Method, device and system for exposure transfer among different levels of banking institutions

Abstract

The present invention provides a method, apparatus and system for exposure transfer among different levels of banking institutions, which relates to the field of financial technology. The method includes: asynchronously receiving transaction data generated when a customer conducts financial market business transactions; querying and obtaining corresponding exposure transfer parameters from an exposure parameter management unit according to the transaction data; and processing exposure transfer step by step from a lower level to a higher level according to the exposure transfer parameters. By independently storing the exposure transfer parameters in the exposure parameter management unit, this application decouples customer transactions from exposure transfer, and at the same time can more flexibly and effectively process exposure transfer among different levels of banking institutions, thereby effectively reducing the risk of losses caused by the generation of open positions in branches during foreign exchange transactions. In addition, the parameterized configuration can support more new businesses involving exposure transfer processing, such as foreign exchange, to be more conveniently connected to this system, with high scalability and better meeting the expansion needs of banking business.

Description

Technical Field

[0001] The present invention relates to the field of financial technologies, and in particular, to a method, device, and system for exposure transfer among various levels of banking institutions. Background Art

[0002] In a bank trading system, for settlement transactions in different financial market operations such as foreign exchange sales and purchases, foreign exchange trading, and account precious metals, when a customer conducts a transaction, corresponding exposures will be generated at the branch where the transaction takes place. If the branch fails to promptly square off (i.e., transfer the exposure) in a timely manner, it will result in an excessive long or short exposure position of a certain currency at the branch, thus causing unnecessary risk losses to the bank itself. The applicant has found that there are at least the following problems in the exposure transfer processing in the existing system: high coupling degree, the exposure transfer processing is coupled in the customer's transaction process, and the boundary between customer business transactions and branch exposure transfer is not clear; poor scalability, the exposure transfer process is only controlled by parameters such as the bank level and the square-off mode, and the process control of processes such as splitting the exposure is controlled by the system according to business requirements, with inflexible process control and poor system maintainability. Due to the complexity of financial market operations, involving transactions in multiple foreign currencies, with the expansion of business, the system will inevitably generate redundant exposure processing logics, resulting in an increasingly bloated and complex trading system. Summary of the Invention

[0003] In view of this, the present invention provides a method, device, and system for exposure transfer among various levels of banking institutions to solve at least one of the above-mentioned problems.

[0004] To achieve the above object, the present invention adopts the following solutions:

[0005] According to a first aspect of the present invention, there is provided a method for exposure transfer among various levels of banking institutions, the method comprising: asynchronously receiving transaction data generated when a customer conducts a financial market operation transaction; querying and obtaining corresponding exposure transfer parameters from an exposure parameter management unit according to the transaction data; and processing exposure transfer step by step from a lower level to a higher level according to the exposure transfer parameters.

[0006] According to a second aspect of the present invention, there is provided a system for exposure transfer among various levels of banking institutions, the system comprising: a transaction data receiving unit, an exposure transfer unit, and an exposure parameter management unit, wherein the exposure transfer unit is respectively connected to the transaction data receiving unit and the exposure parameter management unit. The transaction data receiving unit is configured to asynchronously receive transaction data generated when a customer conducts a financial market operation transaction. The exposure parameter management unit is configured to store exposure transfer parameters corresponding to the transaction data. The exposure transfer unit is configured to query and obtain corresponding exposure transfer parameters from the exposure parameter management unit according to the transaction data received by the transaction data receiving unit, and process exposure transfer step by step from a lower level to a higher level according to the exposure transfer parameters.

[0007] According to a third aspect of the present invention, there is provided an electronic device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein when the processor executes the computer program, the steps of the above method are implemented.

[0008] According to a fourth aspect of the present invention, there is provided a computer-readable storage medium, on which a computer program is stored, and when the computer program is executed by a processor, the steps of the above method are implemented.

[0009] According to a fifth aspect of the present invention, there is provided a computer program product, including a computer program / instructions, and when the computer program / instructions are executed by a processor, the steps of the above method are implemented.

[0010] As can be seen from the above technical solutions, in this application, by independently storing the open position transfer parameters in the open position parameter management unit, the decoupling of customer transactions and open position transfer is achieved, and at the same time, the open position transfer among various levels of bank institutions can be processed more flexibly and effectively, thereby effectively reducing the risk of losses caused by the generation of open position in the branch during the foreign exchange transaction process. In addition, the parameterized configuration can support more new businesses involving open position transfer processing, such as foreign exchange, to be more conveniently connected to this system, with high scalability and better meeting the expansion needs of banking business. BRIEF DESCRIPTION OF THE DRAWINGS

[0011] In order to more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the following will briefly introduce the drawings required for the description of the embodiments or the prior art. Obviously, the following drawings are only some embodiments of the present invention. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative efforts. In the drawings:

[0012] Figure 1 is a schematic flowchart of a method for open position transfer among various levels of bank institutions provided by an embodiment of the present application;

[0013] Figure 2 is a schematic flowchart of a method for open position transfer among various levels of bank institutions provided by another embodiment of the present application;

[0014] Figure 3 is a schematic structural diagram of a system for open position transfer among various levels of bank institutions provided by an embodiment of the present application;

[0015] Figure 4 is a schematic structural diagram of a system for open position transfer among various levels of bank institutions provided by another embodiment of the present application;

[0016] Figure 5It is a schematic diagram of the transfer and processing process of open data among various levels of institutions within a bank;

[0017] Figure 6 It is a schematic diagram of the structure of an electronic device provided by an embodiment of the present application. Specific embodiments

[0018] To make the objectives, technical solutions, and advantages of the embodiments of the present invention clearer and more understandable, the following further details the embodiments of the present invention with reference to the accompanying drawings. Here, the illustrative embodiments of the present invention and their descriptions are used to explain the present invention, but not to limit the present invention.

[0019] In the technical solutions of the present application, the acquisition, storage, use, processing, etc. of data all comply with the relevant regulations of national laws and regulations. The user information in the embodiments of the present application is all obtained through legal and compliant channels, and the acquisition, storage, use, processing, etc. of the user information have obtained the authorization and consent of the customers.

[0020] The following first briefly introduces the professional terms involved in the present application:

[0021] The term "position": The amount of money held.

[0022] The term "long position": Refers to the situation where too much of a certain currency has been bought (long position) due to failure to cover in time.

[0023] The term "short position": Refers to the situation where too much of a certain currency has been sold (short position) due to failure to cover in time.

[0024] The term "open position": The act of buying one currency and selling another currency at the same time.

[0025] The term "closing position": The act of a lower-level bank closing the position with a higher-level bank, that is, the transfer of the open position.

[0026] The term "breaking down the position": When the higher-level bank cannot directly receive the currency pair open position transferred from the lower-level bank, it is necessary to break it down into currency pairs that the higher-level bank can receive, and then close the position.

[0027] The term "foreign exchange position squaring": Refers to the transaction of buying or selling positions with the counterparty according to the limit management of foreign exchange positions and one's own risk management needs for foreign exchange positions.

[0028] Such as Figure 1 As shown, it is a schematic diagram of the process of a method for open position transfer among various levels of institutions in a bank provided by an embodiment of the present application. The method includes the following steps:

[0029] Step S101: Asynchronously receive the transaction data generated when a customer conducts financial market business transactions.

[0030] In this embodiment, the transaction data may include: customer transaction area, branch, amount, currency, mid-price, product code, etc. Logically, this step may be implemented by setting up a transaction data receiving unit.

[0031] Step S102: Query and obtain corresponding exposure transfer parameters from the exposure parameter management unit according to the transaction data.

[0032] The parameter management unit is used to store and maintain exposure transfer data. The exposure transfer data therein is pre-set. Business personnel can query and maintain exposure transfer parameters through this unit, and the stored exposure transfer parameters are called in subsequent steps.

[0033] Through the setting of the exposure parameter management unit, flexible processing of exposures among various levels of institutions within the bank can be achieved. For example, if a new currency pair needs to be added to the business or the exposure transfer parameters of a certain currency in stock need to be adjusted, business personnel only need to pre-maintain the relevant exposure transfer parameters in the parameter management unit through the business parameter management platform. Then, the exposure transfer unit for processing exposure transfer will obtain new parameters from the exposure parameter management unit and automatically perform exposure transfer processing among various levels of institutions.

[0034] Step S103: Process exposure transfer step by step from low level to high level according to the exposure transfer parameters.

[0035] Logically, the above steps S102 and S103 can be implemented by the exposure transfer unit. It can first complete the exposure flat position of the current bank according to the obtained exposure transfer parameters, then complete the exposure flat position of the higher-level bank step by step upward, and finally complete the flat position of the head office.

[0036] It can be seen from the above technical solutions that in this application, by storing the exposure transfer parameters independently in the exposure parameter management unit, the decoupling of customer transactions and exposure transfer is realized. At the same time, the exposure transfer among various levels of institutions in the bank can be processed more flexibly and effectively, thus effectively reducing the risk of losses caused by exposure positions generated at the branch during foreign exchange transactions. In addition, the parameterized configuration can support more new businesses involving exposure transfer processing, such as foreign exchange, to be more conveniently connected to this system, with high scalability and better meeting the expansion needs of banking business.

[0037] Such as Figure 2 shown is a flowchart of a method for exposure transfer among various levels of institutions in a bank provided by another embodiment of this application. The method includes the following steps:

[0038] Step S201: Asynchronously receive transaction data generated when a customer conducts financial market business transactions. In this embodiment, the transaction data may include: customer transaction area, branch, amount, currency, mid-price, product code, etc.

[0039] Step S202: Query the exposure relationship table of the parameter management unit according to the product code in the transaction data, obtain the corresponding exposure transfer ID, and obtain the exposure transfer parameters according to the exposure transfer ID.

[0040] In this embodiment, the parameter management unit may store a product exposure relationship table, exposure transfer parameters, and exposure split parameters, where: the product exposure relationship table mainly maintains the relationship between products and exposure transfer and exposure split; the exposure transfer parameters mainly maintain exposure transfer parameter information, which is used for verification processing of parameters such as whether to split positions, whether the network shares profits, etc. when the lower-level bank settles positions with the upper-level bank for warehousing and outwarehousing, so that the subsequent exposure transfer unit can perform corresponding split position, network profit sharing, etc. processing according to relevant parameters; the exposure split parameters mainly maintain exposure split parameter information, including split calculation parameters such as cost source, operation relationship, rounding method, etc., which are used to calculate exposure amount information of new currency pairs generated after splitting positions during split position processing, etc., so as to continue with subsequent settlement processing.

[0041] Step S203: Judge whether position splitting is required according to the exposure transfer parameters. If not, directly enter Step S205; if so, enter Step S204.

[0042] Step S204: Obtain the split position parameters from the exposure parameter management unit, perform split position processing according to the split position parameters, and then enter Step S205.

[0043] Specifically, the settlement information after splitting positions can be calculated according to the split position parameters and by calling the pricing module. For example, according to the exposure split parameters obtained from the exposure parameter unit, the pricing module is further called to calculate the settlement transaction information such as the transaction amount of the new currency pair in combination with current amount, currency pair mid-price, etc. after splitting positions.

[0044] Step S205: Perform warehousing processing on the transaction exposure corresponding to the transaction data.

[0045] Preferably, in this embodiment, after performing warehousing processing on the transaction exposure corresponding to the transaction data, the warehousing record can also be stored in the exposure transfer database, and the end-of-day accounting settlement is completed by the end-of-day batch according to the exposure transfer data, thereby realizing a business closed-loop.

[0046] Step S206: Judge whether position splitting is required according to the exposure transfer parameters. If not, directly enter Step S208; if so, enter Step S207.

[0047] Step S207: Obtain the split position parameters from the exposure parameter management unit, perform split position processing according to the split position parameters, and then enter Step S208. This step is the same as the above Step S204 and will not be elaborated here.

[0048] Step S208: Close out the trading exposure corresponding to the said trading data.

[0049] Preferably, after closing out the trading exposure corresponding to the said trading data in this step S208, the closing-out record can also be stored in the exposure transfer database, and the end-of-day accounting settlement can be completed based on the exposure transfer data by the end-of-day batch process, thereby realizing a business closed-loop.

[0050] Preferably, while closing out the trading exposure in this step S208, it can also be determined whether branch profit sharing processing is required according to the said exposure transfer parameters. If so, the pricing module is called to calculate the branch profit and loss and perform branch profit sharing processing to obtain the profit sharing information, and the said profit sharing information is stored in the exposure transfer database, and the relevant accounting is processed by the end-of-day batch process.

[0051] Step S209: Determine whether it is necessary to continue to square positions with the superior bank. If so, obtain the exposure transfer parameter information of the superior bank through the exposure parameter management unit and continue to execute the above step S203 at the superior bank level. If not, end the exposure transfer.

[0052] As can be seen from the above technical solution, in this application, by storing the exposure transfer parameters independently in the exposure parameter management unit, the decoupling of customer transactions and exposure transfer is realized, and at the same time, the exposure transfer among different levels of bank institutions can be processed more flexibly and effectively, thereby effectively reducing the risk of losses caused by the generation of open positions at the branch level during foreign exchange transactions. In addition, the parameterized configuration can support more new businesses involving exposure transfer processing, such as foreign exchange, to be more conveniently connected to this system, with high scalability and better meeting the expansion needs of banking business.

[0053] As Figure 3 shown is a schematic structural diagram of an exposure transfer system among different levels of bank institutions provided by an embodiment of this application. The system includes: a trading data receiving unit 310, an exposure transfer unit 320, and an exposure parameter management unit 330, wherein the exposure transfer unit 320 is respectively connected to the trading data receiving unit 310 and the exposure parameter management unit 330.

[0054] The trading data receiving unit 310 is used to asynchronously receive the trading data generated when customers conduct financial market business transactions. In this embodiment, the trading data may include: customer trading region, branch, amount, currency, mid-price, product code, etc.

[0055] The open position parameter management unit 330 is used to store the open position transfer parameters corresponding to the transaction data. These open position transfer parameters are pre-set, and business personnel can query and maintain the open position transfer parameters through this unit for subsequent steps to call. Through the setting of the open position parameter management unit 330, flexible processing of open positions among various levels of institutions within the bank can be achieved.

[0056] The open position transfer unit 320 is used to query and obtain the corresponding open position transfer parameters from the open position parameter management unit 330 according to the transaction data received by the transaction data receiving unit 310, and process the open position transfer step by step from low level to high level according to the open position transfer parameters.

[0057] In the open position transfer system among various levels of institutions of the bank in this application, by storing the open position transfer parameters independently in the open position parameter management unit, the decoupling of customer transactions and open position transfer is achieved. At the same time, the open position transfer among various levels of institutions of the bank can be processed more flexibly and effectively, thereby effectively reducing the risk of losses caused by the generation of open position exposures in the branch during foreign exchange transactions. In addition, the parameterized configuration can support the more convenient access of more new businesses involving open position transfer processing such as foreign exchange to this system, with high scalability and better meeting the expansion needs of banking business.

[0058] As Figure 4 shown in the structural schematic diagram of an open position transfer system among various levels of institutions of the bank provided by another embodiment of this application, the system includes: a transaction data receiving unit 410, an open position transfer unit 420, and an open position parameter management unit 430. The open position transfer unit 420 is respectively connected to the transaction data receiving unit 410 and the open position parameter management unit 430. The open position transfer unit 420 further includes a parameter acquisition module 421, a first judgment module 422, a second judgment module 423, a third judgment module 424, a warehousing module 425, a warehousing-out module 426, a pricing module 427, and a position-splitting module 428.

[0059] The transaction data receiving unit 410 is used to asynchronously receive the transaction data generated when a customer conducts financial market business transactions.

[0060] In the open position parameter management unit 430, a product open position relationship table, open position transfer parameters, and open position splitting parameters can be stored, where: The product open position relationship table mainly maintains the relationships between products and open position transfer and open position splitting; the open position transfer parameters mainly maintain open position transfer parameter information, which is used for verifying parameters such as whether to split positions during warehousing and outwarehousing, and whether to distribute profits to branches when the lower-level bank levels off with the upper-level bank, so that the subsequent open position transfer unit can perform corresponding position splitting, branch profit distribution, etc. based on the relevant parameters; the open position splitting parameters mainly maintain open position splitting parameter information, including cost sources, arithmetic relationships, rounding methods, and other position splitting calculation parameters, which are used to calculate open position amounts of new currency pairs generated after position splitting during position splitting, etc., for subsequent leveling off processing.

[0061] The parameter acquisition module 421 is used to query the open position relationship table of the open position parameter management unit 430 according to the product code in the transaction data, obtain the corresponding open position transfer ID, and obtain the open position transfer parameters according to the open position transfer ID.

[0062] The first judgment module 422 is used to judge whether position splitting is required according to the above open position transfer parameters before warehousing.

[0063] The second judgment module 423 is used to judge whether position splitting is required according to the above open position transfer parameters before outwarehousing.

[0064] The position splitting module 428 is used to, when the first judgment module 422 or the second judgment module 423 judges that position splitting is required, obtain the position splitting parameters from the open position parameter management unit 430 and perform position splitting processing according to the position splitting parameters. Specifically, it calculates the leveling off information after position splitting according to the position splitting parameters and by calling the price calculation module 427.

[0065] The warehousing module 425 is used to, when the first judgment module 422 judges that position splitting is not required, or after the position splitting module 428 executes the position splitting operation, perform warehousing processing on the transaction open position corresponding to the transaction data and store the warehousing record in the open position transfer database.

[0066] The outwarehousing module 426 is used to, when the second judgment module 423 judges that position splitting is not required, or after the position splitting module 428 executes the position splitting operation, perform outwarehousing processing on the transaction open position corresponding to the transaction data and store the outwarehousing record in the open position transfer database. Preferably, the outwarehousing module can also judge whether branch profit distribution processing is required according to the open position transfer parameters. If required, it calls the price calculation module to calculate branch profit and loss and perform branch profit distribution processing to obtain profit distribution information, and stores the profit distribution information in the open position transfer database.

[0067] The third judgment module 424 is used to determine whether to continue to square positions with the superior bank after the outwarehousing module completes outwarehousing. If so, the above steps are continued at the superior bank level. If not, the exposure transfer is ended.

[0068] In the exposure transfer system among different levels of institutions of the bank in this application, by storing exposure transfer parameters independently in the exposure parameter management unit, the decoupling of customer transactions and exposure transfer is realized. At the same time, the exposure transfer among different levels of institutions of the bank can be processed more flexibly and effectively, thereby effectively reducing the risk of losses caused by the emergence of exposure positions at the branch level during foreign exchange transactions. In addition, the parameterized configuration can support more new businesses involving exposure transfer processing, such as foreign exchange, to be more conveniently connected to this system, with high scalability and better meeting the expansion needs of banking business.

[0069] The above method will be further described in detail through a specific embodiment as follows. Figure 5 As shown in the schematic diagram of the exposure data transfer and processing process among different levels of institutions within the bank, this embodiment takes the customer transaction currency pair as "currency A / currency B" as an example. Figure 5 It can be seen that after a customer generates a transaction, the transaction data such as the transaction institution and transaction amount flow into the exposure transfer unit through the transaction data receiving unit. In the exposure transfer unit, the exposure information is first squared at the secondary bank. Since no split operation is required, after obtaining the parameters through the exposure parameter management unit for judgment, the warehousing module and the outwarehousing module are directly called in sequence to complete the transfer of the exposure information of the currency pair "currency A / currency B" at the secondary bank. At the same time, when outwarehousing, the parameter information of the inflowing primary bank is obtained through the exposure parameter management unit, and the exposure parameters flowing into the primary bank are calculated through the pricing module. Since no split operation is required for the primary bank to warehouse at this time, the warehousing module directly processes the exposure information of the currency pair "currency A / currency B" of the primary bank; then when the primary bank outwares, it can be known through the parameter judgment obtained through the exposure parameter management unit that split operation is required when squaring positions to the head office, so before outwarehousing, it is first split into currency pairs "currency A / currency C" and "currency C / currency B" through the split module and the pricing module and outwarehoused respectively. After the primary bank splits and outwares, the new exposure information of the currency pair flows to the head office and is split again respectively and then the warehousing is completed. Finally, the head office summarizes through the exposure position management system and then manages the exposure positions.

[0070] From the hardware level, in order to realize the decoupling of customer transactions and exposure transfer, and at the same time can process the exposure transfer among different levels of institutions of the bank more flexibly and effectively, this application provides an embodiment of an electronic device for implementing all or part of the content in the method for exposure transfer among different levels of institutions of the bank. The electronic device specifically includes the following content:

[0071] A processor, a memory, a communications interface, and a bus; wherein, the processor, the memory, and the communications interface complete communication with each other through the bus; the communications interface is used to implement information transmission between the exposure transfer system among different levels of institutions in the bank and related devices such as the core business system, user terminals, and related databases; the logic controller can be a desktop computer, a tablet computer, a mobile terminal, etc., and this embodiment is not limited thereto. In this embodiment, the logic controller can be implemented with reference to the embodiments of the exposure transfer method among different levels of institutions in the bank and the embodiments of the exposure transfer system among different levels of institutions in the bank, the content of which is incorporated herein, and the repeated parts will not be elaborated again.

[0072] It can be understood that the user terminal can include a smart phone, a tablet electronic device, a network set-top box, a portable computer, a desktop computer, a personal digital assistant (PDA), a vehicle-mounted device, a smart wearable device, etc. Among them, the smart wearable device can include smart glasses, a smart watch, a smart bracelet, etc.

[0073] In practical applications, part of the exposure transfer method among different levels of institutions in the bank can be executed on the side of the electronic device as described above, or all operations can be completed in the client device or the server device. Specifically, it can be selected according to the processing capabilities of the client device or the server device, as well as the limitations of the user usage scenario, etc. This application does not make any limitations in this regard. If all operations are completed in the client device or the server device, the client device or the server device may further include a processor.

[0074] The above-mentioned client device or server device may have a communication module (i.e., a communication unit), and can be communicatively connected to a remote server or client to achieve data transmission. The server may include a server on the side of the task scheduling center, and in other implementation scenarios, it may also include a server of an intermediate platform, such as a server of a third-party server platform communicatively linked to the task scheduling center server. The server may include a single computer device, or may include a server cluster composed of multiple servers, or a server structure of a distributed device.

[0075] Figure 6 It is a schematic block diagram of the system composition of the electronic device 1100 provided in another embodiment of the present invention. As Figure 6 shown, the electronic device 1100 may include a central processing unit 1110 and a memory 1120; the memory 1120 is coupled to the central processing unit 1110. It should be noted that this Figure 6is exemplary; other types of structures can also be used to supplement or replace this structure to achieve telecommunications functions or other functions.

[0076] In one embodiment, the function of the exposure transfer method between different levels of bank institutions can be integrated into the central processing unit 1110. Among them, the central processing unit 1110 can be configured to perform the following controls:

[0077] Step S101: Asynchronously receive the transaction data generated when a customer conducts a financial market business transaction.

[0078] Step S102: Query and obtain the corresponding exposure transfer parameters from the exposure parameter management unit according to the transaction data.

[0079] Step S103: Process the exposure transfer step by step from low level to high level according to the exposure transfer parameters.

[0080] As can be seen from the above description, the electronic device provided by the embodiment of the present invention realizes the decoupling of customer transactions and exposure transfer by independently storing the exposure transfer parameters in the exposure parameter management unit. At the same time, it can process the exposure transfer between different levels of bank institutions more flexibly and effectively, thereby effectively reducing the risk of losses caused by the generation of exposure positions in the branch during foreign exchange transactions. In addition, the parameterized configuration can support more new businesses involving exposure transfer processing, such as foreign exchange, to be more conveniently connected to this system, with high scalability and better meeting the expansion needs of banking business.

[0081] In another embodiment, the exposure transfer system can be separately configured from the central processing unit 1110. For example, the exposure transfer system can be configured as a chip connected to the central processing unit 1110, and the above exposure transfer method function is realized through the control of the central processing unit.

[0082] As Figure 6 shown, the electronic device 1100 may further include: a communication module 1130, an input unit 1140, an audio processor 1150, a display 1160, and a power supply 1170. It should be noted that the electronic device 1100 does not necessarily have to include Figure 6 all the components shown in Figure 6 ; in addition, the electronic device 1100 may further include

[0083] components not shown in Figure 6 ; reference can be made to the prior art.

[0084] Among them, the memory 1120 can be, for example, one or more of a buffer, a flash memory, a hard drive, a removable medium, a volatile memory, a non-volatile memory, or other suitable devices. It can store information related to the above-mentioned open transfer method, and can also store programs for executing relevant information. And the central processing unit 1110 can execute the program stored in the memory 1120 to realize information storage or processing, etc.

[0085] The input unit 1140 provides input to the central processing unit 1110. The input unit 1140 is, for example, a key or a touch input device. The power supply 1170 is used to supply power to the electronic device 1100. The display 1160 is used to display display objects such as images and texts. The display can be, for example, an LCD display, but is not limited thereto.

[0086] The memory 1120 can be a solid-state memory. For example, a read-only memory (ROM), a random access memory (RAM), a SIM card, etc. It can also be a memory that stores information even when powered off, can be selectively erased and has more data. An example of this memory is sometimes referred to as an EPROM, etc. The memory 1120 can also be some other type of device. The memory 1120 includes a buffer memory 1121 (sometimes referred to as a buffer). The memory 1120 can include an application / function storage unit 1122, which is used to store application programs and function programs or the processes for operating the electronic device 1100 through the central processing unit 1110.

[0087] The memory 1120 can also include a data storage unit 1123, which is used to store data, such as contacts, digital data, pictures, sounds, and / or any other data used by the electronic device. The driver storage unit 1124 of the memory 1120 can include various drivers of the electronic device for communication functions and / or for executing other functions of the electronic device (such as a messaging application, an address book application, etc.).

[0088] The communication module 1130 is a transmitter / receiver 1130 that transmits and receives signals via the antenna 1131. The communication module (transmitter / receiver) 1130 is coupled to the central processing unit 1110 to provide input signals and receive output signals, which can be the same as in the case of a conventional mobile communication terminal.

[0089] Based on different communication technologies, in the same electronic device, multiple communication modules 1130 can be provided, such as a cellular network module, a Bluetooth module, and / or a wireless local area network module, etc. The communication module (transmitter / receiver) 1130 is also coupled to a speaker 1151 and a microphone 1152 via an audio processor 1150 to provide an audio output via the speaker 1151 and receive an audio input from the microphone 1152, so as to implement normal telecommunication functions. The audio processor 1150 may include any suitable buffers, decoders, amplifiers, etc. Additionally, the audio processor 1150 is also coupled to a central processor 1110, enabling recording on the device through the microphone 1152 and playing the sounds stored on the device through the speaker 1151.

[0090] Embodiments of the present application also provide a computer-readable storage medium capable of implementing all steps in the method for open position transfer among various levels of banking institutions where the execution subject in the above embodiments is a server or a client. A computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, all steps in the method for open position transfer among various levels of banking institutions where the execution subject in the above embodiments is a server or a client are implemented. For example, when the processor executes the computer program, the following steps are implemented:

[0091] Step S101: Asynchronously receive the transaction data generated when a customer conducts financial market business transactions.

[0092] Step S102: Query and obtain the corresponding open position transfer parameters from the open position parameter management unit according to the transaction data.

[0093] Step S103: Process the open position transfer step by step from low level to high level according to the open position transfer parameters.

[0094] As can be seen from the above description, the computer-readable storage medium provided by the embodiments of the present application realizes the decoupling of customer transactions and open position transfer by independently storing the open position transfer parameters in the open position parameter management unit. At the same time, it can more flexibly and effectively process the open position transfer among various levels of banking institutions, thereby effectively reducing the risk of losses caused by the generation of open position in the branch during foreign exchange transactions. Additionally, the parameterized configuration can support more new businesses involving open position transfer processing, such as foreign exchange, to be more conveniently connected to this system, with high scalability and better meeting the expansion needs of banking business.

[0095] An embodiment of the present application further provides a computer program product that can implement all steps of the method for the exposure transfer among various levels of banking institutions where the execution entity in the above embodiments is a server or a client. When the computer program / instructions are executed by a processor, the steps of the method for the exposure transfer among various levels of banking institutions are implemented. For example, the computer program / instructions implement the following steps:

[0096] Step S101: Asynchronously receive the transaction data generated when a customer conducts a financial market business transaction.

[0097] Step S102: Query and obtain the corresponding exposure transfer parameters from the exposure parameter management unit according to the transaction data.

[0098] Step S103: Process the exposure transfer step by step from low level to high level according to the exposure transfer parameters.

[0099] As can be seen from the above description, the computer program product provided by the embodiment of the present application realizes the decoupling of customer transactions and exposure transfer by independently storing the exposure transfer parameters in the exposure parameter management unit. At the same time, it can process the exposure transfer among various levels of banking institutions more flexibly and effectively, thereby effectively reducing the risk of losses caused by the generation of open positions at the branch level during foreign exchange transactions. In addition, the parameterized configuration can support more new businesses involving exposure transfer processing, such as foreign exchange, to be more conveniently connected to this system, with high scalability and better meeting the expansion needs of banking services.

[0100] In the description of this specification, the descriptions referring to terms such as "one embodiment", "a specific embodiment", "some embodiments", "for example", "example", "specific example", or "some examples" mean that the specific features, structures, materials, or characteristics described in connection with the embodiment or example are included in at least one embodiment or example of the present invention. In this specification, the schematic representations of the above terms do not necessarily refer to the same embodiment or example. Moreover, the specific features, structures, materials, or characteristics described can be combined in any one or more embodiments or examples in a suitable manner. The order of steps involved in each embodiment is used to schematically illustrate the implementation of the present invention, and the order of steps is not limited and can be adjusted appropriately as needed.

[0101] Those skilled in the art should understand that the embodiments of the present invention can be provided as a method, a system, or a computer program product. Therefore, the present invention can take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present invention can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that contain computer-usable program code.

[0102] The present invention is described with reference to the flowcharts and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the present invention. It should be understood that each flow and / or block in the flowcharts and / or block diagrams, and combinations of flows and / or blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, such that the instructions executed by the processor of the computer or other programmable data processing device generate means for implementing the functions specified in one flow Figure 1 one flow or multiple flows and / or blocks Figure 1 or multiple blocks.

[0103] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to work in a specific manner, such that the instructions stored in the computer-readable memory produce a manufactured article including instruction means that implement the functions specified in one flow Figure 1 one flow or multiple flows and / or blocks Figure 1 or multiple blocks.

[0104] These computer program instructions can also be loaded onto a computer or other programmable data processing device, such that a series of operation steps are executed on the computer or other programmable device to produce a computer-implemented process, so that the instructions executed on the computer or other programmable device provide steps for implementing the functions specified in one flow Figure 1 one flow or multiple flows and / or blocks Figure 1 or multiple blocks.

[0105] The specific embodiments described above further elaborate on the purpose, technical solution, and beneficial effects of the present invention. It should be understood that the above are only specific embodiments of the present invention and are not used to limit the protection scope of the present invention. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A method for the transfer of exposure among different levels of banking institutions, characterized in that, The method includes: Asynchronously receiving transaction data generated when a customer conducts a financial market business transaction; Querying and obtaining corresponding exposure transfer parameters from the exposure parameter management unit according to the transaction data; Processing exposure transfer step by step from low level to high level according to the exposure transfer parameters; Wherein, the parameter management unit stores a product exposure relationship table, exposure transfer parameters, and exposure splitting parameters, and the querying and obtaining of corresponding exposure transfer parameters from the exposure parameter management unit according to the transaction data further includes: Querying the product exposure relationship table according to the product code in the transaction data to obtain the corresponding exposure transfer ID; Obtaining the exposure transfer parameters according to the exposure transfer ID; Wherein, the processing of exposure transfer step by step from low level to high level according to the exposure transfer parameters includes: Judging whether splitting is required according to the exposure transfer parameters. If not, directly enter the warehousing process. If so, obtain the splitting parameters from the exposure parameter management unit, perform splitting processing according to the splitting parameters, and then enter the warehousing process; Performing warehousing processing on the transaction exposure corresponding to the transaction data; Continuing to judge whether splitting is required according to the exposure transfer parameters. If not, directly enter the outwarehousing process. If so, obtain the splitting parameters from the exposure parameter management unit, perform splitting processing according to the splitting parameters, and then enter the outwarehousing process; Performing outwarehousing processing on the transaction exposure corresponding to the transaction data; Judging whether it is necessary to continue to square positions with the superior bank. If so, obtain the exposure transfer parameter information of the superior bank through the exposure parameter management unit and repeat the above steps at the superior bank level. If not, end the exposure transfer.

2. The method for the exposure transfer among different levels of institutions of a bank according to claim 1, wherein The performing of splitting processing according to the splitting parameters includes: Calculating the squared position information after splitting according to the splitting parameters and calling the pricing module.

3. The method for exposure transfer among different levels of bank institutions according to claim 2, wherein The performing of warehousing processing on the transaction exposure corresponding to the transaction data includes: performing warehousing processing on the transaction exposure corresponding to the transaction data and storing the warehousing record in the exposure transfer database; The performing of outwarehousing processing on the transaction exposure corresponding to the transaction data includes: performing outwarehousing processing on the transaction exposure corresponding to the transaction data and storing the outwarehousing record in the exposure transfer database.

4. The method for the transfer of exposure among different levels of banking institutions according to claim 3, characterized in that The performing of outwarehousing processing on the transaction exposure corresponding to the transaction data further includes: Judging whether it is necessary to perform branch profit sharing processing according to the exposure transfer parameters. If so, call the pricing module to calculate the branch profit and loss and perform branch profit sharing processing to obtain the profit sharing information, and store the profit sharing information in the exposure transfer database.

5. An exposure transfer system between different levels of banking institutions, characterized in that, The system includes: a transaction data receiving unit, an exposure transfer unit, and an exposure parameter management unit. The exposure transfer unit is respectively connected to the transaction data receiving unit and the exposure parameter management unit. The transaction data receiving unit is used to asynchronously receive transaction data generated when a customer conducts financial market business transactions. The exposure parameter management unit is used to store exposure transfer parameters corresponding to the transaction data. The exposure transfer unit is used to query and obtain corresponding exposure transfer parameters from the exposure parameter management unit according to the transaction data received by the transaction data receiving unit, and process the exposure transfer step by step from low level to high level; wherein, the parameter management unit stores a product exposure relationship table, exposure transfer parameters, and exposure splitting parameters. Among them, the exposure transfer unit is specifically used to query the product exposure relationship table according to the product code in the transaction data to obtain the corresponding exposure transfer ID; obtain the exposure transfer parameters according to the exposure transfer ID; and judge whether splitting is required according to the exposure transfer parameters. If not, directly enter the warehousing process. If so, obtain the splitting parameters from the exposure parameter management unit, perform splitting processing according to the splitting parameters, and then enter the warehousing process; perform warehousing processing on the transaction exposure corresponding to the transaction data; continue to judge whether splitting is required according to the exposure transfer parameters. If not, directly enter the outwarehousing process. If so, obtain the splitting parameters from the exposure parameter management unit, perform splitting processing according to the splitting parameters, and then enter the outwarehousing process; perform outwarehousing processing on the transaction exposure corresponding to the transaction data; judge whether it is necessary to continue to square positions with the superior bank. If so, obtain the exposure transfer parameter information of the superior bank through the exposure parameter management unit and repeat the above steps at the superior bank level. If not, end the exposure transfer.

6. An electronic device, comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, characterized in that, When the processor executes the computer program, it implements the steps of the method for exposure transfer among various hierarchical institutions of the bank according to any one of claims 1 to 4.

7. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the computer program is executed by the processor, it implements the steps of the method for exposure transfer among various hierarchical institutions of the bank according to any one of claims 1 to 4.

8. A computer program product comprising a computer program / instructions, characterized in that, When the computer program / instructions are executed by the processor, it implements the steps of the method for exposure transfer among various hierarchical institutions of the bank according to any one of claims 1 to 4.

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