CN115482104A

CN115482104A - Flat disc processing method and device

Info

Publication number: CN115482104A
Application number: CN202211155546.5A
Authority: CN
Inventors: 陈达; 胡一凡; 魏然
Original assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Current assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Priority date: 2022-09-22
Filing date: 2022-09-22
Publication date: 2022-12-16

Abstract

The invention discloses a flat disc processing method and device, and relates to the technical field of financial services. One embodiment of the method comprises: determining a flat condition corresponding to the foreign exchange transaction type; acquiring system information and/or market information, and determining whether the system information and/or the market information meet the flat condition; responding to the system information and/or the market information meeting the balance condition, and acquiring a to-be-balanced record corresponding to the foreign exchange transaction type; determining a capital pool record corresponding to the to-be-leveled disk record from a capital pool; and according to the capital pool record, carrying out disc leveling treatment on the record to be leveled. This embodiment can carry out the flatbed automatically and handle, and the cost of using manpower sparingly, and have higher efficiency and accuracy.

Description

Flat disc processing method and device

Technical Field

The invention belongs to the technical field of financial services, and particularly relates to a flat disc processing method and device.

Background

In recent years, more and more foreign transactions of global payment function credit cards have appeared, and the proportion of common personal foreign exchange transactions has been higher and higher. Handling foreign exchange services such as settlement and sales of customers becomes an important work content of each financial institution.

The foreign exchange service will cause a foreign exchange gap to the financial institution, and the financial institution needs to perform a flat operation on the corresponding foreign exchange institution to make up for the foreign exchange gap. In the prior art, the financial institution usually performs the flat-plate operation in a manual flat-plate manner. This approach requires a lot of manpower, is inefficient and is prone to errors.

Disclosure of Invention

In view of this, embodiments of the present invention provide a flat disc processing method and apparatus, which can automatically perform flat disc processing, save labor cost, and have higher efficiency and accuracy.

In a first aspect, an embodiment of the present invention provides a flat disc processing method, including:

determining a flat condition corresponding to the foreign exchange transaction type;

acquiring system information and/or market information, and determining whether the system information and/or the market information meet the flat condition;

responding to the system information and/or the market information meeting the balance condition, and acquiring a to-be-balanced record corresponding to the foreign exchange transaction type;

determining a capital pool record corresponding to the to-be-leveled disk record from a capital pool;

and according to the capital pool record, carrying out disc leveling treatment on the record to be leveled.

Optionally, the fx transaction type is: a global payment card transaction;

the obtaining of the to-be-leveled record corresponding to the foreign exchange transaction type includes:

receiving clearing files sent by each international card organization;

and summarizing the clearing files sent by the international card organizations to obtain a plurality of records to be leveled corresponding to the global payment cards.

Optionally, the type of the foreign exchange transaction is: transaction of buying and repaying money;

receiving a money buying and repaying request sent by a target client;

generating a money purchasing and repaying flat-disk request corresponding to the money purchasing and repaying request;

and generating a to-be-leveled record corresponding to the money purchasing and repaying request according to the request information in the money purchasing and repaying leveling request.

Optionally, after the generating of the to-be-leveled record corresponding to the purchase and remittance payment request, the method further includes:

determining whether the current date is a workday;

in response to the current date being a non-workday, determining identity information of the target customer;

and determining whether to perform summary processing on the to-be-leveled disk record corresponding to the target client or not according to the identity information.

Optionally, the leveling processing on the record to be leveled according to the record of the fund pool includes:

comparing the balance of the capital pool in the capital pool record with the amount of the to-be-leveled plate in the to-be-leveled plate record;

in response to a comparison result representing that the fund pool balance is greater than the amount of the to-be-leveled disk, calculating an amount difference between the fund pool balance and the amount of the to-be-leveled disk;

setting the fund pool balance to the amount difference;

and setting the state information corresponding to the recording of the disc to be leveled as success.

in response to a comparison result representing that the fund pool balance is between zero and the amount of the pending quotation, calculating an amount difference between the amount of the pending quotation and the fund pool balance;

and generating an outbound request containing the money difference, and sending the outbound request to an foreign exchange mechanism.

and responding to zero of the balance of the fund pool, generating a foreign calling request containing the amount of the to-be-leveled account, and sending the foreign calling request to a foreign exchange organization.

Optionally, after sending the outbound request to the foreign exchange organization, the method further includes:

receiving response information returned by the foreign exchange mechanism aiming at the foreign call request;

responding to the response information representing that the outbound call is successful, setting the balance of the fund pool to be zero, and setting the state information corresponding to the to-be-leveled disk record to be successful;

and responding to the response information representing the outbound failure, and setting the state information corresponding to the record of the disc to be leveled as the failure.

Optionally, before obtaining the to-be-leveled record corresponding to the type of the foreign exchange transaction, the method further includes:

acquiring a current date, and determining whether the current date is a working day;

and responding to that the current date is a working day, and executing the step of obtaining the to-be-leveled disk record corresponding to the foreign exchange transaction type.

Optionally, before obtaining the to-be-leveled disk record corresponding to the fx transaction type, the method further includes:

obtaining a system exchange rate;

responding to the situation that the system exchange rate is not obtained, and continuously obtaining the system exchange rate until the obtained system exchange rate or the obtained times reach the preset times;

and responding to the acquired system exchange rate, and executing the step of acquiring the to-be-leveled disk record corresponding to the foreign exchange transaction type.

In a second aspect, an embodiment of the present invention provides a flat disc processing apparatus, including:

the condition determining module is used for determining a flat condition corresponding to the foreign exchange transaction type;

the information determining module is used for acquiring system information and/or market information and determining whether the system information and/or the market information meet the flat condition;

the record acquisition module is used for responding to the system information and/or the market information meeting the balance condition and acquiring the to-be-balanced record corresponding to the foreign exchange transaction type;

the balance determining module is used for determining a fund pool record corresponding to the to-be-leveled disk record from a fund pool;

and the leveling module is used for leveling the record to be leveled according to the record of the fund pool.

Optionally, the type of the foreign exchange transaction is: a global payment card transaction;

the record acquisition module is specifically configured to:

receiving clearing files sent by each international card organization;

In a third aspect, an embodiment of the present invention provides an electronic device, including:

one or more processors;

a storage device for storing one or more programs,

when executed by the one or more processors, cause the one or more processors to implement the method of any of the embodiments described above.

In a fourth aspect, an embodiment of the present invention provides a computer-readable medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the method of any one of the above embodiments.

In a fifth aspect, an embodiment of the present invention provides a computer program product, which includes a computer program, and when the program is executed by a processor, the computer program implements the method described in any one of the above embodiments.

One embodiment of the above invention has the following advantages or benefits: and setting a plurality of foreign exchange transaction types and a flat condition corresponding to each foreign exchange transaction type according to the service requirement. And under the condition of meeting the balance condition corresponding to the foreign exchange transaction type, acquiring the balance of the to-be-leveled disk record corresponding to the foreign exchange transaction type and the fund pool corresponding to the to-be-leveled disk record. And performing disc leveling treatment on the records of the discs to be leveled according to the sum of the discs to be leveled and the balance of the fund pool in the records of the discs to be leveled. Therefore, the scheme of the embodiment of the invention automatically performs the plate flattening operation, can save the labor cost and has higher efficiency and accuracy compared with a manual plate flattening mode.

Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.

Drawings

The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:

FIG. 1 is a schematic flow chart of a flat disc processing method according to a first embodiment of the present invention;

fig. 2 is a flowchart illustrating a method for processing a flat-disc transaction for a global payment card according to a second embodiment of the present invention;

fig. 3 is a flowchart illustrating a method for processing a balance for a foreign exchange transaction of a money purchase payment according to a third embodiment of the present invention;

FIG. 4 is a schematic structural diagram of a flat disc processing apparatus according to an embodiment of the present invention;

fig. 5 is a schematic block diagram of a computer system suitable for use in implementing a terminal device or server of an embodiment of the invention.

Detailed Description

Exemplary embodiments of the invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

According to the technical scheme, the data acquisition, storage, use, processing and the like meet the relevant regulations of national laws and regulations.

Fig. 1 is a schematic flow chart of a flat disc processing method according to a first embodiment of the present invention, as shown in fig. 1, the method includes:

step 101: and determining a flat condition corresponding to the type of the foreign exchange transaction.

A plurality of foreign exchange transaction types and a flat condition corresponding to each foreign exchange transaction type can be set according to business needs. The type of foreign exchange transaction may include: global payment cards, money purchases and payments, etc.

And under the condition of meeting the flat disk condition, carrying out flat disk processing on the record to be flat disk corresponding to the foreign exchange type. The plate condition can be flexibly set according to the requirement, and the plate condition can comprise: the exchange rate fluctuation statistic is larger than a fluctuation threshold value, the system is in an idle state, the current date is a working day, the working day is processed in real time and is once every two hours, the exchange rate is larger than a preset threshold value, the current time is 10 o 'clock of the working day, the exchange rate fluctuation statistic is larger than a fluctuation threshold value, the current time is 15 o' clock of the working day, the current time is ten minutes later than the transaction occurrence time and the like. Different fx transaction types may correspond to different flat conditions.

Step 102: acquiring system information and/or market information, and determining whether the system information and/or the market information meet a flat condition.

The system information may include: current time, current date, system status, etc. The market information may include: exchange rate fluctuation statistics, system exchange rate, etc. And determining whether the flat condition is met or not according to the system information and/or the market information. For example, the flat condition is that the current time is 10 o' clock of a working day, and the system information is the current time. And when the current time is 10 o' clock of the working day, the flat condition is met.

Step 103: and responding to the fact that the system information and/or the market information meet the balance condition, and obtaining a to-be-balanced record corresponding to the foreign exchange transaction type.

The foreign exchange transaction type can correspond to a waiting-to-level disk list, and the waiting-to-level disk list comprises at least one waiting-to-level disk record. The recording of the disc to be leveled comprises: currency, transaction mode, status information, price per capita dollar amount, amount due RMB, amount of money remitted by money, remittance rate, amount of money lost by credit card. The transaction mode comprises the following steps: and (5) closing or selling the remittance.

Step 104: and determining a fund pool record corresponding to the to-be-leveled disk record from the fund pool.

The capital pool is a "reservoir" from which foreign currency is purchased. When doing level, either the fund pool mode or the non-fund pool mode may be dynamically selected. And responding to the mode of selecting the fund pool, when the fund pool has foreign exchange funds, the system automatically balances and withholds the balance of the foreign exchange in the fund pool, and when the fund pool does not have the balance of the foreign exchange, the system sends a foreign exchange request to the foreign exchange organization, wherein the foreign exchange request is used for purchasing the foreign exchange or settling the foreign exchange from the foreign exchange organization.

A plurality of fund pool balances may be included in the fund pool. The fund pool balance corresponds to currency, transaction mode, manual flat rate, etc. The transaction mode comprises the following steps: and (5) closing or selling the remittance. The balance of the capital pool corresponding to the record of the disc to be leveled can be determined according to the currency and the transaction mode in the record of the disc to be leveled.

Step 105: and performing flat disc processing on the record of the flat disc to be processed according to the record of the capital pool.

And circularly acquiring each to-be-leveled disk record in the to-be-leveled disk list. Recording for each disc to be leveled: and determining the capital pool record corresponding to the to-be-leveled record, and performing leveling treatment on the to-be-leveled record according to the capital pool record.

And determining the disc leveling mode according to the comparison result of the sum of the disc to be leveled and the balance of the fund pool in the record of the disc to be leveled. The flat disk method can be classified into the following three cases.

Under the condition that the comparison result represents that the balance of the fund pool is greater than the amount of the to-be-leveled, calculating the amount difference between the balance of the fund pool and the amount of the to-be-leveled; setting a fund pool balance as an amount difference; and setting the state information corresponding to the recording of the disc to be leveled as successful.

And the foreign exchange purchasing or remitting is carried out without a foreign exchange calling organization, and the balance of the capital pool is utilized for flat disk processing. Setting 'flat-plate transaction dollar amount' as the batch flat-plate transaction dollar amount for each record of the to-be-leveled plate; the amount of the RMB payable is the daily price of the posting and the amount of the dollar of the batch flat trading; the settlement and sales of the money of Renminbi are manual flat-disk exchange rate flat-disk dollar amount of traded; the 'exchange rate of purchase' is the manual flat-plate exchange rate; the "credit card settlement remix flat-plate profit and loss amount" is (customer flat-plate exchange rate-manual flat-plate foreign exchange mechanism exchange rate) the dollar amount of batch flat-plate transaction, and the status information is set to success.

Under the condition that the comparison result represents that the balance of the fund pool is between zero and the amount of the to-be-leveled, calculating the amount difference between the amount of the to-be-leveled and the balance of the fund pool; and generating a foreign call request containing the money difference, and sending the foreign call request to a foreign exchange organization.

And after the foreign exchange request is sent to the foreign exchange mechanism, response information returned by the foreign exchange mechanism for the foreign exchange request is received. And if the response information represents that the outbound call is successful, setting the balance of the fund pool to be zero, and setting the state information corresponding to the to-be-leveled disk record to be successful. And if the response information represents that the outbound call fails, setting the state information corresponding to the record of the disc to be leveled as failure.

And when the balance of the capital pool is more than zero and the balance of the capital pool is less than the sum of the balance to be leveled, reserving the timing task to buy or remit, or directly calculating the sum difference after deduction aiming at each record to be leveled, and sending an outbound request to an outbound mechanism. The foreign exchange organization provides the financial institution with a consolidated or purchased exchange service.

Aiming at each record of the to-be-leveled plate, setting the 'flat plate transaction dollar amount' as the batch flat plate transaction dollar amount under the condition that the call-out is successful; the sum of money due to RMB is the sum difference and the daily price of the charge; the sum of the money of the RMB sold is the deduction sum manual flat rate + remaining amount flat rate; the purchase exchange rate is the flat disc exchange rate; the credit card selling sum of money loss and money loss is (customer sum of money rate-manual sum of money mechanism sum of money rate 1) sum of deduction + and (customer sum of money rate-manual sum of money mechanism sum of money rate 2) sum of surplus. The fund pool balance is set to zero and the status information is set to success.

And under the condition of outbound failure, setting the state information as failure, and setting the failure reason as outbound failure.

And thirdly, representing that the balance of the fund pool is zero according to the comparison result, generating an outbound request containing the amount of the to-be-leveled account, and sending the outbound request to a foreign exchange organization. And after the foreign call request is sent to the foreign exchange mechanism, response information returned by the foreign exchange mechanism for the foreign call request is received. And if the response information represents that the outbound call is successful, setting the balance of the fund pool to be zero, and setting the state information corresponding to the to-be-leveled disk record to be successful. And if the response information represents that the outbound fails, setting the state information corresponding to the record of the disc to be leveled as failure.

And in the case that the balance of the fund pool is zero, the balance is leveled through an outbound foreign exchange organization. And aiming at each record of waiting for the balance, setting the sum of the credit card settlement and the balance of the balance to be (the price of the entry day-the balance rate) and the residual sum under the condition of successful call-out, and setting the state information to be successful.

And under the condition of the outbound failure, setting the state information as the failure, and setting the failure reason as the outbound failure.

In the embodiment of the invention, a plurality of foreign exchange transaction types and a flat condition corresponding to each foreign exchange transaction type are set according to business requirements. And under the condition of meeting the balance condition corresponding to the foreign exchange transaction type, acquiring the balance of the to-be-leveled disk record corresponding to the foreign exchange transaction type and the balance of the fund pool corresponding to the to-be-leveled disk record. And performing disc leveling treatment on the records of the discs to be leveled according to the sum of the discs to be leveled and the balance of the fund pool in the records of the discs to be leveled. Therefore, the scheme of the embodiment of the invention automatically performs the plate flattening operation, can save the labor cost and has higher efficiency and accuracy compared with a manual plate flattening mode.

In an embodiment of the present invention, before obtaining the to-be-leveled disc record corresponding to the fx transaction type, the method further includes: acquiring a current date and determining whether the current date is a working day; and responding to the fact that the current date is the working day, and executing the step of obtaining the to-be-leveled disk record corresponding to the foreign exchange transaction type. Since some foreign exchange institutions do not operate on holidays, opening the plate only on working days allows the financial institutions to do the plate leveling. Therefore, after the current date is judged to be the working day, the flat disc processing is executed.

In an embodiment of the present invention, before obtaining the pending flat disc record corresponding to the type of the foreign exchange transaction, the method further includes: obtaining a system exchange rate; responding to the situation that the system exchange rate is not obtained, and continuously obtaining the system exchange rate until the obtained system exchange rate or the obtained times reach the preset times; and responding to the acquired system exchange rate, and executing the step of acquiring the to-be-leveled disk record corresponding to the foreign exchange transaction type.

After the exchange rate of the system is obtained, the system can perform subsequent flat disc processing. And if the system exchange rate is not acquired after the predicted times of attempts, stopping acquisition and sending an error reporting prompt so that relevant personnel can check errors of acquisition failure as soon as possible. The preset number of times may be 5, 10, 20, etc.

Fig. 2 is a flowchart illustrating a method for processing a flat-disc transaction for a global payment card of a foreign exchange transaction type according to a second embodiment of the present invention. As shown in fig. 2, the method includes:

step 201: and receiving clearing files sent by each international card organization.

For the foreign exchange gap of the global payment card, the clearing data is derived from the clearing document of the international card organization. The international card organization may include: VISA, master, jcb.

Step 202: and summarizing the clearing files sent by each international card organization to obtain a plurality of records to be leveled corresponding to the global payment cards.

The clearing files can be collected and processed in batches on the next day by setting a timing task to obtain a plurality of records to be leveled. The clearing files can be summarized according to the following dimensions: international card organization, currency, etc.

For example, after receiving a clearing file of a global payment card, at a preset time point every day, the system collects the file according to rules to obtain a plurality of to-be-leveled disk records, and stores the to-be-leveled disk records into a to-be-leveled disk list. The disc to be leveled comprises: and recording the time and date of the data, and updating the recording state of the disc to be leveled into the disc to be leveled. The preset time points may be: 6 am, 12 am, 10 pm, etc.

Step 203: and determining the flat condition corresponding to the global payment card.

Step 204: and acquiring system information and/or market information, and determining whether the system information and/or the market information meet the flat condition.

The plate condition can be set according to specific requirements. For example, the flat condition may be that the current time is 10 o' clock on weekday. A timed task is set in the system, executed every day 10. And if the working day is the working day, acquiring the exchange rate of the system.

And if the exchange rate acquisition fails, reserving a timing task, and acquiring the system exchange rate after the timing task is in a preset time interval. And if the acquisition is successful, recording the acquired system exchange rate into the exchange rate table. And recording the acquisition times on the same day, and after 10 times, not acquiring the exchange rate on the same day, and setting the states of all the tasks to be processed as failures.

Step 205: and responding to the fact that the system information and/or the market information meet the disc-leveling condition, and acquiring a disc-waiting record corresponding to the global payment card.

Under the condition that the exchange rate is successfully obtained, finding the last working day through the holiday parameter table, and inquiring 10 < 00 > of the current day from the waiting disc list, wherein the task information is a record which is not executed or fails. And determining the inquired record as the record to be leveled.

The records to be stored on the flat disc can be sorted according to different international card organizations. For example, the flatdisk recordings may be sorted in the order of VISA, master, jcb.

Step 206: and determining a fund pool record corresponding to the to-be-leveled disk record from the fund pool.

Step 207: and performing flat disc processing on the record of the flat disc to be processed according to the record of the capital pool.

Taking out the settlement or sale of each currency from the fund pool can deduct the balance of the fund pool and the manual flat plate exchange rate corresponding to the balance of the fund pool. And when the balance of the fund pool is larger than the amount of the to-be-leveled fund, directly utilizing the balance of the fund pool to perform leveling treatment.

And circularly scanning the to-be-leveled disk list. And aiming at each disc to be leveled, establishing a timed outbound task of requesting an outbound foreign exchange mechanism under the condition that the balance of the fund pool is less than the sum of the money to be leveled, and updating information such as 'amount of paid dollars on the disc "," amount of money due to RMB', 'amount of money sold RMB', 'exchange rate for buying' and the like in the records to be leveled in batches after the outbound request is successful. And calculating and storing the credit card balance selling balance plate profit and loss amount.

And if the foreign exchange calling mechanism fails, updating the state information in the record of the to-be-leveled disk into failure. Checking whether the disc leveling times recorded aiming at the disc to be leveled are less than 10 times, if so, continuing to reserve a timing outbound task aiming at the disc to be leveled, wherein the interval between the execution time of the timing outbound task and the current time is a preset time period. The preset time period may be: ten minutes, 30 minutes, one hour, etc.

Fig. 3 is a flowchart illustrating a method for processing a balance according to a type of a foreign exchange transaction, namely, a payment for a purchase of the foreign exchange, according to a third embodiment of the present invention. As shown in fig. 3, the method includes:

step 301: receiving a money buying and repaying request sent by a target client; and generating a money purchasing and repaying flat-disk request corresponding to the money purchasing and repaying request.

The money buying and repayment is the behavior that a customer purchases foreign money by using the RMB and then repays a foreign money account. For foreign exchange gaps caused by money buying and repayment, data is derived from logs recorded by a system, and the design of quasi-real-time flat discs can be carried out by adopting received repayment messages.

To decouple the buy payment from the buy payment balance. After receiving the remittance and repayment request, generating a repayment processing request and a remittance and repayment flat disk purchase request. And sending the repayment processing request to a repayment processing component, and sending the remittance repayment flat-plate purchasing request to a flat-plate processing component. The flat disc processing component has a message receiving function, receives a money purchasing and repaying flat disc request, and performs flat disc processing or saving and stacking flat disc processing. The repayment processing assembly and the flat disc processing assembly operate independently, and even if the flat disc processing fails, the repayment of a user is not influenced.

Step 302: and generating a to-be-leveled disc record corresponding to the purchase and payment request according to the request information in the purchase and payment leveling request.

The request information may include: time of occurrence, currency, transaction mode, etc. The transaction mode comprises the following steps: and (5) closing or selling the remittance.

Step 303: and determining the flat condition corresponding to the exchange purchase payment.

The plate condition can be set according to specific requirements. For example, the balance condition corresponding to the exchange purchase and payment is real-time processing on a working day, that is, the balance record to be balanced corresponding to the exchange purchase and payment request is subjected to balance processing when the balance purchase and payment request is received on the working day, so that the overnight risk of the exchange rate is avoided, and the loss caused by the fluctuation of the exchange rate is reduced.

Step 304: acquiring system information and/or market information, and determining whether the system information and/or the market information meet a flat condition.

Step 305: and responding to the fact that the system information and/or the market information meet the disc-leveling condition, and acquiring a disc-to-be-leveled record corresponding to the money-buying and repayment.

Step 306: and determining a fund pool record corresponding to the to-be-leveled disk record from the fund pool.

Step 307: and performing flat disc processing on the record to be flat disc according to the record of the capital pool.

Since some foreign exchange institutions do not operate on holidays, opening the disks only on weekdays allows financial institutions to perform leveling. And if the current date is a holiday, recording the to-be-leveled disc record corresponding to the purchased and paid money into a to-be-leveled disc list, and setting the state of the to-be-leveled disc record as unexecuted.

An automatic task may be set, which is periodically executed at a preset time point of the working day. If the current date is a holiday or an annual ending, the automatic task does not proceed. And if the current date is the working day, the automatic task screens the to-be-leveled disk records with the execution failure or non-execution states from the to-be-leveled disk list, and performs leveling processing on the screened to-be-leveled disk records. The preset time points may be: 6 am, 12 am, 10 pm, etc.

And circularly scanning the to-be-leveled disk list. And aiming at each disc to be leveled, under the condition that the balance of the fund pool is less than the sum of the money to be leveled, establishing a timed foreign exchange task of a foreign exchange calling request mechanism, and updating the information of 'disc transaction dollar amount', 'money amount due to RMB', 'money amount for sale', 'money rate for buying remittance', and the like in the disc to be leveled in batches after the foreign exchange is successfully requested. And calculating and storing the credit card balance sale and settlement price and profit loss amount.

And if the foreign exchange calling mechanism fails, updating the state information in the record of the to-be-leveled disk into failure. Checking whether the disc leveling times recorded aiming at the disc to be leveled are less than 10 times, if so, continuing to reserve a timed call-out task recorded aiming at the disc to be leveled, wherein the interval between the execution time of the timed call-out task and the current time is a preset time period. The preset time period may be: ten minutes, 30 minutes, one hour, etc.

The money buying and repaying business of the customer is processed, and the money buying and repaying business needs to be subjected to flat-disk processing. The flat-tray process is typically performed during processing of the exchange payment. If the flat plate has a problem, the normal operation of the money buying and repaying service is influenced, so that the repaying experience of customers is poor. In the embodiment of the invention, the money buying and repaying process of the customer and the flat disc process of the money buying and repaying are decoupled in a message receiving mode, so that the normal operation of the money buying and repaying process cannot be influenced even if the flat disc process has a problem, and the influence on the use experience of the money repaying service of the customer is avoided.

In an embodiment of the present invention, after generating the to-be-leveled disc record corresponding to the request for buying, remitting and repaying, the method further includes: determining whether the current date is a workday; in response to the current date being a non-workday, determining identity information of the target customer; and determining whether to summarize the to-be-leveled records corresponding to the target client or not according to the identity information, and summarizing the to-be-leveled records corresponding to the target client with the identity information meeting the preset conditions.

The identity information includes: personal customers, group customers, business card customers, etc. After receiving the purchase, exchange and repayment requests of group customers and business card customers in holidays, due to the fact that the transaction amount of the customers is large, the records to be leveled of the target customers can be summarized, and leveling processing in the next working day is facilitated. The transaction amount of the individual customer is limited, and the transaction amount does not need to be summarized in advance.

Fig. 4 is a schematic structural diagram of a flat disc processing apparatus according to an embodiment of the present invention, as shown in fig. 4, the apparatus includes:

a condition determining module 401, configured to determine a flat condition corresponding to the type of the foreign exchange transaction;

an information determining module 402, configured to obtain system information and/or market information, and determine whether the system information and/or the market information satisfy the flat condition;

a record obtaining module 403, configured to obtain a to-be-leveled record corresponding to the foreign exchange transaction type in response to that the system information and/or the market information meet the leveling condition;

a balance determining module 404, configured to determine, from a fund pool, a fund pool record corresponding to the to-be-leveled disk record;

and a flat disc module 405, configured to perform flat disc processing on the record of the to-be-flat disc according to the record of the fund pool.

Optionally, the fx transaction type is: a global payment card transaction;

the record obtaining module 403 is specifically configured to:

receiving clearing files sent by each international card organization;

Optionally, the type of the foreign exchange transaction is: transaction of buying money and repaying money;

the record obtaining module 403 is specifically configured to:

receiving a money buying and repaying request sent by a target client;

generating a money buying and repaying flat disc request corresponding to the money buying and repaying request;

and generating a to-be-leveled record corresponding to the purchase and payment request according to the request information in the purchase and payment leveling request.

Optionally, the record obtaining module 403 is further configured to determine whether the current date is a working day;

Optionally, the flat disc module 405 is specifically configured to:

in response to a comparison result representing that the fund pool balance is greater than the amount of the to-be-leveled, calculating an amount difference between the fund pool balance and the amount of the to-be-leveled;

setting the fund pool balance to the amount difference;

Optionally, the flat disc module 405 is specifically configured to:

comparing the balance of the fund pool in the fund pool record with the amount of the to-be-leveled disk in the to-be-leveled disk record;

and generating a foreign calling request containing the money difference, and sending the foreign calling request to a foreign exchange mechanism.

Optionally, the flat disc module 405 is specifically configured to:

and responding to zero of the balance of the fund pool, generating an outbound request containing the amount of the to-be-leveled account, and sending the outbound request to an foreign exchange organization.

Optionally, the flat disc module 405 is further configured to:

Optionally, the apparatus further comprises:

a working day determining module 406, configured to obtain a current date and determine whether the current date is a working day;

Optionally, the apparatus further comprises:

an exchange rate obtaining module 407, configured to obtain a system exchange rate;

An embodiment of the present invention provides an electronic device, including:

one or more processors;

a storage device for storing one or more programs,

when the one or more programs are executed by the one or more processors, the one or more processors are caused to implement the method of any of the embodiments described above.

Embodiments of the present invention provide a computer program product, which includes a computer program, and when the computer program is executed by a processor, the computer program implements the enterprise risk assessment method in the embodiments of the present invention.

Referring now to FIG. 5, shown is a block diagram of a computer system 500 suitable for use with a terminal device implementing an embodiment of the present invention. The terminal device shown in fig. 5 is only an example, and should not bring any limitation to the functions and the use range of the embodiment of the present invention.

As shown in fig. 5, the computer system 500 includes a Central Processing Unit (CPU) 501 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 502 or a program loaded from a storage section 508 into a Random Access Memory (RAM) 503. In the RAM 503, various programs and data necessary for the operation of the system 500 are also stored. The CPU 501, ROM 502, and RAM 503 are connected to each other via a bus 504. An input/output (I/O) interface 505 is also connected to bus 504.

The following components are connected to the I/O interface 505: an input portion 506 including a keyboard, a mouse, and the like; an output portion 507 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 508 including a hard disk and the like; and a communication section 509 including a network interface card such as a LAN card, a modem, or the like. The communication section 509 performs communication processing via a network such as the internet. The driver 510 is also connected to the I/O interface 505 as necessary. A removable medium 511 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 510 as necessary, so that a computer program read out therefrom is mounted into the storage section 508 as necessary.

In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 509, and/or installed from the removable medium 511. The computer program performs the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 501.

It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: the device comprises a condition determining module, an information determining module, a record acquiring module, a balance determining module and a flat disc module. The names of these modules do not form a limitation on the module itself in some cases, for example, the condition determining module may also be described as a "module that determines a flat condition corresponding to the type of the foreign exchange transaction".

As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not assembled into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise:

determining a balance condition corresponding to the foreign exchange transaction type;

acquiring system information and/or market information, and determining whether the system information and/or the market information meet the market conditions;

According to the technical scheme of the embodiment of the invention, a plurality of foreign exchange transaction types and the flat conditions corresponding to the foreign exchange transaction types are set according to business requirements. And under the condition of meeting the balance condition corresponding to the foreign exchange transaction type, acquiring the balance of the to-be-leveled disk record corresponding to the foreign exchange transaction type and the fund pool corresponding to the to-be-leveled disk record. And performing disc leveling treatment on the record of the disc to be leveled according to the sum of the disc to be leveled and the balance of the fund pool in the record of the disc to be leveled. Therefore, the scheme of the embodiment of the invention automatically performs the plate flattening operation, can save the labor cost and has higher efficiency and accuracy compared with a manual plate flattening mode.

The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A flat disc processing method, comprising:

2. The method of claim 1, wherein the type of the foreign exchange transaction is: a global payment card transaction;

receiving clearing files sent by each international card organization;

3. The method of claim 1, wherein the type of the foreign exchange transaction is: transaction of buying money and repaying money;

receiving a money buying and repaying request sent by a target client;

4. The method of claim 3, wherein after generating the pending payment record corresponding to the purchase payment request, the method further comprises:

determining whether the current date is a workday;

5. The method according to claim 1, wherein the leveling the to-be-leveled disk record according to the fund pool record comprises:

setting the fund pool balance to the amount difference;

6. The method according to claim 1, wherein the leveling the to-be-leveled record according to the fund pool record comprises:

7. The method according to claim 1, wherein the leveling the to-be-leveled record according to the fund pool record comprises:

8. The method according to any of claims 6 or 7, wherein after sending the outbound request to a foreign exchange authority, further comprising:

9. The method of claim 1, wherein before obtaining the pending flat record corresponding to the type of the foreign exchange transaction, further comprising:

10. The method of claim 1, wherein before obtaining the pending flat record corresponding to the type of the foreign exchange transaction, further comprising:

obtaining a system exchange rate;

11. A flat disc processing apparatus, comprising:

12. The apparatus of claim 11, wherein the fx transaction type is: a global payment card transaction;

the record acquisition module is specifically configured to:

receiving clearing files sent by each international card organization;

13. An electronic device, comprising:

one or more processors;

a storage device for storing one or more programs,

when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-10.

14. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-10.

15. A computer program product comprising a computer program, characterized in that the computer program realizes the method according to any of claims 1-10 when executed by a processor.