CN117952746A

CN117952746A - Risk control method and device for resource exchange, computer equipment and storage medium

Info

Publication number: CN117952746A
Application number: CN202211265471.6A
Authority: CN
Inventors: 邹文; 黄阳阳
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2022-10-17
Filing date: 2022-10-17
Publication date: 2024-04-30

Abstract

The application relates to a risk control method, a risk control device, a risk control computer device, a risk control storage medium and a risk control computer program product for resource exchange. The method can be applied to the Internet, big data and application scenes of resource exchange of intelligent driving equipment, and comprises the following steps: determining a resource price ratio for representing the exchange between different resources in the target period; determining the estimated conversion quantity of the resources of the target object in the target period and under the resource price ratio; performing resource pre-balancing processing according to the resource pre-estimated conversion amount through a risk management system; when the appointed time in the target period is reached, acquiring the actual exchange amount of the resources of the target object in the target period under the specific price of the resources; and inputting the estimated conversion amount of the resources and the actual conversion amount of the resources into a risk management system, so that the risk management system performs resource balance processing according to the estimated conversion amount of the resources and the actual conversion amount of the resources. By adopting the method, the resource exchange rate can be improved, and the resource exchange risk is avoided.

Description

Risk control method and device for resource exchange, computer equipment and storage medium

Technical Field

The present application relates to the field of internet technologies, and in particular, to a method and apparatus for controlling risk of resource exchange, a computer device, and a storage medium.

Background

In some application scenarios, the third party platform reports the resource price ratio exchanged between different resources to the target object, so that the target object exchanges the resource held by the target object into other kinds of resources according to the resource price ratio, or the target object provides the resource price ratio to the user object, so that the user object can utilize the resource price ratio to exchange corresponding resources to process the service when executing the related service.

In order to improve the resource exchange rate, some third party platforms generally provide a long-acting resource price to a target object, i.e. provide a resource price which is stable and unchanged in a period of time for the target object, for example, the third party platforms predict the fluctuation condition of the resource price, determine a risk premium according to the fluctuation condition, and then calculate a long-acting resource price according to the historical resource price and the risk premium for the target object. However, the fluctuation condition of the resource price ratio is generally difficult to predict, so the resource price ratio calculated according to the historical resource price ratio and the risk overflow price may deviate greatly from the actual situation, which not only affects the resource exchange rate, but also may bring about the resource exchange risk.

Disclosure of Invention

In view of the foregoing, it is necessary to provide a method, an apparatus, a computer device, and a storage medium for controlling risk of resource exchange, which can improve the resource exchange rate and avoid the occurrence of resource exchange risk.

In a first aspect, the present application provides a method for risk control of resource redemption. The method comprises the following steps:

determining a resource price ratio for representing the exchange between different resources in the target period;

Determining the estimated conversion amount of the resources of the target object in the target period and under the resource price ratio;

Performing resource pre-balancing processing according to the resource pre-estimated conversion amount through a risk management system;

When the appointed time in the target period is reached, acquiring the actual exchange amount of the resources of the target object in the target period under the specific price of the resources;

and inputting the estimated conversion amount of the resources and the actual conversion amount of the resources into the risk management system so that the risk management system performs resource balance processing according to the estimated conversion amount of the resources and the actual conversion amount of the resources.

In a second aspect, the application further provides a risk control device for resource exchange. The device comprises:

The first determining module is used for determining resource price ratios used for representing the exchange between different resources in the target period;

the second determining module is used for determining the estimated conversion amount of the resources of the target object in the target period and under the resource price ratio;

the first processing module is used for carrying out resource pre-balancing processing according to the resource pre-estimated conversion amount through the risk management system;

The acquisition module is used for acquiring the actual conversion quantity of the resources of the target object in the target time period under the specific price of the resources when the designated time in the target time period is reached;

And the second processing module is used for inputting the estimated conversion amount of the resources and the actual conversion amount of the resources into the risk management system so that the risk management system performs resource balance processing according to the estimated conversion amount of the resources and the actual conversion amount of the resources.

In some embodiments, the second determining module is further configured to obtain a resource conversion amount obtained by performing resource conversion on the target object in a target window, so as to obtain a first resource conversion amount; the starting point of the target window is the current time; moving the target window along the direction of the current time pointing to the historical time according to the moving step length; after the target window is moved according to the moving step length each time, obtaining a resource exchange amount obtained by carrying out resource exchange in the target window after each movement of the target object, and obtaining second resource exchange amounts; and determining the conversion amount obtained by carrying out resource conversion on the target object in the target period under the resource price ratio based on the first resource conversion amount and each second resource conversion amount to obtain the resource estimated conversion amount.

In some embodiments, the second determining module is further configured to use a mean value between the first resource conversion amount and each of the second resource conversion amounts as a predicted conversion amount of the resource of the target object in the target period and under the resource price ratio; or carrying out weighted summation on the first resource conversion amount and each second resource conversion amount, and taking the sum value obtained by weighted summation as the estimated conversion amount of the resources of the target object in the target period under the resource price.

In some embodiments, the second determining module is further configured to determine a window duration of the target window; determining a moving step length according to the window duration and a preset coefficient; the moving step length is smaller than or equal to the window duration; and moving the target window according to the moving step length and the direction of the current time to the historical time.

In some of these embodiments, the apparatus further comprises:

the aggregation module is used for carrying out aggregation processing on the at least two objects according to the provided service types when the target object is the at least two objects to obtain an object cluster; wherein, the service types provided by the objects in the same object cluster are the same;

The second determining module is further configured to obtain a resource conversion amount obtained by performing resource conversion on the object cluster in the target window; acquiring the resource exchange amount obtained by carrying out resource exchange on the object cluster in the target window after each movement; and determining the exchange amount obtained by carrying out resource exchange on the object cluster in the target period under the resource price ratio based on the first resource exchange amount and each second resource exchange amount.

In some of these embodiments, the apparatus further comprises:

The first determining module is further used for determining the resource price change quantity among different resources in a preset historical period; determining the resource price ratio of the target object for exchanging among different resources in the target period according to the resource price ratio variation;

and the sending module is used for sending the resource price ratio to the target object through a resource quotation system.

In some embodiments, the first determining module is further configured to aggregate the at least two objects according to the provided service type to obtain an object cluster when the target object is the at least two objects; wherein, the service types provided by the objects in the same object cluster are the same; and determining the resource price ratio of the object cluster for exchanging among different resources in the target period according to the resource price ratio variation.

In some embodiments, the first determining module is further configured to determine, when determining the estimated conversion amount of the resource, an estimated accuracy of the estimated conversion amount of the resource; when the resource price ratio of the next period needs to be determined, determining a risk overflow price based on the estimated accuracy; the next period is a period of time after the target period, and the time length of the next period is equal to the time length of the target period; and determining the resource price ratio of the next period based on the risk overflow price and the historical resource price ratio.

In some of these embodiments, the specified time includes each of the aliquots in the target period, or an end of the target period; the estimated conversion amount of the resources comprises estimated conversion amount of the resources from the starting point of the target period to the adjacent equal point or estimated conversion amount of the resources from the corresponding equal point in the target period to the adjacent equal point or the end point; the actual resource exchange amount comprises the actual exchange amount of the resource exchange from the starting point to the adjacent equal point or the actual exchange amount of the resource exchange from the corresponding equal point to the adjacent equal point or the end point in the target period.

In some embodiments, the second processing module is further configured to determine a difference between the estimated redemption amount for the resource and the actual redemption amount for the resource; determining a resource balance direction according to the magnitude relation between the estimated conversion amount of the resource and the actual conversion amount of the resource; and inputting the difference value and the resource balancing direction into the risk management system so that the risk management system performs resource balancing processing according to the difference value and the resource balancing direction.

In some embodiments, the actual redemption quantity of resources is the quantity of the target object redeeming the first resource for the second resource;

The second processing module is further configured to exchange, when the actual exchange amount of the resource is greater than the estimated exchange amount of the resource, a first resource with the resource amount equal to the difference value into the second resource according to the resource balancing direction; and when the actual conversion amount of the resources is smaller than the estimated conversion amount of the resources, converting the second resources with the resource amount equal to the difference value into the first resources according to the resource balance direction.

In a third aspect, the present application also provides a computer device. The computer device comprises a memory storing a computer program and a processor which when executing the computer program performs the steps of:

In a fourth aspect, the present application also provides a computer-readable storage medium. The computer readable storage medium having stored thereon a computer program which when executed by a processor performs the steps of:

In a fifth aspect, the present application also provides a computer program product. The computer program product comprises a computer program which, when executed by a processor, implements the steps of:

According to the risk control method, the device, the computer equipment, the storage medium and the computer program product for resource exchange, firstly, the resource price ratio for representing the exchange between different resources in the target period is determined, the estimated exchange amount of the resources of the target object in the target period is determined, then the resource pre-balancing processing is carried out through the risk management system according to the estimated exchange amount of the resources, the resource balancing processing is not required to be carried out after the target object finishes the resource exchange in the target period, but the risk management system can be utilized to carry out the resource balancing processing when the estimated exchange amount of the resources of the target object is estimated, so that the problem of resource risk caused by the fluctuation of the real-time price ratio of the resources in the target period is effectively avoided; in addition, the resource risk does not exist, so that the resource price provided for the target object is low, and the resource exchange rate can be effectively improved. In addition, when the appointed time in the target period is reached, the actual conversion amount of the resources of the target object in the target period under the resource price comparison is obtained, and then the estimated conversion amount of the resources and the actual conversion amount of the resources are input into the risk management system, so that the risk management system performs resource balance processing according to the estimated conversion amount of the resources and the actual conversion amount of the resources.

Drawings

FIG. 1 is an application environment diagram of a risk control method for resource redemption in one embodiment;

FIG. 2 is a flow diagram of a method of risk control for resource redemption in one embodiment;

FIG. 3 is a flow diagram of a target period and a target period after movement in one embodiment;

FIG. 4 is an application scenario diagram of a risk control method for resource redemption in one embodiment;

FIG. 5 is a schematic flow chart of performing resource redemption prediction on a target object in one embodiment;

FIG. 6 is a flow diagram of a target window and a target window after movement in one embodiment;

FIG. 7 is a schematic flow diagram of performing resource redemption prediction and pre-balancing according to service types in one embodiment;

FIG. 8 is a schematic diagram illustrating the operation of a prediction module in one embodiment;

FIG. 9 is an application scenario diagram of a risk control method for resource redemption in another embodiment;

FIG. 10 is a block diagram of a risk control device for resource redemption in one embodiment;

FIG. 11 is a block diagram of a risk control device for resource redemption in another embodiment;

FIG. 12 is an internal block diagram of a computer device in one embodiment;

Fig. 13 is an internal structural view of a computer device in another embodiment.

Detailed Description

The present application will be described in further detail with reference to the drawings and examples, in order to make the objects, technical solutions and advantages of the present application more apparent. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the application.

The risk control method for resource exchange provided by the embodiment of the application can be applied to an application environment shown in fig. 1. Wherein the terminal 102 communicates with the server 104 via a network. The data storage system may store data that the server 104 needs to process. The data storage system may be integrated on the server 104 or may be located on a cloud or other network server. Both the terminal 102 and the server 104 may be equipped with a risk management system, and thus the risk control method may be applied to the terminal 102 or the server 104.

The terminal 102 may be a smart phone, a tablet computer, a notebook computer, a desktop computer, a smart speaker, a smart watch, an internet of things device, and a portable wearable device, and the internet of things device may be a smart speaker, a smart television, a smart air conditioner, and a smart vehicle device. The portable wearable device may be a smart watch, smart bracelet, headset, or the like.

The server 104 may be a separate physical server or may be a service node in a blockchain system, where a Peer-To-Peer (P2P) network is formed between service nodes, and the P2P protocol is an application layer protocol that runs on top of a transmission control protocol (TCP, transmission Control Protocol) protocol. The server 104 may be a server cluster formed by a plurality of physical servers, and may be a cloud server providing cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communication, middleware services, domain name services, security services, content delivery networks (Content Delivery Network, CDN), and basic cloud computing services such as big data and artificial intelligence platforms.

The terminal 102 and the server 104 may be connected by a communication connection manner such as bluetooth, USB (Universal Serial Bus ) or a network, which is not limited in this disclosure.

In one embodiment, as shown in fig. 2, there is provided a risk control method for resource exchange, which is applicable to the terminal or the server in fig. 1, and the method is applied to the terminal in fig. 1 for illustration, and includes the following steps:

S202, determining resource price ratios for representing the exchange between different resources in the target period.

Where resource price ratios may be a measure of the exchange ratio between different resources, i.e., may be used to represent the value of one resource over another. For example, the resource price ratio may be the exchange rate between different currencies, the exchange rate between different products, etc. It should be noted that the resource price ratio is a long-acting resource price ratio reported to the target object by the third party platform, that is, the resource price ratio will not change with time in the target period. The target object may be a merchant (e.g., an e-commerce or service provider) signed by the third party platform after authentication, and may provide a resource or service interaction for the common user object. And the third party platform may be a third party object that provides a redemption of resources for the target object, such as a bank, institution, or other object that provides a redemption of resources.

The resource may be a valuable product or exchange medium. While different resources may refer to different types of valuable first and second resources, which may be different types of products or different exchange mediums. The product may be a virtual product or a real world existing product and the exchange medium may be currency, such as currency of different areas. The values may or may not be equal between different types of resources, and thus the corresponding resource prices may be equal to one, greater than one, or less than one.

The target period may be a period with a fixed duration set according to the business condition of the third party platform itself, or a period with a fixed duration set according to the actual requirement of the target object. It is to be noted that the target period may be a period having a fixed duration starting from the current time, or a future period having a fixed duration.

Exchange between different resources may refer to exchanging one type of resource for another type of resource, such as using held products to trade other types of products, or using held currency to trade currency in other areas.

The redemption may include at least one of redemption and redemption. Wherein, in some application scenarios, redemption may be referred to as purchase or buy, and redemption may be referred to as sell. For example, the target object holds the first resource but does not hold the second resource, at which time the second resource may be redeemed with the first resource, which may be understood as selling the first resource and buying the second resource.

In one embodiment, the terminal determines a resource price ratio of the target object for representing the exchange between different resources in the target period according to the historical resource price ratio variation. The resource price ratio is fluctuated up and down along with time change, so the resource price ratio change amount can be the amount of price ratio change of different resources in a certain historical period.

Specifically, the terminal determines the resource price ratio variation among different resources in a preset history period; and determining the resource price ratio of the target object for exchanging among different resources in the target period according to the resource price ratio variation. In addition, after determining the resource price ratio, the terminal can also respond to the price inquiry request initiated by the target object and send the resource price ratio to the target object through the resource quotation system. Wherein the resource quotation system may also be referred to as a quotation module.

For example, the terminal may first determine a resource pair to be redeemed, where the resource pair may be a first resource and a second resource of different types, and then determine, according to historical resource price ratio variation amounts of the first resource and the second resource, a resource price ratio of the target object for redeeming the first resource for the second resource in the target period. Wherein the first resource may be product a and the second resource may be product b; or the first resource may be the currency of area a and the second resource may be the currency of area B.

The target object may be a single object or may be multiple objects (e.g., two or more objects). When the target object is a single object, the terminal can directly determine the resource price ratio for exchanging between different resources of the target object in the target period according to the resource price ratio variation. When the target object is at least two objects, the terminal can aggregate the at least two objects according to the provided service type to obtain an object cluster; and determining the resource price ratio of the target cluster for exchanging among different resources in the target period according to the resource price ratio variation.

The service types provided by the objects in the same object cluster are the same, for example, the objects in the same object cluster are all cross-border electronic commerce providers or are all service providers for providing cross-border information service. In addition, the cross-border electronic commerce can be further subdivided, such as the cross-border electronic commerce of intelligent electronic products, the cross-border electronic commerce of jewelry, the cross-border electronic commerce of clothes and the like. The aggregation process may also be a clustering process, i.e. aggregating objects providing the same service type together, resulting in an object cluster.

In the process of aggregation treatment, the terminal can firstly determine the service types corresponding to the services provided by the objects, and then aggregate the objects which provide the same service types together to obtain an object cluster; or the terminal can also vectorize service information (such as service names or other keywords of the service) of the service provided by each object, and then cluster each object according to the vectorized word vector to obtain an object cluster.

The step of performing clustering may specifically include: the terminal calculates the distance between the vectorized word vectors, such as Euclidean distance; and when the calculated distance is smaller than the preset distance, representing that the services provided by the two corresponding objects are the same or similar, and classifying the objects corresponding to the word vectors smaller than the preset distance into a group so as to obtain an object cluster.

S204, determining the estimated conversion amount of the resources of the target object in the target period and under the resource price ratio.

The estimated conversion amount of the resource can be the amount of the estimated target object for carrying out the resource conversion with the specific price of the resource in the whole target period, or the amount of the estimated target object for carrying out the resource conversion with the specific price of the resource in the specific period of the target period. It should be noted that the estimated conversion amount of the resource may be an estimated conversion amount of the target object itself and the resource converted by its clients when the service is processed, and the converted amount of the resource is regarded as the estimated conversion amount of the resource of the target object, whether the target object itself or the clients of the target object. For example, assuming that the target object is a cross-border e-commerce vendor selling the electronic product produced in the area B, the user in the area a needs to settle the account in the currency of the area B, and when the user in the area a orders to purchase the electronic product of the cross-border e-commerce vendor, the user needs to exchange the currency held by the user into the currency of the area B by using the exchange rate provided by the cross-border e-commerce vendor, and then pay the electronic product in the currency of the area B. Since the user of region a is the customer of the cross-border e-commerce, the total amount of its redemption resources can be regarded as the amount of the cross-border e-commerce redemption resources. Therefore, in the present application, the total amount of the resource exchange performed by the target object itself and its clients when performing the service processing (including the estimated exchange amount and the actual exchange amount) is regarded as the target object resource exchange amount, and for convenience of description, the estimated exchange amount and the actual exchange amount of the resource performed by the target object are collectively described as the target object resource exchange amount regardless of the estimated exchange amount of the resource or the actual exchange amount of the resource, which are the amounts of the resource exchanged by the client.

Specifically, the estimated conversion amount of the resource may include an estimated conversion amount of the resource converted from the start point to the end point of the target period; in addition, the method can further comprise the estimated conversion amount of the resource conversion from the starting point of the target period to the adjacent equal point or the estimated conversion amount of the resource conversion from the corresponding equal point to the adjacent equal point or the end point of the target period. Thus, the specific period may be a period from the current time in the target period to an adjacent one of the equal points, or a period from one of the equal points in the target period to an adjacent equal point.

As shown in fig. 3, let t0 be the current time, t1 to t5 be the future time, and the time period t0 to t4 in the (a) of fig. 3 may be the target period, which is the target period starting from the current time; the corresponding specific time period can be a time period from t0 to t1, a time period from t1 to t2 and so on; further, the period t1 to t5 in the (b) diagram of fig. 3 may be a target period, which is a target period starting from a future t1 time; the specific time period may be a time period from t1 to t2 or a time period from t2 to t 3.

In one embodiment, the terminal may determine the estimated conversion amount of the target object for the whole target period and under the resource price ratio, or determine the estimated conversion amount of the target object for the specific period of the target period and under the resource price ratio.

For example, the terminal may determine the estimated conversion amount of the target object in the period of t0 to t4 and under the specific price of the resource, and then execute S206 to S210; or the terminal can firstly determine the estimated conversion amount of the resources of the target object in the time period of t 0-t 1 and under the specific price of the resources, and then execute S206-S210; after the above process is completed, the estimated conversion amount of the target object is determined within the time period of t 1-t 2 and under the resource price ratio, and then S206-S210 are continuously executed, and so on.

In the process of determining the estimated conversion amount of the resources, the terminal can acquire the historical conversion amount of the resources of the target object, and then determine the estimated conversion amount of the resources of the target object in the target period and under the specific price of the resources according to the historical conversion amount of the resources.

S206, carrying out resource pre-balancing processing according to the resource pre-estimated conversion amount through the risk management system.

The risk management system may be configured to balance redemption resources, or balance resources generated by redemption and redemption of the target object. In some practical application scenarios, the risk management system may also be referred to as an exposure management system.

The resource pre-balancing process may be that the target object performs a resource balancing process by the risk management system in advance before performing a resource exchange by using the resource price. The resource balancing processing can be resource flat processing or resource flat bin processing, namely corresponding resources are purchased or sold according to the estimated exchange amount of the resources.

In one embodiment, the terminal may input the pre-estimated conversion amount of the resource and the pre-balancing direction of the resource to the risk management system, so that the risk management system is utilized to perform the pre-balancing process of the resource according to the pre-balancing direction of the resource and the pre-estimated conversion amount of the resource.

The resource pre-balancing direction may represent a resource exchange direction when different resources are exchanged, and is used for indicating that the terminal purchases or sells resources when the resource pre-balancing process is performed. For example, if the target object uses the held product a to exchange for the other type of product b, the resource pre-balancing direction is to purchase the product b with the product a, and the third party platform can purchase the other type of product b according to the resource pre-estimated exchange amount of the target object; for another example, if the target object uses the currency of the currency exchange area B, the resource pre-balancing direction is the currency of the currency purchase area B of the area a, and the third party platform may estimate the currency of the exchange amount purchase area B according to the resource of the target object. It is to be noted that the target object is an object belonging to the area a.

For example, if the third party platform predicts that the target object may purchase 1000 of the currency in the area B, i.e., predicts 1000 of the exchange, the target object may inject the predicted 1000 of the exchange and the equilibrium direction of the currency (i.e., the currency in the area B for the area a) into the open management system, and then purchase 1000 of the currency in the area B using the open management system. In addition, the method of the resource pre-balancing process can be referred to for other types of resources.

And S208, when the designated time in the target period is reached, acquiring the actual exchange amount of the resources of the target object in the target period under the specific price of the resources.

Wherein the specified time may be an equal point within the target period, or an end point of the target period. For example, the target period is divided into four time periods, and then there are three equal points within the target period, see fig. 3, so the specified time may be one of the three equal points (e.g., one of t1, t2, and t 3). When the target period is divided into two segments, the equal division point is the midpoint of the target period, that is, the designated time is the midpoint of the target period, or may be the end point of the target period.

The actual redemption quantity of the resource may include the actual redemption quantity of the resource redeemed from the beginning of the target period to within the ending point; in addition, the actual conversion amount of the resource can also include the actual conversion amount of the resource from the starting point to the adjacent equal point or the actual conversion amount of the resource from the corresponding equal point to the adjacent equal point or the end point in the target period.

In one embodiment, when the specified time in the target period is reached, the device (such as a computer) of the target object may send the actual exchange amount of the resource of the target object in the target period and under the resource price ratio to the terminal, so that the terminal obtains the actual exchange amount of the resource of the target object in the target period and under the resource price ratio.

S210, inputting the estimated conversion amount of the resources and the actual conversion amount of the resources into a risk management system, so that the risk management system performs resource balance processing according to the estimated conversion amount of the resources and the actual conversion amount of the resources.

In one embodiment, S210 may specifically include: the terminal determines a difference value between the estimated conversion amount of the resource and the actual conversion amount of the resource; determining a resource balance direction according to the size relation between the estimated conversion amount of the resource and the actual conversion amount of the resource; and inputting the difference value and the resource balancing direction into the risk management system so that the risk management system performs resource balancing processing according to the difference value and the resource balancing direction.

The resource balancing direction is used for indicating the terminal to purchase or sell the resources when the terminal performs the resource balancing process. In some application scenarios, the resource balancing direction may also include a transaction direction.

The difference may be a value greater than zero, i.e., when the estimated conversion amount of the resource is greater than the actual conversion amount of the resource, then the difference = the estimated conversion amount of the resource-the actual conversion amount of the resource; when the estimated conversion amount of the resource is smaller than the actual conversion amount of the resource, the difference value is = |the estimated conversion amount of the resource-the actual conversion amount of the resource.

The terminal firstly determines the resource pair to be exchanged, namely determines the first exchanged resource and the second exchanged resource, and then determines the resource balance direction according to the size relation between the estimated exchange amount of the resources and the actual exchange amount of the resources. When the estimated conversion amount of the resources is larger than the actual conversion amount of the resources, the amount of the second resources added through the risk management system is larger than the actual conversion amount of the target object during the resource pre-balancing treatment, and redundant second resources (namely, the second resources added in a plurality of times) are required to be added at the moment, so that the resource balancing direction is to convert the first resources by the second resources; when the estimated conversion amount of the resources is smaller than the actual conversion amount of the resources, the fact that the amount of the second resources added through the risk management system is smaller than the actual conversion amount of the target object when the resource pre-balancing treatment is carried out indicates that the second resources added during the resource pre-balancing treatment do not meet the actual requirements, and the second resources need to be continuously added at the moment, so that the resource balancing direction is to convert the second resources by the first resources; when the estimated conversion amount of the resources is equal to the actual conversion amount of the resources, the amount of the second resources added by the risk management system is equal to the actual conversion amount of the target object when the resource pre-balancing processing is performed, and the second resources are not required to be added or added at the moment, so that the resource balancing direction is null.

In one embodiment, the actual conversion amount of the resource is the amount of the target object converting the first resource into the second resource, and when the actual conversion amount of the resource is larger than the estimated conversion amount of the resource, converting the first resource with the resource amount equal to the difference value into the second resource according to the resource balance direction; and when the actual conversion amount of the resources is smaller than the estimated conversion amount of the resources, converting the second resources with the resource amount equal to the difference value into the first resources according to the resource balance direction.

For a more visual understanding of the solution of the present application, it can be described with reference to the risk control of exchange of money in different areas, as shown in fig. 4, and the specific contents are as follows:

The third party platform (such as a bank) offers a long-acting exchange rate to the merchant, wherein the long-acting exchange rate is that the ratio of exchanging currency b with currency a in one day is 7:1, namely, 7 currencies a can be exchanged for 1 currency b (the denomination of each of the currencies a and b is 100), at the moment, the third party platform inquires the estimated currency exchange amount from the estimating system, namely, the estimated amount of exchanging currency b with the currency a by the merchant is 800, and at the moment, the third party platform pre-purchases 800 currencies b with the currency a through the open management system. In addition, the third party platform will accumulate the amount of currency a actually exchanged with currency b by the merchant during the day, resulting in 1000 actual currency exchange by the merchant during the day. Since the third party platform pre-redeems 800 currency b, and the merchant actually uses 1000 currency b, it is necessary to continue to redeem 200 currency b with currency a. It should be noted that the redemption and risk control may also be performed with reference to the above-described methods when other resources are redeemed.

In the above embodiment, firstly, the resource price ratio for representing the exchange between different resources in the target period is determined, the estimated exchange amount of the resources of the target object in the target period is determined, then the resource pre-balancing processing is performed according to the estimated exchange amount of the resources through the risk management system, the resource balancing processing is performed without waiting for the target object to finish the exchange of the resources in the target period, and when the estimated exchange amount of the resources of the target object is estimated, the resource balancing processing can be performed by utilizing the risk management system, so that the problem of resource risk caused by the fluctuation of the real-time price ratio of the resources in the target period is effectively avoided; in addition, the resource risk does not exist, so that the resource price provided for the target object is low, and the resource exchange rate can be effectively improved. In addition, when the appointed time in the target period is reached, the actual conversion amount of the resources of the target object in the target period under the resource price comparison is obtained, and then the estimated conversion amount of the resources and the actual conversion amount of the resources are input into the risk management system, so that the risk management system performs resource balance processing according to the estimated conversion amount of the resources and the actual conversion amount of the resources.

In one embodiment, as shown in fig. 5, S204 may specifically include:

S502, obtaining a resource exchange amount obtained by the target object performing resource exchange in a target window, and obtaining a first resource exchange amount.

The starting point of the target window is the current time, and the end point is the historical time. When the designated time of the target period is the end point of the target period, the window duration of the target window is equal to the duration of the target period, as shown in a diagram (a) of fig. 6, t0 in the diagram is the current time, and t1-t5 belong to the historical time; in addition, when the specified time of the target period is an equal point of the target period, the window duration of the target window may also be equal to a duration between the start point of the target period and the specified time. It should be noted that the moving direction of the target window is the direction in which the current time points to the history time.

In one embodiment, the terminal may obtain, through the resource balancing system, a resource conversion amount obtained by performing resource conversion on the target object in the target window, to obtain a first resource conversion amount. The resource balancing system may be a model of triggerable resource balancing processing on the terminal, and may be referred to as a resource balancing module, and in some application scenarios, may be referred to as a flat disc module. For example, the terminal may obtain the resource conversion amount obtained by the target cluster performing the resource conversion in the target window from t0 to t4, and obtain the first resource conversion amount in the time period from t0 to t 4.

In one embodiment, the method further comprises: when the target object is at least two objects, the terminal aggregates the at least two objects according to the provided service types to obtain an object cluster; wherein the service types provided by the objects in the same object cluster are the same. Thus, S502 may specifically include: the terminal obtains the resource exchange amount obtained by the resource exchange of the object cluster in the target window, and obtains the first resource exchange amount.

S504, moving the target window along the direction of the current time to the historical time according to the moving step length.

In one embodiment, S504 may specifically include: the terminal determines window duration of a target window; determining a moving step length according to the window duration and a preset coefficient; and moving the target window according to the moving step length and the direction of the current time pointing to the historical time.

Wherein the movement step length is less than or equal to the window duration. The preset coefficient may be set according to a window duration. For example, when the window duration is 6 hours, the preset coefficient may be 1/6, and thus the moving step is 1, i.e., each time 1 hour, as shown in fig. 6 (b).

S506, after the target window is moved according to the moving step length each time, obtaining the resource exchange amount obtained by the resource exchange of the target object in the target window after each movement, and obtaining each second resource exchange amount.

In one embodiment, the method further comprises: when the target object is at least two objects, the terminal aggregates the at least two objects according to the provided service types to obtain an object cluster; the type of service provided by each object in the same object cluster is the same. Thus, S506 may specifically include: the terminal obtains the resource exchange amount obtained by carrying out resource exchange on the object cluster in the target window after each movement, and obtains each second resource exchange amount.

After moving the target window according to the moving step length each time, the terminal can acquire the resource exchange amount obtained by carrying out resource exchange on the target cluster in the target window after each movement through the resource balance system, and each second resource exchange amount is obtained. For example, referring to fig. 6 (b), when the target window moves from t0 to t1, the resource exchange amount obtained by performing resource exchange on the target cluster in the target window from t1 to t5 can be obtained, and the second resource exchange amount in the time period from t1 to t5 is obtained; when the target window moves from t1 to t2, the resource exchange amount obtained by the resource exchange of the target cluster in the target window from t2 to t6 can be obtained, and the second resource exchange amount in the time period from t2 to t6 is obtained.

And S508, determining the exchange amount obtained by carrying out resource exchange on the target object in the target period and under the resource price ratio based on the first resource exchange amount and each second resource exchange amount, and obtaining the resource estimated exchange amount.

In one embodiment, S508 may specifically include: the terminal takes the average value between the first resource conversion amount and each second resource conversion amount as the resource pre-estimated conversion amount of the target object in the target period and under the resource price ratio;

For example, the terminal may trace back to count the resource exchange amount amount1 in the target window (for example, the last six hours) with the current time as a starting point; then moving the target window according to the moving step length, and continuously counting the resource exchange quantity amout _2 in the moved target window; and so on to obtain amount3, amount4, amount5, amount6 respectively; then the estimated conversion amount of the resources of the target object in the target period can be calculated by using the following calculation formula:

deal_estimated_1＝(amount_1+amount_2+amount_3+amount_4+amount_5+amount_6)/6。

Wherein, the amount1, amount2, amount3, amount4, amount5 and amount6 are the resource exchange amount under different target windows respectively.

In another embodiment, S508 may further include: and the terminal performs weighted summation on the first resource conversion amount and each second resource conversion amount, and takes the sum value obtained by the weighted summation as the resource estimated conversion amount of the target object in the target period and under the resource price ratio.

For example, for the calculation of the estimated redemption quantity of the resource, a different calculation model may be selected, such as may be calculated using the following calculation formula:

deal_estimated_2＝W1×amount_1+W2×amount_2+W3×amount_3+W4×amount_4+W5×amount_5+W6×amount_6。

Wherein W1, W2, W3, W4, W5 and W6 are weights respectively, the weights are all unequal or not completely equal, and w1+w2+w3+w4+w5+w6=1; the estimated resource conversion amount of the target object for resource conversion in the target period can be estimated through the calculation formula.

Under the condition that the target objects are at least two objects and are subjected to aggregation processing, when the resource exchange amount obtained by the resource exchange of the object clusters in the target window and the moved target window is obtained, the terminal can determine the exchange amount obtained by the resource exchange of the object clusters in the target period under the condition of the resource price ratio based on the first resource exchange amount and each second resource exchange amount.

In the above embodiment, the resource conversion amount of each history period is counted by using the target window, and the resource estimated conversion amount of the target object in the target period is estimated according to the resource conversion amount of each history period, so as to perform the resource pre-balancing process according to the resource estimated conversion amount; in addition, when estimating the estimated conversion amount of the resources of the target object in the target period, the average value between the estimated conversion amounts of the resources of different target windows can be directly calculated, the estimated conversion amount of the resources of the average value target object in the target period and under the resource price ratio can be obtained, or the estimated conversion amounts of the resources of the target object in the target period and under the resource price ratio can be weighted and summed, so that the obtained estimated conversion amount of the resources is close to the actual conversion amount of the resources of the target object, and the accuracy of the resource pre-balancing treatment can be ensured.

In one embodiment, the method further comprises: when determining the estimated conversion amount of the resource, the terminal determines the estimated accuracy of the estimated conversion amount of the resource; when the resource price ratio of the next period needs to be determined, determining a risk overflow price based on the estimated accuracy; the resource price ratio for the next time period is determined based on the risk premium and the historical resource price ratio.

Wherein the next period is a period after the target period, and the time length of the next period is equal to the time length of the target period.

The estimated accuracy may refer to the accuracy of estimating the amount of resource conversion performed by the target object within the target period. Because the real-time price ratio among different resources fluctuates along with time, the estimated resource estimated conversion amount of the target object for carrying out resource conversion in the target period influences the income of the third party platform, and therefore, the inaccurate estimation can possibly cause the third party platform to suffer certain loss, so the risk overflow price can be determined on the basis, the risk overflow price can be taken into consideration when the target object is quoted next time, and the problem of resource conversion risk of the third party platform can be avoided.

For example, after estimating the estimated conversion amount of the resource of the target object each time and obtaining the actual conversion amount of the resource of the target object, according to the estimated conversion amount of the resource and the accuracy of the actual conversion amount of the resource, let the estimated conversion amount of the resource be x and the actual conversion amount of the resource be y, the accuracy of the current estimation is 1- (x-y)/y.

In the risk control method of the present application, the steps of the risk control method may be directed to a single target object of some services or to at least two target objects of the same service, as shown in fig. 7, and the risk control method includes:

s702, when the target object is at least two objects, carrying out aggregation processing on the at least two objects according to the provided service type to obtain an object cluster.

S704, obtaining the resource exchange amount obtained by the resource exchange of the object cluster in the target window, and obtaining the first resource exchange amount.

S706, obtaining the resource exchange amount obtained by carrying out resource exchange on the object cluster in the target window after each movement, and obtaining each second resource exchange amount.

The detailed steps of S702 to S706 may refer to the embodiment of fig. 5.

S708, determining the exchange amount obtained by carrying out resource exchange on the object cluster in the target period and under the resource price ratio based on the first resource exchange amount and each second resource exchange amount, and obtaining the resource estimated exchange amount.

In one embodiment, S708 may specifically include: the terminal takes the average value between the first resource exchange amount and each second resource exchange amount of the object cluster as the resource pre-estimated exchange amount of the object cluster in the target period and under the resource price ratio; or carrying out weighted summation on the first resource exchange amount and each second resource exchange amount of the object cluster, and taking the sum value obtained by the weighted summation as the estimated resource exchange amount of the object cluster in the target period under the resource price ratio.

For example, the terminal may trace back to count the resource exchange amount amount1 in the target window (for example, the last six hours) with the current time as a starting point; then moving the target window according to the moving step length, and continuously counting the resource exchange quantity amout _2 in the moved target window; and so on to obtain amount3, amount4, amount5, amount6 respectively; then the estimated conversion amount of the resource of the object cluster in the target period can be calculated by using the following calculation formula: real_estimated_1= (amount_1+amount_2+amount_3+amount_4+amount_5+amount_6)/6. Wherein, the amount1, amount2, amount3, amount4, amount5 and amount5 are the resource exchange amount under different target windows respectively.

For another example, for the calculation of the estimated conversion amount of the resource, the following calculation formula may be adopted: real_estimated_2=w1×amount_1+w2×amount_2+w3× amount3+W4×amount4+W5×amount5+W6×amount6. Wherein W1, W2, W3, W4, W5 and W6 are weights respectively, the weights are respectively unequal or not completely equal, and w1+w2+w3+w4+w5+w6=1; the estimated resource conversion amount of the target cluster for resource conversion in the target period can be estimated through the calculation formula.

S710, carrying out resource pre-balancing processing according to the resource pre-estimated conversion amount through a risk management system.

In one embodiment, when reaching the designated time in the target period, the terminal acquires the actual exchange amount of the resources of the target object in the target period and under the specific price of the resources; and inputting the estimated conversion amount of the resources and the actual conversion amount of the resources into a risk management system, so that the risk management system performs resource balance processing according to the estimated conversion amount of the resources and the actual conversion amount of the resources.

The terminal determines a difference value between the estimated conversion amount of the resource and the actual conversion amount of the resource; determining a resource balance direction according to the size relation between the estimated conversion amount of the resource and the actual conversion amount of the resource; and inputting the difference value and the resource balancing direction into the risk management system so that the risk management system performs resource balancing processing according to the difference value and the resource balancing direction.

In the above embodiment, when a plurality of objects for providing each service type are faced, the objects may be aggregated according to the service type, so as to obtain an object cluster, where each object in the object cluster provides the same service type, so that the resource exchange amount of the object cluster is estimated according to the service type, and the accuracy of the estimation of the resource exchange amount may be effectively ensured, so that the accuracy of the resource pre-balancing process is effectively improved.

For clarity of understanding of the solution of the present application, the description is herein described in connection with specific application scenarios, and the specific description is as follows:

first, the system and module according to the present embodiment will be described, and the total related systems and modules include a business transaction amount prediction module, a flat plate module, a quotation system, and an exposure management system, reference may be made to fig. 8 and 9, in which:

(1) Quotation system: an institution may offer, such as a long-term exchange rate offer, to a merchant via an offer system.

Wherein the long-acting exchange rate is valid for a period of time, i.e., valid for a set period of time, and invalid beyond the period of time. The time period is the effective period of the long-acting exchange rate, namely the effective time.

(2) And a prediction module: the trade of merchants has a certain rule, and the prediction module can be used for predicting the trade quantity of each merchant in a set time period.

(3) Flat disc module: when the merchant carries out long-acting exchange rate price inquiry on the mechanism, the mechanism can trigger pre-flat operation besides quoting the merchant, for example, the pre-estimated transaction amount of the merchant is obtained through the prediction module, and then the pre-estimated transaction amount is injected into the open management system through the flat module, so that the open management system can carry out open management in advance, for example, flat management is carried out. In addition, the real transaction amount of the merchant can be accumulated, and then the difference value between the estimated transaction amount and the real transaction amount and the transaction direction are injected into the open management system to perform the 'more-paste less-supplement' action.

For example, after the effective time of the long-acting exchange rate is over, comparing the real transaction amount real_real of the merchant with the estimated transaction amount real_estimated, and if real_real > real_estimated, injecting the difference amout =real_real-real_estimated of the transaction amount and the transaction direction into the open management system; if real_real < real_estimated, the difference amout =real_estimated-real_real of the transaction amount and the transaction direction are injected into the open management system, wherein the transaction direction is opposite to the transaction direction of the merchant, for example, the merchant purchases the currency b with the currency a, and the merchant purchases the currency a with the currency b.

(4) Open management system: the method can be used for carrying out exposure management according to the injected estimated transaction amount, and can also be used for carrying out 'more-paste less-supplement' actions according to the estimated transaction amount and the actual transaction amount.

After describing the system and the module according to the present embodiment, the workflow will be described with reference to fig. 9, which is specifically as follows:

S1, the quotation system carries out long-acting exchange rate quotation for merchants.

The currency pair of the quotation is currency a and currency b, namely, the currency a is used for buying the currency b, and the effective time period is time_span.

S2, the quotation system sends a pre-flat notification to the flat module.

S3, inquiring the estimated transaction amount by the flat-disk module from the prediction module.

And after receiving the pre-flat notification, the flat module sends a price inquiry request to the prediction module so as to request the prediction module to predict the transaction amount of the merchant buying the currency b with the currency a within the time span range and obtain the predicted transaction amount real_estimated.

For the calculation of the estimated transaction amount real_estimated, the specific steps are as follows: the prediction module records all transaction data according to the occurrence time sequence. When transaction is needed to be pre-determined, the transaction data of each merchant history can be processed, so that the estimated transaction amount real_estimated is obtained.

Taking a merchant A as an example, taking the current moment as a starting point time_now, and retrospectively counting the transaction amount amount1 of the merchant A for buying the currency b with the currency a in the past six hours; then, taking 1 hour as a step length, taking the time_next=time_now-1, namely taking the moment (time_next) before one hour as a starting point, and retrospectively counting the transaction amount amout _2 of the merchant A buying the currency b with the currency a in the past six hours; and so on to obtain amount3, amount4, amount5, amount6 respectively; then the estimated transaction amount is deal_expanded= (amount1+amount2+amount3+amount4+amount5+amount6)/6.

In addition, for the calculation of the real_estimated, a different calculation model may be selected, for example, the real_estimated=w1×amp_1+w2×amp_2+w3×amp_3+w4×amp_4+w5×amp_5+w6×amp_6 may be counted as weights.

Wherein w1+w2+w3+w4+w5+w6=1.

After the prediction module calculates the predicted transaction amount, the accuracy rate of the prediction can be provided, so that the risk premium caused by inaccurate prediction can be considered when the quotation system provides long-acting exchange rate quotation.

S4, injecting the estimated transaction amount real_estimated and the transaction direction into the opening management system, so that the opening management system performs opening management actions, such as pre-flat disc operation.

The pre-flat operation can be based on a certain type of business, namely, aggregation of certain businesses is used as an operation unit, and the pre-flat operation of the business granularity level can be performed as compared with the pre-estimation of the transaction amount according to the business type due to low transaction amount prediction accuracy of single businesses of certain businesses.

S5, continuously accumulating real transaction quantity real_real of the merchant money a buying money b in the effective time of the long-acting exchange rate by the flat plate module;

s6, when the effective time of the long-acting exchange rate is over, performing 'more pastes and less supplements' operation.

If the real_real > real_estimated, the difference amout =real_real-real_estimated and the transaction direction of the transaction amount are injected into the open management system; if real_real < real_estimated, the difference amout =real_estimated-real_real of the transaction amount and the transaction direction are injected into the open management system.

In the real-time transaction accumulation process of the merchant, the estimated transaction amount can be compared, if the effective time of the long-acting exchange rate is 6 hours, the comparison can be carried out once at the end of the 3 rd hour, namely the estimated transaction amount and the real transaction amount in the 3 hours are compared, so that the open management system can carry out more-paste less-supplement work in advance, and the data needing to be corrected at the end of the last time is avoided to be too large.

After the 'more pastes and less supplements' work is carried out, price reduction quotation can be carried out for the commercial tenant according to the actual situation, thereby attracting the commercial tenant to deal with and reducing the trade cost of going to the market plate between banks.

The whole mechanism of the pre-flat plate transaction enables the time of risk exposure management to be advanced to the time of price reporting after the transaction occurs, so that various exchange rate fluctuations of the long-acting exchange rate in the effective period are avoided, and the risk resistance of the mechanism is improved. And for the exchange rate effective period quotation in any time length, the transaction cost of the institutions accepting the commercial tenant is locked through the pre-flat plate in the effective period quotation, so that excessive risk premium is not required to be added additionally, and the institutions can provide the long-acting exchange rate quotation with higher market competitiveness.

It should be understood that, although the steps in the flowcharts related to the embodiments described above are sequentially shown as indicated by arrows, these steps are not necessarily sequentially performed in the order indicated by the arrows. The steps are not strictly limited to the order of execution unless explicitly recited herein, and the steps may be executed in other orders. Moreover, at least some of the steps in the flowcharts described in the above embodiments may include a plurality of steps or a plurality of stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of the steps or stages is not necessarily performed sequentially, but may be performed alternately or alternately with at least some of the other steps or stages.

Based on the same inventive concept, the embodiment of the application also provides a resource exchange risk control device for realizing the above related resource exchange risk control method. The implementation of the solution provided by the device is similar to the implementation described in the above method, so the specific limitation in the embodiments of the risk control device for resource exchange provided below may refer to the limitation of the risk control method for resource exchange hereinabove, and will not be repeated herein.

In one embodiment, as shown in fig. 10, there is provided a risk control apparatus for resource redemption, including: a first determination module 1002, a second determination module 1004, a first processing module 1006, an acquisition module 1008, and a second processing module 1010, wherein:

a first determining module 1002, configured to determine a resource price ratio for representing a redemption between different resources within a target period;

a second determining module 1004, configured to determine a predicted conversion amount of the resource of the target object in the target period and under the specific price of the resource;

a first processing module 1006, configured to perform resource pre-balancing processing according to the resource pre-estimated conversion amount through the risk management system;

an obtaining module 1008, configured to obtain an actual conversion amount of the resource of the target object in the target period and under the specific price of the resource when the specified time in the target period is reached;

The second processing module 1010 is configured to input the estimated conversion amount of the resource and the actual conversion amount of the resource into the risk management system, so that the risk management system performs resource balancing processing according to the estimated conversion amount of the resource and the actual conversion amount of the resource.

In some embodiments, the second determining module 1004 is further configured to obtain a resource conversion amount obtained by performing resource conversion on the target object in the target window, so as to obtain a first resource conversion amount; the starting point of the target window is the current time; moving the target window along the direction of the current time pointing to the historical time according to the moving step length; after moving the target window according to the moving step length each time, acquiring a resource exchange amount obtained by carrying out resource exchange on the target object in the target window after each movement, and obtaining second resource exchange amounts; and determining the conversion amount obtained by carrying out resource conversion on the target object in the target period under the condition of the resource price ratio based on the first resource conversion amount and each second resource conversion amount to obtain the resource estimated conversion amount.

In some embodiments, the second determining module 1004 is further configured to use the average value between the first resource conversion amount and each second resource conversion amount as the estimated conversion amount of the resource of the target object in the target period and under the resource price ratio; or carrying out weighted summation on the first resource conversion amount and each second resource conversion amount, and taking the sum value obtained by weighted summation as the resource estimated conversion amount of the target object in the target period under the resource price ratio.

In some embodiments, the second determining module 1004 is further configured to determine a window duration of the target window; determining a moving step length according to the window duration and a preset coefficient; the moving step length is smaller than or equal to the window duration; and moving the target window according to the moving step length and the direction of the current time pointing to the historical time.

In some of these embodiments, as shown in fig. 11, the apparatus further comprises:

the aggregation module 1012 is configured to aggregate at least two objects according to the provided service type when the target object is at least two objects, so as to obtain an object cluster; wherein, the service types provided by the objects in the same object cluster are the same;

The second determining module 1004 is further configured to obtain a resource conversion amount obtained by performing resource conversion on the object cluster in the target window; acquiring a resource exchange amount obtained by carrying out resource exchange on the object cluster in a target window after each movement; and determining the exchange amount obtained by carrying out resource exchange on the object cluster in the target period under the condition of the resource price ratio based on the first resource exchange amount and each second resource exchange amount.

The first determining module 1002 is further configured to determine a resource price ratio variation between different resources in a preset history period; determining the resource price ratio of the target object for exchanging among different resources in the target period according to the resource price ratio variation;

A sending module 1014 is configured to send the resource price ratio to the target object through the resource quotation system.

In some embodiments, the first determining module 1002 is further configured to aggregate at least two objects according to the provided service type to obtain an object cluster when the target object is at least two objects; wherein, the service types provided by the objects in the same object cluster are the same; and determining the resource price ratio of the target cluster for exchanging among different resources in the target period according to the resource price ratio variation.

In some embodiments, the first determining module 1002 is further configured to determine, when determining the estimated conversion amount of the resource, an estimated accuracy of the estimated conversion amount of the resource; when the resource price ratio of the next period needs to be determined, determining a risk overflow price based on the estimated accuracy; the next time period is a time period after the target time period, and the time length of the next time period is equal to the time length of the target time period; the resource price ratio for the next time period is determined based on the risk premium and the historical resource price ratio.

In some of these embodiments, the specified time includes each of the aliquots in the target period, or an end of the target period; the estimated conversion amount of the resources comprises the estimated conversion amount of the resources from the starting point of the target period to the adjacent equal point or the estimated conversion amount of the resources from the corresponding equal point to the adjacent equal point or the end point of the target period; the actual resource exchange amount includes an actual exchange amount of the resource exchange from the origin to the adjacent equal point or an actual exchange amount of the resource exchange from the corresponding equal point to the adjacent equal point or the end point in the target period.

In some embodiments, the second processing module 1010 is further configured to determine a difference between the estimated redemption quantity of the resource and the actual redemption quantity of the resource; determining a resource balance direction according to the size relation between the estimated conversion amount of the resource and the actual conversion amount of the resource; and inputting the difference value and the resource balancing direction into the risk management system so that the risk management system performs resource balancing processing according to the difference value and the resource balancing direction.

In some of these embodiments, the actual redemption quantity of the resource is the quantity of the target object redeeming the first resource for the second resource;

The second processing module 1010 is further configured to exchange the first resource with a resource amount equal to the difference value into the second resource according to the resource balancing direction when the actual exchange amount of the resource is greater than the predicted exchange amount of the resource; and when the actual conversion amount of the resources is smaller than the estimated conversion amount of the resources, converting the second resources with the resource amount equal to the difference value into the first resources according to the resource balance direction.

The various modules in the risk control device for resource redemption described above may be implemented in whole or in part in software, hardware, or a combination thereof. The above modules may be embedded in hardware or may be independent of a processor in the computer device, or may be stored in software in a memory in the computer device, so that the processor may call and execute operations corresponding to the above modules.

In one embodiment, a computer device is provided, which may be a server, and the internal structure of which may be as shown in fig. 12. The computer device includes a processor, a memory, an Input/Output interface (I/O) and a communication interface. The processor, the memory and the input/output interface are connected through a system bus, and the communication interface is connected to the system bus through the input/output interface. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, computer programs, and a database. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The database of the computer device is used for storing corresponding data. The input/output interface of the computer device is used to exchange information between the processor and the external device. The communication interface of the computer device is used for communicating with an external terminal through a network connection. The computer program when executed by a processor implements a risk control method for resource redemption.

In one embodiment, a computer device is provided, which may be a terminal, and the internal structure thereof may be as shown in fig. 13. The computer device includes a processor, a memory, an input/output interface, a communication interface, a display unit, and an input means. The processor, the memory and the input/output interface are connected through a system bus, and the communication interface, the display unit and the input device are connected to the system bus through the input/output interface. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and computer programs in the non-volatile storage media. The input/output interface of the computer device is used to exchange information between the processor and the external device. The communication interface of the computer device is used for carrying out wired or wireless communication with an external terminal, and the wireless mode can be realized through WIFI, a mobile cellular network, NFC (near field communication) or other technologies. The computer program when executed by a processor implements a risk control method for resource redemption. The display unit of the computer equipment is used for forming a visual picture, and can be a display screen, a projection device or a virtual reality imaging device, wherein the display screen can be a liquid crystal display screen or an electronic ink display screen, the input device of the computer equipment can be a touch layer covered on the display screen, can also be a key, a track ball or a touch pad arranged on a shell of the computer equipment, and can also be an external keyboard, a touch pad or a mouse and the like.

It will be appreciated by those skilled in the art that the structures shown in fig. 12 and 13 are block diagrams of only portions of structures associated with the present inventive arrangements and are not limiting of the computer device to which the present inventive arrangements are applied, and that a particular computer device may include more or fewer components than shown, or may combine certain components, or have a different arrangement of components.

In one embodiment, a computer device is provided, comprising a memory and a processor, the memory having stored therein a computer program, the processor, when executing the computer program, performing the steps of the risk control method for resource redemption described above.

In one embodiment, a computer readable storage medium is provided, on which a computer program is stored which, when executed by a processor, implements the steps of the risk control method for resource redemption described above.

In one embodiment, a computer program product is provided comprising a computer program which, when executed by a processor, implements the steps of the risk control method for resource redemption described above.

It should be noted that, the user information (including but not limited to user equipment information, user personal information, etc.) and the data (including but not limited to data for analysis, stored data, presented data, etc.) related to the present application are information and data authorized by the user or sufficiently authorized by each party, and the collection, use and processing of the related data need to comply with the related laws and regulations and standards of the related country and region.

Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, database, or other medium used in embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high density embedded nonvolatile Memory, resistive random access Memory (ReRAM), magneto-resistive random access Memory (Magnetoresistive Random Access Memory, MRAM), ferroelectric Memory (Ferroelectric Random Access Memory, FRAM), phase change Memory (PHASE CHANGE Memory, PCM), graphene Memory, and the like. Volatile memory can include random access memory (Random Access Memory, RAM) or external cache memory, and the like. By way of illustration, and not limitation, RAM can be in various forms such as static random access memory (Static Random Access Memory, SRAM) or dynamic random access memory (Dynamic Random Access Memory, DRAM), etc. The databases referred to in the embodiments provided herein may include at least one of a relational database and a non-relational database. The non-relational database may include, but is not limited to, a blockchain-based distributed database, and the like. The processor referred to in the embodiments provided in the present application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic unit, a data processing logic unit based on quantum computing, or the like, but is not limited thereto.

The technical features of the above embodiments may be arbitrarily combined, and all possible combinations of the technical features in the above embodiments are not described for brevity of description, however, as long as there is no contradiction between the combinations of the technical features, they should be considered as the scope of the description.

The foregoing examples illustrate only a few embodiments of the application and are described in detail herein without thereby limiting the scope of the application. It should be noted that it will be apparent to those skilled in the art that several variations and modifications can be made without departing from the spirit of the application, which are all within the scope of the application. Accordingly, the scope of the application should be assessed as that of the appended claims.

Claims

1. A method of risk control for resource redemption, the method comprising:

2. The method of claim 1, wherein the determining the estimated redemption quantity of the resource for the target object within the target period and at the resource price ratio comprises:

Acquiring a resource exchange amount obtained by carrying out resource exchange on the target object in a target window, and obtaining a first resource exchange amount; the starting point of the target window is the current time;

moving the target window along the direction of the current time pointing to the historical time according to the moving step length;

After the target window is moved according to the moving step length each time, obtaining a resource exchange amount obtained by carrying out resource exchange in the target window after each movement of the target object, and obtaining second resource exchange amounts;

And determining the conversion amount obtained by carrying out resource conversion on the target object in the target period under the resource price ratio based on the first resource conversion amount and each second resource conversion amount to obtain the resource estimated conversion amount.

3. The method of claim 2, wherein the determining, based on the first resource conversion amount and each of the second resource conversion amounts, the conversion amount obtained by the target object performing the resource conversion in the target period and under the specific price of the resource, to obtain the estimated conversion amount of the resource includes:

Taking the average value between the first resource conversion amount and each second resource conversion amount as the estimated conversion amount of the resources of the target object in the target period and under the resource price ratio; or alternatively

And carrying out weighted summation on the first resource conversion amount and each second resource conversion amount, and taking a sum value obtained by weighted summation as a resource estimated conversion amount of the target object in the target period under the resource price.

4. The method of claim 2, wherein moving the target window in a direction in which the current time points to the historical time in a movement step comprises:

Determining window duration of the target window;

Determining a moving step length according to the window duration and a preset coefficient; the moving step length is smaller than or equal to the window duration;

and moving the target window according to the moving step length and the direction of the current time to the historical time.

5. The method according to any one of claims 2 to 4, further comprising:

When the target object is at least two objects, carrying out aggregation treatment on the at least two objects according to the provided service types to obtain an object cluster; wherein, the service types provided by the objects in the same object cluster are the same;

The step of obtaining the resource exchange amount obtained by the resource exchange of the target object in the target window comprises the following steps:

acquiring a resource exchange amount obtained by carrying out resource exchange on the object cluster in a target window;

The step of obtaining the resource exchange amount obtained by the resource exchange of the target object in the target window after each movement comprises the following steps:

Acquiring the resource exchange amount obtained by carrying out resource exchange on the object cluster in the target window after each movement;

The determining, based on the first resource conversion amount and each of the second resource conversion amounts, a conversion amount obtained by converting the target object into the resource in the target period and under the specific price of the resource includes:

And determining the exchange amount obtained by carrying out resource exchange on the object cluster in the target period under the resource price ratio based on the first resource exchange amount and each second resource exchange amount.

6. The method of claim 1, wherein the determining a resource price ratio for representing a redemption between different resources within a target time period comprises:

determining the resource price change quantity among different resources in a preset history period;

Determining the resource price ratio of the target object for exchanging among different resources in the target period according to the resource price ratio variation;

the method further comprises the steps of: and sending the resource price ratio to the target object through a resource quotation system.

7. The method of claim 6, wherein determining the resource price ratio for redemption of the target object between different resources within the target period of time based on the resource price ratio variation comprises:

And determining the resource price ratio of the object cluster for exchanging among different resources in the target period according to the resource price ratio variation.

8. The method according to claim 1, wherein the method further comprises:

When the estimated conversion amount of the resource is determined, determining the estimated accuracy of the estimated conversion amount of the resource;

When the resource price ratio of the next period needs to be determined, determining a risk overflow price based on the estimated accuracy; the next period is a period of time after the target period, and the time length of the next period is equal to the time length of the target period;

and determining the resource price ratio of the next period based on the risk overflow price and the historical resource price ratio.

9. The method of claim 1, wherein the specified time comprises each of the aliquots in the target period, or an end of the target period;

The estimated conversion amount of the resources comprises estimated conversion amount of the resources from the starting point of the target period to the adjacent equal point or estimated conversion amount of the resources from the corresponding equal point in the target period to the adjacent equal point or the end point;

The actual resource exchange amount comprises the actual exchange amount of the resource exchange from the starting point to the adjacent equal point or the actual exchange amount of the resource exchange from the corresponding equal point to the adjacent equal point or the end point in the target period.

10. The method according to any one of claims 1 to 9, wherein inputting the estimated conversion amount of the resource and the actual conversion amount of the resource into the risk management system, so that the risk management system performs the resource balancing process according to the estimated conversion amount of the resource and the actual conversion amount of the resource includes:

Determining a difference value between the estimated conversion amount of the resource and the actual conversion amount of the resource;

determining a resource balance direction according to the magnitude relation between the estimated conversion amount of the resource and the actual conversion amount of the resource;

and inputting the difference value and the resource balancing direction into the risk management system so that the risk management system performs resource balancing processing according to the difference value and the resource balancing direction.

11. The method of claim 10, wherein the actual redemption amount of resources is an amount by which the target object redeems a first resource for a second resource;

The performing the resource balancing process according to the difference value and the resource balancing direction includes:

When the actual conversion amount of the resources is larger than the estimated conversion amount of the resources, converting the first resources with the resource amount equal to the difference value into the second resources according to the resource balance direction;

and when the actual conversion amount of the resources is smaller than the estimated conversion amount of the resources, converting the second resources with the resource amount equal to the difference value into the first resources according to the resource balance direction.

12. A risk control device for resource redemption, the device comprising:

13. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor implements the steps of the method of any one of claims 1 to 11 when the computer program is executed.

14. A computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any of claims 1 to 11.

15. A computer program product comprising a computer program, characterized in that the computer program, when being executed by a processor, implements the steps of the method of any one of claims 1 to 11.