Resource transfer processing method and device

Abstract

The invention discloses a resource transfer processing method and device, and relates to the technical field of data processing. A specific embodiment of the method comprises the steps of selecting a resource transfer option, displaying a resource transfer order making page, inputting transaction information and a resource receiver account, and obtaining a resource transfer-out party identifier; in the present exchange and foreign exchange resource transfer mode, taking the target resource type account as a resource transfer account; in the purchase payment and foreign exchange resource transfer mode, taking a target resource type account or a preset account as a resource transfer account; executing a resource exchange operation on the current resource type account based on the resource transfer amount, and storing the purchase and exchange resources to the resource transfer account; and generating a resource transfer request, determining a local clearing system according to a receiving mechanism to which the account of the resource receiver belongs, and sending the request to the local clearing system for processing through the transfer system. According to the embodiment, remittance and purchase and exchange are integrated in one page process, frequent switching among different pages by customers is avoided, meanwhile, the system load is reduced, and the utilization rate is guaranteed.

Description

Technical Field

[0001] The present invention relates to the field of data processing technology, and in particular to a resource transfer processing method and device. Background Art

[0002] When existing customers use overseas trade remittance services, they can only successfully make foreign exchange remittances if they have a foreign currency account with sufficient balance. However, if the customer's foreign currency account balance is insufficient or there is no foreign currency account, they need to purchase foreign exchange first or open a foreign currency account at the bank. However, foreign exchange purchase and remittance are done on different pages. This process requires customers to switch pages back and forth, resulting in a poor overall experience. And with the sharp increase in customer business volume, this remittance model can no longer meet customer needs. For example, customers need faster remittance methods or more flexible fund management options to cope with growing transaction needs. Summary of the invention

[0003] In view of this, an embodiment of the present invention provides a resource transfer processing method and device, which can at least solve the problem in the prior art that foreign exchange purchase and remittance are on different pages, resulting in limitations and complexity in the foreign exchange process.

[0004] To achieve the above object, according to one aspect of an embodiment of the present invention, a resource transfer processing method is provided, comprising:

[0005] In response to the selection operation of the resource transfer option, a resource transfer order page is displayed, the input transaction information and resource recipient account are received, and the resource transferor identifier is obtained; wherein the transaction information includes the resource transfer amount and the target resource type;

[0006] A resource transfer mode list is displayed on the resource transfer order making page, and in response to a selection operation of a spot foreign exchange resource transfer mode in the resource transfer mode list, a target resource type account corresponding to the resource transferor identifier and the target resource type is used as a resource transfer account;

[0007] In response to the selection operation of the purchase and payment foreign exchange resource transfer mode in the resource transfer mode list, if the target resource type account exists in the query, the target resource type account is used as the resource transfer account, otherwise the preset account is used as the resource transfer account; and based on the resource transfer amount, the resource exchange operation is performed on the current resource type account identified by the resource transferor, and the purchase foreign exchange resources are stored in the resource transfer account;

[0008] A resource transfer request is generated based on the resource transfer account, transaction information and resource recipient account, and a local clearing system that supports the receiving institution is determined based on the receiving institution to which the resource recipient account belongs. The resource transfer request is sent to the local clearing system through the transfer system for resource transfer processing.

[0009] Optionally, the step of using the target resource type account corresponding to the resource transferor identifier and the target resource type as the resource transfer account includes:

[0010] In response to the current available resource amount in the target resource type account being greater than or equal to the resource transfer amount, the target resource type account is used as the resource transfer account.

[0011] Optionally, in the case where the target resource type account is used as a resource transfer account, the resource exchange operation is performed on the current resource type account identified by the resource transferor based on the resource transfer amount, and the foreign exchange purchase resources are stored in the resource transfer account, including:

[0012] Displaying a list of foreign exchange purchasing methods, and in response to a selection operation of a target foreign exchange purchasing method in the list of foreign exchange purchasing methods, determining an exchange rate determination condition corresponding to the target foreign exchange purchasing method;

[0013] In response to the exchange rate between the current resource type and the target resource type meeting the exchange rate determination condition, calculating the current resource type demand corresponding to the resource transfer amount;

[0014] Extract the current resource type demand from the current resource type account for resource exchange, and store the purchased foreign exchange resources in the target resource type account;

[0015] The process of determining the current resource type account is as follows: obtaining the current geographic location information, determining the current resource type corresponding to the current geographic location information, and querying the current resource type account corresponding to the resource transferor identifier and the current resource type.

[0016] Optionally, the foreign exchange purchase method list includes a market transaction method, an order transaction method, and a minimum exchange rate transaction method;

[0017] The method further includes: determining the time point corresponding to the lowest exchange rate through a pre-constructed exchange rate analysis model, and using the time point as an exchange rate determination condition; wherein the exchange rate analysis model is constructed based on the exchange rate of the historical time period, and is iteratively updated according to the relationship between time and exchange rate.

[0018] Optionally, in the case where a preset account is used as a resource transfer account, the resource exchange operation is performed on the current resource type account identified by the resource transferor based on the resource transfer amount, and the foreign exchange purchase resources are stored in the resource transfer account, including:

[0019] According to the exchange rate between the current resource type and the target resource type, the current resource type demand corresponding to the resource transfer amount is calculated;

[0020] Extract the current resource type demand from the current resource type account for resource exchange, and store the purchased foreign exchange resources in the preset account.

[0021] Optionally, the current resource type account includes a current resource type digital wallet, the target resource type account includes a target resource type digital wallet, and the preset account sets different digital wallets for different resource types;

[0022] The resource exchange operation is performed on the current resource type account identified by the resource transferor based on the resource transfer amount, including the following situations:

[0023] Perform resource exchange operations on the current resource type digital wallet and the digital wallet corresponding to the target resource type in the preset account;

[0024] Perform resource exchange operations on the current resource type digital wallet and the target resource type digital wallet.

[0025] Optionally, the method further comprises:

[0026] Determine the resource transfer type based on the geographical location information of the current resource type account and the geographical location information of the resource recipient account;

[0027] In response to the resource transfer type being domestic resource transfer to another bank, a domestic resource transfer application form is displayed.

[0028] To achieve the above object, according to another aspect of an embodiment of the present invention, a resource transfer processing device is provided, comprising:

[0029] The receiving module is used to respond to the selection operation of the resource transfer option, display the resource transfer order page, receive the input transaction information and resource receiver account, and obtain the resource transferor identifier; wherein the transaction information includes the resource transfer amount and the target resource type;

[0030] An account and resource exchange module, which is used to display a resource transfer mode list in the resource transfer order making page, and in response to a selection operation of a spot foreign exchange resource transfer mode in the resource transfer mode list, use a target resource type account corresponding to the resource transferor identifier and the target resource type as a resource transfer account;

[0031] In response to the selection operation of the purchase and payment foreign exchange resource transfer mode in the resource transfer mode list, if the target resource type account exists in the query, the target resource type account is used as the resource transfer account, otherwise the preset account is used as the resource transfer account; and based on the resource transfer amount, the resource exchange operation is performed on the current resource type account identified by the resource transferor, and the purchase foreign exchange resources are stored in the resource transfer account;

[0032] The resource transfer module is used to generate a resource transfer request based on the resource transfer account, transaction information and resource recipient account, and determine the local clearing system that supports the receiving institution according to the receiving institution to which the resource recipient account belongs, and send the resource transfer request to the local clearing system through the transfer system for resource transfer processing.

[0033] Optionally, the account and resource exchange module is used to:

[0034] In response to the current available resource amount in the target resource type account being greater than or equal to the resource transfer amount, the target resource type account is used as the resource transfer account.

[0035] Optionally, when the target resource type account is used as a resource transfer account, the account and resource exchange module is used to:

[0036] Displaying a list of foreign exchange purchasing methods, and in response to a selection operation of a target foreign exchange purchasing method in the list of foreign exchange purchasing methods, determining an exchange rate determination condition corresponding to the target foreign exchange purchasing method;

[0037] In response to the exchange rate between the current resource type and the target resource type meeting the exchange rate determination condition, calculating the current resource type demand corresponding to the resource transfer amount;

[0038] Extract the current resource type demand from the current resource type account for resource exchange, and store the purchased foreign exchange resources in the target resource type account;

[0039] The process of determining the current resource type account is as follows: obtaining the current geographic location information, determining the current resource type corresponding to the current geographic location information, and querying the current resource type account corresponding to the resource transferor identifier and the current resource type.

[0040] Optionally, the foreign exchange purchase method list includes a market transaction method, an order transaction method, and a minimum exchange rate transaction method;

[0041] The device also includes: determining the time point corresponding to the lowest exchange rate through a pre-built exchange rate analysis model, and using the time point as an exchange rate determination condition; wherein the exchange rate analysis model is built based on the exchange rate of the historical time period, and iteratively updated according to the relationship between time and exchange rate.

[0042] Optionally, when a preset account is used as a resource transfer account, the account and resource exchange module is used to:

[0043] According to the exchange rate between the current resource type and the target resource type, the current resource type demand corresponding to the resource transfer amount is calculated;

[0044] Extract the current resource type demand from the current resource type account for resource exchange, and store the purchased foreign exchange resources in the preset account.

[0045] Optionally, the current resource type account includes a current resource type digital wallet, the target resource type account includes a target resource type digital wallet, and the preset account sets different digital wallets for different resource types;

[0046] The account and resource exchange module includes the following situations:

[0047] Perform resource exchange operations on the current resource type digital wallet and the digital wallet corresponding to the target resource type in the preset account;

[0048] Perform resource exchange operations on the current resource type digital wallet and the target resource type digital wallet.

[0049] Optionally, the device further comprises an application module, which is used to:

[0050] Determine the resource transfer type based on the geographical location information of the current resource type account and the geographical location information of the resource recipient account;

[0051] In response to the resource transfer type being domestic resource transfer to another bank, a domestic resource transfer application form is displayed.

[0052] To achieve the above objective, according to another aspect of an embodiment of the present invention, a resource transfer processing electronic device is provided.

[0053] The electronic device of an embodiment of the present invention includes: one or more processors; a storage device for storing one or more programs, when the one or more programs are executed by the one or more processors, the one or more processors implement any of the resource transfer processing methods described above.

[0054] To achieve the above objective, according to another aspect of an embodiment of the present invention, a computer-readable medium is provided, on which a computer program is stored, and when the program is executed by a processor, any of the resource transfer processing methods described above is implemented.

[0055] To achieve the above object, according to another aspect of an embodiment of the present invention, a computer program product is provided. A computer program product according to an embodiment of the present invention includes a computer program, and when the program is executed by a processor, the resource transfer processing method provided in the embodiment of the present invention is implemented.

[0056] According to the solution provided by the present invention, one embodiment of the above invention has the following advantages or beneficial effects: integrating remittance and foreign exchange purchase into one page process solves the problem that the existing remittance and foreign exchange purchase are on different pages, avoids customers from frequently switching between different pages, improves customer experience, and reduces system load to ensure system utilization. The system automatically determines the corresponding resource transfer processing strategy according to the resource transfer mode selected by the customer to determine the resource transfer account, and then automatically generates a resource transfer request and sends it to the transfer system, which is then sent to the local clearing system through the transfer system, thereby realizing the automated processing of resource transfer, reducing manual intervention, and reducing security risks.

[0057] The further effects of the above-mentioned non-conventional optional manner will be described below in conjunction with specific implementation examples. BRIEF DESCRIPTION OF THE DRAWINGS

[0058] The accompanying drawings are used to better understand the present invention and do not constitute an improper limitation of the present invention.

[0059] Figure 1 is a schematic diagram of the main flow of a resource transfer processing method according to an embodiment of the present invention;

[0060] FIG2 (a) is a schematic flow chart of an optional resource transfer processing method according to an embodiment of the present invention;

[0061] FIG2( b ) is a flow chart of another optional resource transfer processing method according to an embodiment of the present invention;

[0062] FIG2( c ) is a flow chart of another optional resource transfer processing method according to an embodiment of the present invention;

[0063] Figure 3 is a schematic diagram of main modules of a resource transfer processing device according to an embodiment of the present invention;

[0064] Figure 4 is an exemplary system architecture diagram to which embodiments of the present invention may be applied;

[0065] Figure 5 It is a schematic diagram of the structure of a computer system of a mobile device or a server suitable for implementing an embodiment of the present invention. DETAILED DESCRIPTION

[0066] The following is a description of exemplary embodiments of the present invention in conjunction with the accompanying drawings, including various details of the embodiments of the present invention to facilitate understanding, which should be considered as merely exemplary. Therefore, it should be recognized by those of ordinary skill in the art that various changes and modifications may be made to the embodiments described herein without departing from the scope and spirit of the present invention. Similarly, for clarity and conciseness, the description of well-known functions and structures is omitted in the following description.

[0067] It should be noted that in the embodiments of the present application, certain software, components, models and other existing solutions in the industry may be mentioned, and they should be regarded as exemplary. Their purpose is only to illustrate the feasibility of implementing the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0068] In the absence of conflict, the embodiments and features of the embodiments of the present invention can be combined with each other. The acquisition, transmission, storage, use, and processing of data in the technical solution of the present invention are in compliance with the relevant provisions of national laws and regulations, and are used for legal and reasonable purposes, and are not shared, disclosed, or sold outside of these legal uses, and are subject to supervision and management by regulatory authorities.

[0069] For user information, necessary measures should be taken to prevent illegal access to such personal information data, ensure that persons who have access to personal information data comply with relevant laws and regulations, and ensure the security of user personal information. Once such user personal information data is no longer needed, risks should be minimized by limiting or even prohibiting data collection and / or deleting data. When applicable, including in certain relevant applications, protect user privacy by de-identifying data, such as by removing specific identifiers (e.g., date of birth, etc.), controlling the amount or specificity of stored data (e.g., collecting location data at the city level rather than at the specific address level), controlling how data is stored, and / or other methods of de-identification.

[0070] When using the current overseas trade remittance service, customers with foreign currency accounts (i.e. target resource type accounts) need to first purchase foreign exchange on the corporate online banking before making foreign exchange remittances. If the customer does not have a foreign currency account, they need to first open a foreign currency account at the bank, then purchase foreign exchange on the corporate online banking, and finally make foreign exchange remittances. This method has limitations and affects the customer's transaction experience.

[0071] In order to solve this problem, this solution preferably integrates remittance and foreign exchange purchase into one page process, and the customer implements these two functions when initiating a remittance, so as to facilitate the customer's overseas trade. When the customer does not have enough foreign exchange or does not have a foreign currency account, he can directly use RMB (or other domestic currencies) to make remittances in the foreign exchange remittance process. The bank teller will transfer the currency according to the foreign exchange rate provided by the customer, thus saving the customer the trouble of multiple operations. For customers, it meets customer needs and reduces their workload.

[0072] See also Figure 1 , which shows a main flow chart of a resource transfer processing method provided by an embodiment of the present invention, comprising the following steps:

[0073] S101: In response to the selection operation of the resource transfer option, a resource transfer order making page is displayed, the input transaction information and the resource receiver account are received, and the resource transferor identifier is obtained; wherein the transaction information includes the resource transfer amount and the target resource type;

[0074] S102: Displaying a resource transfer mode list on a resource transfer order page, and in response to a selection operation of a spot foreign exchange resource transfer mode in the resource transfer mode list, using a target resource type account corresponding to the resource transferor identifier and the target resource type as a resource transfer account;

[0075] S103: In response to the selection operation of the purchase and payment foreign exchange resource transfer mode in the resource transfer mode list, if the target resource type account exists in the query, the target resource type account is used as the resource transfer account;

[0076] S104: In response to the selection operation of the purchase and payment foreign exchange resource transfer mode in the resource transfer mode list, if the target resource type account does not exist in the query, the preset account is used as the resource transfer account;

[0077] S105: Based on the resource transfer amount, perform a resource exchange operation on the current resource type account identified by the resource transferor, and store the foreign exchange purchase resources into the resource transfer account;

[0078] S106: Generate a resource transfer request based on the resource transfer account, transaction information and resource recipient account, and determine the local clearing system that supports the receiving institution according to the receiving institution to which the resource recipient account belongs, and send the resource transfer request to the local clearing system through the transfer system for resource transfer processing.

[0079] In the above implementation, for step S101, the user selection operation is monitored, and the display of the foreign exchange order page (i.e., the resource transfer order page) is triggered by monitoring button clicks or other interactive events. For example, after monitoring the user's selection of foreign exchange remittance, the foreign exchange order page is loaded and displayed. The foreign exchange order page is different from the existing page, and the remittance and purchase of foreign exchange are integrated into one page, so as to avoid the cumbersome operation of customers frequently switching pages back and forth, and improve the customer experience. This can be done through corporate online banking. The corporate webpage is usually in the form of a page, which is a channel. The user selects corporate online banking and selects the foreign exchange remittance function.

[0080] Collect transaction information (such as remittance amount, foreign currency, remittance amount is the amount of resource transfer, foreign currency is the target resource type) and receiving account (resource recipient account) information entered by the user on the foreign exchange order page. At the same time, obtain the user's unique identification information, including but not limited to the ID number, from the current session or other storage mechanism to process subsequent remittance requests.

[0081] This solution is applicable to foreign currency remittances between customers, between companies, and between companies and customers. For example, between customers: Individual A needs to remit USD to Individual B in another country. Through the corporate online banking, select the foreign exchange remittance function, fill in the transaction information and the receiving account information, and confirm the remittance. Between companies: Company X needs to pay Euros to its foreign supplier Company Y. Through the corporate online banking, select the foreign exchange remittance function, fill in the remittance amount, Euro currency, and the receiving account information, and confirm the remittance. Between companies and customers: Company Z needs to pay commissions (pounds) to individual customer C abroad. Through the corporate online banking, select the foreign exchange remittance function, fill in the remittance amount, Pound currency, and the receiving account information, and confirm the remittance.

[0082] For steps S102 to S105, the resource exchange operation in step S105 can be performed simultaneously with S103 and S104, or can be performed one after another, and there is no restriction here. This solution adds a purchase and payment function to the single remittance function of foreign exchange remittance, so a "remittance mode (i.e. resource transfer mode)" option (or column) is added to the top of the order making page, and the customer can choose "spot foreign exchange remittance" or "purchase and payment foreign exchange remittance". "Spot foreign exchange remittance" is used to remit foreign exchange directly from the foreign currency account selected by the customer (usually a domestic foreign currency account), and "purchase and payment foreign exchange remittance, in English, Foreign Exchange Purchase & Payment, is used to refer to the operation of purchasing foreign exchange first and then remitting foreign exchange, such as first purchasing the required foreign currency with RMB and then remitting.

[0083] Different foreign exchange processing strategies (i.e. resource transfer processing strategies) are set in advance for different remittance modes, which are described one by one here:

[0084] Embodiment 1: Spot foreign exchange remittance mode (or spot foreign exchange resource transfer mode), see Figure 2 (a). If the customer selects the "spot foreign exchange remittance" mode, the content of the order page remains unchanged. In this case, it is assumed that the customer has a foreign currency account. Assuming that the remittance amount is 1 US dollar, the US dollar amount is directly determined to be 1 US dollar. If the customer has 1 US dollar available in the US dollar account, the customer's US dollar account is used as the remittance account and 1 US dollar is used as the remittance amount. In this case, the remittance amount is preferably set to the US dollar amount, and no currency conversion is required.

[0085] Example 2: Purchase and payment of foreign exchange remittance mode (or purchase and payment of foreign exchange resource transfer mode). If the customer selects the "purchase and payment of foreign exchange remittance" mode, the system identifies whether the customer has a foreign currency account, that is, checks whether there is a foreign currency account corresponding to the user ID and foreign currency, and distinguishes the situation based on whether there is a foreign currency account:

[0086] 1. The customer does not have a foreign currency account. As shown in Figure 2 (b), the customer purchases foreign exchange through an internal account and directly remits the foreign exchange.

[0087] Assuming that the remittance amount is in foreign currency, such as the aforementioned 1 USD, it is necessary to first obtain the user's current location information and determine the current currency corresponding to the current location information, assuming it is RMB. Assuming that the current exchange rate is 1 USD to 7 RMB, the customer can choose to immediately purchase 1 USD with 7 RMB. In this case, it is necessary to first determine the customer's RMB account. The customer may have multiple RMB accounts, from which he can select a RMB account with a balance greater than 7 RMB. Therefore, the customer's "remittance account" is a RMB account, or it can be regarded as an internal account (i.e., a preset account). Then use the market price to purchase foreign exchange, get 1 USD, and store 1 USD in the internal account.

[0088] The exchange rate refers to the exchange rate between two different currencies, which can also be understood as the price of one currency relative to another. Specifically, the exchange rate indicates how many units of another currency can be exchanged for one unit of a certain currency. The exchange rate reflects the value comparison between the currencies of two countries and is a very important indicator in international trade and financial transactions.

[0089] 2. The customer has a foreign currency account. As shown in Figure 2 (c), if the customer has a foreign currency account, in this case, only the foreign currency account can be selected in the "remittance account", and regardless of whether the balance in the foreign currency account is greater than or equal to the remittance amount, it is necessary to exchange the currency by purchasing foreign exchange. For example, if the balance in the foreign currency account is US$3 and the remittance amount is US$1, it is also necessary to obtain US$1 through currency exchange before remittance.

[0090] There are three types of foreign exchange purchase methods, including but not limited to market price transactions, minimum exchange rate transactions and order transactions, which can be adjusted according to market demand. Customers can choose one of the foreign exchange purchase methods as the target foreign exchange purchase method as needed. Different foreign exchange purchase methods have different exchange rate determination conditions.

[0091] 1) Market price transaction: This method allows customers to purchase foreign exchange immediately according to the current market real-time exchange rate. Customers do not need to wait for a specific exchange rate, but can directly complete the foreign exchange purchase transaction according to the current real-time exchange rate provided by the bank. The advantage is that it is fast and convenient, and is suitable for situations that are not sensitive to exchange rate fluctuations. For example, if the current exchange rate is 1 US dollar to 7 RMB, customers can choose to immediately buy 1 US dollar with 7 RMB.

[0092] 2) Order transaction: This method allows customers to set a desired exchange rate (target exchange rate), or some companies sign contracts with banks to set a new exchange rate (target exchange rate) that is different from the market exchange rate, and then wait for the market exchange rate to reach or exceed this target exchange rate before purchasing foreign exchange. This method allows customers to purchase foreign exchange within the expected exchange rate range and avoid the risks caused by exchange rate fluctuations. For example, if a customer wants to purchase foreign exchange when the exchange rate reaches 1 US dollar to 6.9 RMB, an order transaction can be set up to automatically complete the purchase of foreign exchange when the market exchange rate reaches this level. The remittance amount after the purchase of foreign exchange is also first stored in the foreign currency account, and the remittance operation is performed by the foreign currency account.

[0093] 3) Lowest exchange rate transactions, obtain historical exchange rates within a certain period of time, extract useful features such as dates, timestamps, holidays, etc., or calculate some statistical indicators such as moving average, volatility, etc. Select a model suitable for time series prediction, such as ARIMA (autoregressive integrated moving average model), LSTM (long short-term memory network) or other machine learning models (such as random forest, XGBoost, etc.). Use historical exchange rate data to train the selected model, use the trained model to predict the exchange rate in the future, and generate exchange rate forecasts for the next few days or weeks. Find the time point when the lowest exchange rate occurs from the prediction results, and use this time point as the exchange rate determination condition. The model can also be iteratively updated based on the latest exchange rate data.

[0094] Taking the LSTM model as an example, collect daily exchange rate data for the past year, clean the data and extract useful features. Build an LSTM model, divide the data set into a training set (80%) and a validation set (20%), train the model and verify it. Use grid search to adjust hyperparameters (such as hidden layer size, learning rate, etc.), and further optimize the model through cross-validation. Assume that the transaction information includes the exchange rate time point, such as the next week of the current week, or the week after the current time. Use the trained model to predict the exchange rate for the next week and find the time point when the lowest exchange rate occurs. Assume that the prediction results show that the lowest exchange rate in the next week occurs on the third day, take the third day as the lowest exchange rate time point, automatically purchase foreign exchange on the third day, and complete the transaction at the lowest exchange rate. Through the above steps, historical exchange rate data can be effectively used to build an exchange rate analysis model and determine the time point corresponding to the lowest exchange rate, thereby optimizing foreign exchange purchase decisions.

[0095] It should be noted that the above foreign currency account and the current currency account can be located in the same account. Taking Zhang San as an example, Zhang San has an account. According to Zhang San's request, a RMB account and a US dollar account are set under this account. However, Li Si did not set any requirements. Therefore, only a RMB account is set under Li Si's account. Therefore, for Zhang San, the RMB account and the US dollar account can be regarded as sub-accounts of different currencies under the same user account. Moreover, the present application can also set digital wallets for each sub-account. For example, a RMB digital wallet is set for the RMB account, a US dollar digital wallet is set for the US dollar account, and for the digital wallet of the preset account (i.e., the internal account), different digital wallets can be set for different currencies. In this case, for Zhang San, foreign exchange purchase is actually a currency exchange between different currency sub-accounts within his account. Specifically, the exchange operation can be carried out through the corresponding digital wallet. For example, exchanging from the RMB digital wallet to the US dollar digital wallet. For Li Si, since there is no US dollar account, the essence is the currency exchange from the RMB digital wallet to the US dollar digital wallet in the internal account.

[0096] For step S106, after determining the remittance account, based on the remittance account, transaction information (such as remittance amount, currency) and payee account information, generate a foreign exchange remittance form, and further generate a foreign exchange remittance request based on this remittance form. According to the payee institution to which the payee account belongs, determine the local clearing system that supports the said payee institution, and then send the foreign exchange remittance request to the local clearing system through the transfer system for foreign exchange remittance processing.

[0097] For example, when the user selects spot foreign exchange remittance, the remittance account is a US dollar account, the remittance amount is 1 US dollar, and the payee account is a US dollar account of a certain bank in the United States, the system will perform the following steps:

[0098] 1. Generate a foreign exchange remittance form: The remittance form includes remitter information (such as name, account number), payee information (such as name, account number, bank name, bank address, SWIFT / BIC code), remittance amount (1 USD), currency (USD), remittance note, etc.

[0099] 2. Generate a foreign exchange remittance request: According to the information in the foreign exchange remittance form, create a request object containing all necessary remittance details, such as {"payer": "Zhang San", "payerAccount": "USD123456", "payee": "John Doe", "payeeBank": "ABC Bank USA", "amount": 1, "currency": "USD", "swiftCode": "ABCDBL22", "reference": "Payment for goods"}.

[0100] 3. Relevant information of the receiving account, including but not limited to the name of the payee, the name of the receiving bank, the bank code (such as SWIFT / BIC code or local bank code), etc. Based on the extracted name or code of the receiving bank, search the specific information of the receiving bank in the local database or third-party service to confirm its country and region. Different countries and regions have different financial clearing systems (for example, the United States has Fedwire, and China has CIPS or CNAPS). According to the country or region where the receiving bank is located, determine the local clearing system applicable to the region. This step may involve querying internal or external databases to obtain accurate clearing system information. It should be noted that this step can be performed after receiving the receiving account, after generating a foreign exchange remittance request, or while generating a foreign exchange remittance request. There is no specific restriction, and it is preferably performed after receiving the receiving account.

[0101] 4. Send the request to the transfer system: Send the above foreign exchange remittance request to the bank's internal transfer system or third-party payment platform to complete the actual foreign exchange remittance processing. In this way, an automated process from customer selection to actual remittance is achieved.

[0102] 5. After identifying the applicable local clearing system, prepare the corresponding remittance request data format according to the rules and requirements of the system, and send the foreign exchange remittance request to the local clearing system for processing through the correct interface or channel.

[0103] Through the above steps, it can be ensured that the foreign exchange remittance request can be accurately sent to the local clearing system that supports the receiving bank for subsequent remittance operations. This not only improves the efficiency of remittance, but also reduces the risk of fund delay or return caused by incorrect clearing system.

[0104] This solution does not set a single limit control for "spot foreign exchange remittance" and "purchase and payment foreign exchange remittance", that is, it will not limit the maximum amount of each transaction. In addition, this solution also sets remittance types, such as domestic other bank resource transfer and cross-border resource transfer. First, obtain the location information of the current currency account (i.e. the remitter's account) and the location information of the receiving account. Compare the account locations: 1) If both accounts are located in the same country and belong to different banks, it is considered "domestic other bank resource transfer". 2) If the two accounts are located in different countries, it is considered "cross-border resource transfer". For the case where the "remittance type" is "domestic other bank", the domestic resource transfer application form pops up. The customer can click the "close button" to close the application form, or fill in the application form, which is set according to the actual situation.

[0105] In addition, in order to improve the selection experience of "Transaction Code 1" and "Transaction Code 2" in the "International Balance of Payments Declaration Information" module, a "Select" button can be added next to each code field. After the user clicks the "Select" button, a list of international balance of payments declaration transaction codes will pop up for the user to choose, such as designing the "International Balance of Payments Declaration Transaction Code" field in "Exchange Rate Business-Spot Foreign Exchange Settlement and Sale-Transaction Form".

[0106] For example, when the user clicks the "Select" button, the following list appears:

[0107] 101010 - General trade loan

[0108] 122030 - Online shopping not included in customs statistics

[0109] 202020 - Business travel income / expenditure

[0110] 301010 - Remittance income from employees under one year

[0111] Users can select the appropriate transaction code from this list, and the code will be automatically filled into the corresponding "Transaction Code 1" or "Transaction Code 2" field. This design simplifies the user's operation process and improves the efficiency of filling in international balance of payments declaration information.

[0112] The method provided in the above embodiment integrates remittance and purchase of foreign exchange into one page process, avoiding customers from frequently switching between different pages, improving customer experience, reducing system load, and ensuring system utilization. The system automatically determines the corresponding resource transfer processing strategy according to the resource transfer mode selected by the customer to determine the resource transfer account, automatically generates a resource transfer request and sends it to the transfer system, realizes the automated processing of resource transfer, reduces manual intervention, and reduces security risks. These improvements are intended to simplify the customer's resource transfer process and improve customer experience, especially in the operation of purchasing foreign exchange and remittance, meet customers' needs for fast resource transfer, and no longer only consider the target resource type account, and improve the flexibility and scalability of the system.

[0113] See also Figure 3 , which shows a schematic diagram of main modules of a resource transfer processing device 300 provided in an embodiment of the present invention, including:

[0114] The receiving module 301 is used to respond to the selection operation of the resource transfer option, display the resource transfer order page, receive the input transaction information and resource receiver account, and obtain the resource transferor identifier; wherein the transaction information includes the resource transfer amount and the target resource type;

[0115] The account and resource exchange module 302 is used to display a resource transfer mode list in the resource transfer order page, and in response to the selection operation of the spot foreign exchange resource transfer mode in the resource transfer mode list, use the target resource type account corresponding to the resource transferor identifier and the target resource type as the resource transfer account;

[0116] In response to the selection operation of the purchase and payment foreign exchange resource transfer mode in the resource transfer mode list, if the target resource type account exists in the query, the target resource type account is used as the resource transfer account, otherwise the preset account is used as the resource transfer account; and based on the resource transfer amount, the resource exchange operation is performed on the current resource type account identified by the resource transferor, and the purchase foreign exchange resources are stored in the resource transfer account;

[0117] The resource transfer module 303 is used to generate a resource transfer request based on the resource transfer account, transaction information and resource recipient account, and determine the local clearing system that supports the receiving institution according to the receiving institution to which the resource recipient account belongs, and send the resource transfer request to the local clearing system through the transfer system for resource transfer processing.

[0118] In the implementation device of the present invention, the account and resource exchange module 302 is used to:

[0119] In response to the current available resource amount in the target resource type account being greater than or equal to the resource transfer amount, the target resource type account is used as the resource transfer account.

[0120] In the implementation device of the present invention, when the target resource type account is used as the resource transfer account, the account and resource exchange module 302 is used to:

[0121] Displaying a list of foreign exchange purchasing methods, and in response to a selection operation of a target foreign exchange purchasing method in the list of foreign exchange purchasing methods, determining an exchange rate determination condition corresponding to the target foreign exchange purchasing method;

[0122] In response to the exchange rate between the current resource type and the target resource type meeting the exchange rate determination condition, calculating the current resource type demand corresponding to the resource transfer amount;

[0123] Extract the current resource type demand from the current resource type account for resource exchange, and store the purchased foreign exchange resources in the target resource type account;

[0124] The process of determining the current resource type account is as follows: obtaining the current geographic location information, determining the current resource type corresponding to the current geographic location information, and querying the current resource type account corresponding to the resource transferor identifier and the current resource type.

[0125] In the implementation device of the present invention, the foreign exchange purchase method list includes a market price transaction method, an order transaction method and a minimum exchange rate transaction method;

[0126] The device also includes: determining the time point corresponding to the lowest exchange rate through a pre-built exchange rate analysis model, and using the time point as an exchange rate determination condition; wherein the exchange rate analysis model is built based on the exchange rate of the historical time period, and iteratively updated according to the relationship between time and exchange rate.

[0127] In the implementation device of the present invention, when the preset account is used as the resource transfer account, the account and resource exchange module 302 is used to:

[0128] According to the exchange rate between the current resource type and the target resource type, the current resource type demand corresponding to the resource transfer amount is calculated;

[0129] Extract the current resource type demand from the current resource type account for resource exchange, and store the purchased foreign exchange resources in the preset account.

[0130] In the implementation device of the present invention, the current resource type account includes a current resource type digital wallet, the target resource type account includes a target resource type digital wallet, and the preset account sets different digital wallets for different resource types;

[0131] The account and resource exchange module 302 includes the following situations:

[0132] Perform resource exchange operations on the current resource type digital wallet and the digital wallet corresponding to the target resource type in the preset account;

[0133] Perform resource exchange operations on the current resource type digital wallet and the target resource type digital wallet.

[0134] The implementation device of the present invention also includes an application module, which is used to:

[0135] Determine the resource transfer type based on the geographical location information of the current resource type account and the geographical location information of the resource recipient account;

[0136] In response to the resource transfer type being domestic resource transfer to another bank, a domestic resource transfer application form is displayed.

[0137] In addition, the specific implementation content of the device described in the embodiment of the present invention has been described in detail in the method described above, so the repeated content will not be described again here.

[0138] Figure 4 An exemplary system architecture 400 to which embodiments of the present invention may be applied is shown, including terminal devices 401 , 402 , 403 , a network 404 and a server 405 (only an example).

[0139] Terminal devices 401, 402, 403 may be various electronic devices with display screens and supporting web browsing, and may be installed with various communication client applications. Users may use terminal devices 401, 402, 403 to interact with server 405 via network 404 to receive or send messages, etc.

[0140] The network 404 is used to provide a medium for communication links between the terminal devices 401, 402, 403 and the server 405. The network 404 may include various connection types, such as wired, wireless communication links or optical fiber cables.

[0141] The server 405 may be a server that provides various services, such as a backend management server that provides support for shopping websites browsed by users using the terminal devices 401, 402, and 403 (for example only). The backend management server may analyze and process the received data such as product information query requests, and feed back the processing results (such as target push information, product information - for example only) to the terminal device. It should be noted that the method provided in the embodiment of the present invention is generally executed by the server 405, and accordingly, the device is generally set in the server 405.

[0142] It should be understood that Figure 4 The number of terminal devices, networks and servers in the embodiment is only for illustration. Any number of terminal devices, networks and servers may be provided according to implementation requirements.

[0143] Reference below Figure 5 , which shows a schematic diagram of the structure of a computer system 500 of a terminal device suitable for implementing an embodiment of the present invention. Figure 5 The terminal device shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present invention.

[0144] like Figure 5 As shown, the computer system 500 includes a central processing unit (CPU) 501, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 502 or a program loaded from a storage part 508 into a random access memory (RAM) 503. In the RAM 503, various programs and data required for the operation of the system 500 are also stored. The CPU 501, the ROM 502, and the RAM 503 are connected to each other through a bus 504. An input / output (I / O) interface 505 is also connected to the bus 504.

[0145] The following components are connected to the I / O interface 505: an input section 506 including a keyboard, a mouse, etc.; an output section 507 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 508 including a hard disk, etc.; and a communication section 509 including a network interface card such as a LAN card, a modem, etc. The communication section 509 performs communication processing via a network such as the Internet. A drive 510 is also connected to the I / O interface 505 as needed. A removable medium 511, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 510 as needed, so that a computer program read therefrom is installed into the storage section 508 as needed.

[0146] In particular, according to the embodiments disclosed in the present invention, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present invention include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program contains program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 509, and / or installed from the removable medium 511. When the computer program is executed by the central processing unit (CPU) 501, the above-mentioned functions defined in the system of the present invention are executed.

[0147] It should be noted that the computer-readable medium shown in the present invention may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present invention, a computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, device or device. In the present invention, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, which carries a computer-readable program code. This propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than computer-readable storage media, which may send, propagate or transmit a program for use by or in conjunction with an instruction execution system, apparatus or device. The program code contained on the computer-readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0148] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present invention. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0149] The modules involved in the embodiments of the present invention may be implemented by software or hardware. The modules described may also be arranged in a processor, for example, they may be described as: a processor including a receiving module, an account and resource exchange module, and a resource transfer module. The names of these modules do not constitute a limitation on the modules themselves in some cases, for example, the resource transfer module may also be described as a "remittance module".

[0150] As another aspect, the present invention further provides a computer-readable medium, which may be included in the device described in the above embodiment; or may exist independently without being assembled into the device. The above computer-readable medium carries one or more programs, and when the above one or more programs are executed by a device, the device executes any of the resource transfer processing methods described above.

[0151] The computer program product of the present invention comprises a computer program, and when the computer program is executed by a processor, the resource transfer processing method in the embodiment of the present invention is implemented.

[0152] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A resource transfer processing method, characterized in that: include: In response to the selection operation of the resource transfer option, a resource transfer order page is displayed, the input transaction information and resource recipient account are received, and the resource transferor identifier is obtained; wherein the transaction information includes the resource transfer amount and the target resource type; A resource transfer mode list is displayed on the resource transfer order making page, and in response to a selection operation of a spot foreign exchange resource transfer mode in the resource transfer mode list, a target resource type account corresponding to the resource transferor identifier and the target resource type is used as a resource transfer account; In response to the selection operation of the purchase and payment foreign exchange resource transfer mode in the resource transfer mode list, if the target resource type account exists in the query, the target resource type account is used as the resource transfer account, otherwise the preset account is used as the resource transfer account; and based on the resource transfer amount, the resource exchange operation is performed on the current resource type account identified by the resource transferor, and the purchase foreign exchange resources are stored in the resource transfer account; A resource transfer request is generated based on the resource transfer account, transaction information and resource recipient account, and a local clearing system that supports the receiving institution is determined based on the receiving institution to which the resource recipient account belongs. The resource transfer request is sent to the local clearing system through the transfer system for resource transfer processing.

2. The method according to claim 1, characterized in that The target resource type account corresponding to the resource transferor identifier and the target resource type is used as the resource transfer account, including: In response to the current available resource amount in the target resource type account being greater than or equal to the resource transfer amount, the target resource type account is used as the resource transfer account.

3. The method according to claim 1, characterized in that In the case where the target resource type account is used as the resource transfer account, the resource exchange operation is performed on the current resource type account identified by the resource transferor based on the resource transfer amount, and the foreign exchange purchase resources are stored in the resource transfer account, including: Displaying a list of foreign exchange purchasing methods, and in response to a selection operation of a target foreign exchange purchasing method in the list of foreign exchange purchasing methods, determining an exchange rate determination condition corresponding to the target foreign exchange purchasing method; In response to the exchange rate between the current resource type and the target resource type meeting the exchange rate determination condition, calculating the current resource type demand corresponding to the resource transfer amount; Extract the current resource type demand from the current resource type account for resource exchange, and store the purchased foreign exchange resources in the target resource type account; The process of determining the current resource type account is as follows: obtaining the current geographic location information, determining the current resource type corresponding to the current geographic location information, and querying the current resource type account corresponding to the resource transferor identifier and the current resource type.

4. The method according to claim 3, characterized in that The list of foreign exchange purchase methods includes market trading method, order trading method and minimum exchange rate trading method; The method further includes: determining the time point corresponding to the lowest exchange rate through a pre-constructed exchange rate analysis model, and using the time point as an exchange rate determination condition; wherein the exchange rate analysis model is constructed based on the exchange rate of the historical time period, and is iteratively updated according to the relationship between time and exchange rate.

5. The method according to claim 1 or 3, characterized in that: In the case where the preset account is used as the resource transfer account, the resource exchange operation is performed on the current resource type account identified by the resource transferor based on the resource transfer amount, and the foreign exchange purchase resources are stored in the resource transfer account, including: According to the exchange rate between the current resource type and the target resource type, the current resource type demand corresponding to the resource transfer amount is calculated; Extract the current resource type demand from the current resource type account for resource exchange, and store the purchased foreign exchange resources in the preset account.

6. The method according to claim 1, characterized in that The current resource type account includes the current resource type digital wallet, the target resource type account includes the target resource type digital wallet, and the preset account sets different digital wallets for different resource types; The resource exchange operation is performed on the current resource type account identified by the resource transferor based on the resource transfer amount, including the following situations: Perform resource exchange operations on the current resource type digital wallet and the digital wallet corresponding to the target resource type in the preset account; Perform resource exchange operations on the current resource type digital wallet and the target resource type digital wallet.

7. The method according to claim 1, characterized in that The method further comprises: Determine the resource transfer type based on the geographical location information of the current resource type account and the geographical location information of the resource recipient account; In response to the resource transfer type being domestic resource transfer to another bank, a domestic resource transfer application form is displayed.

8. A resource transfer processing device, characterized in that: include: The receiving module is used to respond to the selection operation of the resource transfer option, display the resource transfer order page, receive the input transaction information and resource receiver account, and obtain the resource transferor identifier; wherein the transaction information includes the resource transfer amount and the target resource type; An account and resource exchange module, which is used to display a resource transfer mode list in the resource transfer order making page, and in response to a selection operation of a spot foreign exchange resource transfer mode in the resource transfer mode list, use a target resource type account corresponding to the resource transferor identifier and the target resource type as a resource transfer account; In response to the selection operation of the purchase and payment foreign exchange resource transfer mode in the resource transfer mode list, if the target resource type account exists in the query, the target resource type account is used as the resource transfer account, otherwise the preset account is used as the resource transfer account; and based on the resource transfer amount, the resource exchange operation is performed on the current resource type account identified by the resource transferor, and the purchase foreign exchange resources are stored in the resource transfer account; The resource transfer module is used to generate a resource transfer request based on the resource transfer account, transaction information and resource recipient account, and determine the local clearing system that supports the receiving institution according to the receiving institution to which the resource recipient account belongs, and send the resource transfer request to the local clearing system through the transfer system for resource transfer processing.

9. An electronic device, characterized in that: include: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method according to any one of claims 1 to 7.

10. A computer readable medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the method according to any one of claims 1 to 7 is implemented.

11. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the method according to any one of claims 1 to 7 is implemented.

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