CN117611334A - Resource exchange management method, device, equipment and storage medium - Google Patents
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract
The invention discloses a resource exchange management method, a device, equipment and a storage medium, wherein the method comprises the following steps: receiving a user transaction request; the user transaction request comprises a request resource amount, an initial resource type and a target resource type; requesting a resource quantity to characterize the resource quantity of the initial resource being redeemed; determining a target transaction channel from a plurality of transaction channels based on the initial resource type and the target resource type; the target transaction channel corresponds to a target exchange relationship which maximizes the amount of the exchange resources; the target exchange relationship characterizes the resource exchange relationship between the initial resource type and the target resource type; determining a conversion resource amount corresponding to the request resource amount based on the target conversion relation; and returning the target resources for exchanging the resource quantity to the target user. According to the method and the device for realizing the resource exchange, the target transaction channel is determined from the plurality of transaction channels according to the user transaction request of the target user, so that the resource exchange is realized based on the target transaction channel, and the convenience of the resource exchange and the income of the resource exchange can be improved.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a resource exchange management method, a device, equipment and a storage medium.
Background
With the global development of economy, the exchange of the foreign exchange gradually occupies a part of transactions in daily life of people, however, as exchange rate is changed at moment, users go to banking institutions to perform the exchange of the foreign exchange, namely, online exchange of the foreign exchange is difficult to ensure real-time performance, and funds of the users are possibly lost due to the change of the exchange rate; meanwhile, since the currency types are various, different banking institutions may not be able to exchange the currency of the whole type in a whole way, or even if the currency of the whole type can be covered, the exchange cannot be completed due to insufficient exchange or the exchange rate comparison cannot be performed, so that the yield loss is caused.
Disclosure of Invention
In view of the above-mentioned drawbacks of the prior art, the technical problem to be solved by the present invention is how to improve the convenience of resource exchange and how to ensure the maximization of the resource exchange benefits.
In order to solve at least one technical problem set forth above, a resource exchange management method, device, equipment and storage medium are provided.
According to an aspect of the present disclosure, there is provided a resource redemption management method including:
Receiving a user transaction request of a target user; the user transaction request comprises a request resource amount, an initial resource type and a target resource type; the requested resource quantity characterizes the resource quantity of the initial resource which is converted;
determining a target transaction channel from a plurality of transaction channels based on the initial resource type and the target resource type; the target transaction channel corresponds to a target exchange relationship which maximizes the exchange resource quantity; the target redemption relationship characterizes the initial resource types and the resource redemption relationships between the target resource types;
determining a conversion resource amount corresponding to the request resource amount based on the target conversion relationship;
and returning the target resources of the converted resource quantity to the target user.
In some possible embodiments, the determining a target transaction channel from a plurality of transaction channels based on the initial resource type and the target resource type comprises:
performing resource exchange detection on the transaction channels based on the initial resource type and the target resource type to obtain exchange detection results;
when the exchange detection result indicates that the resource exchange relationship exists among the plurality of transaction channels, carrying out exchange relationship comparison on the resource exchange relationship corresponding to the plurality of candidate transaction channels to obtain a relationship comparison result;
Determining a target exchange relationship from the resource exchange relationships corresponding to the plurality of candidate transaction channels based on the relationship comparison result;
and determining the transaction channel corresponding to the target exchange relationship as the target transaction channel.
In some possible embodiments, the determining, based on the target redemption relationship, a redemption resource amount corresponding to the requested resource amount includes:
performing exchange limit detection on the user transaction request to obtain a limit detection result;
determining a conversion resource amount corresponding to the request resource amount based on the target conversion relation under the condition that the limit detection result indicates that the transaction account, the request initiation time, the initial resource type and the target resource type meet the conversion condition; the redemption conditions include transaction account limitations, resource type limitations, and transaction time limitations.
In some possible embodiments, the method further comprises:
the method comprises the steps of inquiring entrusted information based on the transaction account to obtain a first inquiring result;
accessing the remaining requested resource amount of the transaction account based on a preset query period under the condition that the first query result indicates that the transaction account exists in the entrusted redemption list; the entrusted exchange list is used for recording a transaction account with an entrusted exchange request; the resource type corresponding to the residual request resource amount is a first resource type;
When the residual request resource amount is larger than or equal to a preset residual resource amount and the resource exchange relationship between the first resource type and the second resource type meets the preset resource exchange relationship, determining the residual exchange resource amount corresponding to the residual request resource amount based on the resource exchange relationship between the first resource type and the second resource type; and the resource type corresponding to the residual exchange resource amount is the second resource type.
In some possible embodiments, the method further comprises:
performing resource relation detection on the initial resource type and the target resource type corresponding to the user transaction request to obtain a relation detection result;
determining an intermediate resource type from a plurality of resource types under the condition that the relation detection result indicates that no direct resource exchange relation exists between the initial resource type and the target resource type;
and determining the exchange resource quantity corresponding to the request resource quantity based on the intermediate resource type.
In some possible embodiments, after the exchanging resource amount corresponding to the request resource amount is returned to the user based on the target exchanging relationship, the method includes:
Determining a transaction request to be integrated from the plurality of user transaction requests based on a preset integration rule; the number of the transaction requests to be integrated is at least two;
and sending resource exchange information to the target transaction channel based on the transaction request to be integrated.
In some possible embodiments, the method further comprises:
inquiring information of the transaction account based on the history account list to obtain a second inquiring result; the history account list is used for storing the transaction account information;
and under the condition that the second query result indicates that the transaction account exists in the historical account list, creating a reserved exchange list based on the transaction account, the initial resource type corresponding to the transaction account, the target resource type corresponding to the transaction account, and the resource exchange relation corresponding to the current transaction moment.
According to a second aspect of the present disclosure, there is provided a resource redemption management device, the device comprising:
according to a third aspect of the present disclosure, there is provided an electronic device comprising a processor and a memory having stored therein at least one instruction and at least one program loaded and executed by the processor to implement a resource redemption management method as described above.
According to a fourth aspect of the present disclosure, there is provided a computer storage medium having stored therein at least one instruction and at least one program loaded and executed by a processor to implement a resource redemption management method as described above.
The implementation of the invention has the following beneficial effects:
in the invention, after receiving the user transaction request of the target user, determining the target transaction channel capable of meeting the resource exchange from a plurality of transaction channels according to the initial resource type and the target resource type in the user transaction request, thereby improving the convenience and the instantaneity of the resource exchange; the target transaction channel can provide a resource exchange relationship which maximizes the exchange resource quantity, and the resource exchange of the request resource quantity is realized based on the resource exchange relationship corresponding to the target transaction channel, so that the target resource corresponding to the exchange resource quantity is obtained, and the income of the resource exchange can be improved.
Drawings
In order to more clearly illustrate the technical solutions of the present invention, the following description will briefly explain the drawings used in the embodiments or the description of the prior art, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and that other drawings can be obtained according to these drawings without inventive effort for a person skilled in the art.
Fig. 1 is a schematic flow diagram corresponding to a resource exchange management method according to an embodiment of the present invention;
FIG. 2 is a schematic flow chart of determining a target channel according to an embodiment of the present invention;
fig. 3 is a schematic flow chart corresponding to detection of exchange limit according to an embodiment of the present invention;
fig. 4 is a schematic flow diagram corresponding to the delegated exchange detection provided in the embodiment of the present invention;
fig. 5 is a schematic flow diagram corresponding to splitting of exchange relationship according to an embodiment of the present invention;
fig. 6 is a schematic flow chart of resource lot exchange according to an embodiment of the present invention;
FIG. 7 is a schematic flow chart of creating a corresponding reservation exchange worksheet according to an embodiment of the present invention;
FIG. 8 is a diagram of a resource redemption platform rack configuration provided in accordance with an embodiment of the present invention;
fig. 9 is a schematic structural diagram corresponding to a resource exchange management device according to an embodiment of the present invention.
Detailed Description
The technical solutions of the embodiments of the present specification will be clearly and completely described below with reference to the drawings in the embodiments of the present specification, and it is apparent that the described embodiments are only some embodiments of the present specification, not all embodiments. All other embodiments, which can be made by one of ordinary skill in the art without undue burden from the present disclosure, are intended to be within the scope of the present invention based on the embodiments herein.
It should be noted that the terms "first," "second," and the like in the description and the claims of the present invention and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that the embodiments of the invention described herein may be implemented in sequences other than those illustrated or otherwise described herein. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or server that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed or inherent to such process, method, article, or apparatus, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
Various exemplary embodiments, features and aspects of the disclosure will be described in detail below with reference to the drawings. In the drawings, like reference numbers indicate identical or functionally similar elements. Although various aspects of the embodiments are illustrated in the accompanying drawings, the drawings are not necessarily drawn to scale unless specifically indicated.
The word "exemplary" is used herein to mean "serving as an example, embodiment, or illustration. Any embodiment described herein as "exemplary" is not necessarily to be construed as preferred or advantageous over other embodiments.
The term "and/or" is herein merely an association relationship describing an associated object, meaning that there may be three relationships, e.g., a and/or B, may represent: a exists alone, A and B exist together, and B exists alone. In addition, the term "at least one" herein means any one of a plurality or any combination of at least two of a plurality, for example, including at least one of A, B, C, and may mean including any one or more elements selected from the group consisting of A, B and C.
Furthermore, numerous specific details are set forth in the following detailed description in order to provide a better understanding of the present disclosure. It will be understood by those skilled in the art that the present disclosure may be practiced without some of these specific details. In some instances, methods, means, elements, and circuits well known to those skilled in the art have not been described in detail in order not to obscure the present disclosure.
Fig. 1 shows a flow diagram corresponding to a resource exchange management method provided by an embodiment of the present invention; the execution subject can be any terminal comprising a resource exchange platform capable of realizing a resource exchange management method; referring to fig. 1, a resource exchange management method includes:
Step S101: receiving a user transaction request of a target user; the user transaction request comprises a request resource amount, an initial resource type and a target resource type; the requested resource quantity characterizes the resource quantity of the initial resource which is converted;
in a particular embodiment, the resource may be a transaction amount corresponding to the type of resource; the resource amount may be transaction amount data; the resource type may be a currency type, i.e. a currency type; the requested resource amount may be transaction amount data that needs to be redeemed; the user transaction request may include a requested resource amount, an initial resource type, and a target resource type, i.e., including transaction amount data, an initial currency, and a target currency.
Specifically, for example, if the user transaction request is 100-a-B, the initial resource is 100A, the requested resource amount is 100, the initial resource type is a, and the target resource type is B; or the initial resource is 100B, the request resource quantity is 100, the initial resource type is B, and the target resource type is A; the data format of the user transaction request is not limited in the embodiment of the present invention.
Step S102: determining a target transaction channel from a plurality of transaction channels based on the initial resource type and the target resource type; the target transaction channel corresponds to a target exchange relationship which maximizes the exchange resource quantity; the target redemption relationship characterizes the initial resource types and the resource redemption relationships between the target resource types;
In a specific embodiment, the resource exchange platform capable of executing the resource exchange method may be correspondingly accessed into a plurality of transaction channels, where the plurality of transaction channels may include different transaction channels in the same country or may include different transaction determinations in different countries, and the transaction channels may be banking institutions, i.e. the resource exchange platform may be accessed into a plurality of banking institutions in different countries, so as to implement resource exchange (i.e. currency exchange) and globalization of management; the converted resource amount can be transaction amount data obtained through resource conversion; the maximum exchange resource quantity, namely transaction amount data which can be obtained after the same initial resource is subjected to resource exchange is the maximum transaction amount data corresponding to the current transaction moment; the resource exchange relationship may be a rate relationship for exchanges between currencies.
Specifically, banking institutions in different countries and different institutions in the same country can correspond to different resource exchange relationships (namely currency exchange relationships), so that a target transaction channel is determined from a plurality of transaction channels according to an initial resource type and a target resource type, on one hand, the transaction channel meeting the resource exchange relationship between the initial resource type and the target resource type is screened from the transaction channels, and on the other hand, on the basis of meeting the resource exchange relationship, the transaction channel with the best resource exchange relationship is selected as the target transaction channel, wherein the best resource exchange relationship (namely the target exchange relationship) is: at the current transaction moment, the optimal resource exchange relationship of the target resource with the maximum transaction amount can be obtained after the same initial resource is subjected to resource exchange.
Step S103: determining a conversion resource amount corresponding to the request resource amount based on the target conversion relationship;
in a particular embodiment, the redemption resource amount is derived in conjunction with the request resource amount (i.e., transaction amount data) based on the redemption relationship between the initial resource type and the target resource type (i.e., the exchange rate between the initial currency and the target currency).
Specifically, for example, the requested resource amount is 100, and the target exchange relationship is: the initial resource type is M, the target resource type is N, the currency of 1M can be exchanged for the currency of 7N, and the exchanged resource amount is 700 after calculation.
Step S104: and returning the target resources of the converted resource quantity to the target user.
In a specific embodiment, after the amount of the converted resource is determined, determining a target resource according to the target resource type; for example, with the above embodiment, if the amount of the converted resource is 700, the target resource is 700N, and 700N is returned to the target user, so as to complete the resource conversion (i.e., currency conversion).
Specifically, after obtaining the user transaction request, the method further includes: generating an internal exchange list according to the user transaction request and the resource exchange relation between the resource exchange platform and the user, and executing the user transaction request according to the internal exchange list so as to realize currency exchange (namely, returning target resources to the target user); in order to ensure the validity of the currency exchange and improve the convenience of the currency exchange management, after the currency exchange is completed, the resource exchange platform can generate an exchange identifier for recording and returning whether the exchange is successful or not to the user.
Further, for the platform, the transaction between the user and the resource exchange platform is an internal exchange transaction, and the transaction between the platform and the transaction channel is an external exchange transaction; for the abnormality existing in the internal exchange transaction, the account balance (account balance is the residual request resource quantity mentioned later) of the target user is insufficient, so that the exchange cannot be performed, and for the abnormality, a corresponding internal exchange list can be added into a suspension queue, and currency exchange is completed when the account balance is sufficient; the abnormality of the internal exchange transaction can also comprise abnormality caused by system fault, for example, the abnormality of any account corresponding to the platform or the user can not be exchanged normally, and for the abnormality, error information can be reported and processed, and currency exchange is completed after the fault is eliminated.
In the embodiment of the invention, after receiving the user transaction request of the target user, determining the target transaction channel capable of meeting the resource exchange from a plurality of transaction channels according to the initial resource type and the target resource type in the user transaction request, thereby improving the convenience and instantaneity of the resource exchange; the target transaction channel can provide a resource exchange relationship which maximizes the exchange resource quantity, and the resource exchange of the request resource quantity is realized based on the resource exchange relationship corresponding to the target transaction channel, so that the target resource corresponding to the exchange resource quantity is obtained, and the income of the resource exchange can be improved.
Fig. 2 is a schematic flow chart of determining a target channel according to an embodiment of the present invention, and as shown in fig. 2, the determining, based on the initial resource type and the target resource type, a target transaction channel from a plurality of transaction channels includes:
step S201: performing resource exchange detection on the transaction channels based on the initial resource type and the target resource type to obtain exchange detection results;
in a specific embodiment, in particular, banking institutions in different countries and different institutions in the same country may correspond to different resource exchange relationships (i.e., currency exchange relationships), and a target transaction channel is determined from a plurality of transaction channels according to an initial resource type and a target resource type, where on one hand, a transaction channel satisfying the resource exchange relationship between the initial resource type and the target resource type is selected from the plurality of transaction channels, and on the other hand, a transaction channel having an optimal resource exchange relationship is selected as the target transaction channel based on satisfying the resource exchange relationship. Therefore, it is necessary to perform resource redemption detection according to the resource type to determine whether the transaction channel is capable of performing resource redemption from the initial resource type to the target resource type.
Step S202: when the exchange detection result indicates that the resource exchange relationship exists among the plurality of transaction channels, carrying out exchange relationship comparison on the resource exchange relationship corresponding to the plurality of candidate transaction channels to obtain a relationship comparison result;
in a specific embodiment, if there are a plurality of candidate transaction channels corresponding to the resource exchange relationship, which indicates that there are a plurality of transaction channels capable of satisfying the resource exchange from the initial resource to the target resource, in order to further ensure the benefit of the resource exchange and improve the benefit of the resource exchange process, the resource exchange relationship of the plurality of candidate transaction channels may be compared, that is, the exchange rates of the plurality of banking institutions may be compared, to obtain a relationship comparison result, where the relationship comparison result may include the exchange rates arranged in ascending order or descending order.
Further, when the exchange detection result indicates that only one transaction channel corresponds to a resource exchange relationship capable of meeting the requirement that the initial resource is exchanged to the target resource, the transaction channel is directly determined to be the target transaction channel, the resource exchange relationship is the target exchange relationship, comparison of the resource exchange relationship is not needed, and therefore calculation resources can be saved and efficiency of the resource exchange process can be improved.
Step S203: determining a target exchange relationship from the resource exchange relationships corresponding to the plurality of candidate transaction channels based on the relationship comparison result;
in a specific embodiment, the optimal exchange rate (i.e., the optimal resource exchange relationship) is selected from the ordered exchange rate queue as the target exchange relationship based on the relationship comparison.
Step S204: and determining the transaction channel corresponding to the target exchange relationship as the target transaction channel.
In a specific embodiment, if only one optimal resource exchange relationship exists, determining that the optimal resource exchange relationship is a target exchange relationship, wherein a transaction channel corresponding to the target exchange relationship is a target transaction channel; if the optimal resource exchange relationship is a plurality of, one resource exchange relationship can be randomly selected as a target exchange relationship, and a target transaction channel can be determined according to other information such as transaction initiation time.
Specifically, for example, the transaction time is 8:15, there is a transaction channel a, working time is 9:30-17:00, the resource exchange relationship is relationship 1; transaction channel B, working time 8:30-17:30, the resource exchange relationship is relationship 2; transaction channel C, working time is 8:00-17:30, the resource exchange relationship is relationship 3; and transaction channel D, working time 9:00-17:00, the resource exchange relationship is relationship 4; the relation 1=relation 3=relation 4, and the request resource quantity is larger than the exchange resource quantity obtained by carrying out resource exchange based on the relation 2 based on the relation 1; firstly, determining a resource exchange relationship, namely, eliminating a transaction channel B if three optimal resource exchange relationships exist, and determining a target transaction channel from the rest three transaction channels, wherein further, the transaction time is 8:15, neither the transaction channel a nor the transaction channel D is in working time, so the transaction channel C is selected as the target transaction channel.
In the embodiment of the invention, firstly, the resource exchange detection is carried out according to the resource type, so that the acquisition of the resource exchange relation from all transaction channels and the screening and sorting can be avoided, the efficiency of determining the target transaction channel is improved, and the calculation resources are saved; further, for the transaction channel capable of realizing the resource exchange, the resource exchange relationship is obtained, and the optimal resource exchange relationship is determined from the plurality of resource exchange relationships to perform the resource exchange, so that the target resource can be maximized, and the benefit of the resource exchange process is improved.
The user transaction request also comprises a transaction account and a request initiating time; fig. 3 is a schematic flow chart corresponding to detection of a redemption limit, where, as shown in fig. 3, the determining, based on the target redemption relationship, a redemption resource amount corresponding to the requested resource amount includes:
step S301: performing exchange limit detection on the user transaction request to obtain a limit detection result;
in a particular embodiment, the user transaction request may also include a request initiation time and a transaction account, which may be a merchant number; after the internal exchange list is generated, exchange limit detection needs to be performed on the user transaction request included in the internal exchange list, and resource exchange can be performed only when the user transaction request meets the exchange condition.
Step S302: determining a conversion resource amount corresponding to the request resource amount based on the target conversion relation under the condition that the limit detection result indicates that the transaction account, the request initiation time, the initial resource type and the target resource type meet the conversion condition; the redemption conditions include transaction account limitations, resource type limitations, and transaction time limitations.
In a specific embodiment, if the constraint detection result indicates that the information included in the user transaction request such as the transaction account, the request initiation time, the initial resource type, and the target resource type all meet the exchange condition, the exchange resource amount is determined according to the target exchange relationship.
The redemption relationship may include at least transaction account limitations, resource type limitations, transaction time limitations, and the like; for example, the trade time limit may include a trade date limit and a trade time limit, there are some trade channels, and on some dates if holidays, etc., no resource exchange trade is performed.
And when the limit detection result indicates that the information included in the user transaction requests such as the transaction account, the request initiation time, the initial resource type, the target resource type and the like does not meet the exchange condition, adding the internal exchange list into the suspension queue, waiting for the release of the limit condition (namely after meeting the exchange condition), and performing resource exchange according to the resource exchange relation corresponding to the moment of the internal exchange list and the contact limit condition.
Further, for the worksheets added into the suspension queue, after entering the internal exchange process, at least one review is required to ensure that the internal exchange is successfully completed.
In the embodiment of the invention, before internal exchange is carried out, exchange limit detection is carried out according to the user transaction request, and the internal exchange is carried out only for the user transaction request meeting the exchange condition, so that the success rate and the effectiveness of the internal exchange can be improved; for the user transaction request which does not meet the exchange condition, adding the user transaction request into a suspension queue for delay processing, so that the convenience of transaction management of the part can be improved; and for the internal exchange list/user transaction request in the suspension queue, the resource exchange is carried out after the limiting condition is released, so that the real-time performance and the efficiency of the resource exchange can be improved.
Fig. 4 is a schematic flow diagram of the proxy redemption detection according to the embodiment of the present invention, as shown in fig. 4, where the method further includes:
step S401: the method comprises the steps of inquiring entrusted information based on the transaction account to obtain a first inquiring result;
in a specific embodiment, since the resource exchange platform can dock with the company account, in order to improve the convenience of the user for resource exchange, automatic resource exchange is realized, the resource exchange platform is provided with a commission exchange function, and whether the commission exchange is established between the transaction account and the resource exchange platform or not is determined according to the commission exchange list.
Step S402: accessing the remaining requested resource amount of the transaction account based on a preset query period under the condition that the first query result indicates that the transaction account exists in the entrusted redemption list; the entrusted exchange list is used for recording a transaction account with an entrusted exchange request; the resource type corresponding to the residual request resource amount is a first resource type;
in a particular embodiment, the delegated redemption list is used to deposit a transaction account that establishes a delegated redemption with the resource redemption platform. Based on the entrusted exchange list, carrying out entrusted information inquiry on a transaction account in a user transaction request to obtain a first inquiry result; according to the first query result, if entrusted exchange is established between the transaction account and the resource exchange platform, periodically detecting the account balance of the transaction account (namely, the residual request resource amount for accessing the transaction account based on a preset query period), wherein the preset query period can be determined by a user corresponding to the transaction account, and the residual request resource amount is the account balance of the transaction account; the first resource type is the resource type of the residual request resource quantity, namely the initial resource type of the residual request resource quantity in the resource exchange process.
Step S403: when the residual request resource amount is larger than or equal to a preset residual resource amount and the resource exchange relationship between the first resource type and the second resource type meets the preset resource exchange relationship, determining the residual exchange resource amount corresponding to the residual request resource amount based on the resource exchange relationship between the first resource type and the second resource type; and the resource type corresponding to the residual exchange resource amount is the second resource type.
In a specific embodiment, the second resource type is a resource type of the remaining converted resource amount, that is, a target resource type obtained after the remaining request resource amount is converted into the resource; the second resource type, the preset remaining amount of resources, and the preset resource redemption relationship may all be determined by the user. And calculating the residual exchange resource quantity corresponding to the residual request resource quantity under the condition that the account balance of the transaction account is larger than the preset residual resource quantity and the resource exchange relation at the inquiring moment is larger than or equal to the preset resource exchange relation, so as to realize automatic resource exchange.
In the embodiment of the invention, entrusted exchange is set, so that automatic exchange can be realized, and unnecessary labor cost in the resource exchange process is reduced; the account balance is detected regularly and the resource exchange is carried out, so that the convenience and instantaneity of the resource exchange can be improved; the resource exchange is performed when the preset resource exchange relation is met, and the maximization of the exchange resource amount obtained by the resource exchange can be ensured, so that the income of a user and a platform in the resource exchange process is ensured.
Fig. 5 shows a flowchart corresponding to the splitting of the redemption relationship provided by the embodiment of the present invention, as shown in fig. 5, where the method further includes:
step S501: performing resource relation detection on the initial resource type and the target resource type corresponding to the user transaction request to obtain a relation detection result;
in a specific embodiment, in the process of resource exchange, because the resource exchange requirements of the users are diversified, the existing resource exchange relationship may not meet the resource exchange requirements of the users, that is, the initial resource type and the target resource type contained in the user transaction request cannot be exchanged, so that the resource exchange cannot be realized, and therefore, before the resource exchange is performed, the resource relationship detection needs to be performed based on the initial resource type and the target resource type, so as to determine whether a direct exchange relationship exists between the two.
Step S502: determining an intermediate resource type from a plurality of resource types under the condition that the relation detection result indicates that no direct resource exchange relation exists between the initial resource type and the target resource type;
in a specific embodiment, if there is no direct exchange relationship between the initial resource type and the target resource type, an intermediate resource type needs to be determined from multiple resource types, and the resource exchange between the initial resource type and the target resource type is implemented by exchanging the initial resource type into the intermediate resource type and exchanging the intermediate resource type into the target resource type.
Specifically, for the determination of the intermediate resource type, the optimal resource exchange relationship of the initial resource type conversion with the target resource type can be selected at the current transaction time, and the intermediate resource type can be exchanged into the resource type of the target resource type, and the optimal resource exchange relationship of the intermediate resource type exchanged into the target resource type can also be considered.
And under the condition that the direct resource exchange relationship exists, carrying out resource exchange according to the user transaction request.
Step S503: and determining the exchange resource quantity corresponding to the request resource quantity based on the intermediate resource type.
In a specific embodiment, according to a first resource exchange relationship, the request resource amount of the initial resource type is exchanged for the intermediate resource amount of the intermediate resource type, and according to a second resource exchange relationship, the intermediate resource amount of the intermediate resource type is exchanged for the exchange resource amount of the target resource type; the first resource exchange relationship is the optimal resource exchange relationship between the initial resource type and the intermediate resource type, and the second resource exchange relationship is the optimal resource exchange relationship between the intermediate resource type and the target resource type.
Specifically, after the internal exchange list is generated, the resource relation is detected, and redundant processing is not carried out on the internal exchange list with the direct resource exchange relation; and splitting the internal exchange list without the direct resource exchange relationship into an internal exchange list 1 and an internal exchange list 2, and carrying out subsequent processing.
In the embodiment of the invention, before the resource exchange, whether the resource exchange relationship exists between the initial resource type and the target resource type is detected, so that the success rate of the resource exchange can be improved, the resource exchange failure caused by the absence of the resource exchange relationship is avoided, and the efficiency of the resource exchange is improved.
The number of the user transaction requests is a plurality; fig. 6 shows a flowchart corresponding to resource batch exchange provided by an embodiment of the present invention, and as shown in fig. 6, after the exchanging resource amount corresponding to the requested resource amount is returned to the user based on the target exchange relationship, the method includes:
step S601: determining a transaction request to be integrated from the plurality of user transaction requests based on a preset integration rule; the number of the transaction requests to be integrated is at least two;
in an optional embodiment, in order to improve the efficiency of resource exchange, a plurality of user transaction requests meeting certain conditions can be integrated into a batch to perform resource exchange; the number of the user transaction requests can be one or a plurality of; for a plurality of user transaction requests, screening transaction requests to be integrated, which accord with a preset integration rule, from the plurality of user transaction requests according to the preset integration rule, wherein the number of the transaction requests to be integrated is at least two; the preset integration rule at least includes information such as a resource type, a transaction channel, a transaction type, a client type, and the like, and when the preset integration rules (i.e., the information such as the resource type, the transaction channel, the transaction type, the client type, and the like) corresponding to the plurality of preset transaction requests are the same, the preset integration rule can be determined as the transaction request to be integrated.
Step S602: and sending resource exchange information to the target transaction channel based on the transaction request to be integrated.
In a specific embodiment, the transaction requests to be integrated are integrated into a batch, and resource exchange information is uniformly sent to the corresponding target transaction channels so as to realize external exchange.
Specifically, after the internal exchange list is generated, the external exchange list can be directly generated according to the internal exchange list, or after the internal exchange is completed based on the internal exchange list, the external exchange list is generated, and after the external exchange list is generated, the resource exchange platform sends the external exchange list to the target transaction channel and realizes the flat plate.
Screening and integrating the plurality of external exchange sheets according to preset integration rules, packaging the external exchange sheets conforming to the preset integration rules into a batch, sending the batch to a target transaction channel, and carrying out unified external exchange, namely batch exchange; for the internal exchange ticket split in step S502 (i.e. after splitting one internal exchange ticket into a plurality of internal exchange tickets), the obtained first internal exchange ticket generates a first external exchange ticket, and the second internal exchange ticket generates a second external exchange ticket.
Further, for the management of batch exchanges, it may include exchange channels, channel exchanges, exchange amounts, exchange rate types, currency exchange information, merchant numbers, etc.; the abnormality existing in the batch exchange process can be divided into manual abnormality treatment and automatic abnormality treatment, and the abnormality problems can include: the bank has no available exchange rate, order repeated quotation and the like; and determining an abnormal problem according to the error identification code, further determining whether the problem needs to be automatically processed or manually processed, and performing timed retry for n times on the abnormal problem needing to be automatically processed, and switching to manual processing if the number of times is greater than n. Where n may be 3.
In the embodiment of the invention, a plurality of user transaction requests/a plurality of external exchange sheets which accord with the preset integration rule are integrated into one batch for uniform resource exchange, so that the step of carrying out multiple resource exchanges on the external exchange sheets of the same type can be simplified, and the convenience of the resource exchange process is improved; in addition, the integration of the external exchange list and the resource exchange can be automatically realized, unnecessary labor cost in the resource exchange process can be reduced, the automation of the resource exchange is realized, and the instantaneity and convenience of the resource exchange are improved.
Fig. 7 is a schematic flow chart of creating a reservation worksheet according to an embodiment of the present invention, where, as shown in fig. 7, the method further includes:
step S701: inquiring information of the transaction account based on the history account list to obtain a second inquiring result; the history account list is used for storing the transaction account information;
in a specific embodiment, since the resource exchange relationship (i.e., exchange rate) changes in real time with time, in order to ensure the benefits of users and platforms, the creation of a reservation exchange bill can be performed with reduced losses due to fluctuations in exchange rate; the reservation exchange list is used for locking the optimal resource exchange relation, and when a subsequent user initiates a user transaction request, the exchange can finish the resource exchange according to the resource exchange relation corresponding to the reservation exchange list corresponding to the transaction account; the reservation redemption ticket includes the reservation internal redemption ticket and the reservation external redemption ticket.
For creation of the reservation exchange list, the resource amount and the request initiation time are not required, but at least the transaction account is required, so that the reservation exchange list can only be created for the transaction account which has been subjected to resource exchange at the resource exchange platform, and the transaction account is required to be inquired before the reservation exchange list is created; the historical account list is used for storing transaction accounts corresponding to users who initiate user transaction requests.
Step S702: and under the condition that the second query result indicates that the transaction account exists in the historical account list, creating a reserved exchange list based on the transaction account, the initial resource type corresponding to the transaction account, the target resource type corresponding to the transaction account, and the resource exchange relation corresponding to the current transaction moment.
In a specific embodiment, according to the second query result, under the condition that the optimal resource exchange relationship exists, the transaction accounts in the historical account list can be created for reservation exchange list; for example, the transaction account corresponds to a user transaction request, the user transaction request comprises an initial resource type and a target resource type, and when the resource exchange relationship between the initial resource type and the target resource type is the optimal resource exchange relationship at the current transaction time, the creation of the reservation exchange list can be performed according to the transaction account, the initial resource type and the target resource type; the optimal resource redemption relationship in this process may be a resource redemption relationship that is greater than an average of the resource redemption relationships at the historical transaction time; in the specific application process, after the reservation exchange list is created, the resource exchange relationship changes in real time, so when the transaction account corresponding to the reservation exchange list sends a user transaction request, the resource exchange relationship at the moment of sending the user transaction request can be compared with the resource exchange list included in the reservation exchange list, and the resource exchange relationship capable of obtaining more target resources is selected for carrying out resource exchange, namely the created reservation exchange list is not used, but is used for locking the resource exchange relationship at the moment of creating the reservation exchange list.
In addition, in order to further maximize the profit in the resource exchange process, the profit can be increased by realizing the rolling hedging, for example, there is a currency J of 1400 units for which the resource exchange requirement of the customer a is 200 units, a currency J of 1450 units for which the resource exchange requirement of the customer B is 200 units, the resource exchange platform itself can perform the rolling hedging without external exchange, the 200 units of the currency I of the customer a is exchanged to the customer B, the 1400 units of the currency J of the customer B is exchanged to the customer a, and at this time, the profit of the resource exchange platform is 50 units of the currency J.
In the embodiment of the invention, for the user who carries out the resource exchange at the resource exchange platform, the exchange list is created in advance according to the user transaction request, so that the resource exchange relationship can be kept in a relatively good state, thereby reducing the loss caused by the fluctuation of exchange rate and improving the income in the resource exchange process.
Fig. 8 is a schematic diagram of a resource exchange platform provided by an embodiment of the present invention, where an international exchange system is the resource exchange platform according to the embodiment of the present invention, and customer disc exchange is performed to exchange resources between users and the platform, and resource disc exchange is performed to exchange resources between the platform and a transaction channel (i.e. a banking institution); as shown in fig. 8, the U.S. wallet exchanging system, the european wallet exchanging system, the chinese hong Kong wallet exchanging system and the chinese home banking exchanging system can all exchange with the international exchanging system after exchanging the guest discs so as to realize the flat plate of exchanging; for the resource plate exchange of the international exchange system, the transaction channels can comprise a slag bank, a douglas bank, a Dekur bank, a middle bank and the like; the resource exchange is carried out based on the resource exchange platform carrying the resource exchange management method, so that the limitation of time, region and currency on the resource exchange can be reduced, and the convenience and efficiency of the resource exchange are improved.
In addition, the resource exchange platform is also provided with an external exchange strategy management unit and a basic configuration unit; the external exchange strategy management unit is used for customizing an external exchange strategy so as to realize automatic spot leveling based on an external exchange list; the basic configuration unit is used for realizing basic configuration in the resource exchange process, such as channel capacity, splitting rules and the like, wherein the channel capacity is used for limiting the resource exchange relation corresponding to the transaction channel and the channel delivery timeliness, and is used for realizing holiday management, user sensitivity management and the like; the splitting rule corresponds to the intermediate resource type determining rule of step S502 in the above embodiment, that is, the internal redemption ticket splitting rule.
The embodiment of the invention also provides a resource exchange management device, as shown in fig. 9, which comprises:
a request receiving module 910, configured to receive a user transaction request of a target user; the user transaction request comprises a request resource amount, an initial resource type and a target resource type; the requested resource quantity characterizes the resource quantity of the initial resource which is converted;
a channel determination module 920 configured to determine a target transaction channel from a plurality of transaction channels based on the initial resource type and the target resource type; the target transaction channel corresponds to a target exchange relationship which maximizes the exchange resource quantity; the target redemption relationship characterizes the initial resource types and the resource redemption relationships between the target resource types;
A resource determining module 930, configured to determine, based on the target redemption relationship, a redemption resource amount corresponding to the requested resource amount;
and a resource return module 940, configured to return the target resource of the converted resource amount to the target user.
In other embodiments, the channel determination module 920 further includes:
the resource exchange detection module is used for carrying out resource exchange detection on the plurality of transaction channels based on the initial resource type and the target resource type to obtain exchange detection results;
the exchange relation comparison module is used for carrying out exchange relation comparison on the resource exchange relation corresponding to the plurality of candidate transaction channels under the condition that the exchange detection result indicates that the resource exchange relation corresponding to the plurality of candidate transaction channels exists in the plurality of transaction channels, so as to obtain a relation comparison result;
the target relationship determining module is used for determining a target exchange relationship from the resource exchange relationships corresponding to the candidate transaction channels based on the relationship comparison result;
and the target channel determining module is used for determining the transaction channel corresponding to the target exchange relationship as the target transaction channel.
In other embodiments, the resource determination module 930 further includes:
the exchange limit detection module is used for carrying out exchange limit detection on the user transaction request to obtain a limit detection result;
the first resource amount determining module is used for determining an exchange resource amount corresponding to the request resource amount based on the target exchange relationship under the condition that the limit detection result indicates that the transaction account, the request initiation time, the initial resource type and the target resource type meet the exchange condition; the redemption conditions include transaction account limitations, resource type limitations, and transaction time limitations.
In other embodiments, the apparatus further comprises:
the first query module is used for querying the entrusted information based on the transaction account to obtain a first query result;
the resource amount inquiry module is used for accessing the residual request resource amount of the transaction account based on a preset inquiry period under the condition that the first inquiry result indicates that the transaction account exists in the entrusted exchange list; the entrusted exchange list is used for recording a transaction account with an entrusted exchange request; the resource type corresponding to the residual request resource amount is a first resource type;
A second resource amount determining module, configured to determine, based on a resource exchange relationship between the first resource type and the second resource type, a remaining exchange resource amount corresponding to the remaining request resource amount when the remaining request resource amount is greater than or equal to a preset remaining resource amount and a resource exchange relationship between the first resource type and the second resource type satisfies the preset resource exchange relationship; and the resource type corresponding to the residual exchange resource amount is the second resource type.
In other embodiments, the apparatus further comprises:
the resource relation detection module is used for carrying out resource relation detection on the initial resource type and the target resource type corresponding to the user transaction request to obtain a relation detection result;
an intermediate resource determining module, configured to determine an intermediate resource type from multiple resource types when the relationship detection result indicates that a direct resource exchange relationship does not exist between the initial resource type and the target resource type;
and the third resource amount determining module is used for determining the exchange resource amount corresponding to the request resource amount based on the intermediate resource type.
In other embodiments, the apparatus further comprises:
the request integrating module is used for determining a transaction request to be integrated from the plurality of user transaction requests based on a preset integrating rule; the number of the transaction requests to be integrated is at least two;
and the information sending module is used for sending the resource exchange information to the target transaction channel based on the transaction request to be integrated.
In other embodiments, the apparatus further comprises:
the second query module is used for carrying out information query on the transaction account based on the history account list to obtain a second query result; the history account list is used for storing the transaction account information;
and the reservation work order creation module is used for creating a reservation exchange order based on the transaction account, the initial resource type corresponding to the transaction account, the target resource type corresponding to the transaction account, and the resource exchange relation corresponding to the current transaction moment when the second query result indicates that the transaction account exists in the historical account list.
The device and method embodiments in the device embodiments are based on the same inventive concept, and are used for implementing the resource exchange management method.
The embodiment of the invention also provides electronic equipment, which comprises: the system comprises a processor and a memory, wherein at least one instruction, at least one section of program, a code set or an instruction set is stored in the memory, and the at least one instruction, the at least one section of program, the code set or the instruction set is loaded and executed by the processor to realize the resource exchange management method according to any one of the method embodiments.
Embodiments of the present invention also provide a storage medium that may be disposed in a server to store at least one instruction, at least one program, a set of codes, or a set of instructions for implementing the resource redemption management method as described in any of the method embodiments, where the at least one instruction, the at least one program, the set of codes, or the set of instructions are loaded and executed by the processor to implement the resource redemption management method as described in any of the method embodiments.
Alternatively, in an embodiment of the present invention, the storage medium may be located on at least one network server of a plurality of network servers of a computer network. Alternatively, in an embodiment of the present invention, the storage medium may include, but is not limited to: a U-disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a removable hard disk, a magnetic disk, or an optical disk, or other various media capable of storing program codes.
According to the embodiment provided by the invention, after the user transaction request of the target user is received, the target transaction channel capable of meeting the resource exchange is determined from a plurality of transaction channels according to the initial resource type and the target resource type in the user transaction request, so that the convenience and instantaneity of the resource exchange can be improved; the target transaction channel can provide a resource exchange relationship which maximizes the exchange resource quantity, and the resource exchange of the request resource quantity is realized based on the resource exchange relationship corresponding to the target transaction channel, so that the target resource corresponding to the exchange resource quantity is obtained, and the income of the resource exchange can be improved.
It should be noted that: the foregoing description of various embodiments of the present disclosure has been presented for purposes of illustration and description, and is not intended to be exhaustive or limited to the various embodiments disclosed. Many modifications and variations will be apparent to those of ordinary skill in the art without departing from the scope and spirit of the various embodiments described. The terminology used herein was chosen in order to best explain the principles of the embodiments, the practical application, or the technical improvement in the marketplace, or to enable others of ordinary skill in the art to understand the embodiments disclosed herein.
Claims (10)
1. A resource redemption management method, comprising:
receiving a user transaction request of a target user; the user transaction request comprises a request resource amount, an initial resource type and a target resource type; the requested resource quantity characterizes the resource quantity of the initial resource which is converted;
determining a target transaction channel from a plurality of transaction channels based on the initial resource type and the target resource type; the target transaction channel corresponds to a target exchange relationship which maximizes the exchange resource quantity; the target redemption relationship characterizes the initial resource types and the resource redemption relationships between the target resource types;
determining a conversion resource amount corresponding to the request resource amount based on the target conversion relationship;
and returning the target resources of the converted resource quantity to the target user.
2. The resource redemption management method of claim 1, wherein the determining a target transaction channel from a plurality of transaction channels based on the initial resource type and the target resource type includes:
performing resource exchange detection on the transaction channels based on the initial resource type and the target resource type to obtain exchange detection results;
When the exchange detection result indicates that the resource exchange relationship exists among the plurality of transaction channels, carrying out exchange relationship comparison on the resource exchange relationship corresponding to the plurality of candidate transaction channels to obtain a relationship comparison result;
determining a target exchange relationship from the resource exchange relationships corresponding to the plurality of candidate transaction channels based on the relationship comparison result;
and determining the transaction channel corresponding to the target exchange relationship as the target transaction channel.
3. The resource redemption management method of claim 1, wherein the user transaction request further includes a transaction account and a request initiation time;
the determining, based on the target redemption relationship, a redemption resource amount corresponding to the requested resource amount includes:
performing exchange limit detection on the user transaction request to obtain a limit detection result;
determining a conversion resource amount corresponding to the request resource amount based on the target conversion relation under the condition that the limit detection result indicates that the transaction account, the request initiation time, the initial resource type and the target resource type meet the conversion condition; the redemption conditions include transaction account limitations, resource type limitations, and transaction time limitations.
4. The resource redemption management method of claim 1, wherein the user transaction request further includes a transaction account;
the method further comprises the steps of:
the method comprises the steps of inquiring entrusted information based on the transaction account to obtain a first inquiring result;
accessing the remaining requested resource amount of the transaction account based on a preset query period under the condition that the first query result indicates that the transaction account exists in the entrusted redemption list; the entrusted exchange list is used for recording a transaction account with an entrusted exchange request; the resource type corresponding to the residual request resource amount is a first resource type;
when the residual request resource amount is larger than or equal to a preset residual resource amount and the resource exchange relationship between the first resource type and the second resource type meets the preset resource exchange relationship, determining the residual exchange resource amount corresponding to the residual request resource amount based on the resource exchange relationship between the first resource type and the second resource type; and the resource type corresponding to the residual exchange resource amount is the second resource type.
5. The resource redemption management method of claim 1, wherein the method further comprises:
Performing resource relation detection on the initial resource type and the target resource type corresponding to the user transaction request to obtain a relation detection result;
determining an intermediate resource type from a plurality of resource types under the condition that the relation detection result indicates that no direct resource exchange relation exists between the initial resource type and the target resource type;
and determining the exchange resource quantity corresponding to the request resource quantity based on the intermediate resource type.
6. The resource redemption management method of claim 1, wherein the number of user transaction requests is a plurality;
after the exchange resource quantity corresponding to the request resource quantity is returned to the user based on the target exchange relation, the method comprises the following steps:
determining a transaction request to be integrated from the plurality of user transaction requests based on a preset integration rule; the number of the transaction requests to be integrated is at least two;
and sending resource exchange information to the target transaction channel based on the transaction request to be integrated.
7. The resource redemption management method of claim 1, wherein the method further comprises:
Inquiring information of the transaction account based on the history account list to obtain a second inquiring result; the history account list is used for storing the transaction account information;
and under the condition that the second query result indicates that the transaction account exists in the historical account list, creating a reserved exchange list based on the transaction account, the initial resource type corresponding to the transaction account, the target resource type corresponding to the transaction account, and the resource exchange relation corresponding to the current transaction moment.
8. A resource redemption management device, the device comprising:
the request receiving module is used for receiving a user transaction request of a target user; the user transaction request comprises a request resource amount, an initial resource type and a target resource type; the requested resource quantity characterizes the resource quantity of the initial resource which is converted;
a channel determination module configured to determine a target transaction channel from a plurality of transaction channels based on the initial resource type and the target resource type; the target transaction channel corresponds to a target exchange relationship which maximizes the exchange resource quantity; the target redemption relationship characterizes the initial resource types and the resource redemption relationships between the target resource types;
The resource determining module is used for determining the exchange resource quantity corresponding to the request resource quantity based on the target exchange relation;
and the resource return module is used for returning the target resource of the converted resource quantity to the target user.
9. An electronic device comprising a processor and a memory having stored therein at least one instruction and at least one program, the at least one instruction and the at least one program loaded and executed by the processor to implement the resource redemption management method of any of claims 1-7.
10. A computer storage medium having at least one instruction and at least one program stored therein, the at least one instruction and the at least one program loaded and executed by a processor to implement the resource redemption management method of any of claims 1-7.
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