Flat disc processing method and apparatus

Abstract

This invention discloses a method and apparatus for balancing transactions, relating to the field of financial services technology. One specific embodiment of the method includes: determining balancing conditions corresponding to a foreign exchange transaction type; acquiring system information and / or market information, and determining whether the system information and / or the market information meets the balancing conditions; in response to the system information and / or the market information meeting the balancing conditions, acquiring a record to be balanced corresponding to the foreign exchange transaction type; determining a fund pool record corresponding to the record to be balanced from a fund pool; and performing balancing processing on the record to be balanced based on the fund pool record. This embodiment can automatically perform balancing processing, saving labor costs and possessing high efficiency and accuracy.

Description

Technical Field

[0001] This invention relates to the field of financial services technology, and in particular to a method and apparatus for flattening a trading platform. Background Technology

[0002] In recent years, there has been an increasing number of overseas transactions using credit cards with global payment capabilities, and the proportion of ordinary personal foreign exchange transactions is also rising. Processing clients' foreign exchange transactions, such as settlement and sale of foreign exchange, has become an important part of the work of financial institutions.

[0003] Foreign exchange transactions can create a foreign exchange deficit for financial institutions, which then need to perform balance-off operations at their respective foreign exchange branches to cover this deficit. Currently, financial institutions typically perform these balance-off operations manually. This method is labor-intensive, inefficient, and prone to errors. Summary of the Invention

[0004] In view of this, embodiments of the present invention provide a method and apparatus for flattening a tray, which can automatically perform flattening processing, save labor costs, and has high efficiency and accuracy.

[0005] In a first aspect, embodiments of the present invention provide a method for processing a flat disk, comprising:

[0006] Determine the closing conditions corresponding to the type of foreign exchange transaction;

[0007] Obtain system information and / or market information, and determine whether the system information and / or market information meet the flattening conditions;

[0008] In response to the system information and / or the market information meeting the closing conditions, obtain the pending closing record corresponding to the foreign exchange transaction type;

[0009] From the fund pool, determine the fund pool record corresponding to the record to be liquidated;

[0010] Based on the fund pool records, the pending liquidation records are liquidated.

[0011] Optionally, the foreign exchange transaction type is: global payment card transaction;

[0012] The step of obtaining the pending settlement records corresponding to the aforementioned foreign exchange transaction type includes:

[0013] Receive clearing documents from various international card organizations;

[0014] The clearing documents sent by the various international card organizations are aggregated and processed to obtain multiple pending settlement records corresponding to global payment cards.

[0015] Optionally, the type of foreign exchange transaction is: a purchase of foreign exchange for repayment transaction;

[0016] The step of obtaining the pending settlement records corresponding to the aforementioned foreign exchange transaction type includes:

[0017] Receive foreign exchange repayment requests from target customers;

[0018] Generate a foreign exchange repayment settlement request corresponding to the aforementioned foreign exchange repayment request;

[0019] Based on the request information in the foreign exchange repayment settlement request, a settlement record corresponding to the foreign exchange repayment request is generated.

[0020] Optionally, after generating the pending balance record corresponding to the foreign exchange repayment request, the method further includes:

[0021] Determine if the current date is a workday;

[0022] In response to the fact that the current date is a non-working day, the identity information of the target customer is determined;

[0023] Based on the identity information, determine whether to summarize the pending records for the target customer.

[0024] Optionally, the step of performing liquidation processing on the records to be liquidated based on the fund pool records includes:

[0025] The balance of the capital pool in the capital pool record and the amount of the pending liquidation in the pending liquidation record are compared;

[0026] In response to the comparison result indicating that the balance of the capital pool is greater than the amount to be liquidated, the difference between the balance of the capital pool and the amount to be liquidated is calculated;

[0027] Set the balance of the fund pool to the amount difference;

[0028] Set the status information corresponding to the record to be leveled to success.

[0029] Optionally, the step of performing liquidation processing on the records to be liquidated based on the fund pool records includes:

[0030] The balance of the capital pool in the capital pool record and the amount of the pending liquidation in the pending liquidation record are compared;

[0031] In response to the comparison result indicating that the balance of the capital pool is between zero and the amount to be liquidated, the difference between the amount to be liquidated and the balance of the capital pool is calculated;

[0032] Generate an outbound call request containing the amount difference and send the outbound call request to the foreign exchange institution.

[0033] Optionally, the step of performing liquidation processing on the records to be liquidated based on the fund pool records includes:

[0034] In response to the zero balance of the fund pool, an outbound call request containing the amount to be liquidated is generated and sent to the foreign exchange institution.

[0035] Optionally, after sending the outbound call request to the foreign exchange institution, the method further includes:

[0036] Receive the response information returned by the foreign exchange institution in response to the outbound call request;

[0037] In response to the response information indicating a successful outbound call, the balance of the funds pool is set to zero, and the status information corresponding to the pending liquidation record is set to success.

[0038] In response to the response information indicating outbound call failure, the status information corresponding to the pending record is set to failure.

[0039] Optionally, before obtaining the pending settlement record corresponding to the foreign exchange transaction type, the method further includes:

[0040] Obtain the current date and determine whether the current date is a working day;

[0041] In response to the fact that the current date is a working day, the step of obtaining the pending settlement record corresponding to the foreign exchange transaction type is executed.

[0042] Optionally, before obtaining the pending settlement record corresponding to the foreign exchange transaction type, the method further includes:

[0043] Get the system exchange rate;

[0044] If the system exchange rate is not obtained, continue to obtain the system exchange rate until the system exchange rate is obtained or the number of times it is obtained reaches the preset number;

[0045] In response to obtaining the system exchange rate, the step of obtaining the pending settlement record corresponding to the foreign exchange transaction type is executed.

[0046] Secondly, embodiments of the present invention provide a flatbed processing apparatus, comprising:

[0047] The condition determination module is used to determine the closing conditions corresponding to the type of foreign exchange transaction.

[0048] An information determination module is used to acquire system information and / or market information, and determine whether the system information and / or market information meet the flat price condition;

[0049] The record acquisition module is used to acquire the pending record for the foreign exchange transaction type in response to the system information and / or the market information meeting the closing conditions.

[0050] The balance determination module is used to determine the fund pool record corresponding to the record to be liquidated from the fund pool;

[0051] The liquidation module is used to perform liquidation processing on the records to be liquidated based on the records in the capital pool.

[0052] Optionally, the foreign exchange transaction type is: global payment card transaction;

[0053] The record acquisition module is specifically used for:

[0054] Receive clearing documents from various international card organizations;

[0055] The clearing documents sent by the various international card organizations are aggregated and processed to obtain multiple pending settlement records corresponding to global payment cards.

[0056] Thirdly, embodiments of the present invention provide an electronic device, including:

[0057] One or more processors;

[0058] Storage device for storing one or more programs.

[0059] When the one or more programs are executed by the one or more processors, the one or more processors implement the method described in any of the above embodiments.

[0060] Fourthly, embodiments of the present invention provide a computer-readable medium having a computer program stored thereon, which, when executed by a processor, implements the methods described in any of the above embodiments.

[0061] Fifthly, embodiments of the present invention provide a computer program product, including a computer program that, when executed by a processor, implements the methods described in any of the above embodiments.

[0062] One embodiment of the above invention has the following advantages or beneficial effects: Based on business needs, multiple foreign exchange transaction types and corresponding liquidation conditions are set for each type. When the liquidation conditions for a particular foreign exchange transaction type are met, the liquidation record for that type and the corresponding cash pool balance are obtained. Based on the liquidation amount and cash pool balance in the liquidation record, the liquidation process is performed on the liquidation record. Therefore, the solution of this embodiment automatically performs liquidation operations, saving labor costs and offering higher efficiency and accuracy compared to manual liquidation.

[0063] The further effects of the aforementioned unconventional alternative methods will be explained below in conjunction with specific implementation methods. Attached Figure Description

[0064] The accompanying drawings are provided to better understand the invention and are not intended to unduly limit the scope of the invention. Wherein:

[0065] Figure 1 This is a flowchart illustrating a flat panel processing method provided in the first embodiment of the present invention;

[0066] Figure 2 This is a flowchart illustrating a method for balancing foreign exchange transactions of the type of global payment cards, provided in the second embodiment of the present invention.

[0067] Figure 3 This is a flowchart illustrating a method for balancing foreign exchange transactions of the type of foreign exchange purchase and repayment, provided in the third embodiment of the present invention.

[0068] Figure 4 This is a schematic diagram of the structure of a flat-panel processing device provided in an embodiment of the present invention;

[0069] Figure 5 This is a schematic diagram of the structure of a computer system suitable for implementing terminal devices or servers of the present invention. Detailed Implementation

[0070] The following description, in conjunction with the accompanying drawings, illustrates exemplary embodiments of the present invention, including various details to aid understanding. These details should be considered merely exemplary. Therefore, those skilled in the art will recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the invention. Similarly, for clarity and brevity, descriptions of well-known functions and structures are omitted in the following description.

[0071] The acquisition, storage, use, and processing of data in this application all comply with the relevant provisions of national laws and regulations.

[0072] Figure 1 This is a flowchart illustrating a flat-panel processing method provided in the first embodiment of the present invention, as shown below. Figure 1 As shown, the method includes:

[0073] Step 101: Determine the closing conditions corresponding to the forex transaction type.

[0074] Multiple foreign exchange transaction types and corresponding closing conditions can be set according to business needs. Foreign exchange transaction types may include: global payment cards, foreign exchange purchase and repayment, etc.

[0075] Under certain conditions, pending settlement records for the corresponding foreign exchange transaction type can be settled. These conditions can be flexibly set according to needs and may include: exchange rate fluctuation statistics exceeding a fluctuation threshold, system idle status, current date being a working day, real-time processing on working days, processing every two hours, exchange rate exceeding a preset threshold and current time being 10:00 AM on a working day, exchange rate fluctuation statistics exceeding a fluctuation threshold and current time being 3:00 PM on a working day, and current time being ten minutes after the transaction occurred. Different foreign exchange transaction types may correspond to different settlement conditions.

[0076] Step 102: Obtain system information and / or market information, and determine whether the system information and / or market information meet the conditions for closing the position.

[0077] System information may include: current time, current date, system status, etc. Market information may include: exchange rate fluctuation statistics, system exchange rate, etc. Based on the system information and / or market information, determine whether the stabilization condition is met. For example, if the stabilization condition is that the current time is 10:00 AM on a weekday, and the system information is the current time, then if the current time is 10:00 AM on a weekday, the stabilization condition is met.

[0078] Step 103: In response to the system information and / or market information meeting the closing conditions, obtain the pending closing record corresponding to the forex transaction type.

[0079] Each foreign exchange transaction type corresponds to a pending settlement list, which includes at least one pending settlement record. A pending settlement record includes: currency, transaction method, status information, USD amount of the settlement transaction, RMB amount payable, RMB amount of foreign exchange settlement, exchange rate, and profit / loss amount for credit card foreign exchange settlement. Transaction methods include: foreign exchange settlement or foreign exchange sale.

[0080] Step 104: From the fund pool, determine the fund pool record corresponding to the record to be closed.

[0081] The funds pool acts as a "reservoir" for purchasing foreign exchange. When closing out positions, the system can dynamically select either a funds pool mode or a non-funds pool mode. In response to the selection of the funds pool mode, when there are foreign exchange funds in the pool, the system will automatically choose to use the foreign exchange balance in the pool for deduction during the closing process. When there are no foreign exchange balances in the pool, the system sends an outbound call request to a foreign exchange institution to purchase or settle foreign exchange.

[0082] The liquidity pool can include multiple liquidity pool balances. These balances correspond to the currency, transaction method, and manual settlement exchange rate. Transaction methods include foreign exchange settlement or foreign exchange sales. The liquidity pool balance corresponding to a settlement record can be determined based on the currency and transaction method specified in the settlement record.

[0083] Step 105: Based on the fund pool records, perform liquidation processing on the records to be liquidated.

[0084] Loop through the list of pending liquidations to obtain each pending liquidation record. For each pending liquidation record: determine the corresponding capital pool record, and perform liquidation processing on the pending liquidation record according to the capital pool record.

[0085] The liquidation method is determined based on the comparison between the amount of pending liquidation in the pending liquidation record and the balance of the capital pool. The liquidation method can be divided into the following three scenarios.

[0086] Scenario 1: If the comparison result indicates that the balance of the capital pool is greater than the amount to be liquidated, calculate the difference between the balance of the capital pool and the amount to be liquidated; set the balance of the capital pool as the difference; and set the status information corresponding to the liquidation record to success.

[0087] There's no need to call a foreign exchange institution to purchase or settle foreign exchange; the balance of the funds pool is used for settlement. For each settlement record, set the "Settlement Transaction USD Amount" to the USD amount of the batch settlement transaction; "Payable RMB Amount" to the exchange rate on the posting date multiplied by the USD amount of the batch settlement transaction; "Foreign Exchange Settlement RMB Amount" to the manual settlement exchange rate multiplied by the USD amount of the settlement transaction; "Purchase Exchange Rate" to the manual settlement exchange rate; and "Credit Card Foreign Exchange Settlement Profit / Loss Amount" to (Customer Settlement Exchange Rate - Manual Settlement Foreign Exchange Institution Exchange Rate) multiplied by the USD amount of the batch settlement transaction. Set the status information to "Success".

[0088] Scenario 2: If the comparison result indicates that the balance of the fund pool is between zero and the amount to be liquidated, calculate the difference between the amount to be liquidated and the balance of the fund pool; generate an outbound call request containing the difference and send the outbound call request to the foreign exchange institution.

[0089] After sending the outbound call request to the foreign exchange institution, the system receives the response information returned by the institution. If the response indicates a successful outbound call, the system sets the cash pool balance to zero and sets the status information of the pending liquidation record to success. If the response indicates a failed outbound call, the system sets the status information of the pending liquidation record to failure.

[0090] When the balance in the cash pool is greater than zero, but less than the amount to be settled, a scheduled task can be performed to purchase or settle foreign exchange. Alternatively, for each pending settlement record, the difference after deduction can be calculated directly, and an outbound call request can be sent to the foreign exchange institution. The foreign exchange institution is a trading institution that provides unified foreign exchange settlement or purchase services to financial institutions.

[0091] For each pending settlement record, upon successful outbound call, set the "Settlement Transaction USD Amount" to the USD amount of the batch settlement transaction; "Amount Payable RMB Amount" to the amount difference * exchange rate on the billing date; "Foreign Exchange Settlement RMB Amount" to the deduction amount * manual settlement exchange rate + remaining amount * settlement exchange rate; "Foreign Exchange Purchase Rate" to the settlement exchange rate; and "Credit Card Foreign Exchange Settlement Profit / Loss Amount" to (Customer Settlement Exchange Rate - Manual Settlement Foreign Exchange Institution Exchange Rate 1) * deduction amount + (Customer Settlement Exchange Rate - Manual Settlement Foreign Exchange Institution Exchange Rate 2) * remaining amount. Then set the funds pool balance to zero and the status information to success.

[0092] If an outbound call fails, set the status information to "failed" and the reason for failure to "outbound call failed".

[0093] Scenario 3: If the comparison result indicates that the cash pool balance is zero, an outbound call request containing the amount to be liquidated is generated and sent to the foreign exchange institution. After sending the outbound call request to the foreign exchange institution, the system receives the response information returned by the foreign exchange institution in response to the outbound call request. If the response information indicates that the outbound call was successful, the cash pool balance is set to zero, and the status information corresponding to the liquidation record is set to success. If the response information indicates that the outbound call failed, the status information corresponding to the liquidation record is set to failure.

[0094] When the cash pool balance is zero, the settlement is carried out by calling a foreign exchange agency. For each settlement record, if the call is successful, the "Credit Card Foreign Exchange Settlement Settlement Profit / Loss Amount" is set to (the exchange rate on the billing date - the settlement exchange rate) * the remaining amount, and the status information is set to success.

[0095] If an outbound call fails, set the status information to "failed" and the reason for failure to "outbound call failed".

[0096] In this embodiment of the invention, multiple foreign exchange transaction types and corresponding liquidation conditions are set according to business needs. When the liquidation conditions for a particular foreign exchange transaction type are met, the liquidation record for that type and the corresponding cash pool balance are obtained. Based on the liquidation amount and cash pool balance in the liquidation record, the liquidation process is performed on the liquidation record. Therefore, the solution of this embodiment automatically performs the liquidation operation, saving labor costs and offering higher efficiency and accuracy compared to manual liquidation.

[0097] In one embodiment of the present invention, before obtaining the pending settlement records corresponding to the foreign exchange transaction type, the method further includes: obtaining the current date and determining whether the current date is a working day; in response to the current date being a working day, executing the step of obtaining the pending settlement records corresponding to the foreign exchange transaction type. Since some foreign exchange institutions are closed on holidays and only open on working days to allow financial institutions to settle transactions, the settlement process is executed only after determining that the current date is a working day.

[0098] In one embodiment of the present invention, before obtaining the pending settlement record corresponding to the foreign exchange transaction type, the method further includes: obtaining the system exchange rate; in response to not obtaining the system exchange rate, continuing to obtain the system exchange rate until the system exchange rate is obtained or the number of times it is obtained reaches a preset number; in response to obtaining the system exchange rate, performing the step of obtaining the pending settlement record corresponding to the foreign exchange transaction type.

[0099] Only after obtaining the system exchange rate can the system proceed with subsequent balancing processes. If the system exchange rate is not obtained after a certain number of prediction attempts, the system will stop retrieving the rate and send an error notification so that relevant personnel can quickly investigate the error. The preset number of attempts can be 5, 10, 20, etc.

[0100] Figure 2 This is a flowchart illustrating a method for balancing foreign exchange transactions of the type "Global Payment Card" provided in the second embodiment of the present invention. Figure 2 As shown, the method includes:

[0101] Step 201: Receive clearing documents from various international card organizations.

[0102] For the foreign exchange shortfall in global payment cards, clearing data is sourced from clearing documents of international card organizations. These international card organizations may include: VISA, MasterCard, and JCB.

[0103] Step 202: Summarize and process the clearing documents sent by various international card organizations to obtain multiple pending settlement records corresponding to global payment cards.

[0104] A scheduled task can be set up to batch process and aggregate clearing documents the following day, resulting in multiple records awaiting liquidation. Clearing documents can be aggregated and processed according to the following dimensions: international card organizations, currencies, etc.

[0105] For example, upon receiving clearing documents from global payment cards, at a preset time each day, the system aggregates the documents according to rules to obtain multiple pending settlement records and stores these records in a pending settlement list. Each pending settlement record includes the date and time of the recorded data, and the system updates the status of the pending settlement record to "pending settlement." Preset times can be: 6:00 AM, 12:00 PM, 10:00 PM, etc.

[0106] Step 203: Determine the balance conditions corresponding to the global payment card.

[0107] Step 204: Obtain system information and / or market information, and determine whether the system information and / or market information meet the conditions for closing the position.

[0108] The conditions for closing the exchange rate can be set according to specific needs. For example, the condition could be that the current time is 10:00 AM on a weekday. A scheduled task can be set up in the system to execute at 10:00 AM daily. This task checks if the current day is a weekday; if not, the task terminates. If it is a weekday, it retrieves the system exchange rate.

[0109] If the exchange rate retrieval fails, a scheduled task will be initiated to retrieve the system exchange rate at a preset time interval. If the retrieval is successful, the retrieved system exchange rate will be recorded in the exchange rate table. The number of retrievals for the day will be recorded; after 10 retrievals, no further exchange rate retrievals will be performed for the rest of the day, and the status of all pending tasks will be set to failed.

[0110] Step 205: In response to the system information and / or market information meeting the closing conditions, obtain the pending closing records corresponding to the global payment cards.

[0111] If the exchange rate is successfully obtained, locate the previous working day using the holiday parameter table, and then search the pending settlement list for records where the task information is "not executed" or "failed" as of 10:00 AM that day. Identify these records as pending settlement records.

[0112] The records to be processed can be sorted according to different international card organizations. For example, the records to be processed can be sorted in the order of VISA, MasterCard, and JCB.

[0113] Step 206: From the fund pool, determine the fund pool record corresponding to the record to be closed.

[0114] Step 207: Based on the fund pool records, perform liquidation processing on the records to be liquidated.

[0115] The settlement or sale of foreign exchange for each currency can be withdrawn from the fund pool to offset the fund pool balance, as well as the corresponding manual settlement exchange rate. If the fund pool balance is greater than the amount to be settled, the settlement process is carried out directly using the fund pool balance.

[0116] The system continuously scans the list of pending transactions. For each pending transaction record, if the cash pool balance is less than the pending transaction amount, a scheduled outbound call task is created to request a foreign exchange institution. Upon successful outbound call, information such as "Transaction Amount in USD", "Amount Payable in RMB", "Foreign Exchange Settlement in RMB", and "Exchange Rate" in the pending transaction record is updated in batches. Finally, the profit or loss from credit card foreign exchange settlement is calculated and saved.

[0117] If the outbound call to the forex institution fails, update the status information in the pending settlement record to "failed". Check if the number of settlement attempts for this pending settlement record is less than 10. If so, continue to schedule a timed outbound call task for this pending settlement record. The interval between the execution time of the timed outbound call task and the current time is a preset time period. The preset time period can be: 10 minutes, 30 minutes, 1 hour, etc.

[0118] Figure 3 This is a flowchart illustrating a method for balancing foreign exchange transactions of the type "purchase and repayment" provided in the third embodiment of the present invention. Figure 3 As shown, the method includes:

[0119] Step 301: Receive the foreign exchange repayment request from the target customer; generate the corresponding foreign exchange repayment settlement request.

[0120] Foreign exchange purchase for repayment refers to the act of a customer using RMB to purchase foreign currency and then repaying the foreign currency account. For any foreign exchange shortfall caused by this repayment, the data comes from system logs, and a near real-time balancing design can be implemented by receiving repayment messages.

[0121] To decouple foreign exchange repayment and foreign exchange repayment consolidation, upon receiving a foreign exchange repayment request, a repayment processing request and a foreign exchange repayment consolidation request are generated. The repayment processing request is sent to the repayment processing component, and the foreign exchange repayment consolidation request is sent to the consolidation processing component. The consolidation processing component has message receiving capabilities, receives foreign exchange repayment consolidation requests, and performs consolidation processing or accumulates consolidation processing. The repayment processing component and the consolidation processing component operate independently; even if consolidation processing fails, it will not affect the user's repayment.

[0122] Step 302: Generate a pending balance record corresponding to the foreign exchange repayment balance request based on the request information in the foreign exchange repayment balance request.

[0123] The request information may include: the time of occurrence, currency, and transaction method. The transaction method includes: foreign exchange settlement or foreign exchange sale.

[0124] Step 303: Determine the settlement conditions corresponding to foreign exchange purchase and repayment.

[0125] The settlement conditions can be set according to specific needs. For example, the settlement condition for foreign exchange repayment is real-time processing on working days. That is, if a foreign exchange repayment settlement request is received on a working day, the settlement record corresponding to the foreign exchange repayment request will be settled, thereby avoiding overnight exchange rate risk and reducing losses caused by exchange rate fluctuations.

[0126] Step 304: Obtain system information and / or market information, and determine whether the system information and / or market information meet the conditions for closing the position.

[0127] Step 305: In response to the system information and / or market information meeting the closing conditions, obtain the pending closing record corresponding to the foreign exchange purchase repayment.

[0128] Step 306: From the fund pool, determine the fund pool record corresponding to the record to be closed.

[0129] Step 307: Based on the fund pool records, perform liquidation processing on the records to be liquidated.

[0130] Because some foreign exchange institutions are closed on holidays, they only open for business on weekdays to allow financial institutions to close out positions. If the current date is a holiday, the pending position record for foreign exchange purchase and repayment will be entered into the pending position list, and the status of the pending position record will be set to not executed.

[0131] An automatic task can be set up to run periodically at preset times on weekdays. If the current date is a holiday or year-end, the automatic task will not perform any processing. If the current date is a weekday, the automatic task will filter the pending inventory records from the list of records to be balanced, and perform the balance balancing process on the selected records. Preset times can be: 6:00 AM, 12:00 PM, 10:00 PM, etc.

[0132] The system continuously scans the list of pending transactions. For each pending transaction record, if the cash pool balance is less than the pending transaction amount, a scheduled foreign exchange task is created to request an outbound call to a foreign exchange institution. Upon successful outbound call, the system batch updates information such as "Transaction Amount in USD", "Amount Payable in RMB", "Foreign Exchange Settlement in RMB", and "Exchange Rate" in the pending transaction record. Finally, the system calculates and saves the profit or loss amount for credit card foreign exchange settlement.

[0133] If the outbound call to the forex institution fails, update the status information in the pending settlement record to "failed". Check if the number of settlement attempts for this pending settlement record is less than 10. If so, continue to schedule a timed outbound call task for this pending settlement record. The interval between the execution time of the timed outbound call task and the current time is a preset time period. The preset time period can be: 10 minutes, 30 minutes, 1 hour, etc.

[0134] Processing customer foreign exchange repayment transactions requires a balance adjustment process. This balance adjustment is typically performed during the repayment process itself. Problems with this balance adjustment can disrupt the repayment process, negatively impacting the customer's repayment experience. In this embodiment of the invention, a message receiving method decouples the customer's foreign exchange repayment process from the balance adjustment process. Even if problems occur during the balance adjustment process, the repayment process will not be affected, thus avoiding any impact on the customer's repayment service experience.

[0135] In one embodiment of the present invention, after generating the pending balance record corresponding to the foreign exchange repayment request, the method further includes: determining whether the current date is a working day; in response to the current date being a non-working day, determining the identity information of the target customer; and based on the identity information, determining whether to perform summary processing on the pending balance record corresponding to the target customer, and performing summary processing on the pending balance record corresponding to the target customer whose identity information meets preset conditions.

[0136] Identity information includes: individual clients, corporate clients, and business card clients. Upon receiving foreign exchange repayment requests from corporate clients and business card clients during holidays, due to the larger transaction amounts of these clients, the pending settlement records for these clients will be aggregated to facilitate settlement processing on the next business day. Individual clients have limited transaction amounts and do not require prior aggregation.

[0137] Figure 4 This is a schematic diagram of the structure of a flat-panel processing device provided in one embodiment of the present invention, as shown below. Figure 4 As shown, the device includes:

[0138] Condition determination module 401 is used to determine the closing conditions corresponding to the foreign exchange transaction type;

[0139] The information determination module 402 is used to acquire system information and / or market information, and determine whether the system information and / or market information meet the flat price condition;

[0140] The record acquisition module 403 is used to acquire the pending record for the foreign exchange transaction type in response to the system information and / or the market information meeting the closing conditions.

[0141] The balance determination module 404 is used to determine the fund pool record corresponding to the record to be liquidated from the fund pool;

[0142] The liquidation module 405 is used to perform liquidation processing on the record to be liquidated based on the fund pool record.

[0143] Optionally, the foreign exchange transaction type is: global payment card transaction;

[0144] The record acquisition module 403 is specifically used for:

[0145] Receive clearing documents from various international card organizations;

[0146] The clearing documents sent by the various international card organizations are aggregated and processed to obtain multiple pending settlement records corresponding to global payment cards.

[0147] Optionally, the type of foreign exchange transaction is: a purchase of foreign exchange for repayment transaction;

[0148] The record acquisition module 403 is specifically used for:

[0149] Receive foreign exchange repayment requests from target customers;

[0150] Generate a foreign exchange repayment settlement request corresponding to the aforementioned foreign exchange repayment request;

[0151] Based on the request information in the foreign exchange repayment settlement request, a settlement record corresponding to the foreign exchange repayment request is generated.

[0152] Optionally, the record acquisition module 403 is further configured to determine whether the current date is a working day;

[0153] In response to the fact that the current date is a non-working day, the identity information of the target customer is determined;

[0154] Based on the identity information, determine whether to summarize the pending records for the target customer.

[0155] Optionally, the flat panel module 405 is specifically used for:

[0156] The balance of the capital pool in the capital pool record and the amount of the pending liquidation in the pending liquidation record are compared;

[0157] In response to the comparison result indicating that the balance of the capital pool is greater than the amount to be liquidated, the difference between the balance of the capital pool and the amount to be liquidated is calculated;

[0158] Set the balance of the fund pool to the amount difference;

[0159] Set the status information corresponding to the record to be leveled to success.

[0160] Optionally, the flat panel module 405 is specifically used for:

[0161] The balance of the capital pool in the capital pool record and the amount of the pending liquidation in the pending liquidation record are compared;

[0162] In response to the comparison result indicating that the balance of the capital pool is between zero and the amount to be liquidated, the difference between the amount to be liquidated and the balance of the capital pool is calculated;

[0163] Generate an outbound call request containing the amount difference and send the outbound call request to the foreign exchange institution.

[0164] Optionally, the flat panel module 405 is specifically used for:

[0165] In response to the zero balance of the fund pool, an outbound call request containing the amount to be liquidated is generated and sent to the foreign exchange institution.

[0166] Optionally, the flat panel module 405 is further configured to:

[0167] Receive the response information returned by the foreign exchange institution in response to the outbound call request;

[0168] In response to the response information indicating a successful outbound call, the balance of the funds pool is set to zero, and the status information corresponding to the pending liquidation record is set to success.

[0169] In response to the response information indicating outbound call failure, the status information corresponding to the pending record is set to failure.

[0170] Optionally, the device further includes:

[0171] The workday determination module 406 is used to obtain the current date and determine whether the current date is a workday;

[0172] In response to the fact that the current date is a working day, the step of obtaining the pending settlement record corresponding to the foreign exchange transaction type is executed.

[0173] Optionally, the device further includes:

[0174] The exchange rate acquisition module 407 is used to acquire the system exchange rate;

[0175] If the system exchange rate is not obtained, continue to obtain the system exchange rate until the system exchange rate is obtained or the number of times it is obtained reaches the preset number;

[0176] In response to obtaining the system exchange rate, the step of obtaining the pending settlement record corresponding to the foreign exchange transaction type is executed.

[0177] This invention provides an electronic device, comprising:

[0178] One or more processors;

[0179] Storage device for storing one or more programs.

[0180] When one or more programs are executed by one or more processors, the one or more processors implement the methods of any of the above embodiments.

[0181] This invention provides a computer program product, including a computer program that, when executed by a processor, implements the enterprise risk assessment method of this invention.

[0182] The following is for reference. Figure 5 It shows a schematic diagram of the structure of a computer system 500 suitable for implementing a terminal device of the present invention. Figure 5 The terminal device shown is merely an example and should not impose any limitations on the functionality and scope of use of the embodiments of the present invention.

[0183] like Figure 5 As shown, the computer system 500 includes a central processing unit (CPU) 501, which can perform various appropriate actions and processes based on programs stored in read-only memory (ROM) 502 or programs loaded from storage section 508 into random access memory (RAM) 503. The RAM 503 also stores various programs and data required for the operation of the system 500. The CPU 501, ROM 502, and RAM 503 are interconnected via a bus 504. An input / output (I / O) interface 505 is also connected to the bus 504.

[0184] The following components are connected to I / O interface 505: an input section 506 including a keyboard, mouse, etc.; an output section 507 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and speakers, etc.; a storage section 508 including a hard disk, etc.; and a communication section 509 including a network interface card such as a LAN card, modem, etc. The communication section 509 performs communication processing via a network such as the Internet. A drive 510 is also connected to I / O interface 505 as needed. A removable medium 511, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on drive 510 as needed so that computer programs read from it can be installed into storage section 508 as needed.

[0185] In particular, according to the embodiments disclosed in this invention, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, embodiments disclosed in this invention include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for performing the methods shown in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via communication section 509, and / or installed from removable medium 511. When the computer program is executed by central processing unit (CPU) 501, it performs the functions defined above in the system of this invention.

[0186] It should be noted that the computer-readable medium shown in this invention can be a computer-readable signal medium or a computer-readable storage medium, or any combination thereof. A computer-readable storage medium can be, for example,—but not limited to—an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of a computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination thereof. In this invention, a computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. In this invention, a computer-readable signal medium can include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code. Such propagated data signals can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. Computer-readable signal media can also be any computer-readable medium other than computer-readable storage media, which can send, propagate, or transmit a program for use by or in connection with an instruction execution system, apparatus, or device. The program code contained on the computer-readable medium can be transmitted using any suitable medium, including but not limited to: wireless, wire, optical fiber, RF, etc., or any suitable combination thereof.

[0187] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of the present invention. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0188] The modules described in the embodiments of the present invention can be implemented in software or hardware. The described modules can also be housed in a processor, and for example, can be described as: a condition determination module, an information determination module, a record acquisition module, a balance determination module, and a balancing module. The names of these modules do not necessarily limit the module itself; for example, the condition determination module can also be described as "a module for determining the balancing conditions corresponding to a foreign exchange transaction type".

[0189] In another aspect, the present invention also provides a computer-readable medium, which may be included in the device described in the above embodiments; or it may exist independently and not assembled into the device. The computer-readable medium carries one or more programs, which, when executed by the device, cause the device to include:

[0190] Determine the closing conditions corresponding to the type of foreign exchange transaction;

[0191] Obtain system information and / or market information, and determine whether the system information and / or market information meet the flattening conditions;

[0192] In response to the system information and / or the market information meeting the closing conditions, obtain the pending closing record corresponding to the foreign exchange transaction type;

[0193] From the fund pool, determine the fund pool record corresponding to the record to be liquidated;

[0194] Based on the fund pool records, the pending liquidation records are liquidated.

[0195] According to the technical solution of this invention, multiple foreign exchange transaction types and corresponding liquidation conditions are set based on business needs. When the liquidation conditions for a particular foreign exchange transaction type are met, the liquidation record for that type and the corresponding cash pool balance are obtained. Based on the liquidation amount and cash pool balance in the liquidation record, the liquidation process is performed on the liquidation record. Therefore, the solution of this invention automatically performs liquidation operations, saving labor costs and offering higher efficiency and accuracy compared to manual liquidation.

[0196] The specific embodiments described above do not constitute a limitation on the scope of protection of this invention. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can occur depending on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of this invention should be included within the scope of protection of this invention.

Claims

1. A flat disc processing method, characterized by, The method comprises: determining a flat condition corresponding to a foreign exchange transaction type; obtaining system information and / or market information, and determining whether the system information and / or the market information satisfies the flat condition; in response to the system information and / or the market information satisfying the flat condition, obtaining a to-be-flat record corresponding to the foreign exchange transaction type; wherein, in response to the foreign exchange transaction type being a purchase and repayment transaction, the obtaining of the to-be-flat record corresponding to the foreign exchange transaction type comprises: receiving a purchase and repayment request sent by a target client; generating a purchase and repayment flat request corresponding to the purchase and repayment request; and generating a to-be-flat record corresponding to the purchase and repayment request according to request information in the purchase and repayment flat request; from a fund pool, determining a fund pool record corresponding to the to-be-flat record; comparing a fund pool balance in the fund pool record and a to-be-flat amount in the to-be-flat record to determine a flat mode, and performing flat processing on the to-be-flat record; setting state information corresponding to the to-be-flat record as successful or generating an outbound call request and sending the outbound call request to a foreign exchange institution, receiving response information returned by the foreign exchange institution in response to the outbound call request, in response to the response information indicating that the outbound call is successful, setting the fund pool balance to zero, and setting the state information corresponding to the to-be-flat record as successful, and in response to the response information indicating that the outbound call fails, setting the state information corresponding to the to-be-flat record as failed.

2. The method of claim 1, wherein, The foreign exchange transaction type is a global payment card transaction. The obtaining of the to-be-flat record corresponding to the foreign exchange transaction type comprises: receiving clearing files sent by each international card organization; performing summary processing on the clearing files sent by each international card organization to obtain a plurality of to-be-flat records corresponding to global payment cards.

3. The method of claim 1, wherein, After the generation of the to-be-flat record corresponding to the purchase and repayment request, the method further comprises: determining whether the current date is a working day; in response to the current date being a non-working day, determining identity information of the target client; determining whether to perform summary processing on the to-be-flat record corresponding to the target client according to the identity information.

4. The method of claim 1, wherein, The flat processing on the to-be-flat record according to the fund pool record comprises: comparing the fund pool balance in the fund pool record and the to-be-flat amount in the to-be-flat record; in response to the comparison result indicating that the fund pool balance is greater than the to-be-flat amount, calculating an amount difference between the fund pool balance and the to-be-flat amount; setting the fund pool balance as the amount difference; and setting state information corresponding to the to-be-flat record as successful.

5. The method of claim 1, wherein, The flat processing on the to-be-flat record according to the fund pool record comprises: comparing the fund pool balance in the fund pool record and the to-be-flat amount in the to-be-flat record; in response to the comparison result indicating that the fund pool balance is between zero and the to-be-flat amount, calculating an amount difference between the to-be-flat amount and the fund pool balance; generating an outbound call request containing the amount difference, and sending the outbound call request to a foreign exchange institution.

6. The method of claim 1, wherein, The flat processing on the to-be-flat record according to the fund pool record comprises: In response to the fund pool balance being zero, an outbound call request containing the amount to be squared is generated, and the outbound call request is sent to the foreign exchange agency.

7. The method of claim 1, wherein, Before the obtaining the to-be-squared record corresponding to the foreign exchange transaction type, the method further includes: obtaining a current date and determining whether the current date is a weekday; In response to the current date being a weekday, the step of obtaining the to-be-squared record corresponding to the foreign exchange transaction type is performed.

8. The method of claim 1, wherein, Before the obtaining the to-be-squared record corresponding to the foreign exchange transaction type, the method further includes: obtaining a system exchange rate; In response to not obtaining the system exchange rate, the system exchange rate is continuously obtained until the system exchange rate is obtained or the number of times of obtaining reaches a preset number of times; In response to obtaining the system exchange rate, the step of obtaining the to-be-squared record corresponding to the foreign exchange transaction type is performed.

9. A flat disc processing apparatus, characterized by comprising: comprise: a condition determination module configured to determine a squaring condition corresponding to a foreign exchange transaction type; an information determination module configured to obtain system information and / or market information and determine whether the system information and / or the market information satisfies the squaring condition; a record obtaining module configured to, in response to the system information and / or the market information satisfying the squaring condition, obtain a to-be-squared record corresponding to the foreign exchange transaction type; wherein, in response to the foreign exchange transaction type being a purchase and repayment transaction, the obtaining the to-be-squared record corresponding to the foreign exchange transaction type comprises: receiving a purchase and repayment request sent by a target customer; generating a purchase and repayment squaring request corresponding to the purchase and repayment request; and generating a to-be-squared record corresponding to the purchase and repayment request according to request information in the purchase and repayment squaring request; a balance determination module configured to determine, from a fund pool, a fund pool record corresponding to the to-be-squared record; a squaring module configured to compare a fund pool balance in the fund pool record and a to-be-squared amount in the to-be-squared record, determine a squaring manner, and perform squaring processing on the to-be-squared record; set state information corresponding to the to-be-squared record as successful or generate an outbound call request and send the outbound call request to a foreign exchange agency, receive response information returned by the foreign exchange agency in response to the outbound call request, in response to the response information indicating that the outbound call is successful, set the fund pool balance as zero, and set the state information corresponding to the to-be-squared record as successful, and in response to the response information indicating that the outbound call fails, set the state information corresponding to the to-be-squared record as failed.

10. The apparatus of claim 9, wherein, The foreign exchange transaction type is a global payment card transaction. The record obtaining module is specifically configured to: receive clearing files sent by each international card organization; perform summary processing on the clearing files sent by each international card organization to obtain a plurality of to-be-squared records corresponding to global payment cards.

11. An electronic device, comprising: comprise: one or more processors; a storage device configured to store one or more programs, when the one or more programs are executed by the one or more processors, the one or more processors implement the method of any one of claims 1-8.

12. A computer readable medium having stored thereon a computer program, characterized in that The program is executed by the processor to implement the method of any one of claims 1-8.

13. A computer program product comprising a computer program, characterized in that, The computer program is executed by the processor to implement the method of any one of claims 1-8.

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