WO2020093874A1 - 一种购汇交易方法及装置 - Google Patents

一种购汇交易方法及装置 Download PDF

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Publication number
WO2020093874A1
WO2020093874A1 PCT/CN2019/112872 CN2019112872W WO2020093874A1 WO 2020093874 A1 WO2020093874 A1 WO 2020093874A1 CN 2019112872 W CN2019112872 W CN 2019112872W WO 2020093874 A1 WO2020093874 A1 WO 2020093874A1
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Prior art keywords
purchase
foreign exchange
period
actual
set period
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English (en)
French (fr)
Inventor
刘铁
戚翠玲
高建斌
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China Unionpay Co Ltd
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China Unionpay Co Ltd
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Publication of WO2020093874A1 publication Critical patent/WO2020093874A1/zh
Priority to US17/246,655 priority Critical patent/US20210256605A1/en
Anticipated expiration legal-status Critical
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/381—Currency conversion
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the invention relates to the field of electronic commerce, and in particular to a method and device for purchasing foreign exchange transactions.
  • the method of cross-border transaction settlement is mainly to settle and settle the money of overseas acquirers or merchants by the financial personnel purchasing foreign exchange at each foreign exchange purchase bank through the cross-border transaction settlement platform.
  • the exchange rate when the cardholder submits the transaction request may be significantly different from the financial personnel's acquisition of bank exchange rate quotes through manual or online channels during payment settlement, and then There may be a risk of substantial capital loss.
  • Embodiments of the present invention provide a method and a device for purchasing foreign exchange transactions to reduce exchange risk and improve the accuracy and efficiency of exchange.
  • An embodiment of the present invention provides a foreign exchange purchase method, including:
  • a foreign exchange purchase transaction request is initiated based on the predicted purchase aggregate volume; the foreign exchange purchase transaction request is used to purchase the prediction at the exchange rate during the exchange rate stabilization period Purchase a total amount of foreign exchange;
  • the transaction liquidation is performed according to the actual purchase aggregate volume and the predicted purchase aggregate volume.
  • the forecasting the aggregate amount of the first set term based on historical transaction data includes:
  • the first set period is a set period of the set day; each foreign exchange purchase cycle includes K different set days;
  • the predicted purchase aggregate volume; N, M, and K are positive integers.
  • the predicted purchase aggregate quantity is expressed as:
  • Y is the predicted purchase sum of the first set period
  • X1 is the first average value
  • X2 is the second average value of the K actual purchase sums of the first set period in a retrospective period before the predicted time
  • X3 and X4 are the actual purchase sums of the two first set deadlines in the one retrospective cycle; A, B, C, and D are set parameters, and the sum is equal to 1.
  • initiating a foreign exchange purchase transaction request based on the predicted purchase aggregate volume during the exchange rate stability period of the first set period includes:
  • the forecasted aggregate purchase amount of the first set period is divided according to the plurality of first foreign exchange purchase periods to determine each first purchase in the first set period
  • the forecasted foreign exchange purchase volume during the foreign exchange period including:
  • the second set period is the same as the first set period and is the closest set period before the first set period;
  • the third actual foreign exchange purchase component determines the proportion of each first foreign exchange purchase period in the multiple foreign exchange purchase periods
  • the predicted foreign exchange purchase component for each first foreign exchange purchase period is determined according to the proportion of each first foreign exchange purchase period and the predicted aggregate purchase amount.
  • A is the total amount of predicted purchases for the first set period
  • PCx represents the relative component of the predicted foreign exchange purchase, which is used to indicate the prediction of the Xth first foreign exchange purchase period in the first set period The proportion of foreign exchange purchases as a percentage of the predicted total purchase volume for the first set period;
  • N is the number of exchange rate update time points
  • the Px is the actual amount of foreign exchange purchase in the second set period in the Xth first foreign exchange purchase period
  • Hx is the forecast 1 retrospective period before the time in the first set period of actual foreign exchange purchase amount in the Xth first foreign exchange purchase period
  • HPx means that 1 retrospective period before the predicted time is within the first set period Describe the actual amount of foreign exchange purchased during the Xth second foreign exchange purchase period in the second set period.
  • An embodiment of the present invention provides a foreign exchange purchase transaction device, including:
  • Prediction module used to predict the predicted purchase sum of the first set period based on historical transaction data
  • the processing module is used to initiate a foreign exchange purchase transaction request based on the predicted purchase aggregate amount during the exchange rate stability period of the first set period; the foreign exchange purchase transaction request is used according to the exchange rate stability period Foreign exchange purchase of the foreign exchange for the forecasted aggregate purchase amount; after the end of the first predetermined period, obtain the actual aggregate purchase amount within the first predetermined period; based on the actual aggregate purchase amount and the predicted purchase amount Summarize volume for transaction clearing.
  • the prediction module is specifically configured to: the first set period is a set period of a set day; each foreign exchange purchase cycle includes K different set days;
  • the first average value of the actual purchase aggregate volume, the second average value of the M actual purchase aggregate volume, and the K actual purchase aggregate volume of the N actual purchase aggregate volume determine the predicted foreign exchange purchase volume Total; N, M, K are positive integers.
  • the predicted purchase aggregate quantity is expressed as:
  • Y is the predicted purchase sum of the first set period
  • X1 is the first average value
  • X2 is the second average value of the K actual purchase sums of the first set period in a retrospective period before the predicted time
  • X3 and X4 are the actual purchase sums of the two first set deadlines in the one retrospective cycle; A, B, C, and D are set parameters, and the sum is equal to 1.
  • processing module is specifically used to:
  • processing module is specifically used to:
  • A is the total amount of predicted purchases for the first set period
  • PCx represents the relative component of the predicted foreign exchange purchase, which is used to indicate the prediction of the Xth first foreign exchange purchase period in the first set period The proportion of foreign exchange purchases as a percentage of the predicted total purchase volume for the first set period;
  • N is the number of exchange rate update time points
  • the Px is the actual amount of foreign exchange purchase in the second set period in the Xth first foreign exchange purchase period
  • Hx is the forecast The amount of actual foreign exchange purchase in the Xth first foreign exchange purchase period in the first set period in a retrospective period before the time
  • HPx means
  • An embodiment of the present invention provides a computing device, including at least one processing unit and at least one storage unit, wherein the storage unit stores a computer program, and when the program is executed by the processing unit, the processing unit is executed The steps of any method described in the embodiments of the present invention.
  • An embodiment of the present invention provides a computer-readable storage medium that stores a computer program executable by a computing device, and when the program runs on the computing device, the computing device is caused to perform any task described in the embodiments of the present invention. Steps of a method.
  • the foreign exchange purchase transaction request is initiated in advance, and the foreign exchange purchase is initiated according to the Query the exchange rate during the time period of the transaction request, improve the efficiency of exchange rate processing, and meet the requirements of exchange rate management efficiency for multiple purchases of foreign exchange in a day.
  • the foreign exchange purchase transaction request since the foreign exchange purchase transaction request is initiated in advance, it avoids the risk of a large amount of capital loss due to exchange rate gains and losses that occur during the first set period when the actual settlement is obtained after the end of the first set period.
  • FIG. 1 is a flow chart of a method for purchasing foreign exchange transactions in an embodiment of the present invention
  • FIG. 2 is a flowchart of a method for purchasing foreign exchange transactions in an embodiment of the present invention
  • FIG. 3 is a schematic structural diagram of a foreign exchange purchase transaction device according to an embodiment of the present invention.
  • FIG. 4 is a schematic structural diagram of a foreign exchange purchase transaction device according to an embodiment of the present invention.
  • the foreign exchange purchase processing method in the prior art is mainly for the cross-border transaction settlement platform to transmit the daily clearing data calculation results to the foreign exchange purchase management system.
  • the system collects the transaction positions and collects the foreign currency funds according to the clearing agency after the statistical summary The amount is calculated. Obtain bank exchange rate quotes through manual or online channels.
  • the purchase of foreign exchange is calculated by calculating the required RMB in foreign currency funds through the exchange rate obtained.
  • the financial staff prepares sufficient RMB funds and sends the foreign exchange purchase request to the foreign currency trading platform to complete the foreign exchange purchase operation. If the exchange rate does not fluctuate for two consecutive days, the risk of exchange loss caused by using this foreign exchange purchase method is not high.
  • an embodiment of the present invention provides a foreign exchange purchase method, as shown in FIG. 1, including:
  • Step 101 Based on historical transaction data, predict the predicted purchase aggregate volume for the first set period
  • Step 102 During the exchange rate stabilization period of the first set period, a foreign exchange purchase transaction request is initiated based on the predicted purchase aggregate volume; the foreign exchange purchase transaction request is used to purchase at the exchange rate during the exchange rate stability period The foreign exchange of the forecasted purchase volume;
  • Step 103 After the end of the first predetermined period, obtain the actual purchase aggregate amount within the first predetermined period;
  • Step 104 Perform transaction liquidation based on the actual purchase aggregate volume and the predicted purchase aggregate volume.
  • the actual amount of foreign exchange purchase in the first set period can be determined based on the fund clearing data of the cross-border settlement platform and statistically summarizing the fund data according to the payment granularity.
  • the granularity of the first set period may be one day or hour, which is not limited herein.
  • the foreign exchange purchase transaction request is initiated in advance within the exchange rate stabilization period of the first set period, and according to Query the exchange rate during the period of time when the foreign exchange purchase request is initiated, improve the efficiency of exchange rate processing, and meet the requirements of exchange rate management efficiency for multiple purchases of foreign exchange in one day.
  • the foreign exchange purchase transaction request since the foreign exchange purchase transaction request is initiated in advance, it avoids the risk of a large amount of capital loss due to exchange rate gains and losses that occur during the first set period when the actual settlement is obtained after the end of the first set period.
  • the method of predicting the liquidation volume of the first set deadline can predict the purchase aggregate volume of the first set deadline through the development trajectory of the historical batch.
  • the predicting the aggregate purchase volume for the first set period based on historical transaction data includes:
  • Step 1 Acquire from the historical transaction data N actual purchase aggregate amounts of the first set period in each of the N purchase periods before the first set period;
  • the first set period is the set period of the set day; each foreign exchange purchase cycle includes K different set days;
  • Step 2 Obtain from the historical transaction data the M actual foreign exchange purchases in the most recent set foreign exchange purchase period before the first set deadline in the M set periods of the different days on the first set deadline Total
  • Step 3 According to the first average value of the N actual purchase sums, the second average value of the M actual purchase sums, and the K actual purchase sums among the N actual purchase sums Volume, determine the predicted purchase aggregate volume; N, M, K are positive integers.
  • a trend extrapolation model may be used to predict the liquidation amount.
  • the forecasting process selects historical data and plans the distribution weight of the historical data to predict the amount of purchases that require the first set period. Taking the first set period as the first set period of the day as an example, and a retrospective period of at least one week, the specific prediction method can be as follows:
  • the forecasted purchase aggregate volume is expressed as:
  • Y is the predicted purchase sum of the first set period
  • X1 is the first average value
  • X2 is the second average value of the K actual purchase sums of the first set period in a retrospective period before the predicted time
  • X3 and X4 are the actual purchase sums of the two first set deadlines in the one retrospective period
  • A, B, C, D are set parameters, and the sum is equal to 1.
  • Y can be the first set period on the T day (for example, the first set period is 9 am to 12 am), and the predicted total purchase amount;
  • X1 can be the actual purchase on the first set period on the T-7 day.
  • Total amount "Actual purchase amount for the first set period on T-14 day” and "Actual purchase amount for the first set period on T-21 day”;
  • X2 can be (T-7 day ⁇ The average daily purchase volume of the first set period on T-1);
  • X3 can be the actual purchase total amount on the first set period of T-7;
  • X4 can be the first set period on T-1 Amount of actual purchases within a certain period;
  • A, B, C, and D are proportional parameters, and the sum is equal to 1.
  • A, B, C, D can use global parameters to predict the purchase sum Y of the first set period; further, you can also configure the purchase sum of the first set period of each currency separately by currency Y, to improve the accuracy and flexibility of forecasting the purchase volume.
  • the determination method of the above model is only an exemplary description, and the retrospective time period and the specific time period and number of items can be determined according to specific needs, so as to improve the accuracy of forecasting the purchase volume.
  • the fund data is aggregated according to the clearing agency bank and the foreign currency dimension to obtain the purchase sum of foreign currency.
  • the exchange rate is usually not updated very frequently in a day.
  • the change after publishing at 10:30 in the morning is basically small.
  • the first set period can be determined according to the update time, for example, one day is set as one first set period, or one day can be divided into two set periods, and the time period after 10:30 is used as the first Set a time limit, and take the time period after 10:30 as the second set time limit, and conduct transaction clearing in batches.
  • step 102 in order to further reduce the exchange loss caused by the exchange rate, in step 102, it may include the following manner:
  • Step 1 Divide the first set time limit into multiple first foreign exchange purchase periods according to the time of exchange rate update
  • Step 2 Divide the forecasted aggregate purchase amount of the first set period according to the plurality of first foreign exchange purchase periods, and determine the predicted foreign exchange purchase component of each first foreign exchange purchase period in the set period ;
  • Step 3 Within the set period, during the exchange rate stabilization period in the first foreign exchange purchase period, a foreign exchange purchase transaction request is initiated.
  • the exchange rate stabilization period may be determined according to the exchange rate update time. For example, a possible implementation manner may obtain the bank exchange rate quote at the current time when the time of the foreign exchange purchase period in the first set period arrives, and according to Determine the amount of foreign exchange purchase at the current moment and the bank exchange rate quote, and initiate a foreign exchange purchase transaction request.
  • the purchase amount of the first set period is divided into multiple foreign exchange purchase components , For each foreign exchange purchase component, a foreign exchange purchase request is generated during each foreign exchange purchase period. It avoids the loss of exchange funds caused by exchange rate fluctuations; compared with the existing technology, the purchase of foreign exchange during actual settlement greatly reduces the risk of capital losses.
  • the exchange rate in each foreign exchange purchase request can be automatically queried and compared using technical means such as bank-enterprise direct connection and web crawler to obtain the real-time optimal exchange rate during each foreign exchange purchase period, further reducing the risk of capital loss .
  • the foreign exchange purchase volume is divided into a batch of purchase aggregate volume according to the exchange rate difference and the proportion occupied by different exchange rates. For the same batch if the same exchange rate is used, there is no need to split the purchase volume. For example, if the exchange rate is updated once in the same batch, you can divide the total purchase amount of a batch into two foreign exchange purchase periods, the previous foreign exchange purchase period corresponds to the exchange rate before the update, and the latter foreign exchange purchase period corresponds to the update Exchange rate.
  • exchange rate movements are generally more stable. Every day after 10:30 in the morning or around 5:00 in the afternoon is the main point of change. Then, 10:30 am and 5 pm can be used as two splitting nodes to split the corresponding batches.
  • the purchase aggregate amount of the first set period is divided into a plurality of foreign exchange purchase periods to determine the amount of foreign exchange purchase in each of the first set period ,include:
  • Step 1 According to the actual amount of purchases in the first set period in a retrospective period before the predicted time, determine the number of the first foreign exchange purchase periods in the first set period in a retrospective period 1. The actual amount of foreign exchange purchased;
  • Step 2 Obtain the first actual purchase aggregate quantity of the first set period in the Lth foreign exchange purchase cycle before the first set period;
  • Step 3 According to the plurality of first foreign exchange purchase periods, determine a plurality of first actual foreign exchange purchase amounts of the first actual purchase aggregate amount in the plurality of first foreign exchange purchase periods;
  • Step 4 Obtain the second actual purchase aggregate amount of the second set period; the second set period is the same as the first set period and the nearest set before the first set period Fixed period
  • Step 5 According to the plurality of first foreign exchange purchase periods, determine a plurality of second actual foreign exchange purchase components of the second actual purchase purchase amount in the plurality of first foreign exchange purchase periods;
  • Step 6 Obtain the third actual purchase aggregate amount of the second set period in the Lth foreign exchange purchase cycle
  • Step 7 According to the plurality of first foreign exchange purchase periods, determine a plurality of third actual foreign exchange purchase components of the third actual purchase aggregate amount in the plurality of first foreign exchange purchase periods;
  • Step 8 According to a plurality of first actual foreign exchange purchase components of the plurality of first foreign exchange purchase periods, a plurality of second actual foreign exchange purchase components of the plurality of first foreign exchange purchase periods and the plurality of first foreign exchange purchases Multiple third actual foreign exchange purchase components of the period, determining the proportion of each first foreign exchange purchase period in the multiple foreign exchange purchase periods;
  • Step 9 Determine the predicted foreign exchange purchase component for each first foreign exchange purchase period according to the proportion of each first foreign exchange purchase period and the predicted aggregate purchase amount.
  • the time slice refers to the time when the transaction corresponding to the total purchase volume of a batch occurs, that is, one time slice
  • the transactions within are transferred in a batch.
  • the calculation formula of the predicted foreign exchange purchase component is:
  • A is the total amount of predicted purchases for the first set period
  • PCx represents the relative component of the predicted foreign exchange purchase, which is used to indicate the prediction of the Xth first foreign exchange purchase period in the first set period The proportion of foreign exchange purchases as a percentage of the predicted total purchase volume for the first set period;
  • N is the number of exchange rate update time points
  • the Px is the actual amount of foreign exchange purchase in the second set period in the Xth first foreign exchange purchase period
  • Hx is the forecast 1 retrospective period before the time in the first set period of actual foreign exchange purchase amount in the Xth first foreign exchange purchase period
  • HPx means that 1 retrospective period before the predicted time is within the first set period Describe the actual amount of foreign exchange purchased during the Xth second foreign exchange purchase period in the second set period.
  • Hx can be the actual amount of foreign exchange purchased during the TX-T (X + 1) period of the same week of the previous week. TX starts from TS and the maximum value of T (X + 1) is TF. HPx can be the actual amount of foreign exchange purchased in the second set period of the same time period as TX-T (X + 1) in the same week of the previous week. TX starts from TS, and the maximum value of T (X + 1) is TF.
  • a foreign exchange purchase transaction request may be initiated according to the predicted foreign exchange purchase volume at a specified time point.
  • the foreign exchange purchase period is 2 periods, and the divided foreign exchange purchase components are A1 and A2, respectively.
  • the starting time point of the first set term is 10 points
  • the time point of the exchange rate update is 11 points
  • the end time point of the first set period is 12 points
  • two foreign exchange purchase transaction requests can be initiated . That is, at 10 o'clock, a foreign exchange purchase transaction request will be initiated according to the A1 component, and at 11 o'clock, a foreign exchange purchase transaction request will be initiated according to the A2 component. Both foreign exchange purchases can obtain the latest exchange rate quotation during the corresponding foreign exchange purchase period.
  • the latest exchange rate quotation can obtain real-time exchange rate quotation of each bank or clearing agent bank through various methods such as bank-enterprise docking channels and public website price grabbing, and compare the quotation of each bank or clearing agent bank, and finally select the price
  • the best foreign exchange buying bank initiates a foreign exchange purchase transaction request. This way of obtaining exchange rates ensures the timeliness of exchange rates and improves the efficiency of real-time foreign exchange purchases.
  • step 104 the transaction clearing based on the actual purchase aggregate volume and the predicted purchase aggregate volume includes:
  • the account of the foreign exchange purchase transaction request is liquidated according to the actual foreign exchange purchase volume
  • the foreign exchange purchase is performed once according to the actual foreign exchange purchase volume, and then the account of the foreign exchange purchase transaction request is liquidated.
  • the actual amount of foreign exchange purchased for the first set period is acquired. If it is determined that the actual foreign exchange purchase volume for the first set period is less than or equal to the predicted purchase aggregate volume, that is, the foreign currency required for the transfer is sufficient, the transfer can be made directly. If there is a surplus, the remaining funds can be used for new The set period of payment. If the actual foreign exchange purchase volume is greater than the predicted purchase aggregate volume of the foreign exchange purchase transaction request, the foreign currency gap can be refilled once, and then the foreign currency funds are sufficient to make the transfer.
  • the fund data is aggregated according to the clearing agency bank and the foreign currency dimension to obtain the purchase sum of foreign currency.
  • the purchase aggregate volume is divided into multiple foreign exchange purchase components based on the updated exchange rate.
  • Foreign exchange purchase transaction requests are initiated at multiple foreign exchange purchase time periods. After the end of the first set period, the purchased foreign exchange funds will be finally transferred to overseas institutions or merchants according to the actual amount of foreign exchange purchases, in order to improve the efficiency of foreign exchange purchases and reduce the capital risk caused by foreign exchange gains and losses.
  • the parameters in the prediction model can also be adjusted to improve the accuracy of the model's prediction of the purchase volume.
  • Step 201 Determine the predicted total purchase amount for the first set period
  • Step 202 Divide the first set period into multiple foreign exchange purchase periods according to whether there is an exchange rate update in the first set period;
  • Step 203 Determine the predicted foreign exchange purchase component for each foreign exchange purchase period in the first set period based on the predicted aggregate purchase amount and the multiple foreign exchange purchase periods;
  • Step 204 When the time of the foreign exchange purchase period in the first set period arrives, obtain the current exchange rate quote of the bank, and initiate a foreign exchange purchase transaction according to the determined predicted foreign exchange purchase amount at the current moment and the bank exchange rate quote request;
  • Step 205 After the end of the first set period of time, obtain the actual amount of foreign exchange purchased for the first set period of time;
  • Step 206 If it is determined that the actual foreign exchange purchase volume is less than or equal to the predicted purchase aggregate volume of the foreign exchange purchase transaction request, step 207 is executed; otherwise, step 208 is executed;
  • Step 207 Transfer the account of the foreign exchange purchase transaction request according to the actual amount of foreign exchange purchase
  • Step 208 After making a foreign exchange purchase based on the actual amount of foreign exchange purchase, then transfer to the account requested by the foreign exchange purchase transaction.
  • the purchase summary volume of the first set period is divided at 11 o'clock as the time node, and two foreign exchange purchase periods are determined.
  • the split ratio is calculated according to the split algorithm.
  • the second batch from 6 o'clock to 9 o'clock, uses 8 o'clock as the cutting point, and the transaction volume ratio between the two stages is 2: 1.
  • the first set period of the same period last week, that is, from 9 am to 12 pm on September 4th, with 11 pm as the cutting point, the transaction volume ratio between the two periods before and after is 3: 1.
  • the method of buying 120 million US dollars at 12 o'clock reduces the exchange rate difference of USD 80 million purchased at 9 o'clock, and reduces the risk of capital loss in exchange transactions.
  • an embodiment of the present invention also provides a foreign exchange purchase transaction device, as shown in FIG. 3, including:
  • the prediction module 301 is used to predict the predicted purchase aggregate volume of the first set period based on historical transaction data
  • the processing module 302 is configured to initiate a foreign exchange purchase transaction request based on the predicted purchase aggregate volume during the exchange rate stability period of the first set period; the foreign exchange purchase transaction request is used in accordance with the exchange rate stability period Purchase the foreign exchange of the forecasted purchase aggregate amount at the exchange rate of; after the end of the first predetermined period, obtain the actual purchase aggregate amount within the first predetermined period; based on the actual purchase aggregate amount and the forecast Purchasing the total amount for transaction liquidation.
  • the prediction module 301 is specifically configured to: the first set period is a set period of a set day; each foreign exchange purchase cycle includes K different set days;
  • the first average value of the actual purchase aggregate volume, the second average value of the M actual purchase aggregate volume, and the K actual purchase aggregate volume of the N actual purchase aggregate volume determine the predicted foreign exchange purchase volume Total; N, M, K are positive integers.
  • the predicted purchase aggregate quantity is expressed as:
  • Y is the predicted purchase sum of the first set period
  • X1 is the first average value
  • X2 is the second average value of the K actual purchase sums of the first set period in a retrospective period before the predicted time
  • X3 and X4 are the actual purchase sums of the two first set deadlines in the one retrospective cycle; A, B, C, and D are set parameters, and the sum is equal to 1.
  • processing module 302 is specifically used to:
  • processing module is specifically used to:
  • A is the total amount of predicted purchases for the first set period
  • PCx represents the relative component of the predicted foreign exchange purchase, which is used to indicate the prediction of the Xth first foreign exchange purchase period in the first set period The proportion of foreign exchange purchases as a percentage of the predicted total purchase volume for the first set period;
  • N is the number of exchange rate update time points
  • the Px is the actual amount of foreign exchange purchase in the second set period in the Xth first foreign exchange purchase period
  • Hx is the forecast 1 retrospective period before the time in the first set period of actual foreign exchange purchase amount in the Xth first foreign exchange purchase period
  • HPx means that 1 retrospective period before the predicted time is within the first set period Describe the actual amount of foreign exchange purchased during the Xth second foreign exchange purchase period in the second set period.
  • An embodiment of the present invention provides a computing device, including at least one processing unit and at least one storage unit, wherein the storage unit stores a computer program, and when the program is executed by the processing unit, the processing unit Steps of the method of performing foreign exchange purchase transactions.
  • FIG. 4 it is a schematic diagram of the hardware structure of a computing device according to an embodiment of the present invention.
  • the computing device may specifically be a desktop computer, a portable computer, a smart phone, a tablet computer, and so on.
  • the computing device may include a memory 401, a processor 402, and a computer program stored on the memory.
  • the processor 402 executes the program, the steps of any method for purchasing foreign exchange transactions in the foregoing embodiments are implemented.
  • the memory 401 may include a read-only memory (ROM) and a random access memory (RAM), and provide the processor 402 with program instructions and data stored in the memory 401.
  • ROM read-only memory
  • RAM random access memory
  • the computing device described in the embodiment of the present invention may further include an input device 403 and an output device 404.
  • the input device 403 may include a keyboard, a mouse, a touch screen, etc .
  • the output device 404 may include a display device, such as a liquid crystal display (Liquid Crystal Display, LCD), a cathode ray tube (Cathode Ray Tube, CRT), a touch screen, etc.
  • the memory 401, the processor 402, the input device 403, and the output device 404 may be connected through a bus or in other ways. In FIG. 4, connection through a bus is used as an example.
  • the processor 402 calls the program instructions stored in the memory 401 and executes the foreign exchange purchase method provided in the foregoing embodiment according to the obtained program instructions.
  • An embodiment of the present invention also provides a computer-readable storage medium that stores a computer program that can be executed by a computing device, and when the program is run on the computing device, causes the computing device to perform a method for identifying a mammography target A step of.
  • These computer program instructions can be provided to the processor of a general-purpose computer, special-purpose computer, embedded processing machine, or other programmable data processing device to produce a machine that enables the generation of instructions executed by the processor of the computer or other programmable data processing device
  • These computer program instructions may also be stored in a computer-readable memory that can guide a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture including an instruction device, the instructions The device implements the functions specified in one block or multiple blocks of the flowchart one flow or multiple flows and / or block diagrams.
  • These computer program instructions can also be loaded onto a computer or other programmable data processing device, so that a series of operating steps are performed on the computer or other programmable device to produce computer-implemented processing, which is executed on the computer or other programmable device
  • the instructions provide steps for implementing the functions specified in one block or multiple blocks of the flowchart one flow or multiple flows and / or block diagrams.

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Abstract

本发明公开了一种购汇交易方法及装置，所述方法包括：根据历史交易数据，预测第一设定期限的预测购汇总量；在所述第一设定期限的汇率稳定期内，根据所述预测购汇总量，发起购汇交易请求；所述购汇交易请求用于按照所述汇率稳定期内的汇率购买所述预测购汇总量的外汇；在所述第一预定期限结束后，获取所述第一预定期限内的实际购汇总量；根据所述实际购汇总量及所述预测购汇总量进行交易清算。

Description

一种购汇交易方法及装置
相关申请的交叉引用
本申请要求在2018年11月06日提交中国专利局、申请号为201811314406.1、申请名称为“一种购汇交易方法及装置”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本发明涉及电子商务领域，尤其涉及一种购汇交易方法及装置。
背景技术
目前，跨境交易结算的方式，主要为通过跨境交易结算平台将每日的清算数据清算后，由财务人员在各购汇行购买外汇的方式对境外收单机构或商户的款项支付结算。
由于现有的跨境交易结算的方式周期较长，导致持卡人提交交易请求时的汇率，与财务人员在进行支付结算时通过人工或者联网等渠道获取银行汇率报价可能存在较大差异，进而可能存在大量资金损失的风险。
发明内容
本发明实施例提供一种购汇交易方法及装置，用以降低汇兑风险，提高汇兑的准确性和汇兑效率。
本发明实施例提供一种购汇交易方法，包括：
根据历史交易数据，预测第一设定期限的预测购汇总量；
在所述第一设定期限的汇率稳定期内，根据所述预测购汇总量，发起购汇交易请求；所述购汇交易请求用于按照所述汇率稳定期内的汇率购买所述预测购汇总量的外汇；
在所述第一预定期限结束后，获取所述第一预定期限内的实际购汇总量；
根据所述实际购汇总量及所述预测购汇总量进行交易清算。
一种可能的实现方式，所述根据历史交易数据，预测第一设定期限的预测购汇总量，包括：
所述第一设定期限为设定日的设定时段；每个购汇周期包括K个不同的设定日；
从所述历史交易数据中获取所述第一设定期限之前的N个购汇周期中每个购汇周期的所述第一设定期限的N个实际购汇总量；
从所述历史交易数据中获取所述第一设定期限之前的最近一个购汇周期中M个不同设定日在所述第一设定期限的设定时段的M个实际购汇总量；
根据所述N个实际购汇总量的第一平均值、所述M个实际购汇总量的第二平均值、所述N个实际购汇总量中K个实际购汇总量，确定所述预测购汇总量；N、M、K为正整数。
一种可能的实现方式，所述预测购汇总量表示为：
Y＝A*X1+B*X2+C*X3+D*X4
其中，Y为所述第一设定期限的预测购汇总量；
X1为所述第一平均值；
X2为所述预测时间之前的1个追溯周期内的K个所述第一设定期限的实际购汇总量的第二均值；
X3和X4为所述1个追溯周期内2个所述第一设定期限的实际购汇总量；A、B、C、D为设定参数，相加之和等于1。
一种可能的实现方式，所述在所述第一设定期限的汇率稳定期内，根据所述预测购汇总量，发起购汇交易请求，包括：
根据汇率更新的时间将所述设定期限切分为多个第一购汇时段；
将所述第一设定期限的预测购汇总量按照所述多个第一购汇时段进行切分，确定所述设定期限中每个第一购汇时段的预测购汇分量；
在所述设定期限中的所述第一购汇时段中的汇率稳定期内，发起购汇交易请求。
一种可能的实现方式，所述将所述第一设期限的预测购汇总量按照所述多个第一购汇时段进行切分，确定所述第一设定期限中每个第一购汇时段的预测购汇分量，包括：
根据预测时间之前的1个追溯周期在所述第一设定期限的实际购汇总量，确定1个追溯周期内在所述第一设定期限的多个第一购汇时段的第一实际购汇分量；
获取所述第一设定期限之前的第L购汇周期中所述第一设定期限的第一实际购汇总量；
根据所述多个第一购汇时段，确定所述第一实际购汇总量在所述多个第一购汇时段的多个第一实际购汇分量；
获取第二设定期限的第二实际购汇总量；所述第二设定期限与所述第一设定期限的时间长度相同且位于所述第一设定期限之前最近的设定期限；
根据所述多个第一购汇时段，确定所述第二实际购汇总量在所述多个第一购汇时段的多个第二实际购汇分量；
获取所述第L购汇周期中所述第二设定期限的第三实际购汇总量；
根据所述多个第一购汇时段，确定所述第三实际购汇总量在所述多个第一购汇时段的多个第三实际购汇分量；
根据所述多个第一购汇时段的多个第一实际购汇分量、所述多个第一购汇时段的多个第二实际购汇分量及所述多个第一购汇时段的多个第三实际购汇分量，确定每个第一购汇时段在所述多个购汇时段的占比；
根据每个第一购汇时段的占比和所述预测购汇总量，确定每个第一购汇时段的预测购汇分量。
一种可能的实现方式，所述预测购汇分量的计算公式为：
Ax＝A*PCx；
其中，A为所述第一设定期限的预测购汇总量；所述PCx表示预测购汇相对分量，用于表示所述第一设定期限中的第X个第一购汇时段的预测购汇分量占所述第一设定期限的预测购汇总量的比例；
所述预测购汇相对分量PCx计算公式为：
Figure PCTCN2019112872-appb-000001
其中，N≥x≥1；N为汇率更新时间点的个数；所述Px表示为第X个第一购汇时段中所述第二设定期限的实际购汇量，Hx表示所述预测时间之前的1个追溯周期在第一设定期限中在第X个第一购汇时段的实际购汇量；HPx表示所述预测时间之前的1个追溯周期在第一设定期限中在所述第二设定期限中第X个第二购汇时段的实际购汇量。
本发明实施例提供一种购汇交易装置，包括：
预测模块，用于根据历史交易数据，预测第一设定期限的预测购汇总量；
处理模块，用于在所述第一设定期限的汇率稳定期内，根据所述预测购汇总量，发起购汇交易请求；所述购汇交易请求用于按照所述汇率稳定期内的汇率购买所述预测购汇总量的外汇；在所述第一预定期限结束后，获取所述第一预定期限内的实际购汇总量；根据所述实际购汇总量及所述预测购汇总量进行交易清算。
一种可能的实现方式，所述预测模块具体用于：所述第一设定期限为设定日的设定时段；每个购汇周期包括K个不同的设定日；
从所述历史交易数据中获取所述第一设定期限之前的N个购汇周期中每个购汇周期的所述第一设定期限的N个实际购汇总量；从所述历史交易数据中获取所述第一设定期限之前的最近一个购汇周期中M个不同设定日在所述第一设定期限的设定时段的M个实际购汇总量；根据所述N个实际购汇总量的第一平均值、所述M个实际购汇总量的第二平均值、所述N个实际购汇总量中K个实际购汇总量，确定所述预测购汇总量；N、M、K为正整数。
一种可能的实现方式，所述预测购汇总量表示为：
Y＝A*X1+B*X2+C*X3+D*X4
其中，Y为所述第一设定期限的预测购汇总量；
X1为所述第一平均值；
X2为所述预测时间之前的1个追溯周期内的K个所述第一设定期限的实 际购汇总量的第二均值；
X3和X4为所述1个追溯周期内2个所述第一设定期限的实际购汇总量；A、B、C、D为设定参数，相加之和等于1。
一种可能的实现方式，所述处理模块，具体用于：
根据汇率更新的时间将所述设定期限切分为多个第一购汇时段；将所述第一设定期限的预测购汇总量按照所述多个第一购汇时段进行切分，确定所述设定期限中每个第一购汇时段的预测购汇分量；在所述设定期限中的所述第一购汇时段中的汇率稳定期内，发起购汇交易请求。
一种可能的实现方式，所述处理模块，具体用于：
根据预测时间之前的1个追溯周期在所述第一设定期限的实际购汇总量，确定1个追溯周期内在所述第一设定期限的多个第一购汇时段的第一实际购汇分量；获取所述第一设定期限之前的第L购汇周期中所述第一设定期限的第一实际购汇总量；根据所述多个第一购汇时段，确定所述第一实际购汇总量在所述多个第一购汇时段的多个第一实际购汇分量；获取第二设定期限的第二实际购汇总量；所述第二设定期限与所述第一设定期限的时间长度相同且位于所述第一设定期限之前最近的设定期限；根据所述多个第一购汇时段，确定所述第二实际购汇总量在所述多个第一购汇时段的多个第二实际购汇分量；获取所述第L购汇周期中所述第二设定期限的第三实际购汇总量；根据所述多个第一购汇时段，确定所述第三实际购汇总量在所述多个第一购汇时段的多个第三实际购汇分量；根据所述多个第一购汇时段的多个第一实际购汇分量、所述多个第一购汇时段的多个第二实际购汇分量及所述多个第一购汇时段的多个第三实际购汇分量，确定每个第一购汇时段在所述多个购汇时段的占比；根据每个第一购汇时段的占比和所述预测购汇总量，确定每个第一购汇时段的预测购汇分量。
一种可能的实现方式，所述预测购汇分量的计算公式为：
Ax＝A*PCx；
其中，A为所述第一设定期限的预测购汇总量；所述PCx表示预测购汇 相对分量，用于表示所述第一设定期限中的第X个第一购汇时段的预测购汇分量占所述第一设定期限的预测购汇总量的比例；
所述预测购汇相对分量PCx计算公式为：
Figure PCTCN2019112872-appb-000002
其中，N≥x≥1；N为汇率更新时间点的个数；所述Px表示为第X个第一购汇时段中所述第二设定期限的实际购汇量，Hx表示所述预测时间之前的1个追溯周期在第一设定期限中在第X个第一购汇时段的实际购汇量；HPx表示所述
预测时间之前的1个追溯周期在第一设定期限中在所述第二设定期限中第X个第二购汇时段的实际购汇量。
本发明实施例提供一种计算设备，包括至少一个处理单元以及至少一个存储单元，其中，所述存储单元存储有计算机程序，当所述程序被所述处理单元执行时，使得所述处理单元执行本发明实施例所述任一方法的步骤。
本发明实施例提供一种计算机可读存储介质，其存储有可由计算设备执行的计算机程序，当所述程序在所述计算设备上运行时，使得所述计算设备执行本发明实施例所述任一方法的步骤。
本发明实施例中，通过预测第一设定期限的购汇总量，并根据第一设定期限的汇率，在第一设定期限结束之前，提前发起购汇交易请求，并按照发起购汇交易请求的时间段查询汇率，提高汇率处理效率，满足一天分批多次购汇对汇率管理效率的要求。另外，由于提前发起购汇交易请求，规避了在第一设定期限结束后获取实际结算时，由于在第一设定期限过程中出现汇率更新，出现的汇兑损益，导致的大量资金损失风险。
附图说明
图1为本发明实施例中一种购汇交易方法流程图；
图2为本发明实施例中一种购汇交易方法流程图；
图3为本发明实施例中一种购汇交易装置的结构示意图；
图4为本发明实施例中一种购汇交易设备的结构示意图。
具体实施方式
现有技术中的购汇处理方式，主要为跨境交易结算平台将每日的清算数据计算结果传送给购汇管理系统，系统通过对交易头寸进行统计汇总后按照清算代理行对需要的外币资金数额进行计算。通过人工或者联网等渠道获取银行汇率报价。购汇计算为将需要的外币资金通过获得的汇率计算出所需的人民币。财务人员准备好充足的人民币资金后将购汇请求送往外币交易平台，完成购汇操作。若连续两日的汇率波动不大，使用这种购汇方式引起的汇兑损失风险不高。但是，近年来，诸如英国脱欧等各类国际事件触发的金融市场事件频发，由此引发的汇兑损益问题日益突出，曾经最多一天变动了5次，导致汇率波动对汇兑的损益影响大，尤其是面临重大国际事件引起的大幅汇率波动问题时，资金损失大。
基于上述问题，本发明实施例提供一种购汇交易方法，如图1所示，包括：
步骤101：根据历史交易数据，预测第一设定期限的预测购汇总量；
步骤102：在所述第一设定期限的汇率稳定期内，根据所述预测购汇总量，发起购汇交易请求；所述购汇交易请求用于按照所述汇率稳定期内的汇率购买所述预测购汇总量的外汇；
步骤103：在所述第一预定期限结束后，获取所述第一预定期限内的实际购汇总量；
步骤104：根据所述实际购汇总量及所述预测购汇总量进行交易清算。
需要说明的是，第一设定期限的实际购汇量可以为根据跨境结算平台的资金清算数据，并对资金数据按照划付粒度统计汇总后确定的。具体的，第一设定期限的粒度可以为一天，也可以为小时，在此不做限定。
本发明实施例中，通过预测第一设定期限的购汇总量，并根据第一设定 期限的汇率，在第一设定期限的汇率稳定期内，提前发起购汇交易请求，并按照发起购汇交易请求的时间段查询汇率，提高汇率处理效率，满足一天分批多次购汇对汇率管理效率的要求。另外，由于提前发起购汇交易请求，规避了在第一设定期限结束后获取实际结算时，由于在第一设定期限过程中出现汇率更新，出现的汇兑损益，导致的大量资金损失风险。
在一种具体的实施过程中，预测第一设定期限清算量的方法可以通过历史批次的发展轨迹预测第一设定期限的购汇总量。一种可能的实现方式，所述根据历史交易数据，预测第一设定期限的购汇总量，包括：
步骤一、从所述历史交易数据中获取所述第一设定期限之前的N个购汇周期中每个购汇周期的所述第一设定期限的N个实际购汇总量；
其中，所述第一设定期限为设定日的设定时段；每个购汇周期包括K个不同的设定日；
步骤二、从所述历史交易数据中获取所述第一设定期限之前的最近一个购汇周期中M个不同设定日在所述第一设定期限的设定时段的M个实际购汇总量；
步骤三、根据所述N个实际购汇总量的第一平均值、所述M个实际购汇总量的第二平均值、所述N个实际购汇总量中K个实际购汇总量，确定所述预测购汇总量；N、M、K为正整数。
本发明实施例中，可以采用趋势外推模型对清算量进行预测，预测过程通过选取历史数据，并对历史数据的分配权重进行规划，推测需要第一设定期限的购汇总量。以第一设定期限为当日的第一设定期限为例，一个追溯周期为至少一周，具体预测方法可以如下：
所述预测购汇总量表示为：
Y＝A*X1+B*X2+C*X3+D*X4
其中，Y为所述第一设定期限的预测购汇总量；
X1为所述第一平均值；
X2为所述预测时间之前的1个追溯周期内的K个所述第一设定期限的实 际购汇总量的第二均值；
X3和X4为所述1个追溯周期内2个所述第一设定期限的实际购汇总量；
A、B、C、D为设定参数，相加之和等于1。
举例来说，Y可以为T日第一设定期限(例如第一设定期限为上午9点至12点)预测购汇总量；X1可以为“T-7日第一设定期限实际购汇总量”，“T-14日第一设定期限实际购汇总量”及“T-21日第一设定期限实际购汇总量”的平均值；X2可以为(T-7日～T-1日第一设定期限的实际购汇总量)的日均值；X3可以为T-7日第一设定期限的实际购汇总量；X4可以为T-1日第一设定期限的实际购汇总量；A、B、C、D为比例参数，相加之和等于1。A、B、C、D可以使用全局参数，预测第一设定期限的购汇总量Y；进一步的，也可以按币种分别配置每个币种的第一设定期限的购汇总量Y，以提高预测购汇总量的准确性和灵活性。
当然，以上模型的确定方式仅为示例性的说明，可以根据具体需要确定追溯时间段以及各项的具体时间段及项数，以提高预测购汇总量的准确性。
本发明实施例中，通过接受跨境交易结算平台的清算资金数据，将资金数据按照清算代理行以及外币维度进行汇总，得到外币的购汇总量。
在实际应用中，汇率通常不会在一天更新非常频繁，以中行牌价为例，一般每天上午十点半后发布后变化基本较小。此时，可以按照更新时间确定第一设定期限，例如，将一天设定为一个第一设定期限，也可以将一天划分为2个设定期限，10点半之后的时间段作为第一设定期限，将10点半之后的时间段作为第二设定期限，分批进行交易清算。
但是如果碰到一些外界因素的影响，有时波动会比较大，曾经最多一天变动了5次。此时，可以不需要对设定期限进行进一步划分，本发明实施例中，为进一步降低由于汇率造成的汇兑损失，在步骤102中，可以包括通过以下方式实现：
步骤一、根据汇率更新的时间将所述第一设定期限切分为多个第一购汇时段；
步骤二、将所述第一设定期限的预测购汇总量按照所述多个第一购汇时段进行切分，确定所述设定期限中每个第一购汇时段的预测购汇分量；
步骤三、在所述设定期限中的所述第一购汇时段中的汇率稳定期内，发起购汇交易请求。
具体的，汇率稳定期可以根据汇率更新时间确定，例如，一种可能的实现方式，可以在所述第一设定期限中的购汇时段的时刻到达时，获取当前时间银行汇率报价，并按照确定的当前时刻的购汇分量及所述银行汇率报价，发起购汇交易请求。
通过预测第一设定期限的购汇总量，并按照汇率更新的时间对第一设定期限的时段进行切分，将第一设定期限的购汇总量切分为多个购汇分量，针对每个购汇分量在每个购汇时段生成购汇交易请求。规避了汇率波动造成的汇兑资金损失；相比现有技术在实际结算时进行购汇，极大的降低了资金损失风险。
需要说明的是，每个购汇交易请求中的汇率可以采用银企直连、网页爬虫等技术手段自动询价、比价，获取每个购汇时段中的实时最优汇率，进一步降低资金损失风险。
在一种具体的实施方式中，购汇量切分是将一个批次的购汇总量按照汇率的差异以及不同汇率占据的比例进行切分。对于同一个批次如果使用的是同一个汇率，则购汇总量无需拆分。例如，如果在同一个批次中汇率更新过一次，可以将一个批次的购汇总量切分成两个购汇时段，前一个购汇时段对应更新前的汇率，后一个购汇时段对应更新后的汇率。
举例来说，在正常的情况下汇率变动一般都较稳定，每天上午十点半后或者下午五点左右是可能发生变化的主要时间点。则可以将上午十点半及下午五点作为2个切分节点，将对应的批次进行切分。
一种可能的实现方式，所述将所述第一设定期限的购汇总量按照多个购汇时段进行切分，确定所述第一设定期限中每个购汇时段的购汇分量，包括：
步骤一、根据预测时间之前的1个追溯周期在所述第一设定期限的实际 购汇总量，确定1个追溯周期内在所述第一设定期限的多个第一购汇时段的第一实际购汇分量；
步骤二、获取所述第一设定期限之前的第L购汇周期中所述第一设定期限的第一实际购汇总量；
步骤三、根据所述多个第一购汇时段，确定所述第一实际购汇总量在所述多个第一购汇时段的多个第一实际购汇分量；
步骤四、获取第二设定期限的第二实际购汇总量；所述第二设定期限与所述第一设定期限的时间长度相同且位于所述第一设定期限之前最近的设定期限；
步骤五、根据所述多个第一购汇时段，确定所述第二实际购汇总量在所述多个第一购汇时段的多个第二实际购汇分量；
步骤六、获取所述第L购汇周期中所述第二设定期限的第三实际购汇总量；
步骤七、根据所述多个第一购汇时段，确定所述第三实际购汇总量在所述多个第一购汇时段的多个第三实际购汇分量；
步骤八、根据所述多个第一购汇时段的多个第一实际购汇分量、所述多个第一购汇时段的多个第二实际购汇分量及所述多个第一购汇时段的多个第三实际购汇分量，确定每个第一购汇时段在所述多个购汇时段的占比；
步骤九、根据每个第一购汇时段的占比和所述预测购汇总量，确定每个第一购汇时段的预测购汇分量。
需要说明的是，上述步骤不区分先后顺序，执行过程也可以同时执行，也可以顺序执行，在此不做限定。
根据所述至少一个追溯时间段所述第二批次的实际清算分量和所述至少一个追溯时间段在所述第一设定期限的实际清算分量，确定所述预测的第一设定期限中所述多个购汇时段的购汇分量。
举例来说，以一个追溯时间段为一周为例，第一设定期限为当日一个时间片为例，时间片是指一个批次的购汇总量所对应的交易发生时间，即一个 时间片内的交易在一个批次中划付。所述预测购汇分量的计算公式为：
Ax＝A*PCx；
其中，A为所述第一设定期限的预测购汇总量；所述PCx表示预测购汇相对分量，用于表示所述第一设定期限中的第X个第一购汇时段的预测购汇分量占所述第一设定期限的预测购汇总量的比例；
所述预测购汇相对分量PCx计算公式为：
Figure PCTCN2019112872-appb-000003
其中，N≥x≥1；N为汇率更新时间点的个数；所述Px表示为第X个第一购汇时段中所述第二设定期限的实际购汇量，Hx表示所述预测时间之前的1个追溯周期在第一设定期限中在第X个第一购汇时段的实际购汇量；HPx表示所述预测时间之前的1个追溯周期在第一设定期限中在所述第二设定期限中第X个第二购汇时段的实际购汇量。
举例来说，若TS为第一设定期限起始时间点，TF为第一设定期限结束时间点。Hx可以为上一周同星期TX-T(X+1)时段的实际购汇量，TX从TS开始，T(X+1)的最大值为TF。HPx可以为上一周同星期与TX-T(X+1)相同时间长度的第二设定期限的实际购汇量，TX从TS开始，T(X+1)的最大值为TF。
在一种具体的实施过程中，可以在指定时间点按照预测购汇分量发起购汇交易请求。
结合上述实施例，如果购汇总量为A，汇率更新点为1个节点，则购汇时段为2个时段，切分后的购汇分量分别为A1、A2。举例来说，若第一设定期限的起始时间点位10点，汇率更新的时间点为11点，第一设定期限的结束时间点为12点，则可以发起2次购汇交易请求。即10点钟将按照A1分量发起一次购汇交易请求，11点将按照A2分量发起一次购汇交易请求。两次购汇都可以在对应的购汇时段获取最新汇率报价。
其中，最新的汇率报价可以通过银企对接渠道以及公开网站公开牌价抓 取等多种方式获取各银行或清算代理行实时汇率报价，并对各银行或清算代理行的报价进行比较，最终选择价格最优的购汇银行发起购汇交易请求。这种获取汇率的方式保证了汇率的时效性，提高了实时购汇的效率。
在步骤104中，所述根据所述实际购汇总量及所述预测购汇总量进行交易清算，包括：
在所述第一设定期限结束后，获取所述第一设定期限的实际购汇量；
若确定所述实际购汇量小于或等于所述购汇交易请求的预测购汇总量，则根据所述实际购汇量对所述购汇交易请求的账户进行清算；
若确定所述实际购汇量大于所述购汇交易请求的预测购汇总量，则根据所述实际购汇量进行一次补购汇后，再对所述购汇交易请求的账户进行清算。
具体的，在第一设定期限结束或者新的批次开始后，获取第一设定期限的实际购汇量。若确定第一设定期限的实际购汇量小于或等于预测的购汇总量，即进行划付所需的外币充足，则可以直接进行划付，若有剩余，则剩余资金可以用于新的设定期限的划付。如果所述实际购汇量大于所述购汇交易请求的预测购汇总量，则可以先对外币缺口做一次补购汇，补充后外币资金充足再做划付。
本发明实施例中，通过接受跨境交易结算平台的清算资金数据，将资金数据按照清算代理行以及外币维度进行汇总，得到外币的购汇总量。结合购汇总量预测、根据更新的汇率对购汇总量切分为多个购汇分量在多个购汇时段发起购汇交易请求，每个购汇交易请求可以实时选择购汇银行购买外汇，购买的外汇资金在第一设定期限结束后根据实际购汇量最终划付给境外机构或商户，以提高购汇效率，减少汇兑损益带来的资金风险。
通过上述方法，还可以对预测模型中的参数进行调整，以提高模型预测购汇总量的准确性。
如图2所示，下面对各步骤的工作原理详细阐述如下。
步骤201:确定第一设定期限的预测购汇总量；
步骤202：根据第一设定期限是否存在汇率更新，将所述第一设定期限切 分为多个购汇时段；
步骤203：根据所述预测购汇总量和所述多个购汇时段，确定所述第一设定期限中每个购汇时段的预测购汇分量；
步骤204：在所述第一设定期限中的购汇时段的时刻到达时，获取当前时间银行汇率报价，并按照确定的当前时刻的预测购汇分量及所述银行汇率报价，发起购汇交易请求；
步骤205：在所述第一设定期限时间结束后，获取所述第一设定期限的实际购汇量；
步骤206：若确定所述实际购汇量小于或等于所述购汇交易请求的预测购汇总量，则执行步骤207；否则，执行步骤208；
步骤207：根据所述实际购汇量对所述购汇交易请求的账户进行划付；
步骤208：根据所述实际购汇量进行一次补购汇后，再对所述购汇交易请求的账户进行划付。
下面以一个具体的例子示例性的说明购汇交易的流程。例如，2018年9月11号上午9点到12点需要做一次资金结算。并确定11点整对汇率做一次更新。在9点前，可以根据交易量预测算法对9点到12点的美元的总体交易量做出预测：
Y＝A*X1+B*X2+C*X3+D*X4
(假设A、B、C、D的取值均为0.25，X1＝1.0亿，X2＝1.1亿，X3＝1.3亿，X4＝1.4亿)计算得到预测的美元的购汇总量为1.2亿。
预测好购汇总量后，以11点为时间节点对第一设定期限的购汇总量进行切分，确定2个购汇时段，该时间段只更新一次汇率,需要切分成两段，即N＝2。切分的比例依据切分算法进行计算。第二批次，即6点到9点的，以8点为切割点，前后两段的交易量比例为2：1。上周同期的第一设定期限，即9月4号9点到12点的，以11点为切割点，前后两段的交易量比例为3：1。上周同期第二批次，即9月4号6点到9点的，以8点为切割点，前后两段的交易量比例为2：1。
根据
Figure PCTCN2019112872-appb-000004
计算得到9月11号9点到12点时间片应切分为两段，且比例分别为：
PC1＝2/3,PC2＝1/3
计算得到两个购汇分量，分别为A1＝1.2*2/3＝0.8亿，A2＝1.2*1/3＝0.4亿
最终，购汇人员需要在9点整购买0.8亿美元，在11点整购买0.4亿美元。
若在12点确定实际购汇量为1.2亿美元，相对现有技术，在12点根据12点的汇率购买1.2亿美元的方式。本发明实施例中的方案，减少了在9点整购买的0.8亿美元的汇率差异，降低了汇兑交易的资金损失的风险。
基于相同的技术构思，本发明实施例还提供一种购汇交易装置，如图3所示，包括：
预测模块301，用于根据历史交易数据，预测第一设定期限的预测购汇总量；
处理模块302，用于在所述第一设定期限的汇率稳定期内，根据所述预测购汇总量，发起购汇交易请求；所述购汇交易请求用于按照所述汇率稳定期内的汇率购买所述预测购汇总量的外汇；在所述第一预定期限结束后，获取所述第一预定期限内的实际购汇总量；根据所述实际购汇总量及所述预测购汇总量进行交易清算。
一种可能的实现方式，所述预测模块301具体用于：所述第一设定期限为设定日的设定时段；每个购汇周期包括K个不同的设定日；
从所述历史交易数据中获取所述第一设定期限之前的N个购汇周期中每个购汇周期的所述第一设定期限的N个实际购汇总量；从所述历史交易数据中获取所述第一设定期限之前的最近一个购汇周期中M个不同设定日在所述第一设定期限的设定时段的M个实际购汇总量；根据所述N个实际购汇总量的第一平均值、所述M个实际购汇总量的第二平均值、所述N个实际购汇总量中K个实际购汇总量，确定所述预测购汇总量；N、M、K为正整数。
一种可能的实现方式，所述预测购汇总量表示为：
Y＝A*X1+B*X2+C*X3+D*X4
其中，Y为所述第一设定期限的预测购汇总量；
X1为所述第一平均值；
X2为所述预测时间之前的1个追溯周期内的K个所述第一设定期限的实际购汇总量的第二均值；
X3和X4为所述1个追溯周期内2个所述第一设定期限的实际购汇总量；A、B、C、D为设定参数，相加之和等于1。
一种可能的实现方式，所述处理模块302，具体用于：
根据汇率更新的时间将所述设定期限切分为多个第一购汇时段；将所述第一设定期限的预测购汇总量按照所述多个第一购汇时段进行切分，确定所述设定期限中每个第一购汇时段的预测购汇分量；在所述设定期限中的所述第一购汇时段中的汇率稳定期内，发起购汇交易请求。
一种可能的实现方式，所述处理模块，具体用于：
根据预测时间之前的1个追溯周期在所述第一设定期限的实际购汇总量，确定1个追溯周期内在所述第一设定期限的多个第一购汇时段的第一实际购汇分量；获取所述第一设定期限之前的第L购汇周期中所述第一设定期限的第一实际购汇总量；根据所述多个第一购汇时段，确定所述第一实际购汇总量在所述多个第一购汇时段的多个第一实际购汇分量；获取第二设定期限的第二实际购汇总量；所述第二设定期限与所述第一设定期限的时间长度相同且位于所述第一设定期限之前最近的设定期限；根据所述多个第一购汇时段，确定所述第二实际购汇总量在所述多个第一购汇时段的多个第二实际购汇分量；获取所述第L购汇周期中所述第二设定期限的第三实际购汇总量；根据所述多个第一购汇时段，确定所述第三实际购汇总量在所述多个第一购汇时段的多个第三实际购汇分量；根据所述多个第一购汇时段的多个第一实际购汇分量、所述多个第一购汇时段的多个第二实际购汇分量及所述多个第一购汇时段的多个第三实际购汇分量，确定每个第一购汇时段在所述多个购汇时 段的占比；根据每个第一购汇时段的占比和所述预测购汇总量，确定每个第一购汇时段的预测购汇分量。
一种可能的实现方式，所述预测购汇分量的计算公式为：
Ax＝A*PCx；
其中，A为所述第一设定期限的预测购汇总量；所述PCx表示预测购汇相对分量，用于表示所述第一设定期限中的第X个第一购汇时段的预测购汇分量占所述第一设定期限的预测购汇总量的比例；
所述预测购汇相对分量PCx计算公式为：
Figure PCTCN2019112872-appb-000005
其中，N≥x≥1；N为汇率更新时间点的个数；所述Px表示为第X个第一购汇时段中所述第二设定期限的实际购汇量，Hx表示所述预测时间之前的1个追溯周期在第一设定期限中在第X个第一购汇时段的实际购汇量；HPx表示所述预测时间之前的1个追溯周期在第一设定期限中在所述第二设定期限中第X个第二购汇时段的实际购汇量。
本发明实施例提供了一种计算设备，包括至少一个处理单元以及至少一个存储单元，其中，所述存储单元存储有计算机程序，当所述程序被所述处理单元执行时，使得所述处理单元执行购汇交易的方法的步骤。如图4所示，为本发明实施例中所述的计算设备的硬件结构示意图，该计算设备具体可以为台式计算机、便携式计算机、智能手机、平板电脑等。具体地，该计算设备可以包括存储器401、处理器402及存储在存储器上的计算机程序，所述处理器402执行所述程序时实现上述实施例中的任一购汇交易的方法的步骤。其中，存储器401可以包括只读存储器(ROM)和随机存取存储器(RAM)，并向处理器402提供存储器401中存储的程序指令和数据。
进一步地，本发明实施例中所述的计算设备还可以包括输入装置403以及输出装置404等。输入装置403可以包括键盘、鼠标、触摸屏等；输出装置404可以包括显示设备，如液晶显示器(Liquid Crystal Display，LCD)、 阴极射线管(Cathode Ray Tube，CRT)，触摸屏等。存储器401，处理器402、输入装置403和输出装置404可以通过总线或者其他方式连接，图4中以通过总线连接为例。处理器402调用存储器401存储的程序指令并按照获得的程序指令执行上述实施例提供的购汇交易的方法。
本发明实施例还提供了一种计算机可读存储介质，其存储有可由计算设备执行的计算机程序，当所述程序在计算设备上运行时，使得所述计算设备执行乳腺钼靶影像识别的方法的步骤。
本发明是参照根据本发明实施例的方法、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品，该指令装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。
尽管已描述了本发明的优选实施例，但本领域内的技术人员一旦得知了基本创造性概念，则可对这些实施例作出另外的变更和修改。所以，所附权利要求意欲解释为包括优选实施例以及落入本发明范围的所有变更和修改。
显然，本领域的技术人员可以对本发明进行各种改动和变型而不脱离本 发明的精神和范围。这样，倘若本发明的这些修改和变型属于本发明权利要求及其等同技术的范围之内，则本发明也意图包含这些改动和变型在内。

Claims (14)

  1. 一种购汇交易方法，其特征在于，包括：
    根据历史交易数据，预测第一设定期限的预测购汇总量；
    在所述第一设定期限的汇率稳定期内，根据所述预测购汇总量，发起购汇交易请求；所述购汇交易请求用于按照所述汇率稳定期内的汇率购买所述预测购汇总量的外汇；
    在所述第一预定期限结束后，获取所述第一预定期限内的实际购汇总量；
    根据所述实际购汇总量及所述预测购汇总量进行交易清算。
  2. 如权利要求1所述的方法，其特征在于，所述根据历史交易数据，预测第一设定期限的预测购汇总量，包括：
    所述第一设定期限为设定日的设定时段；每个购汇周期包括K个不同的设定日；
    从所述历史交易数据中获取所述第一设定期限之前的N个购汇周期中每个购汇周期的所述第一设定期限的N个实际购汇总量；
    从所述历史交易数据中获取所述第一设定期限之前的最近一个购汇周期中M个不同设定日在所述第一设定期限的设定时段的M个实际购汇总量；
    根据所述N个实际购汇总量的第一平均值、所述M个实际购汇总量的第二平均值、所述N个实际购汇总量中K个实际购汇总量，确定所述预测购汇总量；N、M、K为正整数。
  3. 如权利要求2所述的方法，其特征在于，所述预测购汇总量表示为：
    Y＝A*X1+B*X2+C*X3+D*X4
    其中，Y为所述第一设定期限的预测购汇总量；
    X1为所述第一平均值；
    X2为所述预测时间之前的1个追溯周期内的K个所述第一设定期限的实际购汇总量的第二均值；
    X3和X4为所述1个追溯周期内2个所述第一设定期限的实际购汇总量； A、B、C、D为设定参数，相加之和等于1。
  4. 如权利要求1所述的方法，其特征在于，所述在所述第一设定期限的汇率稳定期内，根据所述预测购汇总量，发起购汇交易请求，包括：
    根据汇率更新的时间将所述设定期限切分为多个第一购汇时段；
    将所述第一设定期限的预测购汇总量按照所述多个第一购汇时段进行切分，确定所述设定期限中每个第一购汇时段的预测购汇分量；
    在所述设定期限中的所述第一购汇时段中的汇率稳定期内，发起购汇交易请求。
  5. 如权利要求1所述的方法，其特征在于，所述将所述第一设期限的预测购汇总量按照所述多个第一购汇时段进行切分，确定所述第一设定期限中每个第一购汇时段的预测购汇分量，包括：
    根据预测时间之前的1个追溯周期在所述第一设定期限的实际购汇总量，确定1个追溯周期内在所述第一设定期限的多个第一购汇时段的第一实际购汇分量；
    获取所述第一设定期限之前的第L购汇周期中所述第一设定期限的第一实际购汇总量；
    根据所述多个第一购汇时段，确定所述第一实际购汇总量在所述多个第一购汇时段的多个第一实际购汇分量；
    获取第二设定期限的第二实际购汇总量；所述第二设定期限与所述第一设定期限的时间长度相同且位于所述第一设定期限之前最近的设定期限；
    根据所述多个第一购汇时段，确定所述第二实际购汇总量在所述多个第一购汇时段的多个第二实际购汇分量；
    获取所述第L购汇周期中所述第二设定期限的第三实际购汇总量；
    根据所述多个第一购汇时段，确定所述第三实际购汇总量在所述多个第一购汇时段的多个第三实际购汇分量；
    根据所述多个第一购汇时段的多个第一实际购汇分量、所述多个第一购汇时段的多个第二实际购汇分量及所述多个第一购汇时段的多个第三实际购 汇分量，确定每个第一购汇时段在所述多个购汇时段的占比；
    根据每个第一购汇时段的占比和所述预测购汇总量，确定每个第一购汇时段的预测购汇分量。
  6. 如权利要求5所述的方法，其特征在于，所述预测购汇分量的计算公式为：
    Ax＝A*PCx；
    其中，A为所述第一设定期限的预测购汇总量；所述PCx表示预测购汇相对分量，用于表示所述第一设定期限中的第X个第一购汇时段的预测购汇分量占所述第一设定期限的预测购汇总量的比例；
    所述预测购汇相对分量PCx计算公式为：
    Figure PCTCN2019112872-appb-100001
    其中，N≥x≥1；N为汇率更新时间点的个数；所述Px表示为第X个第一购汇时段中所述第二设定期限的实际购汇量，Hx表示所述预测时间之前的1个追溯周期在第一设定期限中在第X个第一购汇时段的实际购汇量；HPx表示所述预测时间之前的1个追溯周期在第一设定期限中在所述第二设定期限中第X个第二购汇时段的实际购汇量。
  7. 一种购汇交易装置，其特征在于，包括：
    预测模块，用于根据历史交易数据，预测第一设定期限的预测购汇总量；
    处理模块，用于在所述第一设定期限的汇率稳定期内，根据所述预测购汇总量，发起购汇交易请求；所述购汇交易请求用于按照所述汇率稳定期内的汇率购买所述预测购汇总量的外汇；在所述第一预定期限结束后，获取所述第一预定期限内的实际购汇总量；根据所述实际购汇总量及所述预测购汇总量进行交易清算。
  8. 如权利要求7所述的装置，其特征在于，所述预测模块具体用于：所述第一设定期限为设定日的设定时段；每个购汇周期包括K个不同的设定日；
    从所述历史交易数据中获取所述第一设定期限之前的N个购汇周期中每 个购汇周期的所述第一设定期限的N个实际购汇总量；从所述历史交易数据中获取所述第一设定期限之前的最近一个购汇周期中M个不同设定日在所述第一设定期限的设定时段的M个实际购汇总量；根据所述N个实际购汇总量的第一平均值、所述M个实际购汇总量的第二平均值、所述N个实际购汇总量中K个实际购汇总量，确定所述预测购汇总量；N、M、K为正整数。
  9. 如权利要求8所述的装置，其特征在于，所述预测购汇总量表示为：
    Y＝A*X1+B*X2+C*X3+D*X4
    其中，Y为所述第一设定期限的预测购汇总量；
    X1为所述第一平均值；
    X2为所述预测时间之前的1个追溯周期内的K个所述第一设定期限的实际购汇总量的第二均值；
    X3和X4为所述1个追溯周期内2个所述第一设定期限的实际购汇总量；A、B、C、D为设定参数，相加之和等于1。
  10. 如权利要求7所述的装置，其特征在于，所述处理模块，具体用于：
    根据汇率更新的时间将所述设定期限切分为多个第一购汇时段；将所述第一设定期限的预测购汇总量按照所述多个第一购汇时段进行切分，确定所述设定期限中每个第一购汇时段的预测购汇分量；在所述设定期限中的所述第一购汇时段中的汇率稳定期内，发起购汇交易请求。
  11. 如权利要求7所述的装置，其特征在于，所述处理模块，具体用于：
    根据预测时间之前的1个追溯周期在所述第一设定期限的实际购汇总量，确定1个追溯周期内在所述第一设定期限的多个第一购汇时段的第一实际购汇分量；获取所述第一设定期限之前的第L购汇周期中所述第一设定期限的第一实际购汇总量；根据所述多个第一购汇时段，确定所述第一实际购汇总量在所述多个第一购汇时段的多个第一实际购汇分量；获取第二设定期限的第二实际购汇总量；所述第二设定期限与所述第一设定期限的时间长度相同且位于所述第一设定期限之前最近的设定期限；根据所述多个第一购汇时段，确定所述第二实际购汇总量在所述多个第一购汇时段的多个第二实际购汇分 量；获取所述第L购汇周期中所述第二设定期限的第三实际购汇总量；根据所述多个第一购汇时段，确定所述第三实际购汇总量在所述多个第一购汇时段的多个第三实际购汇分量；根据所述多个第一购汇时段的多个第一实际购汇分量、所述多个第一购汇时段的多个第二实际购汇分量及所述多个第一购汇时段的多个第三实际购汇分量，确定每个第一购汇时段在所述多个购汇时段的占比；根据每个第一购汇时段的占比和所述预测购汇总量，确定每个第一购汇时段的预测购汇分量。
  12. 如权利要求11所述的装置，其特征在于，所述预测购汇分量的计算公式为：
    Ax＝A*PCx；
    其中，A为所述第一设定期限的预测购汇总量；所述PCx表示预测购汇相对分量，用于表示所述第一设定期限中的第X个第一购汇时段的预测购汇分量占所述第一设定期限的预测购汇总量的比例；
    所述预测购汇相对分量PCx计算公式为：
    Figure PCTCN2019112872-appb-100002
    其中，N≥x≥1；N为汇率更新时间点的个数；所述Px表示为第X个第一购汇时段中所述第二设定期限的实际购汇量，Hx表示所述预测时间之前的1个追溯周期在第一设定期限中在第X个第一购汇时段的实际购汇量；HPx表示所述预测时间之前的1个追溯周期在第一设定期限中在所述第二设定期限中第X个第二购汇时段的实际购汇量。
  13. 一种计算设备，其特征在于，包括至少一个处理单元以及至少一个存储单元，其中，所述存储单元存储有计算机程序，当所述程序被所述处理单元执行时，使得所述处理单元执行权利要求1～6任一权利要求所述方法的步骤。
  14. 一种计算机可读存储介质，其特征在于，其存储有可由计算设备执行的计算机程序，当所述程序在所述计算设备上运行时，使得所述计算设备 执行权利要求1～6任一所述方法的步骤。
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