CN111161073A

CN111161073A - Resource exchange method, device, computer readable storage medium and computer equipment

Info

Publication number: CN111161073A
Application number: CN201911403368.1A
Authority: CN
Inventors: 郭会东; 谢东东
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2019-12-30
Filing date: 2019-12-30
Publication date: 2020-05-15

Abstract

The application relates to a resource exchange method, a resource exchange device, a computer readable storage medium and a computer device, wherein the method comprises the following steps: receiving a resource exchange request; determining a swap-out resource amount of the swap-out resource type according to the resource swap request; determining the swap-out resource holding amount of the swap-out resource in the requester account corresponding to the resource swap-out request; when the holding amount of the swapped-out resource is smaller than the amount of the swapped-out resource, determining the amount of the resource to be supplemented according to the difference between the amount of the swapped-out resource and the holding amount of the swapped-out resource; and exchanging the swap-in resources of the swap-in resource type according to the swap-out resources in the resource exchange platform side account and the swap-out resources in the requester side account, wherein the amount of the swap-in resources corresponds to the amount of the resources to be replenished. The scheme provided by the application can improve the processing efficiency of resource interaction.

Description

Resource exchange method, device, computer readable storage medium and computer equipment

Technical Field

The present application relates to the field of computer technologies, and in particular, to a resource exchange method, an apparatus, a computer-readable storage medium, and a computer device.

Background

With the development of computer technology, resources are processed more and more through the internet, and great convenience is brought to the life of people. For example, people can make various transaction payments through a public payment platform (such as WeChat payment) in the internet, so that resource transfer is realized without carrying cash with them; for another example, people can perform various currency transactions through the foreign exchange transaction platform, so that resource exchange is realized and currency transactions to entity business places are avoided.

However, in the current resource exchange processing, when the exchanged resources are insufficient, the resource exchange processing cannot be performed, the flexibility of the resource exchange is limited, and the processing efficiency of the resource exchange is affected.

Disclosure of Invention

In view of the foregoing, it is necessary to provide a resource exchange method, a resource exchange device, a computer-readable storage medium, and a computer device for solving the technical problem of low resource exchange processing efficiency.

A method of resource exchange, comprising:

receiving a resource exchange request;

determining a swap-out resource amount of a swap-out resource type according to the resource swap-out request;

determining the swap-out resource holding amount of the swap-out resource in the requester account corresponding to the resource swap-out request;

when the swap-out resource holding amount is smaller than the swap-out resource amount, determining the resource amount to be supplemented according to the difference between the swap-out resource amount and the swap-out resource holding amount;

and exchanging the swap-in resources of the swap-in resource type according to the swap-out resources in the resource exchange platform side account and the swap-out resources in the requester side account, wherein the amount of the resources to be replenished corresponds to the amount of the resources to be replenished.

An apparatus for resource switching, the apparatus comprising:

an exchange request receiving module, configured to receive a resource exchange request;

a swap-out resource amount determining module, configured to determine a swap-out resource amount of a swap-out resource type according to the resource exchange request;

a resource holding amount determining module, configured to determine a swap-out resource holding amount of a swap-out resource in a requester account corresponding to the resource exchange request;

a complementary resource determining module, configured to determine, when the swapped-out resource holding amount is smaller than the swapped-out resource amount, a resource amount to be complemented according to a difference between the swapped-out resource amount and the swapped-out resource holding amount;

and the swap-in resource swapping module is used for swapping in the swap-in resource of the resource type according to the swap-out resource in the resource exchange platform side account and the resources to be replenished with the amount corresponding to the amount of the resources to be replenished.

A computer-readable storage medium, storing a computer program which, when executed by a processor, causes the processor to perform the steps of the resource exchange method as described above.

A computer device comprising a memory and a processor, the memory storing a computer program which, when executed by the processor, causes the processor to perform the steps of the resource exchange method as described above.

According to the resource exchange method, the resource exchange device, the computer readable storage medium and the computer equipment, when the swap-out resource holding amount of the swap-out resource in the requester account corresponding to the resource exchange request is smaller than the swap-out resource amount determined according to the resource exchange request, the swap-in resource amount is determined according to the difference between the swap-out resource amount and the swap-out resource holding amount, and the swap-in resource of the swap-in resource type is swapped out according to the swap-out resource amount and the swap-out resource in the requester account, which are the amount corresponding to the swap-out resource amount in the resource exchange platform account, when the swap-out resource in the requester account is insufficient, the resource exchange can be realized after the swap-in resource in the resource exchange platform account is complemented, so that the flexibility of the resource exchange is enhanced, and the processing efficiency of the resource interaction is improved.

Drawings

FIG. 1 is a diagram of an application environment of a resource exchange method in one embodiment;

FIG. 2 is a flow diagram illustrating a method for exchanging resources in one embodiment;

FIG. 3 is a flow diagram illustrating a process for swapping in resources according to one embodiment;

FIG. 4 is a schematic flow chart illustrating supplemental cancellation in one embodiment;

FIG. 5 is a schematic diagram of the architecture of the class C account architecture in one embodiment;

FIG. 6 is a schematic diagram of the architecture of a bank account architecture in one embodiment;

FIG. 7 is a diagram illustrating an exemplary configuration of a funding intermediary account architecture;

FIG. 8 is a schematic flow diagram illustrating the creation of a class C account in one embodiment;

FIG. 9 is a flow diagram illustrating initiation of a purchase of a transfer in one embodiment;

FIG. 10 is a schematic flow chart diagram illustrating a purchase order wizard in one embodiment;

FIG. 11 is a diagram illustrating a funding broker fund flow according to an embodiment;

FIG. 12 is a schematic diagram of the physical fund flow in one embodiment;

FIG. 13 is a diagram illustrating a system fund flow in one embodiment;

FIG. 14 is a flow diagram that illustrates tie-out processing in one embodiment;

FIG. 15 is a diagram illustrating a flat-ledger fund flow in one embodiment;

FIG. 16 is a block diagram showing the structure of a resource switching apparatus according to an embodiment;

FIG. 17 is a block diagram of a computer device in one embodiment.

Detailed Description

In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.

FIG. 1 is a diagram of an application environment of a resource exchange method in one embodiment. (example: referring to fig. 1, the resource exchange method is applied to a foreign exchange transaction system including a terminal 110, a foreign exchange transaction platform server 120, and a bank server 130. a swap-out resource and a swap-in resource in a resource exchange request are currencies of different currencies, the terminal 110 sends a resource exchange request to the foreign exchange transaction platform server 120, the foreign exchange transaction platform server 120 determines an amount of resources to be replenished according to a difference between the amount of swap-out resources and the amount of swap-out resources when the swap-out resource holding amount of the swap-out resource in a requester account corresponding to the received resource exchange request is smaller than the swap-out resource amount determined according to the resource exchange request, and swaps the swap-in resource of the amount of resources to be replenished corresponding to the amount of resources to be replenished in the resource exchange platform account and the swap-out resource in the requester account, the bank server 130 swaps the swap-in resource type of the terminal 110 and the foreign exchange transaction platform server 120 through a network, the foreign exchange transaction platform server 120 and the bank server 130 are connected through a network. In addition, the resource exchange method can also be applied to a game system, the game system comprises a server connected with a terminal through a network, and the terminal sends a resource exchange request to the server to realize resource exchange, for example, the method can be used for recharging virtual coins in a game, namely, the real currency resource of the terminal is exchanged into the virtual currency resource in the game system. The terminal 110 may specifically be a desktop terminal or a mobile terminal, and the mobile terminal may specifically be at least one of a mobile phone, a tablet computer, a notebook computer, and the like. The foreign exchange transaction platform server 120 and the bank server 130 may be implemented as separate servers or as a server cluster of multiple servers. )

In one embodiment, as shown in FIG. 2, a resource exchange method is provided. The embodiment is mainly illustrated by applying the method to the foreign exchange transaction platform server 120 in fig. 1. Referring to fig. 2, the resource exchange method specifically includes the following steps:

s202, receiving a resource exchange request.

Where a resource is an asset that can be exchanged for a subject. The resource can be funds, electronic vouchers, shopping tickets, virtual red packages and the like, and the virtual red packages are virtual objects with certain fund numerical attributes. For example, funds may be exchanged for an equivalent commodity after the transaction is conducted. When the resource exchange method is applied to a foreign exchange transaction system, the resource is currency of different currencies, the resource exchange is exchange processing among different resources, specifically, the exchange among the currencies of different currencies can be realized, the exchange can be realized through the resource exchange, and the process of exchanging the money is realized, and the account fund is exchanged from a certain currency (such as RMB) to another currency (such as USD). The resource exchange request may be issued by an object, such as the terminal 110, that needs to perform the resource exchange process, and is used to request the resource exchange process.

S204, determining the swap-out resource amount of the swap-out resource type according to the resource swap request.

The resource type is a classification attribute of the resource, and is determined after classification according to the attribute of the resource, for example, when the resource is currency, the resource type may be currency, that is, the currency is divided according to different currencies to obtain the resource type corresponding to each currency. The swapped-out resource type is a resource type which needs to be swapped out in the resource exchange, the swapped-out resource is a resource which needs to be swapped out in the resource exchange, and the swapped-out resource amount is the amount of the resource which needs to be swapped out. For example, in a foreign exchange transaction, if Renminbi needs to be exchanged for U.S. dollars, the resource type is Renminbi, and the amount of Renminbi exchanged for U.S. dollars is the amount of Renminbi that needs to be spent. The swap-out resource amount is related to the swap-out resource type, the swap-in resource type and the resource exchange amount involved in the resource exchange. In a specific application, the swap-out resource type, the swap-in resource type, and the resource swap amount may be determined according to the received resource swap request, for example, when the resource swap request includes fields corresponding to the swap-out resource type, the swap-in resource type, and the resource swap amount, the corresponding fields may be directly extracted from the resource swap request to determine the swap-out resource type, the swap-in resource type, and the resource swap amount. Furthermore, exchange parameters are set between different resource types, and the exchange parameters between various resource types are different, and the exchange parameters may be fixed or dynamic. For example, in a foreign exchange scenario, an exchange parameter between RMB and US dollars, i.e., an exchange rate of 6.8, indicates that 680 RMB is required to exchange for $ 100.

S206, determining the swap-out resource holding amount of the swap-out resource in the requester account corresponding to the resource swap-out request.

The requesting party account may be an account which correspondingly sends a resource exchange request, the holding user of the account may request to perform resource exchange by logging in the account and sending a resource exchange request, the requesting party account may include resources held by the holding user of the account, and the swap-out resource holding amount of the swap-out resource in the requesting party account may be determined by querying the resource holding condition of the requesting party account. The resources in the requestor account may include resources corresponding to various resource types, such as swap-out resources corresponding to swap-out resource types or swap-in resources corresponding to swap-in resource types. The swap-out resource holding amount is the amount of swap-out resources in the account of the requesting party, that is, the swap-out resources currently owned in the account of the requesting party corresponding to the resource exchange request are represented, and the account of the requesting party is the account of swap-in resources corresponding to the swap-out resources held in the account. In a specific implementation, the requester account may include a plurality of sub-accounts, each sub-account corresponding to one resource type, so that resources of various resource types in the requester account are subjected to sub-account management.

In a specific application of the foreign exchange transaction, the requester account includes requester sub-accounts corresponding to different currencies, such as a rmb account, a dollar account, a japanese yen account, etc., each requester sub-account is associated with the requester account by currency, and the account holder can perform corresponding foreign exchange transaction processing only through the requester account.

And S208, when the holding amount of the swapped-out resource is smaller than the amount of the swapped-out resource, determining the amount of the resource to be supplemented according to the difference between the amount of the swapped-out resource and the holding amount of the swapped-out resource.

Determining the swap-out resource amount of the resources needed to be swapped out in the resource exchange processing, comparing the swap-out resource holding amount with the swap-out resource holding amount after obtaining the swap-out resource holding amount of the resources swapped out from the requester account, when the swap-out resource holding amount is smaller than the swap-out resource holding amount, indicating that the number of the swap-out resources held in the requester account corresponding to the resource exchange request is not enough to support the resource exchange, and determining the resource amount to be replenished according to the difference between the swap-out resource amount and the swap-out resource holding amount. The amount of the resource to be replenished is determined according to the difference between the switched-out resource holding amount and the switched-out resource holding amount in the account of the requesting party, and the difference between the switched-out resource holding amount and the switched-out resource holding amount can be directly taken. In a foreign exchange scene, when the resource exchange request is to exchange the RMB in the account of the requesting party into the dollar, if the held amount of the RMB in the account of the requesting party is less than the amount of the RMB required in the current resource exchange processing, determining the amount of the resource to be replenished according to the difference between the amount of the RMB required in the current resource exchange processing and the held amount of the RMB in the account of the requesting party, namely determining the RMB difference.

In addition, if the holding amount of the swapped-out resource is not less than the amount of the swapped-out resource, the amount of the swapped-out resource held in the account of the requester corresponding to the resource exchange request can support the resource exchange, and the resource exchange is directly carried out according to the swapped-out resource held in the account of the requester to swap in the swapped-in resource of the resource type.

And S210, exchanging the swap-in resource of the swap-in resource type according to the swap-out resource in the account of the resource exchange platform side and the swap-out resource in the account of the requesting side, wherein the amount of the resource to be replenished corresponds to the amount of the resource to be replenished.

The resource exchange platform side account may be an account corresponding to the foreign exchange transaction platform server 120, the resource exchange platform side account may include resource exchange platform side sub-accounts corresponding to various resource types, and the resource to be supplemented is a loan resource provided by the resource exchange platform side account for the requester account, so that when the swap-out resource in the requester account is insufficient, the resource exchange can be completed by smoothly using the resource to be supplemented in the loan resource exchange platform side account, and the resource to be supplemented is compensated after the resource exchange is successful, so that the loan resource is repayed. The swap-in resource is a resource that the resource exchange request requests to swap in, such as dollars in required trades in a foreign exchange trading scenario. Specifically, after the amount of the resources to be supplemented is determined, the resources to be supplemented in the account of the resource exchange platform side are determined, the amount of the resources to be supplemented is the amount of the resources to be supplemented, and resource exchange is performed according to the resources to be supplemented and the swapped-out resources in the account of the requesting side, so that the swapped-in resources of the swapped-in resource type are swapped out, for example, foreign exchange purchasing is performed from a foreign exchange bank, and the currency corresponding to the required currency is obtained. The resource exchange is carried out by combining the resource to be supplemented in the account of the resource exchange platform and the swapped-out resource in the account of the requester, the resource exchange can be carried out smoothly when the amount of the swapped-out resource in the account of the requester is insufficient, the flexibility of the resource exchange is improved, and the processing efficiency of the resource interaction is improved.

According to the resource exchange method, when the swap-out resource holding amount of the swapped-out resource in the requester account corresponding to the resource exchange request is smaller than the swap-out resource amount determined according to the resource exchange request, the amount of the resource to be replenished is determined according to the difference between the swap-out resource amount and the swap-out resource holding amount, the swap-in resource of the swap-in resource type is swapped out according to the swap-out resource in the requester account and the amount of the resource to be replenished corresponding to the amount of the resource to be replenished in the resource exchange platform account, and when the swap-out resource in the requester account is insufficient, the resource exchange can be realized after the resource to be replenished in the resource exchange platform account is replenished, so that the flexibility of the resource exchange is enhanced, and the processing efficiency of the resource interaction is improved.

In one embodiment, determining a swap-out resource amount for the swap-out resource type based on the resource swap request comprises: determining a swap-out resource type, a swap-in resource type and a resource exchange amount according to the resource exchange request; acquiring exchange parameters between the swapped-out resource type and the swapped-in resource type; and determining the swap-out resource amount of the swap-out resource type according to the resource swap amount and the swap parameter.

In this embodiment, the swap-out resource amount required by the swap request is determined according to the swap-out resource type, the swap-in resource type, the resource swap amount, and the swap parameter between the swap-out resource type and the swap-in resource type involved in the resource swap.

Specifically, the swap-out resource type, the swap-in resource type and the resource swap amount are determined according to the received resource swap request. The swap-out resource type is a type of swap-out resource which needs to be swapped out in the process of requesting resource exchange processing, the swap-in resource type is a type of swap-in resource which needs to be swapped out, and the resource exchange amount can be the number of swap-in resources which need to be swapped in. For example, in a foreign exchange application, user A sends a resource exchange request through terminal 110 to request exchange of RMB for USD, i.e., to purchase money through RMB, the resource type is exchanged for USD, and the resource exchange amount may be the amount of USD that needs to be exchanged. In a specific application, the resource exchange request may include fields of the swap-out resource type, the swap-in resource type, and the resource exchange amount, and the corresponding field may be extracted from the resource exchange request and the swap-out resource type of the swap-out resource, the swap-in resource type of the swap-in resource, and the resource exchange amount of the swap-out resource may be determined in the resource exchange process.

The exchange parameters between the exchanged resource type and the exchanged resource type are obtained, and the exchange parameters represent exchange rates between the resources corresponding to the exchanged resource type and the resources corresponding to the exchanged resource type, such as exchange rates in foreign exchange transactions, exchange rates between specific RMB and various currency, such as dollars and yen, and the like, as well as recharge exchange ratios in network games, and exchange ratios between the recharged RMB and virtual money in games. In the foreign exchange scene, the exchange parameters, namely the exchange rate, are dynamically changed according to the value attributes of various currencies, and the exchange rate can be obtained by inquiring from a foreign exchange bank. And after the resource exchange amount and the exchange parameters are obtained, determining the swap-out resource amount of the swap-out resource type according to the resource exchange amount and the exchange parameters, wherein the swap-out resource amount is the amount of the swap-out resources required in the resource exchange processing. For example, in a foreign exchange transaction, the amount of the resource to be exchanged is 100 when the RMB is required to be exchanged for $ 100, the exchange rate is 6.9, the exchange parameter, namely the exchange rate is 6.9, and the amount of the resource to be exchanged, namely the amount of the RMB required to be exchanged is 690 according to the product of the resource exchange amount and the exchange parameter.

In one embodiment, when the swapped-out resource holding amount is smaller than the swapped-out resource amount, determining the resource amount to be replenished according to the difference between the swapped-out resource amount and the swapped-out resource holding amount comprises: when the swap-out resource holding amount is smaller than the swap-out resource amount, determining the difference between the swap-out resource amount and the swap-out resource holding amount; and determining the amount of the resource to be supplemented of the resource type according to the difference and the preset floating resource amount.

In this embodiment, after obtaining the swap-out resource amount of the resource to be swapped out in the resource exchange process and the swap-out resource holding amount of the swapped out resource in the requester account, the swap-out resource holding amount and the swap-out resource amount are compared, and if the swap-out resource holding amount is smaller than the swap-out resource amount, it indicates that the amount of the swapped out resource in the requester account corresponding to the resource exchange request is insufficient and the corresponding amount of the swapped in resource cannot be swapped out, a difference between the swap-out resource amount and the swap-out resource holding amount is determined, and specifically, the difference between the swap-out resource amount and the swap-out resource holding amount can be obtained. And after the difference between the swapped-out resource amount and the swapped-out resource holding amount is obtained, determining the amount of the resource to be supplemented of the swapped-out resource type based on the difference. Specifically, the difference may be directly evaluated to obtain the amount of the resource to be supplemented of the swapped out resource type, or the amount of the resource to be supplemented of the swapped out resource type may be determined according to the difference and a preset floating resource amount. Considering that the exchange parameters between the swapped-out resource type and the swapped-in resource type are dynamically changed, the corresponding swapped-out resource amount is also dynamically changed, and the floating resource amount is set to further adjust the difference between the swapped-out resource amount and the swapped-out resource holding amount to obtain the resource amount to be supplemented. The floating resource amount can be set according to the proportion of the difference between the swapped-out resource amount and the swapped-out resource holding amount, if the difference can be set to be 0-5%, the correspondingly obtained resource amount to be supplemented is 100% -105% of the difference, when the resource exchange is actually carried out, if the exchange parameter is increased, the resource exchange can still be carried out by using the resource amount to be supplemented, the resource amount to be supplemented does not need to be determined again, and therefore the success rate of the resource exchange is improved, and the processing efficiency of the resource exchange is improved.

In an embodiment, as shown in fig. 3, the step of swapping in a resource, that is, swapping out a resource in an account of a requesting party and a resource to be replenished in an account of a resource exchange platform, where the swapping in a resource type of swapping in a resource includes:

s302, determining the amount of the resources to be supplemented corresponding to the amount of the resources to be supplemented in the account of the resource exchange platform side.

In this embodiment, the resource exchange platform side account performs resource supplementation on the swap-out resource in the requester account, performs resource exchange based on the supplemented swap-out resource in the requester account, and obtains the swap-out resource in the requester account by swapping. Specifically, after the amount of the resource to be supplemented is determined, the resource to be supplemented in the account of the resource exchange platform corresponding to the amount of the resource to be supplemented is determined, the resource to be supplemented is a resource of a changed resource type in the account of the resource exchange platform, and the resource to be supplemented is used for resource supplementation of the account of the requester, so that resource exchange of the account of the requester corresponding to the resource exchange request is ensured.

S304, updating the resource amount of the swapped-out resource in the account of the requesting party according to the resource to be supplemented, and obtaining the updated swapped-out resource in the account of the requesting party.

After determining the resource to be supplemented, the resource amount of the swapped-out resource in the account of the requesting party is updated by using the resource to be supplemented, and specifically, the resource to be supplemented can be supplemented into the account of the requesting party, so that the resource amount of the swapped-out resource in the account of the requesting party is updated, and the swapped-out resource after being updated in the account of the requesting party is obtained.

S306, the swap-in resource of the swap-in resource type is swapped out based on the updated swap-out resource.

And after the resource amount of the swapped-out resource in the account of the requesting party is updated, swapping a swapped-in resource of the swapped-in resource type based on the updated swapped-out resource. For example, in the foreign exchange scenario, if the resource exchange request is that dollars need to be purchased using rmb, and the amount of rmb in the account of the requesting party corresponding to the resource exchange request is insufficient, the rmb in the account of the resource exchange platform is used to replenish the account of the requesting party, that is, the account of the resource exchange platform is used to transfer rmb to the account of the requesting party, so that the amount of rmb in the account of the requesting party can purchase corresponding amounts of dollars, thereby updating the amount of rmb in the account of the requesting party, and then purchase corresponding amounts of dollars based on the updated rmb, and in particular purchase corresponding dollars from the foreign exchange bank.

In one embodiment, swapping in resources of a swapped-in resource type based on an updated swapped-out resource comprises: sending the resource exchange request to a resource exchange channel; the resource exchange request is used for indicating the resource exchange channel to exchange resources according to the resource exchange request; receiving a resource exchange result returned by the resource exchange channel; and when the type of the resource exchange result is that the resource exchange is successful, obtaining the swap-in resource of the swap-in resource type through the updated swap-out resource swap.

In this embodiment, the resource exchange processing is performed through the resource exchange channel, and the swap-in resource of the swap-in resource type is obtained through the updated swap-out resource swap according to the resource exchange result returned by the resource exchange channel. Specifically, after the resource amount of the account of the requester is updated, the resource exchange request is sent to a resource exchange channel, where the resource exchange channel is a channel for performing resource exchange processing, and for example, the resource exchange channel in the foreign exchange transaction may be a foreign exchange bank or a foreign exchange transaction facilitator. And the resource exchange request is sent to the resource exchange channel so as to indicate the resource exchange channel to carry out resource exchange according to the resource exchange request. And after the resource exchange channel carries out resource exchange processing according to the resource exchange request, returning a resource exchange result to a server corresponding to the resource exchange platform side account, such as a foreign exchange transaction platform server in the foreign exchange transaction. And when the type of the resource exchange result is that the resource exchange is successful, indicating that the resource exchange is successful, and obtaining the swap-in resource of the swap-in resource type through the updated swap-out resource.

In specific implementation, the updated swap-out resource can be extracted from the requester account, the resource exchange request and the updated swap-out resource are sent to the resource exchange channel, the resource exchange request indicates the resource exchange channel to perform resource exchange on the updated swap-out resource according to the resource exchange request, the corresponding swap-in resource is swapped out, and the resource exchange result is returned to the server corresponding to the resource exchange platform account.

In addition, the updated swapped-out resource in the account of the requesting party can be frozen, the resource exchange request is sent to the resource exchange channel to indicate the resource exchange channel to utilize the corresponding quantity of resources in the account of the resource exchange platform according to the resource exchange request, or utilize the corresponding quantity of resources in the resource exchange channel to perform resource exchange, and a resource exchange result is returned.

In one embodiment, after obtaining the updated swapped-out resource in the requesting party account, the method further comprises: the updated swapped-out resources in the account of the requester are frozen; after receiving the resource exchange result returned by the resource exchange channel, the method further comprises the following steps: and when the type of the resource exchange result is that the resource exchange is unsuccessful, unfreezing the updated exchanged resources in the account of the requester.

In this embodiment, resources that need to be exchanged in the account of the requester are frozen to prevent the resources from changing and failing to be exchanged normally. Specifically, after the updated swap-out resource in the requester account is obtained, the updated swap-out resource in the requester account is frozen, so that the updated swap-out resource required for resource exchange in the requester account cannot be subjected to other processing, but only serves the current resource exchange processing. On the other hand, when the resource exchange channel performs resource exchange and the type of the returned resource exchange result is that the resource exchange is unsuccessful, which indicates that the resource exchange process is failed, the updated swapped-out resource in the requesting party account is thawed, so that the updated swapped-out resource required for resource exchange in the requesting party account is released, and other processes, such as resource consumption and transfer, can be performed.

In one embodiment, further comprising: determining the actual swapped-out resource amount of the swapped-out resource type according to the resource swapping result; obtaining a resource exchange allowance quantity according to the actual exchanged resource quantity and the exchanged resource quantity; and updating the resource amount of the resource exchange balance account corresponding to the resource exchange balance amount according to the resource exchange balance amount.

In this embodiment, in view of dynamic change of the exchange parameters between the swapped-out resource type and the swapped-in resource type, when the resource exchange processing is actually performed, the swapped-out resource that is actually exchanged also changes correspondingly, a resource exchange deficit amount may be generated in the resource exchange, and the resource exchange deficit amount may be managed through the corresponding resource exchange deficit account.

Specifically, after the swap-in resource of the swap-in resource type is obtained by swapping, the actual swap-out resource amount of the swap-out resource type is determined according to the resource swapping result, and the actual swap-out resource amount is the number of the actually swapped-out resources in the resource swapping. The resource exchange difference amount is obtained according to the actual swapped-out resource amount and the swapped-out resource amount, and specifically can be obtained according to the difference between the actual swapped-out resource amount and the swapped-out resource amount. And updating the resource amount of the resource exchange balance account corresponding to the resource exchange balance amount according to the resource exchange balance amount. The resource exchange balance account is used for managing the resource exchange balance amount in each resource exchange process, and may also include resource exchange balance sub-accounts corresponding to various resource types so as to manage the resources of various resource types.

In the application scenario of the foreign exchange transaction, the resource exchange allowance reflects the profit and loss of the foreign exchange transaction platform. For example, in a resource exchange, such as the foreign exchange purchase process of Renminbi purchasing $ 100, if the amount of exchanged resources determined according to the exchange rate 6.8 is 680 Renminbi and the actual money purchased is 670, the actual amount of exchanged resources is 10 Yuan Renminbi, i.e. the profit of the foreign exchange trading platform in the exchange is 10 Yuan Renminbi.

In an embodiment, as shown in fig. 4, the method further includes a step of performing supplemental cancellation on resources to be supplemented of the resource exchange platform side account, which specifically includes:

s402, obtaining a resource compensation record of the resource exchange platform side account according to the requesting side account, the type of the exchanged resource and the amount of the resource to be compensated.

In this embodiment, when resource exchange is performed through resources to be supplemented of the resource exchange platform side account, a corresponding resource supplementation record is generated, and the resource supplementation record is used to perform supplementation cancellation processing on the resource exchange platform side account, so as to ensure account balance of the resource exchange platform side account. Specifically, a resource replenishment record of the resource exchange platform side account is obtained according to the requester account, the swapped-out resource type and the amount of the resource to be replenished, and the resource replenishment record is used for recording an event that the resource exchange platform side account performs resource replenishment on each requester account, so that replenishment cancellation processing can be performed subsequently. In specific implementation, the resource replenishment record includes the account of the requesting party, the type of the swapped-out resource and the amount of the resource to be replenished, and further includes but is not limited to resource replenishment time, resource exchange flow number, resource exchange order number and the like.

S404, when the processing condition of the resource compensation record is met, the compensation cancellation resource in the account of the requester is determined according to the resource compensation record.

And monitoring whether the resource compensation record processing condition is met, wherein the resource compensation record processing condition can be set according to actual requirements, for example, the method can be set to be that the compensation offset record corresponding to the resource compensation record is not detected, or when the type of the compensation offset record corresponding to the resource compensation record is detected to be that the compensation offset fails, the compensation offset resource in the account of the requester is determined according to the resource compensation record. Specifically, the resource of the resource type, which is converted from the amount of the resource to be supplemented, may be determined from the account of the requesting party, and used as the compensation resource.

S406, transferring the supplement and cancellation resources to the account of the resource exchange platform side for supplement and cancellation, obtaining a supplement and cancellation record according to the supplement and cancellation result, and storing the supplement and cancellation record into the block chain.

And after determining the supplement cancellation resources in the account of the requesting party, performing supplement cancellation on the supplement cancellation resources based on the supplement cancellation resources, specifically transferring the supplement cancellation resources to the account of the resource exchange platform party for supplement cancellation, and obtaining a supplement cancellation record according to a supplement cancellation result. For the resource exchange platform side account, the resource compensation record is compensation, the compensation offset record is compensation, and the compensation offset record corresponds to the resource compensation record, so that the resource compensation balance of the resource exchange platform side account is realized. Specifically, the supplement cancellation record may include the account of the requester, the type of the swapped-out resource, and the amount of the resource to be supplemented, and further may include, but is not limited to, a supplement cancellation time, a supplement cancellation stream number, a supplement cancellation order number, and the like.

Optionally, the obtained complementary cancellation record may be stored in the block chain. The blockchain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism and an encryption algorithm. A block chain (Blockchain), which is essentially a decentralized database, is a series of data blocks associated by using a cryptographic method, and each data block contains information of a batch of network transactions, so as to verify the validity (anti-counterfeiting) of the information and generate a next block. The supplementary cancellation record is stored in the block chain, so that the supplementary cancellation record can be prevented from being tampered, and the safety of the supplementary cancellation record is ensured. Correspondingly, during specific implementation, data chaining can be performed on the resource supplement records corresponding to the supplement offset records, and the resource supplement records are stored in the block chain, so that the safety of the supplement offset records and the resource supplement records is ensured.

In one embodiment, when the resource replenishment record processing condition is satisfied, determining the replenishment resources in the requester account according to the resource replenishment record comprises: when the supplement offset record corresponding to the resource supplement record is not detected or the type of the supplement offset record corresponding to the resource supplement record is detected to be supplement offset failure, determining the supplement offset resource amount corresponding to the resource amount to be supplemented in the resource supplement record; determining the supplement and cancellation resources in the account of the requester according to the supplement and cancellation resource amount; the compensation resource is replaced by the resource of the resource type.

In this embodiment, when the condition for processing the resource replenishment record is satisfied and the resource replenishment record of the resource exchange platform side account is triggered to perform the replenishment cancellation processing, the corresponding resource is determined from the requesting side account according to the amount of the resource to be replenished in the resource replenishment record to obtain the replenishment cancellation resource.

Specifically, when the supplement offset record corresponding to the resource supplement record is not detected, or the type of the supplement offset record corresponding to the resource supplement record is detected to be a supplement offset failure, the supplement offset resource amount corresponding to the resource amount to be supplemented in the resource supplement record is determined. The supplement and compensation record corresponds to the resource supplement record, the resource supplement record is the resource supplement of the resource exchange platform side account, and the supplement and compensation record is the resource supplement of the resource exchange platform side account. The supplement offset record corresponding to the resource supplement record is not detected, which indicates that the resource supplement record is not subjected to supplement offset processing; and determining the corresponding compensation offset resource amount according to the resource amount to be compensated in the resource compensation record, wherein the compensation offset resource amount is the same as the resource amount to be compensated. And determining the supplement offset resource in the account of the requester according to the supplement offset resource amount, wherein the supplement offset resource is a resource of a swap-out resource type, namely the resource type of the supplement offset resource is the same as the resource type of the resource to be replenished, and the supplement offset resource is the swap-out resource type.

In one embodiment, further comprising: obtaining a resource supplement record of the account of the requester according to the type of the exchanged resource and the amount of the resource to be supplemented; when the resource supplementation record processing condition is met, acquiring a supplementation cancellation record of the account of the requester; the supplementary offset record is obtained by transferring the supplementary offset resource corresponding to the resource to be supplemented to the account of the resource exchange platform side from the account of the requesting side for supplementary offset; and obtaining the resource amount to be compensated of the account of the requesting party according to the resource supplementing record and the supplementing and compensating record of the account of the requesting party.

In this embodiment, the resource supplement of the account of the requester is analyzed, and the resource amount to be compensated for the supplement of the account of the requester, that is, the resource amount of the account of the requester that needs to be compensated for the supplement is determined, so that the supplement compensation processing and risk control can be performed on the account of the requester in time.

Specifically, a resource supplement record of the requester account is obtained according to the swapped-out resource type and the amount of the resource to be supplemented, the resource supplement record corresponds to the requester account, and if the requester account performs resource supplement in the process of requesting resource exchange, the resource supplement record of the requester account is generated. In a specific application, the resource replenishment record may correspond to the resource replenishment record of the resource exchange platform side account, that is, when the resource exchange platform side account performs resource replenishment on the requester account, the resource replenishment record of the requester account and the resource replenishment record of the resource exchange platform side account are generated. The resource complementing record may include the type of the swapped-out resource and the amount of the resource to be complemented, and further may include resource complementing time, resource exchanging flow number, resource exchanging order number, and the like. And monitoring whether the resource supplement record processing condition is met, if so, periodically performing resource supplement record processing, and processing the resource supplement record when the processing period of the resource supplement record is reached to obtain the supplement offset record of the account of the requester. The supplementary offset record is obtained by transferring the supplementary offset resource corresponding to the resource to be supplemented to the account of the resource exchange platform side from the account of the requesting side for supplementary offset, and the supplementary offset record reflects the situation of the supplementary offset on the account of the resource exchange platform side in the resource exchange. And after the resource supplement record and the supplement offset record of the account of the requesting party are obtained, the supplement offset resource amount of the account of the requesting party is obtained according to the resource supplement record and the supplement offset record, and the supplement offset resource amount reflects the resource quantity condition that the account of the requesting party needs to be supplemented. For example, in the application of the foreign exchange transaction scenario, the resource amount to be compensated may be the amount of resources that still need to be compensated, which is obtained by the requesting party account after performing statistics on the resource compensation record and the compensation record, and the resource exchange platform side account may perform reimbursement and reimbursement on the requesting party account according to the resource amount to be compensated, so as to implement the tie account of the resource exchange platform side account.

In one embodiment, the requestor account includes requestor sub-accounts corresponding to various resource types; the resource exchange platform side account comprises platform side sub-accounts corresponding to various resource types.

In this embodiment, the requester account includes requester sub-accounts corresponding to various resource types, and each requester sub-account and the requester account may correspond to each other by a resource type, so that the requester account is managed in a classified manner according to the resource type. The resource exchange platform side account comprises platform side sub-accounts corresponding to various resource types, and the resource exchange platform side account is also related to the platform side sub-accounts through the resource types corresponding to the requester side account so as to perform classified management on the resources of the resource types of the resource exchange platform side account.

For example, in the foreign exchange application, if the resource type is currency, the account of the requesting party and the account of the resource exchange platform can be associated with sub-accounts of different currencies, so as to perform effective classification management on the currencies of various currencies.

In one embodiment, a resource exchange method is provided, which is applied to a foreign exchange transaction scenario. In particular, the resource exchange method can be applied to a swap platform. The exchange platform is a system platform for providing exchange service for customers; the object of the customer serving the exchange platform can be an internal business party (such as cross-border receipts or overseas games) or an external merchant (such as an import and export trade facilitator), and the account balance of the customer represents the balance saved by the customer on the exchange platform system and represents the liability of the exchange platform. The resource exchange involves the resource being currency, the resource type corresponding to the currency of the currency, and the resource exchange process enables the purchase or exchange of money, i.e., the exchange of account funds from one currency (e.g., RMB) to another currency (e.g., U.S. dollars).

For the exchange platform, the accounts can be divided into a liability account, an asset account and an intermediate account according to attributes; wherein, the debt account, namely the customer account, stores the balance information of the customer in the money exchange platform system; for example, if a certain customer performs Renminbi recharging 100 Yuan operation on the money exchange platform system, the balance of the Renminbi account of the customer is increased by 100 Yuan, and the 100 Yuan is recorded as the liability of the money exchange platform; and the asset account, namely the channel account, stores balance information of the remittance platform system on the channel side. The channels are also called bank channels and downstream channels, and refer to downstream service providers connected with the exchange platform in a butt joint mode, the channels are usually banks (such as flag banks) and possibly foreign exchange transaction service providers (such as airwalex), and account balance of the channels represents deposit balance of the exchange platform serving as a main body and stored in each downstream channel and represents assets of the exchange platform. For example, the exchange platform holds 100 yuan RMB starting funds, and the money is stored in the flag bank, the balance of the RMB in the flag bank is increased by 100 yuan, and the 100 yuan is recorded as the assets of the exchange platform; the intermediate account, namely the intermediate fund payment account, stores the running information and the arrearage balance information of fund payment and fund return of the client. In this embodiment, the above 3 kinds of accounts are named as a C account (liability account), a bank account (asset account), and a banker intermediate account (intermediate account), respectively, where the customer opens the C account, the downstream channel opens the bank account, and the remittance platform has several kinds of accounts as shown in table 1 below.

TABLE 1

The revenue account and the floating loss account are both C accounts and are also accounts of the exchange platform and are used for recording fixed revenue and floating loss when the exchange platform provides exchange service for the customer. In specific application, a plurality of banks and customers (determined by the number of the banks and the number of the customers in system butt joint) can exist in the exchange platform, only one fixed income account exists, only one floating loss account exists, and only one investment intermediation account exists. In addition, there may be one fixed revenue account for each currency, or one fixed revenue account for each bank. Each account may have sub-accounts for multiple currencies, each being billed separately. An account opened by the money exchange platform in a bank is called a physical account, the balance in the account is called physical fund, and the balance change of the account is called physical fund flow; the account recorded in the remittance platform system is called a system account, the balance in the account is called system fund, and the balance change of the account is called system fund flow; for bank accounts, the physical fund flow corresponds to the system fund flow one by one, for example, if the balance of the managed account of the flag bank is increased by 100 yuan by the money exchange platform, the balance of the account of the flag bank recorded in the system is also increased by 100 yuan.

In this embodiment, the account of the requesting party is a C account, and the account of the resource exchange platform may include a funding broker account; the account type corresponding to the resource exchange channel is a bank account; the resource exchange deficit account may include a revenue account and a float account. The account in the remittance platform is used for recording the balance of the customer in the system, and the key information of the account balance table corresponding to the account can be shown in the following table 2.

Name of field	Type of field	Description of the invention	Examples of the invention
				acno	Character string	Customer/channel system account	1000001156
currency	Character string	Coin kind	CNY
				num	Number of	Balance of money	100.00
modify_time	Time format	Balance update time	2000-01-01 00:00:00

TABLE 2

In this embodiment, the money transfer platform may create sub-accounts for various accounts, where the sub-accounts are system accounts of multiple currencies, and each system account as a sub-account is associated with a corresponding account, so that an account holder, such as a customer, does not need to record a specific account of multiple currencies. Specifically, the method is realized by establishing an association relationship between an account and a system account number.

For example, a client M assigns a client external number spid, and the client registers and inquires the account balance information of the client M in the exchange platform through the spid, creates a client internal number uid for each spid, and the uid is invisible to the client, and manages the association relationship between the client and each currency account by using an association relationship table, such as the key information of the client account association relationship table shown in table 3 below.

Name of field	Type of field	Description of the invention	Examples of the invention
				spid	Character string	Customer external numbering	Jingdong001
uid	Character string	Customer internal numbering	1000001
				currency	Character string	Coin kind	CNY
acno	Character string	Account number of system	1000001156

TABLE 3

Similarly, for the channel accounts, that is, for the accounts of the foreign exchange banks, a channel bank number bank _ type may be allocated to each channel bank, the banks may be distinguished by the bank _ type, account management may be performed, a bank internal number uid is created for each bank _ type, the uid is invisible to the outside, and an association relationship between the channel bank and each currency account is managed using a channel bank association relationship table, as shown in table 4 below, which is key information of the channel bank account association relationship table.

Name of field	Type of field	Description of the invention	Examples of the invention
				bank_type	Character string	External numbering of bank channels	4598
uid	Character string	Internal numbering of bank channels	0004598
				currency	Character string	Coin kind	CNY
acno	Character string	Account number of system	4598156

TABLE 4

Similarly, for the account of the bedding middle user, a serial number loan _ type can be allocated for the bedding middle user, the financial affairs identify the bedding middle user through the loan _ type, account management is carried out, each loan _ type creates a bedding middle user internal serial number uid which is invisible to the outside, and a bedding middle user association relation table is used for managing the association relation between the bedding middle user and each currency account. The key information of the bedding middle user association relationship table is shown in table 5 below.

Name of field	Type of field	Description of the invention	Examples of the invention
				loan_type	Character string	External numbering for bedding middleboxes	9999
uid	Character string	Internal numbering of bedding middle house	0009999
				currency	Character string	Coin kind	CNY
acno	Character string	Account number of system	9999156

TABLE 5

In this embodiment, the whole account system in the money transfer platform is divided into a class C account system, a bank account system, and a funding intermediary account system. The class C account system is shown in fig. 5, where the class C account includes an external customer and may also include a platform revenue account (the revenue account may be considered an internal customer). Each customer can open a plurality of currency accounts, and the customer number is associated with the system account number through key elements such as currency and the like. As shown in FIG. 5, the merchant M corresponds to the space-uid, and the uid corresponds to acno _11, acno _12 …. acno _1n, wherein the currency of acno _11 is CNY, the currency of acno _12 is HKD, and the currency of acno _1n is cur _ n.

The bank account system is shown in fig. 6, and the bank type account is a downstream channel account. Each channel can also open a plurality of currency accounts, and the bank number is associated with the system account number through key elements such as currency and the like. For example, in FIG. 6, bank B corresponds to bankType-uid, and uid corresponds to acno _21 and acno _22 …. acno _2n, where CNY is the currency of acno _21, HKD is the currency of acno _22, and cur _ n is the currency of acno _2 n.

The account system of the medium investment account is shown in fig. 7, the medium investment account can also open a plurality of currency accounts, and the number of the medium investment account is related to the system account number through key elements such as currency and the like. As shown in FIG. 7, the capital intermediary corresponds to lonType-uid, and uid corresponds to acno _31, acno _32 …. acno _3n, wherein the denomination of acno _31 is CNY, the denomination of acno _32 is HKD, and the denomination of acno _3n is cur _ n.

In this embodiment, the account creation also distinguishes between class C accounts, bank accounts, and funding intermediaries. The C-type account creation process is shown in fig. 8, and includes the steps of:

s802, generating an external serial number spid for the client M;

s804, generating a client internal number uid;

s806, inquiring a customer account association table; judging whether the account number of the client in the same currency system exists, if so, executing S812; if not, go to step S808.

S808, generating a system account acno;

s810, recording a C-type account association table;

s812, inquiring a C-type balance account table; judging whether the system account acno exists, if so, executing S816; if not, executing S814;

s814, writing into a C-type balance account table;

and S816, obtaining the system account of the customer M.

The corresponding relationship among the external number spid, the internal number uid and the system account acno is shown in fig. 5, and the customer account association table is used for recording the corresponding relationship among the external number spid, the internal number uid and the system account acno. The class C balance account table is used for recording balance information of the account, and key information of the class C balance account table is shown in table 2. And when the client account association table is inquired and no system account corresponding to the currency exists, generating a new system account acno, and recording the system account acno into a C-type account association table, wherein the C-type account association table records association relations between various C-type accounts and corresponding system accounts. And inquiring the C-type balance account table, determining whether the system account acno is successfully written, if so, obtaining a newly-built system account of the customer M, otherwise, writing the system account acno into the C-type account association table, and obtaining the newly-built system account of the customer M.

The bank type account and bedding intermediate user creating process is similar to the C type account creating process, corresponding creating objects are replaced correspondingly, and the bank type account and bedding intermediate user are created. In this embodiment, each customer may open a plurality of currency accounts on the exchange platform to record balance information of each currency of the customer, and may provide a basic underlying account system for accessing the exchange platform to the customer and a downstream channel. The exchange platform can access a plurality of customers and downstream channels by using the set of account system, and the number is not limited; meanwhile, different currency accounts can be flexibly established for the customers and the channels according to the actual needs of the customers and the actual support capability of the channels. In addition, the method can also support multi-currency collection and payment service, and bring more application prospects for service expansion.

In this embodiment, after the remittance platform accepts the request of the merchant and completes the remittance, the system fund clearance is required, and the fund clearance refers to a process of fund transfer by account balance transfer among all the related parties participating in the foreign exchange transaction in the remittance platform. In the process of clearing funds, the basic principle of "having loan and loan must be equal" in the accounting is strictly met. Specifically, the money exchange platform accepts a client request, namely receives a resource exchange request, and the client designates to buy and sell currency and to buy foreign currency amount; the exchange platform quotes the price of the customer according to the market benchmark price and the fixed price, calculates the money amount which the customer pays, namely the exchange resource amount of the exchange resource type, and freezes the money of the customer money; if the balance of the customer account is insufficient, the middle user of the resource-backing process pads first to "borrow money" for the customer, namely when the holding quantity of the swapped-out resource in the account of the requesting party corresponding to the resource exchange request is smaller than the holding quantity of the swapped-out resource, the quantity of the resource to be supplemented is determined according to the difference between the swapping-out resource quantity and the holding quantity of the swapped-out resource, the resource to be supplemented with the quantity corresponding to the quantity of the resource to be supplemented in the account of the resource exchange platform is supplemented into the account of the requesting party, and the money of the customer's own money is frozen. The standard exchange rate refers to an estimated cost exchange rate when the exchange platform receives a client exchange request; the fixed income refers to the income brought by the exchange platform for adding price to the client exchange rate or adding the fee in charge during the exchange process; the floating loss and gain are also called floating loss, and floating excess or floating loss is caused by the difference between the actual trading price of the downstream channel and the platform reference price due to the fluctuation of the exchange rate; the fund is that when the balance of the customer in the exchange platform is insufficient, the exchange platform uses own fund to trade for the customer, and at the moment, the customer generates a loan at the exchange platform; the medium fund payment is a system account, and when the balance of the customer is insufficient and the fund payment is needed, money is paid from the medium fund payment and is paid into the customer account.

The exchange platform submits the request to a downstream channel bank, wherein the request comprises the money bought and sold and the foreign currency amount bought; the channel bank returns the result of the money purchase, which comprises the actual exchange rate and the actual money deduction amount; and the exchange platform calculates fixed income and floating profit according to the amount of the quoted price for the customer, the amount of the system benchmark price and the actual transaction amount of the channel, and the fixed income and the floating profit are specifically shown in the formulas (1) to (4).

Fixed income (home currency) is the amount quoted to the customer-system reference price calculation amount formula (1)

The floating loss (coin) is the actual channel transaction amount-the system reference price calculation amount formula (2) wherein,

the price offered to the customer is the amount of the customer's purchase, and the price offered to the customer is the exchange rate formula (3)

System reference price calculation sum as customer appointed purchase amount system reference exchange rate formula (4)

And then, transferring the sum among the accounts according to the calculated sum, thereby realizing the exchange processing.

The process that the money exchange platform accepts the client request and performs quotation and money fund freezing is called money purchase initiation; the process of the exchange platform calculating the fixed income and the floating profit and loss according to the result of the exchange returned by the channel bank is called as exchange guide. Fig. 9 is a flow of processing initiated by purchasing a foreign exchange, and fig. 10 is a flow of processing of purchasing a foreign exchange.

Specifically, taking the customer originating CNY- > USD, and the purchase request (i.e. the customer requests CNY to be replaced by USD, and other currencies and the like) as an example, in the customer purchase origination request phase, it is assumed that the customer request and the market benchmark exchange rate parameters are as shown in table 6 below.

TABLE 6

After the pricing calculation, the customer CNY ￥ 690 needs to be frozen 690, if the customer balance is insufficient, the customer needs to pay for "borrowing" ￥ 690 from the payment intermediate user account, the fund flow is as shown in FIG. 11, the payment intermediate user pays RMB 690 to the customer account corresponding to the merchant C, and freezes the money of the money in the customer account corresponding to the merchant C.

The results of the exchange back stage are shown in Table 7 below.

TABLE 7

Because the actual exchange rate is different from the exchange rate when the exchange purchase is initiated, the actual exchange amount is inconsistent with the reference amount, and further floating profit and loss are generated; meanwhile, when the customer purchases and initiates the remittance, the remittance platform carries out remittance rate pricing on the customer, so that fixed income is generated, the final fund flow is shown in fig. 12 and 13, the physical fund flow is shown in fig. 12, a bank carries out remittance processing in the foreign exchange market, and 100 dollars are purchased by using 675 RMB; fig. 13 shows the system fund flow, which unfreezes 690 rmb in the customer account of merchant C, and transfers 690 rmb to the fixed income account, the money buying bank account, and the profit and loss account, respectively, and transfers $ 100 to the customer account corresponding to merchant C via the money buying bank account. In the physical fund flow, after the Douglas bank finishes buying the money, a deduction of CNY 675 yuan and an increase of USD 100 yuan are recorded in the physical account of the money exchange platform. In the system fund flow, the account change of the Douglas bank system corresponds to the physical account change, and the settlement between the customer C account and the income account is carried out.

In the embodiment, when the balance of the customer is insufficient, the money is borrowed to the customer by the money-charging intermediate user, so that the condition that each customer is charged with money is recorded; finally, the money the customer borrows from the bedding intermediate is also returned, and a tie-out process is also required. The balance balancing method comprises the steps that after a customer complements the balance of an account through modes of recharging and the like, the system initiates balance balancing, and the balance balancing is equivalent to the fact that the customer returns money to a money exchange platform. Specifically, an account flow meter is used to record each fund operation condition of each account, and key elements of the accounts of both transaction parties, currency, amount, transaction type, transaction time and the like of the fund operation are recorded in the flow meter, as shown in table 8 below.

TABLE 8

By inquiring the account flow and appointing the transaction account number and the transaction type, the detailed investment debt of each customer can be known.

When the tie account processing is carried out, inquiring the running water of a medium user in bedding, and screening the running water of which the transaction type is the bedding type; and processing each cushion flow in turn. Specifically, analyzing the assembly line to obtain key information of account numbers, currency types, money amounts, transaction order numbers and the like of both transaction parties; inquiring the tie-account record table, if the tie-account record table does not exist or fails and the balance of the customer account is sufficient, performing fund clearing, transferring the fund of the customer account to a fund raising intermediate user (namely, returning money), and updating the state of the tie-account record to be successful; and if the balance of the client is insufficient, the account leveling record state is recorded as failure. The key information of the tie-account record table is shown in table 9 below. The tie account record table comprises information such as a running number, a transaction order number, a balance account number, a transaction counter account number, currency, amount, state, record creation time and the like.

TABLE 9

The flow of the tie-down processing is shown in fig. 14, the account running water of the user in the bedding is inquired, the running water is analyzed, information such as a transaction order number, account numbers of both parties, currency and amount is obtained, a tie-down record table is inquired, if the tie-down record exists, whether writing is successful is judged, and if yes, the next flow analysis processing is carried out. And if the tie-account record does not exist, writing the tie-account record into a tie-account record table, determining whether the balance of the customer account is more than or equal to the bedding amount, if so, leveling the bedding, and after the tie-account record table is updated successfully, performing next flow analysis processing until all the flow level tie-account processing is finished. The balance fund flow is as shown in fig. 15, and the repayment 690 yuan from the rmb account of the merchant C is transferred to the rmb account of the funding middle user, so that the balance of the borrowing is realized.

In this embodiment, the client bedding and tie-out process records the running water, and the detail of each bedding and tie-out is also recorded. In addition, a matched accounting program is needed to count the daily debt condition of the client, so that related personnel can conveniently chase money to the client. Specifically, the arrears include the client's initial arrears balance, the client's current arrears occurrence amount, and the client's end-of-term arrears balance. The management can be specifically carried out by establishing a customer bedding out accounting table, and the customer bedding out accounting table can comprise the supplement of the amount of the resources to be offset. Specifically, key information of the customer bedding accounting table is shown in table 10 below.

Name of field	Type of field	Description of the invention	Examples of the invention
				account_calc_date	Date format	Calculating the date	2000-01-01
spid	Character string	Customer number	1000001
				currency	Character string	Coin kind	CNY
acno	Character string	Customer balance account	1000001156
				begin_balance	Number of	Balance of arrears in the beginning of the period	100
trade_num	Number of	Amount of debt in the current period	50
				end_balance	Number of	End of term arrears balance	150

Watch 10

Wherein, the requirement of initial arrearage balance is yesterday end arrearage balance, and the end arrearage balance is initial arrearage balance + current arrearage generation amount. The amount of the current debt is obtained by counting the pad flow and the balance flow of the currency of the client, specifically

By the result of the calculation, the arrearage condition of each currency of each client can be known, so that the client can be chased. In specific application, the commission and interest of arrearage of the bedding can be increased.

In the embodiment, the client is allowed to submit the transaction request under the condition of insufficient account balance, and the exchange platform uses own funds to fund the client; meanwhile, in the bedding transaction process, a compound accounting method in accounting is adopted to clear funds, so that the clearness and verifiability of the fund flow of the system account are ensured, and the safety of the account funds is ensured. Meanwhile, the matched tie-out processing is used for carrying out tie-out payment according to the current debt and account balance of the client, and in addition, the current debt of the client is calculated through the client capital investment accounting table, so that a basis is provided for money recourse, and effective risk control is carried out. In addition, the resource exchange method of the embodiment may also be applied to a remittance process, and specifically, different payment types may be distinguished by distinguishing different transaction types in account flow, so as to use different commission fees and interest rates, thereby perfecting processing of resource exchange and improving processing efficiency of resource exchange.

Fig. 2, 3, 4, 8, 9, 10, and 14 are flow diagrams illustrating resource exchange methods in some embodiments. It should be understood that, although the individual steps in the flowcharts of fig. 2, 3, 4, 8, 9, 10 and 14 are shown in order as indicated by the arrows, these steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least some of the steps in fig. 2, 3, 4, 8, 9, 10, and 14 may include multiple sub-steps or multiple stages that are not necessarily performed at the same time, but may be performed at different times, and the order of performing the sub-steps or stages is not necessarily sequential, but may be performed alternately or alternatingly with other steps or at least some of the sub-steps or stages of other steps.

As shown in fig. 16, in one embodiment, there is provided a resource switching apparatus 1600, comprising:

an exchange request receiving module 1602, configured to receive a resource exchange request;

a swap-out resource amount determining module 1604, configured to determine a swap-out resource amount of the swap-out resource type according to the resource exchange request;

a resource holding amount determining module 1606, configured to determine a swap-out resource holding amount of a swap-out resource in a requestor account corresponding to the resource exchange request;

a supplementary resource determining module 1608, configured to determine, when the swapped-out resource holding amount is smaller than the swapped-out resource holding amount, a resource amount to be supplemented according to a difference between the swapped-out resource holding amount and the swapped-out resource holding amount;

the swap-in resource swapping module 1610 is configured to swap in a swap-in resource of a resource type according to the swap-out resource in the resource exchange platform account and the to-be-replenished resource in the amount corresponding to the amount of the to-be-replenished resource and the swap-out resource in the requestor account.

In one embodiment, the swap out resource amount determination module 1604 includes: the exchange request analysis module is used for determining a swap-out resource type, a swap-in resource type and a resource exchange amount according to the resource exchange request; the switching parameter determining module is used for acquiring switching parameters between the switched-out resource type and the switched-in resource type; and the swap-out resource amount obtaining module is used for determining the swap-out resource amount of the swap-out resource type according to the resource exchange amount and the exchange parameters.

In one embodiment, the supplemental resource determination module 1608 includes a deficit determination module and an amount of resources to be supplemented determination module; wherein: the difference determining module is used for determining the difference between the swapped-out resource quantity and the swapped-out resource holding quantity when the swapped-out resource holding quantity is smaller than the swapped-out resource quantity; and the resource amount to be supplemented determining module is used for determining the resource amount to be supplemented of the resource type according to the difference and the preset floating resource amount.

In one embodiment, the swap-in resource swap-out module 1610 includes a resource-to-be-replenished determining module, a swap-out resource updating module, and a resource swap-out module; wherein: the resource to be supplemented determining module is used for determining the resources to be supplemented with the quantity corresponding to the quantity of the resources to be supplemented in the account of the resource exchange platform side; the swap-out resource updating module is used for updating the resource amount of the swap-out resource in the account of the requesting party according to the resource to be supplemented to obtain the updated swap-out resource in the account of the requesting party; and the resource swapping module is used for swapping the swapped-in resource of the swapped-in resource type based on the updated swapped-out resource.

In one embodiment, the resource exchange module comprises an exchange request forwarding module, an exchange result receiving module and an updated resource processing module; wherein: the exchange request forwarding module is used for sending the resource exchange request to the resource exchange channel; the resource exchange request is used for indicating the resource exchange channel to exchange resources according to the resource exchange request; the exchange result receiving module is used for receiving the resource exchange result returned by the resource exchange channel; and the updated resource processing module is used for obtaining the swap-in resource of the swap-in resource type through the updated swap-out resource when the type of the resource exchange result is that the resource exchange is successful.

In one embodiment, the system further comprises a swap-out resource freezing module and a swap-out resource unfreezing module; wherein: the swap-out resource freezing module is used for freezing the updated swap-out resource in the account of the requester; and the swapped-out resource unfreezing module is used for unfreezing the updated swapped-out resource in the account of the requester when the type of the resource exchange result is that the resource exchange is unsuccessful.

In one embodiment, the system further comprises an actual swap-out resource determining module, an exchange deficit determining module and an exchange deficit account updating module; wherein: the actual swap-out resource determining module is used for determining the actual swap-out resource amount of the swap-out resource type according to the resource exchange result; the exchange deficit amount determining module is used for obtaining the resource exchange deficit amount according to the actual swapped-out resource amount and the swapped-out resource amount; and the exchange balance account updating module is used for updating the resource amount of the resource exchange balance account corresponding to the resource exchange balance amount according to the resource exchange balance amount.

In one embodiment, the system further comprises a resource compensation record obtaining module, a supplement cancellation resource determining module and a supplement cancellation processing module; wherein: the resource compensation record obtaining module is used for obtaining a resource compensation record of the account of the resource exchange platform according to the account of the requesting party, the type of the exchanged resource and the amount of the resource to be compensated; the supplement offset resource determining module is used for determining supplement offset resources in the account of the requester according to the resource supplement record when the resource supplement record processing condition is met; and the supplement cancellation processing module is used for transferring the supplement cancellation resources to the account of the resource exchange platform side for supplement cancellation and obtaining a supplement cancellation record according to the supplement cancellation result.

In one embodiment, the supplemental cancellation resource determination module comprises a supplemental cancellation resource amount determination module and a supplemental cancellation resource amount processing module; wherein: a supplement offset resource amount determining module, configured to determine, when a supplement offset record corresponding to the resource supplement record is not detected, or when it is detected that the type of the supplement offset record corresponding to the resource supplement record is a supplement offset failure, a supplement offset resource amount corresponding to a resource amount to be supplemented in the resource supplement record; the supplement offset resource processing module is used for determining supplement offset resources in the account of the requester according to the supplement offset resource; the compensation resource is replaced by the resource of the resource type.

In one embodiment, the system further comprises a resource supplementing record obtaining module, a supplementing cancellation record obtaining module and a supplementing to-be-cancelled resource amount determining module; wherein: the resource supplement record obtaining module is used for obtaining a resource supplement record of the account of the requester according to the type of the exchanged resources and the amount of the resources to be supplemented; the supplementary offset record acquisition module is used for acquiring the supplementary offset record of the account of the requester when the resource supplementary record processing condition is met; the supplementary offset record is obtained by transferring the supplementary offset resource corresponding to the resource to be supplemented to the account of the resource exchange platform side from the account of the requesting side for supplementary offset; and the supplement to-be-compensated resource amount determining module is used for obtaining the supplement to-be-compensated resource amount of the account of the requesting party according to the resource supplement record and the supplement to-be-compensated record of the account of the requesting party.

FIG. 17 is a diagram illustrating an internal structure of a computer device in one embodiment. The computer device may be specifically the foreign exchange trading platform server 120 in fig. 1. As shown in fig. 17, the computer apparatus includes a processor, a memory, a network interface, an input device, and a display screen connected through a system bus. Wherein the memory includes a non-volatile storage medium and an internal memory. The non-volatile storage medium of the computer device stores an operating system and may also store a computer program that, when executed by the processor, causes the processor to implement the resource exchange method. The internal memory may also have stored therein a computer program that, when executed by the processor, causes the processor to perform a resource exchange method. The display screen of the computer equipment can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, a key, a track ball or a touch pad arranged on the shell of the computer equipment, an external keyboard, a touch pad or a mouse and the like.

Those skilled in the art will appreciate that the architecture shown in fig. 17 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.

In one embodiment, the resource exchange apparatus provided in the present application may be implemented in a form of a computer program, and the computer program may be run on a computer device as shown in fig. 17. The memory of the computer device may store various program modules constituting the resource exchanging apparatus, such as an exchange request receiving module 1602, a swap-out resource amount determining module 1604, a resource holding amount determining module 1606, a supplemental resource determining module 1608, and a swap-in resource swapping module 1610 shown in fig. 16. The computer program constituted by the respective program modules causes the processor to execute the steps in the resource exchange method of the respective embodiments of the present application described in the present specification.

For example, the computer device shown in fig. 17 may perform receiving a resource exchange request through the exchange request receiving module 1602 in the resource exchange apparatus shown in fig. 16. The computer device may perform determining a swap-out resource amount for a swap-out resource type from the resource swap request by swap-out resource amount determination module 1604. The determination of a swap out resource hold for the swapped out resource in the requestor account corresponding to the resource exchange request may be performed by the computer device via resource hold determination module 1606. The computer device may determine the amount of resources to be replenished by determining the difference between the swapped-out resource amount and the swapped-out resource holding amount through the replenishment resource determining module 1608 when the swapped-out resource holding amount is less than the swapped-out resource amount. The computer device can exchange the swap-in resource of the resource type according to the amount of the resource to be replenished in the account of the resource exchange platform and the swap-out resource in the account of the requester by the swap-in resource swap-in module 1610.

In an embodiment, a computer device is provided, comprising a memory and a processor, the memory storing a computer program which, when executed by the processor, causes the processor to perform the steps of the above-described resource exchange method. Here, the steps of the resource exchange method may be steps in the resource exchange methods of the above-described embodiments.

In one embodiment, a computer-readable storage medium is provided, in which a computer program is stored, which, when executed by a processor, causes the processor to perform the steps of the above-described resource exchange method. Here, the steps of the resource exchange method may be steps in the resource exchange methods of the above-described embodiments.

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by a computer program, which can be stored in a non-volatile computer-readable storage medium, and can include the processes of the embodiments of the methods described above when the program is executed. Any reference to memory, storage, database, or other medium used in the embodiments provided herein may include non-volatile and/or volatile memory, among others. Non-volatile memory can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDRSDRAM), Enhanced SDRAM (ESDRAM), Synchronous Link DRAM (SLDRAM), Rambus Direct RAM (RDRAM), direct bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).

The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.

The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the present application. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.

Claims

1. A method of resource exchange, comprising:

receiving a resource exchange request;

2. The method of claim 1, wherein determining a swap-out resource amount for a swap-out resource type based on the resource swap request comprises:

determining a swap-out resource type, a swap-in resource type and a resource exchange amount according to the resource exchange request;

acquiring an exchange parameter between the swapped-out resource type and the swapped-in resource type;

and determining the swap-out resource amount of the swap-out resource type according to the resource swap amount and the swap parameter.

3. The method of claim 1, wherein determining an amount of resources to be replenished based on a difference between the amount of swapped-out resources and the amount of swapped-out resource holds when the amount of swapped-out resources is less than the amount of swapped-out resources comprises:

determining a difference between the swapped out resource quantity and the swapped out resource holding quantity when the swapped out resource holding quantity is less than the swapped out resource quantity;

and determining the amount of the resource to be supplemented of the swapped out resource type according to the difference and the preset floating resource amount.

4. The method according to claim 1, wherein the swapping in resources of a swapped-in resource type according to the swapped-out resources in the resource exchange platform side account and the amount of resources to be replenished corresponding to the amount of resources to be replenished and the swapped-in resources in the requester side account comprises:

determining the amount of resources to be supplemented corresponding to the amount of the resources to be supplemented in the account of the resource exchange platform side;

updating the resource amount of the swapped-out resource in the account of the requesting party according to the resource to be supplemented, and obtaining the updated swapped-out resource in the account of the requesting party;

swapping in resources of the swapping-in resource type based on the updated swapped-out resources.

5. The method of claim 4, wherein swapping in resources of a swapped-in resource type based on the updated swapped-out resource comprises:

sending the resource exchange request to a resource exchange channel; the resource exchange request is used for indicating the resource exchange channel to exchange resources according to the resource exchange request;

receiving a resource exchange result returned by the resource exchange channel;

and when the type of the resource exchange result is that the resource exchange is successful, obtaining the swap-in resource of the swap-in resource type through the updated swap-out resource swap.

6. The method of claim 5, further comprising, after obtaining the updated swapped-out resource in the requestor account: the updated swapped-out resources in the account of the requesting party are frozen;

after the receiving the resource exchange result returned by the resource exchange channel, the method further comprises: and when the type of the resource exchange result is that the resource exchange is unsuccessful, unfreezing the updated swapped-out resource in the account of the requesting party.

7. The method of claim 5, further comprising:

determining the actual swap-out resource amount of the swap-out resource type according to the resource swap-out result;

obtaining a resource exchange allowance quantity according to the actual exchanged resource quantity and the exchanged resource quantity;

and updating the resource amount of the resource exchange balance account corresponding to the resource exchange balance amount according to the resource exchange balance amount.

8. The method of claim 1, further comprising:

obtaining a resource compensation record of the resource exchange platform side account according to the requester account, the type of the resource to be exchanged and the amount of the resource to be compensated;

when the processing condition of the resource compensation record is met, determining the compensation offset resource in the account of the requester according to the resource compensation record;

and transferring the supplement cancellation resources to the account of the resource exchange platform side for supplement cancellation, obtaining a supplement cancellation record according to a supplement cancellation result, and storing the supplement cancellation record into a block chain.

9. The method of claim 8, wherein determining the replenishment cancellation resource in the requester account according to the resource replenishment record when the resource replenishment record processing condition is satisfied comprises:

when the supplement offset record corresponding to the resource supplement record is not detected, or the type of the supplement offset record corresponding to the resource supplement record is detected to be supplement offset failure, determining the supplement offset resource amount corresponding to the resource amount to be supplemented in the resource supplement record;

determining the supplementary offset resources in the account of the requesting party according to the supplementary offset resource amount; the supplementary offset resource is the resource of the swapped-out resource type.

10. The method of claim 1, further comprising:

obtaining a resource supplement record of the account of the requester according to the swapped-out resource type and the amount of the resource to be supplemented;

when the resource supplementing record processing condition is met, obtaining the supplementing offset record of the account of the requester; the supplementary offset record is obtained by transferring the supplementary offset resource corresponding to the resource to be supplemented to the account of the resource exchange platform side from the account of the requesting side for supplementary offset;

and obtaining the resource amount to be compensated of the account of the requesting party according to the resource compensation record and the compensation record of the account of the requesting party.

11. The method of claim 1, wherein the requestor account comprises requestor sub-accounts corresponding to various resource types; the resource exchange platform side account comprises platform side sub-accounts corresponding to various resource types.

12. An apparatus for resource exchange, the apparatus comprising:

13. The apparatus of claim 12, wherein the swap out resource amount determination module comprises:

the exchange request analysis module is used for determining a swap-out resource type, a swap-in resource type and a resource exchange amount according to the resource exchange request;

the switching parameter determining module is used for acquiring switching parameters between the switched-out resource type and the switched-in resource type;

and the swap-out resource amount obtaining module is used for determining the swap-out resource amount of the swap-out resource type according to the resource exchange amount and the exchange parameter.

14. A computer-readable storage medium, storing a computer program which, when executed by a processor, causes the processor to carry out the steps of the method according to any one of claims 1 to 11.

15. A computer device comprising a memory and a processor, the memory storing a computer program that, when executed by the processor, causes the processor to perform the steps of the method according to any one of claims 1 to 11.