CN114445209A - Resource conversion method, device, electronic device, and storage medium - Google Patents

Abstract

The embodiments of the present application disclose a resource conversion method, apparatus, electronic device, and storage medium, which are applicable to fields such as cloud technology and big data. 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 first resource conversion request the operation time of the resource conversion channel on the current date, then based on the first resource conversion request, a second resource conversion request corresponding to the second resource conversion channel is generated, and the request time of the second resource conversion request belongs to the operation time of the second resource conversion channel, Execute the second resource conversion request through the second resource conversion channel; execute the first resource conversion request at the operating time of the date next to the current date of the first resource conversion channel; execute the reverse corresponding to the second resource conversion request through the second resource conversion channel Convert the request to the resource.

Description

Resource conversion method, device, electronic device, and storage medium

technical field

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

Background technique

At present, more and more people will convert resources through domestic banks to achieve currency conversion.

When the resource conversion transaction request is received during the non-trading time of domestic banks, it will choose to postpone the resource conversion transaction to the next transaction time. For the resource conversion platform, the resource conversion platform generally needs to hold this part of the funds during the period from the resource conversion transaction request accepted by the domestic bank during the non-tradable time to the next tradable time. However, there may be large exchange rate fluctuations in such a long period of time, and there is a problem of bringing a large capital risk to the resource conversion platform. However, there is no effective solution in the prior art for this problem.

SUMMARY OF THE INVENTION

The embodiments of the present application provide a resource conversion method, device, electronic device, and storage medium, which can process a first resource conversion request corresponding to the first resource conversion channel through a second resource conversion channel, thereby reducing the capital risk of the resource conversion platform, The effect of improving the security of the resource conversion platform is achieved.

On the one hand, the embodiment of the present application provides a resource conversion method, the method includes:

Obtain a first resource conversion request corresponding to the first resource conversion channel through the first resource conversion platform; determine the request time corresponding to the first resource conversion request;

If the request time corresponding to the above-mentioned first resource conversion request does not belong to the operation time of the current date of the above-mentioned first resource conversion channel, then based on the above-mentioned first resource conversion request, a second resource conversion request corresponding to the second resource conversion channel is generated, and the above-mentioned first resource conversion request is generated. The request time of the second resource conversion request belongs to the operation time of the above-mentioned second resource conversion channel, and the above-mentioned second resource conversion request is executed through the above-mentioned second resource conversion channel; in the operation time of the next date after the current date of the above-mentioned first resource conversion channel Execute the above-mentioned first resource conversion request; execute the reverse resource conversion request corresponding to the above-mentioned second resource conversion request through the above-mentioned second 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, the first resource conversion request is processed through the first resource conversion channel.

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

On the delivery date of the above-mentioned reverse resource conversion request, execute the above-mentioned reverse resource conversion request through the above-mentioned second resource conversion channel;

The delivery date of the second resource conversion request and the reverse resource conversion request is 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 an optional embodiment, the above-mentioned executing the above-mentioned second resource conversion request through the above-mentioned second resource conversion channel includes:

Send the above-mentioned second resource conversion request to the resource conversion front-end device corresponding to the above-mentioned second resource conversion channel, so as to send the above-mentioned second resource conversion request to the second resource conversion channel corresponding to the above-mentioned second resource conversion channel through the above-mentioned resource conversion front-end device. Resource conversion platform.

In an optional embodiment, the legal currency corresponding to the first resource conversion channel and the second resource conversion channel are different.

On the one hand, an embodiment of the present application provides a resource conversion device, and the device includes:

a resource conversion request obtaining module, configured to obtain a first resource conversion request corresponding to the first resource conversion channel through the first resource conversion platform;

a time determination module, configured to determine the request time corresponding to the above-mentioned first resource conversion request;

The first processing module is configured to, if the request time corresponding to the above-mentioned first resource conversion request does not belong to the operation time of the current date of the above-mentioned first resource conversion channel, based on the above-mentioned first resource conversion request, generate a corresponding to the second resource conversion channel. the second resource conversion request, the request time of the second resource conversion request belongs to the operation time of the above-mentioned second resource conversion channel, and the above-mentioned second resource conversion request is executed through the above-mentioned second resource conversion channel;

The first processing module includes:

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

The second processing module is configured to process 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.

In an optional embodiment, the above-mentioned second processing unit is used for:

On the delivery date of the above-mentioned reverse resource conversion request, the above-mentioned reverse resource conversion request is executed through the above-mentioned second resource conversion channel, wherein the above-mentioned second resource conversion request and the above-mentioned reverse resource conversion request The delivery date of the conversion request is later than the delivery date of the above-mentioned first resource conversion request.

In an optional embodiment, the above-mentioned first processing module is used for:

Send the above-mentioned second resource conversion request to the resource conversion front-end device corresponding to the above-mentioned second resource conversion channel, so as to send the above-mentioned second resource conversion request to the second resource conversion channel corresponding to the above-mentioned second resource conversion channel through the above-mentioned resource conversion front-end device. Resource conversion platform.

In an optional embodiment, the legal currency corresponding to the first resource conversion channel and the second resource conversion channel are different.

On the one hand, an embodiment of the present application provides a resource conversion system, and the above system includes a first resource conversion channel, a first resource conversion platform, a first resource conversion pre-equipment, a second resource conversion pre-equipment, and a second resource conversion pre-equipment. A platform and a second resource conversion channel, wherein the first resource conversion channel is communicatively connected to the first resource conversion platform through the first resource conversion front-end device, and the first resource conversion platform is respectively connected to the first resource conversion front-end device. Be in communication connection with the above-mentioned second resource conversion pre-equipment, the above-mentioned first resource conversion platform is in communication connection with the above-mentioned second resource conversion platform through the above-mentioned second resource conversion pre-equipment, and the above-mentioned second resource conversion channel is connected with the above-mentioned second resource conversion platform. communication connection;

The above-mentioned first resource conversion platform is configured to obtain a first resource conversion request corresponding to the first resource conversion channel, and determine the request time corresponding to the first resource conversion request, where the request time corresponding to the first resource conversion request does not belong to the above-mentioned first resource conversion request. the operation time of the first resource conversion channel on the current date, generate a second resource conversion request and send it to the above-mentioned second resource conversion front-end device, wherein the above-mentioned second resource conversion request is a request corresponding to the above-mentioned second resource conversion channel, and The above-mentioned second resource conversion request corresponds to the above-mentioned first resource conversion request;

The above-mentioned second resource conversion front-end device is configured to send the above-mentioned second resource conversion request to the above-mentioned second resource conversion platform when receiving the above-mentioned second resource conversion request;

The above-mentioned second resource conversion platform is configured to send the above-mentioned second resource conversion request to the above-mentioned second resource conversion channel when receiving the above-mentioned second resource conversion request;

The above-mentioned second resource conversion channel is used to execute the received above-mentioned second resource conversion request;

The above-mentioned first resource conversion channel is used to execute the above-mentioned first resource conversion request at the operation time of the next date after the current date of the above-mentioned first resource conversion channel;

The above-mentioned second resource conversion channel is used to execute a reverse resource conversion request corresponding to the above-mentioned second resource conversion request;

The above-mentioned first resource conversion front-end device is configured to send the above-mentioned first resource conversion request to the above-mentioned first resource conversion channel if the request time corresponding to the above-mentioned first resource conversion request belongs to the operation time of the above-mentioned first resource conversion channel on the current date; The first resource conversion channel is used for processing the received first resource conversion request.

In an optional embodiment, the above-mentioned second resource conversion channel, performing a reverse resource conversion request corresponding to the above-mentioned second resource conversion request, includes:

On the delivery date of the above-mentioned reverse resource conversion request, execute the above-mentioned reverse resource conversion request;

The delivery date of the second resource conversion request and the reverse resource conversion request is 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 an optional embodiment, the legal currency corresponding to the first resource conversion channel and the second resource conversion channel are different.

On the one hand, an embodiment of the present application provides an electronic device, the electronic device includes a processor and a memory, the processor and the memory are connected to each other; the memory is used to store a computer program; the processor is configured to call the above computer During the program, the first aspect and/or the method provided by any possible implementation manner of the first aspect is executed.

On the one hand, an embodiment of the present application provides a computer-readable storage medium, where the computer-readable storage medium stores a computer program, and the computer program is executed by a processor to implement the above-mentioned first aspect and/or any one of the first aspects Methods provided by possible implementations.

In one aspect, an embodiment of the present application provides a computer program product or computer program, where the computer program product or computer program includes computer instructions, and the computer instructions are stored in a computer-readable storage medium. The processor of the electronic device reads the computer instruction from the computer-readable storage medium, and the processor executes the computer instruction, so that the computer device executes the method provided by any possible implementation manner of the foregoing resource conversion method.

The beneficial effects of the embodiments of the present application are:

In the embodiment of the present application, the first resource conversion request corresponding to the first resource conversion channel is obtained through the first resource conversion platform, and then the request time of the first resource conversion request is determined. The request time does not belong to the operation time of the current date of the first resource conversion channel, and the second resource conversion request corresponding to the first resource conversion request can be executed through the second resource conversion channel. If the request time of the first resource conversion request belongs to the first resource conversion channel The operation time of the resource conversion channel on the current date, then the first resource conversion request can be normally processed directly through the first resource conversion channel. In the existing solution, if the first resource conversion request is received during non-operational hours, the first resource conversion platform needs to be held by the first resource conversion platform during the period from the moment when the first resource conversion request is received to the next trading day. The funds corresponding to the first resource conversion request may fluctuate greatly in the exchange rate during such a long period of time, and the first resource conversion platform needs to bear a lot of capital risks, and the above method can be used in the first resource conversion channel. When the current date is non-operational time, the second resource conversion request corresponding to the first resource conversion request is executed through the second resource conversion channel, and the first resource conversion platform does not need to hold the funds during this period, which reduces resource conversion. The capital risk of the platform improves the security of the resource conversion platform.

Description of drawings

In order to illustrate the technical solutions in the embodiments of the present application more clearly, the following briefly introduces the drawings required in the embodiments. Obviously, the drawings in the following description are only some embodiments of the present application. For those of ordinary skill in the art, other drawings can also be obtained from these drawings without any creative effort.

Fig. 1 is the principle schematic diagram of prior art resource conversion scheme;

2 is a schematic diagram of an application environment of a resource conversion method provided by an embodiment of the present application;

3 is a schematic flowchart of a resource conversion method provided by an embodiment of the present application;

4 is a schematic flowchart of another resource conversion method provided by an embodiment of the present application;

5 is a schematic flowchart of another resource conversion method provided by an embodiment of the present application;

6 is a schematic flowchart of processing a first resource conversion request through a second resource conversion channel provided by an embodiment of the present application;

7 is a schematic diagram of a principle corresponding to a resource conversion method provided by an embodiment of the present application;

8 is another schematic flowchart of processing a first resource conversion request through a second resource conversion channel provided by an embodiment of the present application;

9 is a schematic diagram that is not suitable for resource conversion by overseas resource conversion channels in the embodiment of the present application;

10 is a schematic structural diagram of a resource conversion system provided by the application;

FIG. 11 is an optional schematic structural diagram of the distributed system 100 provided in the embodiment of the present invention applied to a blockchain system;

12 is an optional schematic diagram of a block structure (Block Structure) provided by an embodiment of the present invention;

13 is a schematic structural diagram of a resource conversion apparatus provided by an embodiment of the present application;

FIG. 14 is a schematic structural diagram of an electronic device provided by an embodiment of the present application.

Detailed ways

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. Obviously, the described embodiments are only a part of the embodiments of the present application, but not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present application.

The resource conversion method provided in the embodiments of the present application can be applied to various fields of cloud technology, such as cloud computing in cloud technology, cloud services, and related data computing and processing fields in the field of big data. The conversion platform obtains the first resource conversion request corresponding to the first resource conversion channel; determines the 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 , the first resource conversion request is processed through the second resource conversion channel; if the request time corresponding to the first resource conversion request belongs to the operating time of the current date of the first resource conversion channel, the first resource conversion channel is processed through the first resource conversion channel. The conversion request is processed.

Cloud technology refers to a hosting technology that unifies a series of resources such as hardware, software, and network 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 embodiments of the present application may be implemented based on cloud computing in cloud technology.

Cloud computing refers to obtaining the required resources through the network in an on-demand and easy-to-expand way. It is a grid computing, distributed computing, parallel computing, utility computing, network Storage (Network StorageTechnologies), virtualization (Virtualization), load balancing (Load Balance) and other traditional computer and network technology development and integration products.

Artificial intelligence cloud services are also generally referred to as AIaaS (AIas a Service). This is the current mainstream service method of artificial intelligence platforms. Specifically, the AIaaS platform will split several types of common artificial intelligence services and provide independent or packaged services in the cloud, such as processing resource conversion requests.

Big data refers to a collection of data that cannot be captured, managed and processed by conventional software tools within a certain time frame. , high growth rate and diversified information assets. With the advent of the cloud era, big data has also attracted more and more attention. Based on big data, special technologies are required to effectively implement the resource conversion method provided in this embodiment, wherein technologies applicable to big data include massively parallel processing databases, data mining, distributed file systems, distributed databases, and The above cloud computing, etc.

In some feasible implementation manners, the first resource conversion request includes, but is not limited to, obtaining the first resource conversion request through a smart device. The method of acquiring the first resource conversion request may be to acquire the pending instruction corresponding to the first resource conversion request, and then generate the first resource conversion request based on the pending instruction, wherein the pending instruction includes but is not limited to the intelligent question and answer process, using The instruction information for query, command, or communication, etc., can be specifically determined based on the requirements of the actual application scenario, which is not limited here. For example, after the user enters the dialogue information such as voice and text in the process of human-machine dialogue, the smart device needs to determine the real meaning expressed by the pending instructions to understand the real intention of the user, so as to execute the first corresponding to the real intention of the user. Resource conversion request. Alternatively, the first resource conversion request may also be related pending instructions of the first resource conversion request directly input by the user through the first resource conversion platform, and then the first resource conversion request is generated from these pending instructions.

Wherein, the above-mentioned smart devices include but are not limited to mobile phones, notebook computers, digital broadcast receivers, PDAs (personal digital assistants), PADs (tablet computers), PMPs (portable multimedia players), vehicle terminals (such as vehicle navigation terminals), etc. Mobile terminals and fixed terminals such as digital TVs and desktop computers can also be specifically determined based on actual application scenario requirements, which are not limited here.

The terms involved in the present invention are explained as follows:

Purchase of foreign exchange (resource conversion): exchange the local currency (here refers to RMB) to other currencies.

Reverse purchase of foreign exchange (reverse resource conversion): exchange other currencies for local currency (here refers to RMB).

Channel: an institution or unit that can provide resource conversion business support, mainly banks. In the embodiment of this application, the resource conversion channel actually refers to the electronic device of the institution or unit that provides resource conversion business support, such as the bank's providing resources Servers that convert business.

Domestic/Overseas Resource Conversion: The business-side customer specifies the resource conversion channel as a domestic or overseas resource conversion request operation.

Delivery Date: When the buyer of the option requires the seller of the option to perform the contract, the buyer and the seller pay the other party the currency purchased separately according to the contract.

The delivery period (Tenor, referred to as T) can also be the delivery day, and the number following T represents the number of trading days after the transaction to complete the delivery. For example, T0 represents the completion of the delivery on the same day; T2 represents the completion of the delivery on the second trading day after the resource conversion.

In the prior art, when a domestic resource conversion channel receives a resource conversion request during non-operational hours, the resource conversion platform will hold the Resource conversion requests the corresponding funds, and bear the capital risk caused by the exchange rate conversion during this period.

Referring to FIG. 1 , FIG. 1 shows the principle of the resource conversion solution in the prior art. As shown in Figure 1, the resource conversion platform receives a resource conversion request at 11:00 p.m. on day T (a domestic resource conversion request, a request to buy USD (United States dollar, U.S. dollar) in CNY (China Yuan, RMB)), because T The next trading day of the day is T+1 day, then the resource conversion platform needs to bear the capital loss caused by the exchange rate change from 11:00pm on T day to 9:30am on T+1 day. Among them, USD in Figure 1 represents the US dollar, and CNY represents the onshore RMB.

According to an aspect of the embodiments of the present invention, an asset conversion method is provided. Optionally, the resource conversion method can be applied, but not limited to, in the application environment shown in FIG. 2 . As shown in FIG. 2 , the resource conversion method may be applied, but not limited to, in the resource conversion system in the environment shown in FIG. 2 , wherein the resource conversion system may include, but is not limited to, a user terminal 101 , a network 102 , and a server 103 (the server corresponding to the first resource conversion platform), the server 104 (the server corresponding to the second resource conversion channel), and the server 105 (the server corresponding to the first resource conversion channel). A resource conversion application runs in the user terminal 101 , and the resource conversion application is an application capable of providing a resource conversion service for a user, and may be a web page application, an application program (Application, APP for short), or the like. The above-mentioned user terminal 101 includes a human-computer interaction screen 1011 , a processor 1012 and a memory 1013 . The human-computer interaction screen 1011 is used by the user to initiate a first resource request through the human-computer interaction screen. The processor 1012 is configured to process related operations of the first resource request. The memory 1013 is used for storing data related to the first resource request.

In addition, the server 103 includes a database 1031 and a processing engine 1032 . 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 processing the resource conversion request by the resource conversion method in the present application is as follows: steps S1-S9:

S1, the user initiates a first resource conversion request through the resource conversion application in the user terminal 101, and sends the first resource conversion request to the server 103 corresponding to the first resource conversion platform through the network 102.

S2, after receiving the first resource conversion request, the server 103 corresponding to the first resource conversion platform determines the request time of the first resource conversion request. If the request time does not belong to the operation time of the current date of the first resource conversion channel, then execute steps S3-S8; if the request time belongs to the operation time of the current date of the first resource conversion channel, execute steps S5 and S9.

S3, if the request time does not belong to the operation time of the current date of the first resource conversion channel, then based on the first resource conversion request, the processing engine 1032 generates a second resource conversion request corresponding to the second resource conversion channel, and sends the second resource conversion request to the second resource The server 104 corresponding to the conversion channel sends the second resource conversion request. 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 used for storing 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, at the operating time of the date next to the current date of the first resource conversion channel, the processing engine 1052 executes the first resource conversion request, wherein the database 1051 is used for storing 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 uses for storing 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, 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. 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 can be applied to the following scenarios:

The resource conversion operation times corresponding to the first resource conversion channel and the second resource conversion channel are not identical or completely different. For example, at the same time, the institution or unit corresponding to the first resource conversion channel is not operating hours, and the institution or unit corresponding to the second resource conversion channel is operating hours. When the operation time of the second resource conversion channel corresponds to the operation time of the date, the received resource conversion request may be processed by using the second resource conversion channel.

In order to understand the above-mentioned first resource conversion channel and the above-mentioned second resource conversion channel more clearly, in an optional embodiment, the legal currency corresponding to the above-mentioned first resource conversion channel and the above-mentioned second resource conversion channel is different. For example, the first resource conversion channel can be understood as a domestic bank (that is, an electronic device of a domestic bank that provides resource conversion services). The second resource conversion channel can be understood as an overseas bank (that is, an electronic device of an overseas bank that provides resource conversion services). Among them, the first resource conversion channel may be referred to as a domestic resource conversion channel, and the second resource conversion channel may be referred to as an overseas resource conversion channel. It can be understood that domestic and overseas are relative concepts. As an example, for example, domestic resource conversion The channel is mainland China, and the overseas resource conversion channel can be the United States. In this example, the legal currency of the domestic resource conversion channel can be RMB, and the legal currency of the overseas resource conversion channel can be US dollars.

In the following example, the resource conversion scenario is described in the 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. The legal currency of the first resource conversion channel is RMB. , the legal currency of the second resource conversion channel is USD. In practical applications, any other scenario applicable to this application is also applicable to this application, which is not limited here.

In order to better understand and illustrate the solutions provided by the embodiments of the present application, an optional embodiment of the present application is first described below with reference to a specific implementation example. In this example, the legal currency of the first resource conversion channel is RMB (in this example, the first resource conversion channel is the domestic resource conversion channel), and the legal currency of the second resource conversion channel is US dollars (in this example, the second resource conversion channel is the legal currency of circulation) is an overseas resource conversion channel), in this example, the first resource conversion request is a request to buy 100USD, and the second resource conversion request is a forward purchase of 100USD through overseas. In this example, the second resource conversion request corresponds to the reverse resource conversion The request is to sell 100 USD in reverse via overseas. Based on the resource conversion method of the present application, see FIG. 3 . FIG. 3 is a schematic flowchart of a resource conversion method provided by an embodiment of the present application. The execution of the resource conversion method in this example The process can be as follows:

Step 1: After 18:00 on May 11, 2020, and before 9:00 on May 12, for example, at 23:00 on the evening of May 11, the user requests to buy 100USD through the domestic resource conversion channel. Among them, 23:00 on the evening of May 11 is the non-operation time of the domestic resource conversion channel, and 9:00 on the 5.12 is the working time of the domestic resource conversion channel on working days.

Step 2: Determine the request time for the user to request to buy 100USD through the domestic resource conversion channel. At this time, the request time is after 18:00 on May 11, 2020, and before 9:00 on May 12, at 23:00 on the evening of May 11 .

Step 3, since the request time of the user requesting to buy 100USD through the domestic resource conversion channel does not belong to the operation time of the current date (5.11) of the domestic resource conversion channel, at this time, the first resource conversion request (that is, the request to buy 100USD) can be generated. ) corresponding to the second resource conversion request (i.e., borrowing 100USD from overseas), you can borrow the overseas resource conversion channel, send the second resource conversion request to the overseas resource conversion channel, and the overseas resource conversion channel will handle the second resource conversion. Request, buy 100USD in the overseas resource conversion channel.

Step 4: The first resource conversion request is normally processed during the operation time on the 5.12th, the next date of the current date of the domestic resource conversion channel (eg, 9:30 am on May 12), and 100 USD is purchased in the domestic resource conversion channel.

Step 5. Since 100USD was purchased through the overseas resource conversion channel, in order to close the position, the reverse resource conversion request corresponding to the second resource conversion request needs to be executed through the overseas resource conversion channel (100USD reversely sold through the overseas resource conversion channel) , as shown in Figure 3, 100USD can be sold in reverse at 5.13.

With the solution shown in the embodiment of the present application, when the current date of the domestic resource conversion channel is non-operational time, the second resource conversion request corresponding to the first resource conversion request can be executed through the overseas resource conversion channel, without the need for non-operational time. Holding the funds corresponding to the first resource conversion request for a long period of time reduces the risk of funds and improves the security.

Referring to FIG. 4, FIG. 4 is a schematic flowchart of another resource conversion method provided by an embodiment of the present application. The method can be executed by any electronic device, such as a server or a user terminal, or a user terminal and a server. , optionally, it can be executed by the user terminal. For the first resource conversion request, the user terminal can obtain the first resource conversion request, and then the user terminal sends the first resource conversion request to the server, and the server processes the first resource. Convert request. The server may be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or may provide cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, and cloud communications. , middleware services, domain name services, security services, CDN (Content Delivery Network), and cloud servers or server clusters for basic cloud computing services such as big data and artificial intelligence platforms. The user terminal can be a smart phone, tablet computer, notebook computer, desktop computer, smart speaker, smart watch, etc. The user terminal and the server can be directly or indirectly connected through wired or wireless communication, but not limited to this.

Referring to FIG. 4, FIG. 4 is a schematic flowchart of another resource conversion method provided by an embodiment of the present application. As shown in FIG. 4, the resource conversion method provided by the embodiment of the present application includes the following steps:

S201. Acquire a first resource conversion request corresponding to a first resource conversion channel through a first resource conversion platform.

The above-mentioned first resource conversion platform can be understood as a domestic resource conversion platform, which provides the capability of domestic resource conversion. Corresponding to the first resource conversion platform is the second resource conversion platform, which can also be called an overseas resource conversion platform, which provides support for overseas resource conversion capabilities and has offshore RMB foreign exchange transaction capabilities at night.

The above-mentioned first resource conversion request may specifically be a domestic resource conversion request. For example, the first resource conversion request may be a request to buy 100 USD through a domestic resource conversion channel. It is understandable that the first resource conversion request may be determined according to the actual needs of the user, which is not limited herein.

In some feasible implementation manners, the first resource conversion request may be initiated by the user directly to the first resource conversion platform, or may also be initiated by the user through a user terminal connected to the first resource conversion platform. In practical applications, it can be determined according to actual needs, which is not limited here.

S202. Determine the request time corresponding to the first resource conversion request.

In some feasible implementation manners, the request time of the first resource conversion request may be determined as the submission time when the user submits the first resource conversion request.

Alternatively, the first resource conversion request sent by the user is verified and judged by the first resource conversion platform, the declaration file is generated, and packaged, and then sent to the bank by the first resource conversion platform for processing. The time when the resource conversion platform sends the first resource conversion request to the bank for processing is 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, generate a second resource conversion request corresponding to the second resource conversion channel based on the first resource conversion request, 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.

In some feasible implementations, the request time corresponding to the first resource conversion request may be compared with the operation time of the first resource conversion channel on the current date, if the request time corresponding to the first resource conversion request does not belong to the first resource conversion channel The operation time of the current date, then, the first resource conversion request can be processed through the second resource conversion channel, and a second resource conversion request corresponding to the first resource conversion request can be generated and executed during the operation time of the second resource conversion channel. The second resource conversion request.

Specifically, taking the first resource conversion request in the first resource conversion channel (domestic resource conversion channel) as a request to buy 100 USD as an example, it is assumed that the user is after 18:00 on May 11, 2020 (T0 day), and on May 12, 2020 (that is, on May 12) before 9:00 (for example, at 23:00 on May 11) to request to buy 100 USD, because the request time for the request to buy 100 USD does not belong to the current date of the first resource conversion channel (May 11) At this time, 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 second resource conversion channel handles the first resource conversion. ask.

It should be noted that the operating hours of domestic resource conversion channels and overseas resource conversion channels are not exactly the same. For example, domestic resource conversion channels only support daytime transactions on weekdays, while overseas resource conversion channels can support 24-hour resource conversion transactions on weekdays. Therefore, the above method of using the second resource conversion channel (overseas resource conversion channel) is theoretically feasible.

With this embodiment, when the first resource conversion request is received during the non-operation time of the first resource conversion channel, the first resource conversion request can be processed through the second resource conversion channel by using the second resource conversion channel. processing, which improves the flexibility of processing resource conversion requests.

For the above step S203, it can also be implemented in the following ways:

In an optional embodiment, the method further includes: executing the first resource conversion request at the operating time of the date next to the current date of the first resource conversion channel; executing the second resource conversion through the second resource conversion channel Request the corresponding reverse resource conversion request.

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 amount of funds requested by the second resource conversion request is substantially the same as that of the first resource conversion request, except that the second resource conversion request is executed by the second resource conversion channel.

Referring to FIG. 5 , FIG. 5 is a schematic flowchart of another resource conversion method provided by an embodiment of the present application. In an optional example, the first resource conversion request may be processed according to the following steps:

S301. Acquire, through a first resource conversion platform, a first resource conversion request corresponding to a first resource conversion channel.

For the above step S301, please refer to step S201, which will not be described in detail here.

S302: Determine the request time corresponding to the above-mentioned first resource conversion request.

For the above step S302, please refer to step S202, which 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, execute the second resource conversion request through the second resource conversion channel.

In the case where 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 channel executes the first resource conversion request. 2. Resource conversion request.

S304: Execute the above-mentioned first resource conversion request at the operation time of the date next to the current date of the above-mentioned first resource conversion channel.

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

S305: Execute the reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel.

Finally, the reverse resource conversion request corresponding to the second resource conversion request is executed 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 100 USD through an overseas resource conversion channel. It is understandable that the second resource conversion request may be determined according to the actual needs of the user, which is not limited herein.

In practical applications, the delivery date needs to be considered. For the above-mentioned step S305, in an optional embodiment, it can be implemented in the following manner. The reverse resource conversion request includes: on the delivery date of the above-mentioned reverse resource conversion request, executing the above-mentioned reverse resource conversion request through the above-mentioned second resource conversion channel; wherein, the above-mentioned second resource conversion request and the above-mentioned reverse resource conversion request The delivery date of the above-mentioned second resource conversion request is later than the delivery date of the above-mentioned first resource conversion request.

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

Step 1, the user sends a first resource conversion request after 18:00 on May 11, 2020 and before 9:00 on May 12 (eg, 23:00 on the evening of May 11), and the first resource conversion request can be a request to buy Enter 100USD.

Among them, the expected delivery date of the first resource conversion request (request to buy 100 USD) is 5.12 days. The T0 day of the first resource conversion request is 5.11 days, the T1 day is 5.12 days, and the T2 day is 5.13 days.

Step 2: Determine the request time of the first resource conversion request. In this case, the request time is after 18:00 on May 11, 2020 and before 9:00 on May 12 (eg, 23:00 on May 11).

Step 3, since 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 corresponding to the first resource conversion request can be generated (through the first resource conversion request). The second resource conversion channel requests a purchase of 100 USD), you can borrow the second resource conversion channel, send the second resource conversion request to the second resource conversion channel, and the second resource conversion channel processes the second resource conversion request. The channel buys 100USD.

Among them, the delivery date of the above-mentioned second resource conversion request (request to buy 100 USD 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.

Step 4, normally process the first resource conversion request at the operating time (eg, 9:30 am on May 12) of the current date (May 11) of the first resource conversion channel, and buy 100 USD in the first resource conversion channel.

Since the first resource conversion channel cannot process the first resource conversion request during non-operation hours (18:00 on May 11th - 9:00 on May 12th), the first resource conversion channel normally processes the first resource at 9:30 in the morning on May 12th. Therefore, the actual delivery date of the first resource conversion request is 5.12 days.

Step 5: On the delivery date of the reverse resource conversion request, execute the reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel.

Specifically, since the second resource conversion channel bought 100 USD, in order to close the position, the reverse resource conversion request corresponding to the second resource conversion request (request to buy 100 USD through the second resource conversion channel) needs to be executed through the second resource conversion channel. (Request to sell 100USD through the second resource conversion channel), as shown in Figure 5, 100USD can be sold in reverse at 5.13.

Among them, the delivery date of the reverse resource conversion request and the second resource conversion request is the same, which is 5.13 days.

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

Referring to FIG. 7 , FIG. 7 is a schematic diagram corresponding to the principle of the resource conversion method provided by the embodiment of the present application. In Figure 7, the abscissa represents time, the ordinate represents exchange rate, the dotted line represents the change curve of foreign exchange rate, and the solid line represents the change curve of domestic exchange rate.

As shown in Figure 7, the resource conversion platform received the resource conversion request at 11:00 pm on May 11 (ie, May 11) (domestic resource conversion request, request to buy USD in CNY), because the next trading day on May 11 On 5.12, according to the normal processing method, the resource conversion platform needs to undertake the resource conversion target currency from 23:00pm on 5.11 to 9:30am on 5.12 (such as the resource conversion target currency corresponding to the first resource conversion request) loss of funds due to changes in exchange rates. Among them, USD in Figure 7 represents the US dollar, CNY represents the onshore RMB, and CNH represents the offshore RMB.

However, by using the method of borrowing abroad in this application, the resource conversion platform only needs to bear the risk of profit and loss caused by the exchange rate difference between domestic and overseas on 5.11 and the exchange rate difference between domestic and overseas on 5.12.

Specifically, as shown in Figure 7, according to the general processing method in the prior art, a request to buy 100 USD is made at 23:00 on May 11, and the first resource conversion platform earns 680 CNY at this time. According to the general processing method, on 5.12 100USD can only be purchased at 9:30 in the morning of the first resource conversion platform. At this time, the first resource conversion platform needs to consume 700CNY (that is, corresponding to the consumption of 700CNY for domestic purchase of 100USD in Figure 7). Then, according to the general processing method, the exchange rate of the first resource conversion platform The loss is: 680-700=-20.

In the method of this application, a request to buy 100USD is made at 23:00 on May 11, and the first resource conversion platform earns 680CNY. At this time, by means of overseas, the overseas is buying 100USD, and the first resource is converted. The platform consumes 680CNY (that is, 680CNY is consumed when buying 100USD overseas in Figure 7); 100USD is purchased domestically at 9:30 a.m. on May 12, and the first resource conversion platform needs to consume 700CNY (that is, corresponding to Figure 7) Buying 100USD in China consumes 700CNY), and selling 100USD overseas on 5.12, the first resource conversion platform earns 699CNY (that is, corresponding to the reverse selling of 100USD overseas (buy back 699CNY) in Figure 7), then, according to By means of the overseas resource conversion method of the present application, the exchange rate loss of the first resource conversion platform is: 680680-700+699=-1. Obviously, the exchange rate loss of the method of the present application is smaller.

Specifically, since the user initiated a transaction to the first resource conversion platform on the night of 5.11, the account balance of the first resource conversion platform at this time is (person name currency: 680, USD: -100). Among them, assuming that the local currency of the first resource conversion platform is RMB, there is no risk of holding positions in RMB. However, the concept at this time is equivalent to the first resource conversion platform holding 100 US dollars in RMB, so it will be subject to fluctuations in the exchange rate of the US dollar, which will cause the value of this part of the first resource conversion platform of 680 yuan to fluctuate, thus there is a risk.

By borrowing overseas, through the conversion of overseas forward and reverse resources, the -100 dollar balance can be smoothed out. Maybe the foreign resource conversion exchange rate at this time is (RMB: -699, USD: +100). After the transaction, the account balance of the resource conversion platform is (RMB: -1, USD: 0). At this time, the profit and loss of the resource conversion platform is this 1 yuan lost, but this risk is controllable, far less than holding $100 and waiting for a few hours for it to depreciate.

In the solutions shown in Figure 6 and Figure 7, on the night of May 11, the first resource conversion platform will immediately send an overseas forward resource conversion transaction (second resource conversion request) after completing the transaction with the user, and on 5.12, a domestic forward resource conversion will be initiated at the same time. transaction (first resource conversion request) and overseas reverse resource conversion transaction (reverse resource conversion request corresponding to the second resource conversion request). Therefore, the time interval between the first transaction (the transaction between the first resource conversion platform and the user) and the second transaction (the overseas positive resource conversion transaction) is very short, and the third transaction (the domestic positive resource conversion transaction) The time interval between the conversion transaction) and the fourth transaction (the overseas reverse resource conversion transaction) is also very short.

The resulting exchange rate difference is only the exchange rate difference between domestic and overseas resource conversion transactions in the same time period. However, the exchange rate difference between domestic and overseas RMB for resource conversion transactions at the same time is very small. Therefore, compared with the solutions in the prior art, the present application has more controllable and smaller risks in resource conversion.

That is to say, the resource conversion platform only needs to bear the domestic and foreign exchange rate difference on the day when the first resource conversion request is submitted, as well as the domestic and foreign exchange rate difference on the transaction day when the reverse resource conversion request and the second resource conversion request are initiated. At the same time, the transaction exchange rates at home and abroad are similar. Therefore, the overseas method in the embodiment of the present application can greatly reduce the position risk of the resource conversion platform.

In a feasible embodiment, as long as it is ensured that the delivery date of the second resource conversion request and the reverse resource conversion request are the same, and the delivery date of the second resource conversion request is later than the delivery date of the first resource conversion request, then , in the examples shown in FIG. 6 and FIG. 7 , the delivery date of the reverse resource conversion request and the second resource conversion request may also be any date after 5.12, such as 5.13, 5.14, 5.15, and so on.

It should be noted that, for the first resource conversion platform, there is no capital change in the overseas forward resource conversion and overseas reverse resource conversion. For example, for the overseas positive resource conversion, only the first resource conversion platform promises that the first resource conversion platform will give the bank 700 RMB in 2 days, and the bank will give the first resource conversion platform 100 yuan. Dollar. The same is true for overseas reverse resource conversion. When it comes to the first resource conversion platform, the bank will give 100 US dollars to the bank, and the bank will give the first resource conversion platform 700 RMB (not necessarily 700, there will be a slight exchange rate difference), as long as this is guaranteed. If two forward and reverse resource conversions fall on the same day, the two transactions of overseas forward resource conversion and overseas reverse resource conversion can be completed. Otherwise, the first resource conversion platform will owe the bank money, and the interest will be paid on a daily basis. It is calculated in units, so the delivery date of the second resource conversion request and the reverse resource conversion request must fall on the same day. The above-mentioned 700 is only used for illustration, and is not limited in this embodiment.

It can be understood that the above is only an example, and this embodiment does not make any limitation here.

Through this embodiment, when the first resource conversion request is received during the non-operation time of the first resource conversion channel, the second resource conversion channel can be used to process the second resource conversion request corresponding to the first resource conversion channel through the second resource conversion channel. Resource conversion requests, in order to meet market rules, also need to close the position, execute the reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel, and also need to be processed normally during the normal operating hours of the first resource conversion channel. The first resource conversion request. In this way, the first resource conversion request can be normally processed during non-operation time, which improves the flexibility of processing the resource conversion request.

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, process the first resource conversion request through the first resource conversion channel.

In some feasible implementations, if the request time of the first resource conversion request belongs to the operation time of the first resource conversion channel on the current date, at this time, the first resource conversion channel can be directly processed by the first resource conversion channel according to the normal process. ask.

The following is an example of the first resource conversion request to buy 100USD. The specific process is as follows:

Step 1: Send a first resource conversion request at 10:00 on May 12, 2020. The first resource conversion request may be a request to buy 100 USD.

Step 2: Determine the request time of the first resource conversion request. In this case, the request time is 10:00 on May 12, 2020.

Step 3, since 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, at this time, it can be processed normally during the operation time of the current date (5.12 days) of the first resource conversion channel. For the first resource conversion request, buy 100USD in the first resource conversion channel.

Through this embodiment, the first resource conversion request corresponding to the first resource conversion channel is obtained through the first resource conversion platform, and then the request time of the first resource conversion request is determined, if the request time corresponding to the first resource conversion request If the operation time of the first resource conversion channel does not belong to the current date of the first resource conversion channel, the first resource conversion request can be processed through the second resource conversion channel. 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, then , the first resource conversion request can be normally processed directly through the first resource conversion channel. In the existing solution, if the first resource conversion request is received during non-operational hours, the first resource conversion platform needs to be held by the first resource conversion platform during the period from the moment when the first resource conversion request is received to the next trading day. The funds corresponding to the first resource conversion request may fluctuate greatly in the exchange rate during such a long period of time, and the first resource conversion platform needs to bear a lot of capital risks, and the above method can be used in the first resource conversion channel. When the current date is non-operational time, the first resource conversion request is processed through the second resource conversion channel, and the first resource conversion platform does not need to hold the funds during this period, which reduces the capital risk of the resource conversion platform and increases resources Switching platform security.

The purpose of the resource conversion method in this application is to reduce the holding time of funds of a resource conversion platform (such as a domestic resource conversion platform), by adopting the method of borrowing an overseas resource conversion channel to process a resource conversion request (such as the above-mentioned first resource). conversion request). It should be noted that, in the above resource conversion method, it is necessary to ensure that the delivery date of the overseas forward resource conversion and the overseas reverse resource conversion transaction used for risk hedging are the same.

In an optional embodiment, the above step S203 may also be implemented in the following manner, that is, the above-mentioned processing of the first resource conversion request through the second resource conversion channel includes: generating a second resource conversion request; The resource conversion request is sent to the resource conversion front-end device 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 front-end device.

Referring to FIG. 8 , FIG. 8 is another schematic flowchart of processing a first resource conversion request through a second resource conversion channel according to an embodiment of the present application. In an optional example, the first resource conversion request may be processed according to the following steps:

S701. Acquire a first resource conversion request corresponding to a first resource conversion channel through a first resource conversion platform.

For the above step S701, please refer to step S201, which will not be described in detail here.

S702: Determine the request time corresponding to the above-mentioned first resource conversion request.

For the above step S702, please refer to step S202, which will not be described in detail here.

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, generate a second resource conversion request.

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, sending the second resource conversion request to the resource conversion front-end device corresponding to the second resource conversion channel, so as to send the second resource conversion request to the second resource conversion platform corresponding to the second resource conversion channel through the resource conversion front-end device , and execute the second resource conversion request through the second resource conversion platform.

Among them, the resource conversion front-end device can be understood as a kind of front-end machine, and the front-end machine is mainly used as a data transfer device between the resource conversion platform and the bank. In step S704, it mainly refers to the overseas resource conversion front-end equipment, which is used to connect the overseas resource conversion platform and the overseas bank.

The above-mentioned second resource conversion platform can be understood as an overseas resource conversion platform, and the working day is an overseas resource conversion platform that is 24 hours a day.

S704: Execute the first resource conversion request at the operation time of the date next to the current date of the first resource conversion channel.

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

S705: Execute a reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel.

It should be noted that, the resource conversion method in the embodiment of the present application needs to be avoided to be used in the following special scenarios, that is, a scenario where the delivery date of overseas resource conversion is earlier than or equal to the delivery date of domestic resource conversion.

Referring to FIG. 9 , FIG. 9 is a schematic diagram that is not applicable to resource conversion via an overseas resource conversion channel in an embodiment of the present application. As shown in Figure 9, the following description takes the first resource conversion request as buying 100USD as an example, and the specific process is as follows:

Step 1: Send a first resource conversion request at 23:00 on September 30, 2020. The first resource conversion request may be a request to buy 100 USD.

Taking into account the holiday factor, the expected delivery date of the first resource conversion request (request to buy 100 USD) is 10.9 days. The T0 day of the first resource conversion request is 2020.9.30, the domestic T1 day is 2020.10.9, and the domestic T2 day is 10.13.

Step 2: Determine the request time of the first resource conversion request. In this case, the request time is 23:00 on September 30, 2020.

Step 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 is executed with the first resource conversion channel. A second resource conversion request corresponding to the resource conversion request.

In the example shown in Figure 9, the overseas T1 day of the second resource conversion request (forward buying 100 USD via overseas) is 10.5 days later than the domestic T1 day 2020.10.9. In this case, since the first resource conversion request has not been completed in China, if the delivery date of the second resource conversion request is earlier than the delivery date of the first resource conversion request, it is not in line with the actual application scenario.

Step 4: The first resource conversion request is normally processed at the operating time (eg, 9:30 am on 10.9) of the current date (9.30) of the first resource conversion channel, and 100 USD is purchased in the first resource conversion channel.

Since the first resource conversion channel cannot process the first resource conversion request during the non-operation time (23:00 pm on September 30), the first resource conversion request can be processed normally at 9:30 am on the 10.9th of the first resource conversion channel. The actual delivery date of the resource conversion request is 10.9 days.

Step 5: On the delivery date of the reverse resource conversion request, execute the reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel.

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 the overseas forward buying 100USD (second resource conversion request) and the delivery date of the overseas reverse selling 100USD (reverse resource conversion request) will be different, which will cause the resource conversion platform to be on 10.5-10.13. Holding funds for such a long time will greatly increase the risk of the resource conversion platform. Therefore, it is necessary to avoid using the resource conversion method in this application in the scenario shown in FIG. 9 .

In a feasible embodiment, the present application also provides a resource conversion system, the above-mentioned system includes a first resource conversion channel, a first resource conversion platform, a first resource conversion pre-equipment, and a second resource conversion pre-equipment , wherein the first resource conversion channel is communicatively connected to the first resource conversion platform through the first resource conversion front-end device, and the first resource conversion platform is respectively connected with the first resource conversion front-end device and the second resource conversion front-end device. Set up the device communication connection;

The above-mentioned first resource conversion platform is configured to obtain a first resource conversion request corresponding to the first resource conversion channel, and determine the request time corresponding to the first resource conversion request, where the request time corresponding to the first resource conversion request does not belong to the above-mentioned first resource conversion request. At the operating time of the current date of the first resource conversion channel, a second resource conversion request is generated and sent to the above-mentioned second resource conversion front-end device, wherein the above-mentioned resource conversion request is a request corresponding to the above-mentioned second resource conversion channel, and the above-mentioned No. 2. The resource conversion request corresponds to the above-mentioned first resource conversion request;

The above-mentioned second resource conversion front-end device is used for receiving and processing the second resource conversion request;

The above-mentioned first resource conversion front-end device is configured to send the above-mentioned first resource conversion request to the above-mentioned first resource conversion channel if the request time corresponding to the above-mentioned first resource conversion request belongs to the operation time of the above-mentioned first resource conversion channel on the current date ;

The first resource conversion channel is used for processing the received first resource conversion request.

In a feasible embodiment, the system further includes a second resource conversion platform, and the first resource conversion platform is connected in communication with the second resource conversion platform through the second resource conversion front-end device;

The above-mentioned second resource conversion front-end device is configured to send the second resource conversion request to the second resource conversion platform when receiving the second resource conversion request;

The above-mentioned second resource conversion platform is configured to process the received second resource conversion request.

In a feasible embodiment, the above-mentioned system further includes a second resource conversion channel, and the above-mentioned second resource conversion channel is in communication connection with the above-mentioned second resource conversion platform;

The above-mentioned second resource conversion platform is configured to send the above-mentioned second resource conversion request to the above-mentioned second resource conversion channel when receiving the above-mentioned second resource conversion request;

The above-mentioned second resource conversion channel is used to execute the received above-mentioned second resource conversion request;

The above-mentioned first resource conversion channel is used to execute the above-mentioned first resource conversion request at the operation time of the next date after the current date of the above-mentioned first resource conversion channel;

The above-mentioned second resource conversion channel is further configured to execute a reverse resource conversion request corresponding to the above-mentioned second resource conversion request.

The above resource conversion system will be 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 by the present application. As shown in Figure 10, the following description takes the first resource conversion request as buying 100USD as an example, the specific process is as follows:

Step 1, the user initiates a first resource conversion request through the business system at 21:00 on May 11, 2020, and sends the first resource conversion request to the first resource conversion platform, where the first resource conversion request can be a request Buy 100USD.

Step 2, the first resource conversion platform determines the request time of the first resource conversion request. At this time, the request time is 21:00 on May 11, 2020.

Step 3, since 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 corresponding to the first resource conversion request can be generated (through the first resource conversion request). The second resource conversion channel requests a purchase of 100 USD), the first resource conversion platform sends the second resource conversion request to the second resource conversion front-end device, and then the second resource conversion front-end device sends the second resource conversion request to the second resource conversion The resource conversion platform sends the second resource conversion request to the second resource conversion channel through the second resource conversion platform, the second resource conversion channel processes the second resource conversion request, and buys 100 USD in the second resource conversion channel.

Step 4, at the operation time (eg, 9:30 am on May 12) of the current date (May 11) of the first resource conversion channel, the first resource conversion platform sends the first resource conversion request to the first resource Conversion front-end equipment, and then the first resource conversion front-end equipment 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 buys 100USD in the first resource conversion channel .

Step 5, the first resource conversion platform sends the reverse resource conversion request corresponding to the second resource conversion request to the second resource conversion front-end device, and then the second resource conversion front-end device sends the reverse resource conversion request to the second resource conversion front-end device. The resource conversion platform sends the reverse resource conversion request to the second resource conversion channel through the second resource conversion platform, the second resource conversion channel processes the reverse resource conversion request, and sells 100 USD in the reverse direction on the second resource conversion channel.

Wherein, the above-mentioned first resource conversion front-end device and the above-mentioned second resource conversion front-end device can be understood as a front-end machine, and the front-end machine is mainly used as a data transfer device between the resource conversion platform and the bank. The first resource conversion front-end equipment mainly refers to the domestic resource conversion front-end equipment, which is used to connect the first resource conversion platform (domestic resource conversion platform) and the first resource conversion channel (domestic bank). The second resource conversion front-end equipment mainly refers to the overseas resource conversion front-end equipment, which is used to connect the second resource conversion platform (overseas resource conversion platform) and the second resource conversion channel (overseas bank).

The various electronic devices involved in the embodiments of this application (including but not limited to the electronic devices of each resource conversion platform, each resource conversion pre-equipment, the electronic devices corresponding to each resource conversion channel, and the electronic devices used by users to connect to the resource conversion platform) The client) can be a node of the blockchain system, and the involved servers (including but not limited to the bank's server that provides resource conversion services, the server of each resource conversion platform, the server of each resource conversion front-end device, and each resource conversion channel) The corresponding server) may be a blockchain server, and the data that needs to be stored in the embodiments of this application may also be stored in a blockchain node. The resource conversion system involved in the embodiments of the present application may be a distributed system formed by connecting a client and multiple blockchain nodes (any form of computing device in the access network, such as a server and a user terminal) through network communication .

Taking the distributed system as the blockchain system as an example, see FIG. 11 . FIG. 11 is an optional schematic structural diagram of the distributed system 100 provided in the embodiment of the present invention applied to the blockchain system. Any form of computing device (such as server, user terminal) and client 300 into the network is formed, and a peer-to-peer (P2P, Peer To Peer) network is formed between nodes. The P2P protocol is a transmission control protocol (TCP, Application layer protocol on top of TransmissionControl Protocol). In a distributed system, any machine such as a server and a terminal can join to become a node, and a node includes a hardware layer, a middle layer, an operating system layer and an application layer.

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

1) Routing, a basic function that a node has to support communication between nodes.

In addition to the routing function, a node can also have the following functions:

2) Application, used to deploy in the blockchain, implement specific business according to actual business needs, record data related to the realization of functions to form record data, carry a digital signature in the record data to indicate the source of the task data, and send the record data To other nodes in the blockchain system, for other nodes to add the record data to the temporary block when verifying the source and integrity of the record data successfully.

For example, the services implemented by the application include:

2.1) Wallet, which is used to provide the function of conducting electronic currency transactions, including initiating transactions (that is, sending the transaction record of the current transaction to other nodes in the blockchain system, and after the other nodes have successfully verified the transaction, it will be used as a response to acknowledge that the transaction is valid. , store the record data of the transaction in the temporary block of the blockchain; of course, the wallet also supports querying the remaining electronic currency in the electronic currency address;

2.2) Shared ledger is used to provide functions such as storage, query and modification of account data, and the record data of operations on account data is sent to other nodes in the blockchain system. After the other nodes verify the validity, it will be used as an approved account. In response to valid data, the record data is stored in a temporary block, and an acknowledgment can also be sent to the node that initiated the operation.

2.3) Smart contracts, computerized agreements, which can execute the terms of a contract, are implemented through the code deployed on the shared ledger for execution when certain conditions are met, and the code is used to complete automated transactions according to actual business needs, For example, query the logistics status of the goods purchased by the buyer, and transfer the buyer's electronic currency to the merchant's address after the buyer signs for the goods; of course, the smart contract is not limited to the execution of the contract used for the transaction, but also the execution of the received information. deal with the contract.

3) Blockchain, including a series of blocks (Blocks) that follow each other in chronological order. Once a new block is added to the blockchain, it will not be removed. The block records the blockchain system. The record data submitted by the middle node.

Referring to FIG. 12, FIG. 12 is an optional schematic diagram of a block structure (Block Structure) provided by an embodiment of the present invention, and each block includes the hash value of the transaction record stored in this block (the hash value of this block). ), and the hash value of the previous block, each block is connected by the hash value to form a blockchain. In addition, the block may also include information such as a timestamp when the block was generated. Blockchain (Blockchain) is essentially a decentralized database, which is a series of data blocks associated with cryptographic methods. Each data block contains relevant information to verify the validity of its information. (anti-counterfeiting) and generate the next block.

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

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

a time determination module 12, configured to determine the request time corresponding to the above-mentioned first resource conversion request;

The first processing module 13 is configured to, if the request time corresponding to the first resource conversion request above does not belong to the operation time of the current date of the above-mentioned first resource conversion channel, based on the above-mentioned first resource conversion request, generate a corresponding second resource conversion channel. The second resource conversion request, the request time of the above-mentioned second resource conversion request belongs to the operation time of the above-mentioned second resource conversion channel, and the above-mentioned second resource conversion request is executed through the above-mentioned second resource conversion channel;

The above-mentioned first processing module includes:

a first processing unit, configured to execute the above-mentioned first resource conversion request at the operating time of the date next to the current date of the above-mentioned 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;

The second processing module 14 is configured to process the above-mentioned first resource conversion request through the above-mentioned first resource conversion channel if the request time corresponding to the above-mentioned first resource conversion request belongs to the operation time of the above-mentioned first resource conversion channel on the current date.

In some feasible implementation manners, the above-mentioned second processing unit is used for:

On the delivery date of the above-mentioned reverse resource conversion request, the above-mentioned reverse resource conversion request is executed through the above-mentioned second resource conversion channel, wherein the above-mentioned second resource conversion request and the above-mentioned reverse resource conversion request The delivery date of the conversion request is later than the delivery date of the above-mentioned first resource conversion request.

In some feasible implementation manners, the above-mentioned first processing module is used for:

Send the above-mentioned second resource conversion request to the resource conversion front-end device corresponding to the above-mentioned second resource conversion channel, so as to send the above-mentioned second resource conversion request to the second resource conversion channel corresponding to the above-mentioned second resource conversion channel through the above-mentioned resource conversion front-end device. Resource conversion platform.

In some feasible embodiments, the legal currency corresponding to the first resource conversion channel and the second resource conversion channel are different.

In the specific implementation, the above-mentioned resource conversion device 1 can execute the implementation manners provided by the respective steps in the above-mentioned FIG. 4 , FIG. 5 and FIG. 8 through various built-in functional modules. This will not be repeated here.

In the embodiment of the present application, the first resource conversion request corresponding to the first resource conversion channel is obtained through the first resource conversion platform, and then the request time of the first resource conversion request is determined. The request time does not belong to the operation time of the current date of the first resource conversion channel, and the second resource conversion request corresponding to the first resource conversion request can be executed through the second resource conversion channel. If the request time of the first resource conversion request belongs to the first resource conversion channel The operation time of the resource conversion channel on the current date, then the first resource conversion request can be normally processed directly through the first resource conversion channel. In the existing solution, if the first resource conversion request is received during non-operational hours, the first resource conversion platform needs to be held by the first resource conversion platform during the period from the moment when the first resource conversion request is received to the next trading day. The funds corresponding to the first resource conversion request may fluctuate greatly in the exchange rate during such a long period of time, and the first resource conversion platform needs to bear a lot of capital risks, and the above method can be used in the first resource conversion channel. When the current date is non-operational time, the second resource conversion request corresponding to the first resource conversion request is processed through the second resource conversion channel, and the first resource conversion platform does not need to hold the funds during this period, reducing the resource conversion platform. The risk of capital increases and the security of the resource conversion platform is improved.

The above mainly introduces and explains that the execution body is hardware to implement the resource conversion method in the present application, but the execution body of the resource conversion method of the present application is not limited to hardware, and the execution body of the resource conversion method in the present application can also be software. , the above-mentioned resource conversion device can be a computer program (including program code) running in the computer equipment, for example, the resource conversion device is an application software; the device can be used for executing the corresponding steps in the method provided by the embodiment of the present application .

In some embodiments, the resource conversion apparatus provided by the embodiments of the present invention may be implemented by a combination of software and hardware. As an example, the resource conversion apparatus provided by the embodiments of the present invention may be a processor in the form of a hardware decoding processor. It is programmed to execute the resource conversion method provided by the embodiment of the present invention. For example, a processor in the form of a hardware decoding processor may use one or more application specific integrated circuits (ASIC, Application Specific Integrated Circuit), DSP, programmable logic device ( PLD, Programmable Logic Device), Complex Programmable Logic Device (CPLD, Complex Programmable Logic Device), Field Programmable Gate Array (FPGA, Field-Programmable Gate Array) or other electronic components.

In other embodiments, the resource conversion apparatus provided by the embodiments of the present invention may be implemented in software. The resource conversion apparatus 1 shown in FIG. 13 may be software in the form of programs and plug-ins, and includes a series of modules, It includes a resource conversion request acquisition module 11, a time determination module 12, a first processing module 13, and a second processing module 14; wherein, the resource conversion request acquisition module 11, the time determination module 12, the first processing module 13, and the second processing module 14 It is used to implement the resource conversion method provided by the embodiment of the present invention.

Referring to FIG. 14 , FIG. 14 is a schematic structural diagram of an electronic device provided by an embodiment of the present application. As shown in FIG. 14 , the electronic device 1000 in this embodiment may include: a processor 1001 , a network interface 1004 and a memory 1005 . In addition, the above-mentioned electronic device 1000 may further include: a user interface 1003 , and at least one communication bus 1002 . Among them, the communication bus 1002 is used to realize the connection and 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 wireless interface. Optionally, the network interface 1004 may include a standard wired interface and a wireless interface (eg, a WI-FI interface). The memory 1004 may be high-speed RAM memory or non-volatile memory, such as at least one disk memory. Optionally, the memory 1005 may also be at least one storage device located away from the aforementioned processor 1001 . As shown in FIG. 14 , the memory 1005 as a computer-readable storage medium may include 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 can provide a network communication function; the user interface 1003 is mainly used to provide an input interface for the user; and the processor 1001 can be used to call the computer program stored in the memory 1005, To achieve: obtain the first resource conversion request corresponding to the first resource conversion channel through the first resource conversion platform; determine the 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 above The operation time of the first resource conversion channel on the current date, then based on the above-mentioned first resource conversion request, a second resource conversion request corresponding to the second resource conversion channel is generated, and the request time of the above-mentioned second resource conversion request belongs to the above-mentioned second resource conversion. The operation time of the channel, the above-mentioned second resource conversion request is executed through the above-mentioned second resource conversion channel; the above-mentioned first resource conversion request is executed at the operation time of the date next to the current date of the above-mentioned first resource conversion channel; through the above-mentioned second resource conversion The channel executes the reverse resource conversion request corresponding to the above-mentioned second resource conversion request; if the request time corresponding to the above-mentioned first resource conversion request belongs to the operation time of the current date of the above-mentioned first resource conversion channel, then the above-mentioned first resource conversion channel is used. The first resource conversion request is processed.

It should be understood that, in some feasible implementation manners, the above-mentioned processor 1001 may be a central processing unit (central processing unit, CPU), and the processor may also be other general-purpose processors, digital signal processors (digital signal processor, DSP) , an application specific integrated circuit (ASIC), an off-the-shelf programmable gate array (field-programmable gate array, FPGA) 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, which may include read-only memory and random access memory, provides instructions and data to the processor. A portion of the memory may also include non-volatile random access memory. For example, the memory may also store device type information.

In the specific implementation, the electronic device 1000 can execute the implementations provided by the steps in the above-mentioned FIG. 4 , FIG. 5 and FIG. 8 through the built-in functional modules. For details, please refer to the implementations provided in the above-mentioned steps. No longer.

Embodiments of the present application further provide 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 method provided by each step in FIG. 4 , FIG. 5 , and FIG. 8 . For details, please refer to The implementation manners provided by the above steps are not repeated here.

The above-mentioned computer-readable storage medium may be an internal storage unit of the task processing apparatus provided in any of the foregoing embodiments, such as 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 media card (SMC), a secure digital (SD) card equipped on the electronic device, Flash card (flash card), etc. The above-mentioned computer-readable storage medium may also include a magnetic disk, an optical disk, a read-only memory (ROM) or a random access memory (RAM), and the like. Further, the computer-readable storage medium may also include both an internal storage unit of the electronic device and an external storage device. The computer-readable storage medium is used to store the computer program and other programs and data required by the electronic device. The computer-readable storage medium can also be used to temporarily store data that has been or will be output.

Embodiments of the present application provide a computer program product or computer program, where the computer program product or computer program includes computer instructions, and the computer instructions are 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, so that the computer device executes the method provided by any of the possible implementations in the above-mentioned FIG. 4 , FIG. 5 and FIG. 8 .

The terms "first", "second" and the like in the claims and description of the present application and the drawings are used to distinguish different objects, rather than to describe a specific order. Furthermore, the terms "comprising" and "having" and any variations thereof are intended to cover non-exclusive inclusion. For example, a process, method, system, product or device comprising a series of steps or units is not limited to the listed steps or units, but optionally also includes unlisted steps or units, or optionally also includes For other steps or units inherent to these processes, methods, products or devices. 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 present application. The appearance of this phrase in various places in the specification is not necessarily all referring to the same embodiment, nor is it a separate or alternative embodiment that is mutually exclusive with other embodiments. It is explicitly and implicitly understood by those skilled in the art that the embodiments described herein may be combined with other embodiments. As used in this specification and the appended claims, the term "and/or" refers to and including any and all possible combinations of one or more of the associated listed items.

Those of ordinary skill in the art can realize that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of the two. Interchangeability, the above description has generally described the components and steps of each example in terms of function. Skilled artisans may implement the described functionality using different methods for each particular application, but such implementations should not be considered beyond the scope of this application.

The above disclosures are only the preferred embodiments of the present application, and of course, the scope of the rights of the present application cannot be limited by this. Therefore, equivalent changes made according to the claims of the present application are still within the scope of the present application.

Claims (10)

1. a resource conversion method, is characterized in that, described method comprises: Obtain a first resource conversion request corresponding to the first resource conversion channel through the 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, a second resource conversion corresponding to the second resource conversion channel is generated based on the first resource conversion request request, 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; when the first resource conversion channel is currently The first resource conversion request is executed at the operation time of the next date of the date; the reverse resource conversion request corresponding to the second resource conversion request is executed through the second 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, the first resource conversion request is processed through the first resource conversion channel. 2. The method according to claim 1, wherein the performing the reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel comprises: On the delivery date of the reverse resource conversion request, execute the reverse resource conversion request through the second resource conversion channel; The delivery date of the second resource conversion request and the reverse resource conversion request is the same, and the delivery date of the second resource conversion request is later than the delivery date of the first resource conversion request. 3. The method according to claim 1, wherein the executing the second resource conversion request through the second resource conversion channel comprises: sending the second resource conversion request to the resource conversion front-end device corresponding to the second resource conversion channel, so as to send the second resource conversion request to the second resource conversion through the resource conversion front-end device The second resource conversion platform corresponding to the channel. 4. The method according to any one of claims 1 to 3, wherein the legal currency corresponding to the first resource conversion channel and the second resource conversion channel is different. 5. A resource conversion device, wherein the device comprises: a resource conversion request obtaining module, configured to obtain a first resource conversion request corresponding to the first resource conversion channel through the first resource conversion platform; a time determination module, configured to determine a request time corresponding to the first resource conversion request; A first processing module, configured to generate a second resource corresponding to the first resource conversion request based on 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 A second resource conversion request of the conversion channel, 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; The first processing module includes: a first processing unit, configured to execute the first resource conversion request at the operation time of the date next to the 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; The second processing module is configured to, 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, send the first resource conversion request to the first resource conversion channel through the first resource conversion channel to be processed. 6. A resource conversion system, characterized in that the system comprises a first resource conversion channel, a first resource conversion platform, a first resource conversion pre-equipment, a second resource conversion pre-equipment, a second resource conversion platform, A second resource conversion channel, wherein the first resource conversion channel is communicatively connected to the first resource conversion platform through the first resource conversion front-end device, and the first resource conversion platform is respectively connected to the first resource conversion front-end device. The device is connected in communication with the second resource conversion front-end device, the first resource conversion platform is in communication connection with the second resource conversion platform through the second resource conversion front-end device, and the second resource conversion channel communicating with the second resource conversion platform; The first resource conversion platform is configured to obtain a first resource conversion request corresponding to the first resource conversion channel, determine the request time corresponding to the first resource conversion request, and determine the request time corresponding to the first resource conversion request at the request time corresponding to the first resource conversion request. Not belonging to the operation time of the current date of the first resource conversion channel, generate a second resource conversion request and send it to the second resource conversion front-end device, wherein the second resource conversion request is corresponding to the second resource conversion request. a resource conversion channel request, and the second resource conversion request corresponds to the first resource conversion request; The second resource conversion front-end device 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, 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 for executing the received second resource conversion request; the first resource conversion channel, configured to execute the first resource conversion request at the operating time of the date next to the current date of the first resource conversion channel; The second resource conversion channel is used to execute a reverse resource conversion request corresponding to the second resource conversion request; The first resource conversion front-end device is configured to send the first resource conversion channel 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. A resource conversion request; the first resource conversion channel is used to process the received first resource conversion request. 7. The system according to claim 6, wherein the second resource conversion channel, performing a reverse resource conversion request corresponding to the second resource conversion request, comprises: On the delivery date of the reverse resource conversion request, execute the reverse resource conversion request; The delivery date of the second resource conversion request and the reverse resource conversion request is the same, and the delivery date of the second resource conversion request is later than the delivery date of the first resource conversion request. 8. The system according to claim 6 or 7, wherein the legal currency corresponding to the first resource conversion channel and the second resource conversion channel are different. 9. An electronic device, comprising a processor and a memory, wherein the processor and the memory are connected to each other; the memory is used to store computer programs; The processor is configured to perform the method of any one of claims 1 to 4 when the computer program is invoked. 10. A computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and the computer program is executed by a processor to implement the method of any one of claims 1 to 4.

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