CN114445209A

CN114445209A - Resource conversion method, device, electronic equipment and storage medium

Info

Publication number: CN114445209A
Application number: CN202011232923.1A
Authority: CN
Inventors: 许志研; 郭会东; 童晓蕙; 黄阳阳; 庾龙鑫; 李斌; 戴海勇
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2020-11-06
Filing date: 2020-11-06
Publication date: 2022-05-06

Abstract

The embodiment of the application discloses a resource conversion method, a resource conversion device, electronic equipment and a storage medium, and is applicable to the fields of cloud technology, big data and the like. The method comprises the following steps: acquiring a first resource conversion request corresponding to a first resource conversion channel through a first resource conversion platform; determining a request time corresponding to the first resource conversion request; if the request time corresponding to the first resource conversion request does not belong to the operation time of the current date of the first resource conversion channel, generating a second resource conversion request corresponding to a second resource conversion channel based on the first resource conversion request, wherein the request time of the second resource conversion request belongs to the operation time of the second resource conversion channel, and executing the second resource conversion request through the second resource conversion channel; executing a first resource conversion request at an operation time of a date next to the current date of the first resource conversion channel; and executing a reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel.

Description

Resource conversion method, device, electronic equipment and storage medium

Technical Field

The present application relates to the field of computers, and in particular, to a resource conversion method and apparatus, a storage medium, and an electronic device.

Background

Currently, more and more people can perform resource conversion through domestic banks to realize currency conversion.

When a resource conversion transaction request is received in the internal bank non-transactable time, the resource conversion transaction is carried out by delaying to the next transaction time. For the resource conversion platform, in the period from the resource conversion transaction request accepted by the domestic bank in the non-transactable time to the next transactable time, the resource conversion platform is generally required to hold the part of funds. However, there may be a large exchange rate fluctuation in such a long time, and there is a problem of bringing a large capital risk to the resource conversion platform, but for this problem, there is no effective solution in the prior art.

Disclosure of Invention

The embodiment of the application provides a resource conversion method, a resource conversion device, an electronic device and a storage medium, wherein a first resource conversion request corresponding to a first resource conversion channel can be processed through a second resource conversion channel, so that the fund risk of a resource conversion platform is reduced, and the effect of improving the safety of the resource conversion platform is achieved.

In one aspect, an embodiment of the present application provides a resource conversion method, where the method includes:

acquiring a first resource conversion request corresponding to a first resource conversion channel through a first resource conversion platform; determining a request time corresponding to the first resource conversion request;

if the request time corresponding to the first resource conversion request does not belong to the operation time of the current date of the first resource conversion channel, generating a second resource conversion request corresponding to a second resource conversion channel based on the first resource conversion request, wherein the request time of the second resource conversion request belongs to the operation time of the second resource conversion channel, and the second resource conversion request is executed through the second resource conversion channel; executing the first resource conversion request at an operation time of a date next to the current date of the first resource conversion channel; executing a reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel;

and if the request time corresponding to the first resource conversion request belongs to the operation time of the current date of the first resource conversion channel, processing the first resource conversion request through the first resource conversion channel.

In an optional embodiment, the executing the reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel includes:

executing the reverse resource conversion request through the second resource conversion channel on the delivery date of the reverse resource conversion request;

the second resource conversion request and the reverse resource conversion request have the same delivery date, and the delivery date of the second resource conversion request is later than that of the first resource conversion request.

In an optional embodiment, the executing the second resource conversion request through the second resource conversion channel includes:

and sending the second resource conversion request to a resource conversion prepositive device corresponding to the second resource conversion channel, so as to send the second resource conversion request to a second resource conversion platform corresponding to the second resource conversion channel through the resource conversion prepositive device.

In an alternative embodiment, the first resource conversion channel and the second resource conversion channel have different legal currency.

In one aspect, an embodiment of the present application provides a resource conversion apparatus, where the apparatus includes:

the resource conversion request acquisition module is used for acquiring a first resource conversion request corresponding to a first resource conversion channel through a first resource conversion platform;

a time determining module, configured to determine a request time corresponding to the first resource conversion request;

a first processing module, configured to generate a second resource conversion request corresponding to a second resource conversion channel based on the first resource conversion request if a request time corresponding to the first resource conversion request does not belong to an operation time of a current date of the first resource conversion channel, where the request time of the second resource conversion request belongs to the operation time of the second resource conversion channel, and execute the second resource conversion request through the second resource conversion channel;

the first processing module comprises:

a first processing unit, configured to execute the first resource conversion request at an operation time of a date next to a current date of the first resource conversion channel;

a second processing unit, configured to execute a reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel;

and a second processing module, configured to process the first resource conversion request through the first resource conversion channel if a request time corresponding to the first resource conversion request belongs to an operation time of a current date of the first resource conversion channel.

In an optional embodiment, the second processing unit is configured to:

and executing the reverse resource conversion request through the second resource conversion channel on the delivery date of the reverse resource conversion request, wherein the delivery date of the second resource conversion request is the same as that of the reverse resource conversion request, and the delivery date of the second resource conversion request is later than that of the first resource conversion request.

In an optional embodiment, the first processing module is configured to:

In one aspect, an embodiment of the present application provides a resource conversion system, where the system includes a first resource conversion channel, a first resource conversion platform, a first resource conversion pre-device, a second resource conversion platform, and a second resource conversion channel, where the first resource conversion channel is communicatively connected to the first resource conversion platform through the first resource conversion pre-device, the first resource conversion platform is communicatively connected to the first resource conversion pre-device and the second resource conversion pre-device respectively, the first resource conversion platform is communicatively connected to the second resource conversion platform through the second resource conversion pre-device, and the second resource conversion channel is communicatively connected to the second resource conversion platform;

the first resource conversion platform is configured to obtain a first resource conversion request corresponding to a first resource conversion channel, determine a request time corresponding to the first resource conversion request, generate a second resource conversion request when the request time corresponding to the first resource conversion request does not belong to an operation time of a current date of the first resource conversion channel, and send the second resource conversion request to the second resource conversion prepositive device, where the second resource conversion request is a request corresponding to the second resource conversion channel and the second resource conversion request corresponds to the first resource conversion request;

the second resource conversion pre-equipment is configured to send the second resource conversion request to the second resource conversion platform when receiving the second resource conversion request;

the second resource conversion platform is configured to send the second resource conversion request to the second resource conversion channel when receiving the second resource conversion request;

the second resource conversion channel is configured to execute the received second resource conversion request;

the first resource conversion channel is configured to execute the first resource conversion request at an operation time of a date next to a current date of the first resource conversion channel;

the second resource conversion channel is configured to execute a reverse resource conversion request corresponding to the second resource conversion request;

the first resource conversion pre-equipment is configured to send the first resource conversion request to the first resource conversion channel if a request time corresponding to the first resource conversion request belongs to an operation time of a current date of the first resource conversion channel; the first resource conversion channel is configured to process the received first resource conversion request.

In an optional embodiment, the executing, by the second resource conversion channel, the reverse resource conversion request corresponding to the second resource conversion request includes:

executing the reverse resource conversion request on the delivery date of the reverse resource conversion request;

In an alternative embodiment, the first resource conversion channel and the second resource conversion channel correspond to different legal currency.

In one aspect, an embodiment of the present application provides an electronic device, which includes a processor and a memory, where the processor and the memory are connected to each other; the memory is used for storing a computer program; the processor is configured to, when invoking the computer program, perform the method provided by the first aspect and/or any one of the possible implementations of the first aspect.

In one aspect, the present application provides a computer-readable storage medium, which stores a computer program, where the computer program is executed by a processor to implement the method provided by the first aspect and/or any one of the possible implementation manners of the first aspect.

In one aspect, embodiments of the present application provide a computer program product or a computer program, which includes computer instructions stored in a computer-readable storage medium. The processor of the electronic device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions to cause the computer device to perform the method provided by any one of the possible embodiments of the resource conversion method described above.

The beneficial effects of the embodiment of the application are that:

in the embodiment of the application, a first resource conversion request corresponding to a first resource conversion channel is acquired through a first resource conversion platform, then, the request time of the first resource conversion request is determined, if the request time corresponding to the first resource conversion request does not belong to the operation time of the current date of the first resource conversion channel, a second resource conversion request corresponding to the first resource conversion request can be executed through a second resource conversion channel, and if the request time of the first resource conversion request belongs to the operation time of the current date of the first resource conversion channel, the first resource conversion request can be normally processed through the first resource conversion channel. In the existing scheme, if a first resource conversion request is received in non-operation time, a first resource conversion platform is required to hold funds corresponding to the first resource conversion request from the time when the first resource conversion request is received to the next tradeable day, and in such a long time, a large exchange rate fluctuation may occur, and the first resource conversion platform needs to bear a large fund risk.

Drawings

In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the embodiments will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings without creative efforts.

FIG. 1 is a schematic diagram of a prior art resource conversion scheme;

FIG. 2 is a schematic diagram of an application environment of a resource transformation method according to an embodiment of the present application;

fig. 3 is a schematic flowchart of a resource conversion method according to an embodiment of the present application;

FIG. 4 is a flowchart illustrating another resource transformation method provided in an embodiment of the present application;

FIG. 5 is a flowchart illustrating a resource transformation method according to an embodiment of the present application;

FIG. 6 is a flowchart illustrating processing of a first resource conversion request through a second resource conversion channel according to an embodiment of the present application;

fig. 7 is a schematic diagram illustrating a principle corresponding to a resource conversion method according to an embodiment of the present application;

FIG. 8 is a schematic flow chart illustrating processing a first resource conversion request through a second resource conversion channel according to an embodiment of the present application;

FIG. 9 is a diagram illustrating an embodiment of the present application that is not suitable for performing resource conversion via an overseas resource conversion channel;

FIG. 10 is a schematic diagram of a resource transformation system provided in the present application;

fig. 11 is an alternative structure diagram of the distributed system 100 applied to the blockchain system according to the embodiment of the present invention;

FIG. 12 is an alternative Block Structure (Block Structure) diagram according to an embodiment of the present invention;

fig. 13 is a schematic structural diagram of a resource conversion apparatus according to an embodiment of the present application;

fig. 14 is a schematic structural diagram of an electronic device according to an embodiment of the present application.

Detailed Description

The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments in the present application without making any creative effort belong to the protection scope of the present application.

The resource conversion method provided by the embodiment of the application can be applied to various fields of Cloud technology, such as the fields of Cloud computing in Cloud technology, Cloud service and related data computing processing in the field of big data, and aims to obtain a first resource conversion request corresponding to a first resource conversion channel through a first resource conversion platform; determining a request time corresponding to the first resource conversion request; if the request time corresponding to the first resource conversion request does not belong to the operation time of the current date of the first resource conversion channel, processing the first resource conversion request through the second resource conversion channel; and if the request time corresponding to the first resource conversion request belongs to the operation time of the current date of the first resource conversion channel, processing the first resource conversion request through the first resource conversion channel.

The cloud technology is a hosting technology for unifying series resources such as hardware, software, network and the like in a wide area network or a local area network to realize the calculation, storage, processing and sharing of data. The resource conversion method provided by the embodiment of the application can be realized based on cloud computing (cloud computing) in cloud technology.

Cloud Computing refers to obtaining required resources in an on-demand and easily-extensible manner through a Network, and is a product of development and fusion of traditional computers and Network technologies, such as Grid Computing (Grid Computing), Distributed Computing (Distributed Computing), Parallel Computing (Parallel Computing), Utility Computing (Utility Computing), Network storage (Network storage technologies), Virtualization (Virtualization), Load balancing (Load Balance), and the like.

An artificial intelligence cloud Service is also generally called AIaaS (AI as a Service). The method is a service mode of an artificial intelligence platform, and specifically, the AIaaS platform splits several types of common artificial intelligence services, and provides independent or packaged services, such as processing resource conversion requests, at a cloud.

Big data (Big data) refers to a data set which cannot be captured, managed and processed by a conventional software tool within a certain time range, and is a massive, high-growth-rate and diversified information asset which can have stronger decision-making power, insight discovery power and flow optimization capability only by a new processing mode. With the advent of the cloud era, big data has attracted more and more attention. The resource conversion method provided by the embodiment is effectively implemented based on the fact that the big data requires a special technology, wherein the technology suitable for the big data includes massively parallel processing databases, data mining, distributed file systems, distributed databases, the cloud computing and the like.

In some possible embodiments, the first resource translation request includes, but is not limited to, obtaining the first resource translation request by a smart device. The manner of obtaining the first resource conversion request may be to obtain a to-be-processed instruction corresponding to the first resource conversion request, and then generate the first resource conversion request based on the to-be-processed instruction, where the to-be-processed instruction includes, but is not limited to, instruction information used for query, command, or communication and the like in the process of intelligent question answering and the like, and may be determined based on requirements of an actual application scenario, which is not limited herein. After a user inputs dialogue information such as voice and characters in a man-machine dialogue process, the intelligent device needs to determine a real meaning expressed by a command to be processed in the dialogue information to know a real intention of the user, so that a first resource conversion request corresponding to the real intention of the user is executed. Alternatively, the first resource conversion request may also be a related to-be-processed instruction of the first resource conversion request directly input by the user through the first resource conversion platform, and then the to-be-processed instruction generates the first resource conversion request.

The smart device includes, but is not limited to, a mobile phone, a notebook computer, a digital broadcast receiver, a PDA (personal digital assistant), a PAD (tablet computer), a PMP (portable multimedia player), a vehicle terminal (e.g., a car navigation terminal), and a fixed terminal such as a digital TV, a desktop computer, and the like, and may be determined based on the requirements of an actual application scenario, and is not limited herein.

The terms to which the present invention relates are explained as follows:

exchange purchase (resource conversion): exchange the coin (here, the RMB) for other currency.

Reverse buying (reverse resource conversion): exchange the home currency (referred to herein as renminbi) in another currency.

And (4) channel: in this embodiment, the resource conversion channel actually refers to an electronic device of the organization or the entity that provides the resource conversion service support, such as a server of a bank that provides the resource conversion service.

Domestic/overseas resource conversion: the business side customer designates the resource conversion channel as an internal or external resource conversion request operation.

Delivery day: when the buyer of the option requests the seller of the option to fulfill the contract, the buyer and the seller respectively pay the date of the money purchased by the other party.

The delivery deadline (Tenor, abbreviated as T) may also be a delivery date, and the number following T represents the delivery completed on the next transaction date after the transaction. If T0 represents the completion of the delivery in the same day; t2 represents the second transaction day after the resource conversion to complete the delivery.

In the prior art, when an domestic resource conversion channel receives a resource conversion request in non-operation time, a resource conversion platform holds funds corresponding to the resource conversion request in the period from the time of receiving the resource conversion request to the next transaction day, and bears the fund risk brought by exchange rate conversion in the period.

Referring to fig. 1, fig. 1 is a schematic diagram of a prior art resource conversion scheme. As shown in FIG. 1, the resource transformation platform receives a resource transformation request (domestic resource transformation request, which is a request for buying USD (United States Daller, U.S. dollar) in CNY (China Yuan) at 11 pm in the evening of T day), and since the next transaction day of T day is T +1 day, the resource transformation platform needs to bear the capital loss caused by the time exchange rate change from 11:00pm in T day to 9:30am in T +1 day. Where USD in FIG. 1 represents USD and CNY represents the onshore RMB.

According to one aspect of an embodiment of the present invention, a method for resource conversion is provided. Alternatively, the resource conversion method may be applied, but not limited, to the application environment as shown in fig. 2. As shown in fig. 2, the resource conversion method can be applied, but not limited to, in a resource conversion system in the environment shown in fig. 2, wherein the resource conversion system can include, but is not limited to, a user terminal 101, a network 102, a server 103 (a server corresponding to a first resource conversion platform), a server 104 (a server corresponding to a second resource conversion channel), and a server 105 (a server corresponding to a first resource conversion channel). The user terminal 101 runs a resource conversion Application, which is an Application capable of providing a resource conversion service for a user, and may be a web Application, an Application program (APP for short), and the like. The user terminal 101 includes a human-computer interaction screen 1011, a processor 1012 and a memory 1013. The man-machine interaction screen 1011 is used for a user to initiate a first resource request through the man-machine interaction screen. Processor 1012 is configured to process operations associated with the first resource request. The memory 1013 is used for storing data related to the first resource request.

Further, server 103 includes a database 1031 and a processing engine 1032 therein. The server 104 includes a database 1041 and a processing engine 1042. The server 105 includes a database 1051 and a processing engine 1052.

As shown in FIG. 2, the specific process of the resource transformation method in the present application for processing the resource transformation request is as follows steps S1-S9:

s1, the user initiates a first resource transformation request through the resource transformation application in the user terminal 101, and sends the first resource transformation request to the server 103 corresponding to the first resource transformation platform through the network 102.

S2, when the server 103 corresponding to the first resource conversion platform receives the first resource conversion request, determining a request time of the first resource conversion request. If the requested time does not belong to the operation time of the current date of the first resource conversion channel, the steps S3-S8 are performed, and if the requested time belongs to the operation time of the current date of the first resource conversion channel, the steps S5 and S9 are performed.

S3, if the requested time does not belong to the operation time of the current date of the first resource conversion channel, the processing engine 1032 generates a second resource conversion request corresponding to the second resource conversion channel based on the first resource conversion request, and sends the second resource conversion request to the server 104 corresponding to the second resource conversion channel. And the request time of the second resource conversion request belongs to the operation time of the second resource conversion channel. The database 1031 is used for storing data related to the second resource conversion request.

S4, after the server 104 corresponding to the second resource conversion channel receives the second resource conversion request, the processing engine 1042 executes the second resource conversion request, wherein the database 1041 is configured to store data related to the second resource conversion request.

S5, the server 103 corresponding to the first resource conversion platform sends a first resource conversion request to the server 105 corresponding to the first resource conversion channel.

S6, when the server 105 corresponding to the first resource conversion channel receives the first resource conversion request, the processing engine 1052 executes the first resource conversion request at the operating time of the next date of the current date of the first resource conversion channel, wherein the database 1051 is used for storing the data related to the first resource conversion request.

S7, the server 103 corresponding to the first resource conversion platform sends a reverse resource conversion request corresponding to the second resource conversion request to the server 104 corresponding to the second resource conversion channel.

S8, when the server 104 corresponding to the second resource conversion channel receives the reverse resource conversion request corresponding to the second resource conversion request, the processing engine 1042 executes the reverse resource conversion request corresponding to the second resource conversion request, wherein the database 1041 is configured to store data related to the reverse resource conversion request corresponding to the second resource conversion request.

S9, if the request time corresponding to the first resource conversion request belongs to the operation time of the current date of the first resource conversion channel, the processing engine 1052 executes the first resource conversion request when the server 105 corresponding to the first resource conversion channel receives the first resource conversion request, wherein the database 1051 is used to store data related to the first resource conversion request.

In an optional embodiment, the resource conversion method of the present application may be applied to the following scenarios:

the resource conversion operation time corresponding to the first resource conversion channel and the second resource conversion channel is not completely the same or completely different. For example, at the same time, the institution or unit corresponding to the first resource conversion channel is the non-operating time, and the institution or unit corresponding to the second resource conversion channel is the operating time, and when the received resource conversion request is not the operating time of the current date of the first resource conversion channel, but is the operating time corresponding to the second resource conversion channel, the received resource conversion request can be processed in a manner of borrowing the second resource conversion channel.

In order to more clearly understand the first resource conversion channel and the second resource conversion channel, in an alternative embodiment, the first resource conversion channel and the second resource conversion channel correspond to different legal currency. For example, the first resource conversion channel may be understood as an domestic bank (i.e., an electronic device of the domestic bank that provides the resource conversion service). The second resource conversion channel may be understood as an overseas bank (i.e., an electronic device of the overseas bank that provides the resource conversion service). Where the first resource conversion channel may be referred to as an inbound resource conversion channel and the second resource conversion channel may be referred to as an outbound resource conversion channel, it is understood that inbound and outbound are a relative concept, such as, for example, where the inbound resource conversion channel is mainland china and the outbound resource conversion channel may be the united states, where the legal currency of the inbound resource conversion channel may be renminbi and the legal currency of the outbound resource conversion channel may be U.S. dollars.

In the following example, a resource conversion scenario in a scenario where the first resource conversion channel is a non-24-hour operation system and the second resource conversion channel is a 24-hour operation system is described, where the legal currency of the first resource conversion channel is rmb and the legal currency of the second resource conversion channel is U.S. dollars. In practical applications, any other scenario applicable to the present application is also applicable to the present application, and is not limited herein.

For a better understanding and description of the solutions provided in the examples of the present application, an alternative embodiment of the present application will be described below first with reference to a specific example of implementation. In this example, the legal circulation currency of the first resource conversion channel is rmb (in this example, the first resource conversion channel is an intra-resource conversion channel), the legal circulation currency of the second resource conversion channel is U.S. dollars (in this example, the second resource conversion channel is an extra-resource conversion channel), the first resource conversion request in this example is a request to buy 100USD, the second resource conversion request is an extra-channel forward buy 100USD, the reverse resource conversion request corresponding to the second resource conversion request in this example is an extra-channel reverse sell 100USD, and based on the resource conversion method of this application, see fig. 3, which is a schematic flow chart of a resource conversion method provided in this embodiment of the application, and the execution flow of the resource conversion method in this example may be as follows:

step 1, after 18:00 on 2020.5.11 days and before 9:00 on 5.12 days, the 23:00 user requests to buy 100USD through the domestic resource conversion channel on a 5.11 day night. Wherein 23:00 at night of 5.11 days is the non-operation time of the domestic resource conversion channel, and 9:00 at 5.12 days is the starting operation time of the working day of the domestic resource conversion channel.

Step 2, determining the request time of the user for buying 100USD through the domestic resource conversion channel, wherein the request time is 2020.5.11 days after 18:00 and before 5.12 days before 9:00, and is 5.11 days at night 23: 00.

And step 3, because the request time of the user for buying the 100USD through the domestic resource conversion channel does not belong to the operation time of the current date (5.11 days) of the domestic resource conversion channel, at the moment, a second resource conversion request (namely 100USD is bought in the overseas direction) corresponding to the first resource conversion request (namely 100USD is bought in the overseas direction) can be generated, the overseas resource conversion channel can be borrowed, the second resource conversion request is sent to the overseas resource conversion channel, the overseas resource conversion channel processes the second resource conversion request, and 100USD is bought in the overseas resource conversion channel.

And 4, normally processing the first resource conversion request at the operating time of 5.12 days (such as 9:30 in the morning of 5.12 days) of the next date of 5.11 days of the current date of the domestic resource conversion channel, and buying 100USD in the domestic resource conversion channel.

Step 5, since 100USD is bought in the overseas resource transfer channel, in order to smooth the warehouse, a reverse resource transfer request corresponding to the second resource transfer request needs to be executed through the overseas resource transfer channel (100 USD is sold reversely by the overseas resource transfer channel), as shown in fig. 3, 100USD can be sold reversely at 5.13.

According to the scheme shown in the embodiment of the application, when the current date of the domestic resource conversion channel is the non-operation time, the second resource conversion request corresponding to the first resource conversion request can be executed through the oversea resource conversion channel, funds corresponding to the first resource conversion request do not need to be held in the non-operation time period for a long time, the fund risk is reduced, and the safety is improved.

Referring to fig. 4, fig. 4 is a flowchart of another resource conversion method provided in this embodiment of the present application, where the method may be executed by any electronic device, such as a server or a user terminal, or may be completed by a user terminal and a server interactively, or may alternatively be executed by a user terminal, and for a first resource conversion request, a first resource conversion request may be obtained by the user terminal, and then the user terminal sends the first resource conversion request to the server, and processes the first resource conversion request through processing by the server. The server may be an independent physical server, a server cluster or a distributed system formed by a plurality of physical servers, or a cloud server or a server cluster providing basic cloud computing services such as a cloud service, a cloud database, cloud computing, a cloud function, cloud storage, a Network service, cloud communication, a middleware service, a domain name service, a security service, a CDN (Content Delivery Network), a big data and artificial intelligence platform, and the like. The user terminal may be a smart phone, a tablet computer, a notebook computer, a desktop computer, a smart speaker, a smart watch, etc., and the user terminal and the server may be directly or indirectly connected through wired or wireless communication, but not limited thereto.

Referring to fig. 4, fig. 4 is a schematic flowchart of another resource conversion method provided in the embodiment of the present application, and as shown in fig. 4, the resource conversion method provided in the embodiment of the present application includes the following steps:

s201, a first resource conversion request corresponding to a first resource conversion channel is obtained through a first resource conversion platform.

The first resource transformation platform may be understood as an intra-environment resource transformation platform, providing intra-environment resource transformation capabilities. The second resource conversion platform corresponding to the first resource conversion platform, which can be also called as an overseas resource conversion platform, provides overseas resource conversion capability support and has the foreign exchange transaction capability of the offshore RMB at night.

The first resource transformation request may be an intra-resource transformation request. For example, the first resource conversion request may be a request to buy 100 USDs via an domestic resource conversion channel. It is understood that the first resource conversion request may be determined according to the actual requirement of the user, and is not limited herein.

In some possible embodiments, the first resource conversion request may be initiated by a user directly to the first resource conversion platform, or may be initiated by the user through a user terminal connected to the first resource conversion platform. In practical applications, the method can be determined according to practical needs, and is not limited herein.

S202, determining the request time corresponding to the first resource conversion request.

In some possible implementations, the request time for the first resource conversion request may be determined as a submission time for the user to submit the first resource conversion request.

Or, after the first resource conversion request sent by the user is checked, judged, generated and packaged by the first resource conversion platform, the first resource conversion request is sent to the bank by the first resource conversion platform for processing, and at this time, the time from the sending of the first resource conversion request by the first resource conversion platform to the processing by the bank can be determined as the request time of the first resource conversion request.

S203, if the request time corresponding to the first resource conversion request does not belong to the operation time of the current date of the first resource conversion channel, generating a second resource conversion request corresponding to a second resource conversion channel based on the first resource conversion request, wherein the request time of the second resource conversion request belongs to the operation time of the second resource conversion channel, and executing the second resource conversion request through the second resource conversion channel.

In some possible embodiments, the request time corresponding to the first resource conversion request may be compared with the operating time of the current date of the first resource conversion channel, and if the request time corresponding to the first resource conversion request does not belong to the operating time of the current date of the first resource conversion channel, the first resource conversion request may be processed through the second resource conversion channel, a second resource conversion request corresponding to the first resource conversion request may be generated, and the second resource conversion request may be executed at the operating time of the second resource conversion channel.

Specifically, taking as an example the first resource conversion request in the first resource conversion channel (domestic resource conversion channel) requesting to buy 100USD, assuming that the user requests to buy 100USD after 18:00 on 2020.5.11 days (T0 days) and before 9:00 on 5.12 days (i.e., 5 month 12 days) (e.g., 5.11 night 23:00), since the request time of buying 100USD is not the operating time of the current date (5 month 11 days) of the first resource conversion channel, the first resource conversion request can be sent to the second resource conversion channel by borrowing the second resource conversion channel (overseas resource conversion channel), and the first resource conversion request can be processed by the second resource conversion channel.

It should be noted that the operation time of the domestic resource conversion channel and the overseas resource conversion channel is not exactly the same. For example, an inbound resource transfer channel may only support weekday daytime transactions, while an outbound resource transfer channel may support weekday 24 hour resource transfer transactions throughout the day. Therefore, the above-described manner of borrowing the second resource transfer channel (the overseas resource transfer channel) is theoretically possible.

By the embodiment, when the first resource conversion request is received in the non-operation time of the first resource conversion channel, the first resource conversion request can be processed through the second resource conversion channel in a manner of borrowing the second resource conversion channel, so that the flexibility of processing the resource conversion request is improved.

For the above step S203, the following method can be implemented:

in an optional embodiment, further comprising: executing the first resource conversion request at an operation time of a date next to the current date of the first resource conversion channel; and executing the reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel.

Optionally, the second resource conversion request corresponds to the first resource conversion request, and the second resource conversion request is a request corresponding to a second resource conversion channel. In other words, the second resource conversion request is essentially the same amount of funds as requested by the first resource conversion request, except that the second resource conversion request is performed by the second resource conversion channel.

Referring to fig. 5, fig. 5 is a schematic flowchart of another resource conversion method according to an embodiment of the present application. In an alternative example, the first resource translation request may be processed as follows:

s301, a first resource conversion request corresponding to a first resource conversion channel is obtained through a first resource conversion platform.

For the above step S301, see step S201, and will not be described in detail here.

S302, determining the request time corresponding to the first resource conversion request.

See step S202 for the above step S302, and will not be described in detail here.

S303, if the request time corresponding to the first resource conversion request does not belong to the operation time of the current date of the first resource conversion channel, executing a second resource conversion request through the second resource conversion channel.

In case that the request time of the first resource conversion request does not belong to the operation time of the current date of the first resource conversion channel, a second resource conversion request corresponding to the first resource conversion request may be generated and then the second resource conversion request is executed by the second resource conversion channel.

S304, the first resource conversion request is executed at the operation time of the next date of the current date of the first resource conversion channel.

Then, the first resource conversion request is normally executed at an operation time of a date next to the current date of the first resource conversion channel.

S305, executing the reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel.

And finally, executing a reverse resource conversion request corresponding to the second resource conversion request in the second resource conversion channel. The reverse resource conversion request may specifically be an overseas reverse resource conversion request. For example, the second resource conversion request may be to sell 100USD through an outbound resource conversion channel. It is understood that the second resource conversion request may be determined according to the actual requirement of the user, and is not limited herein.

In practical applications, the factor of delivery date needs to be considered, and for the step S305, in an alternative embodiment, the performing of the reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel may be implemented in the following manner: executing the reverse resource conversion request through the second resource conversion channel on the delivery date of the reverse resource conversion request; the second resource conversion request and the reverse resource conversion request have the same delivery date, and the delivery date of the second resource conversion request is later than that of the first resource conversion request.

Referring to fig. 6, fig. 6 is a schematic flowchart illustrating a process of processing a first resource conversion request through a second resource conversion channel according to an embodiment of the present application. As shown in fig. 6, the following description takes the first resource transformation request as the purchase 100USD as an example, and the specific process is as follows:

step 1, the user sends a first resource conversion request after 18:00 on 2020.5.11 days and before 9:00 on 5.12 days (e.g., 23:00pm on 5.11 days), which may be a request to buy 100 USD.

Wherein the expected delivery date for the first resource conversion request (requesting to buy 100USD) is 5.12 days. The first resource conversion request was 5.11 days T0, 5.12 days T1, and 5.13 days T2.

Step 2, determining the request time of the first resource conversion request, wherein the request time is after 18:00 on 2020.5.11 days and before 9:00 on 5.12 days (such as 23:00 on 5.11 nights).

And 3, because the request time of the first resource conversion request does not belong to the operation time of the current date (5.11 days) of the first resource conversion channel, at this time, a second resource conversion request (100 USD is bought through the second resource conversion channel request) corresponding to the first resource conversion request can be generated, the second resource conversion request can be sent to the second resource conversion channel by borrowing the second resource conversion channel, the second resource conversion request is processed by the second resource conversion channel, and 100USD is bought in the second resource conversion channel.

Wherein, the delivery date of the second resource conversion request (requesting to buy 100USD through the second resource conversion channel) is 5.13 days. That is, the delivery date of the second resource conversion request is guaranteed to be later than the delivery date of the first resource conversion request.

And 4, normally processing the first resource conversion request at the operating time (such as 9:30 in the morning of 5.12 days) of the next date of the current date (5.11 days) of the first resource conversion channel, and buying 100 USDs in the first resource conversion channel.

Since the first resource conversion channel cannot process the first resource conversion request at the non-operation time (18: 00-5.12 days 9:00 on 5.11), and normally processes the first resource conversion request at 9:30 in the 5.12 morning of the first resource conversion channel, the actual delivery date of the first resource conversion request is 5.12 days.

And 5, on the delivery date of the reverse resource conversion request, executing a reverse resource conversion request corresponding to the second resource conversion request through a second resource conversion channel.

Specifically, since the second resource conversion channel bought 100USD, the reverse resource conversion request (selling 100USD through the second resource conversion channel request) corresponding to the second resource conversion request (buying 100USD through the second resource conversion channel request) needs to be executed through the second resource conversion channel for leveling, and 100USD can be sold in reverse at 5.13 as shown in fig. 5.

Wherein, the delivery dates of the reverse resource conversion request and the second resource conversion request are the same and are 5.13 days.

In order to more clearly illustrate the beneficial effects of the embodiments of the present application with respect to the prior art solutions, the following description is made with reference to fig. 7.

Referring to fig. 7, fig. 7 is a schematic diagram illustrating a principle corresponding to a resource conversion method according to an embodiment of the present application. The abscissa in fig. 7 represents time, the ordinate represents exchange rate, the broken line represents a change curve of the outbound exchange rate, and the solid line represents a change curve of the inbound exchange rate.

As shown in fig. 7, the resource conversion platform receives a resource conversion request (domestic resource conversion request, USD is bought with CNY request) at 11 pm of 5.11 days (i.e. 5 months and 11 days), and since the next transaction day of 5.11 days is 5.12 days, the resource conversion platform needs to bear the capital loss caused by the exchange rate change of the resource conversion target currency (e.g. the resource conversion target currency corresponding to the first resource conversion request am) from 23:00pm of 5.11 days to 9:30 of 5.12 days in the normal processing manner. Where USD in FIG. 7 represents USD, CNY represents the onshore RMB, and CNH represents the offshore RMB.

However, in the extravehicular manner of the present application, the resource transformation platform only needs to bear the profit and loss risks caused by the extravehicular rate difference of 5.11 days and the extravehicular rate difference of 5.12 days.

Specifically, as shown in fig. 7, according to a general processing manner in the prior art, 100USD is requested to be bought at 23:00 o' clock on 5.11 days, where the first resource conversion platform earns 680CNY, and according to the general processing manner, 100USD can be bought only at 9:30am on 5.12 days, where the first resource conversion platform needs to consume 700CNY (i.e. 700CNY corresponding to buying 100USD in fig. 7), then, according to the general processing manner, the exchange rate loss of the first resource conversion platform is: 680- "700 ═ 20.

In the method of the present application, 100USD is requested to be bought at 23:00 on day 5.11, at which time the first resource transformation platform receives 680CNY, at which time 100USD is bought overseas by means of overseas, and the first resource transformation platform consumes 680CNY (i.e. corresponding to 680CNY consumed by overseas buying 100USD in fig. 7); buying 100USD in 9:30am on 5.12 days, at which time the first resource conversion platform needs to consume 700CNY (i.e. 700CNY corresponding to buying 100USD in fig. 7), and selling 100USD reversely on 5.12 days, the first resource conversion platform receives 699CNY (i.e. 100USD (buy-back 699CNY) corresponding to selling reversely in fig. 7), then according to the resource conversion mode outside the lending channel of the present application, the exchange rate loss of the first resource conversion platform is: 680680 + 700+699 is-1, and obviously, the exchange rate loss of the method is smaller.

Specifically, since the user initiates the transaction to the first resource conversion platform 5.11 days later, the account balance of the first resource conversion platform is (denomination currency: 680, USD: -100). The local currency of the first resource conversion platform is assumed to be RMB, and the holding of the RMB does not have the risk of position taking. However, the concept of this case is equivalent to that the first resource conversion platform holds $ 100 in renminbi, and therefore suffers from the fluctuation of the exchange rate of $ dollars, which leads to the fluctuation of the value of the part of 680 yuan renminbi of the first resource conversion platform, and thus there is a risk.

By borrowing the overseas mode, the dollar balance of-100 can be smoothed through overseas forward and reverse resource conversion. It is possible that the foreign resource conversion exchange rate is (RMB: -699, USD: +100) and the account balance of the resource conversion platform is (RMB: -1, USD: 0) after the trade is finished, and the profit and loss of the resource conversion platform is 1 RMB which is less, but the risk is controllable and is far less than that of carrying $ 100 and the like for hours.

As in the schemes of fig. 6 and fig. 7, the outbound forward resource conversion transaction (the second resource conversion request) is immediately issued by the first resource conversion platform after the transaction is completed by the user on day 5.11, and the inbound forward resource conversion transaction (the first resource conversion request) and the outbound reverse resource conversion transaction (the reverse resource conversion request corresponding to the second resource conversion request) are simultaneously issued on day 5.12. Thus, the time interval between the first transaction (the transaction between the first resource translation platform and the user) and the second transaction (the outbound forward resource translation transaction) is short, and the time interval between the third transaction (the inbound forward resource translation transaction) and the fourth transaction (the outbound reverse resource translation transaction) is also short.

The rate difference introduced thereby is simply the rate difference for the same time period while the overseas resource is transitioning transactions. And the exchange rate difference of resource conversion transaction of overseas RMB in the same time is very small, so that compared with the scheme in the prior art, the resource conversion risk is more controllable and smaller.

That is, the resource conversion platform only needs to undertake the intra-and-post sink rate differences for the day the first resource conversion request is submitted and the intra-and-post sink rate differences for the day the transaction requests and the second resource conversion request are initiated. At the same time, the transaction exchange rates inside and outside the country are similar, so that the position holding risk of the resource conversion platform can be greatly reduced by means of an overseas mode in the embodiment of the application.

In a possible embodiment, as long as the delivery date of the second resource conversion request and the reverse resource conversion request is guaranteed to be the same and the delivery date of the second resource conversion request is later than the delivery date of the first resource conversion request, in the examples shown in fig. 6 and 7, the delivery date of the reverse resource conversion request and the second resource conversion request may be any date after 5.12, such as 5.13 days, 5.14 days, 5.15 days, and the like.

It should be noted that the overseas forward resource conversion and the overseas reverse resource conversion do not have any fund change for the first resource conversion platform. For example, for overseas forward resource conversion, the first resource conversion platform may give the bank 700 RMB 2 days later and the bank 100 dollars by the time of the day, just in a commitment to the first resource conversion platform. Similarly, the overseas reverse resource conversion is carried out, namely, the first resource conversion platform gives 100 dollars to the bank, the bank gives 700 RMB to the first resource conversion platform (not necessarily 700, slight exchange rate difference exists), the two sets of forward and reverse resource conversion can complete 2 transactions of overseas forward resource conversion and overseas reverse resource conversion as long as the two sets of forward and reverse resource conversion fall on the same day, otherwise, the first resource conversion platform owes money to the bank, and the interest paid by the owed money is calculated by taking days as units, so the delivery days of the second resource conversion request and the reverse resource conversion request fall on the same day. The above 700 is only for illustration, and the present embodiment is not limited herein.

It is understood that the above is only an example, and the present embodiment is not limited thereto.

Through the embodiment, when the first resource conversion request is received in the non-operation time of the first resource conversion channel, the second resource conversion channel can be borrowed, the second resource conversion request corresponding to the first resource conversion request is processed by the second resource conversion channel, in order to meet the market rule, the leveling is needed, the reverse resource conversion request corresponding to the second resource conversion request is executed through the second resource conversion channel, and the first resource conversion request is also needed to be processed normally in the normal operation time of the first resource conversion channel.

And S204, if the request time corresponding to the first resource conversion request belongs to the operation time of the current date of the first resource conversion channel, processing the first resource conversion request through the first resource conversion channel.

In some possible embodiments, if the request time of the first resource conversion request belongs to the operation time of the current date of the first resource conversion channel, the first resource conversion request may be processed directly by the first resource conversion channel according to a normal flow.

The following description takes the first resource conversion request as an example for buying 100USD, and the specific process is as follows:

step 1, a first resource conversion request is sent at 10:00 of day 2020.5.12, which may be a request to buy a 100 USD.

And step 2, determining the request time of the first resource conversion request, wherein the request time is 2020.5.12 days 10: 00.

And 3, because the request time of the first resource conversion request belongs to the operation time of the current date (5.12 days) of the first resource conversion channel, the first resource conversion request can be normally processed at the operation time of the current date (5.12 days) of the first resource conversion channel, and 100 USDs are bought in the first resource conversion channel.

According to the embodiment, a first resource conversion request corresponding to a first resource conversion channel is acquired through a first resource conversion platform, then, the request time of the first resource conversion request is determined, if the request time corresponding to the first resource conversion request does not belong to the operation time of the current date of the first resource conversion channel, the first resource conversion request can be processed through a second resource conversion channel, and if the request time of the first resource conversion request belongs to the operation time of the current date of the first resource conversion channel, the first resource conversion request can be normally processed through the first resource conversion channel directly. In the existing scheme, if the first resource conversion request is received in non-operation time, the first resource conversion platform is required to hold funds corresponding to the first resource conversion request from the time when the first resource conversion request is received to the next tradeable day, and in such a long time, a large exchange rate fluctuation may occur, and the first resource conversion platform needs to bear a large fund risk.

The resource conversion method in the present application is to process a resource conversion request (such as the first resource conversion request mentioned above) by using an overseas resource conversion channel in order to reduce the time for holding the fund of a resource conversion platform (such as an domestic resource conversion platform). It should be noted that, in the above resource conversion method, it is necessary to ensure that the delivery dates of the overseas forward resource conversion and the overseas reverse resource conversion for risk hedging are consistent.

In an optional embodiment, the step S203 may be further implemented in a manner that the processing the first resource conversion request through the second resource conversion channel includes: generating a second resource conversion request; and sending the second resource conversion request to a resource conversion prepositive device corresponding to the second resource conversion channel, so as to send the second resource conversion request to a second resource conversion platform corresponding to the second resource conversion channel through the resource conversion prepositive device.

Referring to fig. 8, fig. 8 is a schematic flowchart illustrating another process for processing a first resource conversion request through a second resource conversion channel according to an embodiment of the present application. In an alternative example, the first resource translation request may be processed as follows:

s701, a first resource conversion request corresponding to a first resource conversion channel is obtained through a first resource conversion platform.

For the above step S701, see step S201 in detail, and will not be described in detail here.

S702, determining a request time corresponding to the first resource conversion request.

For the above step S702, see step S202 for details, which will not be described in detail here.

And S703, if the request time corresponding to the first resource conversion request does not belong to the operation time of the current date of the first resource conversion channel, generating a second resource conversion request.

Wherein the second resource conversion request is a request corresponding to the second resource conversion channel and the second resource conversion request corresponds to the first resource conversion request.

S704, the second resource conversion request is sent to the resource conversion pre-equipment corresponding to the second resource conversion channel, so that the second resource conversion request is sent to the second resource conversion platform corresponding to the second resource conversion channel through the resource conversion pre-equipment, and the second resource conversion request is executed through the second resource conversion platform.

The resource conversion front-end device can be understood as a front-end processor, and the front-end processor is mainly used as a device for data transfer between the resource conversion platform and the bank. In step S704, mainly referred to as an overseas resource conversion front-end device, is used to connect the overseas resource conversion platform and the overseas bank.

The second resource conversion platform can be understood as an overseas resource conversion platform, and the working day is an overseas resource conversion platform of a 24-hour working day all day.

S704, the first resource conversion request is executed at the operation time of the next date of the current date of the first resource conversion channel.

S705, a reverse resource conversion request corresponding to the second resource conversion request is executed through the second resource conversion channel.

It should be noted that the resource transition method in the embodiment of the present application needs to avoid the special scenario that the delivery date of the overseas resource transition is earlier than or equal to the delivery date of the domestic resource transition.

Referring to fig. 9, fig. 9 is a schematic diagram of the embodiment of the present application, which is not suitable for performing resource conversion via an overseas resource conversion channel. As shown in fig. 9, the following description takes the first resource transformation request as the purchase 100USD as an example, and the specific process is as follows:

step 1, a first resource conversion request is sent at 23:00 of day 2020.9.30, which may be a request to buy a 100 USD.

The expected delivery date for this first resource conversion request (requesting to buy 100USD) is 10.9 days, taking into account the vacation factors. The first resource conversion request was 2020.9.30 days T0, 2020.10.9 days domestic T1, and 10.13 days domestic T2.

And step 2, determining the request time of the first resource conversion request, wherein the request time is 23:00 of 2020.9.30 days.

And 3, because the request time of the first resource conversion request does not belong to the operation time of the current date (9.30 days) of the first resource conversion channel, at this time, the second resource conversion channel can be borrowed, and the second resource conversion channel executes the second resource conversion request corresponding to the first resource conversion request.

In the example shown in FIG. 9, the outbound T1 day for the second resource transfer request (by outbound forward buying 100 USDs) is 10.5 days later than the inbound T1 day 2020.10.9 day. In this case, since the first resource conversion request has not been completed yet, it is not suitable for the actual application scenario if the delivery date of the second resource conversion request is earlier than the delivery date of the first resource conversion request.

And 4, normally processing the first resource conversion request at the operating time (such as 9:30 in the morning of 10.9) of the next date of the current date (9.30 days) of the first resource conversion channel, and buying 100 USDs in the first resource conversion channel.

Since the first resource conversion channel cannot process the first resource conversion request in the non-operation time (23: 00pm in 9.30), the first resource conversion request can be normally processed in 9:30am in 10.9 am of the first resource conversion channel, and the actual delivery date of the first resource conversion request is 10.9 days.

In the example shown in fig. 9, the delivery date of the reverse resource conversion request corresponding to the second resource conversion request is 10.13. At this time, the delivery date of buying 100USD (second resource conversion request) in the forward direction abroad is different from the delivery date of selling 100USD (reverse resource conversion request) in the reverse direction abroad, which causes the resource conversion platform to hold funds for 10.5 days to 10.13 days, and greatly increases the risk of the resource conversion platform, so that the resource conversion method in the present application is avoided from being used in the scenario shown in fig. 9.

In a possible embodiment, the present application further provides a resource transformation system, where the system includes a first resource transformation channel, a first resource transformation platform, a first resource transformation pre-device, and a second resource transformation pre-device, where the first resource transformation channel is communicatively connected to the first resource transformation platform through the first resource transformation pre-device, and the first resource transformation platform is communicatively connected to the first resource transformation pre-device and the second resource transformation pre-device, respectively;

the first resource conversion platform is configured to obtain a first resource conversion request corresponding to a first resource conversion channel, determine a request time corresponding to the first resource conversion request, generate a second resource conversion request when the request time corresponding to the first resource conversion request does not belong to an operation time of a current date of the first resource conversion channel, and send the second resource conversion request to the second resource conversion prepositive device, where the resource conversion request is a request corresponding to the second resource conversion channel, and the second resource conversion request corresponds to the first resource conversion request;

the second resource conversion prepositive equipment is used for receiving and processing a second resource conversion request;

the first resource conversion pre-equipment is configured to send the first resource conversion request to the first resource conversion channel if a request time corresponding to the first resource conversion request belongs to an operation time of a current date of the first resource conversion channel;

the first resource conversion channel is configured to process the received first resource conversion request.

In a possible embodiment, the system further includes a second resource transformation platform, where the first resource transformation platform is communicatively connected to the second resource transformation platform through the second resource transformation front-end device;

the second resource conversion prepositive equipment is used for sending a second resource conversion request to a second resource conversion platform when receiving the second resource conversion request;

the second resource conversion platform is configured to process the received second resource conversion request.

In one possible embodiment, the system further comprises a second resource transformation channel, the second resource transformation channel being communicatively coupled to the second resource transformation platform;

the second resource conversion channel is used for executing the received second resource conversion request;

the second resource conversion channel is further configured to execute a reverse resource conversion request corresponding to the second resource conversion request.

The resource conversion system is described in detail below with reference to fig. 10. Referring to fig. 10, fig. 10 is a schematic structural diagram of a resource conversion system provided in the present application. As shown in fig. 10, the following description takes the first resource transformation request as the purchase 100USD as an example, and the specific process is as follows:

step 1, a user initiates a first resource conversion request at 21:00 of 2020.5.11 days through a service system, and sends the first resource conversion request to a first resource conversion platform, wherein the first resource conversion request can be a request to buy 100 USDs.

And 2, the first resource conversion platform determines the request time of the first resource conversion request, wherein the request time is 21:00 of 2020.5.11 days.

And 3, because the request time of the first resource conversion request does not belong to the operation time of the current date (5.11 days) of the first resource conversion channel, at this time, a second resource conversion request (buying 100USD through the second resource conversion channel request) corresponding to the first resource conversion request can be generated, the first resource conversion platform sends the second resource conversion request to the second resource conversion preposed device, then the second resource conversion preposed device sends the second resource conversion request to the second resource conversion platform, the second resource conversion platform sends the second resource conversion request to the second resource conversion channel, the second resource conversion channel processes the second resource conversion request, and 100USD is bought in the second resource conversion channel.

And 4, at the operation time (such as 9:30 in the morning of 5.12) of the next date of the current date (5.11 days) of the first resource conversion channel, the first resource conversion platform sends the first resource conversion request to the first resource conversion prepositive device, then the first resource conversion prepositive device sends the first resource conversion request to the first resource conversion channel, the first resource conversion channel normally processes the first resource conversion request, and 100 USDs are bought in the first resource conversion channel.

And 5, the first resource conversion platform sends a reverse resource conversion request corresponding to the second resource conversion request to the second resource conversion preposed device, then the second resource conversion preposed device sends the reverse resource conversion request to the second resource conversion platform, then the second resource conversion platform sends the reverse resource conversion request to the second resource conversion channel, the second resource conversion channel processes the reverse resource conversion request, and 100 USDs are sold reversely in the second resource conversion channel.

The first resource conversion pre-device and the second resource conversion pre-device may be understood as a pre-processor, and the pre-processor is mainly used as a device for data transfer between the resource conversion platform and the bank. The first resource conversion preposition device mainly refers to an domestic resource conversion preposition device which is used for connecting a first resource conversion platform (domestic resource conversion platform) and a first resource conversion channel (domestic bank). The second resource conversion prepositive device mainly refers to an overseas resource conversion prepositive device and is used for connecting a second resource conversion platform (an overseas resource conversion platform) and a second resource conversion channel (an overseas bank).

In the embodiment of the present application, each electronic device (including but not limited to an electronic device of each resource conversion platform, each resource conversion pre-device, an electronic device corresponding to each resource conversion channel, and a client used by a user to connect to the resource conversion platform) may be a node of a blockchain system, and a server (including but not limited to a server providing a resource conversion service of a bank, a server of each resource conversion platform, a server of each resource conversion pre-device, and a server corresponding to each resource conversion channel) related to may be a blockchain server, and data required to be stored in the embodiment of the present application may also be stored in the blockchain node. The resource conversion system related to the embodiment of the application can be a distributed system formed by connecting a client, a plurality of blockchain nodes (any form of computing devices in an access network, such as servers and user terminals) through a network communication form.

Taking a distributed system as an example of a blockchain system, referring To fig. 11, fig. 11 is an optional structural schematic diagram of the distributed system 100 applied To the blockchain system provided in the embodiment of the present invention, and is formed by a plurality of nodes 200 (computing devices in any form in an access network, such as servers and user terminals) and a client 300, a Peer-To-Peer (P2P, Peer To Peer) network is formed between the nodes, and the P2P Protocol is an application layer Protocol operating on a Transmission Control Protocol (TCP). In a distributed system, any machine, such as a server or a terminal, can join to become a node, which includes a hardware layer, an intermediate layer, an operating system layer, and an application layer.

Referring to the functions of each node in the blockchain system shown in fig. 11, the functions involved include:

1) routing, a basic function that a node has, is used to support communication between nodes.

Besides the routing function, the node may also have the following functions:

2) the application is used for being deployed in a block chain, realizing specific services according to actual service requirements, recording data related to the realization functions to form recorded data, carrying a digital signature in the recorded data to represent a source of task data, and sending the recorded data to other nodes in the block chain system, so that the recorded data is added to a temporary block when the other nodes verify the source and the integrity of the recorded data.

For example, the services implemented by the application include:

2.1) wallet, for providing the function of transaction of electronic money, including initiating transaction (i.e. sending the transaction record of current transaction to other nodes in the blockchain system, after the other nodes are successfully verified, storing the record data of transaction in the temporary blocks of the blockchain as the response of confirming the transaction is valid; of course, the wallet also supports the querying of the remaining electronic money in the electronic money address;

and 2.2) sharing the account book, wherein the shared account book is used for providing functions of operations such as storage, query and modification of account data, record data of the operations on the account data are sent to other nodes in the block chain system, and after the other nodes verify the validity, the record data are stored in a temporary block as a response for acknowledging that the account data are valid, and confirmation can be sent to the node initiating the operations.

2.3) Intelligent contracts, computerized agreements, which can enforce the terms of a contract, implemented by codes deployed on a shared ledger for execution when certain conditions are met, for completing automated transactions according to actual business requirement codes, such as querying the logistics status of goods purchased by a buyer, transferring the buyer's electronic money to the merchant's address after the buyer signs for the goods; of course, smart contracts are not limited to executing contracts for trading, but may also execute contracts that process received information.

3) And the Block chain comprises a series of blocks (blocks) which are mutually connected according to the generated chronological order, new blocks cannot be removed once being added into the Block chain, and the blocks record the record data submitted by the nodes in the Block chain system.

Referring to fig. 12, fig. 12 is an optional schematic diagram of a Block Structure (Block Structure) according to an embodiment of the present invention, where each Block includes a hash value of a transaction record stored in the Block (hash value of the Block) and a hash value of a previous Block, and the blocks are connected by the hash values to form a Block chain. The block may include information such as a time stamp at the time of block generation. A block chain (Blockchain), which is essentially a decentralized database, is a string of data blocks associated by using cryptography, and each data block contains related information for verifying the validity (anti-counterfeiting) of the information and generating a next block.

Referring to fig. 13, fig. 13 is a schematic structural diagram of a resource conversion apparatus according to an embodiment of the present application. The resource conversion apparatus 1 provided in the embodiment of the present application includes:

a resource conversion request obtaining module 11, configured to obtain, by a first resource conversion platform, a first resource conversion request corresponding to a first resource conversion channel;

a time determining module 12, configured to determine a request time corresponding to the first resource conversion request;

a first processing module 13, configured to generate a second resource conversion request corresponding to a second resource conversion channel based on the first resource conversion request if a request time corresponding to the first resource conversion request does not belong to an operation time of a current date of the first resource conversion channel, where the request time of the second resource conversion request belongs to the operation time of the second resource conversion channel, and execute the second resource conversion request through the second resource conversion channel;

the first processing module includes:

a second processing module 14, configured to process the first resource conversion request through the first resource conversion channel if a request time corresponding to the first resource conversion request belongs to an operation time of the current date of the first resource conversion channel.

In some possible embodiments, the second processing unit is configured to:

In some possible embodiments, the first processing module is configured to:

In some possible embodiments, the first resource conversion channel and the second resource conversion channel correspond to different legal currency.

In a specific implementation, the resource conversion apparatus 1 may execute the implementation manners provided in the steps in fig. 4, fig. 5, and fig. 8 through the built-in functional modules, which may specifically refer to the implementation manners provided in the steps, and no further description is given here.

The above description mainly describes that the execution subject is hardware to implement the resource conversion method in the present application, but the execution subject of the resource conversion method in the present application is not limited to hardware, and the execution subject of the resource conversion method in the present application may also be software, and the resource conversion apparatus may be a computer program (including program code) running in a computer device, for example, the resource conversion apparatus is an application software; the apparatus may be used to perform the corresponding steps in the methods provided by the embodiments of the present application.

In some embodiments, the resource transformation apparatus provided in the embodiments of the present invention may be implemented by a combination of hardware and software, and by way of example, the resource transformation apparatus 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 resource transformation method provided in the embodiments of the present invention, for example, the processor in the form of the hardware decoding processor may be 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 components.

In other embodiments, the resource converting apparatus provided in the embodiment of the present invention may be implemented in a software manner, and the resource converting apparatus 1 shown in fig. 13 may be software in the form of a program, a plug-in, and the like, and includes a series of modules, including a resource conversion request obtaining module 11, a time determining module 12, a first processing module 13, and a second processing module 14; the resource conversion request obtaining module 11, the time determining module 12, the first processing module 13, and the second processing module 14 are configured to implement the resource conversion method provided in the embodiment of the present invention.

Referring to fig. 14, fig. 14 is a schematic structural diagram of an electronic device according to an embodiment of the present application. As shown in fig. 14, the electronic device 1000 in the present embodiment may include: the processor 1001, the network interface 1004, and the memory 1005, and the electronic device 1000 may further include: a user interface 1003, and at least one communication bus 1002. Wherein a communication bus 1002 is used to enable connective communication between these components. The user interface 1003 may include a Display screen (Display) and a Keyboard (Keyboard), and the optional user interface 1003 may also include a standard wired interface and a standard wireless interface. The network interface 1004 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface). The memory 1004 may be a high-speed RAM memory or a non-volatile memory (e.g., at least one disk memory). The memory 1005 may optionally be at least one memory device located remotely from the processor 1001. As shown in fig. 14, a memory 1005, which is a kind of computer-readable storage medium, may include therein an operating system, a network communication module, a user interface module, and a device control application program.

In the electronic device 1000 shown in fig. 14, the network interface 1004 may provide a network communication function; the user interface 1003 is an interface for providing a user with input; and the processor 1001 may be used to invoke the computer program stored in the memory 1005 to implement: acquiring a first resource conversion request corresponding to a first resource conversion channel through a first resource conversion platform; determining a request time corresponding to the first resource conversion request; if the request time corresponding to the first resource conversion request does not belong to the operation time of the current date of the first resource conversion channel, generating a second resource conversion request corresponding to a second resource conversion channel based on the first resource conversion request, wherein the request time of the second resource conversion request belongs to the operation time of the second resource conversion channel, and the second resource conversion request is executed through the second resource conversion channel; executing the first resource conversion request at an operation time of a date next to the current date of the first resource conversion channel; executing a reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel; and if the request time corresponding to the first resource conversion request belongs to the operation time of the current date of the first resource conversion channel, processing the first resource conversion request through the first resource conversion channel.

It should be understood that in some possible embodiments, the processor 1001 may be a Central Processing Unit (CPU), and the processor may be other general purpose processors, Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), field-programmable gate arrays (FPGAs) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, and the like. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The memory may include both read-only memory and random access memory, and provides instructions and data to the processor. The portion of memory may also include non-volatile random access memory. For example, the memory may also store device type information.

In a specific implementation, the electronic device 1000 may execute, through each built-in functional module thereof, the implementation manners provided in the steps in fig. 4, fig. 5, and fig. 8, which may be referred to specifically for the implementation manners provided in the steps, and are not described herein again.

An embodiment of the present application further provides a computer-readable storage medium, where a computer program is stored in the computer-readable storage medium, and is executed by a processor to implement the methods provided in each step in fig. 4, fig. 5, and fig. 8, which may specifically refer to implementation manners provided in each step, and are not described herein again.

The computer readable storage medium may be an internal storage unit of the task processing device provided in any of the foregoing embodiments, for example, a hard disk or a memory of an electronic device. The computer readable storage medium may also be an external storage device of the electronic device, such as a plug-in hard disk, a Smart Memory Card (SMC), a Secure Digital (SD) card, a flash card (flash card), and the like, which are provided on the electronic device. The computer readable storage medium may further include a magnetic disk, an optical disk, a read-only memory (ROM), a Random Access Memory (RAM), and the like. Further, the computer readable storage medium may also include both an internal storage unit and an external storage device of the electronic device. The computer-readable storage medium is used for storing the computer program and other programs and data required by the electronic device. The computer readable storage medium may also be used to temporarily store data that has been output or is to be output.

Embodiments of the present application provide a computer program product or computer program comprising computer instructions stored in a computer readable storage medium. The processor of the electronic device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions to cause the computer device to perform the method provided by any one of the possible embodiments of fig. 4, fig. 5, and fig. 8.

The terms "first", "second", and the like in the claims and in the description and drawings of the present application are used for distinguishing between different objects and not for describing a particular order. Furthermore, the terms "include" and "have," as well as any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those steps or elements listed, but may alternatively include other steps or elements not listed, or inherent to such process, method, article, or apparatus. Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the application. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. It is explicitly and implicitly understood by one skilled in the art that the embodiments described herein can be combined with other embodiments. The term "and/or" as used in this specification and the appended claims refers to and includes any and all possible combinations of one or more of the associated listed items.

Those of ordinary skill in the art will appreciate that the elements and algorithm steps of the examples described in connection with the embodiments disclosed herein may be embodied in electronic hardware, computer software, or combinations of both, and that the components and steps of the examples have been described in a functional general in the foregoing description for the purpose of illustrating clearly the interchangeability of hardware and software. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.

The above disclosure is only for the purpose of illustrating the preferred embodiments of the present application and is not to be construed as limiting the scope of the present application, so that the present application is not limited thereto, and all equivalent variations and modifications can be made to the present application.

Claims

1. A method for resource conversion, the method comprising:

acquiring a first resource conversion request corresponding to a first resource conversion channel through a first resource conversion platform;

determining a request time corresponding to the first resource conversion request;

if the request time corresponding to the first resource conversion request does not belong to the operation time of the current date of the first resource conversion channel, generating a second resource conversion request corresponding to a second resource conversion channel based on the first resource conversion request, wherein the request time of the second resource conversion request belongs to the operation time of the second resource conversion channel, and executing the second resource conversion request through the second resource conversion channel; executing the first resource conversion request at an operation time of a date next to the current date of the first resource conversion channel; executing a reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel;

2. The method of claim 1, wherein the executing the reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel comprises:

3. The method of claim 1, wherein said executing the second resource conversion request via the second resource conversion channel comprises:

and sending the second resource conversion request to a resource conversion prepositive device corresponding to the second resource conversion channel, so that the second resource conversion request is sent to a second resource conversion platform corresponding to the second resource conversion channel through the resource conversion prepositive device.

4. The method of any of claims 1 to 3, wherein the first resource conversion channel and the second resource conversion channel correspond to different fiat currency.

5. An apparatus for resource translation, the apparatus comprising:

the first processing module comprises:

the second processing unit is used for executing a reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel;

and the second processing module is used for processing the first resource conversion request through the first resource conversion channel if the request time corresponding to the first resource conversion request belongs to the operation time of the current date of the first resource conversion channel.

6. A resource conversion system is characterized by comprising a first resource conversion channel, a first resource conversion platform, a first resource conversion preposition device, a second resource conversion platform and a second resource conversion channel, wherein the first resource conversion channel is in communication connection with the first resource conversion platform through the first resource conversion preposition device, the first resource conversion platform is in communication connection with the first resource conversion preposition device and the second resource conversion preposition device respectively, the first resource conversion platform is in communication connection with the second resource conversion platform through the second resource conversion preposition device, and the second resource conversion channel is in communication connection with the second resource conversion platform;

the second resource conversion platform is used for sending the second resource conversion request to the second resource conversion channel when receiving the second resource conversion request;

the first resource conversion channel is used for executing the first resource conversion request at the operating time of the next date of the current date of the first resource conversion channel;

the second resource conversion channel is used for executing a reverse resource conversion request corresponding to the second resource conversion request;

the first resource conversion prepositive device is used for sending the first resource conversion request to the first resource conversion channel if the request time corresponding to the first resource conversion request belongs to the operation time of the current date of the first resource conversion channel; and the first resource conversion channel is used for processing the received first resource conversion request.

7. The system of claim 6, wherein the second resource conversion channel executing the reverse resource conversion request corresponding to the second resource conversion request comprises:

8. The system of claim 6 or 7, wherein the first resource conversion channel and the second resource conversion channel correspond to different fiat currency.

9. An electronic device comprising a processor and a memory, the processor and the memory being interconnected;

the memory is used for storing a computer program;

the processor is configured to perform the method of any of claims 1 to 4 when the computer program is invoked.

10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which is executed by a processor to implement the method of any one of claims 1 to 4.