. The bus system 540 includes a power bus, a control bus, and a status signal bus in addition to a data bus. For clarity of illustration, however, the various buses are labeled as bus system 540 in fig. 2.

The Processor 510 may be an integrated circuit chip having Signal processing capabilities, such as a general purpose Processor, a Digital Signal Processor (DSP), or other programmable logic device, discrete gate or transistor logic device, discrete hardware components, or the like, wherein the general purpose Processor may be a microprocessor or any conventional Processor, or the like.

The user interface 530 includes one or more output devices 531 enabling presentation of media content, including one or more speakers and/or one or more visual display screens. The user interface 530 also includes one or more input devices 532, including user interface components to facilitate user input, such as a keyboard, mouse, microphone, touch screen display, camera, other input buttons and controls.

The memory 550 may comprise volatile memory or nonvolatile memory, and may also comprise both volatile and nonvolatile memory. The non-volatile Memory may be a Read Only Memory (ROM), and the volatile Memory may be a Random Access Memory (RAM). The memory 550 described in connection with embodiments of the invention is intended to comprise any suitable type of memory. Memory 550 optionally includes one or more storage devices physically located remote from processor 510.

In some embodiments, memory 550 can store data to support various operations, examples of which include programs, modules, and data structures, or subsets or supersets thereof, as exemplified below.

An operating system 551 including system programs for processing various basic system services and performing hardware-related tasks, such as a framework layer, a core library layer, a driver layer, etc., for implementing various basic services and processing hardware-based tasks;

a network communication module 552 for communicating to other computing devices via one or more (wired or wireless) network interfaces 520, exemplary network interfaces 520 including: bluetooth, wireless compatibility authentication (WiFi), and Universal Serial Bus (USB), etc.;

a display module 553 for enabling presentation of information (e.g., a user interface for operating peripherals and displaying content and information) via one or more output devices 531 (e.g., a display screen, speakers, etc.) associated with the user interface 530;

an input processing module 554 to detect one or more user inputs or interactions from one of the one or more input devices 532 and to translate the detected inputs or interactions.

In some embodiments, the data processing apparatus based on a sink-change platform provided in the embodiments of the present invention may be implemented by combining hardware and software, and as an example, the data processing apparatus based on a sink-change platform provided in the embodiments of the present invention may be a processor in the form of a hardware decoding processor, which is programmed to execute the data processing method based on a sink-change platform provided in the embodiments of the present invention, for example, the processor in the form of a hardware decoding processor may employ one or more Application Specific Integrated Circuits (ASICs), DSPs, Programmable Logic Devices (PLDs), Complex Programmable Logic Devices (CPLDs), Field Programmable Gate Arrays (FPGAs), or other electronic elements.

In other embodiments, the data processing apparatus based on a swap platform provided in the embodiments of the present invention may be implemented in software, and fig. 3 illustrates the data processing apparatus 555 based on a swap platform, which may be software in the form of programs and plug-ins, stored in the memory 550, and includes a series of modules, including a first processing module 5551, a determining module 5552, a second processing module 5553, a first querying module 5554, a second querying module 5555, a first establishing module 5556, and a second establishing module 5557; the first processing module 5551, the determining module 5552, the second processing module 5553, the first querying module 5554, the second querying module 5555, the first establishing module 5556, and the second establishing module 5557 are used to implement the data processing method based on the swap platform provided by the embodiment of the present invention.

The data processing method based on the exchange platform provided by the embodiment of the invention is described below by combining with the exemplary application and implementation of the terminal provided by the embodiment of the invention. Referring to fig. 4A, fig. 4A is a schematic flowchart of a data processing method based on a swap platform according to an embodiment of the present invention, which is described with reference to the steps shown in fig. 4A.

In step 101, account registration service is provided to the customer system and the channel system through the exchange platform, and an account system corresponding to the customer system and an account system corresponding to the channel system are respectively established in the exchange platform.

The account system comprises an external account used for logging in the money exchange platform, an internal account used for fund settlement and a currency account. In order to provide a plurality of currency accounts for a customer or a bank channel, account registration service needs to be provided for a customer system and a channel system through a money exchange platform, and an account system corresponding to the customer system and an account system corresponding to the channel system are respectively established in the money exchange platform through the registration service.

In some embodiments, providing account registration service to a client system through a money transfer platform, and establishing an account system corresponding to the client system in the money transfer platform includes: the exchange platform receives an account registration request sent by a client system aiming at account registration service, and determines an external account of a client and a currency to be opened; determining an internal account number of a customer according to an external account number of the customer; and inquiring a customer account association table according to the internal account number of the customer and the currency number to be opened, and establishing a corresponding currency account number in the customer account association table when determining that the corresponding currency account number to be opened does not exist in the customer account association table so as to establish an account number system corresponding to a customer system in the money exchange platform.

The client account association table comprises corresponding relations between an external account number and an internal account number of a client, at least one currency account number and at least one currency account number. After the exchange platform provides account registration service for the client system, a client can register according to the account registration service of the client system and send an account registration request sent by the client system aiming at the account registration service to the exchange platform, and after the exchange platform receives the account registration request, the external account of the client and the currency required to be opened can be determined, wherein the external account of the client is the account (the account visible to the client) registered by the client, and all the currency accounts of one client share one external account, so that the condition that a plurality of currency accounts of one client correspond to a plurality of login accounts is avoided. After the external account number of the customer is determined, the internal account number of the customer can be determined, a customer account association table is inquired according to the internal account number of the customer and the currency number required to be opened, and when the fact that the corresponding currency account number required to be opened does not exist in the customer account association table is determined, a corresponding currency account number is established in the customer account association table, namely, the corresponding relation between the external account number of the customer and the internal account number, at least one currency number and at least one currency account number is established, so that an account number system corresponding to a customer system is established in a money exchange platform. In addition, the client account association table is inquired according to the internal account number of the client and the currency number to be opened, and when the fact that the corresponding currency account number to be opened does not exist in the client account association table is determined, the corresponding currency account number is established in the client account association table, so that the situation that the same client repeatedly establishes a plurality of same currency account numbers can be avoided.

In some embodiments, a customer account association table is inquired according to an internal account number of a customer and a currency to be opened, when the customer account association table is determined to have the corresponding currency account number to be opened, a customer balance account table is inquired according to the internal account number of the customer, and when the customer balance account table is determined not to have the corresponding currency account number to be opened, a currency account number is established in the customer balance account table; the customer balance account table comprises corresponding relations of currency account numbers, currency, balance and balance updating time.

When the corresponding currency account number which needs to be opened exists in the customer account association table, the corresponding currency account number does not need to be established in the customer account association table. But the customer balance account table needs to be inquired, whether a currency account needs to be established in the customer balance account table is determined, and when the customer balance account table is determined to have no corresponding currency account needing to be opened, the currency account is established in the customer balance account table, namely, the corresponding relation between the currency account and currency, balance and balance updating time is established. And the balance in the initial state is 0.

In some embodiments, the method for providing account registration service to a channel system through a money transfer platform and establishing an account system corresponding to the channel system in the money transfer platform includes: the exchange platform receives an account registration request sent by a channel system aiming at account registration service, and determines an external account of a bank channel and a currency to be opened; determining an internal account number of a bank channel according to an external account number of the bank channel; and inquiring a bank account association table according to the internal account number of the bank channel and the currency to be opened, and establishing a corresponding currency account number in the bank account association table when determining that the corresponding currency account number to be opened does not exist in the bank account association table so as to establish an account number system corresponding to the channel system in the money exchange platform.

The bank account association table comprises a corresponding relation between an external account number and at least one currency account number of an internal account number of a bank channel. After the exchange platform provides account registration service for the channel system, the bank channel can register according to the account registration service of the channel system, and sends an account registration request sent by the channel system aiming at the account registration service to the exchange platform, and after the exchange platform receives the account registration request, the external account of the bank channel and the currency to be opened can be determined, wherein the external account of the bank channel is the registered account of the bank channel (the visible account of the bank channel), and all the currency accounts of one bank channel share one external account, so that the situation that a plurality of currency accounts of one bank channel correspond to a plurality of login accounts is avoided. After the external account number of the bank channel is determined, the internal account number of the bank channel can be determined, a channel account association table is inquired according to the internal account number of the bank channel and the currency number to be opened, and when the channel account association table is determined to have no corresponding currency account number to be opened, a corresponding currency account number is established in the channel account association table, namely, the corresponding relation between the external account number of the bank channel and the internal account number, at least one currency account number and at least one currency account number is established, so that an account number system corresponding to a channel system is established in a money exchange platform. In addition, the channel account association table is inquired according to the internal account number of the bank channel and the currency to be opened, and when the channel account association table is determined to have no corresponding currency account number to be opened, the corresponding currency account number is established in the channel account association table, so that the situation that the same bank channel repeatedly establishes a plurality of same currency account numbers can be avoided.

In some embodiments, a bank account association table is inquired according to an internal account number of a bank channel and a currency to be opened, when the bank account association table is determined to have the corresponding currency account number to be opened, a bank balance account table is inquired according to the internal account number of the bank channel, and when the bank balance account table is determined not to have the corresponding currency account number to be opened, a currency account number is established in the bank balance account table; the bank balance account table comprises corresponding relations of currency account numbers, currency, balance and balance updating time.

When the bank account association table is determined to have the corresponding currency account number which needs to be opened, the corresponding currency account number does not need to be established in the bank account association table. But the bank balance account table needs to be inquired, whether a currency account needs to be established in the bank balance account table is determined, and when the bank balance account table is determined to have no corresponding currency account needing to be opened, a currency account is established in the bank balance account table, namely, the corresponding relation between the currency account and currency, balance and balance updating time is established. And the balance in the initial state is 0.

In step 102, a login service of a money transfer platform is provided for a customer and/or a bank channel based on an external account number in an account number system, and a currency account number corresponding to an associated internal account number is determined according to an internal account number associated with the money transfer transaction or the money transfer transaction based on the login submitted money transfer transaction or money transfer transaction.

After account systems corresponding to the customer system and the channel system are respectively established in the exchange platform, the customer and/or the bank channel can provide login services of the exchange platform for the customer and/or the bank channel based on external accounts in the account systems for login. After the customer and/or the banking channel logs in the corresponding external account number, for example, in the money exchange APP, the corresponding money exchange transaction or money payment transaction may be entered in the input interface, for example, money exchange may be performed by rmb to buy $ 50. After the exchange transaction or the payment transaction is submitted by the customer and/or the bank channel, the exchange transaction or the payment transaction can be sent to the exchange platform, and the exchange platform can determine the currency account corresponding to the associated internal account according to the internal account associated with the exchange transaction or the payment transaction so as to carry out fund clearing according to the currency account in the following process.

In step 103, a fund settlement process for remittance or payment is performed between the customer and the currency account numbers of the bank channel.

After the money exchange platform determines the currency account number corresponding to the associated internal account number according to the internal account number associated with the money exchange transaction or the money payment transaction, money settlement processing of money exchange or money payment can be carried out between the currency account numbers of the customers and the bank channels.

Referring to fig. 4B, fig. 4B is an optional flowchart diagram provided in an embodiment of the present invention, and in some embodiments, fig. 4B illustrates that step 103 may be implemented by steps 1031 to 1034 illustrated in fig. 4B.

In step 1031, the money transfer currency and the money transfer amount are determined based on the transfer transaction submitted by the logged-in external account.

After a client and/or a bank channel logs in a corresponding external account, for example, after the external account is logged in an exchange APP, a corresponding exchange transaction or a corresponding payment transaction can be input in an input interface, the exchange transaction or the payment transaction is sent to an exchange platform, and the exchange platform analyzes the exchange transaction or the payment transaction, determines an exchange currency and an exchange amount so as to clear funds of the exchange transaction.

In step 1032, the amount due to the customer's home currency is determined according to the standard exchange rate of the exchange and the exchange amount, and the amount due to the customer's home currency in the account number of the customer's home currency is frozen.

After the money exchange platform determines the money exchange type and the money exchange amount, the money exchange platform can obtain the current standard exchange rate of the money exchange, determine the amount due to the client's own money according to the current standard exchange rate and the money exchange amount of the money exchange, freeze the amount due to the client's own money in the account number of the client's own money type, and avoid the client occupying the amount due to the own money through other money exchange transactions or money payment transactions.

In some embodiments, determining the amount due in the customer's currency based on the baseline exchange rate for the exchange and the exchange amount comprises: determining the added rate according to the corresponding relation between the standard rate of exchange and the added rate and the standard rate of exchange; adding the standard exchange rate of the exchange and the added exchange rate to obtain the total exchange rate of the exchange; and determining the product of the total exchange rate of the exchange and the exchange amount as the amount due by the customer's home currency.

The standard exchange rate of the exchange and the corresponding relation of the added rate can be preset in the exchange platform, for example, the standard exchange rate can be in a direct proportion relation with the added rate or in an inverse proportion relation with the added rate, so that the added rate is determined according to the corresponding relation of the standard exchange rate of the exchange and the added rate and the standard exchange rate of the exchange. The user can also preset the added price exchange rate on the exchange platform, and the added price exchange rate is a fixed value set by the user. And adding the standard exchange rate of the exchange and the added exchange rate to obtain the total exchange rate of the exchange, and determining the product of the total exchange rate of the exchange and the exchange amount as the amount due by the currency of the client so as to obtain the amount due by the currency of the client.

In some embodiments, freezing the amount due in the customer's home currency account comprises: and inquiring a customer balance account table according to the coin account number of the customer, and freezing the amount due to the customer coin in the coin account number of the customer when the balance of the coin account number is determined to be larger than or equal to the amount due to the customer coin.

After the money exchange platform determines the amount due to the client's home currency, the money amount due to the client's home currency in the client's home currency account can be frozen only when the balance of the home currency account is determined to be greater than or equal to the amount due to the client's home currency. And when the balance of the coin account is determined to be less than the sum payable of the user, generating prompt information for prompting the user that the balance of the account is insufficient, wherein the prompt information comprises the balance of the coin account and the sum payable of the coin of the client so as to prompt the client to recharge.

In step 1033, the trade transactions are sent to the channel system and the trade results sent by the channel system are received.

And after the money amount due by the currency is determined by the money exchange platform, the money exchange transaction needs to be sent to a channel system, wherein the money exchange transaction comprises the money type and the money amount. And the channel system exchanges the money according to the money exchange transaction and sends the money exchange result to the money exchange platform.

In step 1034, the fund settlement process of the money exchange between the money accounts of the customer and the bank channel is performed according to the amount payable by the customer's own money and the money exchange result sent by the channel system.

After the money exchange platform receives the money exchange result sent by the channel system, the money settlement processing of the money exchange between the client and the currency account of the bank channel can be carried out according to the amount payable of the client's own money and the money exchange result sent by the channel system. For example, the customer's home currency account in the exchange platform is deducted 100 RMB and added with 12 dollars, and the bank channel's home currency account in the exchange platform is deducted 90 RMB and added with 12 dollars.

In some embodiments, a process for settlement of funds for a payment between a customer and a currency account number in a banking channel includes: determining the currency and the amount of the payment of the client based on the payment transaction submitted by the logged-in external account; the money amount is deducted from the money account corresponding to the money type of the client, and the money amount is added to the money account of the client.

And analyzing the submitted money payment transaction, determining the money payment type and money payment amount of the client, directly deducting the money payment amount from the money account number corresponding to the money payment type of the client, and adding the money payment amount to the money account number of the client.

In some embodiments, referring to fig. 4C, fig. 4C is an optional flowchart of the data processing method based on the exchange platform according to the embodiment of the present invention, based on fig. 4C, in step 104, a fixed revenue account for recording fixed revenue during exchange is established in the exchange platform; the fixed income account comprises a corresponding relation between a fixed income account number and currency, balance and balance updating time.

Wherein, the steps 104 and 101-103 have no obvious sequence. The fixed income account which is established on the exchange platform and used for recording the fixed income during exchange is similar to the customer balance account table and the bank balance account table, and the fixed income account comprises the corresponding relation between currency account numbers and currency, balance and balance updating time. The fixed income account is used for recording fixed income generated by the trading platform in a pricing mode.

In some embodiments, referring to fig. 4D, fig. 4D is an optional flowchart of the data processing method based on the swap platform according to the embodiment of the present invention, based on fig. 4D, in step 105, a floating profit-and-loss account for recording floating profit-and-loss during swap is established on the swap platform; the floating profit and loss account comprises the corresponding relation between the floating profit and loss account number and currency, balance and balance updating time.

Wherein, the steps 105 and 101-103 have no obvious sequence. The floating profit and loss account established on the exchange platform for recording the profit and loss during the exchange is similar to the customer balance account table and the bank balance account table, and the floating profit and loss account comprises the corresponding relation between the currency account number and the currency, balance and balance updating time. The floating profit-and-loss account is used for recording profit-and-loss generated by exchange rate fluctuation so as to increase income and facilitate follow-up statistics.

In some embodiments, after the fixed income account and the floating profit-and-loss account are established by the exchange platform, the fund settlement processing for exchanging between the currency accounts of the customer and the bank channel according to the amount payable by the currency of the customer and the exchange result sent by the channel system comprises: determining the product of the standard exchange rate of the exchange and the exchange amount as a standard amount; subtracting the amount payable of the customer's home currency from the reference amount to obtain fixed income, and recording the fixed income in a fixed income account of the exchange platform; subtracting the actual transaction amount of the money in the exchange result from the reference amount to obtain floating profit and recording the floating profit and loss in a floating profit and loss account of the exchange platform; deducting the amount due to the client's own currency from the client's currency account number, adding the actual exchange amount in the exchange result to the client's exchange currency account number, and updating the currency account number of the bank channel according to the exchange result.

After the product of the standard exchange rate of the exchange and the exchange amount is determined as the standard amount, the amount payable by the customer's own currency and the standard amount can be subtracted to obtain the fixed income, and the fixed income is recorded in the fixed income account established by the exchange platform. And subtracting the actual transaction amount of the money in the exchange result from the reference amount to obtain floating profit and recording the floating profit in a floating profit and loss account established by the exchange platform. And deducting the amount due to the client's own currency from the client's own currency account, adding the actual exchange amount in the exchange result to the client's exchange currency account, and updating the currency account of the bank channel according to the exchange result, thereby realizing the fund settlement.

Now, with reference to the data processing method based on the swap platform and the exemplary application in the data processing apparatus based on the swap platform provided in the embodiment of the present invention, the following description continues to describe how each module in the data processing apparatus 555 based on the swap platform provided in the embodiment of the present invention cooperates to implement the data processing scheme based on the swap platform.

The first processing module 5551 is configured to provide account registration services to a client system and a channel system through the money transfer platform, and establish an account system corresponding to the client system and an account system corresponding to the channel system in the money transfer platform, where the account systems include an external account for logging in the money transfer platform, an internal account for settling funds, and a currency account;

a determining module 5552, configured to provide a login service of the money transfer platform for a customer and/or a bank channel based on an external account in the account system, and determine a currency account corresponding to an associated internal account according to an internal account associated with the money transfer transaction or the money transfer transaction based on a money transfer transaction or a money transfer transaction submitted by login;

a second processing module 5553, configured to perform a fund settlement process for remittance or payment between the customer and the currency account numbers of the bank channel.

In the above technical solution, the first processing module 5551 is further configured to receive, by the exchange platform, an account registration request sent by the client system for the account registration service, and determine an external account of the client and a currency to be opened; determining an internal account number of the customer according to the external account number of the customer; inquiring a customer account association table according to the internal account number of the customer and the currency account number required to be opened, and establishing a corresponding currency account number in the customer account association table when determining that the corresponding currency account number required to be opened does not exist in the customer account association table so as to establish an account number system corresponding to the customer system in the money exchange platform; the client account association table comprises corresponding relations between an external account number and an internal account number of a client, at least one currency account number and at least one currency account number.

In the above technical solution, the data processing apparatus 555 based on the swap platform further includes:

a first query module 5554, configured to query a customer account association table according to the internal account number of the customer and the currency to be opened, query a customer balance account table according to the internal account number of the customer when it is determined that the customer account association table has the currency account number corresponding to the currency to be opened, and establish the currency account number in the customer balance account table when it is determined that the customer balance account table does not have the currency account number corresponding to the currency to be opened; the customer balance account table comprises the corresponding relation between the currency account and currency, balance and balance updating time.

In the above technical solution, the first processing module 5551 is further configured to enable the money exchange platform to receive an account registration request sent by the channel system for the account registration service, and determine an external account of the bank channel and a currency to be opened; determining an internal account number of the bank channel according to the external account number of the bank channel; inquiring a bank account association table according to the internal account number of the bank channel and the currency to be opened, and establishing a corresponding currency account number in the bank account association table when determining that the bank account association table does not have the currency account number corresponding to the currency to be opened so as to establish an account number system corresponding to the channel system in the money exchange platform; the bank account association table comprises a corresponding relation between an external account number and at least one currency account number of an internal account number of a bank channel.

a second query module 5555, configured to query a bank account association table according to the internal account number of the bank channel and the currency to be opened, and when it is determined that the bank account association table has the currency account number corresponding to the currency to be opened, query a bank balance account table according to the internal account number of the bank channel, and when it is determined that the bank balance account table does not have the currency account number corresponding to the currency to be opened, establish the currency account number in the bank balance account table; the bank balance account table comprises the corresponding relation between the currency account and currency, balance and balance updating time.

a first establishing module 5556, configured to establish a fixed revenue account for recording fixed revenue at the time of exchange at the exchange platform; the fixed income account comprises a corresponding relation between a fixed income account number and currency, balance and balance updating time.

a second establishing module 5557, configured to establish a floating profit-and-loss account on the swap platform for recording floating profit-and-loss during swap; the floating profit and loss account comprises a corresponding relation between the floating profit and loss account number and currency, balance and balance updating time.

In the above technical solution, the second processing module 5553 is further configured to determine a money type and an amount of money to be exchanged based on the exchange transaction submitted by the logged-in external account; determining the amount due to the customer's home currency according to the standard exchange rate of the exchange and the exchange amount, and freezing the amount due to the customer's home currency in the account number of the customer's home currency; sending the exchange transaction to the channel system, and receiving an exchange result sent by the channel system; and carrying out fund settlement processing of the exchange between the currency accounts of the customer and the bank channel according to the amount payable of the customer's home currency and the exchange result sent by the channel system.

In the above technical solution, the second processing module 5553 is further configured to determine an exchange rate according to a correspondence between a standard exchange rate of the exchange and an exchange rate of an additional price, and the standard exchange rate of the exchange; adding the standard exchange rate of the exchange and the added exchange rate to obtain the total exchange rate of the exchange; and determining the product of the total exchange rate of the exchange and the exchange amount as the amount due by the customer's home currency.

In the above technical solution, the second processing module 5553 is further configured to determine a product of the standard exchange rate of the exchange and the exchange amount as a standard amount; subtracting the amount payable of the customer's home currency from the reference amount to obtain fixed income, and recording the fixed income in a fixed income account of the money exchange platform; subtracting the actual transaction amount of the money in the exchange result from the reference amount to obtain floating profit and recording the floating profit in a floating profit and loss account of the exchange platform; deducting the amount due to the client's home currency in the client's home currency account, adding the actual exchange amount in the exchange result in the client's exchange currency account, and updating the currency account of the bank channel according to the exchange result.

In the above technical solution, the second processing module 5553 is further configured to query a customer balance account table according to the customer's home currency account, and when it is determined that the balance of the home currency account is greater than or equal to the amount due to the customer's home currency, freeze the amount due to the customer's home currency in the customer's home currency account.

In the above technical solution, the second processing module 5553 is further configured to determine a money type and an amount of money of the customer based on a money payment transaction submitted by the logged-in external account; and deducting the payment amount from the currency account number corresponding to the payment currency of the client, and adding the payment amount to the currency account number of the payment object of the client.

In the following, an exemplary application of the embodiments of the present invention in a practical application scenario will be described.

Firstly, the related technical scheme is weak in multi-currency support, or cannot support multi-currency accounts at all, or although multi-currency support is realized, a customer needs to log in different currency accounts, and the customer can clearly perceive the different currency accounts, so that great inconvenience is brought to the customer for managing the accounts. Secondly, the system bottom account of the related technical scheme can not be flexibly configured, can not create different currency accounts aiming at different customers and different channels, and can not adapt to the rapid change of the internet era. Finally, the related technical scheme is more biased to a proxy mode of collecting and paying instead, and only can be used as an intermediate proxy channel, so that the profit and the loss brought by the exchange transaction cannot be accurately distinguished, or a certain commission charge can be charged to a client exchange platform only by means of a commission charge account, the characteristics of premium and fluctuation of a foreign exchange market cannot be flexibly utilized, further more profits cannot be brought to a system operator, and subsequent statistical work cannot be carried out.

The embodiment of the invention provides a foreign exchange transaction bottom-layer account system supporting multiple accounts and multiple currencies and a fund clearing method. First, multiple clients are allowed to access the system (the number of clients is not limited); and secondly, by establishing the incidence relation between the customer number and the system account of the money exchange platform, the customer is allowed to open multiple money accounts in the system of the money exchange platform, and the customer does not need to sense account numbers of different money types, so that the account number management burden of the customer is simplified. In addition, the system of the exchange platform can be accessed into a plurality of bank channels to serve as downstream service providers of the exchange platform, and each bank channel also supports flexible account opening of multiple currencies. And the system of the money exchange platform combines a compound accounting method in accounting to clear the funds, ensures the clearness and verifiability of the fund flow of the system account, and ensures the safety of the account funds. Finally, by setting up fixed income and floating profit-and-loss accounts, the system of the exchange platform can clearly record the income brought by each transaction in the exchange process.

The embodiment of the invention can be specifically applied to the following scenes:

(1) transaction service of buying money: taking the exchange platform as an example, the exchange platform can be accessed to the customer and downstream channels, and a basic bottom account system is provided. The exchange platform can access a plurality of customers and downstream channels by using an account system, and the number of the exchange platform is not limited; meanwhile, different currency accounts can be flexibly established for the customers and the channels according to the actual needs of the customers and the actual support capability of the channels. Further, a profit and loss account of the exchange platform can be created for recording profit and loss in exchange transaction.

(2) Collecting and paying service: compared with the current single-currency (for example, RMB) collection and payment system, the account system of the embodiment of the invention can support multi-currency collection and payment service, thereby bringing more commercial application scenes for service expansion.

(3) An asset management system: in internationalized enterprises, multi-currency asset management is a rigid demand. Therefore, the account system in the embodiment of the invention can provide support for asset management requirements, and record and manage multi-currency and multi-type assets.

The implementation scheme of the account system of the embodiment of the invention comprises the following steps: 1) classifying the account; 2) account key information; 3) an account association method; 4) an account system integral legend; 5) an account creation flow diagram. The method comprises the following specific steps:

1) account classification

First, from accounting, accounts are classified into two types according to attributes:

A) liability category: namely a customer account, and stores the balance information of the customer in the exchange platform system. For example, if a certain customer recharges Renminbi 100 Yuan in the money exchange platform system, the balance of the Renminbi account of the customer is increased by 100 Yuan, and the 100 Yuan is recorded as the liability of the money exchange platform.

B) Asset class: namely a channel account, and stores the balance information of the channel in the exchange platform system. For example, a company provides 100 yuan RMB starting funds for the money exchange platform, and the RMB starting funds are stored in a certain bank, the balance of the RMB account of the certain bank is increased by 100 yuan, and the 100 yuan is marked as the asset of the money exchange platform.

Corresponding to the remittance platform system, the liability account can be named as a C account, and the asset account can be named as a bank account. Wherein, the customer opens the C account, and the downstream channel opens the bank account. Meanwhile, a class C account can be opened for fixed income and floating profit and loss generated in the exchange process respectively for recording profit and loss generated in the exchange process. For example, the following types of accounts exist in the trading platform system, as shown in table 1:

TABLE 1

There may be multiple banks and customers in the exchange platform, but there is only one fixed income account and one floating profit and loss account.

2) Account key information

A system account of a customer or channel bank is used to record the balance of the customer or channel bank in the system of the exchange platform, and the key information is shown in table 2:

TABLE 2

3) Account association method

The embodiment of the invention can create the system accounts of a plurality of currencies for the client, but the client does not need to record the specific accounts of the plurality of currencies, thereby leading the client to manage as simply as possible. Customer management is achieved by establishing an association relationship between a customer and a system account, for example, a certain customer M, the following operations can be performed:

(1) allocating a client external account number spid for a client M, and logging in and inquiring account balance information in a system by the client M through the spid;

(2) for convenience of internal management, a client internal account uid can be created for each spid, and the uid is invisible to the client M;

(3) the association relationship between the customer and each currency account is managed by using a customer account association table. The key information of the customer account association table is shown in table 3:

TABLE 3

Meanwhile, the incidence relation of each account of each channel in the system can be recorded. Channel management is realized by establishing an incidence relation between a channel and a system account, and the following operations can be carried out:

(1) distributing a channel external account number bank _ type for each channel, and distinguishing each channel through the bank _ type by the channel to perform account management;

(2) for convenience of internal management, a channel internal account uid can be created for each bank _ type, and the uid is invisible to the channel;

(3) a channel association table is used to manage the association between channels and currency accounts. The key information of the channel account association table is shown in table 4:

TABLE 4

4) Account System Overall figure

As described above, the overall account system can be described as follows, wherein the overall account is divided into a class C account system and a channel account system:

as shown in fig. 5, fig. 5 is a schematic diagram of a class C account system provided by the embodiment of the present invention, where the class C account includes a customer and also includes a revenue account of the exchange platform (the revenue account may be regarded as an internal customer). Each customer can open a plurality of currency accounts, and the customer number is associated with the system account number through key elements such as currency and the like.

As shown in fig. 6, fig. 6 is a schematic view of a channel account system according to an embodiment of the present invention, where channel accounts are downstream channel accounts. A plurality of currency accounts can be opened for each channel, and the channel number is associated with the system account number through key elements such as currency and the like.

5) Account creation flow chart

The account creation also distinguishes between a class C account and a channel account, and the specific flow is shown in fig. 7-8, fig. 7 is a schematic view of a class C account creation flow provided in the embodiment of the present invention, and fig. 8 is a schematic view of a channel account creation flow provided in the embodiment of the present invention.

In the foreign exchange transaction, a system of the exchange platform accepts a client request, and after the exchange is completed, system fund clearing is needed.

First, the trade-in transaction is implemented as follows:

1. accepting a client request, namely, the client appoints to buy and sell the currency and buy the foreign currency amount;

2. the method comprises the steps of quoting a customer according to a market benchmark price plus a fixed added price, calculating the amount of a home currency which is paid by the customer, and freezing the amount of the home currency of the customer;

3. submitting a customer request to a bank channel, wherein the customer request comprises money to be bought and sold and the amount of the foreign currency to be bought;

4. the bank channel returns the result of the money purchase, wherein the result comprises the actual exchange rate and the actual money deduction amount;

5. calculating fixed income and floating profit according to the amount of quoted price for the customer, the amount of the system benchmark price and the actual channel bargaining amount, wherein the calculation formula is as follows:

fixed income (coin) = quoted amount to customer-system benchmark price calculation amount (1)

Floating profit (coin) = benchmark price calculation amount-channel actual transaction amount (2)

Wherein the content of the first and second substances,

offer sum to customer = customer assigned buy sum to customer offered exchange rate (3)

Base price calculation amount = customer assigned purchase amount:systembase exchange rate (4)

6. And transferring the amount of money among the accounts according to the calculated amount of money.

Wherein, step 1-2 is the initiation of the purchase of the exchange, and step 4-6 is the purchase of the exchange, as shown in fig. 9-10, fig. 9 is a schematic diagram of the process of initiating the purchase of the exchange provided by the embodiment of the present invention, and fig. 10 is a schematic diagram of the process of providing the purchase of the exchange provided by the embodiment of the present invention.

Taking customer initiated (RMB) CNY- > (US dollar) USD purchase transfer request (i.e. customer requests to exchange CNY for USD, other currencies are the same) as an example, the fund clearing flow is described as follows:

(1) first, the customer charges the money amount in advance on the exchange platform. The specific implementation mode is that the customer transfers the money of the home currency to a bank account designated by the exchange platform through offline transfer and other modes, and the exchange platform charges the customer account (namely, adds balance to the home currency account of the customer in the system) after confirming the transfer, as shown in fig. 11, fig. 11 is a fund flow diagram provided by the embodiment of the invention.

(2) In the client purchase-to-exchange initiation request phase, it is assumed that the client request and market benchmark exchange rate parameters are shown in table 5:

TABLE 5

After the price is added, the customer rmb needs to be frozen by 100 yuan, as shown in fig. 12, fig. 12 is a schematic diagram of the customer who purchases a money to initiate a fund according to the embodiment of the present invention. In the purchase-exchange initiating stage, no physical bank account change is involved, so that only system fund flow is involved, and no physical fund flow exists.

(3) The order remittance phase assumes the actual transaction results are shown in table 6:

TABLE 6

As can be seen from table 6, since the actual transaction rate is different from the transaction rate at the time of initiating the transaction purchase, the actual transaction amount is not consistent with the reference amount, and further floating profit and loss are generated; meanwhile, when the client purchases and initiates the exchange, the exchange platform carries out exchange rate pricing on the client, so that fixed income can be generated. The final fund flow is shown in fig. 13, and fig. 13 is a schematic diagram of the fund flow of the money remittance provided by the embodiment of the present invention. In the physical fund flow, after the bank finishes purchasing the money, a deduction of CNY 90 yuan and an increase of USD 12 yuan are recorded in a physical account of the money exchange platform. In the system fund flow, the account change of the bank system corresponds to the physical account change, and meanwhile, the settlement between the C-type account and the income account of the customer is realized.

In the above scheme, CNY is sold and USD is bought only by way of example, and the scheme is also applied to exchange between other currencies.

The embodiment of the invention, as a bottom account system scheme, can be applied to various service scenes, is particularly suitable for foreign exchange transaction services, and has the following advantages: 1) the application scene is wide, and the flexibility of setting the system account is high; 2) fixed income accounts can be added in the account system, so that handling fees or exchange rate charging can be conveniently carried out, and added income can be created; 3) floating profit and loss accounts can be added in the account system, profit and loss caused by exchange rate fluctuation can be added into a special account, and profit (and possible risk) income is increased again; 4) through a fund clearing scheme, balance change of each associated account in each transaction is recorded, and the profit and loss conditions of each transaction can be clearly recorded by the profit account and the floating profit and loss account, so that profit and loss trends can be conveniently counted and analyzed subsequently, and a better transaction strategy is specified.

In the current fund clearing scheme, only the appointed amount of purchased foreign currency can be supported, the selling amount cannot be supported, and all customer requirements cannot be completely met, so that the scene of the appointed selling amount can be increased. The basic flow is similar to the above-described fund clearing scheme, except that when the customer specifies the amount to be sold, a fixed profit or a floating profit is generated on the foreign currency. The specific calculation formula is as follows:

fixed income (foreign currency) amount = amount of foreign currency due to customer-reference price calculation amount (5)

Float income (foreign currency) amount = reference price calculation amount-channel actual transaction amount (6)

Wherein, the amount of foreign currency due to the customer (namely the amount of quoted money to the customer) = the amount of sold money appointed by the customer is quoted to the rate of exchange of the customer (7)

Base price calculation amount = customer-specified sold amount:baseexchange rate (8)

In summary, the account system corresponding to the customer system and the account system corresponding to the channel system are respectively established in the exchange platform in the embodiment of the present invention, which has the following beneficial effects:

1. the exchange platform can support accounts of multiple currencies, and great convenience is brought to customer account management.

The above description is only an example of the present invention, and is not intended to limit the scope of the present invention. Any modification, equivalent replacement, and improvement made within the spirit and scope of the present invention are included in the protection scope of the present invention.

Claims

1. A data processing method of a block chain network-based exchange platform is characterized in that the method is

The method comprises the following steps:

2. The method of claim 1, wherein said obtaining funds settlement processing information for remittance or remittance between currency account numbers of said banking channel matching said customer information comprises:

3. The method of claim 2, wherein the providing account registration services to the client system via the money transfer platform, and establishing an account hierarchy corresponding to the client system in the money transfer platform, comprises:

the exchange platform receives an account registration request sent by the client system aiming at the account registration service, and determines an external account of the client and a currency to be opened;

4. The method of claim 3, further comprising:

inquiring a customer account association table according to the internal account number of the customer and the currency to be opened, when determining that the customer account association table has the account number corresponding to the currency to be opened,

5. The method of claim 2, wherein the providing an account registration service to a channel system through the exchange platform, and establishing an account system corresponding to the channel system in the exchange platform comprises:

the exchange platform receives an account registration request sent by the channel system aiming at the account registration service, and determines an external account of the bank channel and a currency to be opened;

6. The method of claim 5, further comprising:

inquiring a bank account association table according to the internal account number of the bank channel and the currency to be opened, when determining that the bank account association table has the account number corresponding to the currency to be opened,

7. The method of claim 2, further comprising:

establishing a fixed income account for recording fixed income during exchange on the exchange platform;

8. The method of claim 2, further comprising:

establishing a floating profit and loss account for recording floating profit and loss in the exchange process on the exchange platform;

9. The method of claim 2, wherein said fund settlement process for the remittance between said customer and said bank channel's currency account number comprises:

determining a money exchange currency and an exchange amount based on the exchange transaction submitted by the logged-in external account;

determining the amount due to the customer's own currency according to the standard exchange rate of the exchange and the exchange amount, and freezing the amount due to the customer's own currency in the account number of the customer's own currency;

and carrying out fund settlement processing of the exchange between the currency accounts of the customer and the bank channel according to the amount payable of the currency of the customer and the exchange result sent by the channel system.

10. The method as claimed in claim 9, wherein the fund settlement process for the money exchange between the client and the currency account number of the bank channel according to the amount due by the client's own currency and the money exchange result sent by the channel system comprises:

determining the product of the standard exchange rate of the exchange and the exchange amount as a standard amount;

subtracting the amount payable of the customer's own currency from the reference amount to obtain fixed income, and recording the fixed income in a fixed income account of the money exchange platform;

deducting the amount due to the client's home currency in the client's home currency account number, adding the exchange amount actually exchanged in the exchange result in the client's exchange currency account number,

11. The method of claim 1, further comprising:

receiving data synchronization requests of other mechanism nodes in the block chain network;

verifying the authority of the other organization nodes in response to the data synchronization request;

and when the authority of the other mechanism nodes passes the verification, controlling the current mechanism node and the other mechanism nodes to carry out data synchronization so as to realize that the corresponding nodes in the block chain network acquire the data stored in the target block.

12. The method of claim 1, further comprising:

receiving a query request, and analyzing the query request to obtain a corresponding client identifier;

acquiring authority information of client information in a target block in the block chain network according to the client identifier;

verifying the authority information of the client information;

when the authority information of the client information is matched with the client identification, acquiring a corresponding encrypted data set in the block chain network;

and responding to the query instruction, and pushing the acquired corresponding encrypted data set to the corresponding client.

13. A data processing apparatus of a block chain network-based sink-change platform, the apparatus comprising:

14. A data processing device of a block chain network-based exchange platform is characterized by comprising:

a memory for storing executable instructions;

a processor, configured to execute the executable instructions stored in the memory, and implement the data processing method of the block chain network-based trading platform according to any one of claims 1 to 12.

15. A storage medium storing executable instructions for causing a processor to perform a data processing method of a block chain network-based rebroadcasting platform according to any one of claims 1 to 12 when executed.