Information processing method and apparatus, device, medium, and product

Abstract

The application provides an information processing method, device and equipment, medium and product. The method comprises the following steps: obtaining target exchange rate update information provided by a target electronic resource pair, wherein the target exchange rate update information is determined according to exchange rate update information provided by at least one exchange rate providing object subscribed by the target electronic resource pair; determining the information type of the target exchange rate update information; and performing update processing on the fair exchange rate of the target electronic resource pair according to the determined information type, to obtain the updated fair exchange rate of the target electronic resource pair, wherein the updated fair exchange rate comprises exchange rate prices of the target electronic resource pair in different delivery periods. According to the application, the fair exchange rate can be comprehensively updated according to the exchange rate update information provided by the subscribed multiple exchange rate providing objects.

Description

Technical Field

[0001] This application relates to the field of computer technology, and in particular to an information processing method, an information processing apparatus, a computer device, a computer-readable storage medium, and a computer program product. Background Technology

[0002] The fair exchange rate is used to indicate the current transaction price of foreign exchange transactions in the foreign exchange market and is a relatively reliable indicator. However, for different electronic resource pairs or at different settlement dates, the transaction frequency in the foreign exchange market may be low, which will make it slower for institutions to obtain the fair exchange rate for certain electronic resource pairs.

[0003] Currently, the fair exchange rate of the target electronic resource pair is mainly obtained through proactive inquiry. That is, the inquiry frequency of the fair exchange rate is controlled according to the institution's own requirements for the frequency of acquisition. If the inquiry frequency is too low, some important information may be missed, resulting in a distortion of the perception of the transaction price. Summary of the Invention

[0004] This application proposes an information processing method, apparatus, device, medium, and product that can perform a more comprehensive and fair exchange rate update based on exchange rate update information provided by multiple subscribed exchange rate providers.

[0005] On one hand, embodiments of this application provide an information processing method, which includes:

[0006] Obtain target exchange rate updates for a target electronic resource pair, the target exchange rate updates being determined based on exchange rate updates provided by at least one subscribed exchange rate provider;

[0007] Determine the type of information for target exchange rate updates;

[0008] Based on the determined information type, the fair exchange rate of the target electronic resource pair is updated to obtain the updated fair exchange rate of the target electronic resource pair.

[0009] The updated fair exchange rate includes the exchange rate price of the target electronic resource pair at different delivery periods; if the determined information type is the first type, the exchange rate price of the target electronic resource pair at different delivery periods is determined based on the reference information of the second type; or, if the determined information type is the second type, the exchange rate price of the target electronic resource pair at different delivery periods is determined based on the reference information of the first type.

[0010] On one hand, embodiments of this application provide an information processing apparatus, which includes:

[0011] The acquisition unit is used to acquire target exchange rate update information provided for a target electronic resource pair, wherein the target exchange rate update information is determined based on exchange rate update information provided by at least one subscribed exchange rate provider.

[0012] The processing unit is used to determine the information type of the target exchange rate update information;

[0013] The processing unit is also used to update the fair exchange rate of the target electronic resource pair according to the determined information type, so as to obtain the updated fair exchange rate of the target electronic resource pair.

[0014] The updated fair exchange rate includes the exchange rate price of the target electronic resource pair at different delivery periods; if the determined information type is the first type, the exchange rate price of the target electronic resource pair at different delivery periods is determined based on the reference information of the second type; or, if the determined information type is the second type, the exchange rate price of the target electronic resource pair at different delivery periods is determined based on the reference information of the first type.

[0015] In one possible implementation, the target exchange rate update information is obtained through a message event bus; at least one exchange rate update information sent by an exchange rate provider object can be obtained from the message event bus, and each exchange rate update information is obtained after standardization.

[0016] The process of obtaining exchange rate update information through standardization includes: classifying any exchange rate update information to be processed, and then standardizing it according to the standardized format corresponding to the information type determined after classification to obtain the exchange rate update information.

[0017] In one possible implementation, any pending exchange rate update information is categorized and tagged with information tags, including price information tags or swap point tags; the processing unit determines the information type of the target exchange rate update information and performs the following operations:

[0018] Obtain the information tag for the target exchange rate update information. If the information tag is a price information tag, then determine that the information type of the target exchange rate update information is the first type.

[0019] If the information label is a swap point label, then the information type of the target exchange rate update information is determined to be the second type.

[0020] In one possible implementation, the target exchange rate update information includes either a first type of target price update information or a second type of target swap point update information;

[0021] The target price update information includes at least one or more of the following: first tag field, resource pair type field, buy price field, sell price field, delivery period field, and update timestamp field;

[0022] The target swap point update information includes at least one or more of the following: a second tag field, a resource pair type field, a first swap point field, a second swap point field, and an update timestamp field;

[0023] The delivery period field stores the target delivery period as T+2. The first swap point field is used to store the first buy swap point and the first sell swap point for the delivery period of T+1. The second swap point field is used to store the second buy swap point and the second sell swap point for the delivery period of T+2. T is a positive integer.

[0024] In one possible implementation, the processing unit updates the fair exchange rate of the target electronic resource pair according to a determined information type to obtain the updated fair exchange rate of the target electronic resource pair, which is then used to perform the following operations:

[0025] If the determined information type is the first type, then obtain the reference swap point information of the second type;

[0026] Based on the target price update information of the first type and the reference swap point information of the second type, the fair exchange rate of the target electronic resource pair is updated to obtain the updated fair exchange rate of the target electronic resource pair.

[0027] In one possible implementation, the updated fair exchange rate includes any one or both of the exchange rate for T+1 settlement and the exchange rate for T+0 settlement.

[0028] The processing unit updates the fair exchange rate of the target electronic resource pair based on the target price update information of the first type and the reference swap point information of the second type, to obtain the updated fair exchange rate of the target electronic resource pair, including any one or two of the following steps:

[0029] Based on the target price update information and the content stored in the second swap point field of the reference swap point information, the exchange rate price of the target electronic resource pair at the T+1 settlement period is determined;

[0030] Based on the price update information for the T+1 settlement period and the content stored in the first swap point field of the reference swap point information, determine the exchange rate price of the target electronic resource pair for the T+0 settlement period.

[0031] In one possible implementation, the exchange rate price includes a buying price and a selling price; the processing unit determines the exchange rate price of the target electronic resource pair at the T+1 settlement period based on the target price update information and the content stored in the second swap point field of the reference swap point information, for the following operations:

[0032] If the second sell swap point stored in the second swap point field of the reference swap point information is greater than the second buy swap point, then the buy price of the target electronic resource pair at the T+1 delivery period is determined based on the content stored in the buy price field of the target price update information and the second sell swap point; and the sell price of the target electronic resource pair at the T+1 delivery period is determined based on the content stored in the sell price field of the target price update information and the second buy swap point; or...

[0033] If the second sell swap point stored in the second swap point field of the reference swap point information is less than the second buy swap point, then the buy price of the target electronic resource pair at the T+1 delivery period is determined based on the content stored in the buy price field of the target price update information and the second buy swap point; and the sell price of the target electronic resource pair at the T+1 delivery period is determined based on the content stored in the sell price field of the target price update information and the second sell swap point.

[0034] In one possible implementation, the processing unit updates the fair exchange rate of the target electronic resource pair according to a determined information type to obtain the updated fair exchange rate of the target electronic resource pair, which is then used to perform the following operations:

[0035] If the determined information type is the second type, then obtain the reference exchange rate price information of the first type;

[0036] Based on the second type of target swap point information and the first type of reference exchange rate price information, the fair exchange rate of the target electronic resource pair is updated to obtain the updated fair exchange rate of the target electronic resource pair.

[0037] In one possible implementation, the updated fair exchange rate includes: any one or both of the exchange rate for T+1 settlement and the exchange rate for T+0 settlement; T is a positive integer; the reference exchange rate information includes the exchange rate for T+2 settlement.

[0038] The processing unit updates the fair exchange rate of the target electronic resource pair based on the second type of target swap point information and the first type of reference exchange rate price information, to obtain the updated fair exchange rate of the target electronic resource pair, including any one or two of the following steps:

[0039] Based on the reference exchange rate price information and the content stored in the second swap point field of the target swap point information, determine the exchange rate price of the target electronic resource pair at the T+1 delivery period;

[0040] Based on the price update information for the T+1 settlement period and the content stored in the first swap point field of the target swap point information, determine the exchange rate price of the target electronic resource pair for the T+0 settlement period.

[0041] In one possible implementation, the target electronic resource pair includes a first electronic resource and a second electronic resource; the processing unit is further configured to perform the following operations:

[0042] The activity level of the target electronic resource pair is obtained. If the activity level is greater than or equal to a preset threshold, the fair exchange rate of the reference electronic resource pair is obtained. The reference electronic resource pair refers to a resource pair that includes the first electronic resource or the second electronic resource.

[0043] Obtain the fair exchange rate of the cross-electronic resource pair based on the fair exchange rate of the reference electronic resource pair and the updated fair exchange rate of the target electronic resource pair.

[0044] In one possible implementation, if the reference electronic resource pair includes the first electronic resource and the third electronic resource, then the cross electronic resource pair includes the second electronic resource and the third electronic resource.

[0045] The processing unit obtains the fair exchange rate of the cross-electronic resource pair based on the fair exchange rate of the reference electronic resource pair and the updated fair exchange rate of the target electronic resource pair, and uses it to perform the following operations:

[0046] Based on the fair exchange rate of the reference electronic resource pair and the updated fair exchange rate of the target electronic resource pair, determine the exchange rate price of the target electronic resource pair at the target delivery date and the exchange rate ratio between the reference electronic resource pair and the target electronic resource pair at the target delivery date.

[0047] Determine the exchange rate price of the cross-electronic resource pair at the target delivery date based on the exchange rate ratio.

[0048] On one hand, embodiments of this application provide a computer device, which includes a memory and a processor. The memory stores a computer program, and when the computer program is executed by the processor, the processor performs the information processing method described above.

[0049] On one hand, embodiments of this application provide a computer-readable storage medium storing a computer program, which, when read and executed by a processor of a computer device, causes the computer device to perform the aforementioned information processing method.

[0050] On one hand, embodiments of this application provide a computer program product or computer program that includes computer instructions stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium and executes the computer instructions, causing the computer device to perform the aforementioned information processing method.

[0051] In this embodiment, target exchange rate update information for a target electronic resource pair is obtained. This target exchange rate update information is determined based on exchange rate update information provided by at least one subscribed exchange rate provider. The information type of the target exchange rate update information is determined, and the fair exchange rate of the target electronic resource pair is updated according to the determined information type to obtain the updated fair exchange rate of the target electronic resource pair. The updated fair exchange rate includes exchange rate prices for different settlement periods. If the determined information type is a first type, the exchange rate price of the target electronic resource pair for different settlement periods is determined based on reference information of a second type; or, if the determined information type is a second type, the exchange rate price of the target electronic resource pair for different settlement periods is determined based on reference information of a first type. Therefore, this application allows for the subscription of multiple exchange rate providers for a target electronic resource pair, enabling the provision of richer and more comprehensive exchange rate update information, thus making the latest exchange rate update information more accurate and reliable. Furthermore, the latest exchange rate update information can also be used to determine the exchange rate price of the target electronic resource pair for different settlement periods, thereby providing a more comprehensive fair exchange rate. Attached Figure Description

[0052] To more clearly illustrate the technical solutions of the embodiments of this application, the drawings used in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0053] Figure 1a This is a schematic diagram of an information subscription process provided in an embodiment of this application;

[0054] Figure 1b This is a schematic diagram of an information processing flow provided in an embodiment of this application;

[0055] Figure 2 This is a schematic diagram of the architecture of an information processing system provided in an embodiment of this application;

[0056] Figure 3 This is a flowchart illustrating an information processing method provided in an embodiment of this application;

[0057] Figure 4 This is a flowchart illustrating a method for updating the fair exchange rate provided in an embodiment of this application;

[0058] Figure 5 This is a flowchart illustrating another method for updating the fair exchange rate provided in an embodiment of this application;

[0059] Figure 6 This is a schematic diagram of an information processing scenario provided in an embodiment of this application;

[0060] Figure 7 This is a schematic diagram of the structure of an information processing device provided in an embodiment of this application;

[0061] Figure 8 This is a schematic diagram of the structure of a computer device provided in an embodiment of this application. Detailed Implementation

[0062] Exemplary embodiments will now be described in detail, examples of which are illustrated in the accompanying drawings. When the following description relates to the drawings, unless otherwise indicated, the same numbers in different drawings represent the same or similar elements. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this application.

[0063] This application proposes an information processing scheme in which multiple exchange rate providers can be subscribed to obtain the latest exchange rate update information, thereby improving the comprehensiveness and sensitivity of the updated fair exchange rate. The principle of this information processing scheme mainly includes: acquiring target exchange rate update information provided for a target electronic resource pair, which is determined based on exchange rate update information provided by at least one subscribed exchange rate provider; determining the information type of the target exchange rate update information; and updating the fair exchange rate of the target electronic resource pair according to the determined information type to obtain the updated fair exchange rate of the target electronic resource pair. The updated fair exchange rate includes exchange rate prices for different settlement periods. If the determined information type is a first type, the exchange rate price of the target electronic resource pair for different settlement periods is determined based on reference information of a second type; or, if the determined information type is a second type, the exchange rate price of the target electronic resource pair for different settlement periods is determined based on reference information of a first type.

[0064] Therefore, this application allows for the subscription of multiple exchange rate providers for the target electronic resource pair, ensuring richer and more comprehensive exchange rate updates, thus guaranteeing that the latest exchange rate updates obtained are more accurate and reliable. In addition, based on the latest exchange rate updates, the exchange rate price of the target electronic resource pair at different delivery periods can be determined, thereby providing a more comprehensive fair exchange rate.

[0065] Next, combined Figure 1a and Figure 1b This application provides a detailed description of the relevant principles and technical terms of the information processing solution provided:

[0066] First, please see Figure 1a , Figure 1a This is a schematic diagram of an information subscription process provided in an embodiment of this application. For example... Figure 1a As shown, it is possible to subscribe to multiple exchange rate providers (e.g., exchange rate provider 1, exchange rate provider 2... exchange rate provider n), and to subscribe to exchange rate updates for multiple electronic resource pairs (specifically including price updates and swap point updates). Based on corresponding exchange rate / swap point receivers, it receives the exchange rate updates pushed by each exchange rate provider for each electronic resource pair. Finally, each receiver can store the received exchange rate updates in the message event bus. In this application, the received exchange rate updates can be stored using cloud storage technology. Cloud storage is a new concept extended and developed from cloud computing. A distributed cloud storage system (hereinafter referred to as a storage system) refers to a storage system that uses cluster applications, grid technology, and distributed storage file systems to aggregate a large number of various types of storage devices (also called storage nodes) in a network through application software or application interfaces to work collaboratively and provide data storage and business access functions.

[0067] Specifically Figure 1a The diagram illustrates a subscription method for exchange rate price information and swap point information based on streaming exchange rates. Streaming exchange rates refer to the proactive and continuous push of the latest exchange rate updates to customers (e.g., third-party payment institutions) by the exchange rate provider through a Financial Information Exchange (FIX) protocol. Compared to the traditional method of customers actively inquiring with the exchange rate provider, the streaming exchange rate-based message push method in this application is more frequent and timely, ensuring the reliability of the target exchange rate updates. Simultaneously, the data volume involved in the streaming exchange rate-based message push method is also much larger. Therefore, this application can utilize cloud storage technology to store the exchange rate updates of different electronic resource pairs based on streaming exchange rates on different types of storage devices, thereby jointly constructing a storage system that provides data storage and business access functions. Figure 1a The message event bus shown is deployed as an information storage system, which can be used to store exchange rate update information from different electronic resource pairs pushed by various exchange rate providers.

[0068] Further, please see Figure 1b , Figure 1b This is a schematic flowchart illustrating an information processing method provided in an embodiment of this application. It should be understood that, from... Figure 1a After obtaining the target exchange rate update information from the message event bus shown, as follows: Figure 1b As shown, the information type of the target exchange rate update information can be determined based on different exchange rate receiving processors, where different exchange rate receiving processors are used to process exchange rate update information of different information types. Then, the fair exchange rate of the target electronic resource pair is updated according to the determined information type to obtain the updated fair exchange rate of the target electronic resource pair, which allows the calculation of the exchange rate price of the target electronic resource pair at different delivery periods. The above calculation process of the fair exchange rate often involves large-scale computation, thus requiring significant computing power and storage space. Therefore, cloud computing technology can be used to obtain sufficient computing power and storage space to execute the specific process of updating the fair exchange rate of the target electronic resource pair involved in this application.

[0069] Cloud computing refers to the delivery and usage model of IT infrastructure, specifically obtaining necessary resources (i.e., process orchestration information and node configuration information for each target use case node) through a network in an on-demand and easily scalable manner. In a broader sense, cloud computing refers to the delivery and usage model of services, specifically obtaining necessary services through a network in an on-demand and easily scalable manner. These services can be IT and software-related, internet-related, or other services. Cloud computing is a product of the development and integration of traditional computer and network technologies such as grid computing, distributed computing, parallel computing, utility computing, network storage technologies, virtualization, and load balancing.

[0070] It should be understood that, such as Figure 1b As shown, after updating the fair exchange rate of the target electronic resource pair, it is possible to further determine whether the target electronic resource pair is an active type of electronic resource pair. If so, inactive type electronic resource pairs can be further calculated based on the active type of target electronic resource pair, thereby providing a richer and more comprehensive fair exchange rate to fair exchange rate users.

[0071] Understandably, the information processing scheme in this application involves a large amount of data (such as exchange rate updates pushed by various exchange rate providers). This data can be uploaded to a blockchain for storage. A blockchain is a novel application model of computer technologies such as distributed data storage, peer-to-peer transmission, consensus mechanisms, and encryption algorithms. Essentially, a blockchain is a decentralized database, a chain of data blocks linked using cryptographic methods. Each data block contains information about a batch of network transactions, used to verify the validity of the information (anti-counterfeiting) and generate the next block. Based on this method, uploading the target exchange rate update information to the blockchain for storage ensures that the data on the blockchain is not easily tampered with, thereby ensuring the security and reliability of the information processing process.

[0072] In summary Figure 1a and Figure 1b The principle of the information processing scheme provided in this application embodiment can include at least the following processes:

[0073] 1) Simultaneously subscribe to multiple different exchange rate providers to obtain exchange rate update information (i.e., price update information, swap point update information) pushed by each exchange rate provider, and standardize the exchange rate update information to drive fair exchange rate users to update the fair exchange rate.

[0074] 2) Price update information and swap point update information are handled by two separate processors (e.g., Figure 1b The exchange rate update processor and swap point update processor (as shown) perform calculations. For example, the exchange rate update processor processes price update information, and the swap point update processor processes swap point update information. In summary, the fair exchange rate for multiple delivery periods is calculated based on the interdependence between swap points and the fair exchange rate.

[0075] 3) After the fair exchange rate is updated, the activity level of the electronic resource pair can also be determined. If it is an active electronic resource pair, the fair exchange rate of the inactive electronic resource pair that the fair exchange rate user is concerned about can be updated through cross-calculation of electronic resource pairs, so as to provide the fair exchange rate user with a richer and more comprehensive fair exchange rate.

[0076] It should be noted that in the subsequent specific embodiments of this application, when object information and other related data are involved, the above embodiments of this application are applied to specific products or technologies, and the object's permission or consent must be obtained. Furthermore, the collection, use and processing of related data must comply with the relevant laws, regulations and standards of the relevant countries and regions.

[0077] Next, the architecture diagram of the information processing system involved in this application will be described accordingly. Please refer to... Figure 2 , Figure 2 This is a schematic diagram of the architecture of an information processing system provided in an embodiment of this application. For example... Figure 2 As shown in the diagram, the system architecture diagram may include at least: server 204 and a cluster of terminal devices, wherein the cluster of terminal devices may include at least: terminal device 201, terminal device 202, terminal device 203, etc. Any terminal device in the cluster can be directly or indirectly connected to server 204 via wired or wireless communication, which is not limited herein.

[0078] in, Figure 2 The server 204 shown can be an independent physical server, a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communication, middleware services, domain name services, security services, CDN (Content Delivery Network), and big data and artificial intelligence platforms.

[0079] Figure 2 Any of the terminal devices shown can be mobile phones, tablets, laptops, PDAs, mobile internet devices (MIDs), vehicles, in-vehicle devices, roadside devices, aircraft, wearable devices such as smartwatches, smart bracelets, pedometers, and other smart devices with information processing functions.

[0080] In one possible implementation, taking terminal device 201 as an example, the information processing scheme provided in this application embodiment will be further described. Specifically, terminal device 201 can obtain target exchange rate update information provided for a target electronic resource pair, which is determined based on exchange rate update information provided by at least one subscribed exchange rate provider. Terminal device 201 can send the target exchange rate update information to server 204, and server 204 can determine the information type of the target exchange rate update information; server 204 updates the fair exchange rate of the target electronic resource pair according to the determined information type to obtain the updated fair exchange rate of the target electronic resource pair. Wherein, if the determined information type is a first type, the exchange rate price of the target electronic resource pair at different delivery periods is determined according to reference information of a second type; or, if the determined information type is a second type, the exchange rate price of the target electronic resource pair at different delivery periods is determined according to reference information of a first type. Finally, server 204 can send the updated fair exchange rate of the target electronic resource pair to terminal device 201.

[0081] It should be understood that the above is merely an illustrative description of the specific operations performed by terminal device 201 and server 204. In another possible implementation, the information type for determining the target exchange rate update information is not necessarily performed by server 204, but may also be performed by terminal device 201 (or any other terminal device in the terminal device cluster). In yet another possible implementation, the information processing scheme mentioned above may also be executed individually by the server in the information processing system or by any terminal device in the terminal device cluster; this application embodiment does not specifically limit this.

[0082] In one possible implementation, the information processing system provided in this application embodiment can be deployed on a blockchain. For example, server 204 and each terminal device included in the terminal device cluster can be treated as a node device of the blockchain, jointly forming a blockchain network. Therefore, the information processing flow in this application can be executed on the blockchain, which can ensure the fairness and impartiality of the information processing flow, and at the same time make the information processing flow traceable, thereby improving the security of the information processing flow.

[0083] It is understood that the system architecture diagrams described in the embodiments of this application are for the purpose of more clearly illustrating the technical solutions of the embodiments of this application, and do not constitute a limitation on the technical solutions provided in the embodiments of this application. As those skilled in the art will know, with the evolution of system architecture and the emergence of new business scenarios, the technical solutions provided in the embodiments of this application are also applicable to similar technical problems.

[0084] Based on the above description of the information processing scheme and information processing system, this application proposes an information processing method. See also... Figure 3 As shown, Figure 3 This is a flowchart illustrating an information processing method provided in an embodiment of this application. The information processing method can be derived from the above... Figure 2 The information processing system mentioned is executed by a terminal device or server. For ease of explanation, this application embodiment uses computer equipment as an example for illustration. The information processing method may include the following steps S301 to S303:

[0085] S301. Obtain target exchange rate update information provided for the target electronic resource pair, the target exchange rate update information being determined based on exchange rate update information provided by at least one subscribed exchange rate provider.

[0086] The target exchange rate update information refers to the latest exchange rate update information determined from one or more exchange rate update information provided by at least one subscribed exchange rate provider. The latest exchange rate update information is defined as the one whose update timestamp is closest to the timestamp of the currently received exchange rate update information. Specifically, if the computer device currently receives exchange rate update information pushed by any one of the at least one exchange rate provider, then the received exchange rate update information is used as the target exchange rate update information. If the computer device currently receives multiple exchange rate update information pushed by multiple exchange rate providers simultaneously, then the latest exchange rate update information can be obtained from the multiple exchange rate update information as the target exchange rate update information. For example, if it simultaneously receives exchange rate update information 1 sent by exchange rate provider 1 and exchange rate update information 2 sent by exchange rate provider 2, then the latest exchange rate update information is determined from exchange rate update information 1 and exchange rate update information 2 as the target exchange rate update information.

[0087] The target electronic resource pair may include a first electronic resource and a second electronic resource, and the resource types of the first and second electronic resources are different. Specifically, the first and second electronic resources may belong to electronic resources from different countries. For example, the first electronic resource may be electronic resource 1 from country A, and the second electronic resource may be electronic resource 2 from country B. The target electronic resource pair may be represented as any of USDCNY, USDHKD, USDKRW, etc.

[0088] In one possible implementation, before acquiring the target exchange rate update information provided for the target electronic resource pair, the computer device may establish subscription connections with at least one exchange rate provider. These established subscription connections are used to instruct any exchange rate provider to generate pending exchange rate update information upon detecting an exchange rate update event for the target electronic resource pair. Figure 1a As shown, any exchange rate provider object can push pending exchange rate updates to the message event bus for storage.

[0089] It should be noted that a computer device can subscribe to electronic resource pairs (ERPs) of the exact same type or types with each exchange rate provider, or it can subscribe to ERPs of slightly different types with different exchange rate providers. For example, a computer device can subscribe to exchange rate updates for ERPs 1 and 2 with both exchange rate provider 1 and exchange rate provider 2. Alternatively, a computer device can subscribe to exchange rate updates for both ERPs 1 and 2 with exchange rate provider 1, and subscribe to exchange rate updates for both ERPs 1 and 3 with exchange rate provider 2.

[0090] It should be understood that, for the same target electronic resource pair, it is necessary to ensure that the corresponding exchange rate update information is provided by at least one exchange rate provider. That is, multiple exchange rate providers actively and continuously push the latest exchange rate update information to the computer device through the FIX financial information exchange protocol, based on streaming exchange rates. This ensures that the computer device (e.g., a third-party payment institution) can more sensitively obtain the target exchange rate update information provided for the target electronic resource pair, improving the reliability of the target exchange rate update information. To facilitate obtaining more comprehensive and sensitive exchange rate update information, this application requires that each exchange rate provider with which a subscription connection is established subscribes to exchange rate update information for the target electronic resource pair. Figure 1a As shown, the computer device can subscribe to exchange rate updates for the target electronic resource against USD / CNY with exchange rate provider 1, exchange rate provider 2, and exchange rate provider n.

[0091] In one possible implementation, the target exchange rate update information is obtained through a message event bus. Multiple exchange rate update messages sent by exchange rate providers can be obtained from the message event bus, and each exchange rate update message is obtained after standardization processing. The standardization process includes: classifying any exchange rate update message to be processed, and standardizing it according to the corresponding standardization format to obtain the exchange rate update information.

[0092] For example, such as Figure 1aAs shown, any "Exchange Rate & Swap Point Receiver," regardless of which exchange rate provider it receives, can categorize the received exchange rate update information and standardize it according to the corresponding standardized format before storing it in the message event bus. The categorized exchange rate update information is tagged with information labels, which indicate the information type, such as price information labels or swap point labels. Furthermore, exchange rate update information with different information labels can be standardized according to different standardized formats. For example, exchange rate update information with a price information label can be standardized according to a first standardized format; similarly, exchange rate update information with a swap point label can be standardized according to a second standardized format. The first and second standardized formats are different and are used to indicate whether the corresponding information type of exchange rate update information is standardized into multiple fields. Furthermore, any of the "exchange rate & swap point receivers" in this application embodiment can also be used to subscribe to tradeable exchange rates as alternative or supplementary data to fair exchange rates. Tradeable exchange rates refer to the foreign exchange rates offered to customers by banks or financial institutions that can be directly traded, including buying and selling prices. These rates are updated frequently and have a clear timeliness. Therefore, using tradeable exchange rates as reference data for updating fair exchange rates can improve the accuracy of these updates.

[0093] Specifically, the target exchange rate update information may include target price update information of the first type. Therefore, when the target exchange rate update information is target price update information of the first type, the target price update information obtained after standardization according to the first standardized format may include at least one or more of the following: a first label field, a resource pair type field, a buy price field, a sell price field, a delivery period field, and an update timestamp field. For example, for the target electronic resource pair USDCNY, the standardized target price update information (e.g., the exchange rate price Price_USDCNY_t2 for a T+2 delivery period) can be represented as follows: ["currency Pair": "USDCNY", "bid": 6.3750, "ask": 6.3760, "tenor": "T+2", "update Time": "2021-04-13 22:01:20"].

[0094] Next, we will introduce the various fields included in the target price update information:

[0095] 1) First tag field: Used to store information tags. Specifically, the information tags stored in the first tag field can be price information tags;

[0096] 2) Resource Pair Type Field "currency Pair": Used to store the resource type of the target electronic resource pair, including but not limited to: USDCNY, USDHKD, USDKRW;

[0097] 3) The "bid" field for the purchase price: is used to store the purchase price of the target electronic resource pair at the third-party payment institution, for example, 6.3750;

[0098] 4) The "ask" field for selling price: is used to store the selling price of the target electronic resource pair at the third-party payment institution, for example, 6.3760. Generally speaking, the bid price of the target electronic resource pair is less than the ask price.

[0099] 5) The "update Time" field is used to store the specific update time corresponding to the current exchange rate update information, for example: 2021-04-13 22:01:20;

[0100] 6) Delivery period field "tenor": Used to store the target delivery period of the target electronic resource pair. In this embodiment, the target delivery period is T+2.

[0101] It should be noted that the foreign exchange transactions corresponding to the T+2 settlement period in this embodiment are relatively active and better reflect the real foreign exchange market. Here, T represents a business day, and the T+2 settlement period means: purchase on day T, settlement on day T+2. For example, purchase on September 15th (a business day) and settlement on September 17th. Furthermore, foreign exchange trading refers to simultaneously buying the first electronic resource in an electronic resource pair and selling the second electronic resource; essentially, it is a process of exchanging electronic resources between two countries. Unlike other financial markets, the foreign exchange market has no specific location or central exchange; it is mainly conducted through electronic networks between banks (i.e., third-party payment institutions), enterprises, or individuals. For ease of understanding, this embodiment allows subscription to the fair exchange rate for the T+2 settlement period, thereby improving the accuracy of exchange rate updates.

[0102] Specifically, the target exchange rate update information may also include target swap point update information of the second type. When the target exchange rate update information is target swap point update information of the second type, the target swap point update information obtained after standardization according to the second standardized format may include at least one or more of the following: a second tag field, a resource pair type field, a first swap point field, a second swap point field, and an update timestamp field. For example, for the target electronic resource pair USDCNY, the standardized target swap point update information can be represented as: ["currency Pair": "USDCNY", "on": {"bid":0.001"ask":0.002}, "tn": {"bid":0.002"ask":0.003}, "update Time": "2021-04-13 7:00:00"].

[0103] Next, we will introduce the various fields included in the target swap point update information:

[0104] 1) Second tag field: Used to store information tags. Specifically, the information tags stored in the second tag field can be swap point tags;

[0105] 2) Resource Pair Type Field "currency Pair": Used to store the resource type of the target electronic resource pair, including but not limited to: USDCNY, USDHKD, USDKRW;

[0106] 3) First swap point field "on": ON (Over-Night, i.e., interest accrues on the same day and settlement is on the next day). This field is used to store the first buy swap point on_bid (e.g., 0.001) and the first sell swap point on_ask (e.g., 0.002) with a T+1 settlement period;

[0107] 4) Second swap point field "tn": TN (Tom-Next, i.e., interest accrues from the next day, and settlement is on the third day, i.e., T+2). This field is used to store the second buy swap point tn_bid (e.g., 0.002) and the second sell swap point tn_ask (e.g., 0.003) with a T+2 settlement period;

[0108] 5) The "update Time" field: This field stores the specific update time corresponding to the current exchange rate update information. It should be noted that the target swap point update information may also include the "spot interest accrual field 1M" (spot interest accrual, one month after spot settlement), which is used to store buy swap points and sell swap points with a settlement period of T+30 (or T+31).

[0109] It's important to clarify that the swap point mentioned above refers to simultaneously buying spot foreign exchange and selling forward foreign exchange for the same electronic resource, or vice versa. In other words, it combines a spot transaction and a forward transaction within a single foreign exchange transaction. In swap transactions, the difference between the spot rate and the forward rate, i.e., the premium or discount, is called the swap rate. When the premium or discount is used as the swap rate, it is quoted in basis points. In foreign exchange quotes, a basis point refers to the fourth decimal place and is the smallest unit of quotation. Therefore, a swap rate quote is: Swap Points = Forward Rate - Spot Rate.

[0110] S302. Determine the information type for the target exchange rate update information.

[0111] In this embodiment, after the computer device updates any pending exchange rate update information, an information tag is added. This information tag includes a price information tag or a swap point tag. In one possible implementation, the information tag can be added to the standardized exchange rate update information in the form of a tag field. For example, the information tag may include the first tag field and the second tag field mentioned above.

[0112] In one possible implementation, the computer device determines the information type of the target exchange rate update information. Specifically, this may include: acquiring information tags for the target exchange rate update information; if the information tag is a price information tag, the information type of the target exchange rate update information is determined to be a first type; if the information tag is a swap point tag, the information type of the target exchange rate update information is determined to be a second type. Wherein, if the information type of the target exchange rate update information is the first type, the target exchange rate update information includes target price update information; if the information type of the target exchange rate update information is the second type, the target exchange rate update information includes target swap point update information. Based on this method, the information type of the target exchange rate update information can be determined relatively conveniently based on the added information tags.

[0113] In another possible implementation, the computer device determines the information type of the target exchange rate update information by parsing the various fields in the target exchange rate update information and determining the information type based on the parsed fields. Specifically, key fields can be obtained from the parsed fields. If the key fields include "bid", "ask", or "tenor", the information type of the target exchange rate update information can be determined to be of type one; if the key fields include "on" or "tn", the information type of the target exchange rate update information can be determined to be type two. In this way, the information type can be determined by parsing the fields without adding information tags to the exchange rate update message.

[0114] S303. Based on the determined information type, update the fair exchange rate of the target electronic resource pair to obtain the updated fair exchange rate of the target electronic resource pair.

[0115] The updated fair exchange rate includes the exchange rate price of the target electronic resource pair for different delivery periods. This may include, but is not limited to, exchange rate prices for T+2, T+1, and T+0 delivery periods. Furthermore, the exchange rate price for each delivery period can specifically include the buying price and the selling price.

[0116] It should be noted that the settlement period T mentioned above refers to the date on which the currency should be delivered when buying or selling foreign exchange. For buying foreign exchange, the electronic resources of the buyer's home country must be delivered, while for selling foreign exchange, the electronic resources of the seller's home country must be delivered. A valid settlement period requires that the delivery date be a business day in the country where the electronic resources are issued. Even if both parties to the transaction are on a holiday, as long as the country where the electronic resources are delivered is a business day (working day), it is considered a valid settlement period. Furthermore, a T+2 settlement period means: purchase on day T, settlement on day T+2. For example, purchase on September 15th (working day), settlement on September 17th; a T+1 settlement period means: purchase on day T, settlement on day T+1. For example, purchase on September 15th (working day), settlement on September 16th; a T+0 settlement period means: purchase on day T, settlement on day T. For example, purchase on September 15th (working day), settlement on September 15th. In this embodiment of the application, the exchange rates for multiple delivery periods of the target electronic resource pair can be updated, thereby providing a more comprehensive fair exchange rate.

[0117] In one possible implementation, if the determined information type is type one, then the exchange rate price of the target electronic resource pair at different delivery periods is determined based on reference information of type two; or, if the determined information type is type two, then the exchange rate price of the target electronic resource pair at different delivery periods is determined based on reference information of type one. Here, the so-called fair exchange rate refers to the most recently traded exchange rate price in the current foreign exchange market, determined by a third-party trading platform (the exchange rate provider), such as... Figure 1a The exchange rates shown are published to external parties, such as Exchange Rate Provider 1 and Exchange Rate Provider 2, and can be observed and used as reference rates by other financial institutions.

[0118] Specifically, the computer equipment updates the fair exchange rate of the target electronic resource pair according to the determined information type to obtain the updated fair exchange rate of the target electronic resource pair. This may include: if the determined information type is a first type, then obtaining the reference swap point information of the second type; updating the fair exchange rate of the target electronic resource pair according to the target price update information of the first type and the reference swap point information of the second type to obtain the updated fair exchange rate of the target electronic resource pair.

[0119] In addition, the computer equipment updates the fair exchange rate of the target electronic resource pair according to the determined information type to obtain the updated fair exchange rate of the target electronic resource pair. This may also include: if the determined information type is the second type, obtaining the reference exchange rate price information of the first type; updating the fair exchange rate of the target electronic resource pair according to the target swap point information of the second type and the reference exchange rate price information of the first type to obtain the updated fair exchange rate of the target electronic resource pair.

[0120] In this embodiment, target exchange rate update information for a target electronic resource pair is obtained. This target exchange rate update information is determined based on exchange rate update information provided by at least one subscribed exchange rate provider. The information type of the target exchange rate update information is determined, and the fair exchange rate of the target electronic resource pair is updated according to the determined information type to obtain the updated fair exchange rate of the target electronic resource pair. The updated fair exchange rate includes exchange rate prices for different settlement periods. If the determined information type is a first type, the exchange rate price of the target electronic resource pair for different settlement periods is determined based on reference information of a second type; or, if the determined information type is a second type, the exchange rate price of the target electronic resource pair for different settlement periods is determined based on reference information of a first type. Therefore, this application allows subscription to multiple exchange rate providers for a target electronic resource pair, ensuring richer and more comprehensive exchange rate update information, thereby guaranteeing that the latest exchange rate update information obtained is more accurate and reliable. Furthermore, the latest exchange rate update information can also be used to determine the exchange rate price of the target electronic resource pair for different settlement periods, thus providing a more comprehensive fair exchange rate.

[0121] Furthermore, targeting Figure 3 The embodiments provide a detailed explanation of the various scenarios involved in calculating the updated fair exchange rate mentioned in step S303. Please refer to [link / reference]. Figure 4 , Figure 4 This is a flowchart illustrating a method for updating the fair exchange rate provided in an embodiment of this application. Figure 4 As shown, this method can be derived from the above. Figure 2The information processing system mentioned above is executed by a terminal device or server. For ease of explanation, this application's embodiments use computer devices as an example for illustration. Figure 4 The example is as follows Figure 3 In one specific embodiment of step S303 in the examples, the method may include the following steps S401 to S404:

[0122] S401. Obtain target exchange rate update information provided for the target electronic resource pair, the target exchange rate update information being determined based on exchange rate update information provided by at least one subscribed exchange rate provider.

[0123] S402. Determine the information type for the target exchange rate update information.

[0124] It should be noted that the detailed processes involved in steps S401-S402 performed by the computer device in this embodiment can be referred to the above. Figure 3 The detailed processes involved in steps S301-S302 in the embodiments will not be repeated here.

[0125] S403. If the determined information type is the first type, then obtain the reference swap point information of the second type.

[0126] Specifically, when the target exchange rate update information is of type 1, then the target exchange rate update information is type 1 target price update information. The so-called reference swap point information refers to currently available swap point information.

[0127] S404. Based on the target price update information of the first type and the reference swap point information of the second type, update the fair exchange rate of the target electronic resource pair to obtain the updated fair exchange rate of the target electronic resource pair.

[0128] Specifically, the updated fair exchange rate includes any one or both of the exchange rate price for the T+1 settlement period and the exchange rate price for the T+0 settlement period; T is a positive integer. Based on the target price update information and the second type of reference swap point information, the fair exchange rate of the target electronic resource pair is updated to obtain the updated fair exchange rate of the target electronic resource pair, including any one or both of the following steps: determining the exchange rate price of the target electronic resource pair for the T+1 settlement period based on the target price update information and the content stored in the second swap point field of the reference swap point information; determining the exchange rate price of the target electronic resource pair for the T+0 settlement period based on the price update information for the T+1 settlement period and the content stored in the first swap point field of the reference swap point information.

[0129] Next, examples will be given to illustrate how to calculate the exchange rate of the target electronic resource pair during the T+1 settlement period and the T+0 settlement period:

[0130] ① The computer equipment determines the exchange rate price of the target electronic resource pair at the T+1 settlement period based on the target price update information and the content stored in the second swap point field of the reference swap point information. Specifically, this may include: if the second sell swap point stored in the second swap point field of the reference swap point information is greater than the second buy swap point, then the buy price of the target electronic resource pair at the T+1 settlement period is determined based on the content stored in the buy price field of the target price update information and the second sell swap point; and the sell price of the target electronic resource pair at the T+1 settlement period is determined based on the content stored in the sell price field of the target price update information and the second buy swap point. Alternatively, if the second sell swap point stored in the second swap point field of the reference swap point information is less than the second buy swap point, then the buy price of the target electronic resource pair at the T+1 delivery period is determined based on the content stored in the buy price field of the target price update information and the second buy swap point; and the sell price of the target electronic resource pair at the T+1 delivery period is determined based on the content stored in the sell price field of the target price update information and the second sell swap point.

[0131] For example, if a computer device obtains the target price update information Price_USDCNY_t2 for USDCNY with a settlement period of T+2: ["currency Pair": "USDCNY", "bid": 6.3750, "ask": 6.3760, "tenor": "T+2", "update Time": "2021-04-13 22:01:20"], then the computer device can obtain the existing reference swap point information for USDCNY: ["currency Pair": "USDCNY", "on": {"bid": 0.001 "ask": 0.002} "tn": {"bid": 0.002 "ask": 0.003}, "update Time": "2021-04-13 7:00:00"].

[0132] Given that tn_ask(0.003) > tn_bid(0.002), the specific formulas for calculating the exchange rate prices Price_USDCNY_t1_bid and Price_USDCNY_t1_ask for the T+1 settlement period are as follows:

[0133] Price_USDCNY_t1_bid = Price_USDCNY_t2_bid - tn_ask = 6.3720;

[0134] Price_USDCNY_t1_ask = Price_USDCNY_t2_ask - tn_bid = 6.3740.

[0135] It should be understood that if tn_ask < tn_bid, the exchange rate prices Price_USDCNY_t1_bid and Price_USDCNY_t1_ask for the T+1 delivery period shall be calculated according to the following calculation method:

[0136] Price_USDCNY_t1_bid = Price_USDCNY_t2_bid - tn_bid;

[0137] Price_USDCNY_t1_ask = Price_USDCNY_t2_ask - tn_ask.

[0138] ② Further, the computer device determines the exchange rate price of the target electronic resource pair at the T+0 delivery period based on the price update information for the T+1 delivery period and the content stored in the first swap point subfield of the reference swap point subinformation. Specifically, it may include: If the first sell swap point stored in the first swap point subfield of the reference swap point subinformation is greater than the first buy swap point, then based on the buy price for the T+1 delivery period and the first sell swap point, determine the buy price of the target electronic resource pair at the T+0 delivery period; and, based on the sell price for the T+1 delivery period and the first buy swap point, determine the sell price of the target electronic resource pair at the T+1 delivery period. Or, if the first sell swap point stored in the first swap point subfield of the reference swap point subinformation is less than the first buy swap point, then based on the content stored in the buy price field of the target price update information and the first buy swap point, determine the buy price of the target electronic resource pair at the T+1 delivery period; and, based on the content stored in the sell price field of the target price update information and the first sell swap point, determine the sell price of the target electronic resource pair at the T+1 delivery period.

[0139] Where on_ask(0.002) > on_bid(0.001), the specific formulas for calculating the exchange rate prices Price_USDCNY_t0_bid and Price_USDCNY_t0_ask for the T+0 delivery period are as follows:

[0140] Price_USDCNY_t0_bid = Price_USDCNY_t1_bid - on_ask = 6.3700;

[0141] Price_USDCNY_t0_ask = Price_USDCNY_t1_ask - on_bid = 6.3730.

[0142] It should be understood that if on_ask < on_bid, the calculation formula is as follows:

[0143] Price_USDCNY_t0_bid = Price_USDCNY_t1_bid - on_bid;

[0144] Price_USDCNY_t0_ask = Price_USDCNY_t1_ask - on_ask.

[0145] It should be understood that the embodiments of this application are explained by taking the target electronic resource pair USDCNY as an example. For other electronic resource pairs, the method of updating their fair exchange rates can refer to the specific process in the above embodiments, and the embodiments of this application will not be elaborated here.

[0146] In the embodiments of this application, when receiving the exchange rate update information of the target electronic resource pair, the exchange rate prices of the target electronic resource pair at different delivery deadlines can be updated based on the existing swap point information, so as to obtain a more comprehensive fair exchange rate.

[0147] Please refer to Figure 5 , Figure 5 which is a schematic flowchart of another method for updating the fair exchange rate provided by the embodiments of this application. As Figure 5 shown, this method can be executed by the terminal device or the server in the information processing system mentioned above. For the convenience of explanation, the embodiments of this application are described by taking the execution by a computer device as an example. Among them, Figure 2 Embodiment is Figure 5 Another specific embodiment involved in step S303 of Figure 3 Embodiment. This method may include the following steps S501 to S504:

[0148] S501. Obtain the target exchange rate update information provided for the target electronic resource pair. The target exchange rate update information is determined from the exchange rate update information provided by at least one subscribed exchange rate provider.

[0149] S502. Determine the information type of the target exchange rate update information.

[0150] Similarly, the detailed processes involved in steps S501-S502 performed by the computer device in the embodiments of this application can be referred to the above. Figure 3 The detailed processes involved in steps S301-S302 in the embodiments will not be repeated here.

[0151] S503. If the determined information type is the second type, then obtain the reference exchange rate price information of the first type.

[0152] Specifically, when the target exchange rate update information is of type two, then the target exchange rate update information is type two target swap point update information. The reference exchange rate price information refers to currently existing exchange rate price information. It should be noted that the reference exchange rate price information in this application may specifically include existing exchange rate price information for the target electronic resource pair with a T+2 settlement period.

[0153] S504. Based on the target swap point update information of the second type and the reference exchange rate price information of the first type, update the fair exchange rate of the target electronic resource pair to obtain the updated fair exchange rate of the target electronic resource pair.

[0154] Specifically, the updated fair exchange rate includes: any one or both of the exchange rate price for the T+1 settlement period and the exchange rate price for the T+0 settlement period; T is a positive integer; the reference exchange rate information includes the exchange rate price for the T+2 settlement period. The computer equipment updates the fair exchange rate of the target electronic resource pair based on the second type of target swap point information and the first type of reference exchange rate information to obtain the updated fair exchange rate of the target electronic resource pair, including any one or both of the following steps: determining the exchange rate price of the target electronic resource pair for the T+1 settlement period based on the reference exchange rate information and the content stored in the second swap point field of the target swap point information; determining the exchange rate price of the target electronic resource pair for the T+0 settlement period based on the price update information for the T+1 settlement period and the content stored in the first swap point field of the target swap point information.

[0155] Similarly, examples are provided to illustrate the calculation of the exchange rate for the target electronic resource pair at the T+1 settlement period and the exchange rate for the target electronic resource pair at the T+0 settlement period, based on scenario 1:

[0156] ① For example, if a computer device obtains the target swap point update information for USDHDK with a settlement period of T+2: ["currency Pair": "USDHKD", "on": {"bid":0.001"ask":0.002}, "tn": {"bid":0.002"ask":0.003}, "update Time": "2021-04-13 7:00:00"]. Then it can obtain the existing reference exchange rate information for USDHDK: Price_USDHDK_t2: ["currency Pair": "USDHKD", "bid": 7.7990, "ask": 7.8010, "tenor": "T+2", "update Time": "2021-04-13 22:01:20"].

[0157] Given that tn_ask(0.003) > tn_bid(0.002), the specific formulas for calculating the exchange rate prices Price_USDHDK_t1_bid and Price_USDHDK_t1_ask for the T+1 settlement period are as follows:

[0158] Price_USDHDK_t1_bid=Price_USDHDK_t2_bid-tn_ask=7.7987;

[0159] Price_USDHDK_t1_ask=Price_USDHDK_t2_ask-tn_bid=7.8008.

[0160] ②Furthermore, since on_ask(0.002) > on_bid(0.001), the specific formulas for calculating the exchange rate prices Price_USDHDK_t0_bid and Price_USDHDK_t0_ask for the T+0 settlement period are as follows:

[0161] Price_USDHDK_t0_bid=Price_USDHDK_t1_bid-on_ask=7.7985;

[0162] Price_USDHDK_t0_ask=Price_USDHDK_t1_ask-on_bid=7.8007.

[0163] In this embodiment of the application, when the swap point update information of the target electronic resource pair is received, the exchange rate price of the target electronic resource pair at different delivery periods can be updated based on the existing exchange rate price information for the T+2 delivery period, thereby obtaining a more comprehensive fair exchange rate.

[0164] It should be understood that Figure 4 and Figure 5 The two scenarios described in the embodiments are applicable to both active and inactive electronic resource pairs. Furthermore, this application embodiment also provides a cross-calculation method to obtain the exchange rate prices of inactive electronic resource pairs at different delivery dates. Next, the specific process of cross-calculating the fair exchange rate of inactive resource pairs will be described in detail:

[0165] In one possible implementation, the target electronic resource pair includes a first electronic resource and a second electronic resource; the computer device can also obtain the activity level of the target electronic resource pair, and if the activity level is greater than or equal to a preset threshold, obtain the fair exchange rate of a reference electronic resource pair, which refers to a resource pair that includes either the first electronic resource or the second electronic resource; based on the fair exchange rate of the reference electronic resource pair and the updated fair exchange rate of the target electronic resource pair, obtain the fair exchange rate of the cross electronic resource pair.

[0166] Specifically, if the reference electronic resource pair includes a first electronic resource and a second electronic resource, then the cross electronic resource pair includes a second electronic resource and a third electronic resource. The computer equipment obtains the fair exchange rate of the cross electronic resource pair based on the fair exchange rate of the reference electronic resource pair and the updated fair exchange rate of the target electronic resource pair. Specifically, this may include: determining the exchange rate price of the target electronic resource pair at the target delivery date, and the exchange rate ratio between this exchange rate and the exchange rate price of the reference electronic resource pair at the target delivery date, based on the fair exchange rate of the reference electronic resource pair and the updated fair exchange rate of the target electronic resource pair; and determining the exchange rate price of the cross electronic resource pair at the target delivery date based on the exchange rate ratio.

[0167] For example, if the target electronic resource pair USDCNY is an active electronic resource pair, and the institution is also interested in the inactive electronic resource pair HKDCNY, then cross-calculation of the resource pairs is required. Obtain the existing fair exchange rate for the reference electronic resource pair USDHKD, which can specifically include exchange rates for different settlement periods such as T+2, T+1, and T+0. For example, the fair exchange rate for the reference electronic resource pair USDHKD is shown in Table 1 below:

[0168] Table 1. Fair Exchange Rate of Reference Electronic Resources to USD / HKD

[0169] Delivery period Buy price (bid) Selling price ask T+2 7.7990 7.8010 T+1 7.7960 7.7990 T+0 7.7940 7.7980

[0170] As can be seen from Table 1, Price_USDHKD_t2_bid=7.7990, Price_USDHKD_t2_ask=7.8010, Price_USDHKD_t1_bid=7.79 60, Price_USDHKD_t1_ask=7.7990, Price_USDHKD_t0_bid=7.7940, Price_USDHKD_t0_ask=7.7980.

[0171] Similarly, the fair exchange rate of the target electronic resources to USDCNY as shown in Scenario 1 above can be seen in Table 2 below:

[0172] Table 2. Fair Exchange Rate of Target Electronic Resources to USD / CNY

[0173]

[0174]

[0175] As can be seen from Table 2, Price_USDCNY_t2_bid=6.3750, Price_USDCNY_t2_ask=6.3760, Price_USDCNY_t1_bid=6.37 20, Price_USDCNY_t1_ask=6.3740, Price_USDCNY_t0_bid=6.3700, Price_USDCNY_t0_ask=6.3730.

[0176] Based on the target electron resource pair and the reference electron resource pair, the calculation formulas for Price_HKDCNY_t2_bid, Price_HKDCNY_t2_ask, Price_HKDCNY_t1_bid, Price_HKDCNY_t1_ask, Price_HKDCNY_t0_bid, and Price_HKDCNY_t0_ask for the cross-electron resource pair HKDCNY are as follows:

[0177] Price_HKDCNY_t2_bid=Price_USDCNY_t2_bid / Price_USDHKD_t2_ask=6.3750 / 7.8010=0.8172;

[0178] Price_HKDCNY_t2_ask=Price_USDCNY_t2_ask / Price_USDHKD_t2_bid=6.3760 / 7.7990=0.8175;

[0179] Price_HKDCNY_t1_bid=Price_USDCNY_t1_bid / Price_USDHKD_t1_ask=6.3720 / 7.7990=0.8170;

[0180] Price_HKDCNY_t1_ask=Price_USDCNY_t1_ask / Price_USDHKD_t1_bid=6.3740 / 7.7960=0.8176;

[0181] Price_HKDCNY_t0_bid=Price_USDCNY_t0_bid / Price_USDHKD_t0_ask=6.3700 / 7.7980=0.8169;

[0182] Price_HKDCNY_t0_ask=Price_USDCNY_t0_ask / Price_USDHKD_t0_bid=6.3730 / 7.7940=0.8177.

[0183] In other words, the fair exchange rate of the inactive cross-electronic resource pairs can be shown in Table 3 below:

[0184] Table 3. Fair Exchange Rates of Cross-Border Electronic Resources to HKD / CNY

[0185] Delivery period Buy price (bid) Selling price ask T+2 0.8172 0.8175 T+1 0.8170 0.8176 T+0 0.8169 0.8177

[0186] Furthermore, after cross-calculation to obtain the exchange rate prices of HKDCNY for inactive cross-electronic resource pairs at different settlement periods, if a first-type price update information for HKDCNY of the cross-electronic resource pair is received, such as the price update information for HKDCNY with a settlement date of T+2: Price_HKDCNY_t2: ["currency Pair": "HKDCNY", "bid": 0.8172, "ask": 0.8175, "tenor": "T+2", "update Time": "2021-04-13 22:01:20"]. The computer equipment can obtain existing reference swap point information for HKDCNY: ["currency Pair": "HKDCNY", "on": {"bid":0.001"ask":0.002}, "tn": {"bid":0.002"ask":0.003}, "updateTime": "2021-04-13 7:00:00"]. Then, following the relevant steps in the above embodiment, an example is given of calculating the exchange rate price of the cross-trading electronic resource pair at the T+1 settlement period and the exchange rate price of the target electronic resource pair at the T+0 settlement period:

[0187] ①The specific formulas for calculating the exchange rates Price_HKDCNY_t1_bid and Price_HKDCNY_t1_ask for the T+1 settlement period are as follows:

[0188] Price_HKDCNY_t1_bid=Price_HKDCNY_t2_bid-tn_ask=0.8169;

[0189] Price_HKDCNY_t1_ask=Price_HKDCNY_t2_ask-tn_bid=0.8173.

[0190] ②The specific formulas for calculating the exchange rates Price_HKDCNY_t0_bid and Price_HKDCNY_t0_ask for T+0 settlement are shown below:

[0191] Price_HKDCNY_t0_bid=Price_HKDCNY_t1_bid-on_ask=0.8167;

[0192] Price_HKDCNY_t0_ask=Price_HKDCNY_t1_ask-on_bid==0.8172.

[0193] It should be noted that in the above cross-calculation process, it should be understood that different types of pricing methods should correspond to different calculation methods. Therefore, in the specific calculation process, it is necessary to distinguish between three different calculation methods: direct quotation, indirect quotation, and indirect quotation.

[0194] Direct quotation refers to calculating the amount of domestic resources payable based on a certain unit (e.g., 1, 100, 1000, 10000) of foreign resources. In the international foreign exchange market, the Japanese yen, Swiss franc, and Canadian dollar all use direct quotation, such as 119.05 yen, meaning 1 US dollar can be exchanged for 119.05 yen. In this embodiment, taking the target electronic resource pair USDCNY as an example, if Price_USDCNY_t2_bid = 6.3750, then this quotation method is direct quotation, meaning 1 US dollar can be exchanged for 6.3750 yuan. Indirect quotation refers to calculating the amount of foreign resources receivable based on a certain unit (e.g., 1, 100, 1000, 10000) of domestic resources. In the international foreign exchange market, the euro, British pound, and Australian dollar use indirect quotation, for example, 1 British pound = 1.6025 US dollars.

[0195] It should be understood that the exchange rate provider in this application embodiment can also provide more swap points, such as swap point 1M (spot interest accrual, settlement one month after spot), to calculate fair exchange rates for more different settlement periods, such as exchange rates for T+3 settlement period, T+4 settlement period, etc. Specifically, the calculation method for exchange rates for different settlement periods can be referred to the relevant process for calculating exchange rates for T+2, T+1, and T+0 settlement periods described above in this application embodiment, which will not be repeated here.

[0196] Finally, the information processing method provided in this application embodiment can be applied to various business scenarios. Specifically, the updated fair exchange rate obtained in this application embodiment can be applied to cross-border payment scenarios of third-party payment institutions. Please refer to... Figure 6 , Figure 6 This is a schematic diagram of an information processing scenario provided in an embodiment of this application. For example... Figure 6As shown, many cross-border payment scenarios require fair exchange rates as indicators for business transactions. For example, in foreign exchange transactions for businesses, third-party payment institutions may need to provide companies with exchange rate curves over very long periods and even within the last few seconds to help them compare rates before making foreign exchange purchase decisions. Specifically, due to the rapid frequency of fair exchange rate changes, this application can provide the latest fair exchange rates for multiple settlement periods for the target electronic resource pair (e.g., USDCNY, USDHKD, or USDKRW), thereby creating a more detailed, comprehensive, and accurate exchange rate curve. This helps companies determine which settlement period's exchange rate is more favorable when making foreign exchange purchase transactions. Similarly, in cross-border remittance transactions, companies may want to subscribe to exchange rate signals for the target electronic resource pair. When the current market fair exchange rate reaches the best rate of the past 7 or 15 days, users can conduct remittance activities. Specifically, this application allows subscription to multiple exchange rate providers, which then push fair exchange rates for target electronic resource pairs based on streaming exchange rate notifications. This allows businesses to perceive exchange rate changes more granularly and obtain better fair exchange rates. For example, third-party payment institutions also require a large number of fair exchange rates to calculate exchange rate prices for different electronic resource pairs (including exchange rate volatility calculations) to understand exchange rate changes in the foreign exchange market and adjust their business strategies accordingly. Therefore, the more comprehensive and accurate fair exchange rates updated in the above embodiments, when applied as indicator signals for business transactions in specific business scenarios including but not limited to those mentioned above, can improve the reliability of relevant business transactions.

[0197] in, Figure 6 The third-party payment institution mentioned refers to an independent institution with certain strength and credit guarantee, which provides a network payment model for transaction payment platforms that interface with the payment and settlement systems of major banks through agreements. In the third-party payment model, after the buyer selects goods on the commodity trading platform, the buyer uses the account provided by the third-party payment institution to pay for electronic resources (i.e., the buyer pays a certain amount of electronic resources to the third-party payment institution), and the third-party payment institution notifies the seller that the resources have been received and requests the seller to ship the goods; after the buyer receives the goods, inspects the goods, and confirms the goods, the buyer notifies the third-party payment institution to pay for the electronic resources again (i.e., the third-party payment institution transfers the certain amount of electronic resources paid by the buyer to the seller's account).

[0198] In this embodiment, exchange rate price updates and swap point updates from different exchange rate providers can be subscribed to simultaneously. These updates are then standardized and converted into event messages, driving the update of the fair exchange rate. Upon receiving exchange rate updates for a target electronic resource pair, the exchange rate price of that pair at different settlement periods can be updated based on existing swap point information. Similarly, upon receiving swap point updates for a target electronic resource pair, the exchange rate price at different settlement periods can be obtained based on existing T+2 settlement period exchange rate information, thus achieving a more comprehensive fair exchange rate. Furthermore, during fair exchange rate updates, the activity level of the electronic resource pair is determined. Through cross-calculation between resource pairs, the fair exchange rate of some inactive electronic resource pairs can be updated.

[0199] The methods of the embodiments of this application have been described in detail above. In order to facilitate better implementation of the above-described solutions of the embodiments of this application, the apparatus of the embodiments of this application is provided below. Next, the relevant apparatus of the embodiments of this application will be introduced in conjunction with the information processing solutions provided in the above-described embodiments of this application.

[0200] Please see Figure 7 , Figure 7 This is a schematic diagram of the structure of an information processing device provided in an embodiment of this application. Figure 7 As shown, the information processing device 700 can be applied to the computer equipment (terminal device or server) mentioned in the foregoing embodiments. It should be noted that... Figure 7 The various units in the information processing apparatus 700 shown can be individually or entirely merged into one or more other units, or some of the units can be further divided into multiple functionally smaller units. This achieves the same operation without affecting the technical effects of the embodiments of this application. The above-mentioned units are based on logical function division. In practical applications, the function of one unit can also be implemented by multiple units, or the function of multiple units can be implemented by one unit. In other embodiments of this application, the information processing apparatus 700 may also include other units. In practical applications, these functions can also be implemented with the assistance of other units, and can be implemented collaboratively by multiple units.

[0201] Specifically, the information processing device 700 can be a computer program (including program code) running on a computer device, such as an application software; the information processing device 700 can be used to execute corresponding steps in the information processing method provided in the embodiments of this application. The information processing device 700 includes:

[0202] The acquisition unit 701 is used to acquire target exchange rate update information provided for a target electronic resource pair, wherein the target exchange rate update information is determined based on exchange rate update information provided by at least one subscribed exchange rate provider.

[0203] Processing unit 702 is used to determine the information type of the target exchange rate update information;

[0204] The processing unit 702 is also used to update the fair exchange rate of the target electronic resource pair according to the determined information type, so as to obtain the updated fair exchange rate of the target electronic resource pair.

[0205] The updated fair exchange rate includes the exchange rate price of the target electronic resource pair at different delivery periods; if the determined information type is the first type, the exchange rate price of the target electronic resource pair at different delivery periods is determined based on the reference information of the second type; or, if the determined information type is the second type, the exchange rate price of the target electronic resource pair at different delivery periods is determined based on the reference information of the first type.

[0206] In one possible implementation, the target exchange rate update information is obtained through a message event bus; at least one exchange rate update information sent by an exchange rate provider object can be obtained from the message event bus, and each exchange rate update information is obtained after standardization.

[0207] The process of obtaining exchange rate update information through standardization includes: classifying any exchange rate update information to be processed, and then standardizing it according to the standardized format corresponding to the information type determined after classification to obtain the exchange rate update information.

[0208] In one possible implementation, any pending exchange rate update information is categorized and tagged with information tags, including price information tags or swap point tags; the processing unit 702 determines the information type of the target exchange rate update information and performs the following operations:

[0209] Obtain the information tag for the target exchange rate update information. If the information tag is a price information tag, then determine that the information type of the target exchange rate update information is the first type.

[0210] If the information label is a swap point label, then the information type of the target exchange rate update information is determined to be the second type.

[0211] In one possible implementation, the target exchange rate update information includes either a first type of target price update information or a second type of target swap point update information;

[0212] The target price update information includes at least one or more of the following: first tag field, resource pair type field, buy price field, sell price field, delivery period field, and update timestamp field;

[0213] The target swap point update information includes at least one or more of the following: a second tag field, a resource pair type field, a first swap point field, a second swap point field, and an update timestamp field;

[0214] The delivery period field stores the target delivery period as T+2. The first swap point field is used to store the first buy swap point and the first sell swap point for the delivery period of T+1. The second swap point field is used to store the second buy swap point and the second sell swap point for the delivery period of T+2. T is a positive integer.

[0215] In one possible implementation, processing unit 702 updates the fair exchange rate of the target electronic resource pair according to the determined information type to obtain the updated fair exchange rate of the target electronic resource pair, which is then used to perform the following operations:

[0216] If the determined information type is the first type, then obtain the reference swap point information of the second type;

[0217] Based on the target price update information of the first type and the reference swap point information of the second type, the fair exchange rate of the target electronic resource pair is updated to obtain the updated fair exchange rate of the target electronic resource pair.

[0218] In one possible implementation, the updated fair exchange rate includes any one or both of the exchange rate for T+1 settlement and the exchange rate for T+0 settlement.

[0219] Processing unit 702 updates the fair exchange rate of the target electronic resource pair based on the first type of target price update information and the second type of reference swap point information, to obtain the updated fair exchange rate of the target electronic resource pair, including any one or two of the following steps:

[0220] Based on the target price update information and the content stored in the second swap point field of the reference swap point information, the exchange rate price of the target electronic resource pair at the T+1 settlement period is determined;

[0221] Based on the price update information for the T+1 settlement period and the content stored in the first swap point field of the reference swap point information, determine the exchange rate price of the target electronic resource pair for the T+0 settlement period.

[0222] In one possible implementation, the exchange rate price includes a buying price and a selling price; the processing unit 702 determines the exchange rate price of the target electronic resource pair at the T+1 settlement period based on the target price update information and the content stored in the second swap point field of the reference swap point information, and performs the following operations:

[0223] If the second sell swap point stored in the second swap point field of the reference swap point information is greater than the second buy swap point, then the buy price of the target electronic resource pair at the T+1 delivery period is determined based on the content stored in the buy price field of the target price update information and the second sell swap point; and the sell price of the target electronic resource pair at the T+1 delivery period is determined based on the content stored in the sell price field of the target price update information and the second buy swap point; or...

[0224] If the second sell swap point stored in the second swap point field of the reference swap point information is less than the second buy swap point, then the buy price of the target electronic resource pair at the T+1 delivery period is determined based on the content stored in the buy price field of the target price update information and the second buy swap point; and the sell price of the target electronic resource pair at the T+1 delivery period is determined based on the content stored in the sell price field of the target price update information and the second sell swap point.

[0225] In one possible implementation, processing unit 702 updates the fair exchange rate of the target electronic resource pair according to the determined information type to obtain the updated fair exchange rate of the target electronic resource pair, which is then used to perform the following operations:

[0226] If the determined information type is the second type, then obtain the reference exchange rate price information of the first type;

[0227] Based on the second type of target swap point information and the first type of reference exchange rate price information, the fair exchange rate of the target electronic resource pair is updated to obtain the updated fair exchange rate of the target electronic resource pair.

[0228] In one possible implementation, the updated fair exchange rate includes: any one or both of the exchange rate for T+1 settlement and the exchange rate for T+0 settlement; T is a positive integer; the reference exchange rate information includes the exchange rate for T+2 settlement.

[0229] Processing unit 702 updates the fair exchange rate of the target electronic resource pair based on the second type of target swap point information and the first type of reference exchange rate price information, to obtain the updated fair exchange rate of the target electronic resource pair, including any one or two of the following steps:

[0230] Based on the reference exchange rate price information and the content stored in the second swap point field of the target swap point information, determine the exchange rate price of the target electronic resource pair at the T+1 delivery period;

[0231] Based on the price update information for the T+1 settlement period and the content stored in the first swap point field of the target swap point information, determine the exchange rate price of the target electronic resource pair for the T+0 settlement period.

[0232] In one possible implementation, the target electronic resource pair includes a first electronic resource and a second electronic resource; the processing unit 702 is further configured to perform the following operations:

[0233] The activity level of the target electronic resource pair is obtained. If the activity level is greater than or equal to a preset threshold, the fair exchange rate of the reference electronic resource pair is obtained. The reference electronic resource pair refers to a resource pair that includes the first electronic resource or the second electronic resource.

[0234] Obtain the fair exchange rate of the cross-electronic resource pair based on the fair exchange rate of the reference electronic resource pair and the updated fair exchange rate of the target electronic resource pair.

[0235] In one possible implementation, if the reference electronic resource pair includes the first electronic resource and the third electronic resource, then the cross electronic resource pair includes the second electronic resource and the third electronic resource.

[0236] Processing unit 702 obtains the fair exchange rate of the cross-electronic resource pair based on the fair exchange rate of the reference electronic resource pair and the updated fair exchange rate of the target electronic resource pair, and performs the following operations:

[0237] Based on the fair exchange rate of the reference electronic resource pair and the updated fair exchange rate of the target electronic resource pair, determine the exchange rate price of the target electronic resource pair at the target delivery date and the exchange rate ratio between the reference electronic resource pair and the target electronic resource pair at the target delivery date.

[0238] Determine the exchange rate price of the cross-electronic resource pair at the target delivery date based on the exchange rate ratio.

[0239] The information processing apparatus provided in this application embodiment acquires target exchange rate update information for a target electronic resource pair, which is determined based on exchange rate update information provided by at least one subscribed exchange rate provider. It determines the information type of the target exchange rate update information and updates the fair exchange rate of the target electronic resource pair according to the determined information type, obtaining an updated fair exchange rate for the target electronic resource pair. The updated fair exchange rate includes exchange rate prices for different settlement periods. If the determined information type is a first type, the exchange rate price of the target electronic resource pair for different settlement periods is determined based on reference information of a second type; or, if the determined information type is a second type, the exchange rate price of the target electronic resource pair for different settlement periods is determined based on reference information of a first type. Therefore, this application allows for the subscription of multiple exchange rate providers for a target electronic resource pair, enabling the provision of richer and more comprehensive exchange rate update information, thus making the latest exchange rate update information more accurate and reliable. Furthermore, the latest exchange rate update information can also be used to determine the exchange rate price of the target electronic resource pair for different settlement periods, thereby providing a more comprehensive fair exchange rate.

[0240] Please see Figure 8 , Figure 8 This is a schematic diagram of the structure of a computer device provided in an embodiment of this application. The computer device 800 is used to execute the steps performed by the computer device in the aforementioned method embodiment. The computer device 800 includes: one or more processors 810; one or more input devices 820; one or more output devices 830; and a memory 840. The processors 810, input devices 820, output devices 830, and memory 840 are connected via a bus 850. The processor 810 (or CPU (Central Processing Unit)) is the processing core of the computer device. The processor 810 is adapted to implement one or more program instructions, specifically adapted to load and execute one or more program instructions to achieve... Figure 3 , Figure 4 as well as Figure 5The flowchart of the information processing method is shown. Additionally, the memory 840 can be high-speed RAM or non-volatile memory, such as at least one disk storage device; alternatively, it can be at least one memory located remotely from the aforementioned processor. The memory 840 provides storage space for storing the operating system of the content playback device. Furthermore, this storage space is also used to store a computer program, which includes program instructions adapted to be invoked and executed by the processor to perform the various steps of the information processing method in this application. Additionally, the memory 840 can also be used to store exchange rate update information pushed by various exchange rate providing objects in the message event bus.

[0241] Specifically, the memory 840 is used to store a computer program, which includes program instructions. The processor 810 is used to call the program instructions stored in the memory 840 and perform the following operations:

[0242] Obtain target exchange rate updates for a target electronic resource pair, the target exchange rate updates being determined based on exchange rate updates provided by at least one subscribed exchange rate provider;

[0243] Determine the type of information for target exchange rate updates;

[0244] Based on the determined information type, the fair exchange rate of the target electronic resource pair is updated to obtain the updated fair exchange rate of the target electronic resource pair.

[0245] The updated fair exchange rate includes the exchange rate price of the target electronic resource pair at different delivery periods; if the determined information type is the first type, the exchange rate price of the target electronic resource pair at different delivery periods is determined based on the reference information of the second type; or, if the determined information type is the second type, the exchange rate price of the target electronic resource pair at different delivery periods is determined based on the reference information of the first type.

[0246] In one possible implementation, the target exchange rate update information is obtained through a message event bus; at least one exchange rate update information sent by an exchange rate provider object can be obtained from the message event bus, and each exchange rate update information is obtained after standardization.

[0247] The process of obtaining exchange rate update information through standardization includes: classifying any exchange rate update information to be processed, and then standardizing it according to the standardized format corresponding to the information type determined after classification to obtain the exchange rate update information.

[0248] In one possible implementation, any pending exchange rate update information is categorized and tagged with information tags, including price information tags or swap point tags; the processor 810 determines the information type of the target exchange rate update information for the following operations:

[0249] Obtain the information tag for the target exchange rate update information. If the information tag is a price information tag, then determine that the information type of the target exchange rate update information is the first type.

[0250] If the information label is a swap point label, then the information type of the target exchange rate update information is determined to be the second type.

[0251] In one possible implementation, the target exchange rate update information includes either a first type of target price update information or a second type of target swap point update information;

[0252] The target price update information includes at least one or more of the following: first tag field, resource pair type field, buy price field, sell price field, delivery period field, and update timestamp field;

[0253] The target swap point update information includes at least one or more of the following: a second tag field, a resource pair type field, a first swap point field, a second swap point field, and an update timestamp field;

[0254] The delivery period field stores the target delivery period as T+2. The first swap point field is used to store the first buy swap point and the first sell swap point for the delivery period of T+1. The second swap point field is used to store the second buy swap point and the second sell swap point for the delivery period of T+2. T is a positive integer.

[0255] In one possible implementation, the processor 810 updates the fair exchange rate of the target electronic resource pair according to a determined information type to obtain the updated fair exchange rate of the target electronic resource pair, which is then used to perform the following operations:

[0256] If the determined information type is the first type, then obtain the reference swap point information of the second type;

[0257] Based on the target price update information of the first type and the reference swap point information of the second type, the fair exchange rate of the target electronic resource pair is updated to obtain the updated fair exchange rate of the target electronic resource pair.

[0258] In one possible implementation, the updated fair exchange rate includes any one or both of the exchange rate for T+1 settlement and the exchange rate for T+0 settlement.

[0259] The processor 810 updates the fair exchange rate of the target electronic resource pair based on the first type of target price update information and the second type of reference swap point information, to obtain the updated fair exchange rate of the target electronic resource pair, including any one or two of the following steps:

[0260] Based on the target price update information and the content stored in the second swap point field of the reference swap point information, the exchange rate price of the target electronic resource pair at the T+1 settlement period is determined;

[0261] Based on the price update information for the T+1 settlement period and the content stored in the first swap point field of the reference swap point information, determine the exchange rate price of the target electronic resource pair for the T+0 settlement period.

[0262] In one possible implementation, the exchange rate price includes a buying price and a selling price; the processor 810 determines the exchange rate price of the target electronic resource pair at the T+1 settlement period based on the target price update information and the content stored in the second swap point field of the reference swap point information, for the following operations:

[0263] If the second sell swap point stored in the second swap point field of the reference swap point information is greater than the second buy swap point, then the buy price of the target electronic resource pair at the T+1 delivery period is determined based on the content stored in the buy price field of the target price update information and the second sell swap point; and the sell price of the target electronic resource pair at the T+1 delivery period is determined based on the content stored in the sell price field of the target price update information and the second buy swap point; or...

[0264] If the second sell swap point stored in the second swap point field of the reference swap point information is less than the second buy swap point, then the buy price of the target electronic resource pair at the T+1 delivery period is determined based on the content stored in the buy price field of the target price update information and the second buy swap point; and the sell price of the target electronic resource pair at the T+1 delivery period is determined based on the content stored in the sell price field of the target price update information and the second sell swap point.

[0265] In one possible implementation, the processor 810 updates the fair exchange rate of the target electronic resource pair according to a determined information type to obtain the updated fair exchange rate of the target electronic resource pair, which is then used to perform the following operations:

[0266] If the determined information type is the second type, then obtain the reference exchange rate price information of the first type;

[0267] Based on the second type of target swap point information and the first type of reference exchange rate price information, the fair exchange rate of the target electronic resource pair is updated to obtain the updated fair exchange rate of the target electronic resource pair.

[0268] In one possible implementation, the updated fair exchange rate includes: any one or both of the exchange rate for T+1 settlement and the exchange rate for T+0 settlement; T is a positive integer; the reference exchange rate information includes the exchange rate for T+2 settlement.

[0269] The processor 810 updates the fair exchange rate of the target electronic resource pair based on the second type of target swap point information and the first type of reference exchange rate price information, to obtain the updated fair exchange rate of the target electronic resource pair, including any one or two of the following steps:

[0270] Based on the reference exchange rate price information and the content stored in the second swap point field of the target swap point information, determine the exchange rate price of the target electronic resource pair at the T+1 delivery period;

[0271] Based on the price update information for the T+1 settlement period and the content stored in the first swap point field of the target swap point information, determine the exchange rate price of the target electronic resource pair for the T+0 settlement period.

[0272] In one possible implementation, the target electronic resource pair includes a first electronic resource and a second electronic resource; the processor 810 is also configured to perform the following operations:

[0273] The activity level of the target electronic resource pair is obtained. If the activity level is greater than or equal to a preset threshold, the fair exchange rate of the reference electronic resource pair is obtained. The reference electronic resource pair refers to a resource pair that includes the first electronic resource or the second electronic resource.

[0274] Obtain the fair exchange rate of the cross-electronic resource pair based on the fair exchange rate of the reference electronic resource pair and the updated fair exchange rate of the target electronic resource pair.

[0275] In one possible implementation, if the reference electronic resource pair includes the first electronic resource and the third electronic resource, then the cross electronic resource pair includes the second electronic resource and the third electronic resource.

[0276] The processor 810 obtains the fair exchange rate of the cross electronic resource pair based on the fair exchange rate of the reference electronic resource pair and the updated fair exchange rate of the target electronic resource pair, and uses it to perform the following operations:

[0277] Based on the fair exchange rate of the reference electronic resource pair and the updated fair exchange rate of the target electronic resource pair, determine the exchange rate price of the target electronic resource pair at the target delivery date and the exchange rate ratio between the reference electronic resource pair and the target electronic resource pair at the target delivery date.

[0278] Determine the exchange rate price of the cross-electronic resource pair at the target delivery date based on the exchange rate ratio.

[0279] The information processing apparatus provided in this application embodiment acquires target exchange rate update information for a target electronic resource pair, which is determined based on exchange rate update information provided by at least one subscribed exchange rate provider. It determines the information type of the target exchange rate update information and updates the fair exchange rate of the target electronic resource pair according to the determined information type, obtaining an updated fair exchange rate for the target electronic resource pair. The updated fair exchange rate includes exchange rate prices for different settlement periods. If the determined information type is a first type, the exchange rate price of the target electronic resource pair for different settlement periods is determined based on reference information of a second type; or, if the determined information type is a second type, the exchange rate price of the target electronic resource pair for different settlement periods is determined based on reference information of a first type. Therefore, this application allows for the subscription of multiple exchange rate providers for a target electronic resource pair, enabling the provision of richer and more comprehensive exchange rate update information, thus making the latest exchange rate update information more accurate and reliable. Furthermore, the latest exchange rate update information can also be used to determine the exchange rate price of the target electronic resource pair for different settlement periods, thereby providing a more comprehensive fair exchange rate.

[0280] Furthermore, it should be noted that this application also provides a computer storage medium storing a computer program, which includes program instructions. When the processor executes these program instructions, it can perform the methods described in the preceding embodiments. Therefore, further details will not be provided here. For technical details not disclosed in the embodiments of the computer storage medium involved in this application, please refer to the description of the method embodiments of this application. As an example, the program instructions can be deployed on a computer device, executed on multiple computer devices located in one location, or executed on multiple computer devices distributed in multiple locations and interconnected through a communication network.

[0281] According to one aspect of this application, a computer program product or computer program is provided, comprising computer instructions stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium and executes the computer instructions, causing the computer device to perform the methods described in the preceding embodiments; therefore, further details will not be provided here.

[0282] Those skilled in the art will understand that implementing all or part of the processes in the above embodiments can be accomplished by a computer program instructing related hardware. The program can be stored in a computer-readable storage medium, and when executed, it can include the processes of the embodiments of the above methods. The storage medium can be a magnetic disk, optical disk, read-only memory (ROM), or random access memory (RAM), etc.

[0283] The above-disclosed embodiments are merely preferred embodiments of this application and should not be construed as limiting the scope of this application. Therefore, any equivalent variations made in accordance with the claims of this application shall still fall within the scope of this application.

Claims

1. An information processing method, characterized in that, include: Obtain target exchange rate update information provided for a target electronic resource pair, wherein the target exchange rate update information is determined based on exchange rate update information provided by at least one subscribed exchange rate provider; The information type of the target exchange rate update information is determined; wherein the target exchange rate update information is tagged with information tags, the information tags including price information tags or swap point tags; if the information tag of the target exchange rate update information is a price information tag, then the information type of the target exchange rate update information is determined to be a first type; if the information tag of the target exchange rate update information is a swap point tag, then the information type of the target exchange rate update information is determined to be a second type. Based on the determined information type, the fair exchange rate of the target electronic resource pair is updated to obtain the updated fair exchange rate of the target electronic resource pair. The updated fair exchange rate includes the exchange rate price of the target electronic resource pair at different delivery periods; if the determined information type is the first type, the exchange rate price of the target electronic resource pair at different delivery periods is determined based on the reference information of the second type; or, if the determined information type is the second type, the exchange rate price of the target electronic resource pair at different delivery periods is determined based on the reference information of the first type.

2. The method as described in claim 1, characterized in that, The target exchange rate update information is obtained through the message event bus; at least one exchange rate update information sent by an exchange rate provider object can be obtained from the message event bus, and each exchange rate update information is obtained after standardization processing; The process of obtaining exchange rate update information through standardization includes: classifying any exchange rate update information to be processed, and then standardizing it according to the standardized format corresponding to the information type determined after classification to obtain the exchange rate update information.

3. The method as described in claim 1, characterized in that, The target exchange rate update information includes target price update information of the first type or target swap point update information of the second type; The target price update information includes at least one or more of the following: a first tag field, a resource pair type field, a buy price field, a sell price field, a delivery period field, and an update timestamp field; The target swap point update information includes at least one or more of the following: a second tag field, a resource pair type field, a first swap point field, a second swap point field, and an update timestamp field; The delivery period field stores the target delivery period as T+2, the first swap point field stores the first buy swap point and the first sell swap point for the delivery period of T+1, and the second swap point field stores the second buy swap point and the second sell swap point for the delivery period of T+2, where T is a positive integer.

4. The method as described in claim 3, characterized in that, The step of updating the fair exchange rate of the target electronic resource pair according to the determined information type to obtain the updated fair exchange rate of the target electronic resource pair includes: If the determined information type is the first type, then obtain the reference swap point information of the second type; Based on the target price update information of the first type and the reference swap point information of the second type, the fair exchange rate of the target electronic resource pair is updated to obtain the updated fair exchange rate of the target electronic resource pair.

5. The method as described in claim 4, characterized in that, The updated fair exchange rate includes any one or both of the exchange rate for T+1 settlement and the exchange rate for T+0 settlement. The step of updating the fair exchange rate of the target electronic resource pair based on the first type of target price update information and the second type of reference swap point information to obtain the updated fair exchange rate of the target electronic resource pair includes any one or two of the following steps: Based on the target price update information and the content stored in the second swap point field of the reference swap point information, the exchange rate price of the target electronic resource pair at the T+1 settlement period is determined; Based on the price update information for the T+1 settlement period and the content stored in the first swap point field of the reference swap point information, the exchange rate price of the target electronic resource pair for the T+0 settlement period is determined.

6. The method as described in claim 5, characterized in that, The exchange rate price includes a buying price and a selling price; determining the exchange rate price of the target electronic resource pair at the T+1 settlement period based on the target price update information and the content stored in the second swap point field of the reference swap point information includes: If the second sell swap point stored in the second swap point field of the reference swap point information is greater than the second buy swap point, then the buy price of the target electronic resource pair at the T+1 delivery period is determined based on the content stored in the buy price field of the target price update information and the second sell swap point; and the sell price of the target electronic resource pair at the T+1 delivery period is determined based on the content stored in the sell price field of the target price update information and the second buy swap point; or... If the second sell swap point stored in the second swap point field of the reference swap point information is less than the second buy swap point, then the buy price of the target electronic resource pair at the T+1 delivery period is determined according to the content stored in the buy price field of the target price update information and the second buy swap point; and the sell price of the target electronic resource pair at the T+1 delivery period is determined according to the content stored in the sell price field of the target price update information and the second sell swap point.

7. The method as described in claim 3, characterized in that, The step of updating the fair exchange rate of the target electronic resource pair according to the determined information type to obtain the updated fair exchange rate of the target electronic resource pair includes: If the determined information type is the second type, then obtain the reference exchange rate price information of the first type; Based on the second type of target swap point information and the first type of reference exchange rate price information, the fair exchange rate of the target electronic resource pair is updated to obtain the updated fair exchange rate of the target electronic resource pair.

8. The method as described in claim 7, characterized in that, The updated fair exchange rate includes any one or both of the exchange rate for T+1 settlement and T+0 settlement; T is a positive integer; the reference exchange rate information includes the exchange rate for T+2 settlement. The step of updating the fair exchange rate of the target electronic resource pair based on the second type of target swap point information and the first type of reference exchange rate price information to obtain the updated fair exchange rate of the target electronic resource pair includes any one or two of the following steps: Based on the reference exchange rate price information and the content stored in the second swap point field of the target swap point information, the exchange rate price of the target electronic resource pair at the T+1 settlement period is determined; Based on the price update information for the T+1 settlement period and the content stored in the first swap point field of the target swap point information, the exchange rate price of the target electronic resource pair for the T+0 settlement period is determined.

9. The method according to any one of claims 1-8, characterized in that, The target electronic resource pair includes a first electronic resource and a second electronic resource; the method further includes: The activity level of the target electronic resource pair is obtained. If the activity level is greater than or equal to a preset threshold, the fair exchange rate of the reference electronic resource pair is obtained. The reference electronic resource pair refers to a resource pair that includes the first electronic resource or the second electronic resource. The fair exchange rate of the cross electronic resource pair is obtained based on the fair exchange rate of the reference electronic resource pair and the updated fair exchange rate of the target electronic resource pair.

10. The method as described in claim 9, characterized in that, If the reference electronic resource pair includes a first electronic resource and a third electronic resource, then the cross electronic resource pair includes a second electronic resource and a third electronic resource; The step of obtaining the fair exchange rate of the cross-electronic resource pair based on the fair exchange rate of the reference electronic resource pair and the updated fair exchange rate of the target electronic resource pair includes: Based on the fair exchange rate of the reference electronic resource pair and the updated fair exchange rate of the target electronic resource pair, determine the exchange rate price of the target electronic resource pair at the target delivery period and the exchange rate ratio between the reference electronic resource pair and the target electronic resource pair at the target delivery period; Based on the exchange rate ratio, determine the exchange rate price of the cross-electronic resource pair at the target delivery period.

11. An information processing device, characterized in that, include: The acquisition unit is used to acquire target exchange rate update information provided for a target electronic resource pair, wherein the target exchange rate update information is determined based on exchange rate update information provided by at least one subscribed exchange rate provider. A processing unit is configured to determine the information type of the target exchange rate update information; wherein the target exchange rate update information is tagged with information tags, the information tags including price information tags or swap point tags; if the information tag of the target exchange rate update information is a price information tag, then the information type of the target exchange rate update information is determined to be a first type; if the information tag of the target exchange rate update information is a swap point tag, then the information type of the target exchange rate update information is determined to be a second type. The processing unit is further configured to update the fair exchange rate of the target electronic resource pair according to the determined information type, so as to obtain the updated fair exchange rate of the target electronic resource pair. The updated fair exchange rate includes the exchange rate price of the target electronic resource pair at different delivery periods; if the determined information type is the first type, the exchange rate price of the target electronic resource pair at different delivery periods is determined based on the reference information of the second type; or, if the determined information type is the second type, the exchange rate price of the target electronic resource pair at different delivery periods is determined based on the reference information of the first type.

12. A computer device, characterized in that, include: Storage devices and processors; A memory, wherein one or more computer programs are stored; A processor for loading one or more computer programs to implement the information processing method as described in any one of claims 1-10.

13. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores a computer program adapted to be loaded by a processor and executed as described in any one of claims 1-10.

14. A computer program product, characterized in that, The computer program product includes a computer program adapted to be loaded by a processor and execute the information processing method as described in any one of claims 1-10.

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