Detailed Description
The following description of the embodiments of the present application will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present application, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.
The resource conversion method provided by the embodiment of the application can be applied to various fields of Cloud technology, such as the fields of Cloud computing in Cloud technology (Cloud technology), cloud service and related data computing processing in the field of big data, and aims to acquire a first resource conversion request corresponding to a first resource conversion channel through a first resource conversion platform, determine the request time corresponding to the first resource conversion request, process the first resource conversion request through a second resource conversion channel if the request time corresponding to the first resource conversion request does not belong to the operation time of the current date of the first resource conversion channel, and process the first resource conversion request through the first resource conversion channel if the request time corresponding to the first resource conversion request belongs to the operation time of the current date of the first resource conversion channel.
Cloud technology refers to a hosting technology for unifying serial resources such as hardware, software, network and the like in a wide area network or a local area network to realize calculation, storage, processing and sharing of data. The resource conversion method provided by the embodiment of the application can be realized based on cloud computing (closed computing) in cloud technology.
Cloud Computing refers to obtaining required resources through a network in an on-demand and easily-extensible manner, and is a product of traditional computer and network technology development fusion such as Grid Computing (Grid Computing), distributed Computing (Distributed Computing), parallel Computing (Parallel Computing), utility Computing (Utility Computing), network storage (Network Storage Technologies), virtualization (Virtualization) and Load balancing (Load Balance).
An artificial intelligence cloud service, also commonly referred to as AIaaS (AI AS A SERVICE, AI is a service). The service mode of the artificial intelligent platform is the mainstream at present, and particularly, the AIaaS platform can split several common artificial intelligent services and provide independent or packaged services at the cloud, such as processing resource conversion requests and the like.
Big data (Big data) refers to a data set which cannot be captured, managed and processed by a conventional software tool within a certain time range, and is a massive, high-growth-rate and diversified information asset which needs a new processing mode to have stronger decision-making ability, insight discovery ability and flow optimization ability. With the advent of the cloud age, big data has attracted more and more attention. The resource conversion method provided in this embodiment is effectively implemented based on big data, and is applicable to big data technologies including massively parallel processing databases, data mining, distributed file systems, distributed databases, and cloud computing.
In some possible implementations, the first resource conversion request includes, but is not limited to, obtaining the first resource conversion request by the smart device. The manner of obtaining the first resource conversion request may be to obtain a to-be-processed instruction corresponding to the first resource conversion request, and then generate the first resource conversion request based on the to-be-processed instruction, where the to-be-processed instruction includes, but is not limited to, instruction information used for querying, commanding, communicating, etc. in a process of intelligent question-answering, etc., and may be specifically determined based on actual application scene requirements, which is not limited herein. After the user receives dialogue information such as input voice and text in the man-machine dialogue process, the intelligent device needs to determine the real meaning expressed by the to-be-processed instruction to know the real intention of the user, so as to execute a first resource conversion request corresponding to the real intention of the user. Or the first resource conversion request can also be related to pending instructions of the first resource conversion request directly input by the user through the first resource conversion platform, and then the first resource conversion request is generated by the pending instructions.
The smart device includes, but is not limited to, mobile terminals such as mobile phones, notebook computers, digital broadcast receivers, PDAs (personal digital assistants), PADs (tablet personal computers), PMPs (portable multimedia players), vehicle terminals (e.g., car navigation terminals), and fixed terminals such as digital TVs, desktop computers, etc., and may be specifically determined based on actual application scenario requirements, which is not limited herein.
The terms related to the present invention are explained as follows:
purchase exchange (resource conversion) the other currencies are exchanged with the home currency (here referred to as renmins).
Reverse exchange (reverse resource conversion) the currency (here renmins) is exchanged for the other currency.
Channel-a mechanism or unit that can provide support for resource conversion services, mainly a bank, in the embodiment of the present application, the resource conversion channel actually refers to an electronic device of the mechanism or unit that provides support for resource conversion services, such as a server of the bank that provides resource conversion services.
And (5) converting the resources in/out of the environment, wherein the business side client designates a resource conversion channel as an operation of resource conversion request in/out of the environment.
And (3) delivery date, namely after the buyer with the option requests the seller with the option to fulfill the contract, the buyer and the seller respectively pay the date of money purchased by the other party.
The term of delivery (T for short) may also be the date of delivery, and the number following T represents the date of delivery after the transaction. For example, T0 represents the completion of the delivery on the day, and T2 represents the completion of the delivery on the second transaction day after the resource conversion.
In the prior art, when the resource conversion channel in the environment receives a resource conversion request in non-operation time, the resource conversion platform holds funds corresponding to the resource conversion request in the period from the moment of receiving the resource conversion request to the next transaction day, and takes over the funds risk brought by exchange rate conversion in the period.
Referring to fig. 1, fig. 1 is a principle of a prior art resource conversion scheme. As shown in fig. 1, when the resource conversion platform receives a resource conversion request (an in-house resource conversion request, a CNY (renminbi) request to buy USD (United States dollar, dollars)) at 11 pm on T day, since the next transaction day on T day is t+1 day, the resource conversion platform needs to bear the funds lost due to the change in exchange rate from 11:00pm on T day to 9:30am on t+1 day. Where USD in fig. 1 represents dollars and CNY represents the landed rmb.
According to an aspect of an embodiment of the present invention, there is provided a resource conversion method. Alternatively, the resource transformation method may be applied, but not limited to, in an application environment as shown in fig. 2. As shown in fig. 2, the resource conversion method may be applied to, but not limited to, a resource conversion system in the environment shown in fig. 2, where the resource conversion system may include, but is not limited to, a user terminal 101, a network 102, a server 103 (a server corresponding to a first resource conversion platform), a server 104 (a server corresponding to a second resource conversion channel), and a server 105 (a server corresponding to a first resource conversion channel). The user terminal 101 runs a resource conversion Application, which is an Application capable of providing a user with a resource conversion service, and may be a web Application, an Application program (APP), or the like. The user terminal 101 includes a man-machine interaction screen 1011, a processor 1012 and a memory 1013. The man-machine interaction screen 1011 is used for a user to initiate a first resource request through the man-machine interaction screen. The processor 1012 is configured to process the operations associated with the first resource request. Memory 1013 is configured to store data related to the first resource request.
The server 103 includes a database 1031 and a processing engine 1032. The server 104 includes a database 1041 and a processing engine 1042. The server 105 includes a database 1051 and a processing engine 1052.
As shown in fig. 2, the specific process of processing the resource conversion request by the resource conversion method in the present application is as follows:
S1, a user initiates a first resource conversion request through a resource conversion application in a user terminal 101, and sends the first resource conversion request to a server 103 corresponding to a first resource conversion platform through a network 102.
S2, after the server 103 corresponding to the first resource conversion platform receives the first resource conversion request, determining the request time of the first resource conversion request. If the request time does not belong to the operation time of the current date of the first resource conversion channel, steps S3-S8 are executed, and if the request time does not belong to the operation time of the current date of the first resource conversion channel, steps S5 and S9 are executed.
S3, if the request time does not belong to the operation time of the current date of the first resource conversion channel, based on the first resource conversion request, the processing engine 1032 generates a second resource conversion request corresponding to the second resource conversion channel, and sends the second resource conversion request to the server 104 corresponding to the second resource conversion channel. Wherein the request time of the second resource conversion request belongs to the operation time of the second resource conversion channel. The database 1031 is used to store data related to the second resource conversion request.
S4, after the server 104 corresponding to the second resource conversion channel receives the second resource conversion request, the processing engine 1042 executes the second resource conversion request, where the database 1041 is used for storing data related to the second resource conversion request.
S5, the server 103 corresponding to the first resource conversion platform sends a first resource conversion request to the server 105 corresponding to the first resource conversion channel.
S6, when the server 105 corresponding to the first resource conversion channel receives the first resource conversion request, the processing engine 1052 executes the first resource conversion request at the operation time of the date next to the current date of the first resource conversion channel, where the database 1051 is used to store the data related to the first resource conversion request.
S7, the server 103 corresponding to the first resource conversion platform sends a reverse resource conversion request corresponding to the second resource conversion request to the server 104 corresponding to the second resource conversion channel.
S8, when the server 104 corresponding to the second resource conversion channel receives the reverse resource conversion request corresponding to the second resource conversion request, the processing engine 1042 executes the reverse resource conversion request corresponding to the second resource conversion request, where the database 1041 is used for storing data related to the reverse resource conversion request corresponding to the second resource conversion request.
S9, if the request time corresponding to the first resource conversion request belongs to the operation time of the current date of the first resource conversion channel, when the server 105 corresponding to the first resource conversion channel receives the first resource conversion request, the processing engine 1052 executes the first resource conversion request, where the database 1051 is used to store the data related to the first resource conversion request.
In an alternative embodiment, the resource conversion method of the present application may be applied to the following scenarios:
The resource conversion operation times corresponding to the first resource conversion channel and the second resource conversion channel are not identical or are completely different. For example, at the same time, the organization or unit corresponding to the first resource conversion channel is a non-operation time, and the organization or unit corresponding to the second resource conversion channel is an operation time, and when the received resource conversion request is not the operation time of the current date of the first resource conversion channel, the received resource conversion request can be processed by means of the second resource conversion channel when the received resource conversion request is the operation time corresponding to the second resource conversion channel.
In order to more clearly understand the first resource conversion channel and the second resource conversion channel, in an alternative embodiment, the legal currency corresponding to the first resource conversion channel and the second resource conversion channel are different. For example, the first resource conversion channel may be understood as an in-home bank (i.e. an electronic device of the in-home bank providing a resource conversion service). The second resource conversion channel may be understood as an overseas bank (i.e. an electronic device of an overseas bank providing a resource conversion service). Wherein the first resource conversion channel may be referred to as an in-home resource conversion channel and the second resource conversion channel may be referred to as an out-of-home resource conversion channel, it being understood that in-home and out-of-home are a relative concept, as an example, such as in-home resource conversion channel is china, out-of-home resource conversion channel may be us, legal currency of in-home resource conversion channel may be rennet, legal currency of out-of-home resource conversion channel may be dollars.
In the following example, a description will be given of a resource conversion scenario in which a first resource conversion channel is a non-24-hour operation system and a second resource conversion channel is a 24-hour operation system, wherein legal currency of the first resource conversion channel is renminbi and legal currency of the second resource conversion channel is dollars. In practical applications, any other scenario suitable for the present application is also suitable for the present application, which is not limited herein.
For a better understanding and explanation of the solutions provided by the examples of the present application, an alternative embodiment of the present application will be explained first with reference to a specific implementation example. The legal currency of the first resource conversion channel is rmb (the first resource conversion channel is an in-process resource conversion channel in this example), the legal currency of the second resource conversion channel is dollar (the second resource conversion channel is an out-of-process resource conversion channel in this example), the first resource conversion request is a request to buy 100USD, the second resource conversion request is a request to buy 100USD in the out-of-process forward direction, and the reverse resource conversion request corresponding to the second resource conversion request is a request to sell 100USD in the out-of-process reverse direction, based on the resource conversion method of the present application, referring to fig. 3, fig. 3 is a schematic flow chart of a resource conversion method provided by the embodiment of the present application, the execution flow of the resource conversion method in this example may be as follows:
Step 1, after 18:00 on 2020.5.11 days and before 9:00 on 5.12 days, such as 23:00 on 5.11 nights, the user requests to buy 100USD through the in-house resource conversion channel. Wherein 23:00 at night of 5.11 is the non-operation time of the in-house resource conversion channel, and 9:00 at 5.12 is the start operation time of the working day of the in-house resource conversion channel.
Step 2, determining the request time of the user for buying 100 USDs through the internal resource conversion channel, wherein the request time is 23:00 in the evening of 5.11 days after 18:00 in 2020.5.11 days and before 9:00 in 5.12 days.
Step 3, since the request time of the user requesting to buy 100USD through the in-environment resource conversion channel does not belong to the operation time of the current date (5.11 days) of the in-environment resource conversion channel, at this time, a second resource conversion request corresponding to the first resource conversion request (i.e. requesting to buy 100 USD) may be generated (i.e. buying 100USD by means of the out-of-environment), the out-of-environment resource conversion channel may be borrowed, the second resource conversion request may be sent to the out-of-environment resource conversion channel, the second resource conversion request may be processed by the out-of-environment resource conversion channel, and 100USD may be bought in the out-of-environment resource conversion channel.
And 4, normally processing the first resource conversion request at the operation time of 5.12 days (such as 9:30 in the morning of 5.12 days) next to the current date of 5.11 days of the internal resource conversion channel, and buying 100 USDs in the internal resource conversion channel.
Step 5, since 100USD is purchased in the overseas resource conversion channel, the reverse resource conversion request corresponding to the second resource conversion request needs to be executed through the overseas resource conversion channel for the purpose of leveling (100 USD is reversely sold by the overseas resource conversion channel), and 100USD can be reversely sold at 5.13 as shown in fig. 3.
By the scheme provided by the embodiment of the application, when the current date of the internal resource conversion channel is the non-operation time, the second resource conversion request corresponding to the first resource conversion request is executed through the overseas resource conversion channel, so that funds corresponding to the first resource conversion request do not need to be held for a long time in the non-operation time, the fund risk is reduced, and the safety is improved.
Referring to fig. 4, fig. 4 is a flow chart of another resource conversion method provided in an embodiment of the present application, where the method may be performed by any electronic device, for example, a server or a user terminal, or the user terminal and the server may interact with each other, and optionally, may be performed by the user terminal, for the first resource conversion request, the first resource conversion request may be obtained by the user terminal, and then the first resource conversion request is sent to the server by the user terminal, and the first resource conversion request is processed by the server. The server may be an independent physical server, a server cluster or a distributed system formed by a plurality of physical servers, or a cloud server or a server cluster for providing cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communication, middleware services, domain name services, security services, CDNs (Content Delivery Network, content delivery networks), basic cloud computing services such as big data and artificial intelligent platforms, and the like. The user terminal may be a smart phone, a tablet computer, a notebook computer, a desktop computer, a smart speaker, a smart watch, etc., and the user terminal and the server may be directly or indirectly connected through wired or wireless communication, but is not limited thereto.
Referring to fig. 4, fig. 4 is a flowchart of another resource conversion method provided by the embodiment of the present application, and as shown in fig. 4, the resource conversion method provided by the embodiment of the present application includes the following steps:
s201, acquiring a first resource conversion request corresponding to a first resource conversion channel through a first resource conversion platform.
The first resource conversion platform may be understood as an intra-resource conversion platform providing the ability for intra-resource conversion. Corresponding to the first resource conversion platform is a second resource conversion platform, which can also be called an overseas resource conversion platform, provides overseas resource conversion capability support, and has an off-shore RMB foreign exchange transaction capability at night.
The first resource conversion request may specifically be an intra-resource conversion request. For example, the first resource conversion request may be a request to buy a 100USD through an intra-resource conversion channel. It is understood that the first resource conversion request may be determined according to the actual requirement of the user, which is not limited herein.
In some possible embodiments, the first resource conversion request may be initiated by the user directly to the first resource conversion platform, or may also be initiated by the user through a user terminal connected to the first resource conversion platform. In practical applications, the method can be determined according to practical needs, and is not limited herein.
S202, determining the request time corresponding to the first resource conversion request.
In some possible implementations, the request time of the first resource conversion request may be determined as a commit time at which the user committed the first resource conversion request.
Or after the first resource conversion request sent by the user is checked and judged by the first resource conversion platform, the declaration file is generated and packaged, the first resource conversion platform sends the first resource conversion request to the bank for processing, and at this time, the time from the first resource conversion platform sending the first resource conversion request to the bank for processing can be determined as the request time of the first resource conversion request.
S203, if the request time corresponding to the first resource conversion request does not belong to the operation time of the current date of the first resource conversion channel, generating a second resource conversion request corresponding to a second resource conversion channel based on the first resource conversion request, wherein the request time of the second resource conversion request belongs to the operation time of the second resource conversion channel, and executing the second resource conversion request through the second resource conversion channel.
In some possible embodiments, the request time corresponding to the first resource conversion request may be compared with the operation time of the current date of the first resource conversion channel, and if the request time corresponding to the first resource conversion request does not belong to the operation time of the current date of the first resource conversion channel, the first resource conversion request may be processed through the second resource conversion channel, a second resource conversion request corresponding to the first resource conversion request may be generated, and the second resource conversion request may be executed at the operation time of the second resource conversion channel.
Specifically, taking the example that the first resource conversion request is a request to buy 100USD in the first resource conversion channel (in-house resource conversion channel), it is assumed that the user requests to buy 100USD after 18:00 on 2020.5.11 days (T0 days) and before 9:00 on 5.12 days (i.e., 5.11 days at night 23:00), since the request time to buy 100USD does not belong to the operation time of the current date (5 months at 11 days) of the first resource conversion channel, at this time, the first resource conversion request may be transmitted to the second resource conversion channel by borrowing the second resource conversion channel (out-of-house resource conversion channel), and the first resource conversion request may be processed by the second resource conversion channel.
It should be noted that the operation times of the in-environment resource conversion channel and the out-of-environment resource conversion channel are not exactly the same. For example, an in-house resource conversion channel may support only weekday day-day transactions, while an out-of-home resource conversion channel may support 24-hour weekday-day resource conversion transactions. Therefore, the above-described manner of borrowing the second resource conversion channel (overseas resource conversion channel) is theoretically possible.
According to the method and the device, when the first resource conversion request is received in the non-operation time of the first resource conversion channel, the first resource conversion request can be processed through the second resource conversion channel in a way of borrowing the second resource conversion channel, and therefore flexibility in processing the resource conversion request is improved.
For the above step S203, it may also be realized by:
In an alternative embodiment, the method further comprises executing the first resource conversion request at an operation time of a date next to the current date of the first resource conversion channel, and executing a reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel.
Optionally, the second resource conversion request corresponds to the first resource conversion request, and the second resource conversion request is a request corresponding to a second resource conversion channel. In other words, the second resource conversion request is essentially the same amount of funds as the first resource conversion request, except that the second resource conversion request is performed by the second resource conversion channel.
Referring to fig. 5, fig. 5 is a flow chart of another resource conversion method according to an embodiment of the present application. In an alternative example, the request for the first resource transformation may be processed as follows:
S301, acquiring a first resource conversion request corresponding to a first resource conversion channel through a first resource conversion platform.
For the above step S301, see step S201, which is not described in detail herein.
S302, determining the request time corresponding to the first resource conversion request.
For the above step S302, see step S202, which is not described in detail herein.
S303, if the request time corresponding to the first resource conversion request does not belong to the operation time of the current date of the first resource conversion channel, executing a second resource conversion request through the second resource conversion channel.
In the case where the request time of the first resource conversion request does not belong to the operation time of the current date of the first resource conversion channel, a second resource conversion request corresponding to the first resource conversion request may be generated, and then the second resource conversion request is executed by the second resource conversion channel.
S304, executing the first resource conversion request at the operation time of the date next to the current date of the first resource conversion channel.
Then, the first resource conversion request is normally executed at the operation time of the date next to the current date of the first resource conversion channel.
S305, executing the reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel.
And finally, executing the reverse resource conversion request corresponding to the second resource conversion request in the second resource conversion channel. The reverse resource conversion request may specifically be an overseas reverse resource conversion request. For example, the second resource conversion request may be to sell 100USD through an overseas resource conversion channel. It will be appreciated that the second resource conversion request may be determined according to the actual needs of the user, and is not limited herein.
In practical applications, the factor of the delivery date needs to be considered, and for the step S305, in an alternative embodiment, the performing, through the second resource conversion channel, the reverse resource conversion request corresponding to the second resource conversion request may be implemented in a manner that the performing, through the second resource conversion channel, the reverse resource conversion request is performed on the delivery date of the reverse resource conversion request, where the delivery date of the second resource conversion request is the same as the delivery date of the reverse resource conversion request, and the delivery date of the second resource conversion request is later than the delivery date of the first resource conversion request.
Referring to fig. 6, fig. 6 is a schematic flow chart of processing a first resource conversion request through a second resource conversion channel according to an embodiment of the present application. As shown in fig. 6, the following description will take the first resource conversion request as an example of buying 100USD, and the specific procedure is as follows:
Step 1, the user sends a first resource conversion request, which may be a request to buy a 100USD, after 18:00 on 2020.5.11 days and before 9:00 on 5.12 days (e.g., 23:00 on 5.11 days).
Wherein the expected delivery date of the first resource conversion request (request to buy 100 USD) is 5.12 days. The first resource conversion request is 5.11 days T0, 5.12 days T1 and 5.13 days T2.
Step 2, determining a request time of the first resource conversion request, where the request time is 2020.5.11 days after 18:00 and before 9:00 of 5.12 days (e.g. 23:00 at night of 5.11 days).
Step 3, since the request time of the first resource conversion request does not belong to the operation time of the current date (5.11 days) of the first resource conversion channel, at this time, a second resource conversion request corresponding to the first resource conversion request (100 USD is requested to be purchased through the second resource conversion channel) may be generated, the second resource conversion channel may be borrowed, the second resource conversion request may be sent to the second resource conversion channel, the second resource conversion request may be processed by the second resource conversion channel, and 100USD may be purchased through the second resource conversion channel.
Wherein, the delivery date of the second resource conversion request (the request of buying 100 USDs through the second resource conversion channel) is 5.13 days. I.e. ensuring that the delivery date of the second resource conversion request is later than the delivery date of the first resource conversion request.
Step 4, normally processing the first resource conversion request at the operation time (e.g. 9:30 in the morning of 5.12 days) of the date next to the current date (5.11 days) of the first resource conversion channel, and buying 100USD in the first resource conversion channel.
Since the first resource conversion channel cannot process the first resource conversion request at the non-operation time (5.11 days 18:00-5.12 days 9:00), and normally processes the first resource conversion request at 5.12 days 9:30 of the first resource conversion channel, the actual delivery date of the first resource conversion request is 5.12 days.
And step 5, executing the reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel on the delivery date of the reverse resource conversion request.
Specifically, since the second resource conversion channel buys the 100USD, in order to be flat, a reverse resource conversion request (request to sell the 100USD through the second resource conversion channel) corresponding to the second resource conversion request (request to buy the 100USD through the second resource conversion channel) needs to be performed through the second resource conversion channel, and as shown in fig. 5, the 100USD may be reversely sold at 5.13.
The delivery days of the reverse resource conversion request and the second resource conversion request are the same, and are both 5.13 days.
In order to more clearly illustrate the beneficial effects of the embodiments of the present application compared to the prior art, the following description is made with reference to fig. 7.
Referring to fig. 7, fig. 7 is a schematic diagram corresponding to a resource conversion method according to an embodiment of the present application. The abscissa in fig. 7 represents time, the ordinate represents exchange rate, the broken line represents the change curve of the overseas exchange rate, and the solid line represents the change curve of the in exchange rate.
As shown in fig. 7, when the resource conversion platform receives the resource conversion request (the request for conversion of resources is received in CNY, and USD is purchased in CNY) at 11 pm on day 5.11 (i.e. day 5.11), since the next transaction day of day 5.11 is day 5.12, according to the normal processing manner, the resource conversion platform needs to afford the funds lost due to the change of the exchange rate of the resource conversion target currency (such as the resource conversion target currency corresponding to the first resource conversion request) from day 5.11 23:00pm to day 5.12:9:30 am. Where USD in fig. 7 represents dollars, CNY represents the landed rmb, and CNH represents the offshore rmb.
However, by adopting the off-road mode in the application, the resource conversion platform only needs to bear the damage risk caused by the difference between the overseas and overseas of 5.11 days and the difference between the overseas and overseas of 5.12 days.
Specifically, as shown in fig. 7, according to the general processing manner in the prior art, a request is made to buy 100USD at 23:00 on day 5.11, at this time, the first resource conversion platform obtains 680CNY, according to the general processing manner, 100USD can only be bought at 9:30 on day 5.12, at this time, the first resource conversion platform needs to consume 700CNY (i.e. corresponding to the purchase of 100USD consuming 700CNY in fig. 7), and then, according to the general processing manner, the exchange rate loss of the first resource conversion platform is 680-700= -20.
In the method of the present application, 100USD is requested to be purchased at 23:00 on day 5.11, at this time, the first resource conversion platform obtains 680CNY, at this time, by means of overseas, 100USD is purchased in forward direction, 680CNY is consumed by the first resource conversion platform (corresponding to 100USD being purchased in forward direction in fig. 7), 100USD is purchased at 9:30 on day 5.12, 700CNY is required to be consumed by the first resource conversion platform (corresponding to 100USD being purchased at 700CNY in fig. 7), 100USD is sold in reverse direction on day 5.12, 699CNY is obtained by the first resource conversion platform (corresponding to 100USD being sold in reverse direction in overseas 699 CNY) on day 7), and in the method of the present application, the rate loss of the first resource conversion platform is 680680-700+699= -1 by means of overseas resource conversion.
Specifically, since the day 5.11 is late, the user initiates a transaction to the first resource conversion platform, and the account balance of the first resource conversion platform is (token 680, USD: -100). The first resource conversion platform is assumed to be the RMB, and the RMB is held without the risk of stock keeping. However, the concept of this case is equivalent to that the first resource conversion platform holds $ 100 with the rmb, and therefore, the first resource conversion platform may be subject to fluctuation of the dollar exchange rate, and the value of the 680 RMB of the first resource conversion platform may fluctuate, so that there is a risk.
By way of ex-road, the $ balance of-100 can be smoothed by an off-road forward and reverse resource conversion. It is possible that the overseas resource conversion exchange rate is (RMB: -699, USD: +100) and the account balance of the resource conversion platform is (RMB: -1, USD: 0) after the transaction is completed, and the damage of the resource conversion platform is 1 RMB which is lost, but the risk is controllable and is far less than devaluation of holding for several hours such as $100.
As in the schemes of fig. 6 and 7, the first resource conversion platform immediately issues an overseas forward resource conversion transaction (second resource conversion request) after the user completes the transaction, and initiates an intra-home forward resource conversion transaction (first resource conversion request) and an overseas reverse resource conversion transaction (reverse resource conversion request corresponding to the second resource conversion request) at the same time on day 5.12. Thus, the time interval between the first transaction (transaction between the first resource conversion platform and the user) and the second transaction (overseas forward resource conversion transaction) is short, and the time interval between the third transaction (in-house forward resource conversion transaction) and the fourth transaction (overseas reverse resource conversion transaction) is also short.
The exchange rate difference introduced thereby is merely the exchange rate difference of the overseas resource transfer transaction within the time period. The exchange rate difference of resource conversion transaction of the foreign RMB is very small at the same time, so the application has more controllable risk and smaller risk when the resource conversion is carried out compared with the scheme in the prior art.
That is, the resource conversion platform need only assume the internal-external sink difference on the day that the first resource conversion request was submitted, and the internal-external sink difference on the day that the transaction of the reverse resource conversion request and the second resource conversion request was initiated. And the exchange rates of the transactions between the outside and the inside are similar at the same time, so that the method can greatly reduce the risk of holding the warehouse of the resource conversion platform by means of the overseas mode in the embodiment of the application.
In a possible embodiment, as long as it is guaranteed that the delivery date of the second resource conversion request and the reverse resource conversion request is the same, and the delivery date of the second resource conversion request is later than the delivery date of the first resource conversion request, in the example shown in fig. 6 and 7, the delivery date of the reverse resource conversion request and the second resource conversion request may also be any date after 5.12, such as 5.13, 5.14, 5.15, etc.
It should be noted that the overseas forward resource conversion and the overseas reverse resource conversion do not cause any fund change for the first resource conversion platform. For example, for an overseas forward resource conversion, only the first resource conversion platform would promise that the first resource conversion platform would give the bank 700 RMB after 2 days, and the time-to-day bank would give the first resource conversion platform $100. The same is true of the overseas reverse resource conversion, say that the first resource conversion platform gives the bank $ 100 when the bank is going to give the first resource conversion platform 700 the rmb (not necessarily 700, there is a slight exchange rate difference), as long as the two forward and reverse resource conversions are guaranteed to fall on the same day, 2 transactions of the overseas forward resource conversion and the overseas reverse resource conversion can be completed, otherwise the first resource conversion platform will owe the bank money, the owed pay interest is calculated in the unit of the day, so the delivery day of the second resource conversion request and the reverse resource conversion request falls on the same day. Here, 700 is only used for illustration, and the present embodiment is not limited herein.
It will be appreciated that the above is only an example, and the present embodiment is not limited in any way herein.
According to the embodiment, when the first resource conversion request is received at the non-operation time of the first resource conversion channel, the second resource conversion channel can be used for processing the second resource conversion request corresponding to the first resource conversion request, so that in order to meet the market rule, the second resource conversion channel is required to be used for leveling, the reverse resource conversion request corresponding to the second resource conversion request is required to be executed through the second resource conversion channel, and the first resource conversion request is required to be processed normally at the normal operation time of the first resource conversion channel.
S204, if the request time corresponding to the first resource conversion request belongs to the operation time of the current date of the first resource conversion channel, processing the first resource conversion request through the first resource conversion channel.
In some possible embodiments, if the request time of the first resource conversion request belongs to the operation time of the current date of the first resource conversion channel, at this time, the first resource conversion request may be directly processed by the first resource conversion channel according to a normal flow.
The following description will take the first resource conversion request as a purchase 100USD as an example, and the specific procedure is as follows:
step 1, a first resource conversion request is sent at 10:00 of 2020.5.12 days, and the first resource conversion request can be a request to buy 100 USDs.
And 2, determining the request time of the first resource conversion request, wherein the request time is 2020.5.12 days 10:00.
Step 3, since the request time of the first resource conversion request belongs to the operation time of the current date (5.12 days) of the first resource conversion channel, at this time, the first resource conversion request can be normally processed at the operation time of the current date (5.12 days) of the first resource conversion channel, and 100USD is purchased in the first resource conversion channel.
According to the embodiment, a first resource conversion request corresponding to a first resource conversion channel is acquired through a first resource conversion platform, then, the request time of the first resource conversion request is determined, if the request time corresponding to the first resource conversion request does not belong to the operation time of the current date of the first resource conversion channel, the first resource conversion request can be processed through a second resource conversion channel, and if the request time of the first resource conversion request belongs to the operation time of the current date of the first resource conversion channel, the first resource conversion request can be processed normally through the first resource conversion channel directly. In the prior art, if the first resource conversion request is received in the non-operation time, the first resource conversion platform is required to hold funds corresponding to the first resource conversion request in the period from the moment the first resource conversion request is received to the next trade day, and in such a long time, the first resource conversion platform may have great exchange rate fluctuation, and needs to bear great funds risk.
The object of the resource conversion method of the present application is to reduce the time to hold funds of a resource conversion platform (such as an in-house resource conversion platform) and to process a resource conversion request (such as the first resource conversion request described above) by means of an off-road resource conversion channel. In particular, in the above-described resource conversion method, it is necessary to ensure that the delivery date of the overseas forward resource conversion and the overseas reverse resource conversion transactions for risk hedging are consistent.
In an alternative embodiment, the step S203 may be further implemented in a manner that the processing the first resource conversion request through the second resource conversion channel includes generating a second resource conversion request, and sending the second resource conversion request to a resource conversion front-end device corresponding to the second resource conversion channel, so that the second resource conversion request is sent to the second resource conversion platform corresponding to the second resource conversion channel through the resource conversion front-end device.
Referring to fig. 8, fig. 8 is a schematic flow chart of another method for processing a first resource conversion request through a second resource conversion channel according to an embodiment of the present application. In an alternative example, the request for the first resource transformation may be processed as follows:
s701, a first resource conversion request corresponding to a first resource conversion channel is acquired through a first resource conversion platform.
For the above step S701, see step S201, which is not described in detail herein.
S702, determining a request time corresponding to the first resource conversion request.
For the above step S702, see step S202, which is not described in detail herein.
S703, if the request time corresponding to the first resource conversion request does not belong to the operation time of the current date of the first resource conversion channel, generating a second resource conversion request.
Wherein the second resource conversion request is a request corresponding to the second resource conversion channel, and the second resource conversion request corresponds to the first resource conversion request.
S704, the second resource conversion request is sent to the resource conversion preposition device corresponding to the second resource conversion channel, so that the second resource conversion request is sent to the second resource conversion platform corresponding to the second resource conversion channel through the resource conversion preposition device, and the second resource conversion request is executed through the second resource conversion platform.
The resource conversion front-end equipment can be understood as a front-end processor which is mainly used as equipment for data transfer between a resource conversion platform and a bank. In step S704, an off-shore resource conversion front-end device is mainly referred to for connecting an off-shore resource conversion platform and an off-shore bank.
The above-described second resource conversion platform may be understood as an overseas resource conversion platform, and the weekday is an 24-hour weekday of the whole day.
S704, executing the first resource conversion request at an operation time of a date next to the current date of the first resource conversion channel.
Then, the first resource conversion request is normally executed at the operation time of the date next to the current date of the first resource conversion channel.
S705, executing the reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel.
It should be noted that, the resource conversion method in the embodiment of the present application needs to avoid a special scenario in which the delivery date of the overseas resource conversion is earlier than or equal to the delivery date of the intra-resource conversion.
Referring to fig. 9, fig. 9 is a schematic diagram of resource conversion by an off-road resource conversion channel according to an embodiment of the present application. As shown in fig. 9, the following description will take the first resource conversion request as an example of buying 100USD, and the specific procedure is as follows:
step1, a first resource conversion request is sent at 23:00 of 2020.9.30 days, and the first resource conversion request can be a request to buy 100 USDs.
The expected delivery date of this first resource conversion request (request to buy 100 USD) is 10.9 days, taking into account holiday factors. The first resource conversion request is on day T0 of 2020.9.30, day T1 in the first resource conversion request is on day 2020.10.9, and day T2 in the first resource conversion request is on day 10.13.
Step 2, determining the request time of the first resource conversion request, wherein the request time is 23:00 of 2020.9.30 days.
Step 3, since the request time of the first resource conversion request does not belong to the operation time of the current date (9.30 days) of the first resource conversion channel, at this time, the second resource conversion request corresponding to the first resource conversion request can be executed by the second resource conversion channel by borrowing the second resource conversion channel.
In the example shown in fig. 9, the second resource conversion request (100 USD is being purchased overseas) is 10.5 days outside the country T1 day and 2020.10.9 days inside the country T1 day. In this case, since the first resource conversion request has not been completed within the environment, if the delivery date of the second resource conversion request is earlier than that of the first resource conversion request, it is not in line with the actual application scenario.
Step 4, normally processing the first resource conversion request at the operation time (e.g. 9:30 in the morning of 10.9) of the date next to the current date (9.30) of the first resource conversion channel, and buying 100USD in the first resource conversion channel.
Since the first resource conversion channel cannot process the first resource conversion request in the non-operation time (23:00 in 9.30 am), the first resource conversion request can be normally processed in 9:30 in 10.9 am of the first resource conversion channel, and the actual delivery date of the first resource conversion request is 10.9 days.
And step 5, executing the reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel on the delivery date of the reverse resource conversion request.
In the example shown in fig. 9, the delivery date of the reverse resource conversion request corresponding to the second resource conversion request is 10.13. At this time, the delivery date of 100USD (second resource conversion request) purchased in the overseas forward direction and the delivery date of 100USD (reverse resource conversion request) sold in the overseas reverse direction are different, which may cause the resource conversion platform to hold funds for a period of time of 10.5 days to 10.13 days, which may greatly increase the risk of the resource conversion platform, and thus, the use of the resource conversion method in the present application in the scenario shown in fig. 9 is avoided.
In a possible embodiment, the present application further provides a resource conversion system, where the system includes a first resource conversion channel, a first resource conversion platform, a first resource conversion front-end device, and a second resource conversion front-end device, where the first resource conversion channel is communicatively connected to the first resource conversion platform through the first resource conversion front-end device, and the first resource conversion platform is communicatively connected to the first resource conversion front-end device and the second resource conversion front-end device respectively;
The first resource conversion platform is configured to obtain a first resource conversion request corresponding to a first resource conversion channel, determine a request time corresponding to the first resource conversion request, generate a second resource conversion request at an operation time not belonging to a current date of the first resource conversion channel, and send the second resource conversion request to the second resource conversion front-end device, where the resource conversion request is a request corresponding to the second resource conversion channel, and the second resource conversion request corresponds to the first resource conversion request;
The second resource conversion front-end equipment is used for receiving and processing a second resource conversion request;
the first resource conversion front-end device is configured to send the first resource conversion request to the first resource conversion channel if a request time corresponding to the first resource conversion request belongs to an operation time of a current date of the first resource conversion channel;
The first resource conversion channel is configured to process the received first resource conversion request.
In a possible embodiment, the system further includes a second resource conversion platform, and the first resource conversion platform is communicatively connected to the second resource conversion platform through the second resource conversion front-end device;
the second resource conversion front-end equipment is used for sending the second resource conversion request to the second resource conversion platform when receiving the second resource conversion request;
and the second resource conversion platform is used for processing the received second resource conversion request.
In a possible embodiment, the system further comprises a second resource conversion channel, the second resource conversion channel being communicatively connected to the second resource conversion platform;
The second resource conversion platform is configured to send the second resource conversion request to the second resource conversion channel when receiving the second resource conversion request;
The second resource conversion channel is configured to execute the received second resource conversion request;
the first resource conversion channel is configured to execute the first resource conversion request at an operation time on a date next to a current date of the first resource conversion channel;
the second resource conversion channel is further configured to execute a reverse resource conversion request corresponding to the second resource conversion request.
The above-described resource conversion system is described in detail below with reference to fig. 10. Referring to fig. 10, fig. 10 is a schematic structural diagram of a resource conversion system according to the present application. As shown in fig. 10, the following description will take the first resource conversion request as an example of buying 100USD, and the specific procedure is as follows:
step 1, a user initiates a first resource conversion request at 21:00 of 2020.5.11 days through a service system, and sends the first resource conversion request to a first resource conversion platform, wherein the first resource conversion request can be a request for buying 100USD.
Step 2, the first resource conversion platform determines the request time of the first resource conversion request, and at this time, the request time is 21:00 of 2020.5.11 days.
Step 3, since the request time of the first resource conversion request does not belong to the operation time of the current date (5.11 days) of the first resource conversion channel, at this time, a second resource conversion request corresponding to the first resource conversion request (100 USD is purchased through the second resource conversion channel request) may be generated, the first resource conversion platform sends the second resource conversion request to the second resource conversion front-end device, and then the second resource conversion front-end device sends the second resource conversion request to the second resource conversion platform, and then sends the second resource conversion request to the second resource conversion channel through the second resource conversion platform, the second resource conversion channel processes the second resource conversion request, and 100USD is purchased through the second resource conversion channel.
And 4, at the operation time (such as 9:30 in the morning of 5.12 days) of the date (5.11 days) next to the current date of the first resource conversion channel, the first resource conversion platform sends the first resource conversion request to the first resource conversion front-end equipment, and then the first resource conversion front-end equipment sends the first resource conversion request to the first resource conversion channel, the first resource conversion channel normally processes the first resource conversion request, and the first resource conversion channel buys 100 USDs.
And 5, transmitting a reverse resource conversion request corresponding to the second resource conversion request to the second resource conversion front-end equipment by the first resource conversion platform, transmitting the reverse resource conversion request to the second resource conversion platform by the second resource conversion front-end equipment, transmitting the reverse resource conversion request to the second resource conversion channel by the second resource conversion platform, processing the reverse resource conversion request by the second resource conversion channel, and reversely selling 100USD in the second resource conversion channel.
The first resource conversion front-end equipment and the second resource conversion front-end equipment can be understood as a front-end processor which is mainly used as equipment for data transfer between a resource conversion platform and a bank. The first resource conversion front-end equipment mainly refers to an internal resource conversion front-end equipment and is used for connecting a first resource conversion platform (an internal resource conversion platform) and a first resource conversion channel (an internal bank). The second resource conversion front-end equipment mainly refers to off-site resource conversion front-end equipment and is used for connecting a second resource conversion platform (off-site resource conversion platform) and a second resource conversion channel (off-site bank).
The electronic devices (including but not limited to the electronic devices of the resource conversion platforms, the resource conversion front-end devices, the electronic devices corresponding to the resource conversion channels, and the clients used by the users to connect the resource conversion platforms) related in the embodiments of the present application may be nodes of a blockchain system, and the servers related (including but not limited to the servers of the banks that provide the resource conversion service, the servers of the resource conversion platforms, the servers of the resource conversion front-end devices, and the servers corresponding to the resource conversion channels) may be blockchain servers, and the data required to be stored in the embodiments of the present application may also be stored in the blockchain nodes. The resource conversion system according to the embodiment of the present application may be a distributed system formed by connecting a client and a plurality of blockchain nodes (any form of computing device in an access network, such as a server and a user terminal) through a network communication.
Taking the distributed system as an example of a blockchain system, referring To fig. 11, fig. 11 is a schematic structural diagram of an alternative application of the distributed system 100 provided in the embodiment of the present invention To the blockchain system, where the structure is formed by a plurality of nodes 200 (any type of computing devices in an access network, such as servers and user terminals) and clients 300, and a Peer-To-Peer (P2P, peer To Peer) network is formed between the nodes, where the P2P protocol is an application layer protocol running on top of a transmission control protocol (TCP, transmission Control Protocol) protocol. In a distributed system, any machine, such as a server, a terminal, may join to become a node, including a hardware layer, an intermediate layer, an operating system layer, and an application layer.
Referring to the functionality of each node in the blockchain system shown in fig. 11, the functions involved include:
1) The routing, the node has basic functions for supporting communication between nodes.
Besides the routing function, the node can also have the following functions:
2) The application is used for being deployed in a block chain to realize specific service according to actual service requirements, recording data related to the realization function to form recorded data, carrying a digital signature in the recorded data to represent the source of task data, sending the recorded data to other nodes in the block chain system, and adding the recorded data into a temporary block when the source and the integrity of the recorded data are verified by the other nodes.
For example, the services implemented by the application include:
2.1 A wallet for providing electronic money transactions including initiating transactions (i.e., sending a transaction record of the current transaction to other nodes in the blockchain system, after the other nodes verify success, as a response acknowledging that the transaction is valid, storing record data of the transaction in a temporary block of the blockchain;
2.2 The shared account book is used for providing the functions of storing, inquiring, modifying and the like of account data, sending record data of the operation on the account data to other nodes in the blockchain system, and after the other nodes verify to be effective, storing the record data into a temporary block as a response for acknowledging that the account data is effective, and also sending confirmation to the node initiating the operation.
2.3 A computerized agreement, which can execute the terms of a certain contract, by means of codes deployed on a shared ledger for execution when certain conditions are met, for completing automated transactions, such as querying the physical distribution status of the goods purchased by the buyer, transferring the electronic money of the buyer to the merchant's address after the buyer has signed up for the goods, and of course, intelligent contracts are not limited to executing contracts for transactions, but also executing contracts for processing the received information.
3) The blockchain comprises a series of blocks (blocks) which are connected with each other according to the generated sequence time, the new blocks are not removed once being added into the blockchain, and record data submitted by nodes in the blockchain system are recorded in the blocks.
Referring to fig. 12, fig. 12 is an optional Block Structure (Block Structure) provided in an embodiment of the present invention, where each Block includes a hash value of a transaction record stored in the Block (hash value of the Block) and a hash value of a previous Block, and each Block is connected by the hash value to form a Block chain. In addition, the block may include information such as a time stamp at the time of block generation. The blockchain (Blockchain), essentially a de-centralized database, is a string of data blocks that are generated in association using cryptographic methods, each of which contains associated information for verifying the validity of its information (anti-counterfeiting) and generating the next block.
Referring to fig. 13, fig. 13 is a schematic structural diagram of a resource conversion device according to an embodiment of the present application. The resource conversion device 1 provided by the embodiment of the application comprises:
A resource conversion request acquisition module 11 for acquiring a first resource conversion request corresponding to a first resource conversion channel through a first resource conversion platform;
a time determining module 12, configured to determine a request time corresponding to the first resource conversion request;
A first processing module 13, configured to generate, based on the first resource conversion request, a second resource conversion request corresponding to a second resource conversion channel, where a request time of the second resource conversion request belongs to an operation time of the second resource conversion channel, and execute the second resource conversion request through the second resource conversion channel, if the request time corresponding to the first resource conversion request does not belong to the operation time of the current date of the first resource conversion channel;
The first processing module includes:
A first processing unit configured to execute the first resource conversion request at an operation time on a date next to a current date of the first resource conversion channel;
a second processing unit, configured to execute, through the second resource conversion channel, a reverse resource conversion request corresponding to the second resource conversion request;
And a second processing module 14, configured to process the first resource conversion request through the first resource conversion channel if the request time corresponding to the first resource conversion request belongs to the operation time of the current date of the first resource conversion channel.
In some possible embodiments, the second processing unit is configured to:
and executing the reverse resource conversion request through the second resource conversion channel on the delivery date of the reverse resource conversion request, wherein the delivery date of the second resource conversion request is the same as the delivery date of the reverse resource conversion request, and the delivery date of the second resource conversion request is later than the delivery date of the first resource conversion request.
In some possible embodiments, the first processing module is configured to:
And sending the second resource conversion request to a resource conversion front-end equipment corresponding to the second resource conversion channel, so that the second resource conversion request is sent to a second resource conversion platform corresponding to the second resource conversion channel through the resource conversion front-end equipment.
In some possible embodiments, the legal currency corresponding to the first resource conversion channel and the second resource conversion channel are different.
In a specific implementation, the resource conversion device 1 may execute the implementation provided by each step in fig. 4, fig. 5, and fig. 8 through each built-in functional module, and the specific implementation provided by each step may be referred to, which is not described herein again.
In the embodiment of the application, a first resource conversion request corresponding to a first resource conversion channel is acquired through a first resource conversion platform, then, the request time of the first resource conversion request is determined, if the request time corresponding to the first resource conversion request does not belong to the operation time of the current date of the first resource conversion channel, a second resource conversion request corresponding to the first resource conversion request can be executed through a second resource conversion channel, and if the request time of the first resource conversion request belongs to the operation time of the current date of the first resource conversion channel, the first resource conversion request can be processed normally through the first resource conversion channel directly. In the prior art, if the first resource conversion request is received in the non-operation time, the first resource conversion platform is required to hold funds corresponding to the first resource conversion request in the period from the moment the first resource conversion request is received to the next trade day, and in such a long time, the first resource conversion platform may have great exchange rate fluctuation, and needs to bear great funds risk.
The above description mainly describes that the execution body is hardware to implement the resource conversion method of the present application, but the execution body of the resource conversion method of the present application is not limited to hardware, and the execution body of the resource conversion method of the present application may also be software, where the resource conversion device may be a computer program (including program code) running in a computer device, for example, the resource conversion device is an application software, and the device may be used to execute the corresponding steps in the method provided by the embodiment of the present application.
In some embodiments, the resource conversion device provided by the embodiments of the present invention may be implemented by combining software and hardware, and by way of example, the resource conversion device provided by the embodiments of the present invention may be a processor in the form of a hardware decoding processor that is programmed to perform the resource conversion method provided by the embodiments of the present invention, for example, the processor in the form of a hardware decoding processor may employ one or more Application specific integrated circuits (ASICs, applications SPECIFIC INTEGRATED circuits), DSPs, programmable logic devices (PLDs, programmable Logic Device), complex Programmable logic devices (CPLDs, complex Programmable Logic Device), field-Programmable gate arrays (FPGAs), field-Programmable GATE ARRAY), or other electronic components.
In other embodiments, the resource conversion device provided in the embodiments of the present invention may be implemented in a software manner, and the resource conversion device 1 shown in fig. 13 may be software in the form of a program, a plug-in, or the like, and includes a series of modules including a resource conversion request obtaining module 11, a time determining module 12, a first processing module 13, and a second processing module 14, where the resource conversion request obtaining module 11, the time determining module 12, the first processing module 13, and the second processing module 14 are configured to implement the resource conversion method provided in the embodiments of the present invention.
Referring to fig. 14, fig. 14 is a schematic structural diagram of an electronic device according to an embodiment of the present application. As shown in fig. 14, the electronic device 1000 in this embodiment may include a processor 1001, a network interface 1004, and a memory 1005, and further, the electronic device 1000 may include a user interface 1003, and at least one communication bus 1002. Wherein the communication bus 1002 is used to enable connected communication between these components. The user interface 1003 may include a Display (Display), a Keyboard (Keyboard), and the optional user interface 1003 may further include a standard wired interface, a wireless interface, among others. The network interface 1004 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface). The memory 1004 may be a high-speed RAM memory or a non-volatile memory (non-volatile memory), such as at least one disk memory. The memory 1005 may also optionally be at least one storage device located remotely from the processor 1001. As shown in fig. 14, an operating system, a network communication module, a user interface module, and a device control application program may be included in the memory 1005, which is one type of computer-readable storage medium.
In the electronic device 1000 shown in fig. 14, the network interface 1004 may provide a network communication function, while the user interface 1003 is mainly used for providing an input interface for a user, and the processor 1001 may be used for calling a computer program stored in the memory 1005 to obtain a first resource conversion request corresponding to a first resource conversion channel through a first resource conversion platform, determining a request time corresponding to the first resource conversion request, if the request time corresponding to the first resource conversion request does not belong to an operation time of a current date of the first resource conversion channel, generating a second resource conversion request corresponding to a second resource conversion request based on the first resource conversion request, the request time of the second resource conversion request belongs to an operation time of the second resource conversion channel, executing the second resource conversion request through the second resource conversion channel, executing a reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel, and if the request time corresponding to the first resource conversion request belongs to the current operation time of the first resource conversion channel, executing the second resource conversion request through the first resource conversion channel.
It should be appreciated that in some possible embodiments, the processor 1001 may be a central processing unit (central processing unit, CPU), which may also be other general purpose processors, digital signal processors (DIGITAL SIGNAL processors, DSPs), application Specific Integrated Circuits (ASICs), off-the-shelf programmable gate arrays (FPGAs) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The memory may include read only memory and random access memory and provide instructions and data to the processor. A portion of the memory may also include non-volatile random access memory. For example, the memory may also store information of the device type.
In a specific implementation, the electronic device 1000 may execute the implementation provided by each step in fig. 4, fig. 5, and fig. 8 through each built-in functional module, and the implementation provided by each step may be specifically referred to, which is not described herein again.
The embodiment of the present application further provides a computer readable storage medium, where a computer program is stored and executed by a processor to implement the methods provided by the steps in fig. 4, 5 and 8, and specifically, the implementation manner provided by the steps may be referred to, which is not described herein.
The computer readable storage medium may be an internal storage unit of the task processing device provided in any one of the foregoing embodiments, for example, a hard disk or a memory of an electronic device. The computer readable storage medium may also be an external storage device of the electronic device, such as a plug-in hard disk, a smart memory card (SMART MEDIA CARD, SMC), a Secure Digital (SD) card, a flash memory card (FLASH CARD), or the like, which are provided on the electronic device. The computer readable storage medium may also include a magnetic disk, an optical disk, a read-only memory (ROM), a random access memory (random access memory, RAM), or the like. Further, the computer-readable storage medium may also include both an internal storage unit and an external storage device of the electronic device. The computer-readable storage medium is used to store the computer program and other programs and data required by the electronic device. The computer-readable storage medium may also be used to temporarily store data that has been output or is to be output.
Embodiments of the present application provide a computer program product or computer program comprising computer instructions stored in a computer readable storage medium. The processor of the electronic device reads the computer instructions from the computer readable storage medium and executes the computer instructions to cause the computer device to perform the method provided by any of the possible embodiments of fig. 4, 5 and 8 described above.
The terms first, second and the like in the claims and in the description and drawings are used for distinguishing between different objects and not for describing a particular sequential order. Furthermore, the terms "comprise" and "have," as well as any variations thereof, are intended to cover a non-exclusive inclusion. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those listed steps or elements but may include other steps or elements not listed or inherent to such process, method, article, or apparatus. Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment may be included in at least one embodiment of the application. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. Those of skill in the art will explicitly and implicitly appreciate that the embodiments described herein may be combined with other embodiments. The term "and/or" as used in the present specification and the appended claims refers to any and all possible combinations of one or more of the associated listed items, and includes such combinations.
Those of ordinary skill in the art will appreciate that the elements and algorithm steps described in connection with the embodiments disclosed herein may be embodied in electronic hardware, in computer software, or in a combination of the two, and that the elements and steps of the examples have been generally described in terms of function in the foregoing description to clearly illustrate the interchangeability of hardware and software. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.
The foregoing disclosure is illustrative of the present application and is not to be construed as limiting the scope of the application, which is defined by the appended claims.