WO2021184784A1 - 数据资源处理方法、装置、计算机存储介质及电子设备 - Google Patents

数据资源处理方法、装置、计算机存储介质及电子设备 Download PDF

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WO2021184784A1
WO2021184784A1 PCT/CN2020/128289 CN2020128289W WO2021184784A1 WO 2021184784 A1 WO2021184784 A1 WO 2021184784A1 CN 2020128289 W CN2020128289 W CN 2020128289W WO 2021184784 A1 WO2021184784 A1 WO 2021184784A1
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data resource
account
type
amount
original data
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PCT/CN2020/128289
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English (en)
French (fr)
Inventor
郭会东
谢东东
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腾讯科技（深圳）有限公司
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Publication of WO2021184784A1 publication Critical patent/WO2021184784A1/zh
Priority to US17/711,655 priority Critical patent/US11941614B2/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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
    • G06Q40/12—Accounting
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q2220/00—Business processing using cryptography

Definitions

  • This application relates to the field of computer technology, and in particular to a data resource processing method, device, computer storage medium, and electronic equipment.
  • Foreign currency is the currency that the monetary administration (central bank, currency management agency, foreign exchange stabilization fund, and Ministry of Finance) maintains in the form of bank deposits, Ministry of Finance treasury bills, long-term and short-term government securities, etc., which can be used in the event of a balance of payments deficit Used claims.
  • Foreign exchange can include foreign currency, foreign currency deposits, foreign currency securities (government bonds, treasury bills, corporate bonds, stocks, etc.) and foreign currency payment vouchers (bills, bank deposit certificates, postal savings certificates, etc.).
  • the same user object may have multiple types (at least two types) of data resource (such as foreign exchange) accounts.
  • data resource such as foreign exchange
  • Related technologies cannot help users quickly and easily complete resource transfer. Service.
  • the embodiments of the present application provide a data resource processing method, device, computer storage medium, and electronic equipment, which can quickly and accurately respond to a data resource transfer request from a target service object.
  • the embodiment of the application provides a data resource processing method, including: receiving a data resource transfer request from a target service object, the data resource transfer request including the target data resource type, the original data resource type, and the target data resource transfer amount;
  • the target data resource transfer amount determines the original data resource transfer amount;
  • the data resource transfer request is sent to the target service provider;
  • the response information in response to the data resource transfer request is obtained from the target service provider, so
  • the response information includes the actual deduction amount of the original data resource type; according to the target data resource transfer amount and the actual deduction amount, the original data resource type's equity amount is obtained; according to the equity amount and the actual deduction amount;
  • the transfer amount of the original data resources, the actual deduction amount, and the transfer amount of the target data resources, the first type system account of the target service object, the second type system account of the target service provider, and the system equity account The amount transferred between.
  • An embodiment of the application also provides a data resource processing device, including: a transfer request receiving unit configured to receive a data resource transfer request from a target service object, the data resource transfer request including a target data resource type and an original data resource type And the target data resource transfer amount; the original amount determining unit is configured to determine the original data resource transfer amount according to the target data resource transfer amount; the transfer request sending unit is configured to send the data resource transfer request to the target service provider
  • the response information obtaining unit is configured to obtain response information in response to the data resource transfer request, the response information including the actual deduction amount of the original data resource type;
  • the equity amount obtaining unit is configured to be based on the target data
  • the amount of resource transfer and the actual deduction amount is used to obtain the amount of equity of the original data resource type; the account amount transfer unit is configured to be based on the amount of equity, the amount of original data resource transfer, the actual deduction amount and
  • the target data resource transfer amount is transferred between the first type system account of the target service object, the second type system account of the target service provider,
  • An embodiment of the present application also provides a computer storage medium on which a computer program is stored, and when the program is executed by a processor, the data resource processing method as described in the foregoing embodiment is implemented.
  • An embodiment of the present application also provides an electronic device, including: one or more processors; a memory, configured to store one or more programs, when the one or more programs are executed by the one or more processors At this time, the one or more processors are caused to implement the data resource processing method described in the foregoing embodiment.
  • the system when the system receives a data resource transfer request from a target service object, the system can automatically follow the target data resource carried in the data resource transfer request
  • the transfer amount determines the original data resource transfer amount, and obtains the response information for the data resource transfer request, and determines the equity amount based on the original data resource transfer amount and the actual deduction amount carried in the response information.
  • the amount of the original data resource transfer, the actual deduction amount, and the target data resource transfer amount are transferred between various system accounts such as the target service object and the target service provider; in this way, the amount of calculation is small and the system is occupied With fewer resources and faster running speed, it can respond to data resource transfer requests from target service objects in a timely and accurate manner; on the other hand, users only need to submit data resource transfer requests with one click, and the system can automatically complete various system accounts.
  • the amount transfer between foreign exchanges can realize the automation and intelligence of foreign exchange services.
  • FIG. 1 is a schematic diagram of the system architecture of a data resource processing system provided by an embodiment of the application
  • FIG. 2 is a schematic structural diagram of a computer system of an electronic device provided by an embodiment of the application.
  • FIG. 3 is a flowchart of a data resource processing method provided by an embodiment of the application.
  • Figure 4 is a schematic diagram of a customer account system provided by an embodiment of the application.
  • Figure 5 is a schematic diagram of a bank account system provided by an embodiment of the application.
  • Fig. 6 is a schematic diagram of an intermediary account system for advanced funds provided by an embodiment of the application.
  • FIG. 7 is a schematic diagram of the equity account system provided by an embodiment of the application.
  • FIG. 8 is a flowchart of creating basic customer information provided by an embodiment of the application.
  • FIG. 9 is a flowchart of creating a customer balance account provided by an embodiment of the application.
  • Figure 10 is a flowchart of creating basic bank information provided by an embodiment of the application.
  • Figure 11 is a flowchart of creating a bank balance account provided by an embodiment of the application.
  • FIG. 12 is a flow chart of creating basic information of a premium middleman provided by an embodiment of the application.
  • FIG. 13 is a flowchart of creating a balance account of a premium middle account provided by an embodiment of the application.
  • FIG. 14 is a flowchart of creating basic information of an equity account provided by an embodiment of the application.
  • FIG. 15 is a flowchart of creating a balance account of an equity account provided by an embodiment of the application.
  • 16A is a schematic diagram of the flow of advance funds provided by an embodiment of the application.
  • FIG. 16B is a schematic diagram of a balance fund flow provided by an embodiment of the application.
  • Figure 17 is a flowchart of the initiation of foreign exchange purchases provided by an embodiment of the application.
  • FIG. 18 is a flowchart of the repatriation of purchase foreign exchange provided by an embodiment of the application.
  • Figure 19 is a schematic diagram of a client's foreign exchange purchase initiation fund flow provided by an embodiment of the application.
  • FIG. 20 is a schematic diagram of a physical capital flow provided by an embodiment of the application.
  • FIG. 21 is a schematic diagram of the system capital flow provided by an embodiment of the application.
  • FIG. 22 is a schematic diagram of the system software structure provided by an embodiment of the application.
  • FIG. 23 is a schematic diagram of the system hardware structure provided by an embodiment of the application.
  • FIG. 24 is a schematic structural diagram of a distributed system provided by an embodiment of the application applied to a blockchain system
  • FIG. 25 is a schematic diagram of the composition of a block structure provided by an embodiment of the application.
  • FIG. 26 is a block diagram of a data resource processing device provided by an embodiment of the application.
  • FIG. 1 shows a schematic diagram of a system architecture 100 of a data resource processing system to which embodiments of the present application can be applied.
  • the system architecture 100 may include one or more of terminal devices 101, 102, 103, a network 104 and a server 105.
  • the network 104 is used to provide a medium for communication links between the terminal devices 101, 102, 103 and the server 105.
  • the network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, and so on.
  • the numbers of terminal devices, networks, and servers in FIG. 1 are merely illustrative. There can be any number of terminal devices, networks, and servers according to implementation needs.
  • the server 105 can be a server cluster composed of multiple servers, a cloud server, etc.
  • the server includes but is not limited to any hardware device that can perform calculations, such as an independent physical server or multiple physical servers.
  • the formed server cluster or distributed system can also provide cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, and big data and artificial intelligence Cloud servers for basic cloud computing services such as platforms.
  • the user can use the terminal devices 101, 102, and 103 to interact with the server 105 through the network 104 to receive or send messages and so on.
  • the terminal devices 101, 102, 103 may be various electronic devices with display screens, including but not limited to smart phones, tablet computers, portable computers, wearable smart devices, smart home devices, desktop computers, and so on.
  • the server 105 may be a server that provides various services.
  • the server 105 may receive a data resource transfer request sent by the target service object through the terminal device 101 (or terminal devices 102, 103), and the data resource transfer request includes the target data resource type, the original data resource type, and the target data resource transfer Amount.
  • the server 105 may determine the original data resource transfer amount according to the target data resource transfer amount; send the data resource transfer request to the target service provider; obtain from the target service provider the information in response to the data resource transfer request Response information, the response information includes the actual deduction amount of the original data resource type; according to the target data resource transfer amount and the actual deduction amount, the equity amount of the original data resource type is obtained.
  • the server 105 may further perform the first-type system account of the target service object and the target service provider based on the amount of equity, the amount of transfer of original data resources, the actual deduction amount, and the amount of transfer of target data resources. The amount transfer between the second type of system account and the system equity account.
  • FIG. 2 is a schematic structural diagram of a computer system of an electronic device provided by an embodiment of the application.
  • the computer system 200 includes a central processing unit (Central Processing Unit, CPU) 201, which can be loaded into a random storage device according to a program stored in a read-only memory (Read-Only Memory, ROM) 202 or from a storage part 208. Access to the program in the memory (Random Access Memory, RAM) 203 to execute various appropriate actions and processing. In RAM 203, various programs and data required for system operation are also stored.
  • the CPU 201, the ROM 202, and the RAM 203 are connected to each other through a bus 204.
  • An input/output (I/O) interface 205 is also connected to the bus 204.
  • the following components are connected to the I/O interface 205: the input part 206 including keyboard, mouse, etc.; including the output part 207 such as cathode ray tube (Cathode Ray Tube, CRT), liquid crystal display (LCD), and speakers 207 A storage section 208 including a hard disk, etc.; and a communication section 209 including a network interface card such as a LAN card, a modem, and the like.
  • the communication section 209 performs communication processing via a network such as the Internet.
  • the driver 210 is also connected to the I/O interface 205 as needed.
  • a removable medium 211 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 210 as needed, so that the computer program read from it is installed into the storage section 208 as needed.
  • the process described below with reference to the flowchart can be implemented as a computer software program.
  • the embodiments of the present application include a computer program product, which includes a computer program carried on a computer storage medium, and the computer program includes program code for executing the method shown in the flowchart.
  • the computer program may be downloaded and installed from the network through the communication section 209, and/or installed from the removable medium 211.
  • the central processing unit (CPU) 201 various functions defined in the system of the present application are executed.
  • the computer storage medium shown in this application may be a computer readable signal medium or a computer storage medium or any combination of the two.
  • the computer storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or device, or a combination of any of the above.
  • Examples of computer storage media may include, but are not limited to: electrical connections with one or more wires, portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination of the above.
  • the computer storage medium may be any tangible medium that contains or stores a program, and the program may be used by or in combination with an instruction execution system, apparatus, or device.
  • a computer-readable signal medium may include a data signal propagated in a baseband or as a part of a carrier wave, and a computer-readable program code is carried therein. This propagated data signal can take many forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the foregoing.
  • the computer-readable signal medium may also be any computer storage medium other than the computer storage medium, and the computer storage medium may send, propagate, or transmit the program for use by or in combination with the instruction execution system, apparatus, or device.
  • the program code contained on the computer storage medium can be transmitted by any suitable medium, including but not limited to: wireless, wire, optical cable, radio frequency (RF), etc., or any suitable combination of the foregoing.
  • each block in the flowchart or block diagram may represent a module, program segment, or part of the code, and the above-mentioned module, program segment, or part of the code contains one or more for realizing the specified logic function.
  • Executable instructions may also occur in a different order from the order marked in the drawings. For example, two blocks shown one after another can actually be executed substantially in parallel, and they can sometimes be executed in the reverse order, depending on the functions involved.
  • each block in the block diagram or flowchart, and the combination of blocks in the block diagram or flowchart can be implemented by a dedicated hardware-based system that performs the specified functions or operations, or can be implemented by It is realized by a combination of dedicated hardware and computer instructions.
  • the units described in the embodiments of the present application may be implemented in software or hardware, and the described units may also be provided in a processor. Among them, the names of these units do not constitute a limitation on the unit itself under certain circumstances.
  • the embodiment of the present application also provides a computer storage medium.
  • the computer storage medium may be included in the electronic device described in the foregoing embodiment; or it may exist alone without being assembled into the electronic device.
  • the foregoing computer storage medium carries one or more programs, and when the foregoing one or more programs are executed by an electronic device, the electronic device implements the method described in the following embodiments.
  • the electronic device can implement the steps shown in FIG. 3 or FIG. 8 or FIG. 9 or FIG. 10 or FIG. 11 or FIG. 12 or FIG. 13 or FIG. 14 or FIG. 15 or FIG. 17 or FIG. 18.
  • Currency exchange refers to the process of changing account funds from a certain currency (such as RMB) to another (such as US dollars).
  • Payment of foreign exchange refers to a financial institution that has been approved to operate foreign exchange business, in accordance with the management regulations on foreign exchange sales and payment, after reviewing the prescribed valid vouchers and commercial documents provided by the foreign exchange use units and individuals, and then transfer funds from their foreign exchange accounts or The process of transferring the foreign exchange purchased to another overseas bank account.
  • the currency exchange platform is a system that provides customers with currency exchange services.
  • the following methods provided in the embodiments of this application can be implemented and executed by the currency exchange platform.
  • Customers are the objects served by the exchange platform. Therefore, in the embodiments of this application, they can also be referred to as "service objects", which can be internal business parties (such as cross-border acquirers or overseas games, etc.) or external merchants (such as Import and export trade service providers, etc.).
  • service objects can be internal business parties (such as cross-border acquirers or overseas games, etc.) or external merchants (such as Import and export trade service providers, etc.).
  • the customer's account balance represents the balance kept by the customer in the foreign exchange platform system, and represents the liabilities of the foreign exchange platform in accounting.
  • a channel which can also be referred to as a bank channel or a downstream channel, refers to a downstream service provider docked with a foreign exchange platform, and therefore can also be referred to as a "service provision object" in the embodiments of the present application.
  • the currency exchange platform acts as an agent for customers and submits exchange requests to downstream channels.
  • the channel is usually a bank (such as XX Bank), and it may also be a foreign exchange transaction service provider. In the following examples, banks are used as examples to illustrate, but this application is not actually limited to this.
  • the account balance of the channel represents the deposit balance kept by the foreign exchange platform as the main body in each downstream channel, and represents the assets of the foreign exchange platform in accounting.
  • Physical account, physical funds and physical capital flow respectively represent the account opened by the foreign exchange platform in the bank and the balance and balance change in the account.
  • System account, system fund, and system fund flow respectively represent the account recorded in the currency exchange platform system and the balance and balance change in the account.
  • bank accounts there is a one-to-one correspondence between the physical capital flow and the system capital flow.
  • the balance of the XX bank custody account on the exchange platform increases by 100 yuan
  • the balance of the XX bank account recorded in the system also increases by 100 yuan.
  • Base exchange rate A cost exchange rate estimated by the exchange platform when receiving a customer exchange request.
  • the exchange platform increases the price of the customer's exchange rate or charges additional fees.
  • Floating gains and losses are floating profits or losses due to the difference between the actual transaction price of downstream channels and the platform base price due to exchange rate fluctuations.
  • Advance funds When the customer's account balance on the exchange platform is insufficient, the exchange platform uses its own funds to conduct transactions for the customer. At this time, it is equivalent to a loan generated by the customer at the exchange platform.
  • Advance intermediary account A type of system account. When the customer's balance is insufficient and the advancement is needed, money is paid from the advance intermediary account and the customer's account is paid.
  • an embodiment of the present application proposes a data resource processing method.
  • the data resource processing method is applicable to the electronic device described in the foregoing embodiment.
  • the electronic device may be a terminal. Or a server, and may include step S310 to step S360:
  • step S310 the electronic device receives a data resource transfer request from the target service object.
  • the data resource transfer request includes the target data resource type, the original data resource type, and the target data resource transfer amount.
  • the target service object can be any customer, merchant, or user who has submitted a data resource transfer request. Compared with the internal system of the currency exchange platform provided in the embodiments of the present application, it can be considered as an external customer. External customers can initiate data resource transfer requests to the currency exchange platform through any electronic device such as a terminal device.
  • the data resource transfer request here takes an exchange request as an example for illustration, but this application is not limited to this.
  • the target data resource type here can be the currency type (referred to as “foreign currency") currently designated by the external customer to buy, and the original data resource type can be the current designated external customer
  • Another currency type used to purchase the foreign currency referred to as "local currency”
  • the target data resource transfer amount can be the amount designated by the external customer to buy the foreign currency, for example, the external customer designated to use the balance in the RMB account to buy 100 U.S. dollars
  • Renminbi is the domestic currency
  • the U.S. dollar is the foreign currency
  • 100 U.S. dollars is the target data resource transfer amount.
  • the currency exchange platform system mainly includes seven subsystems: customer login gateway subsystem, customer information subsystem, order transaction subsystem, balance account subsystem, Exchange rate management subsystem, financial approval subsystem, bank gateway subsystem.
  • the customer login gateway subsystem can provide multiple forms of access, including: Application Programming Interface (API) interface mode, web page login mode, etc., so as to satisfy The needs of different customers.
  • API Application Programming Interface
  • the API interface method can be provided to customers with certain technical capabilities.
  • the customer's system directly connects to the foreign exchange platform to realize foreign exchange transactions, realize the automation of the transaction process, and reduce the manpower input.
  • the web page login method can be provided to customers without technical development capabilities.
  • the customer’s financial or managerial personnel can log in to the exchange platform through the web page to realize foreign exchange transactions, and initiate transaction requests such as foreign exchange purchase requests or exchange requests.
  • the customer login gateway subsystem is a module provided by the foreign exchange platform system, which is mainly responsible for the following tasks: customer identity authentication, by calling the customer profile subsystem, the customer’s identity information, login information Authentication is performed to prevent unregistered users or illegal users from logging in to the subsystem; the acceptance and response of customer requests, by calling the transaction subsystem, accepts the customer’s foreign exchange purchase request or exchange request and other transaction requests, and returns the acceptance result.
  • the customer login gateway subsystem may also be responsible for the distribution and interception of network traffic.
  • the customer login gateway subsystem may also be responsible for the distribution and interception of network traffic.
  • large concurrent transaction requests can be diverted to different servers to reduce the load of the server; when the traffic is abnormal and exceeds the overall load of the system, the traffic is intercepted to avoid it. Enter the back-end subsystem and crush the entire system.
  • the currency exchange platform system as a whole may adopt a distributed structure, and the various subsystems mentioned above may be deployed on multiple servers.
  • the customer login gateway subsystem may be deployed on multiple customer login gateway servers.
  • Customer data subsystem, order transaction subsystem, balance account subsystem, exchange rate management subsystem and financial approval subsystem can also be deployed on multiple other subsystem servers, and bank gateway subsystem can also be deployed on multiple bank gateway servers , which can improve system performance and enhance system robustness.
  • the customer login gateway server adopts distributed deployment and multi-point access to provide customers with nearby access, divert customer requests, reduce server pressure, and at the same time increase the speed of responding to customers and reduce time delay.
  • external customers and external banks are related parties to the exchange platform and do not belong to the exchange platform system.
  • Figure 23 shows only two customer login gateway servers, three other subsystem servers, and two bank gateway servers, this is only for illustration purposes. In fact, customers log in to the gateway server, other The number of subsystem servers and bank gateway servers can be adjusted and deployed according to the situation, which is not limited in this application.
  • an external client can use an access device to access the currency exchange platform system to submit a currency exchange request.
  • the access device can include any electronic device such as a server, a personal computer, and a mobile phone.
  • the server can be used to access the currency exchange platform system through API interface, generally used for institutions with certain technical development capabilities; personal computers or mobile phones can be used to access the currency exchange platform system by web login mode, generally used for lack of technical development capabilities Business or individual.
  • the access device of an external client may be connected to the client of the foreign exchange platform system to log in to the gateway server through a wide area network or a dedicated line.
  • the WAN can be used for web page login.
  • the web front-end (installed on the access device) and the back-end server (including the customer's login gateway server) need to complete various security mechanisms for the exchange request sent by the customer.
  • Including information encryption mechanism, for example, HyperText Transfer Protocol (over SecureSocket Layer, https) technology can be used to encrypt the information in the exchange request and the response results returned to external customers to prevent information leakage ; Signature mechanism, through the negotiated signature key to sign the exchange request and response results to prevent tampering and denial.
  • information encryption mechanism for example, HyperText Transfer Protocol (over SecureSocket Layer, https) technology can be used to encrypt the information in the exchange request and the response results returned to external customers to prevent information leakage ;
  • Signature mechanism through the negotiated signature key to sign the exchange request and response results to prevent tampering and denial.
  • the API interface method may adopt a wide area network or a dedicated line access.
  • WAN you can use the same security mechanism as the web page login method; when using dedicated line access, you can use the following mechanism to enhance security: IP whitelist mechanism, when using dedicated line access, the client's access device IP is general It is fixed, which is equivalent to a customer's identity attribute feature. Therefore, the IP whitelist mechanism can be used.
  • the back-end server of the exchange platform system finds that the request sent by the customer is inconsistent with the IP whitelist bound to the customer, it will refuse Client's request; two-way authentication mechanism, through the way of certificates, both parties authenticate each other.
  • the backend server of the currency exchange platform system can purchase certificates from the trusted root certificate authority to prove their identity; client certificates can be generated by the currency exchange platform system and issued to customers to prove their identity.
  • the information encryption and signature mechanism of web page login mode can also be used to strengthen security.
  • the firewall can also be used to divide each server into an outside domain and an inside domain.
  • the servers outside the domain need to pass through the wall to connect to the servers in the domain.
  • the firewall is responsible for the detection and interception of the traffic passing through the wall, thereby improving the overall security of the system.
  • the customer login gateway subsystem and the bank gateway subsystem belong to the outside of the domain and are directly connected to the outside; other subsystems (customer information subsystem, transaction subsystem, order subsystem, balance account subsystem, etc.) belong to the domain.
  • subsystem modules such as customer information subsystem, transaction subsystem, order subsystem, balance account subsystem, etc. may be deployed on the intra-domain subsystem server.
  • Subsystems that have a large amount of visits and high CPU consumption can be deployed independently (that is, only this subsystem is deployed on a server).
  • Subsystems that have a small amount of visits and consume less resources can be deployed in a mixed manner (that is, multiple sub-systems are deployed on one server), thereby making better use of server resources and saving hardware costs.
  • step S320 determine the original data resource transfer amount according to the target data resource transfer amount.
  • determining the transfer amount of the original data resource according to the target data resource transfer amount may include: obtaining a benchmark index between the target data resource type and the original data resource type; The indicator generates the quotation indicator between the target data resource type and the original data resource type; determines the original data resource transfer amount according to the quotation indicator and the target data resource transfer amount; freezes the target service object The transfer amount of the original data resource in the first type system account of the original data resource type.
  • the benchmark index here can be the benchmark exchange rate, that is, to obtain the benchmark exchange rate between the local currency and the foreign currency, and then the exchange platform system can add points to the benchmark exchange rate.
  • the base exchange rate is 6.8, and the set points are added.
  • the quotation index provided to the customer also called the quotation exchange rate
  • the designated foreign currency purchase amount such as US$100
  • the original data resource transfer amount can be calculated to be 690 yuan. , Which is the amount payable by the customer in local currency. It can be realized by using the exchange rate management subsystem in Figure 22.
  • the exchange rate management subsystem is mainly responsible for the following tasks: through the bank interface, the reference exchange rate of each bank is obtained regularly, and after certain calculation rules (such as the average value and median of all banks) Calculate the base exchange rate of the exchange platform; when the customer sends a foreign exchange request, it is calculated based on the base exchange rate of the platform according to the markup rules configured by the system for the customer. Customer's quoted exchange rate; monitoring bank exchange rate abnormalities: through the exchange rate difference between different banks at the same time, and the exchange rate fluctuations of the same bank at different times, discover the abnormal situation of the bank's reference exchange rate, avoid the abnormal exchange rate entry system, and then affect the generation of the platform's benchmark exchange rate .
  • the price increase rule here can be to add points as described above, or to add a percentage.
  • it can be set to share the same fixed markup rule, or different markup rules can be configured according to different customers, for example, it can be configured by comprehensively considering the customer's credit rating and the total amount of historical exchanges.
  • the first type of system account may be a liability type account or account
  • the second type of system account corresponding thereto may be an asset type account or account.
  • the amount of domestic currency payable by the customer is determined, the amount of domestic currency payable by the customer in the customer's liability account corresponding to the domestic currency, such as RMB, can be frozen, for example, 690 yuan.
  • the transaction subsystem in Figure 22 is responsible for processing customer transaction requests such as exchange requests.
  • the processing process is as follows: After the transaction subsystem receives the exchange request sent by the customer, it calls the relevant interface of the exchange rate management subsystem to calculate the quoted exchange rate for the customer, and calculates the corresponding amount according to the amount of foreign currency purchased by the customer, that is, the amount of foreign currency purchased
  • the amount of local currency payable by customers is the amount of local currency deductions.
  • call the order subsystem to generate the order and call the balance account subsystem to freeze the local currency balance equal to the amount of local currency payable by the customer and the customer.
  • the quotation information (including the quotation exchange rate and the amount of local currency deduction) is returned to the customer. This process corresponds to the initiation stage of the purchase of foreign exchange.
  • the method before freezing the original data resource transfer amount in the first type of system account of the original data resource type of the target service object, the method may further include: obtaining all the information of the target service object. The remaining amount in the first type of system account of the original data resource type; if the remaining amount is less than the amount of the original data resource transfer, then the system middleman’s first type of system account of the original data resource The transfer amount of the original data resource is transferred to the first type system account of the original data resource type of the target service object.
  • the solution of the embodiment of this application can be used from the system provided by the foreign exchange platform system
  • the middle account (also called "advance middle account”) of the debt account corresponding to the local currency transfers money equal to the amount of the customer's local currency to the customer's debt account corresponding to the local currency.
  • the method may further include: transferring the original data resource transfer amount to the target service object's account from the second type of system account of the original data resource type of the system middleman In the second type of system account of the original data resource type.
  • obtaining the remaining amount in the first type system account of the original data resource type of the target service object may include: obtaining the external number of the target service object; searching according to the external number
  • the customer account association table of the target service object obtains the first type system account of the original data resource type of the target service object; the first type system account according to the original data resource type of the target service object , Look up the account balance table of the target service object, and obtain the remaining amount in the first type system account of the original data resource type of the target service object.
  • the balance account subsystem in FIG. 22 is responsible for recording the balance information of each account in the system (including the account balance table of each account) and turnover information.
  • the accounts may include all kinds of accounts mentioned in the embodiments of this application, including bank accounts, customer asset accounts, customer liability accounts, fixed income accounts, floating profit and loss accounts, and advanced middle accounts.
  • the method may further include: determining a current type, where the current type includes the target data resource type and the original data resource type; and querying the target service object's customers according to the current type Account association table; if the first type of system account and the second type of system account corresponding to the current type do not exist in the customer account association table, then the first type of system account and the second type of system account corresponding to the current type are generated Type system account; write the first type system account and the second type system account corresponding to the current type into the customer account association table.
  • the current type may include any currency of the customer account (including liability account and asset account) designated by the target service object to open the corresponding currency according to requirements. Please refer to the embodiment shown in FIG. 9 below.
  • the customer profile subsystem in Figure 22 can be responsible for basic functions such as customer registration and identity authentication, and maintain customer profile information (such as basic customer information) and customer account related information (such as customer account related tables).
  • customer information subsystem provides interfaces for customer information management, login authentication management, account registration, etc., for other subsystems.
  • it may further include: querying the account balance table of the target service object according to the current type; For the second type of system account, the first type of system account and the second type of system account corresponding to the current type are written into the account balance table.
  • it may further include: generating an external number of the target service object; generating an internal number of the target service object corresponding to the external number; writing the external number and the internal number The customer account association table of the target service object.
  • step S330 the data resource transfer request is sent to the target service provider.
  • step S340 the response information in response to the data resource transfer request is obtained from the target service provider, the response information including the actual deduction amount of the original data resource type.
  • the bank gateway subsystem is responsible for docking various bank channels, sending transaction subsystem requests such as data resource transfer requests to the bank, and returning the bank's response information to the transaction subsystem.
  • the transaction subsystem sends the customer's transaction order to the corresponding bank through the bank gateway subsystem, and the bank returns the result of the foreign exchange purchase as a response message to the foreign exchange platform system.
  • the returned response information can include the actual transaction exchange rate, The actual transaction amount (that is, the actual deduction amount) and other information.
  • the bank gateway subsystem shields the internal transaction subsystem from bank differences and provides a unified process, so that the internal transaction subsystem logic is clearer and more concise, which is convenient for system maintenance and upgrade.
  • the bank gateway subsystem may be deployed on the bank gateway server.
  • the server in the domain is connected to the bank gateway server outside the domain through the firewall, and the bank gateway server connects with the system of the external bank through a wide area network or a dedicated line.
  • a similar scheme in which the access device of the external client and the client log in to the gateway server can be adopted to ensure the security of the interaction between the two parties.
  • step S350 the amount of equity of the original data resource type is obtained according to the target data resource transfer amount and the actual deduction amount.
  • the equity amount may include fixed income and floating profit and loss.
  • obtaining the amount of equity of the original data resource type according to the target data resource transfer amount and the actual deduction amount may include: obtaining a quote amount according to the target data resource transfer amount and the quote index; Obtain a benchmark amount according to the target data resource transfer amount and the benchmark index; obtain the fixed income of the original data resource type according to the quotation amount and the benchmark amount; obtain the fixed income of the original data resource type according to the actual deduction amount and the The benchmark amount is to obtain the floating profit and loss of the original data resource type.
  • the quotation amount can be equal to the product of the designated purchase foreign currency amount and the quotation exchange rate, so it can also be called the quotation amount.
  • the benchmark amount can be equal to the product of the designated foreign currency purchase amount and the benchmark exchange rate, so it can also be called the benchmark amount.
  • the difference between the quoted amount and the base amount can be regarded as a fixed income in the local currency.
  • the difference between the base amount and the actual transaction amount returned by the bank can be regarded as the floating profit and loss of the local currency.
  • step S360 according to the amount of equity, the amount of original data resource transfer, the actual deduction amount, and the amount of target data resource transfer, perform the first type system account of the target service object, the target The amount transfer between the second type of system account of the service provider and the system equity account.
  • the system equity account may include a fixed income account and a floating profit and loss account.
  • the amount transfer between the second type of system account and the system equity account may include: unfreezing the original data resource transfer amount in the first type of system account of the original data resource type of the target service object; Transferring the fixed income from the first type system account of the original data resource type of the target service object to the fixed income account of the original data resource type; from the original data resource type of the target service object Transfer the floating profit and loss from the first type system account to the floating profit and loss account of the original data resource type; transfer the actual deduction amount from the first type system account of the original data resource type of the target service object To the second-type system account of the original data resource type of the target service provider; transfer the target data resource from the second-type system account of the target service provider corresponding to the target data resource
  • the transaction subsystem can calculate fixed income and floating profit and loss based on the quoted exchange rate offered by the exchange rate management subsystem to the customer and the actual transaction amount returned by the bank gateway subsystem, and then call the order subsystem to update the order information and status, and call
  • the balance account subsystem completes the balance addition and subtraction operations of customer accounts (including the first type of system account of the target service object), bank account (corresponding to the second type of system account of the target service provider), and equity account (corresponding to the system equity account) . This process corresponds to the repatriation stage of the purchase of foreign exchange.
  • the accounting approval subsystem is responsible for the approval process for purchasing foreign exchange, and is mainly provided for use by financial personnel. Since the amount operations such as purchase of foreign exchange have high capital risks, in order to avoid risks such as amount errors caused by manual or system errors, financial personnel need to approve the exchange request submitted to the bank, and the approval can be sent to the bank.
  • the system when the system receives a data resource transfer request from a target service object, the system can automatically determine the original data resource transfer amount according to the target data resource transfer amount carried in the data resource transfer request, and To obtain the response information for the data resource transfer request, the amount of equity can be determined based on the amount of the original data resource transfer and the actual deduction amount carried in the response information, so that the amount of equity, the amount of original data resource transfer, and the actual The deduction amount and the target data resource transfer amount are used to transfer the amount between various system accounts such as the target service object and the target service provider; in this way, the amount of calculation is small, the system resource is less occupied, and the operation speed is faster.
  • the embodiment of the application creates a foreign exchange transaction bottom-level account system and fund clearing scheme that supports multiple currencies and can be advanced.
  • each customer can open multiple currency accounts on the currency exchange platform to record the customer's balance information in each currency and establish a basis for the customer's currency exchange.
  • the embodiment of the application designs a scheme for advancement and settlement of accounts based on dual accounts of liabilities + arrears, allowing customers to submit transaction requests when the account balance is insufficient, and balance the accounts when the balance is sufficient.
  • the embodiment of the application adopts the double-entry bookkeeping method in accounting to perform fund settlement, which ensures the clear and verifiable flow of funds in the system account, and guarantees the safety of account funds.
  • double-entry bookkeeping is the occurrence of any economic business, which will cause at least two items of assets and liabilities to increase or decrease, and the amount of increase or decrease is equal. Therefore, when reflecting each economic business, an equal amount should be registered in at least two relevant accounts at the same time.
  • This method of registering in two or more interconnected accounts with equal amounts for every economic transaction that occurs is called double-entry accounting. Therefore, the occurrence of each economic transaction can be double-recorded in two or two related accounts with the same amount.
  • This kind of bookkeeping faithfully reflects the objective connection of economic affairs and is a scientific method of bookkeeping. It can fully and clearly reflect the ins and outs of economic business, and it can also reflect the process and results of economic activities in a comprehensive and systematic manner through the increase or decrease of accounting elements.
  • owner's equity refers to the residual equity enjoyed by the owner after assets deducting liabilities.
  • each customer includes the following two accounts in each currency type, that is, each customer and each currency type includes both the first type of system account and the second type of system account:
  • Liability account Save the customer's balance information in the foreign exchange platform system.
  • the balance indicates how much money the platform "owes" the customer, so it is a liability account in accounting.
  • RMB 100 For example, if a customer recharges RMB 100 in the currency exchange platform system, the RMB balance of the customer's corresponding liability account will increase by RMB 100.
  • Asset account It saves the information of the customer's arrears balance in the foreign exchange platform system.
  • the arrears balance indicates how much money the customer "owes" to the platform, so it is an asset account in accounting.
  • Channel account (hereinafter also referred to as bank account): save the balance information of the foreign exchange platform system on the channel side.
  • the balance represents the fund balance of the platform in the bank channel account, so it is an asset account in accounting.
  • their relative exchange platforms are all asset accounts, that is, the second type of system accounts.
  • the RMB balance of XX Bank will increase by RMB 100, and the RMB 100 will be recorded as the assets of the exchange platform.
  • Advance payment intermediate account used to record the information of "borrowing money” and "repaying money” of the advance payment of customers.
  • the advance middle account requires two accounts for each currency type.
  • the second type of system account is
  • Liability account corresponds to the customer’s debt assets. It is used to settle the funds of debt assets with customers in the process of undertaking the advancement and closing accounts.
  • the asset account corresponds to the customer's asset account. It is used to settle the funds of the customer's asset account in the process of undertaking the advancement and closing the account.
  • (1.4) Fixed income account record the income balance brought by the fixed price increase of the foreign exchange platform.
  • the balance represents the fixed income of the platform, so it belongs to the owner's equity account in accounting.
  • Floating profit and loss account Record the floating loss balance caused by the exchange rate fluctuation of the foreign exchange platform.
  • the balance represents the floating profit and loss of the platform, so it belongs to the owner's equity account in accounting.
  • the fixed income account and the floating profit and loss account are collectively referred to as equity accounts, but the two actually have separate accounts.
  • the fixed income account and the floating profit and loss account are used as the liability accounts of the exchange platform, that is, the first type of system account, then the above formula (1) can be simplified to the following formula:
  • fixed income account is the abbreviation of fixed income account
  • floating loss account is the abbreviation of floating profit and loss account.
  • there can be multiple banks and multiple customers in the system determined by the number of banks and customers connected to the system), and only one of fixed-income accounts, floating-loss accounts, and advanced intermediate accounts can be provided.
  • different customers share the same fixed-income account, the same floating loss account, and the same advance middle account.
  • the system supports multiple currencies, so each account has a separate account number for each currency type, and each currency account number is accounted separately.
  • Each type of account (customer, channel or bank, advance middle account, equity account) has an account balance table (the equity account here includes fixed income accounts and floating profit and loss accounts, they can all be classified as platform income, two Each is an independent account, each with its own account balance table), each row in the table represents a system account, and records the balance of each account in the system.
  • the key information of the account balance is shown in Table 2 below:
  • the intermediary account is the abbreviation of the advanced intermediary account.
  • CNY represents the RMB, in the following, USD represents the U.S. dollar, and HKD represents the Hong Kong dollar.
  • assets liabilities + owner's equity.
  • an account flow meter which is used to record the details of each account fund change, and can also be used for accounting and reconciliation. Every time you manipulate account funds and modify the account balance, you need to add a new account flow.
  • the account flow table records the key elements of both parties' accounts, currency, amount, transaction type, transaction time and other key elements of this capital operation, as shown in Table 3 below:
  • the balance account is actually the system account of the corresponding account in the above table 2.
  • the overall account system is described as follows, which can be divided into customer account system, bank account system, advance middle account account system and owner's equity account system.
  • Fig. 4 schematically shows a schematic diagram of a customer account system according to an embodiment of the present application.
  • each customer can open multiple currency accounts.
  • the customer’s external number Client_id, the customer’s internal number uid and the system account number are exchanged in currency, etc.
  • the key elements are related.
  • the currency to be opened is RMB CNY, Hong Kong dollar HKD,... and other currencies, Cur_n, a total of n currencies, and n is a positive value greater than or equal to 1. Integer.
  • the system generates system accounts for these currencies, such as CNY liability accounts acno_11, CNY asset accounts acno_12, HKD liability accounts acno_21, HKD asset accounts acno_22, Cur_n liability accounts acno_n1, and Cur_n asset accounts acno_n2.
  • Fig. 5 schematically shows a schematic diagram of a bank account system according to an embodiment of the present application.
  • bank accounts are downstream channel accounts.
  • bank B is used as an example to illustrate.
  • Each channel can also open multiple currency accounts.
  • the number uid and the system account are related through key elements such as currency.
  • CNY, HKD,... and other currencies Cur_n as examples, and the system generates system accounts for these currencies, such as the CNY account of Bank B.
  • Fig. 6 schematically shows a schematic diagram of an account system of a premium middle account according to an embodiment of the present application.
  • the advance intermediary account can also open multiple currency accounts.
  • the external number Loan_type, internal number uid of the advance intermediary account and the system account number are related through key elements such as currency, here in RMB, Take Hong Kong dollars and U.S. dollars as examples to illustrate the opening of CNY liability accounts acno_11, CNY asset accounts acno_12, HKD liability accounts acno_21, HKD asset accounts acno_22, USD liability accounts acno_31, USD asset accounts for advanced intermediate accounts. acno_32.
  • Fig. 7 schematically shows a schematic diagram of an equity account system according to an embodiment of the present application.
  • the equity account P here represents the fixed income account and the floating profit and loss account. Both have their own accounts.
  • the external number Profit_id, the internal number uid of the equity account P and the system account number are exchanged through key elements such as currency.
  • Association, for example, the CNY account acno_1, the HKD account acno_2, and the Cur_n account acno_n are generated for the equity account P.
  • Account creation also distinguishes customer accounts, bank accounts, advance middle accounts, and equity accounts.
  • Fig. 8 schematically shows a flowchart of creating basic customer information according to an embodiment of the present application. As shown in Fig. 8, in this embodiment of the present application, creating basic customer information may include the following steps.
  • step S810 an external number Client_id is generated for the merchant C.
  • step S820 an internal number uid is generated for the merchant C.
  • step S830 basic customer information is recorded.
  • the merchant C first needs to distinguish whether it is an individual customer or an enterprise customer. If it is an individual customer, the customer's basic information can include merchant C's name, ID number, mobile phone number, home address and other similar personal information. If it is a corporate customer, the basic customer information here can include basic corporate information, such as corporate name, address, contact information, corporate legal person information, etc.
  • the embodiment of the application can create system accounts in multiple currencies for external customers, but the customer does not need to record accounts in multiple currencies, so that customer management is as simple as possible. This is achieved by establishing an association relationship between the customer and the system account. For example, a certain customer M performs the following operations:
  • an association relationship table is used to manage the association relationship between customers and various currency accounts.
  • the key information of the customer account association table is shown in Table 4 below:
  • FIG. 9 schematically shows a flowchart of creating a customer balance account according to an embodiment of the present application. As shown in Figure 9, creating a customer balance account in this embodiment of the application may include the following steps.
  • step S901 the customer account association table is queried.
  • step S902 it is judged whether the merchant C has an account in the same currency; if it does not exist, go to step S903; if it does, go to step S906.
  • step S903 a liability account number acno is generated.
  • step S904 an asset account acno is generated.
  • step S905 the liability+asset account number is written into the customer account association table.
  • step S906 the client account balance table is queried.
  • the customer account balance table here refers to the key account balance information in Table 2 above. This is a general table. This table can be used by customer accounts, fixed income accounts, floating profit and loss accounts, advance middle accounts, and bank channel accounts. At the database level, the balance tables of different accounts are different tables (ie tables), with different table names, but the fields of the tables are the same.
  • step S907 it is determined whether the acno balance account already exists; if it already exists, go to step S909; if it does not exist, go to step S908.
  • step S908 the liability + asset account number is written into the customer account balance table.
  • the generated liability account and asset account of the currency of the customer are respectively used as the balance account of the corresponding currency in the customer account balance table.
  • the account association table is used to associate the mapping relationship between the client's external number Client_id (or bank external number bank_type, etc.) and the balance account number acno, and does not record the balance.
  • the account balance sheet only records the balance. The advantage of this is that the system is layered, which is easy to develop and maintain: the association table belongs to the category of customer data, and the account balance table belongs to the underlying account system.
  • step S909 this operation ends.
  • Fig. 10 schematically shows a flow chart of creating basic bank information according to an embodiment of the present application. As shown in FIG. 10, in this embodiment of the present application, creating basic bank information may include the following steps.
  • step S1010 an external number bank_type is generated for bank B.
  • step S1020 an internal number uid is generated for bank B.
  • step S1030 basic bank information is recorded.
  • the basic bank information may include bank name, address and similar information.
  • the method is: (1) Assign a channel bank external number bank_type to each channel bank, and finance uses bank_type to distinguish each bank and perform account management. (2) Similarly, in order to facilitate internal management, a bank internal number uid is created for each bank_type, and the uid is not visible to finance. (3) Finally, a channel bank relationship table is used to manage the relationship between channel banks and accounts in various currencies. The key information of the channel bank account association table is shown in Table 5 below:
  • Fig. 11 schematically shows a flowchart of creating a bank balance account according to an embodiment of the present application. As shown in FIG. 11, in this embodiment of the present application, creating a bank balance account may include the following steps.
  • step S1101 the bank account association table is queried.
  • step S1102 it is determined whether the bank B account in the same currency type already exists; if it does not exist, go to step S1103; if it does, go to step S1105.
  • step S1103 the account acno is generated.
  • step S1104 the account number is written into the bank account association table.
  • step S1105 the bank account balance table is queried.
  • step S1106 determine whether the acno balance account already exists; if it already exists, skip to step S1108; if it does not exist, go to step S1107.
  • step S1107 the account number is written into the bank account balance table.
  • step S1108 this operation ends.
  • Fig. 12 schematically shows a flow chart of creating basic information of a payment intermediary account according to an embodiment of the present application. As shown in FIG. 12, in this embodiment of the present application, creating basic information of the advance middle account may include the following steps.
  • step S1210 an external number loan_type is generated for the payment intermediary.
  • step S1220 an internal number uid is generated for the payment intermediary.
  • step S1230 the basic information of the payment middleman is recorded.
  • the basic information of the middle house may include the number of the middle house, the purpose of the middle house, and the remarks of the middle house.
  • Fig. 13 schematically shows a flow chart of creating a balance account of a prepaid intermediary account according to an embodiment of the present application. As shown in FIG. 13, in this embodiment of the present application, creating a balance account of the advance middle account may include the following steps.
  • step S1301 query the account association table of the advanced payment intermediary account.
  • step S1302 it is judged whether the same currency account of the advance middle account already exists; if it does not exist, go to step S1303; if it exists, go to step S1306.
  • step S1303 a liability account number acno is generated.
  • step S1304 an asset account acno is generated.
  • step S1305 the liability+asset account number is written into the account association table of the advance middle account.
  • step S1306 query the balance table of the middle account of the advance payment.
  • step S1307 it is determined whether the acno balance account already exists; if it already exists, skip to step S1309; if it does not exist, proceed to step S1308.
  • step S1308 the liability+asset account number is written into the balance sheet of the advance middle account.
  • step S1309 this operation ends.
  • Fig. 14 schematically shows a flow chart of creating basic information of an equity account according to an embodiment of the present application. As shown in Fig. 14, in this embodiment of the present application, creating the basic information of an equity account may include the following steps.
  • step S1410 an external number profit_id is generated for the equity account P.
  • step S1420 an internal number uid is generated for the equity account P.
  • step S1430 the basic information of the equity account P is recorded.
  • the basic equity information here can include the external number and internal number of the equity account, the account type of the equity account (fixed income account or floating profit and loss account), account usage and other remarks.
  • Fig. 15 schematically shows a flow chart of creating an equity account balance account according to an embodiment of the present application. As shown in Fig. 15, in this embodiment of the present application, creating an equity account balance account may include the following steps.
  • step S1501 query the equity account association table.
  • step S1502 it is judged whether the account of the same currency of the equity account P already exists; if it does not exist, go to step S1503; if it does, go to step S1505.
  • step S1503 the account acno is generated.
  • step S1504 the account number is written into the equity account association table.
  • step S1505 the equity account balance table is queried.
  • step S1506 it is determined whether the acno balance account already exists; if it already exists, go to step S1508; if it does not exist, go to step S1507.
  • step S1507 the account number is written into the equity account balance table.
  • step S1508 this operation ends.
  • the advance balance process can not only be used in foreign exchange trading platforms such as foreign exchange platforms, but also can be abstracted into a general solution, so that it can be used in various business scenarios (such as advance purchase of foreign exchange, payment of foreign exchange, ordinary loans, etc.) use.
  • the customer asset account records the customer's owed balance
  • the customer liability account records the customer's tradable balance.
  • the customer asset account here is similar to the overdraft/credit card balance/loan balance, while the customer liability account is equivalent to the balance in the debit card balance/third-party payment wallet.
  • the asset account of the advance middle account pays money, and the customer asset account pays money; the debt account of the advance middle account pays money, and the customer liability account pays money.
  • the amount of money in and out of each account is equal.
  • the asset account of the RMB currency of the advance middle account lends RMB 690 to the customer asset account of the currency of RMB.
  • the debt account of the RMB currency of the advance middle account loaned RMB 690 to the customer liability account of the RMB currency.
  • the balance can also be called repayment.
  • the balance of the customer's debt is equal to the balance of the customer's asset class account, and the repayment amount is not higher than the balance of the debt.
  • closing accounts the direction of capital flow is exactly the opposite: customer asset accounts pay, and advance middle account asset accounts; customer debt accounts pay, and advance middle accounts debt accounts .
  • the amount of money in and out of each account is equal.
  • the customer's asset account in CNY currency pays ⁇ 690 to the asset account of the intermediate account in CNY currency.
  • the customer's debt account in CNY currency lends ⁇ 690 to the debt account of the middle customer in CNY currency.
  • Fig. 17 schematically shows a flow chart of initiating a purchase of foreign exchange according to an embodiment of the present application.
  • the foreign exchange purchase initiation stage may include the following steps.
  • step S1701 the client's exchange request is accepted.
  • the system accepts the exchange request sent by the customer, and after the exchange is completed, the system needs to clear the funds.
  • the system accepts the exchange request sent by the customer, and the customer specifies the currency of the currency to be bought and sold, that is, what is the specified domestic currency and foreign currency, and the amount of the specified foreign currency to be purchased.
  • step S1702 a reference exchange rate is acquired.
  • step S1703 an exchange rate markup is performed on the customer.
  • step S1704 the amount of domestic currency payable by the customer is calculated.
  • step S1705 it is determined whether the customer balance is sufficient; if it is not sufficient, go to step S1706; if it is sufficient, go to step S1707.
  • step S1706 the advance middle accountant borrows money.
  • step S1707 the customer's local currency amount is frozen.
  • step S1708 it ends.
  • the system quotes the customer based on the market benchmark exchange rate + fixed markup, calculates the amount of the customer’s local currency payable, and freezes the customer’s local currency funds; if the customer’s account balance is insufficient, the advance middle account will first advance the "lending money" to the customer, and then freeze it Client's local currency funds.
  • Fig. 18 schematically shows a flow chart of the rebate of purchase foreign exchange according to an embodiment of the present application.
  • the repatriation stage of the purchase of foreign exchange may include the following steps.
  • step S1801 the accepting bank returns the result.
  • the system submits the exchange request to the downstream channel bank.
  • the exchange request includes the purchase and sale of currency, and the designated amount of foreign currency to be purchased.
  • the channel bank returns the result of the foreign exchange purchase as a response message, which includes the actual transaction exchange rate and the actual deduction of the local currency amount.
  • step S1802 it is determined whether the purchase of foreign exchange is successful; if the purchase of foreign exchange is successful, step S1803 is entered; if the purchase of foreign exchange fails, then step S1807 is skipped.
  • step S1803 the actual transaction amount is analyzed.
  • step S1804 the fixed income is calculated.
  • step S1805 the floating profit and loss is calculated.
  • the system calculates fixed income and floating profit and loss based on the quotation amount to the customer, the system benchmark amount, and the actual transaction amount of the channel.
  • the calculation formula can be as follows:
  • Quotation amount designated foreign currency purchase amount * quotation exchange rate (5)
  • Base amount Designated foreign currency purchase amount * Base exchange rate (6)
  • Quotation exchange rate base exchange rate + number of markup points (7)
  • step S1806 fund clearing is performed between the accounts.
  • step S1807 the amount of the customer's home currency is unfrozen.
  • step S1808 the process ends.
  • the RMB asset account of the advanced middle account lends ⁇ 690 to the customer’s RMB asset account.
  • the RMB debt account of the advance middleman lends RMB 690 to the customer's RMB debt account, and freezes RMB 690 in the customer's RMB liability account.
  • the method of borrowing by difference can also be used, that is, first consider the account balance of the customer in the currency, and then calculate the difference between the amount of the customer’s domestic currency and the account balance of the domestic currency as the loan to the middle account of the advance The amount of money.
  • the customer asset account is used to record the customer's arrears.
  • the balance of the customer asset account indicates the balance of the customer's arrears, and the asset balance of the advance middle account can indicate the current balance of all customers' arrears.
  • the balance of the customer liability account is used for actual transactions, so the frozen funds are recorded in the customer liability account.
  • Fig. 21 schematically shows a schematic diagram of a system capital flow according to an embodiment of the present application.
  • the system funds flow is to unfreeze ⁇ 690 from the customer’s CNY liability account, and transfer ⁇ 10 of the ⁇ 690 to the fixed income CNY account, and transfer the ⁇ 690 ⁇ 675 in the Chinese currency to the CNY account of XX Bank, and transfer the ⁇ 5 of the ⁇ 690 to the CNY account of floating profit and loss.
  • XX Bank’s USD account transfers USD$100 to the customer’s USD liability account.
  • Table 13 shows:
  • the database software can use an open source MySQL (relational database management system) server to reduce procurement costs, but this application is not limited to this.
  • the database adopts a one-master and multiple-backup (ie, one host + multiple backup machines) architecture, and a high-availability database system is constructed through semi-synchronous or MySQL Group Replication (MGR) technology , Improve the robustness of the database.
  • MGR MySQL Group Replication
  • the foreign exchange platform For the foreign exchange purchase transaction business, taking the foreign exchange platform as an example, it can provide the most basic underlying account system for the foreign exchange platform to access customers and downstream channels. Through the use of this set of account systems, the currency exchange platform can access multiple customers and downstream channels, and the number is unlimited. At the same time, it is possible to flexibly create accounts in different currencies for customers and channels according to the actual needs of customers and the actual support capabilities of the channels.
  • a distributed architecture can be adopted, including providing nearby access to the access layer, traffic load balancing and overload protection mechanism, multi-machine deployment of system modules, etc. .
  • the collection and payment service compared with the current single currency (RMB) collection and payment system, after using the account system provided in the embodiment of this application, it can support multi-currency collection and payment services for business development Bring more business application scenarios.
  • RMB current single currency
  • the collection and payment service refers to the business in which each financial institution uses its own settlement convenience to accept the client's entrustment to handle the collection and payment of designated funds on its behalf.
  • the method provided in the embodiments of this application can be used in a variety of business scenarios, especially suitable for foreign exchange transactions, and has the following advantages: the solution has a wide range of application scenarios and the system account setting flexibility is high; When the customer's balance is insufficient, the customer can be "borrowed” through the advance middle account, which greatly improves the flexibility of the business; through the dual-account program, the balance of each customer's arrears can be checked in real time to facilitate payment collection.
  • a corresponding handling fee and interest collection scheme can also be designed for the advance arrears.
  • the advancement process in the foreign exchange purchase process is recorded, and the advancement scheme can also be used in the foreign exchange payment process.
  • different types of advances can also be distinguished, and then different handling fees and interest rates can be used to improve the handling fee and interest collection scheme mentioned above.
  • the method provided in the embodiments of the present application can be combined with technologies such as blockchain, so that the technical solution can be implemented on the blockchain, thereby achieving better effects.
  • FIG. 24 schematically shows a schematic structural diagram of the distributed system according to an embodiment of the present application applied to a blockchain system.
  • the system involved in the embodiment of the present application may be a distributed system formed by connecting a client 2420 and multiple nodes 2410 (any form of computing equipment connected to the network, such as a server and a user terminal) through network communication.
  • FIG. 24 is a schematic structural diagram of the distributed system 2400 provided by an embodiment of the present application applied to the blockchain system.
  • Any form of computing equipment, such as servers, user terminals, and clients are formed, and the nodes form a peer-to-peer (P2P, Peer To Peer) network.
  • the P2P protocol is a protocol that runs on the Transmission Control Protocol (TCP, Transmission Control Protocol).
  • TCP Transmission Control Protocol
  • Application layer protocol above.
  • any machine such as a server or terminal can join and become a node.
  • the node includes the hardware layer, the middle layer, the operating system layer, and the application layer.
  • Routing the basic function of nodes to support communication between nodes.
  • nodes can also have the following functions:
  • the services implemented by the application include:
  • Wallet used to provide the function of electronic currency transactions, including initiating a transaction (that is, sending the transaction record of the current transaction to other nodes in the blockchain system, and after other nodes are successfully verified, it will act as a response to acknowledge that the transaction is valid ,
  • the transaction record data is stored in the temporary block of the blockchain; of course, the wallet also supports the inquiry of the remaining electronic money in the electronic money address;
  • Shared ledger used to provide functions such as storage, query, and modification of account data, and send the record data of the operation of the account data to other nodes in the blockchain system. After other nodes verify the validity, it will be regarded as an acknowledged account. Data valid response, save the recorded data in a temporary block, and send confirmation to the node that initiated the operation.
  • Smart contracts can execute the terms of a certain contract, implemented by the code deployed on the shared ledger for execution when certain conditions are met, and the code is used to complete automated transactions according to actual business requirements. For example, query the logistics status of the goods purchased by the buyer, and transfer the buyer’s electronic currency to the merchant’s address after the buyer signs for the goods; Contract processed.
  • Blockchain includes a series of blocks that are connected to each other according to the chronological order of generation. Once a new block is added to the blockchain, it will not be removed again. The blockchain system is recorded in the block. Record data submitted by the mid-node.
  • FIG. 25 schematically shows the composition diagram of the block structure of an embodiment of the present application.
  • FIG. 25 is a schematic diagram of a block structure (Block Structure) provided by an embodiment of the present application.
  • Each block includes the hash value of the transaction record stored in the block (the hash value of the block), and The hash value of the previous block is connected by the hash value to form a blockchain.
  • the block may also include information such as the time stamp when the block was generated.
  • Blockchain is essentially a decentralized database. It is a series of data blocks associated with cryptographic methods. Each data block contains relevant information to verify the validity of its information. (Anti-counterfeiting) and generate the next block.
  • Fig. 26 schematically shows a block diagram of a data resource processing apparatus according to an embodiment of the present application.
  • the data resource processing device 2600 may include: a transfer request receiving unit 2610, an original amount determining unit 2620, a transfer request sending unit 2630, a response information obtaining unit 2640, an equity amount obtaining unit 2650, and Account amount transfer unit 2660.
  • the transfer request receiving unit 2610 may be configured to receive a data resource transfer request from a target service object, the data resource transfer request including the target data resource type, the original data resource type, and the target data resource transfer amount.
  • the original amount determining unit 2620 may be configured to determine the original data resource transfer amount according to the target data resource transfer amount.
  • the transfer request sending unit 2630 may be configured to send the data resource transfer request to the target service provider.
  • the response information obtaining unit 2640 may be configured to obtain response information in response to the data resource transfer request from the target service provider, where the response information includes the actual deduction amount of the original data resource type.
  • the equity amount obtaining unit 2650 may be configured to obtain the equity amount of the original data resource type according to the target data resource transfer amount and the actual deduction amount.
  • the account amount transfer unit 2660 may be configured to perform the first type system account of the target service object according to the amount of equity, the amount of original data resource transfer, the actual deduction amount, and the amount of target data resource transfer. The amount transfer between the second-type system account of the target service provider and the system equity account.
  • the original amount determining unit 2620 may include: a benchmark index obtaining unit, which may be configured to obtain a benchmark index between the target data resource type and the original data resource type; and a quotation index generating unit, which may be configured To generate a quote index between the target data resource type and the original data resource type according to the benchmark index; the transferred amount determining unit may be configured to determine the target data resource transfer amount according to the quote index and the target data resource type.
  • the original data resource transfer amount; the original data resource transfer amount freezing unit may be configured to freeze the original data resource transfer amount in the first type of system account of the original data resource type of the target service object.
  • the data resource processing apparatus 2600 may further include: a remaining amount obtaining unit, which may be configured to freeze the original data in the first-type system account of the original data resource type of the target service object Before the amount of resource transfer, obtain the remaining amount in the first type system account of the original data resource type of the target service object; the debt advance unit may be configured to if the remaining amount is less than the amount of the original data resource transfer , The transfer amount of the original data resource is transferred from the first type system account of the original data resource type of the system intermediary to the first type system account of the original data resource type of the target service object.
  • a remaining amount obtaining unit which may be configured to freeze the original data in the first-type system account of the original data resource type of the target service object Before the amount of resource transfer, obtain the remaining amount in the first type system account of the original data resource type of the target service object
  • the debt advance unit may be configured to if the remaining amount is less than the amount of the original data resource transfer , The transfer amount of the original data resource is transferred from the first type system account
  • the data resource processing device 2600 may further include: an asset advance unit, which may be configured to transfer the original data from the second type of system account of the original data resource type of the system middleman The amount of resource transfer is transferred to the second type of system account of the original data resource type of the target service object.
  • an asset advance unit which may be configured to transfer the original data from the second type of system account of the original data resource type of the system middleman The amount of resource transfer is transferred to the second type of system account of the original data resource type of the target service object.
  • the remaining amount obtaining unit may include: a service object external number obtaining unit, which may be configured to obtain the external number of the target service object; and the service object association table search unit, which may be configured to search according to the external number
  • the client account association table of the target service object obtains the first-type system account of the original data resource type of the target service object;
  • the service object balance table search unit may be configured to The first-type system account of the original data resource type is searched for the account balance table of the target service object, and the remaining amount in the first-type system account of the original data resource type of the target service object is obtained.
  • the data resource processing apparatus 2600 may further include: a current type determining unit, which may be configured to determine a current type, the current type including the target data resource type and the original data resource type; service object association The table query unit may be configured to query the customer account association table of the target service object according to the current type; the customer account generation unit may be configured to, if the customer account association table does not exist in the customer account association table corresponding to the current type The first type of system account and the second type of system account, the first type of system account and the second type of system account corresponding to the current type are generated; the customer account writing unit may be configured to change the first type corresponding to the current type The first type of system account and the second type of system account are written into the customer account association table.
  • a current type determining unit which may be configured to determine a current type, the current type including the target data resource type and the original data resource type
  • service object association The table query unit may be configured to query the customer account association table of the target service object according to the current type
  • the customer account generation unit
  • the data resource processing device 2600 may further include: an account balance table query unit, which may be configured to query the account balance table of the target service object according to the current type; and a balance account generation unit, which may be configured to: If the first type of system account and the second type of system account corresponding to the current type do not exist in the account balance table, the first type of system account and the second type of system account corresponding to the current type are written into The account balance table.
  • an account balance table query unit which may be configured to query the account balance table of the target service object according to the current type
  • a balance account generation unit which may be configured to: If the first type of system account and the second type of system account corresponding to the current type do not exist in the account balance table, the first type of system account and the second type of system account corresponding to the current type are written into The account balance table.
  • the data resource processing device 2600 may further include: a service object external number generating unit, which may be configured to generate the external number of the target service object; The internal number of the target service object corresponding to the external number; the external and internal number association unit may be configured to write the external number and the internal number into the customer account association table of the target service object.
  • a service object external number generating unit which may be configured to generate the external number of the target service object.
  • the external and internal number association unit may be configured to write the external number and the internal number into the customer account association table of the target service object.
  • the equity amount obtaining unit 2650 may include: an quotation amount obtaining unit, which may be configured to obtain a quotation amount based on the target data resource transfer amount and the quotation index; and the reference amount obtaining unit may be configured to obtain a quotation amount based on The target data resource transfer amount and the benchmark index obtain a benchmark amount; the fixed income obtaining unit may be configured to obtain a fixed income of the original data resource type according to the quotation amount and the benchmark amount; and floating gains and losses are obtained The unit may be configured to obtain the floating profit and loss of the original data resource type according to the actual deduction amount and the reference amount.
  • the system equity account may include a fixed income account and a floating profit and loss account.
  • the account amount transfer unit 2660 may include: an original data resource transfer amount unfreezing unit, which may be configured to unfreeze the original data resource transfer amount in the first type of system account of the original data resource type of the target service object;
  • the fixed income transfer unit may be configured to transfer the fixed income from the first type system account of the original data resource type of the target service object to the fixed income account of the original data resource type;
  • a floating profit and loss transfer unit It may be configured to transfer the floating profit and loss from the first-type system account of the original data resource type of the target service object to the floating profit and loss account of the original data resource type;
  • the actual deduction transfer unit may be configured to Transfer the actual deduction amount from the first type system account of the original data resource type of the target service object to the second type system account of the original data resource type of the target service provider; foreign currency transfer unit , Can be configured to transfer the target data resource transfer amount from the second type of system account of the target data resource
  • the example embodiments described here can be implemented by software, or can be implemented by combining software with necessary hardware. Therefore, the technical solution according to the embodiments of the present application can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (which can be a CD-ROM, U disk, mobile hard disk, etc.) or on the network , Including several instructions to make a computing device (which can be a personal computer, a server, a touch terminal, or a network device, etc.) execute the method according to the embodiment of the present application.
  • a non-volatile storage medium which can be a CD-ROM, U disk, mobile hard disk, etc.
  • Including several instructions to make a computing device which can be a personal computer, a server, a touch terminal, or a network device, etc.

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Abstract

本申请实施例提供了一种数据资源处理方法、装置、计算机存储介质及电子设备。该方法包括：接收来自目标服务对象的数据资源转移请求，数据资源转移请求包括目标数据资源类型、原始数据资源类型和目标数据资源转移数额；根据目标数据资源转移数额，确定原始数据资源转移数额；将数据资源转移请求发送至目标服务提供对象；获取响应于数据资源转移请求的响应信息；根据目标数据资源转移数额和实际扣减数额，获得原始数据资源类型的权益数额；根据权益数额、原始数据资源转移数额、实际扣减数额和目标数据资源转移数额，进行目标服务对象的第一类系统账户、目标服务提供对象的第二类系统账户、以及系统权益账户之间的数额转移。

Description

数据资源处理方法、装置、计算机存储介质及电子设备
相关申请的交叉引用
本申请基于申请号为202010181015.8、申请日为2020年03月16日的中国专利申请提出，并要求该中国专利申请的优先权，该中国专利申请的全部内容在此引入本申请作为参考。
技术领域
本申请涉及计算机技术领域，尤其涉及一种数据资源处理方法、装置、计算机存储介质及电子设备。
背景技术
外汇(Foreign currency)，是货币行政当局(中央银行、货币管理机构、外汇平准基金及财政部)以银行存款、财政部库券、长短期政府证券等形式保有的在国际收支逆差时可以使用的债权。外汇可以包括外国货币、外币存款、外币有价证券(政府公债、国库券、公司债券、股票等)和外币支付凭证(票据、银行存款凭证、邮政储蓄凭证等)等。
在数据资源管理中，同一用户对象可能拥有多类(至少两类)数据资源(如外汇)账户，不同类系统账户间存在资源转移的需求，相关技术中无法帮助用户快速、便捷地完成资源转移的服务。
发明内容
本申请实施例提供一种数据资源处理方法、装置、计算机存储介质及电子设备，能够快速准确地响应来自目标服务对象的数据资源转移请求。
本申请实施例提供了一种数据资源处理方法，包括：接收来自目标服务对象的数据资源转移请求，所述数据资源转移请求包括目标数据资源类型、原始数据资源类型和目标数据资源转移数额；根据所述目标数据资源转移数额，确定原始数据资源转移数额；将所述数据资源转移请求发送至目标服务提供对象；从所述目标服务提供对象获取响应于所述数据资源转移请求的响应信息，所述响应信息包括所述原始数据资源类型的实际扣减数额；根据所述目标数据资源转移数额和所述实际扣减数额，获得所述原始数据资源类型的权益数额；根据所述权益数额、所述原始数据资源转移数额、所述实际扣减数额和所述目标数据资源转移数额，进行所述目标服务对象的第一类系统账户、目标服务提供对象的第二类系统账户、以及系统权益账户之间的数额转移。
本申请实施例还提供了一种数据资源处理装置，包括：转移请求接收单元，配置为接收来自目标服务对象的数据资源转移请求，所述数据资源转移请求包括目标数据资源类型、原始数据资源类型和目标数据资源转移数额；原始数额确定单元，配置为根据所述目标数据资源转移数额，确定原始数据资源转移数额；转移请求发送单元，配置为将所述数据资源转移请求发送至目标服务提供对象；响应信息获取单元，配置为获取响应于所述数据资源转移请求的响应信息，所述响应信息包括所述原始数据资源类型的实际扣减数额；权益数额获得单元，配置为根据所述目标数据资源转移数额和所述实际扣减数额，获得所述原始数据资源类型的权益数额；账户数额转移单元，配置为根据所述权益数额、所述原始数据资源转移数额、所述实际扣减数额和所述目标数据资源转移数额，进行所述目标服务对象的第一类系统账户、所述目标服务提供对象的第二类系统账户、以及系统权益账户之间的数额转移。
本申请实施例还提供了一种计算机存储介质，其上存储有计算机程序，所述程序被处理器执行时实现如上述实施例中所述的数据资源处理方法。
本申请实施例还提供了一种电子设备，包括：一个或多个处理器；存储器，配置为存储一个或 多个程序，当所述一个或多个程序被所述一个或多个处理器执行时，使得所述一个或多个处理器实现如上述实施例中所述的数据资源处理方法。
应用本申请实施例提供的数据资源处理方法、装置、计算机存储介质及电子设备，当系统接收到来自目标服务对象的数据资源转移请求时，系统可以自动根据数据资源转移请求中携带的目标数据资源转移数额确定原始数据资源转移数额，并获取针对该数据资源转移请求的响应信息，并根据原始数据资源转移数额和响应信息中携带的实际扣减数额，确定权益数额，从而可以根据该权益数额、该原始数据资源转移数额、该实际扣减数额和该目标数据资源转移数额，进行目标服务对象和目标服务提供对象等各类系统账户之间的数额转移；如此，运算量较小，占用的系统资源较少，运行速度较快，能够及时、准确地响应来自目标服务对象的数据资源转移请求；另一方面，用户只需要一键提交数据资源转移请求，系统即可自动完成各类系统账户之间的数额转移，当其应用于外汇交易场景时，可以实现外汇服务的自动化、智能化。
附图说明
图1为本申请实施例提供的数据资源处理系统的系统架构示意图；
图2为本申请实施例提供的电子设备的计算机系统的结构示意图；
图3为本申请实施例提供的数据资源处理方法的流程图；
图4为本申请实施例提供的客户账户体系的示意图；
图5为本申请实施例提供的银行账户体系的示意图；
图6为本申请实施例提供的垫资中间户账户体系的示意图；
图7为本申请实施例提供的权益户账户体系的示意图；
图8为本申请实施例提供的创建客户基本信息的流程图；
图9为本申请实施例提供的创建客户余额账户的流程图；
图10为本申请实施例提供的创建银行基本信息的流程图；
图11为本申请实施例提供的创建银行余额账户的流程图；
图12为本申请实施例提供的创建垫资中间户基本信息的流程图；
图13为本申请实施例提供的创建垫资中间户余额账户的流程图；
图14为本申请实施例提供的创建权益户基本信息的流程图；
图15为本申请实施例提供的创建权益户余额账户的流程图；
图16A为本申请实施例提供的垫资资金流的示意图；
图16B为本申请实施例提供的平账资金流的示意图；
图17为本申请实施例提供的购汇发起的流程图；
图18为本申请实施例提供的购汇回导的流程图；
图19为本申请实施例提供的客户购汇发起资金流的示意图；
图20为本申请实施例提供的物理资金流的示意图；
图21为本申请实施例提供的系统资金流的示意图；
图22为本申请实施例提供的系统软件结构示意图；
图23为本申请实施例提供的系统硬件结构示意图；
图24为本申请实施例提供的分布式系统应用于区块链系统的结构示意图；
图25为本申请实施例提供的区块结构的组成示意图；
图26为本申请实施例提供的数据资源处理装置的框图。
具体实施方式
现在将参考附图更全面地描述示例实施方式。然而，示例实施方式能够以多种形式实施，且不应被理解为限于在此阐述的范例；相反，提供这些实施方式使得本申请将更加全面和完整，并将示例实施方式的构思全面地传达给本领域的技术人员。
此外，所描述的特征、结构或特性可以以任何合适的方式结合在一个或更多实施例中。在 下面的描述中，提供许多细节从而给出对本申请的实施例的充分理解。然而，本领域技术人员将意识到，可以实践本申请的技术方案而没有特定细节中的一个或更多，或者可以采用其它的方法、组元、装置、步骤等。在其它情况下，不详细示出或描述公知方法、装置、实现或者操作以避免模糊本申请的各方面。
附图中所示的方框图仅仅是功能实体，不一定必须与物理上独立的实体相对应。即，可以采用软件形式来实现这些功能实体，或在一个或多个硬件模块或集成电路中实现这些功能实体，或在不同网络和/或处理器装置和/或微控制器装置中实现这些功能实体。
附图中所示的流程图仅是示例性说明，不是必须包括所有的内容和操作/步骤，也不是必须按所描述的顺序执行。例如，有的操作/步骤还可以分解，而有的操作/步骤可以合并或部分合并，因此实际执行的顺序有可能根据实际情况改变。
图1示出了可以应用本申请实施例的数据资源处理系统的系统架构100的示意图。
如图1所示，系统架构100可以包括终端设备101、102、103中的一种或多种，网络104和服务器105。网络104用以在终端设备101、102、103和服务器105之间提供通信链路的介质。网络104可以包括各种连接类型，例如有线、无线通信链路或者光纤电缆等等。
应该理解，图1中的终端设备、网络和服务器的数目仅仅是示意性的。根据实现需要，可以具有任意数目的终端设备、网络和服务器。比如服务器105可以是多个服务器组成的服务器集群、云端服务器等，在实际应用中，服务器包括但不限于任何可以进行计算的硬件设备，如可以是独立的物理服务器，也可以是多个物理服务器构成的服务器集群或者分布式系统，还可以是提供云服务、云数据库、云计算、云函数、云存储、网络服务、云通信、中间件服务、域名服务、安全服务、以及大数据和人工智能平台等基础云计算服务的云服务器。
用户可以使用终端设备101、102、103通过网络104与服务器105交互，以接收或发送消息等。终端设备101、102、103可以是具有显示屏的各种电子设备，包括但不限于智能手机、平板电脑、便携式计算机、可穿戴智能设备、智能家居设备和台式计算机等等。
服务器105可以是提供各种服务的服务器。例如服务器105可以接收目标服务对象通过终端设备101(也可以是终端设备102、103)发送的数据资源转移请求，所述数据资源转移请求包括目标数据资源类型、原始数据资源类型和目标数据资源转移数额。服务器105可以根据所述目标数据资源转移数额，确定原始数据资源转移数额；将所述数据资源转移请求发送至目标服务提供对象；从所述目标服务提供对象获取响应于所述数据资源转移请求的响应信息，所述响应信息包括所述原始数据资源类型的实际扣减数额；根据所述目标数据资源转移数额和所述实际扣减数额，获得所述原始数据资源类型的权益数额。服务器105可以进一步根据所述权益数额、所述原始数据资源转移数额、所述实际扣减数额和所述目标数据资源转移数额，进行所述目标服务对象的第一类系统账户、目标服务提供对象的第二类系统账户、以及系统权益账户之间的数额转移。
图2为本申请实施例提供的电子设备的计算机系统的结构示意图。
需要说明的是，图2示出的电子设备的计算机系统200仅是一个示例，不应对本申请实施例的功能和使用范围带来任何限制。
如图2所示，计算机系统200包括中央处理单元(Central Processing Unit，CPU)201，其可以根据存储在只读存储器(Read-Only Memory，ROM)202中的程序或者从存储部分208加载到随机访问存储器(Random Access Memory，RAM)203中的程序而执行各种适当的动作和处理。在RAM 203中，还存储有系统操作所需的各种程序和数据。CPU 201、ROM 202以及RAM 203通过总线204彼此相连。输入/输出(I/O)接口205也连接至总线204。
以下部件连接至I/O接口205：包括键盘、鼠标等的输入部分206；包括诸如阴极射线管(Cathode Ray Tube，CRT)、液晶显示器(Liquid Crystal Display，LCD)等以及扬声器等的输出部分207；包括硬盘等的存储部分208；以及包括诸如LAN卡、调制解调器等的网络接口卡的通信部分209。通信部分209经由诸如因特网的网络执行通信处理。驱动器210也根据需要连 接至I/O接口205。可拆卸介质211，诸如磁盘、光盘、磁光盘、半导体存储器等等，根据需要安装在驱动器210上，以便于从其上读出的计算机程序根据需要被安装入存储部分208。
特别地，根据本申请的实施例，下文参考流程图描述的过程可以被实现为计算机软件程序。例如，本申请的实施例包括一种计算机程序产品，其包括承载在计算机存储介质上的计算机程序，该计算机程序包含用于执行流程图所示的方法的程序代码。在这样的实施例中，该计算机程序可以通过通信部分209从网络上被下载和安装，和/或从可拆卸介质211被安装。在该计算机程序被中央处理单元(CPU)201执行时，执行本申请的系统中限定的各种功能。
需要说明的是，本申请所示的计算机存储介质可以是计算机可读信号介质或者计算机存储介质或者是上述两者的任意组合。计算机存储介质例如可以是但不限于电、磁、光、电磁、红外线、或半导体的系统、装置或器件，或者任意以上的组合。计算机存储介质的例子可以包括但不限于：具有一个或多个导线的电连接、便携式计算机磁盘、硬盘、随机访问存储器(RAM)、只读存储器(ROM)、可擦式可编程只读存储器(EPROM或闪存)、光纤、便携式紧凑磁盘只读存储器(CD-ROM)、光存储器件、磁存储器件、或者上述的任意合适的组合。在本申请中，计算机存储介质可以是任何包含或存储程序的有形介质，该程序可以被指令执行系统、装置或者器件使用或者与其结合使用。而在本申请中，计算机可读的信号介质可以包括在基带中或者作为载波一部分传播的数据信号，其中承载了计算机可读的程序代码。这种传播的数据信号可以采用多种形式，包括但不限于电磁信号、光信号或上述的任意合适的组合。计算机可读的信号介质还可以是计算机存储介质以外的任何计算机存储介质，该计算机存储介质可以发送、传播或者传输用于由指令执行系统、装置或者器件使用或者与其结合使用的程序。计算机存储介质上包含的程序代码可以用任何适当的介质传输，包括但不限于：无线、电线、光缆、射频(Radio Frequency，RF)等等，或者上述的任意合适的组合。
附图中的流程图和框图，图示了按照本申请各种实施例的系统、方法和计算机程序产品的可能实现的体系架构、功能和操作。在这点上，流程图或框图中的每个方框可以代表一个模块、程序段、或代码的一部分，上述模块、程序段、或代码的一部分包含一个或多个用于实现规定的逻辑功能的可执行指令。也应当注意，在有些作为替换的实现中，方框中所标注的功能也可以以不同于附图中所标注的顺序发生。例如，两个接连地表示的方框实际上可以基本并行地执行，它们有时也可以按相反的顺序执行，这依所涉及的功能而定。也要注意的是，框图或流程图中的每个方框、以及框图或流程图中的方框的组合，可以用执行规定的功能或操作的专用的基于硬件的系统来实现，或者可以用专用硬件与计算机指令的组合来实现。
描述于本申请实施例中所涉及到的单元可以通过软件的方式实现，也可以通过硬件的方式来实现，所描述的单元也可以设置在处理器中。其中，这些单元的名称在某种情况下并不构成对该单元本身的限定。
本申请实施例还提供了一种计算机存储介质，该计算机存储介质可以是上述实施例中描述的电子设备中所包含的；也可以是单独存在，而未装配入该电子设备中。上述计算机存储介质承载有一个或者多个程序，当上述一个或者多个程序被一个该电子设备执行时，使得该电子设备实现如下述实施例中所述的方法。例如，所述的电子设备可以实现如图3或图8或图9或图10或图11或图12或图13或图14或图15或图17或图18所示的各个步骤。
首先对本申请实施例中涉及的一些术语进行解释说明。
换汇，是指将账户资金从某个币种(如人民币)换成另一个币种(如美元)的过程。
付汇，是指经批准经营外汇业务的金融机构，根据有关售汇以及付汇的管理规定，审核用汇单位和个人提供的规定的有效凭证和商业单据后，将资金从其外汇账户中或将其购买的外汇通过转账的方式，付出到另一个境外银行账户的过程。
换汇平台，是为客户提供换汇服务的系统，本申请实施例提供的下述方法可以由换汇平台来实现和执行。
客户，是换汇平台服务的对象，因此本申请实施例中也可以称之为“服务对象”，可以是内部业务方(例如跨境收单或海外游戏等)，也可以是外部商户(例如进出口贸易服务商等)。客 户的账户余额表示客户在换汇平台系统保存的余额，在会计学里代表换汇平台的负债。
渠道，也可以称之为银行渠道或者下游渠道，是指换汇平台对接的下游服务提供商，因此本申请实施例中也可以称之为“服务提供对象”。由于换汇平台没有足够的外汇资金，需要借助下游银行渠道完成换汇。换汇平台充当客户的代理，向下游渠道提交换汇请求。渠道通常是银行(如XX银行)，也有可能是外汇交易服务商，在下面的举例说明中，均以银行为例进行举例说明，但本申请实际上并不限定于此。渠道的账户余额表示换汇平台作为主体保存在各家下游渠道的存款余额，在会计学中代表换汇平台的资产。
物理账户、物理资金和物理资金流分别表示换汇平台在银行开立的账户及账户中的余额、余额变化。
系统账户、系统资金、系统资金流分别表示换汇平台系统内记录的账户及账户中的余额、余额变化。对于银行类账户，物理资金流与系统资金流一一对应，例如换汇平台在XX银行托管账户余额增加了100元人民币，则系统内记录XX银行账户余额也增加100元人民币。
资金清算：换汇平台系统内部，参与外汇交易的各关联方，通过账户余额的转账进行资金交割的过程。在资金清算过程，需要严格符合会计学“有借必有贷，借贷必相等”的基本原则。
基准汇率：换汇平台在接收客户换汇请求时，预估的一个成本汇率。
固定收益：换汇过程中，由于换汇平台对客户汇率加价或加收手续费带来的收益。
浮动损益，也称浮损，由于汇率波动导致下游渠道实际成交价与平台基准价之间的差异，导致的浮盈或浮亏。
垫资：当客户在换汇平台账户余额不足时，由换汇平台使用自有资金为客户进行交易。此时，相当于客户在换汇平台处生成了一笔借款。
平账：当客户通过充值等方式，补足账户余额后，由系统发起平账，相当于客户“还钱”给换汇平台。
垫资中间户：一类系统账户，当客户余额不足，需要垫资时，从垫资中间户出钱、客户账户入钱。
相关技术中，对外汇交易的底层账户体系、资金清算方式及资金流描述较少。其次，当前的外汇交易系统账户体系中，大多要求客户余额充足才能发起交易。这实际上限制了业务的灵活性，不能为客户创造便利的使用环境。
基于上述问题，本申请实施例提出了一种数据资源处理方法，参照图3所示，该数据资源处理方法适用于前述实施例中所述的电子设备，在实际应用中，电子设备可以为终端或服务器，并可以包括步骤S310至步骤S360：
在步骤S310中，电子设备接收来自目标服务对象的数据资源转移请求，所述数据资源转移请求包括目标数据资源类型、原始数据资源类型和目标数据资源转移数额。
在一些实施例中，目标服务对象可以是任意一个提交了数据资源转移请求的客户、商户或者用户，其相对于本申请实施例提供的换汇平台内部系统而言，可以认为其属于外部客户，外部客户可以通过任意一种电子设备例如终端设备向换汇平台发起数据资源转移请求。这里的数据资源转移请求以换汇请求为例进行举例说明，但本申请并不限定于此。
以数据资源转移请求为换汇请求为例，这里的目标数据资源类型可以是外部客户当前指定要买入的货币种类(简称为“外币”)，原始数据资源类型可以是该外部客户当前指定的用于购买该外币的另外一种货币种类(简称为“本币”)，目标数据资源转移数额可以是外部客户指定买入外币金额，例如外部客户指定用其人民币账户内的余额买入100美元，则这里人民币为本币，美元为外币，100美元为目标数据资源转移数额。
这里结合图22和23的换汇平台软硬件系统结构图进行举例说明，换汇平台系统主要包括七个子系统：客户登录网关子系统、客户资料子系统、订单交易子系统、余额账户子系统、汇率管理子系统、财务审批子系统、银行网关子系统。
参见图22，在一些实施例中，客户登录网关子系统可以提供多种形式的接入，包括：应用程序接口(Application Programming Interface，API)接口方式、网络(web)网页登录方式等， 从而满足不同客户的需求。其中API接口方式可以提供给具备一定技术能力的客户，客户的系统直接对接换汇平台实现外汇交易，实现交易流程的自动化，减少人力投入。web网页登录方式可以提供给没有技术开发能力的客户，客户的财务或管理人员通过web网页登录换汇平台实现外汇交易，发起购汇请求或者换汇请求等交易请求。
参见图22，在一些实施例中，客户登录网关子系统是换汇平台系统对外提供的模块，主要负责如下工作：客户的身份认证，通过调用客户资料子系统，对客户的身份信息、登录信息等进行认证，以防止未注册用户或非法用户登录子系统；客户请求的受理及响应，通过调用交易子系统，受理客户的购汇请求或者换汇请求等交易请求，并返回受理结果。
参见图22，在一些实施例中，客户登录网关子系统还可以负责网络流量的分流与拦截。其中，当换汇平台用分布式结构实现时，通过分流，可以将大并发的交易请求分流到不同的服务器，降低服务器的负载；在流量异常，超过系统整体负载时，将流量拦截，避免其进入后端子系统，压垮整个系统。
参见图23，在一些实施例中，换汇平台系统整体可以采用分布式结构，上述各个子系统可以部署在多台服务器上，例如客户登录网关子系统可以部署在多台客户登录网关服务器上，客户资料子系统、订单交易子系统、余额账户子系统、汇率管理子系统和财务审批子系统也可以部署在多台其他子系统服务器上，银行网关子系统也可以部署在多台银行网关服务器上，从而可以提高系统性能，增强系统健壮性。其中，客户登录网关服务器采用分布式部署，多点接入，为客户提供就近接入，分流客户的请求，减轻服务器压力，同时提高响应客户的速度，减少时延。其中，外部客户与外部银行是换汇平台对接的相关方，不属于换汇平台系统。
需要说明的是，虽然图23中仅示出两台客户登录网关服务器、三台其他子系统服务器和两台银行网关服务器，但这里仅是用于举例说明的，实际上客户登录网关服务器、其他子系统服务器和银行网关服务器的数量可以根据情况进行调整和部署，本申请对此不做限制。
参见图23，在一些实施例中，外部客户可以使用接入设备访问换汇平台系统提交换汇请求，接入设备可以包括服务器、个人计算机、手机等任意的电子设备。其中服务器可以用于API接口方式访问换汇平台系统，一般用于具备一定技术开发能力的机构；个人计算机或手机等可以用于web网页登录方式访问换汇平台系统，一般用于缺少技术开发能力的企业或个人。
参见图23，在一些实施例中，外部客户的接入设备可以通过广域网或专线形式连接换汇平台系统的客户登录网关服务器。其中，web网页登录方式访问时可以采用广域网，web前端(安装在接入设备上)和后台服务端(包括客户登录网关服务器)需要将客户发送的换汇请求做好各种安全机制，例如可以包括：信息加密机制，例如可以通过超文本传输安全协议(Hyper Text Transfer Protocol over SecureSocket Layer，https)技术对换汇请求中的信息与返回给外部客户的响应结果中的信息进行加密，防止信息泄露；签名机制，通过协商的签名密钥对换汇请求与响应结果进行签名，防止篡改与抵赖。
参见图23，在一些实施例中，API接口方式可以采用广域网，也可以采用专线接入。采用广域网时，可以采用与web网页登录方式相同的安全机制；采用专线接入时，则可以采用如下机制，以加强安全性：IP白名单机制，采用专线接入时，客户接入设备IP一般是固定的，相当于是客户的一个身份属性特征，因此可以采用IP白名单机制，当换汇平台系统后台服务端发现收到的客户发送的请求与客户绑定的IP白名单不一致时，即拒绝客户的请求；双向认证机制，通过证书的方式，双方认证彼此。其中换汇平台系统后台服务端可以向授信的根证书颁发机构购买证书，用以证明自己的身份；客户证书则可以由换汇平台系统生成并颁发给客户，客户用以证明自己的身份。在其他实施例中，还可以采用web网页登录方式的信息加密和签名机制，来加固安全。
继续参考图23，还可以利用防火墙将各服务器划分为域外和域内，域外服务器需要穿墙连接域内服务器，防火墙负责穿墙流量的检测与拦截，从而提升系统整体安全性。在整个系统中，客户登录网关子系统、银行网关子系统属于域外，直接与外部连接；其他子系统(客户资料子系统、交易子系统、订单子系统、余额账户子系统等)属于域内。
继续参见图23，在一些实施例中，域内子系统服务器上可以部署客户资料子系统、交易子 系统、订单子系统、余额账户子系统等子系统模块。对于访问量大，CPU消耗大的子系统(如余额账户子系统)可以独立部署(即一台服务器上只部署这一个子系统)，对于访问量小、消耗资源少的子系统(如客户资料子系统)可以混合部署(即一台服务器上部署多个子系统)，从而更好的利用服务器资源，节约硬件成本。
在步骤S320中，根据所述目标数据资源转移数额，确定原始数据资源转移数额。
在示例性实施例中，根据所述目标数据资源转移数额，确定原始数据资源转移数额，可以包括：获取所述目标数据资源类型和所述原始数据资源类型之间的基准指标；根据所述基准指标生成所述目标数据资源类型和所述原始数据资源类型之间的报价指标；根据所述报价指标和所述目标数据资源转移数额，确定所述原始数据资源转移数额；冻结所述目标服务对象的所述原始数据资源类型的第一类系统账户中的所述原始数据资源转移数额。
还是以换汇请求为例，这里的基准指标可以是基准汇率，即获取本币与外币之间的基准汇率，然后换汇平台系统可以对基准汇率进行加点，例如基准汇率是6.8，设定的加点点数为0.1，则对客户提供的报价指标(也可以称之为报价汇率)则为6.9，根据报价汇率和指定买入外币金额例如100美元，则可以计算获得原始数据资源转移数额为690元人民币，即为客户应付本币金额。可以利用图22中的汇率管理子系统来实现，汇率管理子系统主要负责以下工作：通过银行接口，定时获取各个银行的参考汇率，并经过一定的计算规则(例如所有银行的平均值、中位数、加权平均值、最大值、最小值等计算规则)，计算出换汇平台的基准汇率；客户发送换汇请求时，根据系统给客户配置的加价规则，在平台的基准汇率基础上计算出客户的报价汇率；监控银行汇率异常：通过同一时刻不同银行间的汇率差异、同一银行不同时刻的汇率波动，发现银行参考汇率的异常情况，避免异常汇率录入系统，进而影响平台的基准汇率的生成。
这里的加价规则可以是如上述的加点，也可以加百分比。对于不同客户，可以设置为共用同一个固定的加价规则，也可以根据不同客户配置不同的加价规则，例如可以综合考虑客户的信用评级、历史累计换汇总额等情况进行配置。
本申请实施例中，第一类系统账户可以是负债类账号或者账户，与其相对应的第二类系统账户可以是资产类账号或账户。当确定了客户应付本币金额之后，则可以将该客户的与本币例如人民币对应的负债类账号中的客户应付本币金额例如690元人民币冻结。
例如，图22中的交易子系统负责处理客户的交易请求例如换汇请求。处理过程如下：交易子系统收到客户发送的换汇请求后，调用汇率管理子系统的相关接口，计算出给客户的报价汇率，并根据客户指定买入外币金额即购汇外币金额计算出相应的客户应付本币金额即本币扣款金额。然后调用订单子系统生成订单，并调用余额账户子系统，冻结客户与该客户应付本币金额相等的本币余额，受理成功后，将报价信息(包括报价汇率和本币扣款金额)返回给客户。此过程对应购汇发起阶段。
在示例性实施例中，在冻结所述目标服务对象的所述原始数据资源类型的第一类系统账户中的所述原始数据资源转移数额之前，还可以包括：获得所述目标服务对象的所述原始数据资源类型的第一类系统账户中的剩余数额；若所述剩余数额小于所述原始数据资源转移数额，则从系统中间户的所述原始数据资源类型的第一类系统账户中将所述原始数据资源转移数额转移至所述目标服务对象的所述原始数据资源类型的第一类系统账户中。
例如，当该客户的与本币对应的负债类账号中的剩余数额(也可以称之为账户余额)小于客户应付本币金额时，利用本申请实施例的方案，可以从换汇平台系统提供的系统中间户(也可以称之为“垫资中间户”)的与本币对应的负债类账号中将等于客户应付本币金额的钱转移至该客户的与本币对应的负债类账号中。
在示例性实施例中，所述方法还可以包括：从所述系统中间户的所述原始数据资源类型的第二类系统账户中将所述原始数据资源转移数额转移至所述目标服务对象的所述原始数据资源类型的第二类系统账户中。可以参照下述的与垫资相关的实施例。
在示例性实施例中，获得所述目标服务对象的所述原始数据资源类型的第一类系统账户中的剩余数额，可以包括：获取所述目标服务对象的外部编号；根据所述外部编号查找所述目标服务对象的客户账户关联表，获得所述目标服务对象的所述原始数据资源类型的第一类系统账 户；根据所述目标服务对象的所述原始数据资源类型的第一类系统账户，查找所述目标服务对象的账户余额表，获得所述目标服务对象的所述原始数据资源类型的第一类系统账户中的剩余数额。实现可以参照下述图8和9的实施例。
在一些实施例中，图22中的余额账户子系统负责记录系统各个账户的余额信息(包括各个账户的账户余额表)和流水信息。此处的账户可以包括本申请实施例中提及的各类账户，包含银行账户、客户资产类账户、客户负债类账户、固定收益账户、浮动损益账户、垫资中间户等。
在示例性实施例中，所述方法还可以包括：确定当前类型，所述当前类型包括所述目标数据资源类型和所述原始数据资源类型；根据所述当前类型查询所述目标服务对象的客户账户关联表；若所述客户账户关联表中不存在与所述当前类型对应的第一类系统账户和第二类系统账户，则生成与所述当前类型对应的第一类系统账户和第二类系统账户；将与所述当前类型对应的第一类系统账户和第二类系统账户，写入所述客户账户关联表。
本申请实施例中，所述当前类型可以包括该目标服务对象根据所需，指定开立相应币种的客户账号(包括负债类账号和资产类账号)中的任意一种币种。可以参照下图9的实施例。
例如，可以通过图22中的客户资料子系统负责客户的注册、身份认证等基础功能，维护客户资料信息(例如客户的基本信息)、客户账户关联信息(例如客户账户关联表)。客户资料子系统作为基础服务，为其他子系统提供客户信息管理、登录认证管理、账户注册等接口。
在示例性实施例中，还可以包括：根据所述当前类型查询所述目标服务对象的账户余额表；若所述账户余额表中不存在与所述当前类型对应的第一类系统账户和第二类系统账户，则将与所述当前类型对应的第一类系统账户和第二类系统账户，写入所述账户余额表。
在示例性实施例中，还可以包括：生成所述目标服务对象的外部编号；生成与所述外部编号对应的所述目标服务对象的内部编号；将所述外部编号和所述内部编号写入所述目标服务对象的客户账户关联表。
在步骤S330中，将所述数据资源转移请求发送至目标服务提供对象。
在步骤S340中，从所述目标服务提供对象获取响应于所述数据资源转移请求的响应信息，所述响应信息包括所述原始数据资源类型的实际扣减数额。
参照图22，银行网关子系统负责对接各个银行渠道，将交易子系统的请求例如数据资源转移请求发送到银行，并将银行的响应信息返回给交易子系统。
在实际实施时，交易子系统将客户的交易订单通过银行网关子系统发送到相应的银行，银行将购汇结果作为响应信息返回给换汇平台系统，返回的响应信息中可以包含实际成交汇率、实际成交金额(即实际扣减数额)等信息。
一般而言，不同的银行系统差异较大，例如有的银行是接口形式交互，有的银行是文件形式交互；同一类型的交互方式也面临着接口参数或文件格式的差异。银行网关子系统通过适配各个银行渠道，为内部交易子系统屏蔽银行差异，提供统一的流程，从而使得内部交易子系统逻辑更清晰简洁，便于系统维护和升级。
参见图23，在一些实施例中，银行网关子系统可以部署于银行网关服务器上。域内服务器经过防火墙与域外的银行网关服务器连接，银行网关服务器再通过广域网或专线形式与外部银行的系统对接。对于银行网关服务器与外部银行服务器交互的安全机制，可以采用外部客户的接入设备与客户登录网关服务器的类似方案，保证双方交互的安全性。
在步骤S350中，根据所述目标数据资源转移数额和所述实际扣减数额，获得所述原始数据资源类型的权益数额。
在示例性实施例中，所述权益数额可以包括固定收益和浮动损益。
其中，根据所述目标数据资源转移数额和所述实际扣减数额，获得所述原始数据资源类型的权益数额，可以包括：根据所述目标数据资源转移数额和所述报价指标，获得报价数额；根据所述目标数据资源转移数额和所述基准指标，获得基准数额；根据所述报价数额和所述基准数额，获得所述原始数据资源类型的固定收益；根据所述实际扣减数额和所述基准数额，获得所述原始数据资源类型的浮动损益。
本申请实施例中，报价数额可以等于指定买入外币金额与报价汇率的乘积，因此也可以称 之为报价金额。基准数额可以等于指定买入外币金额与基准汇率的乘积，因此也可以称之为基准金额。报价金额与基准金额之间的差异值，可以作为本币固定收益。基准金额与银行返回的实际成交金额之间的差异，可以作为本币浮动损益。
在步骤S360中，根据所述权益数额、所述原始数据资源转移数额、所述实际扣减数额和所述目标数据资源转移数额，进行所述目标服务对象的第一类系统账户、所述目标服务提供对象的第二类系统账户、以及系统权益账户之间的数额转移。
在示例性实施例中，所述系统权益账户可以包括固定收益账户和浮动损益账户。其中，根据所述权益数额、所述原始数据资源转移数额、所述实际扣减数额和所述目标数据资源转移数额，进行所述目标服务对象的第一类系统账户、所述目标服务提供对象的第二类系统账户、以及系统权益账户之间的数额转移，可以包括：解冻所述目标服务对象的所述原始数据资源类型的第一类系统账户中的所述原始数据资源转移数额；从所述目标服务对象的所述原始数据资源类型的第一类系统账户中转移所述固定收益至所述原始数据资源类型的固定收益账户；从所述目标服务对象的所述原始数据资源类型的第一类系统账户中转移所述浮动损益至所述原始数据资源类型的浮动损益账户；从所述目标服务对象的所述原始数据资源类型的第一类系统账户中转移所述实际扣减数额至所述目标服务提供对象的所述原始数据资源类型的第二类系统账户；从所述目标服务提供对象的与所述目标数据资源类型对应的第二类系统账户中转移所述目标数据资源转移数额至所述目标服务对象的所述目标数据资源类型的第一类系统账户。
本申请实施例中，交易子系统可以根据汇率管理子系统给客户地报价汇率、银行网关子系统返回的银行实际成交金额计算固定收益和浮动损益，然后调用订单子系统更新订单信息与状态，调用余额账户子系统完成客户账户(包括目标服务对象的第一类系统账户)、银行账户(对应目标服务提供对象的第二类系统账户)、权益类账户(对应系统权益账户)的余额加减操作。此过程对应购汇回导阶段。
参见图22，在一些实施例中，账务审批子系统负责购汇的审批流程，主要提供给财务人员使用。由于购汇等金额操作具有较高的资金风险，为了避免人工或系统的错误造成的金额差错等风险，财务人员需要对提交到银行的换汇请求等进行审批，审批通过后才能发送到银行。
本申请实施方式提供的数据资源处理方法，当系统接收到来自目标服务对象的数据资源转移请求时，系统可以自动根据数据资源转移请求中携带的目标数据资源转移数额确定原始数据资源转移数额，并获取针对该数据资源转移请求的响应信息，还可以根据原始数据资源转移数额和响应信息中携带的实际扣减数额，确定权益数额，从而可以根据该权益数额、该原始数据资源转移数额、该实际扣减数额和该目标数据资源转移数额，进行目标服务对象和目标服务提供对象等各类系统账户之间的数额转移；如此，运算量较小，占用的系统资源较少，运行速度较快，能够及时、准确地响应来自目标服务对象的数据资源转移请求；另一方面，用户只需要一键提交数据资源转移请求，系统即可自动完成各类系统账户之间的数额转移，当其应用于外汇交易场景时，可以实现外汇服务的自动化、智能化。
下面结合图4-25对本申请实施例提供的方法进行举例说明，但本申请并不限定于此。
本申请实施例创建了一种支持多币种、可垫资的外汇交易底层账户体系及资金清算方案。首先，每个客户可以在换汇平台开立多个币种账户，用于记录客户各个币种余额信息，为客户进行货币兑换建立基础。其次，本申请实施例设计了一种基于负债类+欠款类双账户的垫资和平账方案，允许客户在账户余额不足的情况下，提交交易请求，并在余额充足的时候平账。再次，本申请实施例采用会计学中的复式记账法，进行资金清算，保证了系统账户资金流的清晰、可核对，保障了账户资金的安全。
其中，复式记账法是任何一项经济业务的发生，都会引起资产和负债的至少两个项目发生增减变动，而且增减的金额相等。因此，在反映每一项经济业务时，应当以相等的金额，同时在相关的至少两个账户中进行登记。这种对发生的每一项经济业务，都要以相等的金额，在相互联系的两个或两个以上账户进行登记的方法，叫做复式记账法。因此对每一笔经济业务的发生，都可以以相等的金额在两个或两个相关账户中作等额双重记录。这种记账如实反映了经济 事物的客观联系，是一种科学的记账方法。可以全面、清晰地反映出经济业务的来龙去脉，而且还能通过会计要素的增减变动，全面系统地反映经济活动的过程和结果。
首先描述系统账户体系的实现方案，主要包括：(1)账户分类；(2)账户关键信息；(3)账户关联方法；(4)账户体系整体图例；(5)账户创建流程图。如下：
首先，按照会计学理论，将账户分为资产类、负债类、所有者权益类，并遵循如下会计准则：
∑资产＝∑负债+∑所有者权益      (1)
其中，所有者权益，是指资产扣除负债后，由所有者享有的剩余权益。
然后，按照账户所有者对应的实体，可以分为以下几种：
(1.1)客户账户
由客户申请创建，每个客户每个币种都包含以下两个账户，即每个客户每个币种均同时包括第一类系统账户和第二类系统账户：
负债类账户：保存客户在换汇平台系统的余额信息，余额表示平台“欠”客户多少钱，因此属于会计学上的负债类账户。
例如，某个客户在换汇平台系统进行了人民币充值100元的操作，则客户对应的负债类账户人民币余额增加100元。
资产类账户：保存客户在换汇平台系统的欠款余额信息，欠款余额表示客户“欠”平台多少钱，因此属于会计学上的资产类账户。
例如，某个客户在换汇平台系统余额不足，向换汇平台申请垫资交易人民币100元，则该客户对应的资产类账户人民币余额增加100元。
需要注意的是：客户在正常交易中，均使用客户负债类账户进行清算；只有在余额不足垫资时，才需要在客户资产类账户上记一笔账表示欠款。
(1.2)渠道账户(以下也称之为银行账户)：保存换汇平台系统在渠道侧的余额信息，余额表示平台在银行渠道账户的资金余额，因此属于会计学上的资产类账户。每个渠道每个币种一个账户。对于银行账户而言，其相对换汇平台均为资产类账户，即第二类系统账户。
例如，系统为换汇平台提供了100元人民币启动资金，保存在XX银行，则XX银行人民币余额增加100元，这100元即记为换汇平台的资产。
(1.3)垫资中间户：用于记录客户垫资“借钱”、平账“还钱”的信息。为了满足会计学上对的“借贷必相等”原则，垫资中间户每个币种需要2个账户，即与客户类似的，垫资中间户每个币种均同时包括第一类系统账户和第二类系统账户：
负债类账户：与客户的负债类资产对应。用于承担垫资及平账过程中，与客户的负债类资产的资金清算。
资产类账户，与客户的资产类账户对应。用于承担垫资及平账过程中，与客户的资产类账户的资金清算。
(1.4)固定收益账户：记录换汇平台的固定加价带来的收益余额。余额表示平台的固定收益，因此属于会计学上的所有者权益类账户。
(1.5)浮动损益账户：记录换汇平台的汇率波动带来的浮损余额。余额表示平台的浮动损益，因此属于会计学上的所有者权益类账户。
本申请实施例中，将固定收益账户和浮动损益账户统称为权益户，但两者实际上具有各自独立的账户。为了简化起见，将固定收益账户和浮动损益账户作为换汇平台的负债类账户，即第一类系统账户，则上述公式(1)可以简化为以下公式：
∑资产＝∑负债       (2)
因此，系统内会有如下表1所示的账户：
表1系统账户
Figure PCTCN2020128289-appb-000001
Figure PCTCN2020128289-appb-000002
上述表1中，固收户是固定收益账户的简称，浮损户是浮动损益账户的简称。其中，系统中可以存在多家银行、多家客户(由系统对接的银行数量和客户数量决定)，固收户、浮损户、垫资中间户每个只需提供一个即可，即对于换汇平台系统而言，不同客户共用同一个固收户、同一个浮损户和同一个垫资中间户。而系统又支持多币种，因此每个账户每个币种有单独的账号，每个币种账号单独记账。
每一类账户(客户、渠道或者银行、垫资中间户、权益户)都有一个账户余额表(这里的权益户包含了固定收益账户和浮动损益账户，他们都可以归类为平台收益，二者是独立的账号，各自有各自的账户余额表)，表中每一行记录表示一个系统账号，记录各个账户在系统中的余额，账户余额关键信息如下表2所示：
表2账户关键信息
Figure PCTCN2020128289-appb-000003
上述表2中，中间户是垫资中间户的简称。CNY代表币种为人民币，在下文中USD代表币种为美元，HKD代表币种为港币。在会计学上，有公式“资产＝负债+所有者权益”，固定收益账户和浮动损益账户都属于权益类账户，这里为了简化账户系统，将权益类账户视同负债类账户，也即简化为“资产＝负债”。
此外，还可以有一个账户流水表，用于记录每次账户资金变动的详细情况，同时还可以用于会计核算、对账。每次操作账户资金，修改账户余额时，需要新增一条账户流水。账户流水表中记录了本次资金操作的交易双方账户、币种、金额、交易类型、交易时间等关键要素，如下表3所示：
表3账户流水表
Figure PCTCN2020128289-appb-000004
Figure PCTCN2020128289-appb-000005
上述表3中，余额账号实际上就是上述表2中相应账户的系统账号。
经过上面的描述，整体账户体系描述如下，其中可以分为客户账户体系、银行账户体系、垫资中间户账户体系和所有者权益账户体系。
图4示意性示出了本申请实施例的客户账户体系的示意图。
如图4所示，以商户C作为外部客户为例进行举例说明，每个客户可以开立多个币种账户，客户的外部编号Client_id、客户的内部编号uid与系统账号之间通过币种等关键要素进行关联，这里假设商户C在注册系统账户时，选择要开立的币种为人民币CNY，港币HKD、…以及其他货币币种Cur_n一共n种币种，n为大于或等于1的正整数。系统为其生成这些币种的系统账号，例如CNY负债类账户acno_11，CNY资产类账户acno_12，HKD负债类账户acno_21，HKD资产类账户acno_22，Cur_n负债类账户acno_n1，Cur_n资产类账户acno_n2。
图5示意性示出了根据本申请一实施例的银行账户体系的示意图。
如图5所示，银行类账户即下游渠道账户，这里以银行B作为渠道为例进行举例说明，每个渠道也可以开立多个币种账户，银行B的外部编号bank_type、银行B的内部编号uid与系统账号之间通过币种等关键要素进行关联，这里还是以CNY、HKD、…以及其他货币币种Cur_n为例，系统为其生成这些币种的系统账号，例如银行B的CNY账户acno_1，HKD账户acno_2，Cur_n账户acno_n。
图6示意性示出了根据本申请一实施例的垫资中间户账户体系的示意图。
如图6所示，垫资中间户也可以开立多个币种账户，垫资中间户的外部编号Loan_type、内部编号uid与系统账号之间通过币种等关键要素进行关联，这里以人民币、港币和美元为例进行举例说明，为垫资中间户开立CNY负债类账户acno_11，CNY资产类账户acno_12，HKD负债类账户acno_21，HKD资产类账户acno_22，USD负债类账户acno_31，USD资产类账户acno_32。
图7示意性示出了根据本申请一实施例的权益户账户体系的示意图。
如图7所示，这里以权益户P代表固定收益账户和浮动损益账户，二者有各自的账户，权益户P的外部编号Profit_id、内部编号uid与系统账号之间通过币种等关键要素进行关联，例如为权益户P生成了CNY账户acno_1，HKD账户acno_2，Cur_n账户acno_n。
下面描述各账户的创建流程，账户创建也区分客户类账户、银行类账户、垫资中间户和权益类账户。
图8示意性示出了根据本申请一实施例的创建客户基本信息的流程图。如图8所示，本申请实施例中，创建客户基本信息可以包括以下步骤。
在步骤S810中，为商户C生成外部编号Client_id。
在步骤S820中，为商户C生成内部编号uid。
在步骤S830中，记录客户基本信息。
这里的商户C首先需要区分是个人客户还是企业客户。如果是个人客户，则客户基本信息可以包括商户C的姓名、身份证号码、手机号码、家庭住址等类似个人信息。如果是企业客户，则这里的客户基本信息可以包括企业基本信息，如企业名称、地址、联系方式、企业法人信息等。
本申请实施例可以为外部客户创建多个币种的系统账号，但是客户不必记录多个币种的账号，使得客户管理尽量简便。做法是通过建立客户与系统账户的关联关系来实现，例如某个客户M，进行如下操作：
(1)为其分配一个客户的外部编号Client_id，客户通过Client_id登录、查询其在系统内的账户余额信息。
(2)为了方便内部管理，为每个Client_id创建一个客户内部编号uid，uid对客户不可见。外部编号是直接提供给外部客户的，客户使用它登录换汇平台系统，内部编号是换汇平台系统内部记录使用的。通过映射表维护二者关系。这样的好处是更加灵活，同时底层系统的数据信息不会对外暴露，更加安全。
(3)最后使用一个关联关系表来管理客户与各币种账户之间的关联关系，例如客户账户关联表关键信息如下表4所示：
表4客户账户关联表
Figure PCTCN2020128289-appb-000006
图9示意性示出了根据本申请一实施例的创建客户余额账户的流程图。如图9所示，本申请实施例中创建客户余额账户可以包括以下步骤。
在步骤S901中，查询客户账户关联表。
首先，确定商户C指定要开立的币种有哪些，然后对这些币种按照步骤S901-909遍历处理一遍，逐个币种生成商户C的客户账户关联表中的各个币种对应的负债类账号和资产类账号。
在步骤S902中，判断商户C同币种账号是否已存在；若不存在，则进入步骤S903；若存在，则跳转到步骤S906。
在步骤S903中，生成负债类账号acno。
在步骤S904中，生成资产类账号acno。
在步骤S905中，将负债+资产类账号写入客户账户关联表。
这里以其中的任意一个币种为例进行举例说明，首先查询客户账户关联表，判断该币种的负债类账号和资产类账号是否已经存在于该商户C的客户账户关联表中，若不存在，则为该商户C生成该币种的负债类账号和资产类账号，并将生成的该币种的负债类账号和资产类账号写入商户C的客户账户关联表中。若已经存在，则该币种的本次操作已经完成。
在步骤S906中，查询客户账户余额表。
这里的客户账户余额表即上述表2中的账户余额关键信息，这是一个通用的表，客户账户、固定收益账户、浮动损益账户、垫资中间户、银行渠道账户都可以使用这个表。在数据库层面，不同账户的余额表是不同的表(即table)，有不同的表名，但表的字段是相同的。
在步骤S907中，判断acno余额账号是否已存在；若已存在，则跳转到步骤S909；若不存在，则进入步骤S908。
在步骤S908中，将负债+资产类账号写入客户账户余额表。
将生成的该客户的该币种的负债类账号和资产类账号分别作为客户账户余额表中相应币种的余额账号。其中，账户关联表是用于关联客户外部编号Client_id(或银行外部编号bank_type等)与余额账号acno之间的映射关系，不记录余额。账户余额表才记录余额。这样做的好处是，系统分层，便于开发与维护：关联表属于客户资料范畴，账户余额表属于底层账户体系。
以任意一个客户为例，查询客户余额时，先通过客户账户关联表的Client_id查找到acno，再通过客户账户余额表的acno查找到这个账户的余额。
在步骤S909中，结束本次操作。
图10示意性示出了根据本申请一实施例的创建银行基本信息的流程图。如图10所示，本申请实施例中，创建银行基本信息可以包括以下步骤。
在步骤S1010中，为银行B生成外部编号bank_type。
在步骤S1020中，为银行B生成内部编号uid。
在步骤S1030中，记录银行基本信息。
这里的银行基本信息可以包括银行名称、地址等类似信息。
同时，还要记录每家渠道在系统内的各个账户关联关系。做法是：(1)为每家渠道银行分配一个渠道银行外部编号bank_type，财务通过bank_type来区分各家银行，进行账目管理。(2)同样的，为了方便内部管理，为每个bank_type创建一个银行内部编号uid，uid对财务不可见。(3)最后使用一个渠道银行关联关系表来管理渠道银行与各币种账户之间的关联关系。渠道银行账户关联表关键信息如下表5所示：
表5渠道银行账户关联表
Figure PCTCN2020128289-appb-000007
图11示意性示出了根据本申请一实施例的创建银行余额账户的流程图。如图11所示，本申请实施例中，创建银行余额账户可以包括以下步骤。
在步骤S1101中，查询银行账户关联表。
在步骤S1102中，判断银行B同币种账号是否已存在；若不存在，则进入步骤S1103；若存在，则跳转到步骤S1105。
在步骤S1103中，生成账号acno。
在步骤S1104中，将账号写入银行账户关联表。
在步骤S1105中，查询银行账户余额表。
在步骤S1106中，判断acno余额账号是否已存在；若已存在，则跳转到步骤S1108；若不存在，则进入步骤S1107。
在步骤S1107中，将账号写入银行账户余额表。
在步骤S1108中，结束本次操作。
图12示意性示出了根据本申请一实施例的创建垫资中间户基本信息的流程图。如图12所示，本申请实施例中，创建垫资中间户基本信息可以包括以下步骤。
在步骤S1210中，为垫资中间户生成外部编号loan_type。
在步骤S1220中，为垫资中间户生成内部编号uid。
在步骤S1230中，记录垫资中间户基本信息。
中间户基本信息可以包括中间户外部编号、中间户用途，中间户备注信息等。
最后，还需要为垫资中间户创建账号，并记录垫资中间户与各个币种账号的关联关系。做法是：
(1)为垫资中间户分配一个外部编号loan_type，财务通过loan_type来识别垫资中间户，进行账目管理。
(2)同样的，为了方便内部管理，为每个loan_type创建一个垫资中间户内部编号uid，uid对财务不可见。
(3)使用一个垫资中间户关联关系表来管理垫资中间户<-->各币种账户之间的关联关系。垫资中间户关联表关键信息如下表6所示：
表6垫资中间户关联表
Figure PCTCN2020128289-appb-000008
图13示意性示出了根据本申请一实施例的创建垫资中间户余额账户的流程图。如图13所示，本申请实施例中，创建垫资中间户余额账户可以包括以下步骤。
在步骤S1301中，查询垫资中间户账户关联表。
在步骤S1302中，判断垫资中间户同币种账号是否已存在；若不存在，则进入步骤S1303；若存在，则跳转到步骤S1306。
在步骤S1303中，生成负债类账号acno。
在步骤S1304中，生成资产类账号acno。
在步骤S1305中，将负债+资产类账号写入垫资中间户账户关联表。
在步骤S1306中，查询垫资中间户账户余额表。
在步骤S1307中，判断acno余额账号是否已存在；若已存在，则跳转到步骤S1309；若不存在，则进入步骤S1308。
在步骤S1308中，将负债+资产类账号写入垫资中间户账户余额表。
在步骤S1309中，结束本次操作。
图14示意性示出了根据本申请实施例的创建权益户基本信息的流程图。如图14所示，本申请实施例中，创建权益户基本信息可以包括以下步骤。
在步骤S1410中，为权益户P生成外部编号profit_id。
在步骤S1420中，为权益户P生成内部编号uid。
在步骤S1430中，记录权益户P基本信息。
这里的权益基本信息可以包括权益户的外部编号和内部编号，权益户账户类型(固定收益账户或者浮动损益账户)，账户用途等备注。
然后，记录权益户与各币种账号之间的关联关系，权益户账户关联表关键信息如下表7所示：
表7权益户账户关联表
Figure PCTCN2020128289-appb-000009
Figure PCTCN2020128289-appb-000010
上述表7中，固定收益账户和浮动损益账户是独立的，可以通过profit_id进行区分。
图15示意性示出了根据本申请实施例的创建权益户余额账户的流程图。如图15所示，本申请实施例中，创建权益户余额账户可以包括以下步骤。
在步骤S1501中，查询权益户账户关联表。
在步骤S1502中，判断权益户P同币种账号是否已存在；若不存在，则进入步骤S1503；若存在，则跳转到步骤S1505。
在步骤S1503中，生成账号acno。
在步骤S1504中，将账号写入权益户账户关联表。
在步骤S1505中，查询权益户账户余额表。
在步骤S1506中，判断acno余额账号是否已存在；若已存在，则跳转到步骤S1508；若不存在，则进入步骤S1507。
在步骤S1507中，将账号写入权益户账户余额表。
在步骤S1508中，结束本次操作。
在很多场景中，客户余额不足时，需要由垫资中间户“借钱”给客户，因此需要记录每个客户的垫资欠款情况；最后，还需要将客户从垫资中间户借的钱归还，因此还需要一个平账程序。垫资平账流程不单可以用在外汇交易平台例如换汇平台中，还可以抽象成通用的方案，从而使得其在各个业务场景(如垫资购汇、付汇、普通贷款等)下都能使用。
在前面的账户体系设计中，设计了双账户方案。其中，客户资产类账户记录客户的欠款余额，客户负债类账户记录客户的可交易余额。此处客户资产类账户类似于透支额/信用卡余额/贷款余额，而客户负债类账户相当于借记卡余额/第三方支付钱包中的余额。
当需要垫资时，垫资中间户的资产类账户出钱，客户资产类账户入钱；垫资中间户的负债类账户出钱，客户负债类账户入钱。各个账户出入金额相等。
例如，如图16A所示，垫资中间户的CNY币种的资产类账户借出￥690给CNY币种的客户资产类账户。同时，垫资中间户的CNY币种的负债类账户借出￥690给CNY币种的客户负债类账户。
表8垫资资金流
Figure PCTCN2020128289-appb-000011
平账也可称之为还款。在前述垫资流程中，客户欠款余额等于客户资产类账户余额，还款额不高于欠款余额即可。在平账时，资金流方向与垫资时正好相反：客户资产类账户出钱，垫资中间户的资产类账户入钱；客户负债类账户出钱，垫资中间户的负债类账户入钱。各个账户出入金额相等。
例如，如图16B所示，客户的CNY币种的资产类账户出￥690给CNY币种的垫资中间户资 产类账户。同时，客户的CNY币种的负债类账户借出￥690给CNY币种的垫资中间户负债类账户。
表9平账资金流
Figure PCTCN2020128289-appb-000012
图17示意性示出了根据本申请实施例的购汇发起的流程图。
如图17所示，本申请实施例中，购汇发起阶段可以包括以下步骤。
在步骤S1701中，接受客户换汇请求。
在外汇交易中，系统受理客户发送的换汇请求、完成换汇后，需要进行系统资金清算。系统受理客户发送的换汇请求，客户指定买入、卖出货币的币种，即指定本币和外币分别是什么，以及指定买入外币金额是多少。
在步骤S1702中，获取基准汇率。
在步骤S1703中，对客户进行汇率加价。
在步骤S1704中，计算客户应付本币金额。
在步骤S1705中，判断客户余额是否充足；若不充足，则进入步骤S1706；若充足，则跳转到步骤S1707。
在步骤S1706中，垫资中间户借钱。
在步骤S1707中，冻结客户本币金额。
在步骤S1708中，结束。
系统根据市场基准汇率+固定加价对客户进行报价，并计算客户应付本币金额，并冻结客户本币资金；若客户账户余额不足，则由垫资中间户先垫资“借钱”给客户，再冻结客户本币资金。
图18示意性示出了根据本申请实施例的购汇回导的流程图。如图18所示，本申请实施例中，购汇回导阶段可以包括以下步骤。
在步骤S1801中，接受银行返回结果。
系统将换汇请求提交到下游渠道银行，换汇请求中包括买入、卖出货币，指定买入外币金额。渠道银行返回购汇结果作为响应信息，其中包含实际成交汇率和实际扣款本币金额。
在步骤S1802中，判断是否购汇成功；若购汇成功，则进入步骤S1803；若购汇失败，则跳转到步骤S1807。
在步骤S1803中，解析实际成交金额。
在步骤S1804中，计算固定收益。
在步骤S1805中，计算浮动损益。
系统根据给客户的报价金额、系统的基准金额、渠道的实际成交金额，计算固定收益和浮动损益，计算公式可以如下：
固定收益(本币)＝报价金额-基准金额      (3)
浮动损益(本币)＝实际成交金额-基准金额        (4)
其中：
报价金额＝指定买入外币金额*报价汇率     (5)
基准金额＝指定买入外币金额*基准汇率     (6)
报价汇率＝基准汇率+加价点数       (7)
在步骤S1806中，各账户间进行资金清算。
按照上述计算金额，进行各个账户之间的金额转移。
在步骤S1807中，解冻客户本币金额。
在步骤S1808中，结束。
下面对换汇流程资金清算进行举例说明。以客户发起CNY-USD换汇请求(即客户请求将CNY换成USD，其他货币同理)为例，说明资金清算流程：
(1)在客户换汇发起请求阶段，假定客户请求、市场基准汇率参数如下表10所示：
表10换汇请求发起
Figure PCTCN2020128289-appb-000013
经过加价计算后，需要冻结客户CNY￥690，若客户余额不足，则需要从垫资中间户账户中垫资“借款”￥690，资金流如下图19所示。
如图19所示，垫资中间户的CNY资产类账户借出￥690至客户的CNY资产类账户。垫资中间户的CNY负债类账户借出￥690值客户的CNY负债类账户，并冻结客户的CNY负债类账户中的￥690。
表11客户换汇发起资金流
Figure PCTCN2020128289-appb-000014
以全额借款方式为例进行举例说明，即在垫资过程中，不需要考虑客户对应币种的账户余额为多少，只要其余额不足，就向系统提供的垫资中间户借相同币种的客户应付本币金额，例如上述举例中，即使客户的人民币余额有200元，也会借690元，而不是借490元人民币，全额借款方式更简单便捷。
在其他实施例中，也可以采用差额借款方式，即首先考虑客户该币种的账户余额为多少，然后计算客户应付本币金额与本币的账户余额之间的差值作为向垫资中间户所借的钱的多少。
在垫资过程中，客户资产类账户用于记录客户欠款，客户资产类账户余额表示该客户欠款余额，而垫资中间户资产类余额可以表示当前所有客户欠款余额。
客户负债类账户余额则用于实际交易，因此冻结资金记在客户负债类账户上。
此外，购汇发起阶段，不涉及物理银行账户变动，因此只有系统资金流，没有物理资金流。
购汇回导阶段，假设实际成交结果如下表12所示：
表12购汇回导
Figure PCTCN2020128289-appb-000015
可以看到，由于实际成交汇率与购汇发起时汇率不同，因此实际成交金额与基准金额不一致，进而会产生浮动损益；同时，客户购汇发起时，换汇平台对客户进行汇率加价，因此也会产生固定收益。
如图20所示，根据上述换汇结果，物理资金流是从XX银行的CNY账户支出￥675至外汇交易市场，外汇交易市场返回USD$100至XX银行的USD账户。
图21示意性示出了根据本申请一实施例的系统资金流的示意图。
如图21所示，根据上述换汇结果，系统资金流是从客户的CNY负债类账户解冻出￥690，并将这￥690中的￥10转移至固定收益的CNY账户，并将这￥690中的￥675至XX银行的CNY账户，并将这￥690中的￥5至浮动损益的CNY账户。同时，XX银行的USD账户将USD$100转移至客户的USD负债类账户。如下表13所示：
表13
Figure PCTCN2020128289-appb-000016
Figure PCTCN2020128289-appb-000017
需要说明的是，在物理资金流中，XX银行购汇完成以后，会在换汇平台物理账户里面记一笔CNY 675的扣减、一笔USD 100元的增加。而系统资金流中，XX银行系统账户变动对应物理账户变动，同时还有客户负债账户及收益账户之间的清算。
本申请实施例中，上述各类表均可以存储于数据库服务器中。其中，数据库软件可以采用开源的MySQL(关系型数据库管理系统)服务器，降低采购成本，但本申请并不限定于此。
参见图23，在一些实施例中，数据库采用一主多备(即一台主机+多台备机)的架构，通过半同步或MySQL组复制(MySQL Group Replication,MGR)技术构建数据库高可用系统，提高数据库的健壮性。
本申请实施例提供的技术方案可以作为底层组件模块，为上层业务提供支撑。可以应用到如下场景：
(1)购汇交易业务，以换汇平台为例，可以为换汇平台接入客户、下游渠道提供最基础的底层账户系统。换汇平台通过使用这一套账户体系，可以接入多家客户、下游渠道，数量不受限制。同时，可以根据客户实际需要、渠道实际支持的能力，为客户、渠道灵活创建不同的币种账户。
如果换汇平台同时接收到海量的购汇请求，考虑扩展性，可以采用分布式架构，包括提供接入层的就近接入，流量的负载均衡及过载保护机制、系统模块的多机部署等等。
(2)代收代付业务，相比当前的单币种(人民币)代收代付系统，使用本申请实施例提供的账户体系后，可以支持多币种代收代付业务，为业务发展带来更多商业应用场景。
其中，代收代付业务是指各金融机构利用自身的结算便利，接受客户的委托代为办理指定款项的收付事宜的业务。
(3)个人信贷业务，在互联网金融中，个人信贷业务是很重要的一块。本申请实施例提供的账户体系和资金清算方案，契合信贷业务场景，可以为之所用。
同时，本申请实施例提供的方法作为一种底层账户体系方案，可以运用在多种业务场景下，尤其适用于外汇交易业务中，具有如下优点：方案适用场景广，系统账户设置灵活度高；客户余额不足时，可以通过垫资中间户“借钱”给客户，大大提升了业务的灵活性；通过双账户方案，可以实时查看每个客户欠款余额，方便追款。
在其他实施例中，还可以针对垫资欠款设计相应的手续费和利息征收方案。
上述实施例中，只记录了购汇流程中的垫资过程，在付汇流程中，同样可以使用该垫资方案。通过在账户流水中区分不同的交易类型，还可以区分出不同的垫资类型，进而使用不同的手续费和利息费率，从而完善前文中的手续费和利息征收方案。
本申请实施例提供的方法，可以与区块链等技术结合，从而使得该技术方案在区块链上实现，从而达到更好的效果。
图24示意性示出了本申请实施例的分布式系统应用于区块链系统的结构示意图。
本申请实施例涉及的系统可以是由客户端2420、多个节点2410(接入网络中的任意形式的计算设备，如服务器、用户终端)通过网络通信的形式连接形成的分布式系统。
以分布式系统为区块链系统为例，参见图24，图24是本申请实施例提供的分布式系统2400应用于区块链系统的一个结构示意图，由多个节点(接入网络中的任意形式的计算设备，如服务器、用户终端)和客户端形成，节点之间形成组成的点对点(P2P，Peer To Peer)网络，P2P协议是一个运行在传输控制协议(TCP，Transmission Control Protocol)协议之上的应用层协议。在分布式系统中，任何机器如服务器、终端都可以加入而成为节点，节点包括硬件层、中间层、操作系统层和应用层。
参见图24示出的区块链系统中各节点的功能，涉及的功能包括：
1)路由，节点具有的基本功能，用于支持节点之间的通信。
节点除具有路由功能外，还可以具有以下功能：
2)应用，用于部署在区块链中，根据实际业务需求而实现特定业务，记录实现功能相关的数据形成记录数据，在记录数据中携带数字签名以表示任务数据的来源，将记录数据发送到区块链系统中的其他节点，供其他节点在验证记录数据来源以及完整性成功时，将记录数据添加到临时区块中。
例如，应用实现的业务包括：
2.1)钱包，用于提供进行电子货币的交易的功能，包括发起交易(即，将当前交易的交易记录发送给区块链系统中的其他节点，其他节点验证成功后，作为承认交易有效的响应，将交易的记录数据存入区块链的临时区块中；当然，钱包还支持查询电子货币地址中剩余的电子货币；
2.2)共享账本，用于提供账目数据的存储、查询和修改等操作的功能，将对账目数据的操作的记录数据发送到区块链系统中的其他节点，其他节点验证有效后，作为承认账目数据有效的响应，将记录数据存入临时区块中，还可以向发起操作的节点发送确认。
2.3)智能合约，计算机化的协议，可以执行某个合约的条款，通过部署在共享账本上的用于在满足一定条件时而执行的代码实现，根据实际的业务需求代码用于完成自动化的交易，例如查询买家所购买商品的物流状态，在买家签收货物后将买家的电子货币转移到商户的地址；当然，智能合约不仅限于执行用于交易的合约，还可以执行对接收的信息进行处理的合约。
3)区块链，包括一系列按照产生的先后时间顺序相互接续的区块(Block)，新区块一旦加入到区块链中就不会再被移除，区块中记录了区块链系统中节点提交的记录数据。
图25示意性示出了本申请实施例的区块结构的组成示意图。
参见图25，图25是本申请实施例提供的区块结构(Block Structure)一个示意图，每个区块中包括本区块存储交易记录的哈希值(本区块的哈希值)、以及前一区块的哈希值，各区块通过哈希值连接形成区块链。另外，区块中还可以包括有区块生成时的时间戳等信息。区块链(Blockchain)，本质上是一个去中心化的数据库，是一串使用密码学方法相关联产生的数据块，每一个数据块中包含了相关的信息，用于验证其信息的有效性(防伪)和生成下一个区块。
以下介绍本申请的装置实施例，可以用于执行本申请上述的数据资源处理方法。对于本申请装置实施例中未披露的细节，请参照本申请上述的数据资源处理方法的实施例。
图26示意性示出了本申请实施例的数据资源处理装置的框图。
参照图26所示，本申请实施例提供的数据资源处理装置2600可以包括：转移请求接收单元2610、原始数额确定单元2620、转移请求发送单元2630、响应信息获取单元2640、权益数额获得单元2650以及账户数额转移单元2660。
在一些实施例中，转移请求接收单元2610，可以配置为接收来自目标服务对象的数据资源转移请求，所述数据资源转移请求包括目标数据资源类型、原始数据资源类型和目标数据资源转移数额。原始数额确定单元2620可以配置为根据所述目标数据资源转移数额，确定原始数据资源转移数额。转移请求发送单元2630可以配置为将所述数据资源转移请求发送至目标服务提供对象。响应信息获取单元2640可以配置为从所述目标服务提供对象获取响应于所述数据资源转移请求的响应信息，所述响应信息包括所述原始数据资源类型的实际扣减数额。
权益数额获得单元2650可以配置为根据所述目标数据资源转移数额和所述实际扣减数额，获得所述原始数据资源类型的权益数额。账户数额转移单元2660可以配置为根据所述权益数额、所述原始数据资源转移数额、所述实际扣减数额和所述目标数据资源转移数额，进行所述目标服务对象的第一类系统账户、所述目标服务提供对象的第二类系统账户、以及系统权益账户之间的数额转移。
在示例性实施例中，原始数额确定单元2620可以包括：基准指标获取单元，可以配置为获取所述目标数据资源类型和所述原始数据资源类型之间的基准指标；报价指标生成单元，可以配置为根据所述基准指标生成所述目标数据资源类型和所述原始数据资源类型之间的报价指标；被转移金额确定单元，可以配置为根据所述报价指标和所述目标数据资源转移数额，确定 所述原始数据资源转移数额；原始数据资源转移数额冻结单元，可以配置为冻结所述目标服务对象的所述原始数据资源类型的第一类系统账户中的所述原始数据资源转移数额。
在示例性实施例中，数据资源处理装置2600还可以包括：剩余数额获得单元，可以配置为在冻结所述目标服务对象的所述原始数据资源类型的第一类系统账户中的所述原始数据资源转移数额之前，获得所述目标服务对象的所述原始数据资源类型的第一类系统账户中的剩余数额；负债垫资单元，可以配置为若所述剩余数额小于所述原始数据资源转移数额，则从系统中间户的所述原始数据资源类型的第一类系统账户中将所述原始数据资源转移数额转移至所述目标服务对象的所述原始数据资源类型的第一类系统账户中。
在示例性实施例中，数据资源处理装置2600还可以包括：资产垫资单元，可以配置为从所述系统中间户的所述原始数据资源类型的第二类系统账户中，将所述原始数据资源转移数额转移至所述目标服务对象的所述原始数据资源类型的第二类系统账户中。
在示例性实施例中，剩余数额获得单元可以包括：服务对象外部编号获取单元，可以配置为获取所述目标服务对象的外部编号；服务对象关联表查找单元，可以配置为根据所述外部编号查找所述目标服务对象的客户账户关联表，获得所述目标服务对象的所述原始数据资源类型的第一类系统账户；服务对象余额表查找单元，可以配置为根据所述目标服务对象的所述原始数据资源类型的第一类系统账户，查找所述目标服务对象的账户余额表，获得所述目标服务对象的所述原始数据资源类型的第一类系统账户中的剩余数额。
在示例性实施例中，数据资源处理装置2600还可以包括：当前类型确定单元，可以配置为确定当前类型，所述当前类型包括所述目标数据资源类型和所述原始数据资源类型；服务对象关联表查询单元，可以配置为根据所述当前类型查询所述目标服务对象的客户账户关联表；客户账号生成单元，可以配置为若所述客户账户关联表中不存在与所述当前类型对应的第一类系统账户和第二类系统账户，则生成与所述当前类型对应的第一类系统账户和第二类系统账户；客户账号写入单元，可以配置为将与所述当前类型对应的第一类系统账户和第二类系统账户，写入所述客户账户关联表。
在示例性实施例中，数据资源处理装置2600还可以包括：账户余额表查询单元，可以配置为根据所述当前类型查询所述目标服务对象的账户余额表；余额账号生成单元，可以配置为若所述账户余额表中不存在与所述当前类型对应的第一类系统账户和第二类系统账户，则将与所述当前类型对应的第一类系统账户和第二类系统账户，写入所述账户余额表。
在示例性实施例中，数据资源处理装置2600还可以包括：服务对象外部编号生成单元，可以配置为生成所述目标服务对象的外部编号；服务对象内部编号生成单元，可以配置为生成与所述外部编号对应的所述目标服务对象的内部编号；外内编号关联单元，可以配置为将所述外部编号和所述内部编号写入所述目标服务对象的客户账户关联表。
在示例性实施例中，权益数额获得单元2650可以包括：报价数额获得单元，可以配置为根据所述目标数据资源转移数额和所述报价指标，获得报价数额；基准数额获得单元，可以配置为根据所述目标数据资源转移数额和所述基准指标，获得基准数额；固定收益获得单元，可以配置为根据所述报价数额和所述基准数额，获得所述原始数据资源类型的固定收益；浮动损益获得单元，可以配置为根据所述实际扣减数额和所述基准数额，获得所述原始数据资源类型的浮动损益。
在示例性实施例中，所述系统权益账户可以包括固定收益账户和浮动损益账户。其中，账户数额转移单元2660可以包括：原始数据资源转移数额解冻单元，可以配置为解冻所述目标服务对象的所述原始数据资源类型的第一类系统账户中的所述原始数据资源转移数额；固定收益转移单元，可以配置为从所述目标服务对象的所述原始数据资源类型的第一类系统账户中转移所述固定收益至所述原始数据资源类型的固定收益账户；浮动损益转移单元，可以配置为从所述目标服务对象的所述原始数据资源类型的第一类系统账户中转移所述浮动损益至所述原始数据资源类型的浮动损益账户；实际扣减转移单元，可以配置为从所述目标服务对象的所述原始数据资源类型的第一类系统账户中转移所述实际扣减数额至所述目标服务提供对象的所述原始数据资源类型的第二类系统账户；外币转移单元，可以配置为从所述目标服务提供对象的所述 目标数据资源类型的第二类系统账户中转移所述目标数据资源转移数额至所述目标服务对象的所述目标数据资源类型的第一类系统账户。
应当注意，尽管在上文详细描述中提及了用于动作执行的设备的若干单元，但是这种划分并非强制性的。实际上，根据本申请的实施方式，上文描述的两个或更多单元的特征和功能可以在一个单元中具体化。反之，上文描述的一个单元的特征和功能可以进一步划分为由多个单元来具体化。
通过以上的实施方式的描述，本领域的技术人员易于理解，这里描述的示例实施方式可以通过软件实现，也可以通过软件结合必要的硬件的方式来实现。因此，根据本申请实施方式的技术方案可以以软件产品的形式体现出来，该软件产品可以存储在一个非易失性存储介质(可以是CD-ROM，U盘，移动硬盘等)中或网络上，包括若干指令以使得一台计算设备(可以是个人计算机、服务器、触控终端、或者网络设备等)执行根据本申请实施方式的方法。

Claims (13)

  1. 一种数据资源处理方法，所述方法由电子设备执行，所述方法包括：
    接收来自目标服务对象的数据资源转移请求，所述数据资源转移请求包括原始数据资源类型、目标数据资源类型和目标数据资源转移数额；
    根据所述目标数据资源转移数额，确定原始数据资源转移数额；
    将所述数据资源转移请求发送至目标服务提供对象；
    从所述目标服务提供对象获取响应于所述数据资源转移请求的响应信息，所述响应信息包括所述原始数据资源类型的实际扣减数额；
    根据所述目标数据资源转移数额和所述实际扣减数额，获得原始数据资源类型的权益数额；
    根据所述权益数额、所述原始数据资源转移数额、所述实际扣减数额和所述目标数据资源转移数额，进行所述目标服务对象的第一类系统账户、所述目标服务提供对象的第二类系统账户、以及系统权益账户之间的数额转移。
  2. 根据权利要求1所述的数据资源处理方法，其中，所述根据所述目标数据资源转移数额，确定原始数据资源转移数额，包括：
    获取所述目标数据资源类型和所述原始数据资源类型之间的基准指标；
    根据所述基准指标生成所述目标数据资源类型和所述原始数据资源类型之间的报价指标；
    根据所述报价指标和所述目标数据资源转移数额，确定所述原始数据资源转移数额；
    冻结所述目标服务对象的所述原始数据资源类型的第一类系统账户中的所述原始数据资源转移数额。
  3. 根据权利要求2所述的数据资源处理方法，其中，所述冻结所述目标服务对象的所述原始数据资源类型的第一类系统账户中的所述原始数据资源转移数额之前，还包括：
    获得所述目标服务对象的所述原始数据资源类型的第一类系统账户中的剩余数额；
    若所述剩余数额小于所述原始数据资源转移数额，则从系统中间户的所述原始数据资源类型的第一类系统账户中将所述原始数据资源转移数额转移至所述目标服务对象的所述原始数据资源类型的第一类系统账户中。
  4. 根据权利要求3所述的数据资源处理方法，其中，还包括：
    从所述系统中间户的所述原始数据资源类型的第二类系统账户中，将所述原始数据资源转移数额转移至所述目标服务对象的所述原始数据资源类型的第二类系统账户中。
  5. 根据权利要求3所述的数据资源处理方法，其中，获得所述目标服务对象的所述原始数据资源类型的第一类系统账户中的剩余数额，包括：
    获取所述目标服务对象的外部编号；
    根据所述外部编号查找所述目标服务对象的客户账户关联表，获得所述目标服务对象的所述原始数据资源类型的第一类系统账户；
    根据所述目标服务对象的所述原始数据资源类型的第一类系统账户，查找所述目标服务对象的账户余额表，获得所述目标服务对象的所述原始数据资源类型的第一类系统账户中的剩余数额。
  6. 根据权利要求5所述的数据资源处理方法，其中，还包括：
    确定当前类型，所述当前类型包括所述目标数据资源类型和所述原始数据资源类型；
    根据所述当前类型查询所述目标服务对象的客户账户关联表；
    若所述客户账户关联表中不存在与所述当前类型对应的第一类系统账户和第二类系统账户，则生成与所述当前类型对应的第一类系统账户和第二类系统账户；
    将与所述当前类型对应的第一类系统账户和第二类系统账户，写入所述客户账户关联表。
  7. 根据权利要求6所述的数据资源处理方法，其中，还包括：
    根据所述当前类型查询所述目标服务对象的账户余额表；
    若所述账户余额表中不存在与所述当前类型对应的第一类系统账户和第二类系统账户，则将与所述当前类型对应的第一类系统账户和第二类系统账户，写入所述账户余额表。
  8. 根据权利要求6所述的数据资源处理方法，其中，还包括：
    生成所述目标服务对象的外部编号；
    生成与所述外部编号对应的所述目标服务对象的内部编号；
    将所述外部编号和所述内部编号写入所述目标服务对象的客户账户关联表。
  9. 根据权利要求2所述的数据资源处理方法，其中，所述权益数额包括固定收益和浮动损益；其中，根据所述目标数据资源转移数额和所述实际扣减数额，获得所述原始数据资源类型的权益数额，包括：
    根据所述目标数据资源转移数额和所述报价指标，获得报价数额；
    根据所述目标数据资源转移数额和所述基准指标，获得基准数额；
    根据所述报价数额和所述基准数额，获得所述原始数据资源类型的固定收益；
    根据所述实际扣减数额和所述基准数额，获得所述原始数据资源类型的浮动损益。
  10. 根据权利要求9所述的数据资源处理方法，其中，所述系统权益账户包括固定收益账户和浮动损益账户；其中，根据所述权益数额、所述原始数据资源转移数额、所述实际扣减数额和所述目标数据资源转移数额，进行所述目标服务对象的第一类系统账户、目标服务提供对象的第二类系统账户、以及系统权益账户之间的数额转移，包括：
    解冻所述目标服务对象的所述原始数据资源类型的第一类系统账户中的所述原始数据资源转移数额；
    从所述目标服务对象的所述原始数据资源类型的第一类系统账户中转移所述固定收益至所述原始数据资源类型的固定收益账户；
    从所述目标服务对象的所述原始数据资源类型的第一类系统账户中转移所述浮动损益至所述原始数据资源类型的浮动损益账户；
    从所述目标服务对象的所述原始数据资源类型的第一类系统账户中转移所述实际扣减数额至所述目标服务提供对象的所述原始数据资源类型的第二类系统账户；
    从所述目标服务提供对象的所述目标数据资源类型的第二类系统账户中转移所述目标数据资源转移数额至所述目标服务对象的所述目标数据资源类型的第一类系统账户。
  11. 一种数据资源处理装置，所述装置包括：
    转移请求接收单元，配置为接收来自目标服务对象的数据资源转移请求，所述数据资源转移请求包括目标数据资源类型、原始数据资源类型和目标数据资源转移数 额；
    原始数额确定单元，配置为根据所述目标数据资源转移数额，确定原始数据资源转移数额；
    转移请求发送单元，配置为将所述数据资源转移请求发送至目标服务提供对象；
    响应信息获取单元，配置为从所述目标服务提供对象获取响应于所述数据资源转移请求的响应信息，所述响应信息包括所述原始数据资源类型的实际扣减数额；
    权益数额获得单元，配置为根据所述目标数据资源转移数额和所述实际扣减数额，获得所述原始数据资源类型的权益数额；
    账户数额转移单元，配置为根据所述权益数额、所述原始数据资源转移数额、所述实际扣减数额和所述目标数据资源转移数额，进行所述目标服务对象的第一类系统账户、目标服务提供对象的第二类系统账户、以及系统权益账户之间的数额转移。
  12. 一种计算机存储介质，其上存储有计算机程序，所述程序被处理器执行时实现如权利要求1至10中任一项所述的数据资源处理方法。
  13. 一种电子设备，所述电子设备包括：
    一个或多个处理器；
    存储器，配置为存储一个或多个程序，当所述一个或多个程序被所述一个或多个处理器执行时，使得所述一个或多个处理器实现如权利要求1至10中任一项所述的数据资源处理方法。
PCT/CN2020/128289 2020-03-16 2020-11-12 数据资源处理方法、装置、计算机存储介质及电子设备 WO2021184784A1 (zh)

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