Resource Conversion Method, Device, Electronic Device, and Storage Medium

Abstract

Embodiments of the present application disclose a resource conversion method, apparatus, electronic device, and storage medium, which can be applied to fields such as cloud technology and big data. The method includes: obtaining 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 the operating time of the first resource conversion channel on the current date, generating a second resource conversion request corresponding to a second resource conversion channel based on the first resource conversion request, where the request time of the second resource conversion request belongs to the operating time of the second resource conversion channel, and executing the second resource conversion request through the second resource conversion channel; executing the first resource conversion request during the operating time of the next date of 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.

Description

Technical Field

[0001] The present application relates to the field of computers, and in particular, to a resource conversion method, apparatus, storage medium, and electronic device. Background Art

[0002] Currently, more and more people will perform resource conversion through domestic banks to achieve currency conversion.

[0003] When a resource conversion transaction request is received during the non-trading hours of a domestic bank, it will be postponed to the next trading time for resource conversion transactions. For a resource conversion platform, during the period from the resource conversion transaction request received during the non-trading hours of a domestic bank to the next tradable time, generally, this part of the funds needs to be held by the resource conversion platform. However, there may be significant exchange rate fluctuations during such a long period, which poses a great risk of funds to the resource conversion platform. However, there is no effective solution to this problem in the prior art. Summary of the Invention

[0004] Embodiments of the present application provide a resource conversion method, apparatus, electronic device, and storage medium, which can process a first resource conversion request corresponding to a first resource conversion channel through a second resource conversion channel, reducing the funds risk of the resource conversion platform and achieving the effect of improving the security of the resource conversion platform.

[0005] On the one hand, embodiments of the present application provide a resource conversion method, which includes:

[0006] Obtaining, through a first resource conversion platform, a first resource conversion request corresponding to a first resource conversion channel; determining a request time corresponding to the first resource conversion request;

[0007] If the request time corresponding to the first resource conversion request does not belong to the operating time of the first resource conversion channel on the current date, then generating, based on the first resource conversion request, a second resource conversion request corresponding to a second resource conversion channel, where the request time of the second resource conversion request belongs to the operating time of the second resource conversion channel, executing the second resource conversion request through the second resource conversion channel; executing the first resource conversion request during the operating time of the next date of the current date of the first resource conversion channel; executing a reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel;

[0008] If the request time corresponding to the first resource conversion request belongs to the operating time of the first resource conversion channel on the current date, then processing the first resource conversion request through the first resource conversion channel.

[0009] In an alternative embodiment, executing the reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel includes:

[0010] On the settlement date of the reverse resource conversion request, execute the reverse resource conversion request through the second resource conversion channel;

[0011] Wherein, the settlement dates of the second resource conversion request and the reverse resource conversion request are the same, and the settlement date of the second resource conversion request is later than the settlement date of the first resource conversion request.

[0012] In an alternative embodiment, executing the second resource conversion request through the second resource conversion channel includes:

[0013] Send the second resource conversion request to the resource conversion pre-device corresponding to the second resource conversion channel, so as to send the second resource conversion request to the second resource conversion platform corresponding to the second resource conversion channel through the resource conversion pre-device.

[0014] In an alternative embodiment, the legal tender currencies corresponding to the first resource conversion channel and the second resource conversion channel are different.

[0015] On the one hand, an embodiment of the present application provides a resource conversion device, and the device includes:

[0016] A resource conversion request acquisition module, configured to acquire a first resource conversion request corresponding to a first resource conversion channel through a first resource conversion platform;

[0017] A time determination module, configured to determine the request time corresponding to the first resource conversion request;

[0018] A first processing module, configured to, if the request time corresponding to the first resource conversion request does not belong to the operating time of the first resource conversion channel on the current date, generate a second resource conversion request corresponding to a second resource conversion channel based on the first resource conversion request, where the request time of the second resource conversion request belongs to the operating time of the second resource conversion channel, and execute the second resource conversion request through the second resource conversion channel;

[0019] The first processing module includes:

[0020] A first processing unit, configured to execute the first resource conversion request during the operating time of the next date of the current date of the first resource conversion channel;

[0021] A second processing unit, configured to execute the reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel;

[0022] A second processing module, 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 operating time of the first resource conversion channel on the current date.

[0023] In an optional embodiment, the second processing unit is configured to:

[0024] On the settlement date of the reverse resource conversion request, execute the reverse resource conversion request through the second resource conversion channel, where the settlement date of the second resource conversion request is the same as that of the reverse resource conversion request, and the settlement date of the second resource conversion request is later than the settlement date of the first resource conversion request.

[0025] In an optional embodiment, the first processing module is configured to:

[0026] Send the second resource conversion request to the resource conversion front-end device corresponding to the second resource conversion channel, so as to send the second resource conversion request to the second resource conversion platform corresponding to the second resource conversion channel through the resource conversion front-end device.

[0027] In an optional embodiment, the legal tender corresponding to the first resource conversion channel is different from that corresponding to the second resource conversion channel.

[0028] On the one hand, an embodiment of the present application provides a resource conversion system, which includes a first resource conversion channel, a first resource conversion platform, a first resource conversion front-end device, a second resource conversion front-end device, a second resource conversion platform, and a second resource conversion channel. Among them, the first resource conversion channel is communicatively connected to the first resource conversion platform through the first resource conversion front-end device, 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 communicatively connected to the second resource conversion platform through the second resource conversion front-end device, and the second resource conversion channel is communicatively connected to the second resource conversion platform;

[0029] The first resource conversion platform is configured to obtain a first resource conversion request corresponding to the first resource conversion channel, determine the request time corresponding to the first resource conversion request, and generate a second resource conversion request and send it to the second resource conversion front-end device when the request time corresponding to the first resource conversion request does not belong to the operating time of the first resource conversion channel on the current date, where 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;

[0030] The above-mentioned second resource conversion pre-device is used to send the above-mentioned second resource conversion request to the above-mentioned second resource conversion platform when receiving the above-mentioned second resource conversion request;

[0031] The above-mentioned second resource conversion platform is used to send the above-mentioned second resource conversion request to the above-mentioned second resource conversion channel when receiving the above-mentioned second resource conversion request;

[0032] The above-mentioned second resource conversion channel is used to execute the received above-mentioned second resource conversion request;

[0033] The above-mentioned first resource conversion channel is used to execute the above-mentioned first resource conversion request during the operating hours of the next date of the current date of the above-mentioned first resource conversion channel;

[0034] The above-mentioned second resource conversion channel is used to execute the reverse resource conversion request corresponding to the above-mentioned second resource conversion request;

[0035] The above-mentioned first resource conversion pre-device is used to send the above-mentioned first resource conversion request to the above-mentioned first resource conversion channel if the request time corresponding to the above-mentioned first resource conversion request belongs to the operating hours of the current date of the above-mentioned first resource conversion channel; the above-mentioned first resource conversion channel is used to process the received above-mentioned first resource conversion request.

[0036] In an alternative embodiment, the above-mentioned second resource conversion channel executes the reverse resource conversion request corresponding to the above-mentioned second resource conversion request, including:

[0037] Execute the above-mentioned reverse resource conversion request on the settlement date of the above-mentioned reverse resource conversion request;

[0038] Wherein, the settlement dates of the above-mentioned second resource conversion request and the above-mentioned reverse resource conversion request are the same, and the settlement date of the above-mentioned second resource conversion request is later than the settlement date of the above-mentioned first resource conversion request.

[0039] In an alternative embodiment, the legal tender corresponding to the above-mentioned first resource conversion channel and the above-mentioned second resource conversion channel is different.

[0040] On the one hand, an embodiment of the present application provides an electronic device, which includes a processor and a memory, and the processor and the memory are connected to each other; the memory is used to store a computer program; the processor is configured to execute the method provided by the above-mentioned first aspect and / or any possible implementation manner of the first aspect when calling the above-mentioned computer program.

[0041] On the one hand, an embodiment of the present application provides a computer-readable storage medium storing a computer program, which is executed by a processor to implement the method provided in the above first aspect and / or any possible implementation manner of the first aspect.

[0042] On the one hand, an embodiment of the present application provides a computer program product or a computer program. The computer program product or the computer program includes computer instructions stored in a computer-readable storage medium. A processor of an electronic device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device executes the method provided in any possible implementation manner of the above resource conversion method.

[0043] The beneficial effects of the embodiments of the present application are as follows:

[0044] In the embodiment of the present application, a first resource conversion request corresponding to a first resource conversion channel is obtained 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 operating time of the first resource conversion channel on the current date, a second resource conversion request corresponding to the first resource conversion request may be executed through a second resource conversion channel. If the request time of the first resource conversion request belongs to the operating time of the first resource conversion channel on the current date, then the first resource conversion request can be directly and normally processed through the first resource conversion channel. In the existing solution, if a first resource conversion request is received during non-operating hours, then during the period from the moment when the first resource conversion request is received to the next available trading day, the first resource conversion platform needs to hold the funds corresponding to the first resource conversion request. During such a long period, there may be significant exchange rate fluctuations, and the first resource conversion platform needs to bear a great deal of capital risk. However, by adopting the above method, when the current date of the first resource conversion channel is non-operating, a second resource conversion request corresponding to the first resource conversion request can be executed through a second resource conversion channel, and the first resource conversion platform does not need to hold the funds during this period, reducing the capital risk of the resource conversion platform and improving the security of the resource conversion platform. Description of the Drawings

[0045] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the following will briefly introduce the drawings required in the embodiments. Obviously, the drawings in the following description are only some embodiments of the present application. For those of ordinary skill in the art, without creative efforts, other drawings can be obtained based on these drawings.

[0046] Figure 1 It is a schematic diagram of the principle of the existing technology resource conversion solution;

[0047] Figure 2 Schematic diagram of the application environment of a resource conversion method provided by an embodiment of the present application;

[0048] Figure 3 Schematic flow chart of a resource conversion method provided by an embodiment of the present application;

[0049] Figure 4 It is a schematic flow chart of another resource conversion method provided by an embodiment of the present application;

[0050] Figure 5 It is a schematic flow chart of yet another resource conversion method provided by an embodiment of the present application;

[0051] Figure 6 It is a schematic flow chart of a method for processing a first resource conversion request through a second resource conversion channel provided by an embodiment of the present application;

[0052] Figure 7 It is a schematic diagram of the principle corresponding to the resource conversion method provided by an embodiment of the present application;

[0053] Figure 8 Another schematic flow chart of a method for processing a first resource conversion request through a second resource conversion channel provided by an embodiment of the present application;

[0054] Figure 9 It is a schematic diagram of the situation where resource conversion through a foreign resource conversion channel is not applicable in an embodiment of the present application;

[0055] Figure 10 It is a schematic diagram of the structure of a resource conversion system provided by the present application;

[0056] Figure 11 It is an optional schematic diagram of the application of the distributed system 100 in a blockchain system provided by an embodiment of the present invention;

[0057] Figure 12 It is an optional schematic diagram of the block structure provided by an embodiment of the present invention;

[0058] Figure 13 It is a schematic diagram of the structure of a resource conversion device provided by an embodiment of the present application;

[0059] Figure 14 It is a schematic diagram of the structure of an electronic device provided by an embodiment of the present application. Detailed implementation manners

[0060] Next, the technical solutions in the embodiments of the present application will be clearly and completely described in conjunction with the accompanying drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all the embodiments. All other embodiments obtained by those of ordinary skill in the art based on the embodiments in the present application without creative efforts shall fall within the protection scope of the present application.

[0061] The resource conversion method provided by the embodiments of the present application is applicable to various fields of cloud technology, such as relevant data computing and processing fields in cloud computing, cloud services, and big data in cloud technology (Cloud technology). The purpose is to obtain 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; if the request time corresponding to the first resource conversion request does not belong to the operating time of the first resource conversion channel on the current date, then process the first resource conversion request through a second resource conversion channel; if the request time corresponding to the first resource conversion request belongs to the operating time of the first resource conversion channel on the current date, then process the first resource conversion request through the first resource conversion channel.

[0062] Cloud technology refers to a hosting technology that unifies a series of resources such as hardware, software, and networks within a wide area network or a local area network to achieve data computing, storage, processing, and sharing. The resource conversion method provided by the embodiments of the present application can be implemented based on cloud computing in cloud technology.

[0063] Cloud computing refers to obtaining the required resources in a on-demand and easily expandable manner through a network, and it is the product of the development and integration of traditional computer and network technologies such as Grid Computing, Distributed Computing, Parallel Computing, Utility Computing, Network Storage Technologies, Virtualization, and Load Balance.

[0064] Artificial intelligence cloud service, generally also known as AIaaS (AI as a Service). This is currently the mainstream service method of an artificial intelligence platform. Specifically, the AIaaS platform will split several common artificial intelligence services and provide independent or packaged services in the cloud, such as processing resource conversion requests.

[0065] Big data refers to a collection of data that cannot be captured, managed, and processed by conventional software tools within a certain time range. It is a massive, high-growth-rate, and diverse information asset that requires new processing models to have stronger decision-making power, insight discovery ability, and process optimization ability. With the advent of the cloud era, big data has attracted more and more attention. Based on the need for special technologies for big data, to effectively implement the resource conversion method provided in this embodiment, the technologies applicable to big data include massively parallel processing databases, data mining, distributed file systems, distributed databases, and the above-mentioned cloud computing, etc.

[0066] In some feasible implementation manners, the first resource conversion request includes, but is not limited to, obtaining the first resource conversion request through an intelligent device. The manner of obtaining the first resource conversion request may be to obtain the 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. Among them, the to-be-processed instruction includes, but is not limited to, instruction information for querying, commanding, or communicating, etc. during processes such as intelligent question and answer, and can be specifically determined based on the actual application scenario requirements, and is not limited herein. For example, after the intelligent device receives the dialogue information such as voice and text input by the user during the human-machine dialogue process, it needs to determine the true meaning expressed by the to-be-processed instruction therein to understand the true intention of the user, so as to execute the first resource conversion request corresponding to the true intention of the user. Or, the first resource conversion request may also be the to-be-processed instruction related to 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 these to-be-processed instructions.

[0067] Among them, the above-mentioned intelligent devices include, but are not limited to, mobile terminals such as mobile phones, laptop computers, digital broadcast receivers, PDAs (Personal Digital Assistants), PADs (Tablet Computers), PMPs (Portable Multimedia Players), vehicle-mounted terminals (such as vehicle-mounted navigation terminals), etc., and fixed terminals such as digital TVs and desktop computers. It can also be specifically determined based on the actual application scenario requirements and is not limited herein.

[0068] The term explanations related to the present invention are as follows:

[0069] Foreign exchange purchase (resource conversion): Exchange the local currency (here referring to the RMB) for other currencies.

[0070] Reverse foreign exchange purchase (reverse resource conversion): Exchange other currencies for the local currency (here referring to the RMB).

[0071] Channel: Institutions or units mainly including banks that can provide resource conversion business support. In the embodiments of this application, the resource conversion channel actually refers to the electronic device of the institution or unit that provides resource conversion business support, such as the server of the bank that provides resource conversion business.

[0072] Domestic / Offshore Resource Conversion: The operation of the resource conversion request where the business-side customer designates the resource conversion channel as domestic or offshore.

[0073] Settlement Date: After the buyer of the option requests the seller of the option to perform the contract, the date when both the buyer and the seller pay each other the currency they purchased according to the agreement.

[0074] Settlement Tenor (Tenor, abbreviated as T), which can also be the settlement date. The number following T represents the number of trading days after the transaction to complete the settlement. For example, T0 represents settlement on the same day; T2 represents settlement on the second trading day after the resource conversion.

[0075] In the prior art, when the domestic resource conversion channel receives a resource conversion request during non-operating hours, from the moment the resource conversion request is received to the next trading day, the resource conversion platform will hold the funds corresponding to the resource conversion request during this period and bear the capital risk brought about by exchange rate fluctuations during this period.

[0076] See Figure 1 , Figure 1 for the principle of the prior art resource conversion solution. As Figure 1 shown, the resource conversion platform receives a resource conversion request (a domestic resource conversion request to buy USD (United States dollar) with CNY (China Yuan, Renminbi)) at 11:00 pm on day T. Since the next trading day after day T is day T+1, then the resource conversion platform needs to bear the capital loss brought about by exchange rate changes from 11:00 pm on day T to 9:30 am on day T+1. Among them, Figure 1 USD in

[0077] According to one aspect of the embodiments of the present invention, a resource conversion method is provided. Optionally, the resource conversion method can be but is not limited to being applied in an application environment such as Figure 2 shown. As Figure 2 shown, the resource conversion method can be but is not limited to being applied in an application environment such as Figure 2In the resource conversion system in the shown environment, the resource conversion system may include, but is not limited to, a user terminal 101, a network 102, a server 103 (the server corresponding to the first resource conversion platform), a server 104 (the server corresponding to the second resource conversion channel), and a server 105 (the server corresponding to the first resource conversion channel). A resource conversion application runs on the user terminal 101. The resource conversion application is an application that can provide resource conversion services for users and can be a web application, an application program (abbreviated as APP), etc. The above-mentioned user terminal 101 includes a human-computer interaction screen 1011, a processor 1012, and a memory 1013. The human-computer interaction screen 1011 is used for the user to initiate a first resource request through the human-computer interaction screen. The processor 1012 is used to process the relevant operations of the first resource request. The memory 1013 is used to store the data related to the first resource request.

[0078] In addition, 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.

[0079] As Figure 2 shown, the specific process of the resource conversion method in this application for processing resource conversion requests is as follows in steps S1 - S9:

[0080] S1, The user initiates a first resource conversion request through the resource conversion application in the user terminal 101 and sends the first resource conversion request to the server 103 corresponding to the first resource conversion platform through the network 102.

[0081] S2, When the server 103 corresponding to the first resource conversion platform receives the first resource conversion request, it determines the request time of the first resource conversion request. If the request time does not belong to the operating time of the first resource conversion channel on the current date, then steps S3 - S8 are executed. If the request time belongs to the operating time of the first resource conversion channel on the current date, then steps S5 and S9 are executed.

[0082] S3, If the request time does not belong to the operating time of the first resource conversion channel on the current date, then 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. Among them, the request time of the second resource conversion request belongs to the operating time of the second resource conversion channel. The database 1031 is used to store the data related to the second resource conversion request.

[0083] 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. The database 1041 is used to store data related to the second resource conversion request.

[0084] 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.

[0085] S6. When the server 105 corresponding to the first resource conversion channel receives the first resource conversion request, at the operating time on the next date of the current date of the first resource conversion channel, the processing engine 1052 executes the first resource conversion request. The database 1051 is used to store data related to the first resource conversion request.

[0086] 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.

[0087] 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. The database 1041 is used to store data related to the reverse resource conversion request corresponding to the second resource conversion request.

[0088] S9. If the request time corresponding to the first resource conversion request belongs to the operating 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. The database 1051 is used to store data related to the first resource conversion request.

[0089] In an alternative embodiment, the resource conversion method of the present application can be applied to the following scenarios:

[0090] The resource conversion operating times corresponding to the first resource conversion channel and the second resource conversion channel are not completely the same or are completely different. For example, at the same time, the institution or unit corresponding to the first resource conversion channel is in a non-operating time, and the institution or unit corresponding to the second resource conversion channel is in an operating time. When the received resource conversion request is not within the operating time of the current date of the first resource conversion channel but within the operating time of the second resource conversion channel, the received resource conversion request can be processed by borrowing the second resource conversion channel.

[0091] To more clearly understand the above-mentioned first resource conversion channel and the above-mentioned second resource conversion channel, in an optional embodiment, the legal tender corresponding to the above-mentioned first resource conversion channel and the above-mentioned second resource conversion channel is different. For example, the first resource conversion channel can be understood as a domestic bank (that is, the electronic device of the domestic bank providing resource conversion services). The second resource conversion channel can be understood as a foreign bank (that is, the electronic device of the foreign bank providing resource conversion services). Among them, the first resource conversion channel can be called the domestic resource conversion channel, and the second resource conversion channel can be called the foreign resource conversion channel. It can be understood that domestic and foreign are relative concepts. As an example, if the domestic resource conversion channel is China, the foreign resource conversion channel can be the United States. In this example, the legal tender of the domestic resource conversion channel can be the RMB, and the legal tender of the foreign resource conversion channel can be the US dollar.

[0092] In the following example, a resource conversion scenario is described under the scenario where the first resource conversion channel operates on a non-24-hour basis and the second resource conversion channel operates on a 24-hour basis. Among them, the legal tender of the first resource conversion channel is the RMB, and the legal tender of the second resource conversion channel is the US dollar. In practical applications, any other scenarios applicable to this application are also applicable to this application, which is not limited here.

[0093] To better understand and illustrate the solution provided by the embodiments of the present application, the optional implementation solutions of the present application will be described below in combination with a specific implementation example. In this example, the legal tender of the first resource conversion channel is the RMB (in this example, the first resource conversion channel is the domestic resource conversion channel), the legal tender of the second resource conversion channel is the US dollar (in this example, the second resource conversion channel is the foreign resource conversion channel), the first resource conversion request in this example is to request to buy 100 USD, the second resource conversion request is to buy 100 USD forward through the foreign channel, and the reverse resource conversion request corresponding to the second resource conversion request in this example is to sell 100 USD reverse through the foreign channel. Based on the resource conversion method of the present application, see Figure 3 , Figure 3 is a schematic flowchart of a resource conversion method provided by an embodiment of the present application. The execution process of the resource conversion method in this example can be as follows:

[0094] Step 1, after 18:00 on May 11, 2020 and before 9:00 on May 12, for example, at 23:00 on the evening of May 11, the user requests to buy 100 USD through the domestic resource conversion channel. Among them, 23:00 on the evening of May 11 is the non-operating time of the domestic resource conversion channel, and 9:00 on May 12 is the start operating time of the domestic resource conversion channel on a working day.

[0095] Step 2: Determine the request time when the user requests to buy 100 USD through the domestic resource conversion channel. At this time, the request time is after 18:00 on May 11, 2020 and before 9:00 on May 12, which is 23:00 on the evening of May 11.

[0096] Step 3: Since the request time when the user requests to buy 100 USD through the domestic resource conversion channel does not fall within the operating hours of the domestic resource conversion channel on the current date (May 11), at this time, a second resource conversion request corresponding to the first resource conversion request (i.e., the request to buy 100 USD) can be generated (i.e., buy 100 USD through the overseas channel). The overseas resource conversion channel can be borrowed to send the second resource conversion request to the overseas resource conversion channel, and the overseas resource conversion channel processes the second resource conversion request to buy 100 USD overseas.

[0097] Step 4: Normally process the first resource conversion request at the operating time (such as 9:30 in the morning on May 12) on the next date (May 12) of the current date (May 11) of the domestic resource conversion channel to buy 100 USD in the domestic resource conversion channel.

[0098] Step 5: Since 100 USD has been bought through the overseas resource conversion channel, in order to close the position, it is necessary to execute the reverse resource conversion request corresponding to the second resource conversion request through the overseas resource conversion channel (sell 100 USD in reverse through the overseas resource conversion channel). As Figure 3 shown, 100 USD can be sold in reverse on May 13.

[0099] Through the solution shown in the embodiments of the present application, when the current date of the domestic resource conversion channel is not the operating time, the second resource conversion request corresponding to the first resource conversion request can be executed through the overseas resource conversion channel, without the need to hold the funds corresponding to the first resource conversion request for a long time during the non-operating period, reducing the capital risk and improving the security.

[0100] See Figure 4 , Figure 4It is a schematic flowchart of another resource conversion method provided by an embodiment of the present application. This method can be executed by any electronic device, such as a server or a user terminal, or can be completed through the interaction between the user terminal and the server. Optionally, it can be executed by the user terminal. For the first resource conversion request, the user terminal can obtain the first resource conversion request, and then send the first resource conversion request to the server, and the server processes the first resource conversion request. Among them, the server can be an independent physical server, or a server cluster or distributed system composed of multiple physical servers, or a cloud server or server cluster that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN (Content Delivery Network), and big data and artificial intelligence platforms. The user terminal can be a smart phone, a tablet computer, a notebook computer, a desktop computer, a smart speaker, a smart watch, etc. The user terminal and the server can be directly or indirectly connected through wired or wireless communication methods, but it is not limited thereto.

[0101] See Figure 4 , Figure 4 It is a schematic flowchart of another resource conversion method provided by an embodiment of the present application. As Figure 4 shown, the resource conversion method provided by the embodiment of the present application includes the following steps:

[0102] S201. Obtain a first resource conversion request corresponding to a first resource conversion channel through a first resource conversion platform.

[0103] The above-mentioned first resource conversion platform can be understood as a domestic resource conversion platform, providing the ability to convert domestic resources. Corresponding to the first resource conversion platform is a second resource conversion platform, which can also be called an overseas resource conversion platform, providing overseas resource conversion ability support and having the ability to conduct offshore RMB foreign exchange transactions at night.

[0104] The above-mentioned first resource conversion request can specifically be a domestic resource conversion request. For example, the first resource conversion request can be a request to buy 100 USD through a domestic resource conversion channel. It can be understood that the first resource conversion request can be determined according to the actual needs of the user, and no limitation is made here.

[0105] In some feasible implementation manners, the first resource conversion request can be directly initiated by the user to the first resource conversion platform, or the user can also initiate it through a user terminal connected to the first resource conversion platform. In actual applications, it can be determined according to actual needs, and no limitation is made here.

[0106] S202. Determine the request time corresponding to the above first resource conversion request.

[0107] In some feasible embodiments, the request time of the first resource conversion request can be determined as the submission time when the user submits the first resource conversion request.

[0108] Alternatively, after the first resource conversion request sent by the user is verified, a declaration document is generated, and packaged through the first resource conversion platform, and then sent by the first resource conversion platform to the bank for processing. At this time, the time when the first resource conversion platform sends the first resource conversion request to the bank for processing can be determined as the request time of the first resource conversion request.

[0109] S203. If the request time corresponding to the above first resource conversion request does not belong to the operating time of the first resource conversion channel on the current date, then based on the first resource conversion request, generate a second resource conversion request corresponding to the second resource conversion channel. The request time of the second resource conversion request belongs to the operating time of the second resource conversion channel, and execute the second resource conversion request through the second resource conversion channel.

[0110] In some feasible embodiments, the request time corresponding to the first resource conversion request can be compared with the operating time of the first resource conversion channel on the current date. If the request time corresponding to the first resource conversion request does not belong to the operating time of the first resource conversion channel on the current date, then the first resource conversion request can be processed through the second resource conversion channel, a second resource conversion request corresponding to the first resource conversion request is generated, and the second resource conversion request is executed during the operating time of the second resource conversion channel.

[0111] Specifically, taking the first resource conversion request in the first resource conversion channel (domestic resource conversion channel) as an example of requesting to buy 100 USD, assume that the user requests to buy 100 USD after 18:00 on May 11, 2020 (T0 day) and before 9:00 on May 12 (i.e., May 12), such as 23:00 on the evening of May 11. Since the request time of this request to buy 100 USD does not belong to the operating time of the first resource conversion channel on the current date (May 11), at this time, by borrowing the second resource conversion channel (offshore resource conversion channel), the first resource conversion request can be sent to the second resource conversion channel, and the second resource conversion channel processes this first resource conversion request.

[0112] It should be noted that the operating hours of the domestic resource conversion channel and the overseas resource conversion channel are not exactly the same. For example, the domestic resource conversion channel only supports transactions during the daytime on weekdays, while the overseas resource conversion channel supports 24-hour resource conversion transactions throughout the day on weekdays. Therefore, the above method of using the second resource conversion channel (overseas resource conversion channel) is theoretically feasible.

[0113] Through this embodiment, when a first resource conversion request is received during the non-operating hours of the first resource conversion channel, the first resource conversion request can be processed through the second resource conversion channel by borrowing the channel, which improves the flexibility of processing resource conversion requests.

[0114] For the above step S203, it can also be implemented in the following way:

[0115] In an alternative embodiment, it further includes: executing the above first resource conversion request during the operating hours of the next date of the current date of the above first resource conversion channel; executing the reverse resource conversion request corresponding to the above second resource conversion request through the above second resource conversion channel.

[0116] Optionally, the above second resource conversion request corresponds to the above first resource conversion request, and this second resource conversion request is a request corresponding to the second resource conversion channel. In other words, the second resource conversion request is essentially the same as the amount of funds requested by the first resource conversion request, except that the second resource conversion request is executed by the second resource conversion channel.

[0117] See Figure 5 , Figure 5 which is a schematic flowchart of another resource conversion method provided by the embodiment of the present application. In an alternative example, the first resource conversion request can be processed according to the following steps:

[0118] S301, obtain the first resource conversion request corresponding to the first resource conversion channel through the first resource conversion platform.

[0119] For the above step S301, see step S201 for details and will not be elaborated here.

[0120] S302, determine the request time corresponding to the above first resource conversion request.

[0121] For the above step S302, see step S202 for details and will not be elaborated here.

[0122] S303, if the request time corresponding to the above first resource conversion request does not belong to the operating hours of the current date of the above first resource conversion channel, then execute the second resource conversion request through the above second resource conversion channel.

[0123] In the case where the request time of the first resource conversion request does not belong to the operating hours 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.

[0124] S304. Execute the first resource conversion request during the operating hours of the next date of the current date of the first resource conversion channel.

[0125] Then, the first resource conversion request is normally executed during the operating hours of the next date of the current date of the first resource conversion channel.

[0126] S305. Execute the reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel.

[0127] Finally, execute the reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel. Among them, 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 100 USD through an overseas resource conversion channel. It can be understood that the second resource conversion request can be determined according to the actual needs of the user and is not limited herein.

[0128] In practical applications, the factor of the settlement date needs to be considered. For the above step S305, in an optional embodiment, it may be implemented in the following manner, that is, executing the reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel includes: executing the reverse resource conversion request through the second resource conversion channel on the settlement date of the reverse resource conversion request; among them, the settlement dates of the second resource conversion request and the reverse resource conversion request are the same, and the settlement date of the second resource conversion request is later than the settlement date of the first resource conversion request.

[0129] See Figure 6 , Figure 6 which is a schematic flowchart of a process for processing a first resource conversion request through a second resource conversion channel provided by an embodiment of the present application. As Figure 6 shown, the following takes the first resource conversion request of buying 100 USD as an example for illustration, and the specific process is as follows:

[0130] Step 1. The user sends a first resource conversion request after 18:00 on May 11, 2020 and before 9:00 on May 12 (such as 23:00 on the evening of May 11). The first resource conversion request may be a request to buy 100 USD.

[0131] Among them, the expected settlement date of the first resource conversion request (request to buy 100 USD) is May 12th. The T0 day of the first resource conversion request is May 11th, the T1 day is May 12th, and the T2 day is May 13th.

[0132] Step 2: Determine the request time of the first resource conversion request. At this time, the request time is after 18:00 on May 11th, 2020 and before 9:00 on May 12th (such as 23:00 on the evening of May 11th).

[0133] Step 3: Since the request time of the first resource conversion request does not fall within the operating hours of the current date (May 11th) of the first resource conversion channel, at this time, a second resource conversion request corresponding to the first resource conversion request can be generated (request to buy 100 USD through the second resource conversion channel). The second resource conversion channel can be borrowed to send the second resource conversion request to the second resource conversion channel, and the second resource conversion channel processes the second resource conversion request to buy 100 USD in the second resource conversion channel.

[0134] Among them, the settlement date of the above-mentioned second resource conversion request (request to buy 100 USD through the second resource conversion channel) is May 13th. That is, it is ensured that the settlement date of the second resource conversion request is later than the settlement date of the first resource conversion request.

[0135] Step 4: Normally process the first resource conversion request during the operating hours of the next date (such as 9:30 in the morning on May 12th) of the current date (May 11th) of the first resource conversion channel, and buy 100 USD in the first resource conversion channel.

[0136] Since the first resource conversion channel cannot process the first resource conversion request during non-operating hours (18:00 on May 11th - 9:00 on May 12th), and the first resource conversion request is normally processed at 9:30 in the morning on May 12th in the first resource conversion channel, the actual settlement date of the first resource conversion request is May 12th.

[0137] Step 5: On the settlement date of the reverse resource conversion request, execute the reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel.

[0138] Specifically, since the second resource conversion channel has bought 100 USD, in order to close the position, it is necessary to execute the reverse resource conversion request (request to sell 100 USD through the second resource conversion channel) corresponding to the second resource conversion request (request to buy 100 USD through the second resource conversion channel) through the second resource conversion channel. As Figure 5 shown, 100 USD can be sold short on May 13th.

[0139] Among them, the settlement dates of the reverse resource conversion request and the second resource conversion request are the same, both being May 13th.

[0140] To more clearly illustrate the beneficial effects of the embodiments of the present application compared to the prior art solutions, the following is combined with Figure 7 for description.

[0141] See Figure 7 , Figure 7 which is a schematic diagram of the principle corresponding to the resource conversion method provided by the embodiments of the present application. Figure 7 In

[0142] As Figure 7 shown, the resource conversion platform received a resource conversion request (a domestic resource conversion request to buy USD with CNY) at 11 pm on May 11th (i.e., May 11). Since the next trading day after May 11th is May 12th, according to the normal processing method, then, the resource conversion platform needs to bear the financial loss caused by the exchange rate change of the resource conversion target currency (such as the resource conversion target currency corresponding to the first resource conversion request) during the period from 23:00 pm on May 11th to 9:30 am on May 12th. Among them, Figure 7 in

[0143] USD represents the US dollar, CNY represents the onshore RMB, and CNH represents the offshore RMB.

[0144] Specifically, as Figure 7 shown, according to the general processing method in the prior art, at 23:00 on May 11th, a request was made to buy 100 USD. At this time, the first resource conversion platform obtained 680 CNY. According to the general processing method, 100 USD could be bought at 9:30 am on May 12th. At this time, the first resource conversion platform needed to consume 700 CNY (i.e., corresponding to Figure 7 in which 700 CNY is consumed to buy 100 USD domestically), then, according to the general processing method, the exchange rate loss of the first resource conversion platform is: 680 - 700 = -20.

[0145] In the method of the present application, at 23:00 on May 11th, a request was made to buy 100 USD. At this time, the first resource conversion platform obtained 680 CNY. At this time, through the method of borrowing through overseas, 100 USD was bought forward overseas, and the first resource conversion platform consumed 680 CNY (i.e., corresponding to Figure 7Buying 100 USD overseas (positive) consumes 680 CNY); Buying 100 USD within China at 9:30 am on May 12th, the first resource conversion platform needs to consume 700 CNY at this time (corresponding to Figure 7 Buying 100 USD within China consumes 700 CNY), and selling 100 USD overseas (negative) on May 12th, the first resource conversion platform obtains 699 CNY (corresponding to Figure 7 Selling 100 USD overseas (buying back 699 CNY)). Then, according to the resource conversion method of borrowing through overseas in this application, the exchange rate loss of the first resource conversion platform is: 680 - 700 + 699 = -1. Obviously, the exchange rate loss of the method in this application is smaller.

[0146] Specifically, on the night of May 11th, the user initiates a transaction with the first resource conversion platform. At this time, the account balance of the first resource conversion platform is (RMB: 680, USD: -100). Among them, assuming that the local currency of the first resource conversion platform is RMB, holding RMB will not have a position risk. However, at this time, the concept is equivalent to the first resource conversion platform holding 100 US dollars in RMB, so it will be affected by the fluctuation of the US dollar exchange rate, resulting in the fluctuation of the value of this 680 yuan RMB of the first resource conversion platform, thus there is a risk.

[0147] By borrowing through overseas, through positive and negative resource conversions overseas, the US dollar balance of -100 can be offset. Maybe the overseas resource conversion exchange rate at this time is (RMB: -699, USD: +100). After the transaction, the account balance of the resource conversion platform is (RMB: -1, USD: 0). At this time, the profit and loss of the resource conversion platform is this 1 yuan less in RMB, but this risk is controllable, far smaller than holding 100 US dollars and waiting for it to depreciate for a few hours.

[0148] Such as Figure 6 and Figure 7 In the solutions of, on the night of May 11th, as soon as the first resource conversion platform completes the transaction with the user, it immediately sends an overseas positive resource conversion transaction (the second resource conversion request), and on May 12th, it simultaneously initiates a domestic positive resource conversion transaction (the first resource conversion request) and an overseas negative resource conversion transaction (the reverse resource conversion request corresponding to the second resource conversion request). Therefore, the time interval between the first transaction (the transaction between the first resource conversion platform and the user) and the second transaction (the overseas positive resource conversion transaction) is very short, and the time interval between the third transaction (the domestic positive resource conversion transaction) and the fourth transaction (the overseas negative resource conversion transaction) is also very short.

[0149] The resulting exchange rate difference is merely the exchange rate difference for resource conversion transactions between the domestic and overseas markets during the same period. At the same moment, the exchange rate difference for resource conversion transactions of RMB between the domestic and overseas markets is very small. Therefore, compared with the solutions in the prior art, the risk during resource conversion in this application is more controllable and smaller.

[0150] That is to say, the resource conversion platform only needs to bear the domestic and overseas exchange rate differences on the day when the first resource conversion request is submitted, and the domestic and overseas exchange rate differences on the trading day when the reverse resource conversion request and the second resource conversion request are initiated. At the same time, the trading exchange rates at home and abroad are similar. Therefore, the method of borrowing through overseas in the embodiments of this application can greatly reduce the position-holding risk of the resource conversion platform.

[0151] In a feasible embodiment, as long as it is ensured that the settlement dates of the second resource conversion request and the reverse resource conversion request are the same, and the settlement date of the second resource conversion request is later than that of the first resource conversion request, then, in Figure 6 and Figure 7 in the example shown, the settlement dates of the reverse resource conversion request and the second resource conversion request can also be any date after May 12, such as May 13, May 14, May 15, etc.

[0152] It should be particularly noted that for the first resource conversion platform, there are no actual fund changes in the overseas forward resource conversion and overseas reverse resource conversion. For example, for the overseas forward resource conversion, it is only that the first resource conversion platform promises that it will give 700 RMB to the bank after 2 days, and then the bank will give 100 US dollars to the first resource conversion platform. The overseas reverse resource conversion is the same. It is said that the first resource conversion platform will give 100 US dollars to the bank, and the bank will give 700 RMB to the first resource conversion platform (not necessarily 700, there will be a slight exchange rate difference). As long as these two forward and reverse resource conversions fall on the same day, the two transactions of overseas forward resource conversion and overseas reverse resource conversion can be completed. Otherwise, the first resource conversion platform will owe money to the bank, and the interest for owing money is calculated on a daily basis. Therefore, the settlement dates of the second resource conversion request and the reverse resource conversion request should fall on the same day. Among them, the above 700 is only used for illustrative purposes, and this embodiment does not make any limitations here.

[0153] It can be understood that the above is only an example, and this embodiment does not make any limitations here.

[0154] In this embodiment, when a first resource conversion request is received during the non-operating time of the first resource conversion channel, the second resource conversion channel can be used as a detour, and the second resource conversion channel processes the second resource conversion request corresponding to the first resource conversion request. To meet market rules, a closing position also needs to be carried out. The reverse resource conversion request corresponding to the second resource conversion request is executed through the second resource conversion channel, and the first resource conversion request also needs to be normally processed during the normal operating time of the first resource conversion channel. By adopting this method, the first resource conversion request can be normally processed during the non-operating time, improving the flexibility of processing resource conversion requests.

[0155] S204. If the request time corresponding to the above first resource conversion request belongs to the operating time of the above first resource conversion channel on the current date, the above first resource conversion request is processed through the above first resource conversion channel.

[0156] In some feasible embodiments, if the request time of the first resource conversion request belongs to the operating time of the first resource conversion channel on the current date, at this time, the first resource conversion request can be directly processed by the first resource conversion channel according to the normal process.

[0157] The following takes the first resource conversion request of buying 100 USD as an example for illustration, and the specific process is as follows:

[0158] Step 1: Send a first resource conversion request at 10:00 on May 12, 2020. The first resource conversion request can be a request to buy 100 USD.

[0159] Step 2: Determine the request time of the first resource conversion request. At this time, the request time is 10:00 on May 12, 2020.

[0160] Step 3: Since the request time of the first resource conversion request belongs to the operating time of the first resource conversion channel on the current date (May 12), at this time, the first resource conversion request can be normally processed during the operating time of the first resource conversion channel on the current date (May 12), and 100 USD is bought through the first resource conversion channel.

[0161] In this embodiment, a first resource conversion request corresponding to a first resource conversion channel is obtained 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 fall within the operating hours of the first resource conversion channel on the current date, the first resource conversion request can be processed through a second resource conversion channel. If the request time of the first resource conversion request belongs to the operating hours of the first resource conversion channel on the current date, then the first resource conversion request can be directly and normally processed through the first resource conversion channel. In the existing solution, if a first resource conversion request is received during non-operating hours, then during the period from the moment when the first resource conversion request is received to the next tradable date, the first resource conversion platform needs to hold the funds corresponding to the first resource conversion request. During such a long period, there may be significant exchange rate fluctuations, and the first resource conversion platform needs to bear a great deal of capital risk. However, by adopting the above method, when the current date of the first resource conversion channel is non-operating hours, the first resource conversion request can be processed through the second resource conversion channel, and the first resource conversion platform does not need to hold the funds during this period, reducing the capital risk of the resource conversion platform and improving the security of the resource conversion platform.

[0162] The purpose of the resource conversion method in this application is to reduce the holding time of the funds of a resource conversion platform (such as a domestic resource conversion platform). By adopting the method of borrowing through an overseas resource conversion channel, resource conversion requests (such as the above-mentioned first resource conversion request) are processed. It should be particularly noted that in the above resource conversion method, it is necessary to ensure that the settlement dates of the overseas positive resource conversion and overseas reverse resource conversion transactions for risk hedging are the same.

[0163] In an alternative embodiment, the above step S203 can also be implemented in the following manner, that is, processing the first resource conversion request through the second resource conversion channel includes: generating a second resource conversion request; sending the second resource conversion request to the resource conversion front-end device corresponding to the second resource conversion channel, so as to send the second resource conversion request to the second resource conversion platform corresponding to the second resource conversion channel through the resource conversion front-end device.

[0164] See Figure 8 , Figure 8 FIG. is a schematic flow chart of another method for processing a first resource conversion request through a second resource conversion channel provided by an embodiment of this application. In an alternative example, the first resource conversion request can be processed according to the following steps:

[0165] S701, obtain a first resource conversion request corresponding to a first resource conversion channel through a first resource conversion platform.

[0166] For the above step S701, please refer to step S201 for details and will not be elaborated here.

[0167] S702. Determine the request time corresponding to the above first resource conversion request.

[0168] For the above step S702, please refer to step S202 for details and will not be elaborated here.

[0169] S703. If the request time corresponding to the above first resource conversion request does not fall within the operating hours of the current date of the above first resource conversion channel, generate a second resource conversion request.

[0170] Among them, 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.

[0171] S704. Send the second resource conversion request to the resource conversion front-end device corresponding to the second resource conversion channel, so as to send the second resource conversion request to the second resource conversion platform corresponding to the second resource conversion channel through the resource conversion front-end device, and execute the second resource conversion request through the second resource conversion platform.

[0172] Among them, the resource conversion front-end device can be understood as a front-end machine, which mainly serves as a device for data transfer between the resource conversion platform and the bank. In step S704, it mainly refers to the overseas resource conversion front-end device, which is used to connect the overseas resource conversion platform and the overseas bank.

[0173] The above second resource conversion platform can be understood as an overseas resource conversion platform, and it is an overseas resource conversion platform with a 24-hour working day on weekdays.

[0174] S704. Execute the first resource conversion request during the operating hours of the next date of the current date of the first resource conversion channel.

[0175] Then, normally execute the first resource conversion request during the operating hours of the next date of the current date of the first resource conversion channel.

[0176] S705. Execute the reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel.

[0177] It should be noted that the resource conversion method in the embodiments of the present application needs to avoid being used in the following special scenarios, that is, the scenario where the settlement date of overseas resource conversion is earlier than or equal to the settlement date of domestic resource conversion.

[0178] See Figure 9 , Figure 9 This is a schematic diagram showing that the embodiments of the present application are not applicable to resource conversion through the overseas resource conversion channel. As Figure 9As shown below, the following takes the first resource conversion request to buy 100 USD as an example for illustration, and the specific process is as follows:

[0179] Step 1: Send the first resource conversion request at 23:00 on September 30, 2020. This first resource conversion request can be a request to buy 100 USD.

[0180] Considering holiday factors, the expected settlement date of this first resource conversion request (request to buy 100 USD) is October 9. The T0 day of the first resource conversion request is September 30, 2020, the domestic T1 day is October 9, 2020, and the domestic T2 day is October 13.

[0181] Step 2: Determine the request time of the first resource conversion request. At this time, the request time is 23:00 on September 30, 2020.

[0182] Step 3: Since the request time of the first resource conversion request does not fall within the operating hours of the current date (September 30) of the first resource conversion channel, at this time, the second resource conversion channel can be borrowed, and the second resource conversion channel executes the second resource conversion request corresponding to the first resource conversion request.

[0183] Figure 9 In the example shown, the overseas T1 day of the second resource conversion request (buying 100 USD forward through overseas channels) is October 5, which is later than the domestic T1 day of October 9, 2020. In this case, since the first resource conversion request has not been completed domestically, if the settlement date of the second resource conversion request is earlier than the settlement date of the first resource conversion request, it does not conform to the actual application scenario.

[0184] Step 4: Normally process the first resource conversion request during the operating hours of the next date of the current date (September 30) of the first resource conversion channel (such as 9:30 am on October 9), and buy 100 USD through the first resource conversion channel.

[0185] Since the first resource conversion channel cannot process the first resource conversion request during non-operating hours (23:00 on September 30), the first resource conversion request can be normally processed at 9:30 am on October 9 through the first resource conversion channel, and the actual settlement date of the first resource conversion request is October 9.

[0186] Step 5: On the settlement date of the reverse resource conversion request, execute the reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel.

[0187] Figure 9In the example shown, the settlement date of the reverse resource conversion request corresponding to the second resource conversion request is October 13. At this time, the settlement dates of the overseas forward purchase of 100 USD (the second resource conversion request) and the overseas reverse sale of 100 USD (the reverse resource conversion request) are different, which will cause the resource conversion platform to hold funds for a long time from October 5 to October 13, greatly increasing the risk of the resource conversion platform. Therefore, it is necessary to avoid using the resource conversion method in this application in Figure 9 the scenario shown.

[0188] In a feasible embodiment, the present application further provides a resource conversion system. The above 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. Among them, the above first resource conversion channel is communicatively connected to the above first resource conversion platform through the above first resource conversion front-end device, and the above first resource conversion platform is communicatively connected to the first resource conversion front-end device and the above second resource conversion front-end device respectively;

[0189] The above first resource conversion platform is used to obtain a first resource conversion request corresponding to the first resource conversion channel, determine the request time corresponding to the above first resource conversion request, and generate a second resource conversion request and send it to the above second resource conversion front-end device when the request time corresponding to the above first resource conversion request does not belong to the operating time of the current date of the above first resource conversion channel. Among them, the above resource conversion request is a request corresponding to the above second resource conversion channel, and the above second resource conversion request corresponds to the above first resource conversion request;

[0190] The above second resource conversion front-end device is used to receive the second resource conversion request and process it;

[0191] The above first resource conversion front-end device is used to send the above first resource conversion request to the above first resource conversion channel if the request time corresponding to the above first resource conversion request belongs to the operating time of the current date of the above first resource conversion channel;

[0192] The above first resource conversion channel is used to process the received above first resource conversion request.

[0193] In a feasible embodiment, the above system further includes a second resource conversion platform, and the above first resource conversion platform is communicatively connected to the above second resource conversion platform through the above second resource conversion front-end device;

[0194] The above second resource conversion front-end device is used to send the second resource conversion request to the second resource conversion platform when receiving the second resource conversion request;

[0195] The second resource conversion platform is used to process the received second resource conversion request.

[0196] In a feasible embodiment, the system further comprises a second resource conversion channel, and the second resource conversion channel is communicatively connected with the second resource conversion platform;

[0197] The second resource conversion platform is configured to send the second resource conversion request to the second resource conversion channel upon receiving the second resource conversion request;

[0198] The second resource conversion channel is used to execute the received second resource conversion request;

[0199] The first resource conversion channel is used to execute the first resource conversion request during the operation time of the next date after the current date of the first resource conversion channel;

[0200] The second resource conversion channel is also used to execute a reverse resource conversion request corresponding to the second resource conversion request.

[0201] Combine the following Figure 10 The above resource conversion system is described in detail. Figure 10 , Figure 10 This is a schematic diagram of the structure of a resource conversion system provided by this application. Figure 10 As shown, the following takes the first resource conversion request of buying 100 USD as an example for explanation, the specific process is as follows:

[0202] Step 1: The user initiates a first resource conversion request at 21:00 on May 11, 2020 through the business system, and sends the first resource conversion request to the first resource conversion platform, where the first resource conversion request can be a request to buy 100 USD.

[0203] Step 2: The first resource conversion platform determines the request time of the first resource conversion request. At this time, the request time is 21:00 on May 11, 2020.

[0204] Step 3: Since the request time of the first resource conversion request does not belong to the operating time of the first resource conversion channel on the current date (May 11), a second resource conversion request corresponding to the first resource conversion request can be generated (requesting to buy 100 USD through the second resource conversion channel). 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 the second resource conversion platform sends the second resource conversion request to the second resource conversion channel. The second resource conversion channel processes the second resource conversion request and buys 100 USD in the second resource conversion channel.

[0205] Step 4, at the operating time of the next date of the current date (May 11th) of the first resource conversion channel (such as 9:30 in the morning on May 12th), the first resource conversion platform sends the first resource conversion request to the first resource conversion front-end device, and then the first resource conversion front-end device 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 buys 100 USD in the first resource conversion channel.

[0206] Step 5, the first resource conversion platform sends the reverse resource conversion request corresponding to the second resource conversion request to the second resource conversion front-end device, and then the second resource conversion front-end device sends the reverse resource conversion request to the second resource conversion platform. Then, the reverse resource conversion request is sent to the second resource conversion channel through the second resource conversion platform. The second resource conversion channel processes the reverse resource conversion request and sells 100 USD in reverse in the second resource conversion channel.

[0207] Among them, the above-mentioned first resource conversion front-end device and the second resource conversion front-end device can be understood as a front-end machine, which mainly serves as a device for data transfer between the resource conversion platform and the bank. The first resource conversion front-end device mainly refers to the domestic resource conversion front-end device, which is used to connect the first resource conversion platform (domestic resource conversion platform) and the first resource conversion channel (domestic bank). The second resource conversion front-end device mainly refers to the overseas resource conversion front-end device, which is used to connect the second resource conversion platform (overseas resource conversion platform) and the second resource conversion channel (overseas bank).

[0208] In the embodiments of the present application, each electronic device involved (including but not limited to the electronic devices of each resource conversion platform, each resource conversion front-end device, the electronic devices corresponding to each resource conversion channel, and the client used by the user to connect to the resource conversion platform) can be a node of the blockchain system. The servers involved (including but not limited to the servers of the bank providing resource conversion services, the servers of each resource conversion platform, the servers of each resource conversion front-end device, and the servers corresponding to each resource conversion channel) can be blockchain servers. The data required in the embodiments of the present application can also be stored in the blockchain nodes. The resource conversion system involved in the embodiments of the present application can be a distributed system formed by connecting a client and multiple blockchain nodes (any form of computing device accessing the network, such as a server, a user terminal) through network communication.

[0209] Taking the distributed system as an example of the blockchain system, see Figure 11 , Figure 11FIG. 0 is an optional schematic structural diagram of the distributed system 100 provided by an embodiment of the present invention applied to a blockchain system, which is formed by a plurality of nodes 200 (any form of computing device accessing the network, such as a server or a user terminal) and a client 300. A peer-to-peer (P2P) network is formed among the nodes. The P2P protocol is an application layer protocol running on top of the Transmission Control Protocol (TCP). In a distributed system, any machine such as a server or a terminal can join and become a node. A node includes a hardware layer, an intermediate layer, an operating system layer, and an application layer.

[0210] See Figure 11 the functions of each node in the illustrated blockchain system, and the functions involved include:

[0211] 1) Routing, which is a basic function of a node and is used to support communication between nodes.

[0212] In addition to the routing function, a node may also have the following functions:

[0213] 2) Application, which is used to be deployed in the blockchain, implement specific services according to actual business requirements, record data related to the implemented functions to form record data, carry a digital signature in the record data to indicate the source of the task data, and send the record data to other nodes in the blockchain system. When other nodes verify the source and integrity of the record data successfully, the record data is added to a temporary block.

[0214] For example, the services implemented by the application include:

[0215] 2.1) Wallet, which is used to provide the function of conducting electronic currency transactions, including initiating a transaction (that is, sending the transaction record of the current transaction to other nodes in the blockchain system. After other nodes verify successfully, as a response to acknowledging the validity of the transaction, the record data of the transaction is deposited into the temporary block of the blockchain; of course, the wallet also supports querying the remaining electronic currency in the electronic currency address;

[0216] 2.2) Shared ledger, which is used to provide functions such as storage, query, and modification of account data, send the record data of the operations on the account data to other nodes in the blockchain system. After other nodes verify its validity, as a response to acknowledging the validity of the account data, the record data is deposited into the temporary block, and can also send a confirmation to the node that initiated the operation.

[0217] 2.3) Smart contract, a computerized protocol that can execute the terms of a contract, implemented by code deployed on a shared ledger and executed when certain conditions are met. According to actual business requirements, the code is used to complete automated transactions, such as querying the logistics status of the goods purchased by the buyer and transferring the buyer's electronic currency to the merchant's address after the buyer signs for the goods. Of course, smart contracts are not limited to executing contracts for transactions, but can also execute contracts for processing received information.

[0218] 3) Blockchain, including a series of blocks (Block) that are sequentially connected in the order of generation. Once a new block is added to the blockchain, it will not be removed again. The block records the record data submitted by nodes in the blockchain system.

[0219] See Figure 12 , Figure 12 is an optional schematic diagram of the block structure provided by an embodiment of the present invention. Each block includes the hash value of the transaction records stored in this block (the hash value of this block) and the hash value of the previous block. The blocks are connected through the hash values to form a blockchain. In addition, the block may also include information such as the timestamp when the block is generated. Blockchain, essentially a decentralized database, is a string of data blocks generated by using cryptographic methods. Each data block contains relevant information for verifying the validity of its information (anti-counterfeiting) and generating the next block.

[0220] See Figure 13 , Figure 13 is a schematic diagram of the structure of a resource conversion device provided by an embodiment of the present application. The resource conversion device 1 provided by the embodiment of the present application includes:

[0221] A resource conversion request acquisition module 11, configured to obtain a first resource conversion request corresponding to a first resource conversion channel through a first resource conversion platform;

[0222] A time determination module 12, configured to determine the request time corresponding to the first resource conversion request;

[0223] A first processing module 13, configured to, if the request time corresponding to the first resource conversion request does not belong to the operating time of the first resource conversion channel on the current date, generate a second resource conversion request corresponding to a second resource conversion channel based on the first resource conversion request, where the request time of the second resource conversion request belongs to the operating time of the second resource conversion channel, and execute the second resource conversion request through the second resource conversion channel;

[0224] The above first processing module includes:

[0225] The first processing unit is configured to execute the first resource conversion request during the operating hours of the next date of the current date of the first resource conversion channel;

[0226] The second processing unit is configured to execute the reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel;

[0227] The second processing module 14 is configured to, if the request time corresponding to the first resource conversion request belongs to the operating hours of the current date of the first resource conversion channel, process the first resource conversion request through the first resource conversion channel.

[0228] In some feasible embodiments, the second processing unit is configured to:

[0229] On the settlement date of the reverse resource conversion request, execute the reverse resource conversion request through the second resource conversion channel, where the settlement dates of the second resource conversion request and the reverse resource conversion request are the same, and the settlement date of the second resource conversion request is later than the settlement date of the first resource conversion request.

[0230] In some feasible embodiments, the first processing module is configured to:

[0231] Send the second resource conversion request to the resource conversion pre-device corresponding to the second resource conversion channel, so as to send the second resource conversion request to the second resource conversion platform corresponding to the second resource conversion channel through the resource conversion pre-device.

[0232] In some feasible embodiments, the legal tender corresponding to the first resource conversion channel and the second resource conversion channel is different.

[0233] In specific implementation, the resource conversion device 1 can execute the implementation manners provided in each step as described above through its built-in various functional modules. Figure 4 、 Figure 5 and Figure 8 The specific implementation manners provided in each step can be specifically referred to the implementation manners provided in each step above, which will not be elaborated here.

[0234] In an embodiment of the present application, a first resource conversion request corresponding to a first resource conversion channel is obtained 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 fall within the operating hours of the first resource conversion channel on the current date, a second resource conversion request corresponding to the first resource conversion request may be executed through a second resource conversion channel. If the request time of the first resource conversion request falls within the operating hours of the first resource conversion channel on the current date, then the first resource conversion request can be directly and normally processed through the first resource conversion channel. In the existing solution, if a first resource conversion request is received during non-operating hours, then during the period from the moment when the first resource conversion request is received to the next tradable date, the first resource conversion platform needs to hold the funds corresponding to the first resource conversion request. During such a long period, there may be significant exchange rate fluctuations, and the first resource conversion platform needs to bear a great deal of capital risk. However, by adopting the above method, when the current date of the first resource conversion channel is non-operating hours, the second resource conversion request corresponding to the first resource conversion request can be processed through the second resource conversion channel, and the first resource conversion platform does not need to hold the funds during this period, reducing the capital risk of the resource conversion platform and improving the security of the resource conversion platform.

[0235] The above mainly introduces and illustrates that the execution subject is hardware to implement the resource conversion method in the present application. However, the execution subject of the resource conversion method in the present application is not limited to hardware. The execution subject of the resource conversion method in the present application can also be software. The above resource conversion device can be a computer program (including program code) running in a computer device. For example, the resource conversion device is an application software; the device can be used to execute the corresponding steps in the method provided in the embodiment of the present application.

[0236] In some embodiments, the resource conversion device provided in the embodiments of the present invention can be implemented in a combination of software and hardware. As an example, the resource conversion device provided in the embodiments of the present invention can be a processor in the form of a hardware decoding processor, which is programmed to execute the resource conversion method provided in the embodiments of the present invention. For example, a processor in the form of a hardware decoding processor can adopt one or more application-specific integrated circuits (ASICs), DSPs, programmable logic devices (PLDs), complex programmable logic devices (CPLDs), field-programmable gate arrays (FPGAs), or other electronic components.

[0237] In some other embodiments, the resource conversion device provided by the embodiments of the present invention may be implemented in software. Figure 13 As shown in the resource conversion device 1, it may be software in the form of a program and a plug-in, etc., and includes a series of modules, including a resource conversion request acquisition module 11, a time determination module 12, a first processing module 13, and a second processing module 14. Among them, the resource conversion request acquisition module 11, the time determination module 12, the first processing module 13, and the second processing module 14 are used to implement the resource conversion method provided by the embodiments of the present invention.

[0238] See Figure 14 , Figure 14 is a schematic structural diagram of an electronic device provided by an embodiment of the present application. As Figure 14 shown, the electronic device 1000 in this embodiment may include: a processor 1001, a network interface 1004, and a memory 1005. In addition, the above-mentioned electronic device 1000 may further include: a user interface 1003, and at least one communication bus 1002. Among them, the communication bus 1002 is used to implement connection communication between these components. Among them, the user interface 1003 may include a display screen (Display) and a keyboard (Keyboard). Optionally, the user interface 1003 may further include a standard wired interface and a wireless interface. The network interface 1004 may optionally include a standard wired interface and a wireless interface (such as a WI-FI interface). The memory 1004 may be a high-speed RAM memory, or a non-volatile memory, such as at least one disk memory. The memory 1005 may optionally be at least one storage device located far from the aforementioned processor 1001. As Figure 14 shown, the memory 1005, as a computer-readable storage medium, may include an operating system, a network communication module, a user interface module, and a device control application program.

[0239] In Figure 14In the illustrated electronic device 1000, the network interface 1004 can provide network communication functions; the user interface 1003 is mainly used to provide an interface for users to input; and the processor 1001 can be used to call a computer program stored in the memory 1005 to implement: obtaining a first resource conversion request corresponding to a first resource conversion channel through a first resource conversion platform; determining the request time corresponding to the first resource conversion request; if the request time corresponding to the first resource conversion request does not belong to the operating time of the first resource conversion channel on the current date, then generating a second resource conversion request corresponding to a second resource conversion channel based on the first resource conversion request, where the request time of the second resource conversion request belongs to the operating time of the second resource conversion channel, and executing the second resource conversion request through the second resource conversion channel; executing the first resource conversion request during the operating time of the next date of the current date of the first resource conversion channel; executing a reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel; if the request time corresponding to the first resource conversion request belongs to the operating time of the first resource conversion channel on the current date, then processing the first resource conversion request through the first resource conversion channel.

[0240] It should be understood that in some feasible embodiments, the processor 1001 may be a central processing unit (CPU), and the processor may also be other general-purpose processors, digital signal processors (DSPs), application specific integrated circuits (ASICs), field-programmable gate arrays (FPGAs), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. The general-purpose processor may be a microprocessor or the processor may also be any conventional processor, etc. The memory may include a read-only memory and a random access memory, and provide instructions and data to the processor. A part of the memory may also include a non-volatile random access memory. For example, the memory may also store information about the device type.

[0241] In specific implementation, the above-mentioned electronic device 1000 can execute the implementation methods provided in each of the above Figure 4 , Figure 5 and Figure 8 through its built-in various functional modules. For the specific implementation methods provided in each of the above steps, reference may be made to the implementation methods provided in each of the above steps, which will not be elaborated here.

[0242] The embodiments of the present application further provide a computer-readable storage medium, which stores a computer program that is executed by a processor to implement Figure 4 , Figure 5 and Figure 8 the methods provided by the respective steps. For specific implementation manners, reference may be made to the implementation manners provided by the respective steps above, which will not be elaborated herein.

[0243] The above computer-readable storage medium may be an internal storage unit of the task processing device provided in any of the foregoing embodiments, such as a hard disk or 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 media card (SMC), a secure digital (SD) card, a flash card, etc. equipped on the electronic device. The above computer-readable storage medium may further include magnetic disks, optical disks, read-only memory (ROM), or random access memory (RAM), etc. Further, the computer-readable storage medium may include both the internal storage unit and the 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 the data that has been output or will be output.

[0244] The embodiments of the present application provide a computer program product or a computer program, which includes 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 the processor executes the computer instructions, so that the computer device executes the above Figure 4 , Figure 5 and Figure 8 methods provided by any possible implementation manner.

[0245] The terms "first", "second", etc. in the claims, the description and the drawings of the present application are used to distinguish different objects, rather than to describe a specific order. In addition, the terms "comprise" and "have" and any variations thereof are intended to cover non-exclusive inclusion. For example, a process, method, system, product or device that comprises a series of steps or units is not limited to the listed steps or units, but optionally further comprises steps or units not listed, or optionally further comprises other steps or units inherent to these processes, methods, products or devices. The mention of "embodiment" in this application means that a specific feature, structure or characteristic described in connection with the embodiment can be included in at least one embodiment of the present application. The display of this phrase at various positions in the description does not necessarily refer to the same embodiment, nor is it an independent or alternative embodiment mutually exclusive with other embodiments. Those skilled in the art will explicitly and implicitly understand that the embodiments described herein can be combined with other embodiments. The term "and / or" used in the description and claims of the present application refers to any combination and all possible combinations of one or more of the associated listed items, and includes these combinations.

[0246] Those of ordinary skill in the art can realize that the units and algorithm steps of the examples described in connection with the embodiments disclosed herein can be implemented by electronic hardware, computer software, or a combination of both. To clearly illustrate the interchangeability of hardware and software, the composition and steps of the examples have been generally described according to functions in the above description. Those skilled in the art can use different methods for each specific application to implement the described functions, but such implementation should not be considered to exceed the scope of the present application.

[0247] The above-disclosed are only the preferred embodiments of the present application, and of course cannot be used to limit the scope of rights of the present application. Therefore, equivalent changes made according to the claims of the present application still fall within the scope covered by the present application.

Claims

1. A resource conversion method, characterized in that, The method includes: Obtaining a first resource conversion request corresponding to a first resource conversion channel through a first resource conversion platform; Determining the request time corresponding to the first resource conversion request; If the request time corresponding to the first resource conversion request does not belong to the operating time of the first resource conversion channel on the current date, generating a second resource conversion request corresponding to a second resource conversion channel based on the first resource conversion request, where the request time of the second resource conversion request belongs to the operating time of the second resource conversion channel, and executing the second resource conversion request through the second resource conversion channel; executing the first resource conversion request during the operating time of the next date of the current date of the first resource conversion channel; executing the reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel; If the request time corresponding to the first resource conversion request belongs to the operating time of the first resource conversion channel on the current date, processing the first resource conversion request through the first resource conversion channel; The executing the reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel includes: On the settlement date of the reverse resource conversion request, executing the reverse resource conversion request through the second resource conversion channel; Wherein, the settlement dates of the second resource conversion request and the reverse resource conversion request are the same, and the settlement date of the second resource conversion request is later than the settlement date of the first resource conversion request.

2. The method according to claim 1, wherein The executing the second resource conversion request through the second resource conversion channel includes: Sending the second resource conversion request to a resource conversion front-end device corresponding to the second resource conversion channel, so as to send the second resource conversion request to a second resource conversion platform corresponding to the second resource conversion channel through the resource conversion front-end device.

3. The method according to claim 1 or 2, characterized in that, The legal tender corresponding to the first resource conversion channel and the second resource conversion channel is different.

4. A resource conversion device, characterized in that, The apparatus includes: A resource conversion request acquisition module, configured to obtain a first resource conversion request corresponding to a first resource conversion channel through a first resource conversion platform; A time determination module, configured to determine the request time corresponding to the first resource conversion request; A first processing module, configured to, if the request time corresponding to the first resource conversion request does not belong to the operating time of the first resource conversion channel on the current date, generate a second resource conversion request corresponding to a second resource conversion channel based on the first resource conversion request, where the request time of the second resource conversion request belongs to the operating time of the second resource conversion channel, and execute the second resource conversion request through the second resource conversion channel; The first processing module includes: A first processing unit, configured to execute the first resource conversion request during the operating time of the next date of the current date of the first resource conversion channel; A second processing unit, configured to execute a reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel; the execution of the reverse resource conversion request corresponding to the second resource conversion request through the second resource conversion channel includes: on the settlement date of the reverse resource conversion request, executing the reverse resource conversion request through the second resource conversion channel; wherein, the settlement dates of the second resource conversion request and the reverse resource conversion request are the same, and the settlement date of the second resource conversion request is later than the settlement date of the first resource conversion request; A second processing module, configured to, if the request time corresponding to the first resource conversion request belongs to the operating time of the current date of the first resource conversion channel, process the first resource conversion request through the first resource conversion channel.

5. The device according to claim 4, characterized in that, When the first processing module is configured to execute the second resource conversion request through the second resource conversion channel, it is specifically configured to: Send the second resource conversion request to a resource conversion front-end device corresponding to the second resource conversion channel, so as to send the second resource conversion request to a second resource conversion platform corresponding to the second resource conversion channel through the resource conversion front-end device.

6. The device according to claim 4, characterized in that, The legal tender currencies corresponding to the first resource conversion channel and the second resource conversion channel are different.

7. A resource conversion system, characterized in that, The system includes a first resource conversion channel, a first resource conversion platform, a first resource conversion front-end device, a second resource conversion front-end device, a second resource conversion platform, and a second resource conversion channel. Among them, the first resource conversion channel is communicatively connected to the first resource conversion platform through the first resource conversion front-end device, 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 communicatively connected to the second resource conversion platform through the second resource conversion front-end device, and the second resource conversion channel is communicatively connected to the second resource conversion platform; The first resource conversion platform is configured to obtain a first resource conversion request corresponding to the first resource conversion channel, determine the request time corresponding to the first resource conversion request, and generate a second resource conversion request and send it to the second resource conversion front-end device when the request time corresponding to the first resource conversion request does not belong to the operating time of the current date of the first resource conversion channel, where 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; The second resource conversion front-end device is configured to send the second resource conversion request to the second resource conversion platform when receiving the second resource conversion request; 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 used to execute the first resource conversion request during the operating hours of the next date of the current date of the first resource conversion channel; The second resource conversion channel is used to execute the reverse resource conversion request corresponding to the second resource conversion request; when the second resource conversion channel executes the reverse resource conversion request corresponding to the second resource conversion request, specifically: execute the reverse resource conversion request on the settlement date of the reverse resource conversion request; wherein, the settlement dates of the second resource conversion request and the reverse resource conversion request are the same, and the settlement date of the second resource conversion request is later than the settlement date of the first resource conversion request; The first resource conversion pre-device is used to send the first resource conversion request to the first resource conversion channel if the request time corresponding to the first resource conversion request belongs to the operating hours of the current date of the first resource conversion channel; the first resource conversion channel is used to process the received first resource conversion request.

8. The system according to claim 7, wherein The legal tender corresponding to the first resource conversion channel and the second resource conversion channel is different.

9. An electronic device, characterized in that, It includes a processor and a memory, and the processor and the memory are connected to each other; The memory is used to store computer programs; The processor is configured to execute the method according to any one of claims 1 to 3 when calling the computer program.

10. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program, and the computer program is executed by the processor to implement the method according to any one of claims 1 to 3.

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