CN111144892A - Counter exchange rate checking method and device - Google Patents
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Abstract
According to the counter exchange rate verification method, the sub-page is calculated through the exchange rate, the exchange rate data of the sub-page is obtained, and the exchange rate data in the transaction process is obtained; acquiring all data in the transaction process through the transaction main page; further, comparing whether the sub-page exchange rate data is consistent with the main page exchange rate data or not, and judging whether the operation causing the exchange rate calculation error exists in the transaction business process or not; and when the word page data is judged to be inconsistent with the main page data, returning to the exchange rate calculation sub-page, and re-acquiring the exchange rate data, so that the exchange rate data in the transaction data is verified before the transaction is completed by submitting the data, the error rate of the teller in the service handling process is reduced, and the user experience is improved.
Description
Technical Field
The application relates to the technical field of computers, in particular to a counter exchange rate checking method and device.
Background
With the increase of the transaction amount of the foreign exchange market, the pressure born by the exchange rate calculation mechanism of the counter channel is increased. The exchange rate is the exchange rate between two countries of currency, and is influenced by political and military affairs, political administration of each country, international trade, market speculation and the like, and the exchange rate is continuously changed, so that the exchange rate has great influence on the financial market.
When a teller transacts exchange rate transaction business, because a large number of columns need to be recorded in counter transaction, the teller is used to quickly input contents by column skipping through a shortcut key, and the exchange rate related columns are easily modified by misoperation, so that wrong exchange information is submitted. In addition, counter exchange rate transaction types are numerous, and the verification and error correction mechanism for adding each column in a transaction page involves too much modification workload. Therefore, a new counter exchange rate verification method is needed to reduce the error rate of teller operation and reduce the waiting time of customers.
Disclosure of Invention
In order to solve the technical problems in the prior art, the application provides a counter exchange rate verification method and a counter exchange rate verification device, which can reduce the error rate in the service handling process.
In one aspect, an embodiment of the present application provides a counter exchange rate verification method, where the method includes:
calculating a sub-page through the exchange rate to obtain the exchange rate data of the sub-page;
acquiring all data of a transaction main page based on the sub-page exchange rate data;
comparing whether the sub-page exchange rate data is consistent with the main page exchange rate data;
if not, calculating a sub-page according to the exchange rate, and re-acquiring the exchange rate data of the sub-page.
Optionally, before the obtaining of the sub-page exchange rate data, the method further includes:
acquiring currency to be transacted, wherein the currency to be transacted comprises a currency type to be exchanged and an exchange currency type;
at the moment of acquiring the currency to be exchanged, inquiring whether the currency to be exchanged and the exchange currency have a first exchange rate;
if not, returning to the acquisition to obtain the currency type to be exchanged and the exchange currency type; if yes, acquiring the first exchange rate and the amount to be exchanged;
and calculating a first exchange amount according to the first exchange rate and the amount to be exchanged.
Optionally, the method further includes:
if the sub-page exchange rate data is consistent with the main page exchange rate data, sending a transaction request instruction;
inquiring the currency to be exchanged and the second exchange rate of the exchange currency at the moment of responding to the request transaction instruction;
comparing whether the first exchange rate and the second exchange rate are equal;
if not, updating the first exchange rate to the second exchange rate, and calculating a second exchange amount.
Optionally, if the first exchange rate exists, the method further includes:
acquiring a currency collection type;
calculating the exchange amount according to the first exchange rate and the to-be-exchanged amount comprises:
and calculating a second exchange amount according to the first exchange rate, the amount to be exchanged and the money exchange type.
Optionally, if the first rate and the second rate are not equal, the method further includes:
displaying the second exchange rate and the second redemption amount;
and after receiving a transaction confirmation instruction, submitting all data of the main page to complete the transaction.
On the other hand, the embodiment of the present application provides a counter exchange rate calibration device, the device includes a first obtaining unit, a second obtaining unit, a comparing unit and a third obtaining unit:
the first obtaining unit is used for calculating the sub-page through the exchange rate and obtaining the exchange rate data of the sub-page;
the second obtaining unit is used for obtaining all data of the transaction main page based on the sub-page exchange rate data;
the comparison unit is used for comparing whether the sub-page exchange rate data is consistent with the main page exchange rate data; if not, triggering the third acquisition unit;
and the third obtaining unit is used for calculating a sub-page according to the exchange rate and obtaining the exchange rate data of the sub-page again.
Optionally, the apparatus further includes a query unit, a return unit, and a calculation unit:
the first acquisition unit is further used for acquiring currency to be transacted, and the currency to be transacted comprises a currency type to be exchanged and an exchange currency type;
the inquiring unit is used for inquiring whether the currency to be exchanged and the exchange currency have a first exchange rate at the moment of acquiring the currency to be transacted; if not, triggering the return unit; if yes, returning to the first obtaining unit;
the return unit is used for returning the acquired currency type to be exchanged and the exchange currency type;
the first obtaining unit is further used for obtaining the first exchange rate and the amount to be exchanged;
and the calculation unit is used for calculating the first exchange amount according to the first exchange rate and the amount to be exchanged.
Optionally, the apparatus further includes a sending unit:
the sending unit is used for sending a transaction request instruction if the sub-page exchange rate data is consistent with the main page exchange rate data;
the inquiring unit is further used for inquiring the currency to be exchanged and the second exchange rate of the exchanged currency at the moment of responding to the transaction request instruction;
the comparison unit is further configured to compare whether the first exchange rate and the second exchange rate are equal; if not, triggering a calculation unit;
the calculating unit is further configured to update the first exchange rate to the second exchange rate, and calculate a second exchange amount.
Optionally, the first obtaining unit is further configured to:
acquiring a currency collection type;
the computing unit is further configured to:
and calculating a second exchange amount according to the first exchange rate, the amount to be exchanged and the money exchange type.
Optionally, the apparatus further comprises a display unit and a submission unit:
the display unit is used for displaying the second exchange rate and the second exchange amount;
and the submitting unit is used for submitting all the data of the main page after receiving the transaction confirmation instruction so as to complete the transaction.
According to the counter exchange rate verification method, the sub-page is calculated through the exchange rate, the exchange rate data of the sub-page is obtained, and the exchange rate data in the transaction process is obtained; acquiring all data in the transaction process through the transaction main page; further, comparing whether the sub-page exchange rate data is consistent with the main page exchange rate data or not, and judging whether the operation causing the exchange rate calculation error exists in the transaction business process or not; and when the word page data is judged to be inconsistent with the main page data, returning to the exchange rate calculation sub-page, and re-acquiring the exchange rate data, so that the exchange rate data in the transaction data is verified before the transaction is completed by submitting the data, the error rate of the teller in the service handling process is reduced, and the user experience is improved.
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In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present application, and other drawings can be obtained by those skilled in the art without creative efforts.
Fig. 1 is a schematic flow chart of a counter exchange rate verification method according to an embodiment of the present application;
fig. 2 is a schematic flow chart of another counter exchange rate verification method according to an embodiment of the present application;
fig. 3 is a schematic structural diagram of a counter exchange rate verification apparatus according to an embodiment of the present application.
Detailed Description
Embodiments of the present application are described below with reference to the accompanying drawings.
In the related art, a teller needs to enter a large amount of column information in the process of handling exchange rate transactions through a counter channel. The column information includes exchange rate information, customer information, and the like. In the teller operation process, the teller is used to perform field skipping to input content quickly by using a shortcut key, so that the exchange rate related field is easily modified by misoperation, wrong exchange information is submitted, transaction errors are caused, and the experience of a client is influenced.
In order to reduce the error rate of counter channel exchange rate transaction, the application provides a counter exchange rate verification method, provides a new exchange rate calculation mechanism, can verify the exchange rate data in the transaction, reduces the error rate of exchange rate transaction, and improves the user experience.
Referring to fig. 1, fig. 1 is a schematic flow chart of a counter exchange rate verification method provided in an embodiment of the present application. In fig. 1, the method comprises the steps of:
and S101, calculating the sub-page through the exchange rate to obtain the exchange rate data of the sub-page.
According to the method and the device, a feasible implementation mode is improved, the sub-page is calculated through the exchange rate, and the exchange rate data of the sub-page is obtained. It will be appreciated that the sub-page is a rate module for the calculation of the amount involved in the transaction main page. In practical application, the exchange rate transaction types are numerous, and the sub-page is determined according to the actual exchange rate transaction types, and is not limited herein.
In actual application, the currency to be transacted can be acquired through the exchange rate calculation word page, and comprises the currency type to be exchanged and the exchange currency type; at the moment of acquiring the currency to be exchanged, inquiring whether the currency to be exchanged and the exchange currency have a first exchange rate; if not, returning to the acquisition to obtain the currency type to be exchanged and the exchange currency type; if yes, acquiring the first exchange rate and the amount to be exchanged; and calculating a first exchange amount according to the first exchange rate and the amount to be exchanged.
In a possible implementation manner, if the first exchange rate exists, a money exchange type is also obtained, and the exchange amount is calculated according to the first exchange rate, the amount to be exchanged and the money exchange type.
It is understood that the money to be transacted is two kinds of money to be exchanged during the transaction, wherein the money may be real money or virtual money, such as gold. Based on the above, the sub-page exchange rate data includes: a currency type to be exchanged, a first exchange rate, an amount, and an exchange amount.
For ease of understanding, the description will be made by taking the example of exchanging RMB for USD.
By opening the exchange rate calculation sub-page, the currency to be traded, i.e., currency to be exchanged-renminbi and currency to be exchanged-U.S. dollars, is entered. After acquiring the currency to be traded, the exchange rate price of the RMB and the USD at the moment is inquired to be 6.98 as a first exchange rate. If the first exchange rate is inquired to exist, the amount to be exchanged, for example 10000 RMB, is continuously input. The exchange amount 6980 is calculated according to the amount to be exchanged, 10000 RMB and the first exchange rate of 6.98.
It will be appreciated that the currency to be exchanged and the exchange between currencies exchanged will differ due to the different currency exchange types. Thus, the redemption amount may also be determined by confirming the currency type prior to calculating the redemption amount.
It should be noted that, if the currency to be exchanged and the exchange currency do not have a rate quotation according to the currency to be exchanged, that is, if the first rate does not exist, it indicates that the currency to be exchanged cannot be exchanged, and prompts to input the currency to be exchanged again.
In the process of acquiring the sub-page exchange rate data, whether the currency to be exchanged and the exchange currency have the first exchange rate or not is inquired, whether the transaction aiming at the currency to be exchanged can be provided or not can be confirmed, so that whether the transaction can be carried out or not is determined before all exchange rate transaction information is entered, and the working efficiency of exchange rate transaction is improved.
And S102, acquiring all data of the transaction main page based on the sub-page exchange rate data.
Based on the above S201, after the exchange amount is calculated, the sub-page exchange rate data may be obtained. And correspondingly displaying the sub-page exchange rate data in a transaction main page by caching the sub-page exchange rate data, and acquiring all data required to be filled in the main page by inputting other column information of the main page.
S103, comparing whether the sub-page exchange rate data is consistent with the main page exchange rate data.
It will be appreciated that the teller may modify the exchange rate data due to a malfunction during the entry of the other field information of the home page. Therefore, the present application provides a feasible implementation manner, and by comparing whether the cached sub-page exchange rate data is consistent with the main page exchange rate data, whether the main page exchange rate data is changed is determined. The main page exchange rate data corresponds to the sub page exchange rate data one by one.
And S104, if not, calculating the sub-page according to the exchange rate, and re-acquiring the exchange rate data of the sub-page.
And if the sub-page exchange rate data is judged to be inconsistent with the main page exchange rate data, returning to the exchange rate calculation sub-page again, and re-executing the step of obtaining the sub-page exchange rate data.
It is understood that after the acquisition of the exchange rate data is completed, the information of other fields is continuously acquired. The teller may have misoperation to modify the exchange rate data during the process of inputting other information by the switching field. Therefore, the exchange rate data of the sub-page and the main page are compared, and the possibility of misoperation on the exchange rate data in the information entry process is reduced.
Since exchange rate updates are fast, the update frequency is typically on the order of minutes. The transaction is conducted through a counter channel, and the time for information entry may take tens of minutes. Thus, after all information for the transaction is obtained, the exchange rate of the currency to be traded may have changed.
In view of the above problems, the present application provides a feasible implementation manner, that is, if the sub-page exchange rate data is consistent with the main page exchange rate data, a request transaction instruction is sent; inquiring the currency to be exchanged and the second exchange rate of the exchange currency at the moment of responding to the request transaction instruction; comparing whether the first exchange rate and the second exchange rate are equal; if not, updating the first exchange rate to the second exchange rate, and calculating a second exchange amount.
And judging whether the exchange rate quotation price between the currencies to be traded is updated or not by inquiring whether the first exchange rate and the second exchange rate before and after the trading are equal or not. When the first exchange rate is not equal to the second exchange rate, the exchange rate of the money to be traded is updated from the first exchange rate to the second exchange rate. Therefore, the first exchange rate in the sub-page exchange rate data is updated to the second exchange rate, and the second exchange amount is recalculated according to the second exchange rate.
It will be appreciated that the exchange rate is updated and the exchange amount is also updated. Thus, the second exchange rate and the second redemption amount may be displayed to the customer prior to the transaction; and after receiving a transaction confirmation instruction, submitting all data of the main page to complete the transaction.
The counter exchange rate verification method provided by the embodiment utilizes a new mechanism of the exchange rate calculation sub-page and the transaction main page, and aims at comparing exchange rate data in the transaction process, so that a teller is helped to correct errors in time, the operation is fast and accurate, and the influence on exchange rate change in the transaction process is effectively reduced. Meanwhile, the new exchange rate calculation mechanism ensures the timeliness of the exchange rate and the correctness of the transaction, and improves the experience of the client.
For convenience of understanding, the counter exchange rate verification method provided by the above embodiment is described below with reference to fig. 2.
Referring to fig. 2, fig. 2 is a schematic flow chart of another counter exchange rate verification method provided in the present application.
Starting to open exchange rate transaction business of an exchange rate channel, opening an exchange rate calculation sub-page, and inputting the currency to be traded needing to be exchanged: currency to be exchanged and currency to be exchanged. And further inquiring whether the exchange rate quotation exists according to the currency to be traded. If not, the previous step is returned, and the money to be traded is obtained again. And if so, taking the rate at the moment as the first rate and displaying the first rate.
Further, the money exchange type and the money amount to be exchanged are input, and the exchange amount is calculated according to the first exchange rate. Wherein, the money amount can be calculated and displayed according to the exchange amount. And after the calculation is finished, submitting the exchange rate sub-page, and caching the exchange rate data of the sub-page. And correspondingly displaying the sub-page exchange rate into the main page by exchanging the sub-page exchange rate with the related field. And filling other columns and inputting other related information of the transaction.
And after the information input is finished, submitting the main page transaction. And comparing whether the main page exchange rate data is consistent with the cached sub-page exchange rate data or not, if the main page exchange rate data is inconsistent with the cached sub-page exchange rate data, prompting the teller to return to the sub-page, and re-entering and submitting the exchange rate data. And if the data are consistent, submitting the main page data to the background core.
And at the transaction submitting moment, inquiring the exchange rate price of the money to be transacted as a second exchange rate. And comparing whether the first exchange rate and the second exchange rate are equal. If the first exchange rate is not equal to the second exchange rate, the counter channel automatically downloads the latest exchange rate quotation, namely the second exchange rate, which indicates that the exchange rate quotation has changed. And updating the first exchange rate in the sub-page exchange rate data into a second exchange rate, and calculating the exchange amount after updating the exchange rate. And by displaying the updated exchange rate data, after checking and confirming the submission, the transaction is submitted again, and the transaction is completed. If the first exchange rate is equal to the second exchange rate, the data is submitted, and the transaction is successful.
Aiming at the counter exchange rate calibration method, the embodiment of the application also provides a counter exchange rate calibration device.
Referring to fig. 3, fig. 3 is a schematic structural diagram of a counter exchange rate verification apparatus 300 according to an embodiment of the present application. As shown in fig. 3, the apparatus 300 includes: a first acquisition unit 301, a second acquisition unit 302, a comparison unit 303 and a third acquisition unit 304.
The first obtaining unit 301 is configured to calculate a sub-page through an exchange rate, and obtain sub-page exchange rate data;
the second obtaining unit 302 is configured to obtain all data of a transaction main page based on the sub-page exchange rate data;
the comparing unit 303 is configured to compare whether the sub-page exchange rate data is consistent with the main page exchange rate data; if not, triggering the third acquisition unit;
the third obtaining unit 304 is configured to calculate a sub-page according to the exchange rate, and obtain the sub-page exchange rate data again.
The counter exchange rate calibration device provided by the embodiment calculates the sub-page through the exchange rate, obtains the exchange rate data of the sub-page, and obtains the exchange rate data in the transaction process; acquiring all data in the transaction process through the transaction main page; further, comparing whether the sub-page exchange rate data is consistent with the main page exchange rate data or not, and judging whether the operation causing the exchange rate calculation error exists in the transaction business process or not; and when the word page data is judged to be inconsistent with the main page data, returning to the exchange rate calculation sub-page, and re-acquiring the exchange rate data, so that the exchange rate data in the transaction data is verified before the transaction is completed by submitting the data, the error rate of the teller in the service handling process is reduced, and the user experience is improved.
Those of ordinary skill in the art will understand that: all or part of the steps for realizing the method embodiments can be completed by hardware related to program instructions, the program can be stored in a computer readable storage medium, and the program executes the steps comprising the method embodiments when executed; and the aforementioned storage medium may be at least one of the following media: various media that can store program codes, such as read-only memory (ROM), RAM, magnetic disk, or optical disk.
It should be noted that, in the present specification, all the embodiments are described in a progressive manner, and the same and similar parts among the embodiments may be referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the apparatus and system embodiments, since they are substantially similar to the method embodiments, they are described in a relatively simple manner, and reference may be made to some of the descriptions of the method embodiments for related points. The above-described embodiments of the apparatus and system are merely illustrative, and the units described as separate parts may or may not be physically separate, and the parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
The above description is only one specific embodiment of the present application, but the scope of the present application is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present application should be covered by the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.
Claims (10)
1. A counter exchange rate verification method is characterized by comprising the following steps:
calculating a sub-page through the exchange rate to obtain the exchange rate data of the sub-page;
acquiring all data of a transaction main page based on the sub-page exchange rate data;
comparing whether the sub-page exchange rate data is consistent with the main page exchange rate data;
if not, calculating a sub-page according to the exchange rate, and re-acquiring the exchange rate data of the sub-page.
2. The method of claim 1, wherein prior to obtaining sub-page exchange rate data, the method further comprises:
acquiring currency to be transacted, wherein the currency to be transacted comprises a currency type to be exchanged and an exchange currency type;
at the moment of acquiring the currency to be exchanged, inquiring whether the currency to be exchanged and the exchange currency have a first exchange rate;
if not, returning to the acquisition to obtain the currency type to be exchanged and the exchange currency type; if yes, acquiring the first exchange rate and the amount to be exchanged;
and calculating a first exchange amount according to the first exchange rate and the amount to be exchanged.
3. The method of claim 1, further comprising:
if the sub-page exchange rate data is consistent with the main page exchange rate data, sending a transaction request instruction;
inquiring the currency to be exchanged and the second exchange rate of the exchange currency at the moment of responding to the request transaction instruction;
comparing whether the first exchange rate and the second exchange rate are equal;
if not, updating the first exchange rate to the second exchange rate, and calculating a second exchange amount.
4. The method of claim 2, wherein if the first exchange rate exists, the method further comprises:
acquiring a currency collection type;
calculating the exchange amount according to the first exchange rate and the to-be-exchanged amount comprises:
and calculating a second exchange amount according to the first exchange rate, the amount to be exchanged and the money exchange type.
5. The method of claim 3, wherein if the first rate and the second rate are not equal, the method further comprises:
displaying the second exchange rate and the second redemption amount;
and after receiving a transaction confirmation instruction, submitting all data of the main page to complete the transaction.
6. The counter exchange rate calibration device is characterized by comprising a first acquisition unit, a second acquisition unit, a comparison unit and a third acquisition unit:
the first obtaining unit is used for calculating the sub-page through the exchange rate and obtaining the exchange rate data of the sub-page;
the second obtaining unit is used for obtaining all data of the transaction main page based on the sub-page exchange rate data;
the comparison unit is used for comparing whether the sub-page exchange rate data is consistent with the main page exchange rate data; if not, triggering the third acquisition unit;
and the third obtaining unit is used for calculating a sub-page according to the exchange rate and obtaining the exchange rate data of the sub-page again.
7. The apparatus according to claim 6, wherein the apparatus further comprises a query unit, a return unit, and a calculation unit:
the first acquisition unit is further used for acquiring currency to be transacted, and the currency to be transacted comprises a currency type to be exchanged and an exchange currency type;
the inquiring unit is used for inquiring whether the currency to be exchanged and the exchange currency have a first exchange rate at the moment of acquiring the currency to be transacted; if not, triggering the return unit; if yes, returning to the first obtaining unit;
the return unit is used for returning the acquired currency type to be exchanged and the exchange currency type;
the first obtaining unit is further used for obtaining the first exchange rate and the amount to be exchanged;
and the calculation unit is used for calculating the first exchange amount according to the first exchange rate and the amount to be exchanged.
8. The apparatus of claim 6, further comprising a transmitting unit to:
the sending unit is used for sending a transaction request instruction if the sub-page exchange rate data is consistent with the main page exchange rate data;
the inquiring unit is further used for inquiring the currency to be exchanged and the second exchange rate of the exchanged currency at the moment of responding to the transaction request instruction;
the comparison unit is further configured to compare whether the first exchange rate and the second exchange rate are equal; if not, triggering a calculation unit;
the calculating unit is further configured to update the first exchange rate to the second exchange rate, and calculate a second exchange amount.
9. The apparatus of claim 7, wherein the first obtaining unit is further configured to:
acquiring a currency collection type;
the computing unit is further configured to:
and calculating a second exchange amount according to the first exchange rate, the amount to be exchanged and the money exchange type.
10. The apparatus according to claim 8, wherein the apparatus further comprises a display unit and a submission unit:
the display unit is used for displaying the second exchange rate and the second exchange amount;
and the submitting unit is used for submitting all the data of the main page after receiving the transaction confirmation instruction so as to complete the transaction.
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CN113781046A (en) * | 2021-09-16 | 2021-12-10 | 中国银行股份有限公司 | Exchange rate transaction method, device, equipment, system and storage medium |
CN114266572A (en) * | 2021-12-23 | 2022-04-01 | 百果园技术(新加坡)有限公司 | Collection method, collection device, collection equipment and collection equipment of exchange rate data |
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CN104503990A (en) * | 2014-12-03 | 2015-04-08 | 中建材国际贸易有限公司 | Method for acquiring and using exchange rate information |
CN107103532A (en) * | 2017-05-22 | 2017-08-29 | 中国建设银行股份有限公司 | A kind of exchange rate data methods of exhibiting and system |
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CN113781046A (en) * | 2021-09-16 | 2021-12-10 | 中国银行股份有限公司 | Exchange rate transaction method, device, equipment, system and storage medium |
CN114266572A (en) * | 2021-12-23 | 2022-04-01 | 百果园技术(新加坡)有限公司 | Collection method, collection device, collection equipment and collection equipment of exchange rate data |
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