A method, device and storage medium for managing exchange rate quotes

Abstract

This disclosure relates to a method for managing exchange rate quotes, a computer-readable storage medium, and an electronic device. The method includes: responding to an exchange rate quote request by obtaining exchange rate quote information from a business party, the exchange rate quote information including a user code, business type, quote code, source currency, and destination currency, the quote code indicating whether the exchange rate quote request is allowed; if the quote code indicates that the exchange rate quote request is allowed, obtaining configuration information for the exchange rate quote request based on the exchange rate quote information; querying the latest exchange rate based on the exchange rate quote information and the configuration information; and determining a target exchange rate based on the latest exchange rate, the target exchange rate representing the result of the exchange rate quote request. This disclosure can provide corresponding exchange rate prices globally for different regions, time periods, and different customers.

Description

Technical Field

[0001] This disclosure relates to the field of exchange rate trading, and in particular to a method, device and storage medium for managing exchange rate quotes. Background Technology

[0002] The exchange rate (also known as the foreign exchange rate or exchange rate market rate) refers to the ratio at which two currencies can be exchanged. In other words, the exchange rate is the ratio or price of one country's currency to another. Exchange rates play a significant role in modern economic activities. In traditional exchange rate quoting processes, different currencies are quoted in different systems, and rebate configurations are complex. Therefore, when quoting exchange rates globally, it involves switching and interacting with multiple systems, a very complicated process that causes great inconvenience in practical use. Therefore, how to achieve differentiated quotations for global customers based on diversified configurations (such as different regions, different time periods, and different users) has become a pressing technical problem that needs to be solved. Summary of the Invention

[0003] To address at least one of the aforementioned technical problems, this disclosure provides a method, apparatus, and storage medium for managing exchange rate quotes.

[0004] According to one aspect of this disclosure, a method for managing exchange rate quotations is provided. This method is applied to a quoting system, which includes a business interaction component, a quoting center component, a quoting demand configuration component, and a price source library component. The quoting center component is communicatively connected to each of the aforementioned components. The method includes: the quoting center component responding to an exchange rate quoting request from the business interaction component by obtaining exchange rate quoting information from the business, the exchange rate quoting information including a user code, business type, quoting code, source currency, and destination currency, the quoting code indicating whether the exchange rate quoting request is allowed; if the quoting code indicates that the exchange rate quoting request is allowed, the quoting center component obtaining configuration information for the exchange rate quoting request from the quoting demand configuration component based on the exchange rate quoting information; the quoting center component querying the latest exchange rate from the price source library component based on the exchange rate quoting information and the configuration information, determining a target exchange rate based on the latest exchange rate, and sending the target exchange rate to the business interaction component, the target exchange rate representing the result of the exchange rate quoting request.

[0005] In some possible implementations, the method further includes: simultaneously calculating the exchange rate between the buyer and seller determined based on the exchange rate quote request; determining the buy price and sell price based on the exchange rate between the buyer and seller; and creating an exception order for the exchange rate quote request if the buy price is greater than the sell price, the exception order being used to terminate the processing of the corresponding exchange rate quote request.

[0006] In some possible implementations, the method further includes: determining an average exchange rate, which represents the average of exchange rate quotes from at least two different channels; and creating an exception order for the exchange rate quote request if the increase in the target exchange rate relative to the average exchange rate exceeds a preset threshold, the exception order being used to terminate the processing of the corresponding exchange rate quote request.

[0007] In some possible implementations, the aforementioned quotation demand configuration component includes a holiday configuration component, a downstream price configuration component, a floating price configuration component, and a user configuration component. The aforementioned quotation center component obtains the configuration information of the aforementioned exchange rate quotation request from the aforementioned quotation demand configuration component based on the aforementioned exchange rate quotation information, including: obtaining the region and time of the aforementioned exchange rate quotation request; obtaining the holiday configuration information of the aforementioned exchange rate quotation request from the aforementioned holiday configuration component based on the region and time of the aforementioned exchange rate quotation request; and obtaining the downstream price configuration information, floating price configuration information, and user configuration information of the aforementioned exchange rate quotation request from the aforementioned downstream price configuration component, the aforementioned floating price configuration component, and the aforementioned user configuration component based on the aforementioned quotation code, the aforementioned source currency, and the aforementioned destination currency, respectively. The aforementioned downstream price configuration information includes the product code, price source, and downstream price floating price configuration information.

[0008] In some possible implementations, the system further includes a price source configuration component, which is communicatively connected to the quotation center component. Before the quotation center component queries the price source database component for the latest exchange rate based on the exchange rate quotation information and the configuration information, the method further includes: when the quotation product corresponding to the product code is enabled, obtaining the price source configuration information for the exchange rate quotation request from the price source configuration component based on the product code and the product channel price source flag information; the price source configuration information includes price source information and channel fluctuation configuration information, and the channel fluctuation configuration information is used to stabilize the channel exchange rate.

[0009] In some possible implementations, the aforementioned price source database component includes a real-time price source database and a fixed price source database. The aforementioned quotation center component queries the price source database component for the latest exchange rate based on the aforementioned exchange rate quotation information and the aforementioned configuration information. This includes: when the quotation code indicates that the exchange rate quotation request is a passive query, the aforementioned quotation center component obtains the latest exchange rate from the aforementioned real-time price source database based on the channel code, exchange rate type, the aforementioned source currency, the aforementioned destination currency, and the settlement period; when the quotation code indicates that the exchange rate quotation request is an active query, the aforementioned quotation center component obtains the latest exchange rate from the fixed price source database based on the aforementioned channel price source flag information, the aforementioned channel code, the aforementioned exchange rate type, the aforementioned source currency, the aforementioned destination currency, and the aforementioned settlement period.

[0010] In some possible implementations, determining the target exchange rate based on the latest exchange rate includes: obtaining Bloomberg swap points when the delivery period differs between the quoted exchange rate and the latest exchange rate; determining the channel exchange rate based on the Bloomberg swap points and the latest exchange rate; determining the channel cost price based on the channel exchange rate, the Bloomberg swap points, and the channel floating configuration information; determining the core exchange rate price based on the channel cost price and the downstream price floating configuration information; and determining the target exchange rate based on the core exchange rate price and the user configuration information.

[0011] In some possible implementations, the above method further includes: when the quotation center component obtains the above holiday configuration information, the above downstream price configuration information, the above price source configuration information, the above floating configuration information, and the above user configuration information, it prioritizes querying the cache.

[0012] According to a second aspect of this disclosure, an electronic device is provided, including at least one processor and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the at least one processor implements the exchange rate quotation management method as described in any one of the first aspects by executing the instructions stored in the memory.

[0013] According to a third aspect of this disclosure, a computer-readable storage medium is provided, wherein at least one instruction or at least one program is stored therein, the at least one instruction or at least one program being loaded and executed by a processor to implement the exchange rate quotation management method as described in any of the first aspects.

[0014] It should be understood that the above general description and the following detailed description are exemplary and explanatory only, and are not intended to limit this disclosure.

[0015] Implementing this disclosure has the following beneficial effects: This disclosure provides a method, device and computer-readable storage medium for exchange rate quotation management. The quotation center obtains the quotation request information from the user, obtains the configuration requirement information of the quotation request from each configuration component, and obtains the target exchange rate of the quotation request information based on the above configuration requirement information, which can meet the exchange rate quotation requests of different regions, different time periods, different customers and different currencies around the world.

[0016] Other features and aspects of this disclosure will become clear from the following detailed description of exemplary embodiments with reference to the accompanying drawings. Attached Figure Description

[0017] To more clearly illustrate the technical solutions and advantages in the embodiments or prior art of this specification, the drawings used in the description of the embodiments or prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of this specification. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0018] Figure 1 A block diagram illustrating an applicable quotation system according to an embodiment of this disclosure;

[0019] Figure 2 A flowchart illustrating an exchange rate quotation management method according to an embodiment of the present disclosure is shown.

[0020] Figure 3 A flowchart illustrating a method for obtaining configuration information according to an embodiment of this disclosure is shown.

[0021] Figure 4 A flowchart illustrating the method for obtaining price source configuration information in an embodiment of this disclosure is shown.

[0022] Figure 5 A flowchart illustrating the method for querying the latest exchange rate in an embodiment of this disclosure is shown;

[0023] Figure 6 This illustration shows a flowchart of a method for determining a target exchange rate based on the latest exchange rate, according to an embodiment of this disclosure.

[0024] Figure 7 This illustration shows a supplementary flowchart of the exchange rate quotation management method in the embodiments of this disclosure. Figure 1 ;

[0025] Figure 8 This illustration shows a supplementary flowchart of the exchange rate quotation management method in the embodiments of this disclosure. Figure 2 ;

[0026] Figure 9 A block diagram of an electronic device according to an embodiment of the present disclosure is shown;

[0027] Figure 10 A block diagram of another electronic device according to an embodiment of the present disclosure is shown. Detailed Implementation

[0028] The technical solutions in the embodiments of this specification will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of this specification, and not all embodiments. Based on the embodiments in this specification, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this invention.

[0029] It should be noted that the terms "first," "second," etc., in the specification, claims, and accompanying drawings of this invention are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of the invention described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover non-exclusive inclusion; for example, a process, method, system, product, or server that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or devices.

[0030] Various exemplary embodiments, features, and aspects of this disclosure will now be described in detail with reference to the accompanying drawings. The same reference numerals in the drawings denote elements that have the same or similar functions. Although various aspects of the embodiments are shown in the drawings, they are not necessarily drawn to scale unless specifically indicated otherwise.

[0031] The term “exemplary” as used herein means “serving as an example, embodiment, or illustration.” Any embodiment illustrated herein as “exemplary” is not necessarily to be construed as superior to or better than other embodiments.

[0032] In this document, the term "and / or" is merely a description of the relationship between related objects, indicating that three relationships can exist. For example, A and / or B can represent three cases: A alone, A and B simultaneously, and B alone. Furthermore, the term "at least one" in this document means any combination of at least two of any one or more elements. For example, including at least one of A, B, and C can mean including any one or more elements selected from the set consisting of A, B, and C.

[0033] Furthermore, to better illustrate this disclosure, numerous specific details are set forth in the following detailed description. Those skilled in the art will understand that this disclosure can be practiced without certain specific details. In some instances, methods, means, components, and circuits well known to those skilled in the art have not been described in detail in order to highlight the main points of this disclosure.

[0034] Figure 1 A block diagram illustrating an applicable quotation system according to an embodiment of this disclosure is shown, such as Figure 1As shown, the above-mentioned quotation system includes a business interaction component, a quotation center component, a quotation request configuration component, a price source library component, and a price source configuration component. Each of the above components is communicatively connected to the quotation center component. The business interaction component is used to obtain the user's quotation request information. The quotation center component is used to respond to the quotation request information obtained by the business interaction component, and obtains the exchange rate corresponding to the quotation request information from the above components according to the quotation request information, and feeds back this exchange rate to the business interaction component.

[0035] In a possible implementation, the aforementioned price demand configuration component includes a holiday configuration component, a downstream price configuration component, a floating configuration component, and a user configuration component, and the aforementioned price source library component includes a real-time price source library and a fixed price source library.

[0036] Figure 2 This diagram illustrates a flowchart of an exchange rate quotation management method according to an embodiment of the present disclosure, such as... Figure 2 As shown, the above method includes:

[0037] S10: The aforementioned quotation center component responds to the exchange rate quotation request from the business interaction component and obtains the business's exchange rate quotation information. The aforementioned exchange rate quotation information includes user code, business type, quotation code, source currency, and destination currency. The aforementioned quotation code is used to indicate whether the aforementioned exchange rate quotation request is allowed.

[0038] In this embodiment of the disclosure, the user sends an exchange rate quotation request to the quotation center component through the aforementioned business interaction component. The exchange rate quotation information corresponding to the aforementioned exchange rate quotation request includes user code, business type, quotation code, source currency, and destination currency. The user code is used to indicate the user's identity information. The business type can be filled in by the user with relevant business remarks, such as overseas purchase, import trade, etc. The aforementioned source currency and destination currency represent the two currency types to be converted, including but not limited to RMB, USD, and EUR.

[0039] In this embodiment of the disclosure, the aforementioned quotation code is pre-assigned to different users by the quotation system. Once assigned, the quotation code cannot be changed. It serves as a mark to verify whether the exchange rate quotation request is valid. If the quotation code passes verification, it indicates that the quotation request is valid and quotation service can be provided. If the quotation code fails verification, it indicates that the quotation request is abnormal and quotation service is refused.

[0040] In this embodiment of the disclosure, users of the above-mentioned quotation system can be Chinese wallets, American wallets, European wallets, Irish wallets, Singapore wallets, etc., and the system can support global exchange rate quotation services.

[0041] S20: If the above quotation code indicates that the above exchange rate quotation request is allowed, the above quotation center component obtains the configuration information of the above exchange rate quotation request from the above quotation demand configuration component based on the above exchange rate quotation information.

[0042] As can be seen from the relevant content of the applicable quotation system in the above-described embodiments of this disclosure, the quotation demand configuration components include holiday configuration components, downstream price configuration components, floating price configuration components, and user configuration components. Figure 3 This is a flowchart illustrating the method by which the aforementioned quotation center component obtains configuration information for the aforementioned exchange rate quotation request from the aforementioned quotation demand configuration component based on the aforementioned exchange rate quotation information. Figure 3 As shown, the above method includes:

[0043] S201: Obtain the region and time of the above-mentioned exchange rate quotation request, and obtain the holiday configuration information of the above-mentioned exchange rate quotation request from the above-mentioned holiday configuration component based on the region and time of the above-mentioned exchange rate quotation request.

[0044] In this embodiment of the disclosure, the region and time corresponding to the user's exchange rate quotation request are obtained through the relevant information of the user's request. Based on the region and time, the holiday configuration component determines whether it is a holiday. The holiday configuration component has a configuration table that determines whether the exchange rate quotation is affected by the holiday.

[0045] S202: Based on the above quotation code, the above source currency, and the above destination currency, obtain the downstream price configuration information, floating configuration information, and user configuration information of the above exchange rate quotation request from the above downstream price configuration component, the above floating configuration component, and the above user configuration component, respectively. The above downstream price configuration information includes the product code, price source, and downstream price floating configuration information.

[0046] In this embodiment of the disclosure, the downstream price configuration information includes product code, price source, and downstream price fluctuation configuration information. The product code corresponds to the quotation code, and the price source comes from major banks, including but not limited to Citibank, Standard Chartered Bank, and Deutsche Bank. The downstream price fluctuation configuration information is used to make differentiated configurations for different regions, different times, and different customers.

[0047] In one specific embodiment, the technical solution provided by this disclosure can provide exchange rate quotes to customers based on working hours and non-working hours: when a US customer initiates a quote request, the system first locates the US region and determines whether the quote request is made on a weekday or a holiday. If it is a holiday and at 8 PM, the system uses the cost price from different channels (Citibank and Standard Chartered Bank, which have different price sources). In this way, differentiated quote configurations can be achieved for customers in different regions and at different times.

[0048] In this embodiment of the disclosure, the aforementioned floating configuration information includes currency floating configuration information. The aforementioned currency floating configuration information refers to the addition of points based on currency floating. In a specific embodiment, the exchange rate of USD to CNY quoted by the People's Bank of China dropped by 1400 basis points, from 7.3 to 7.2. However, in order to adjust market expectations, a rebate of 0.1 is applied to the USD to CNY exchange rate, and the quoted rate to users is still 7.3. Therefore, this configuration is for currency floating. Unlike the aforementioned channel floating, which adjusts a specific currency for a specific bank, the currency floating configuration adds points and rebates to a specific currency.

[0049] In this embodiment of the disclosure, the aforementioned user configuration information is used to maintain specific users, provide rebates to certain large customers or VIP customers, form groups, or provide rebates to new users during promotions.

[0050] Based on the above configuration, the configuration information of the quotation request was obtained from multiple dimensions, realizing multi-dimensional differentiated configuration and meeting various scenarios and problems that may occur in actual applications.

[0051] S30: The aforementioned quotation center component queries the latest exchange rate from the aforementioned price source library component based on the aforementioned exchange rate quotation information and the aforementioned configuration information, determines the target exchange rate based on the aforementioned latest exchange rate, and sends the aforementioned target exchange rate to the aforementioned business interaction component. The aforementioned target exchange rate represents the result of the aforementioned exchange rate quotation request.

[0052] As can be seen from the above-described applicable quotation system of this disclosure, the system further includes a price source configuration component, which is communicatively connected to the quotation center component. Before the quotation center component queries the price source database component for the latest exchange rate based on the exchange rate quotation information and the configuration information, the method further includes, for example, Figure 4 The steps shown are as follows:

[0053] S301: When the quoted product corresponding to the above product code is enabled, the price source configuration information of the above exchange rate quotation request is obtained from the above price source configuration component based on the above product code and product channel price source flag information.

[0054] In this embodiment, the product code can be understood as a price source, and one product code can be used by multiple price quotation codes. External quotations are not allowed if the product code is not enabled; therefore, it needs to be verified to check whether it is enabled.

[0055] S302: The above price source configuration information includes price source information and channel fluctuation configuration information. The above channel fluctuation configuration information is used to stabilize the channel exchange rate.

[0056] In this embodiment, the aforementioned price source information represents the exchange rates between various currency pairs from major banks. The aforementioned channel fluctuation configuration information is used to ensure the stability of the channel exchange rate. Different channel exchange rate quotes may be inconsistent, requiring the equalization of different prices to maintain channel costs. In a specific embodiment, at a certain point in time, due to bank reasons, the USD / CNY exchange rate is very high. At this time, it is necessary to balance the channel exchange rate. Citibank's USD / CNY exchange rate is 7.1, Standard Chartered Bank's USD / CNY exchange rate is 7.2, and Deutsche Bank's USD / CNY exchange rate is 7.8. At this time, Deutsche Bank's exchange rate quote is problematic, and we need to align it. We can configure -0.6, so Deutsche Bank's USD / CNY exchange rate is 7.2. Based on the above configuration, the channel exchange rate is stabilized.

[0057] In the embodiments disclosed herein, the configuration for channel floating is not limited to the alignment method described above, but may also be other algorithms, and this disclosure does not impose any restrictions on them.

[0058] Based on the above configuration, the required price source information can be obtained from the designated price source channel, while taking into account the fluctuation of the channel and ensuring the stability of the channel exchange rate.

[0059] As can be seen from the relevant content of the applicable quotation system in the above-described embodiments of this disclosure, the aforementioned price source library component includes a real-time price source library and a fixed price source library. Figure 5 This illustration shows a flowchart of the method by which the quotation center component queries the latest exchange rate from the price source database component based on the exchange rate quotation information and the configuration information, as shown in this embodiment of the present disclosure. Figure 5 As shown, the above method includes:

[0060] S303: When the above quotation code indicates that the above exchange rate quotation request is a passive query exchange rate, the above quotation center component obtains the latest exchange rate from the above real-time price source database based on the channel code, exchange rate type, the above source currency and the above destination currency, and the delivery period.

[0061] In this embodiment of the disclosure, the quotation code corresponds to the product code. The product code is divided into active quotation and passive quotation, which is generated based on the product code. Active quotation is, for example, a daily price, which generates data and provides a quotation to the user. Passive quotation is based on the real-time exchange rate, which changes in real time.

[0062] In this embodiment of the disclosure, when passively querying the exchange rate, the latest exchange rate collected in real time is obtained from the exchange rate collection center equipped with the above-mentioned quotation system, and the latest exchange rate is used for quotation.

[0063] S304: When the above quotation code indicates that the above exchange rate quotation request is an active query for exchange rate, the above quotation center component obtains the latest exchange rate from the fixed price source database based on the above channel price source identifier information, the above channel code, the above exchange rate type, the above source currency and the above destination currency, and the above delivery period.

[0064] In this embodiment of the disclosure, the fixed exchange rate can be quoted based on different price sources generated according to the actual product code. The price source comes from a certain point in time of the real-time exchange rate, such as Standard Chartered Bank generating a fixed exchange rate at 10 o'clock every day.

[0065] In some possible implementations, the above method also includes verifying the exchange rate capability of the channel, which generally includes the currency pairs that the channel can quote externally.

[0066] Based on the above configuration, the relevant exchange rates are retrieved from different price source databases for different types of quotation requests, thus achieving differentiated responses to exchange rate quotation requests.

[0067] Figure 6 This illustration shows a flowchart of a method for determining a target exchange rate based on the latest exchange rate, as per an embodiment of this disclosure. Figure 6 As shown, the above method includes:

[0068] S305: If the delivery period differs between the quoted exchange rate and the latest exchange rate mentioned above, obtain the Bloomberg swap point and determine the channel exchange rate based on the Bloomberg swap point and the latest exchange rate mentioned above.

[0069] In this embodiment of the disclosure, the settlement period is generated based on currency holidays. Regional holidays determine the regional exchange rate quote, while the settlement period determines the settlement date. For example, if a user initiates a USD to CNY exchange rate transaction with same-day settlement on October 1st in China, the settlement date (settlement date) will be October 8th because it is National Day in China. The settlement period refers to the transaction time for the specific fund transfer.

[0070] In this embodiment of the disclosure, the following formula is generally used for calculation:

[0071] Quotation T0, Channel T1:

[0072] bid=bi d-(on.ask / 10000),ask=ask-(on.bid / 10000)

[0073] Quotation T0, Channel T2:

[0074] bid=bi d-(on.ask / 10000)-(tn.ask / 10000),

[0075] ask=ask-(on.bid / 10000)-(tn.bid / 10000)

[0076] Price T1, Channel T0:

[0077] bid=bi d+(on.ask / 10000),ask=ask+(on.bid / 10000)

[0078] Price T1, Channel T2:

[0079] bid=bi d-(tn.ask / 10000),ask=ask-(tn.bid / 10000)

[0080] Quotation T2, Channel T0:

[0081] bid=bi d+(on.ask / 10000)+(tn.ask / 10000),

[0082] ask=ask+(on.bid / 10000)+(tn.bid / 10000)

[0083] Quotation T2, Channel T1:

[0084] bid=bi d+(tn.ask / 10000),ask=ask+(tn.bid / 10000)

[0085] In this context, T0 represents settlement on the same business day, T1 represents settlement the day after the business day, T2 represents settlement two days after the business day, bid represents the selling price, ask represents the buying price, on represents the overnight swap point, tn represents the next day swap point, and some channels only have the T2 price for third-day settlement. However, if a currency exchange rate quote is required, a T0 exchange rate needs to be provided. In this case, it is necessary to add or subtract some spreads to calculate the T0 exchange rate. For example, subtract the T1 spread from T2 and then subtract the T0 spread to get the T0 exchange rate.

[0086] S306: Determine the channel cost price based on the above-mentioned exchange rate, the above-mentioned Bloomberg swap point, and the above-mentioned channel floating configuration information.

[0087] In this embodiment of the disclosure, the aforementioned channel cost represents the sum of the channel exchange rate, the swap point, and the channel markup.

[0088] S307: Determine the core exchange rate based on the above-mentioned channel cost price and the above-mentioned downstream price fluctuation configuration information.

[0089] In this embodiment of the disclosure, the aforementioned core exchange rate represents the sum of channel cost price and downstream differentiated configuration.

[0090] S308: Determine the target exchange rate based on the above core exchange rate and the above user configuration information.

[0091] In this embodiment of the disclosure, the target exchange rate represents the sum of the core exchange rate and the user-configured points.

[0092] In some embodiments, after determining the target exchange rate, it is also necessary to verify the base currency. The base currency represents the exchange direction of the currency. When the base currency required for the exchange rate quotation is different from the base currency of the target exchange rate, a new base currency needs to be set. In a specific embodiment, for example, the exchange rate between the US dollar and the Chinese yuan, if the base currency is the US dollar, then the exchange rate is 7.2. If the base currency is the Chinese yuan, then the exchange rate is 1 / 7.2 = 0.14.

[0093] In the embodiments of this disclosure, the calculation of the target exchange rate can be adapted to various exchange rate calculation formulas in practical applications. For example, the impact of each floating configuration information on the exchange rate can be specified into certain calculation formulas. At the same time, the results of the target exchange rate and the intermediate exchange rate can be rounded to retain an appropriate number of decimal places according to the actual situation. This disclosure does not impose any restrictions on this.

[0094] Based on the above configuration, the target exchange rate is obtained by combining the above differentiated configuration information. This target exchange rate takes into account multiple scenario parameters and can reasonably reflect the real-time exchange rate situation corresponding to the user's exchange rate quotation request.

[0095] In summary, the technical solution provided in this disclosure can provide differentiated exchange rate quotation services to different customers in different regions and at different times on a global scale based on different dimensions. The integrated quotation service speeds up the response to quotation requests and eliminates the inconvenience and inefficiency caused by frequent switching of systems and interfaces in traditional global quotation services.

[0096] Figure 7 As shown in some possible embodiments of this disclosure, the above-described exchange rate quotation management method further includes the following steps:

[0097] S40: Simultaneously calculate the exchange rate between the buyer and seller determined based on the aforementioned exchange rate quotation request.

[0098] S50: Determine the buying and selling prices based on the exchange rates between the buyers and sellers mentioned above.

[0099] S60: If the above-mentioned buy price is greater than the above-mentioned sell price, an exception order is created for the above-mentioned exchange rate quotation request. The above-mentioned exception order is used to terminate the processing of the corresponding exchange rate quotation request.

[0100] In one specific embodiment, when converting US dollars to RMB, the base currency is US dollars. From the customer's perspective, it is selling US dollars and buying RMB. If the buying price is 7.19, then the exchange rate is 7.19. When converting RMB to US dollars, the base currency is US dollars. From the customer's perspective, it is selling RMB and buying US dollars. If the selling price is 7.20, then the exchange rate is 7.20.

[0101] Figure 8 As shown in some possible embodiments of this disclosure, the above-described exchange rate quotation management method further includes the following steps:

[0102] S70: Determine the average exchange rate, which represents the average of exchange rate quotes from at least two different sources.

[0103] As can be seen from the above, the average exchange rate is calculated based on the exchange rates quoted by multiple banks. In a specific embodiment, the exchange rate between the US dollar and the RMB is 6.9 for Standard Chartered Bank, 7.1 for Citibank, and 7.0 for Deutsche Bank. Therefore, the average exchange rate is 7.0, which is the average of the three banks' exchange rates.

[0104] S80: If the growth rate of the target exchange rate relative to the above average exchange rate exceeds a preset threshold, an exception order is created for the above exchange rate quotation request. The exception order is used to terminate the processing of the corresponding exchange rate quotation request.

[0105] In one specific embodiment, the aforementioned preset threshold is taken as 10% of the average exchange rate. At this time, the exchange rate between the US dollar and the RMB is 6.9 for Standard Chartered Bank, 7.1 for Citibank, and 7.0 for Deutsche Bank. Therefore, the average exchange rate of the three banks is taken as 7.0. When the target exchange rate exceeds 7.7, the exchange rate quotation request is considered abnormal, an abnormal order is created, and the quotation request is terminated.

[0106] Based on the above configuration, risk control is implemented for the exchange rate quotation management method disclosed herein from the perspectives of the buying price, selling price, and average exchange rate. This improves the automation and robustness of the exchange rate quotation management method and quotation system disclosed herein, enabling it to better cope with abnormal situations that may occur in practical applications, while effectively reducing the risk of trading losses.

[0107] In some possible embodiments of this disclosure, when the aforementioned quotation center component obtains the aforementioned holiday configuration information, downstream price configuration information, price source configuration information, floating configuration information, and user configuration information, it prioritizes querying the cache. For example, if the holiday configuration table maintains a specific number of days, it can be cached on a specific day. For instance, if a certain exchange rate quotation request is for October 1st, which is a holiday in China, the cache can be queried first, eliminating the need to query the table every time, effectively reducing request time and improving the system's response speed.

[0108] Those skilled in the art will understand that, in the above-described method of the specific implementation, the order in which the steps are written does not imply a strict execution order and does not constitute any limitation on the implementation process. The specific execution order of each step should be determined by its function and possible internal logic.

[0109] It is understood that the various method embodiments mentioned above in this disclosure can be combined with each other to form combined embodiments without violating the principle and logic. Due to space limitations, this disclosure will not elaborate further.

[0110] This disclosure also proposes a computer-readable storage medium storing at least one instruction or at least one program segment, which, when loaded and executed by a processor, implements the aforementioned method. The computer-readable storage medium may be a non-volatile computer-readable storage medium.

[0111] This disclosure also proposes an electronic device, including: a processor; and a memory for storing processor-executable instructions; wherein the processor is configured for the aforementioned exchange rate quotation management method.

[0112] Electronic devices can be provided as terminals, servers, or other forms of devices.

[0113] Figure 9 This diagram illustrates a block diagram of an electronic device according to an embodiment of the present disclosure. For example, the electronic device 800 may be a mobile phone, computer, digital broadcasting terminal, messaging device, game console, tablet device, medical device, fitness equipment, personal digital assistant, or other terminal.

[0114] Reference Figure 9 The electronic device 800 may include one or more of the following components: a processing component 802, a memory 804, a power supply component 806, a multimedia component 808, an audio component 810, an input / output (I / O) interface 812, a sensor component 814, and a communication component 816.

[0115] Processing component 802 typically controls the overall operation of electronic device 800, such as operations associated with display, telephone calls, data communication, camera operation, and recording operations. Processing component 802 may include one or more processors 820 to execute instructions to complete all or part of the steps of the methods described above. Furthermore, processing component 802 may include one or more modules to facilitate interaction between processing component 802 and other components. For example, processing component 802 may include a multimedia module to facilitate interaction between multimedia component 808 and processing component 802.

[0116] Memory 804 is configured to store various types of data to support the operation of electronic device 800. Examples of this data include instructions for any application or method operating on electronic device 800, contact data, phonebook data, messages, pictures, videos, etc. Memory 804 can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic storage, flash memory, magnetic disk, or optical disk.

[0117] Power supply component 806 provides power to various components of electronic device 800. Power supply component 806 may include a power management system, one or more power supplies, and other components associated with generating, managing, and distributing power to electronic device 800.

[0118] Multimedia component 808 includes a screen that provides an output interface between the aforementioned electronic device 800 and the user. In some embodiments, the screen may include a liquid crystal display (LCD) and a touch panel (TP). If the screen includes a touch panel, the screen may be implemented as a touchscreen to receive input signals from the user. The touch panel includes one or more touch sensors to sense touches, swipes, and gestures on the touch panel. The touch sensors may sense not only the boundaries of touch or swipe actions but also the duration and pressure associated with the touch or swipe operation. In some embodiments, multimedia component 808 includes a front-facing camera and / or a rear-facing camera. When the electronic device 800 is in an operating mode, such as a shooting mode or a video mode, the front-facing camera and / or the rear-facing camera may receive external multimedia data. Each front-facing camera and rear-facing camera may be a fixed optical lens system or have focal length and optical zoom capabilities.

[0119] Audio component 810 is configured to output and / or input audio signals. For example, audio component 810 includes a microphone (MIC) configured to receive external audio signals when electronic device 800 is in an operating mode, such as call mode, recording mode, and voice recognition mode. The received audio signals may be further stored in memory 804 or transmitted via communication component 816. In some embodiments, audio component 810 also includes a speaker for outputting audio signals.

[0120] I / O interface 812 provides an interface between processing component 802 and peripheral interface modules, such as keyboards, click wheels, buttons, etc. These buttons may include, but are not limited to, home buttons, volume buttons, power buttons, and lock buttons.

[0121] Sensor assembly 814 includes one or more sensors for providing state assessments of various aspects of electronic device 800. For example, sensor assembly 814 can detect the on / off state of electronic device 800, the relative positioning of components such as the display and keypad of electronic device 800, changes in position of electronic device 800 or a component of electronic device 800, the presence or absence of user contact with electronic device 800, orientation or acceleration / deceleration of electronic device 800, and temperature changes of electronic device 800. Sensor assembly 814 may include a proximity sensor configured to detect the presence of nearby objects without any physical contact. Sensor assembly 814 may also include a light sensor, such as a CMOS or CCD image sensor, for use in imaging applications. In some embodiments, sensor assembly 814 may also include an accelerometer, gyroscope, magnetometer, pressure sensor, or temperature sensor.

[0122] Communication component 816 is configured to facilitate wired or wireless communication between electronic device 800 and other devices. Electronic device 800 can access wireless networks based on communication standards, such as WiFi, 2G, 3G, 4G, 5G, or combinations thereof. In one exemplary embodiment, communication component 816 receives broadcast signals or broadcast-related information from an external broadcast management system via a broadcast channel. In one exemplary embodiment, the aforementioned communication component 816 also includes a near-field communication (NFC) module to facilitate short-range communication. For example, the NFC module may be implemented based on radio frequency identification (RFI) technology, Infrared Data Association (IRDA) technology, ultra-wideband (UWB) technology, Bluetooth (BT) technology, and other technologies.

[0123] In an exemplary embodiment, the electronic device 800 may be implemented by one or more application-specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field-programmable gate arrays (FPGAs), controllers, microcontrollers, microprocessors, or other electronic components to perform the exchange rate management method described above.

[0124] In an exemplary embodiment, a non-volatile computer-readable storage medium is also provided, such as a memory 804 including computer program instructions, which can be executed by a processor 820 of an electronic device 800 to complete the exchange rate quotation management method described above.

[0125] Figure 10 A block diagram of another electronic device according to an embodiment of the present disclosure is shown. For example, electronic device 1900 may be provided as a server. (Refer to...) Figure 10The electronic device 1900 includes a processing component 1922, which further includes one or more processors, and memory resources represented by memory 1932 for storing instructions, such as application programs, that can be executed by the processing component 1922. The application programs stored in memory 1932 may include one or more modules, each corresponding to a set of instructions. Furthermore, the processing component 1922 is configured to execute instructions to perform the aforementioned exchange rate quotation management method.

[0126] Electronic device 1900 may also include a power supply component 1926 configured to perform power management of electronic device 1900, a wired or wireless network interface 1950 configured to connect electronic device 1900 to a network, and an input / output (I / O) interface 1958. Electronic device 1900 can operate on an operating system stored in memory 1932, such as Windows Server™, Mac OS X™, Unix™, Linux™, FreeBSD™, or similar.

[0127] In an exemplary embodiment, a non-volatile computer-readable storage medium is also provided, such as a memory 1932 including computer program instructions, which can be executed by a processing component 1922 of an electronic device 1900 to complete the exchange rate management method described above.

[0128] This disclosure can be a system, method, and / or computer program product. A computer program product may include a computer-readable storage medium having computer-readable program instructions loaded thereon for causing a processor to implement various aspects of this disclosure.

[0129] Computer-readable storage media can be tangible devices capable of holding and storing instructions for use by an instruction execution device. Computer-readable storage media can be, for example—but not limited to—electrical storage devices, magnetic storage devices, optical storage devices, electromagnetic storage devices, semiconductor storage devices, or any suitable combination thereof. More specific examples (a non-exhaustive list) of computer-readable storage media include: portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), static random access memory (SRAM), portable compact disc read-only memory (CD-ROM), digital multifunction disc (DVD), memory sticks, floppy disks, mechanical encoding devices, such as punch cards or recessed protrusions storing instructions thereon, and any suitable combination thereof. The computer-readable storage media used herein are not to be construed as transient signals themselves, such as radio waves or other freely propagating electromagnetic waves, electromagnetic waves propagating through waveguides or other transmission media (e.g., light pulses through fiber optic cables), or electrical signals transmitted through wires.

[0130] The computer-readable program instructions described herein can be downloaded from computer-readable storage media to various computing / processing devices, or downloaded via a network, such as the Internet, local area network, wide area network, and / or wireless network, to an external computer or external storage device. The network may include copper transmission cables, fiber optic transmission, wireless transmission, routers, firewalls, switches, gateway computers, and / or edge servers. A network adapter card or network interface in each computing / processing device receives the computer-readable program instructions from the network and forwards them to the computer-readable storage media in the respective computing / processing device.

[0131] The computer program instructions used to perform the operations of this disclosure may be assembly instructions, instruction set architecture (ISA) instructions, machine instructions, machine-dependent instructions, microcode, firmware instructions, status setting data, or source code or object code written in any combination of one or more programming languages, including object-oriented programming languages ​​such as Smalltalk, C++, etc., and conventional procedural programming languages ​​such as the "C" language or similar programming languages. The computer-readable program instructions may execute entirely on the user's computer, partially on the user's computer, as a stand-alone software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In cases involving remote computers, the remote computer may be connected to the user's computer via any type of network—including a local area network (LAN) or a wide area network (WAN)—or may be connected to an external computer (e.g., via the Internet using an Internet service provider). In some embodiments, electronic circuits, such as programmable logic circuits, field-programmable gate arrays (FPGAs), or programmable logic arrays (PLAs), are personalized by utilizing state information of computer-readable program instructions. These electronic circuits can execute computer-readable program instructions to implement various aspects of this disclosure.

[0132] Various aspects of this disclosure are described herein with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of this disclosure. It should be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer-readable program instructions.

[0133] These computer-readable program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing apparatus to produce a machine such that, when executed by the processor of the computer or other programmable data processing apparatus, they create means for implementing the functions / actions specified in one or more blocks of the flowchart and / or block diagram. These computer-readable program instructions can also be stored in a computer-readable storage medium that causes a computer, programmable data processing apparatus, and / or other device to operate in a particular manner; thus, the computer-readable medium storing the instructions comprises an article of manufacture that includes instructions for implementing aspects of the functions / actions specified in one or more blocks of the flowchart and / or block diagram.

[0134] Computer-readable program instructions may also be loaded onto a computer, other programmable data processing apparatus, or other device to cause a series of operational steps to be performed on the computer, other programmable data processing apparatus, or other device to produce a computer-implemented process, thereby causing the instructions executed on the computer, other programmable data processing apparatus, or other device to perform the functions / actions specified in one or more boxes of a flowchart and / or block diagram.

[0135] 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 disclosure. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of an instruction, which includes one or more executable instructions for implementing a specified logical function. In some alternative implementations, the functions specified in the blocks may occur in a different order than those specified in the drawings. For example, two consecutive 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 the block diagrams and / or flowcharts, and combinations of blocks in the block diagrams and / or flowcharts, may be implemented using a dedicated hardware-based system that performs the specified function or action, or using a combination of dedicated hardware and computer instructions.

[0136] The various embodiments of this disclosure have been described above. These descriptions are exemplary and not exhaustive, nor are they limited to the disclosed embodiments. Many modifications and variations will be apparent to those skilled in the art without departing from the scope and spirit of the described embodiments. The terminology used herein is chosen to best explain the principles, practical application, or technical improvements to the embodiments in the market, or to enable others skilled in the art to understand the embodiments disclosed herein.

Claims

1. A method for managing exchange rate quotes, applied to a quote system, characterized in that, The system includes: a business interaction component, a quotation center component, a quotation requirement configuration component, and a price source library component. The quotation center component is communicatively connected to the above components. The method includes: The quotation center component responds to the exchange rate quotation request from the business party interaction component and obtains the exchange rate quotation information from the business party. The exchange rate quotation information includes user code, business type, quotation code, source currency and destination currency. The quotation code is a pre-assigned and unchangeable permission identifier used to indicate whether the exchange rate quotation request is allowed. If the quotation code indicates that the exchange rate quotation request is allowed, the quotation center component obtains the configuration information of the exchange rate quotation request from the quotation demand configuration component based on the exchange rate quotation information; The quotation center component queries the latest exchange rate from the price source library component based on the exchange rate quotation information and the configuration information, determines the target exchange rate based on the latest exchange rate, and sends the target exchange rate to the business interaction component. The target exchange rate represents the result of the exchange rate quotation request. The quotation request configuration component includes a holiday configuration component, a downstream price configuration component, a floating price configuration component, and a user configuration component. The quotation center component obtains the configuration information for the exchange rate quotation request from the quotation request configuration component based on the exchange rate quotation information, including: Obtain the region and time of the exchange rate quote request, and obtain the holiday configuration information of the exchange rate quote request from the holiday configuration component based on the region and time of the exchange rate quote request; Based on the quote code, the source currency, and the destination currency, the downstream price configuration information, the floating configuration information, and the user configuration information of the exchange rate quote request are obtained from the downstream price configuration component, the floating configuration component, and the user configuration component, respectively. The downstream price configuration information includes the product code, the price source, and the downstream price floating configuration information. The price source database component includes a real-time price source database and a fixed price source database. The quotation center component queries the price source database component for the latest exchange rate based on the exchange rate quotation information and the configuration information, including: When the quotation code indicates that the exchange rate quotation request is a passive query exchange rate, the quotation center component obtains the latest exchange rate from the real-time price source database based on the channel code, exchange rate type, source currency, destination currency, and settlement period; When the quotation code indicates that the exchange rate quotation request is an active exchange rate query, the quotation center component retrieves the latest exchange rate from the fixed price source database based on the channel price source identifier information, the channel code, the exchange rate type, the source currency, the destination currency, and the settlement period.

2. The method according to claim 1, characterized in that, The method further includes: Simultaneously calculate the exchange rate between the buyer and seller determined based on the exchange rate quote request; The buying and selling prices are determined based on the exchange rate between the buyer and seller. If the buy price is greater than the sell price, an exception order is created for the exchange rate quote request, and the exception order is used to terminate the processing of the corresponding exchange rate quote request.

3. The method according to claim 1 or 2, characterized in that, The method further includes: Determine an average exchange rate, which represents the average of exchange rate quotes from at least two different sources; If the increase in the target exchange rate relative to the average exchange rate exceeds a preset threshold, an exception order is created for the exchange rate quote request, and the exception order is used to terminate the processing of the corresponding exchange rate quote request.

4. The method according to claim 3, characterized in that, The system further includes a price source configuration component, which is communicatively connected to the quotation center component. Before the quotation center component queries the price source database component for the latest exchange rate based on the exchange rate quotation information and the configuration information, the method further includes: When the product code indicates that the corresponding quoted product is enabled, the price source configuration information of the exchange rate quotation request is obtained from the price source configuration component based on the product code and the product channel price source flag information. The price source configuration information includes price source information and channel fluctuation configuration information, and the channel fluctuation configuration information is used to stabilize the channel exchange rate.

5. The method according to claim 4, characterized in that, The determination of the target exchange rate based on the latest exchange rate includes: If the delivery period differs between the quoted exchange rate and the latest exchange rate, obtain the Bloomberg swap point, and determine the channel exchange rate based on the Bloomberg swap point and the latest exchange rate; The channel cost price is determined based on the channel exchange rate, the Bloomberg swap point, and the channel floating configuration information. The core exchange rate price is determined based on the channel cost price and the downstream price fluctuation configuration information. The target exchange rate is determined based on the core exchange rate and the user configuration information.

6. The method according to claim 5, characterized in that, The method further includes: When the quotation center component obtains the holiday configuration information, the downstream price configuration information, the price source configuration information, the floating configuration information, and the user configuration information, it prioritizes querying the cache.

7. An electronic device, characterized in that, The system includes at least one processor and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the at least one processor implements the exchange rate quotation management method as described in any one of claims 1 to 6 by executing the instructions stored in the memory.

8. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores at least one instruction or at least one program, which is loaded and executed by a processor to implement the exchange rate quotation management method as described in any one of claims 1 to 6.

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