Method and device for exchanging currency

A technology of currency and exchange times, applied in the field of currency exchange, which can solve problems such as inconsistency, transaction failure, and account balance changes.

Inactive Publication Date: 2018-11-27
QILIN HESHENG NETWORK TECH INC
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] When the user performs forward and reverse exchange rate conversion in a short period of time, the account balance may change due to the change of the exchange rate. For example, if the user has 100 US dollars in the account and applies for withdrawing RMB 100 from the account, when applying The exchange rate is USD 1 = RMB 6.52. This exchange rate can also be expressed as RMB 1 = USD 0.15 (the exchange rate retains two decimal places). After the withdrawal is completed, there is still USD 85 in the user's account, but after a few minutes, the user needs to use the account balance to purchase 100 dollars worth of goods, at this time, 100 yuan cash is recharged back to the account, but because the exchange rate when recharging the account is often inconsistent with the exchange rate when withdrawing cash, the amount in the user's account after conversion is not equal to 100 dollars, and the user may not be able to purchase The problem with the $100 item caused the transaction to fail

Method used

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  • Method and device for exchanging currency

Examples

Experimental program
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Effect test

Embodiment 1

[0030] The present application provides a method for exchanging currencies, which can be applied in the currency exchange of two different countries, for example: exchanging currency A for currency B, or exchanging currency B for currency A. In addition, the method provided by this application can also be applied to the currency exchange of multiple countries, for example, the currency exchange of three different countries: exchange A currency into B currency, and then convert B currency into C currency When the conversion is performed at the same time, it is equivalent to converting currency A to currency C at that moment, and the reverse conversion is the same. The method provided by the embodiment of this application is as figure 1 shown, including the following steps:

[0031] Step 101: Convert the first currency to the second currency according to the first exchange rate at the first moment.

[0032] In the above step 101, the first exchange rate is the amount at which ...

Embodiment 2

[0041] Based on the above-mentioned embodiment, in the above-mentioned step 104 of this method, according to the first exchange rate, the second exchange rate, the time length between the first moment and the second moment, and the round-trip exchange rate before the second moment The number of times determines the exchange amount after the second currency of the amount to be exchanged is converted to the first currency, such as figure 2 shown, including:

[0042] Step 105: Determine whether the difference between the first exchange rate and the second exchange rate exceeds the preset exchange rate value, and if so, determine the amount to be converted from the second currency to the first currency according to the second exchange rate If not, determine the conversion amount after the second currency of the amount to be converted is converted to the first currency according to the first exchange rate.

[0043] Specifically, the preset exchange rate value may be a preset exch...

Embodiment 3

[0068] The embodiment of the present application also provides a currency exchange device, such as Figure 5 shown, including:

[0069] The conversion module 51 converts the first currency into a second currency according to the first exchange rate at the first moment;

[0070] An acquisition module 52, which acquires the second currency of the amount to be converted at the second moment, and the second currency of the amount to be converted is used for converting into the first currency;

[0071] The first determination module 53 determines a second exchange rate according to the exchange rate between the first moment and the second moment;

[0072] The second determining module 54 determines the amount to be exchanged according to the first exchange rate, the second exchange rate, the time length between the first moment and the second moment, and the number of round-trip exchanges before the second moment The exchange amount after the second currency of is converted to th...

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PUM

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Abstract

The invention discloses a method and a device for exchanging currency, to alleviate a problem in the prior art of poor user experience caused by a change of balance when a user performs forward and backward conversion. The method includes: exchanging a first currency to a second currency at a first time according to a first exchange rate; acquiring a second currency in amount to be exchanged at asecond time, and exchanging the second currency in the amount to be exchanged into the first currency; determining a second exchange rate according to the exchange rate between the first time and thesecond time; based on the first exchange rate, the second exchange rate, time duration between the first time and the second time, and the number of exchanging prior to the second time, determining the exchanged amount of the second currency in the amount to be exchanged to the first currency. The scheme can make the account balance consistent with that before exchanging in a short period of time,ensure the exchange rate to be stable in a period of time, and prevent a problem of poor user experience caused by the changes of account balance after exchanging due to changes of the exchange rate.

Description

technical field [0001] The present application relates to the field of currency transactions, in particular to a currency exchange method and device. Background technique [0002] In the prior art, users often need to perform forward and reverse exchange rate conversion, for example, first convert a certain amount of RMB into US dollars, and then convert the obtained US dollars back into RMB. Among them, the conversion of RMB into USD can be regarded as a forward conversion, and the conversion of USD back into RMB can be regarded as a reverse conversion. [0003] When the user performs forward and reverse exchange rate conversion in a short period of time, the account balance may change due to the change of the exchange rate. For example, if the user has 100 US dollars in the account and applies for withdrawing RMB 100 from the account, when applying The exchange rate is USD 1 = RMB 6.52. This exchange rate can also be expressed as RMB 1 = USD 0.15 (the exchange rate retain...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/04
CPCG06Q40/04
Inventor 梅启渊李涛
Owner QILIN HESHENG NETWORK TECH INC
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