Resource exchange cost determination method and apparatus, and electronic device

Abstract

The invention relates to the technical field of computers, and provides a resource exchange cost determination method and device and electronic equipment, which are used for improving the accuracy of resource exchange. According to the method, an exchange cost grading mode is adopted, an initial exchange cost is selected based on a target resource pair used by an access object, at least one round of gear up-regulation or down-regulation operation is carried out based on a gear of the initial exchange cost, and an exchange result generated by the exchange cost of two gears before and after adjustment is counted; by comparing the exchange results of the exchange costs of the two gears before and after adjustment, the target exchange cost of the access object is determined in a targeted manner, and the accuracy of determining the resource exchange cost is improved. Each exchange cost is determined based on the basic resource consumption of the mechanism and the average resource consumption on the market, so that the competitiveness of the mechanism is kept while the benefit of the mechanism is improved during gear adjustment.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to a method, device and electronic device for determining a resource exchange cost. Background Art

[0002] When providing cross-border resource exchange services to target objects, third-party resource exchange institutions need to provide target objects with exchange prices for different electronic resources. The ability of third-party resource exchange institutions to provide exchange prices for different electronic resources is obtained by accessing the banking market. Among them, the exchange prices obtained from different banks become the basic resource consumption of third-party resource exchange institutions, that is, the minimum exchange price of the third-party resource exchange institutions themselves.

[0003] At present, when third-party resource exchange agencies determine the exchange costs of target objects in different industries, they mostly rely on existing industry experience to finalize them, or finalize them through negotiation based on the independent demands of the target objects; the basic principles followed are: higher than the basic resource consumption to maintain their own interests, and lower than or equal to the average resource consumption in the market to maintain sufficient competitiveness.

[0004] However, determining the exchange price through industry experience or negotiation is easily affected by external and subjective factors. At the same time, different target objects in the same industry use the same exchange price standard. Due to the lack of specificity, this will lead to inaccurate exchange prices. In this way, when cross-border electronic resource exchanges are subsequently provided based on inaccurate exchange prices, it will have an adverse impact on the institution itself. Summary of the invention

[0005] Embodiments of the present application provide a method, device, and electronic device for determining a resource exchange cost, which are used to improve the accuracy of determining the exchange cost.

[0006] On the one hand, an embodiment of the present application provides a method for determining a resource exchange cost, including:

[0007] Based on the target resource pair used by the access object, a preset initial exchange price is obtained; wherein the target resource pair includes two electronic resources to be exchanged across borders, and the initial exchange price is determined based on the basic resource consumption required by the two electronic resources during the exchange process, combined with the average resource consumption;

[0008] Counting initial exchange results generated by exchanging two electronic resources in the target resource pair according to the initial exchange price within a preset time period;

[0009] Based on the initial exchange cost, an intermediate exchange cost is obtained, and based on the intermediate exchange cost, an intermediate exchange result generated by exchanging the target resource pair within the preset time period is obtained;

[0010] Based on a comparison result of the initial exchange result and the intermediate exchange result, a target exchange cost of the access object is determined.

[0011] On the other hand, an embodiment of the present application provides a resource exchange cost determination device, including:

[0012] An initialization module, used to obtain a preset initial exchange price based on a target resource pair used by an access object; wherein the target resource pair includes two electronic resources to be exchanged across borders, and the initial exchange price is determined based on the basic resource consumption required by the two electronic resources during the exchange process, combined with the average resource consumption;

[0013] A result determination module, used for counting the initial exchange results generated by exchanging the two electronic resources in the target resource pair according to the initial exchange cost within a preset time period;

[0014] A cost adjustment module, configured to obtain an intermediate exchange cost based on the initial exchange cost;

[0015] The result determination module is further used to obtain an intermediate exchange result generated by exchanging the target resource pair within the preset time period based on the intermediate exchange cost;

[0016] The cost determination module is used to determine the target exchange cost of the access object based on the comparison result of the initial exchange result and the intermediate exchange result.

[0017] Optionally, when the initial exchange cost is between a plurality of exchange costs determined based on the basic resource consumption and the average consumption, and the initial exchange cost is greater than the intermediate exchange cost, the cost determination module is specifically configured to:

[0018] When the intermediate exchange result is greater than the initial exchange result and the intermediate exchange cost is not the lower limit of the multiple exchange costs, a maximum exchange result is obtained through at least one round of the following reduction operations, and the exchange cost corresponding to the maximum exchange result is used as the target exchange cost of the access object; wherein each round of the following reduction operations:

[0019] The cost adjustment module is specifically used to: reduce the intermediate exchange cost according to the adjustment step size;

[0020] The result determination module is specifically used to: count new intermediate exchange results generated by exchanging two electronic resources in the target resource pair based on the reduced intermediate exchange cost within the preset time period;

[0021] The intermediate exchange result corresponding to the intermediate exchange generation before reduction is used as the new initial exchange result and compared with the new intermediate exchange result.

[0022] Optionally, when the intermediate exchange result is greater than the initial exchange result, and the intermediate exchange cost is a lower limit of the multiple exchange costs, the cost determination module is specifically configured to:

[0023] The intermediate exchange cost is used as the target exchange cost of the access object.

[0024] Optionally, when the intermediate exchange result is less than or equal to the initial exchange result, the cost adjustment module is further used to: increase the intermediate exchange cost according to the adjustment step, and determine whether the increased intermediate exchange cost is the initial exchange cost; and use the exchange cost corresponding to the maximum exchange result as the target exchange cost of the access object;

[0025] The cost determination module is specifically used to: if the increased intermediate exchange cost is not the initial exchange cost, then use the increased intermediate exchange cost as the target exchange cost of the access object; if the increased intermediate exchange cost is the initial exchange price, then perform at least one round of increase operation on the intermediate exchange cost according to the adjustment step to obtain the maximum exchange result.

[0026] Optionally, for each increase operation, the cost adjustment module is specifically used to: increase the intermediate exchange cost according to the adjustment step size, and use the intermediate exchange result corresponding to the intermediate exchange generation before the increase as the new initial exchange result;

[0027] The result determination module is specifically used to: count new intermediate exchange results generated by exchanging the target resource pair based on the increased intermediate exchange cost within the preset time period;

[0028] The cost determination module is specifically used to: re-compare the new intermediate exchange result with the new initial exchange result; if the intermediate exchange result is greater than the initial exchange result, determine whether the intermediate exchange cost corresponding to the intermediate exchange result is the upper limit of the multiple exchange costs; if the intermediate exchange cost is the upper limit of the multiple exchange costs, use the intermediate exchange cost as the target exchange cost of the access object; otherwise, use the last adjusted intermediate exchange cost as the target exchange cost of the access object.

[0029] Optionally, the initialization module is specifically used for:

[0030] If the basic resource consumption is lower than the average resource consumption, calculating the difference between the average resource consumption and the basic resource consumption;

[0031] Determine the adjustment step size of each exchange cost based on the difference and the preset number of cost levels;

[0032] Based on the adjustment step size and the basic resource consumption, obtaining exchange costs of multiple gears;

[0033] When the number of the cost levels is an odd number, the median of the exchange costs of the multiple levels is used as the initial exchange cost;

[0034] When the number of the cost levels is an even number, the exchange cost adjacent to the median among the exchange costs of the multiple levels is used as the initial exchange cost.

[0035] Optionally, the result determination module is specifically used to:

[0036] Based on the exchange cost and the basic resource consumption, obtaining an exchange rate generated each time two electronic resources in the target resource pair are exchanged;

[0037] Acquire the exchange data volume of two electronic resources in the target resource pair exchanged according to the exchange price within the preset time period;

[0038] Based on the exchange rate and the exchange data volume, the exchange result is determined.

[0039] Optionally, the cost adjustment module is specifically used to:

[0040] Based on the initial exchange cost, the intermediate exchange cost is obtained according to a preset adjustment direction and adjustment step size; or

[0041] The intermediate exchange cost is obtained based on the difference between the initial exchange cost and the basic resource consumption, and the difference between the average resource consumption and the basic resource consumption.

[0042] On the other hand, an embodiment of the present application provides an electronic device, including a processor and a memory, wherein the memory stores a computer program, and when the computer program is executed by the processor, the steps of the above-mentioned resource exchange cost determination method are implemented.

[0043] On the other hand, an embodiment of the present application provides a computer-readable storage medium having computer-executable instructions stored thereon, and when the computer-executable instructions are executed by an electronic device, the steps of the above-mentioned resource exchange cost determination method are implemented.

[0044] On the other hand, an embodiment of the present application provides a computer program product, including a computer program, which implements the steps of the above-mentioned resource exchange cost determination method when executed by an electronic device.

[0045] The beneficial effects of the resource exchange cost determination method of the embodiment of the present application are as follows:

[0046] For the target resource pair of two electronic resources that involve cross-border exchange, an initial exchange price is pre-determined for the target resource pair based on its own basic resource consumption and the average resource consumption in the market, and the initial exchange results brought about by the initial exchange price within the preset time are counted; further, on the basis of the initial exchange price, an intermediate exchange price is obtained, and based on the size of the intermediate exchange results brought about by the intermediate exchange price within the preset time and the initial exchange results, the final adjustment direction of the exchange price is determined, thereby providing the access object with an accurate target exchange price. Since the target exchange price is ultimately determined based on the actual exchange results of statistics, it does not need to rely on uncertain factors such as experience or appeals, thereby effectively improving the accuracy of the exchange price; and when determining the target exchange price of the access object, by making dynamic adjustments based on the initial exchange price, it is more targeted and flexible than the single determination method based on the exchange price standard within the industry, thereby further improving the accuracy of the exchange price determination.

[0047] Other features and advantages of the present application will be described in the following description, and partly become apparent from the description, or be understood by practicing the present application. The purpose and other advantages of the present application can be realized and obtained by the structures specifically pointed out in the written description, claims, and drawings. BRIEF DESCRIPTION OF THE DRAWINGS

[0048] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative labor.

[0049] Figure 1 An application scenario diagram applicable to the embodiment of the present application;

[0050] Figure 2 A flow chart of a method for determining the exchange costs of multiple gears provided in an embodiment of the present application;

[0051] Figure 3 A schematic diagram of a resource exchange cost determination process provided in an embodiment of the present application;

[0052] Figure 4 A flow chart of a method for determining resource exchange cost provided in an embodiment of the present application;

[0053] Figure 5 A flow chart of a method for determining an initial exchange result provided in an embodiment of the present application;

[0054] Figure 6 A schematic diagram of a process for determining an exchange result provided in an embodiment of the present application;

[0055] Figure 7 A flow chart of a method for determining a target exchange cost provided in an embodiment of the present application;

[0056] Figure 8 A flow chart of another method for determining a target exchange cost provided in an embodiment of the present application;

[0057] Fig. 9 A flow chart of a method for determining a target exchange cost with bidirectionally adjustable gear positions provided in an embodiment of the present application;

[0058] Fig.10 A schematic diagram of a target exchange cost determination process provided in an embodiment of the present application;

[0059] Fig.11 A structural diagram of a device for determining resource exchange cost provided in an embodiment of the present application;

[0060] Fig.12 A structural diagram of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0061] In order to make the purpose, technical solution and advantages of the embodiments of the present application clearer, the technical solution of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the technical solution of the present application, rather than all of the embodiments. Based on the embodiments recorded in the application documents, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the technical solution of the present application.

[0062] Some of the terms used in the embodiments of the present application are explained below to facilitate understanding by those skilled in the art.

[0063] Electronic resources: refers to data that can be exchanged on the Internet, including but not limited to currency, stocks, funds, securities, capital, etc. The exchange form can be internal exchange or internal and external exchange.

[0064] Cross-border resource exchange: refers to buying one electronic resource in a pair of electronic resources and selling the other electronic resource at the same time. It is the exchange of electronic resources from one country with electronic resources from another country, which can also be called foreign exchange transactions. Unlike other financial markets, the foreign exchange market has no specific exchange location and no central exchange, but is traded through electronic networks between banks, enterprises and individuals.

[0065] Third-party resource exchange institution: refers to an independent institution with certain strength and credibility, which signs contracts with major banks and provides an online payment model for payment transaction platforms that are connected to the bank settlement system. In this model, after the buyer selects the product, he pays the electronic resources to the account provided by the payment transaction platform of the third-party resource exchange institution, and the third-party resource exchange institution notifies the seller that the electronic resources have been received and can be shipped as required; after the buyer inspects the received product and finds it correct, he sends confirmation information to the third-party resource exchange institution. Based on the confirmed information, the third-party resource exchange institution transfers the electronic resources paid by the buyer from the account of the payment transaction platform to the seller's account.

[0066] Access object: refers to the object that is authenticated and signed on the payment transaction platform of a third-party resource exchange organization, and is the provider of transaction products (such as goods, services, etc.) to ordinary objects.

[0067] Exchange cost: refers to the fee charged by a third-party resource exchange organization when providing cross-border electronic resource exchange services to access objects, that is, the pricing for the exchange of two electronic resources.

[0068] Exchange Result: refers to the results obtained by the third-party resource exchange organization based on the exchange data of the access object when the access object conducts cross-border exchange of electronic resources on its payment transaction platform in accordance with the exchange price given by the third-party resource exchange organization, including but not limited to revenue, order volume, etc.

[0069] Exchange rate: refers to the results obtained by a third-party resource trading institution each time the access object exchanges electronic resources, that is, the profit obtained from a single transaction.

[0070] Basic resource consumption: refers to the minimum exchange price, i.e. cost, for the exchange of two electronic resources provided by a third-party resource trading agency while ensuring its own interests.

[0071] Average resource consumption: refers to the average exchange price of two electronic resources provided by other institutions in the market, that is, bidding.

[0072] The following is an overview of the design concepts of the embodiments of the present application.

[0073] The exchange prices provided by third-party resource exchange institutions for different access objects are often different according to the industry category (such as online food business or online game purchase) in which the access object is engaged. That is, on top of the basic resource consumption of the third-party resource exchange institution's own payment transaction platform, differentiated pricing is given according to the industry category in which the access object is engaged. However, the pricing for any industry category will hardly be higher than the average level of other resource exchange institutions, otherwise it will reduce the interests of the institution itself.

[0074] However, since different access objects under the same industry category may have different transaction data on the payment transaction platform of the third-party resource exchange agency, if a unified pricing is applied to different access objects under the same category based only on the industry category, the determined exchange price may be inaccurate due to the relatively simple pricing method and lack of flexibility. In this way, different exchange results may be obtained for different access objects under the same category, thereby affecting the profits of the third-party resource exchange agency itself.

[0075] For example, access object A and access object B are both engaged in the online clothing business, and their industry categories are the same. Therefore, the exchange price provided by the third-party resource exchange agency to access object A and access object B is both pricing X. However, access object A has generated 100 orders on the payment transaction platform, while access object B has generated 50 orders on the payment transaction platform. The order volume of access object B is significantly less than that of access object A. At this time, if the revenue from collecting 100 orders from access object A at pricing X is greater than its own basic resource consumption, the exchange result is a profit, while the revenue from collecting 50 orders from access object B at pricing X is less than its own basic resource consumption, that is, the exchange result is a loss.

[0076] At present, the relevant technology takes into account the differences between different access objects. When determining the exchange price of an access object, it can be adjusted based on the exchange price of the industry category to which it belongs according to industry experience or expert experience, or adjusted based on the exchange price of the industry category to which it belongs through negotiation in combination with the independent demands of the access object. However, this adjustment method has the following problems:

[0077] First, it is easy to be influenced by external factors and passively adjust pricing;

[0078] Second, experience comes from subjective judgment and lacks quantitative measurement standards and adjustment capabilities;

[0079] Third, different access objects in the same industry refer to the same pricing standard, resulting in smaller differences in exchange costs for different access objects.

[0080] In view of this, the embodiment of the present application provides a method for determining resource exchange costs, which divides the exchange costs into multiple gears, thereby providing accurate exchange costs for access objects in a targeted manner. Among them, for each resource pair of two electronic resources including cross-border exchange, multiple gear exchange costs are pre-determined based on their own basic resource consumption and the average resource consumption in the market. In this way, when an object is newly accessed, an initial exchange cost is set for it from the exchange costs of multiple gears according to the target resource pair used by the access object, and then graded adjustments are made on the basis of the initial exchange cost, and the size of the exchange results brought by each exchange cost within the preset time period is respectively counted, so as to provide the access object with an accurate target exchange cost. Since the target exchange cost is finally determined based on the statistical real exchange results, it does not need to rely on uncertain factors such as experience or appeal, so that the accuracy of the exchange cost can be effectively improved; and when determining the target exchange cost of the access object, by dynamically adjusting on the basis of the initial exchange cost, compared with the single determination method based on the exchange cost standard in the industry, it is more targeted and flexible, thereby further improving the accuracy of the exchange cost determination.

[0081] It is understandable that in the specific implementation manner of the present application, the order details of the access object on the payment transaction platform of the third-party resource exchange organization involved, when applied to the methods or products of the following embodiments of the present application, have obtained the permission or consent of the access object, and the collection, use and processing of relevant data comply with the laws, regulations and standards of relevant countries and regions.

[0082] The preferred embodiments of the present application are described below in conjunction with the drawings in the specification. It should be understood that the preferred embodiments described herein are only used to illustrate and explain the present application, and are not used to limit the present application. In addition, the embodiments and features in the embodiments of the present application may be combined with each other if there is no conflict.

[0083] See also Figure 1 , is a schematic diagram of an application scenario of an embodiment of the present application, and the application scenario includes at least two terminal devices 110 and one server 120.

[0084] In an optional implementation, the terminal device 110 and the server 120 may communicate via a wired network or a wireless network.

[0085] In the embodiment of the present application, the terminal device 110 includes but is not limited to a personal computer, a mobile phone, a tablet computer, a notebook, an e-book reader, an intelligent medical device, and a vehicle-mounted terminal, etc., and these terminal devices are installed with a shopping program of a third-party resource exchange organization, which can purchase goods or services, etc. The server 120 is a background server of a third-party resource exchange organization, or a server specifically used for cross-border electronic resource exchange, which is not specifically limited in this application. The server 120 can be a single physical server, or a server cluster composed of multiple physical servers, or a cloud server that provides cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN (Content Delivery Network), and big data and artificial intelligence platforms.

[0086] The method for determining the resource exchange price provided in the embodiment of the present application can be executed by the server 120 of the third-party resource exchange organization. The access object accesses the payment transaction platform of the third-party resource exchange organization through the terminal device 110, and provides products such as goods or services that can generate electronic resource exchange on the payment transaction platform. When an object accesses the payment transaction platform of the third-party resource exchange organization, the server 120 selects an exchange price from the pre-generated multiple exchange prices based on the target resource pair of two electronic resources used by the access object for cross-border exchange as the initial exchange price of the access object. The purchase object exchanges electronic resources according to the initial exchange price of the access object on the payment transaction platform of the third-party resource exchange organization through the terminal device 110. The server 120 counts the initial exchange results generated when the access object exchanges the target resource pair according to the initial exchange price within the preset time period, obtains the intermediate exchange price adjacent to the initial exchange price in the exchange price of multiple price levels, counts the intermediate exchange results generated when the access object exchanges the target resource pair according to the intermediate exchange price within the preset time period, and provides the access object with accurate target exchange price in a targeted manner according to the size of the intermediate exchange result and the initial exchange result, thereby ensuring the maximization of its own benefits.

[0087] In the embodiment of the present application, different resource pairs contain two different electronic resources, and one of the electronic resources in different resource pairs may be the same, that is, the same electronic resource may be exchanged with different electronic resources.

[0088] In order to ensure the interests of the third-party resource exchange organization, the exchange price provided by the third-party resource exchange organization should be higher than the basic resource sales volume (i.e., cost, denoted as CostPrice) required for it to provide two electronic resource exchange services. Taking into account that the basic resource sales volume required for exchanging two electronic resources in different resource pairs may be different, the basic resource consumption of the third-party resource exchange organization itself is obtained separately according to the resource pairs. At the same time, in order to ensure the competitiveness of the third-party resource exchange organization in the market, when pricing each resource pair, the average resource consumption provided by other resource exchange organizations in the market is also combined (i.e., bidding, denoted as CompetitorPrice). Furthermore, for each resource pair, multiple levels of exchange costs are set according to the basic resource consumption and average resource consumption obtained, as shown in Table 1, and stored in the database of the third-party resource exchange organization.

[0089] Table 1. Multiple exchange costs for different resource pairs

[0090]

[0091] Among the multiple exchange costs set for each resource pair, the minimum exchange price (A1, B1, C1, ...) is greater than or equal to the basic resource consumption (CostPrice1, CostPrice2, CostPrice3, ...) required by the resource pair.

[0092] It should be noted that the number of exchange costs corresponding to different resource pairs can be the same or different, and this application does not impose any restriction requirements.

[0093] In one example, for each resource pair, when the third-party resource exchange agency's own basic resource consumption is not lower than the average resource consumption of other resource exchange agencies in the market, if the third-party resource exchange agency wants to maintain sufficient competitiveness, it can obtain more access objects based on certain pricing subsidies (such as reducing or exempting handling fees, giving points, giving gifts, etc.) without adjusting the exchange price. When the third-party resource exchange agency's own basic resource consumption is lower than the average resource consumption of other resource exchange agencies in the market, the server can set multiple exchange prices for the resource pair based on the difference in resource consumption between the two.

[0094] Taking a resource pair as an example, the process of determining the exchange cost of its corresponding multiple gears is as follows: Figure 2 As shown, it mainly includes the following steps:

[0095] S201: When the basic resource consumption required for exchanging two electronic resources in the resource pair is lower than the average resource consumption, the difference between the average resource consumption and the basic resource consumption is calculated.

[0096] The formula for the difference between the average resource consumption and the basic resource consumption is expressed as: ProfitMargin = CompetitorPrice - CostPrice.

[0097] S202: Determine the adjustment step length of each exchange cost based on the difference and the preset number of cost levels.

[0098] Assuming the number of price levels is K, the adjustment step of each exchange price is step = ProfitMargin / K.

[0099] In one example, when the basic resource consumption of the third-party resource exchange organization is much lower than the average resource consumption in the market, the exchange price can be divided into finer grades, so that the determined optimal exchange price is more accurate.

[0100] It should be noted that the embodiment of the present application does not impose any restrictive requirements on the size of the price level number K, which can be set according to the impact of the foreign exchange transaction of the access object on the exchange price, and can be any number between 5-9, or even smaller or larger.

[0101] S203: Based on the adjustment step size and the basic resource consumption, the exchange costs of multiple gears are obtained.

[0102] Specifically, on the basis of basic resource consumption, the product of adjustment step and corresponding gear can be added to obtain the exchange price of corresponding gear, which is expressed as LeveliPrice=CostPrice+i*ProfitMargin / K, where i is the current gear number.

[0103] Taking K=7 as an example, 7 exchange costs are set for the resource pair, where:

[0104] The first exchange price Level1Price = CostPrice + ProfitMargin / 7;

[0105] The second exchange price Level2Price = CostPrice + 2 * ProfitMargin / 7;

[0106] The third exchange price Level3Price = CostPrice + 3 * ProfitMargin / 7;

[0107] Level 4 Price = Cost Price + 4 * Profit Margin / 7;

[0108] Level5Price = CostPrice + 5 * ProfitMargin / 7;

[0109] Level 6 Price = Cost Price + 6 * Profit Margin / 7;

[0110] The seventh level exchange price Level7Price=CompetitorPrice.

[0111] Based on the multiple levels of exchange costs pre-set for each resource pair, dynamic adjustment of the exchange costs provided to the access object can be achieved, and by measuring the exchange results before and after the adjustment, a final target exchange price can be accurately determined for the access object, thereby maximizing its own interests while maintaining its own competitiveness.

[0112] In the embodiments of the present application, for each resource pair, the difference between its own basic resource consumption and the average resource consumption in the market is considered, and multiple levels of exchange costs are set based on the difference. In this way, when the levels of the exchange costs of the access objects are subsequently adjusted, while improving the interests of the third-party resource agency itself, its competitiveness in the market can also be guaranteed.

[0113] The process of determining the resource exchange cost provided in the embodiment of the present application is as follows: Figure 3 As shown, when an object accesses the payment transaction platform of a third-party resource exchange institution, the server obtains the basic resource sales volume required for exchanging the two electronic resources in the target resource pair used by the access object based on the target resource pair used by the access object, and selects an exchange price from the multiple exchange prices of the target resource pair stored in the database as the initial exchange price provided by the access object. During the process of the access object exchanging the two electronic resources in the target resource pair on the payment transaction platform, the server records the foreign exchange transaction order and stores it in the database, and counts the initial exchange results generated by the foreign exchange transaction order of the access object within the preset time according to the initial exchange price. Subsequently, the exchange price of the access object is changed, and the exchange results generated by the foreign exchange transaction order of the access object within the preset time according to the adjusted exchange price are counted, and the accurate adjustment direction of the exchange price is determined by comparing with the initial exchange result, so as to select the final target exchange price of the access object by comparing the exchange results corresponding to the multiple exchange prices.

[0114] See also Figure 4 The process of the resource exchange cost determination method provided in the embodiment of the present application mainly includes the following steps:

[0115] S401: The server obtains a preset initial exchange cost based on a target resource pair used by an access object.

[0116] When the access object enters the payment transaction platform of a third-party resource exchange organization, it will provide the target resource pair used for foreign exchange transactions. In this way, the server queries the database based on the target resource pair used by the access object, obtains from the database multiple levels of exchange costs that have been pre-corresponded to the target resource pair, and selects one from the multiple levels of exchange costs as the initial exchange price of the access object.

[0117] It should be noted that the embodiments of the present application do not impose any restrictive requirements on the selection of the initial exchange cost. For example, the minimum exchange cost among multiple exchange costs can be selected as the initial exchange cost of the access object; for another example, the maximum exchange cost among multiple exchange costs can be selected as the initial exchange cost of the access object; for another example, an exchange cost between the minimum exchange cost and the maximum exchange cost among multiple exchange costs can be selected as the initial exchange cost of the access object. Among them, when the minimum exchange cost and the maximum exchange cost are used as the initial exchange cost, when the exchange cost is adjusted later, the best exchange cost can be obtained through unidirectional adjustment; when the exchange cost is between the minimum exchange cost and the maximum exchange cost as the initial exchange cost, when the exchange cost is adjusted later, the best exchange cost can be obtained through bidirectional adjustment.

[0118] In the embodiment of the present application, in order to reduce the number of times the exchange cost is adjusted and to improve the efficiency of obtaining the best exchange cost, an exchange cost between the minimum exchange cost and the maximum exchange cost is selected as the initial exchange cost.

[0119] In one example, the initial exchange price may be selected according to the parity of the number of price levels corresponding to the target resource pair.

[0120] In specific implementation, when the number of cost levels corresponding to the target resource pair is an odd number, the median of the exchange costs of multiple levels is used as the initial exchange cost of the access object; when the number of cost levels corresponding to the target resource pair is an even number, the exchange cost adjacent to the median among the exchange costs of multiple levels is used as the initial exchange cost of the access object.

[0121] For example, when the number of price levels of the target resource pair is 7, Level4Price is the median of the 7 exchange prices, and Level4Price is used as the initial exchange price of the access object; when the number of price levels of the target resource pair is 8, the median is the average of Level4Price and Level5Price, that is, the median is between Level4Price and Level5Price. At this time, Level5Price can be used as the initial exchange price of the access object.

[0122] S402: The server collects statistics on initial exchange results generated by exchanging two electronic resources in the target resource pair according to the initial exchange price within a preset time period.

[0123] After determining the initial exchange price of the access object, the access object exchanges the two electronic resources in the target resource pair on the payment transaction platform of the third-party resource exchange institution according to the initial exchange price, and generates a foreign exchange transaction order. The server records the detailed information of the foreign exchange transaction order generated by the access object on the payment transaction platform in chronological order, including but not limited to the target resource pair, transaction time, transaction resource size, the gear label of the initial exchange price and other information.

[0124] The server pulls the foreign exchange transaction orders generated by the access object according to the initial exchange price within a preset period of time from the log of the payment transaction platform, and calculates the initial exchange result generated by the initial exchange price.

[0125] In one example, the exchange result can be represented by the revenue obtained by the third-party resource exchange organization. In this case, the process of determining the initial exchange result is as follows. Figure 5 , mainly includes the following steps:

[0126] S4021: Based on the initial exchange cost and the basic resource consumption, obtain the exchange rate generated each time two electronic resources in the target resource pair are exchanged.

[0127] Taking the initial exchange cost corresponding to the access object as Level4Price as an example, the exchange rate generated each time two electronic resources in the target resource pair are exchanged is (Level4Price-CostPrice).

[0128] S4022: Obtaining the exchange data volume of two electronic resources in the target resource pair exchanged according to the initial exchange price within a preset time period.

[0129] S4023: Determine the initial exchange result based on the exchange rate and the exchange data volume.

[0130] Assume that the amount of exchanged data for the two electronic resources in the target resource pair according to the initial exchange price is Level4OrderAmout. At this time, the formula for the initial exchange result generated by the initial exchange price within the preset time period Time is expressed as: Level4ProfitTime=∑Level4OrderAmout*(Level4Price-CostPrice), that is, the initial exchange result is the profit of all foreign exchange transaction orders within the preset time period, that is, the order transaction volume of the initial exchange price multiplied by the sum of each profit.

[0131] In one example, in certain stages or scenarios (such as the early stages of establishment), a third-party resource exchange organization can directly use the exchange data volume (i.e., order transaction volume) of two electronic resources as the exchange result without considering its own profits.

[0132] It should be noted that the embodiment of the present application does not impose any restrictive requirements on the preset duration, which can be one week, one month, one day, etc. Due to the different nature of transactions in different industries, it can be set according to actual conditions to ensure the independence and integrity of the measured duration as much as possible.

[0133] For example, when the target resource pair used by access object A is applicable to the fruit and vegetable industry, since fruits and vegetables have high requirements for freshness, the preset duration of access object A can be set to one day; when the target resource pair used by access object B is applicable to the clothing industry, since clothing is greatly affected by seasonality, the preset duration of access object B can be set to three months.

[0134] S403: The server obtains an intermediate exchange cost based on the initial exchange cost, and obtains an intermediate exchange result generated by exchanging the target resource pair within a preset time period based on the intermediate exchange cost.

[0135] After counting the initial exchange results generated by the initial exchange cost within the preset time, in order to verify whether the initial exchange cost is the optimal exchange cost, you can select an intermediate exchange cost through the exchange cost gear setting option, and verify it based on the intermediate exchange results generated by the intermediate exchange cost within the preset time, so as to determine the final exchange cost provided for the access object.

[0136] In one example, the method for obtaining the intermediate exchange price includes: obtaining the intermediate exchange price according to the preset adjustment direction and adjustment step on the basis of the initial exchange price. Wherein, when the initial exchange price is the minimum exchange price, the preset adjustment direction is to increase the exchange price, that is, the intermediate exchange price obtained is greater than the initial exchange price; when the initial exchange price is the maximum exchange price, the preset adjustment direction is to decrease the exchange price, that is, the intermediate exchange price obtained is less than the initial exchange price; when the initial exchange price is between the minimum exchange price and the maximum exchange price, the preset adjustment direction can be to decrease the exchange price or to increase the exchange price, that is, the intermediate exchange price obtained can be less than the initial exchange price or greater than the initial exchange price. Optionally, the preset adjustment step is the exchange price gear, which can be one gear or multiple gears.

[0137] Taking the initial exchange price of Level4Price and the adjustment step of 1 gear as an example, when the adjustment direction is to reduce the exchange price, the intermediate exchange price obtained is Level3Price; when the adjustment direction is to increase the exchange price, the intermediate exchange price obtained is Level5Price.

[0138] In another example, in order to quickly determine the best exchange price for the access object, the intermediate exchange price can also be obtained based on the difference between the initial exchange price and the basic resource consumption, and the difference between the average resource consumption and the basic resource consumption. This is because the difference between the initial exchange price and the basic resource consumption can reflect the profit margin obtained by the third-party resource exchange structure for each foreign exchange transaction of the access object, and the difference between the average resource consumption and the basic resource consumption can reflect the competitiveness of the third-party resource exchange structure in the market. Therefore, the intermediate exchange price can be directly selected according to the size of these two differences.

[0139] For example, assuming that the initial exchange price Level4Price is 500 yuan, the basic resource consumption is 300 yuan, and the average resource consumption is 350 yuan, then the profit obtained by the third-party resource exchange agency in each foreign exchange transaction is 500-300=200 yuan, and the profit obtained by other resource exchange agencies in the market in each foreign exchange transaction is 350-300=50 yuan. It can be seen that the profit obtained by the third-party resource exchange agency in each foreign exchange transaction is 4 times that of other resource exchange agencies in the market, which may affect the number of resource exchanges generated by the access object on the character trading platform of the third-party resource exchange structure, and then affect the overall revenue of the third-party resource exchange structure. Therefore, the exchange price can be directly reduced by two levels, that is, Level2Price is used as the intermediate exchange price.

[0140] After obtaining the intermediate exchange cost, in order to ensure the accuracy of the verification result, the statistical duration of the access object on the payment transaction platform of the third-party resource exchange agency according to the intermediate exchange cost should be consistent with the statistical duration of the initial exchange cost, and the type of intermediate exchange result used should also be consistent with the initial exchange cost.

[0141] Take the intermediate exchange price obtained as Level3Price as an example, assuming that the statistical duration of the initial exchange price Level4Price is Time, and the initial exchange result is the profit of the third-party resource exchange structure. At this time, the intermediate exchange result is Level3ProfitTime=∑Level3OrderAmout*(Level3Price-CostPrice), such as Figure 6 shown.

[0142] S404: The server determines a target exchange cost for the access object based on a comparison result between the initial exchange result and the intermediate exchange result.

[0143] In one example, the accurate adjustment direction for obtaining the final exchange cost can be determined by the size of the initial exchange result and the intermediate exchange result.

[0144] For example, when the initial exchange cost is greater than the intermediate exchange cost, and the intermediate exchange result is greater than the initial exchange result, it indicates that the exchange cost that brings the maximum exchange result to the third-party resource exchange agency may be a lower-level exchange cost. At this time, the exchange cost can be further adjusted downward to obtain the target exchange cost of the access object; when the initial exchange cost is less than the intermediate exchange cost, and the intermediate exchange result is greater than the initial exchange result, it indicates that the exchange cost that brings the maximum exchange result to the third-party resource exchange agency may be a higher-level exchange cost. At this time, the exchange cost can be further adjusted upward to obtain the target exchange cost of the access object.

[0145] In one example, taking the initial exchange price as an exchange price between the exchange prices of multiple gears as an example, when the initial exchange price is greater than the intermediate exchange price, the determination process of the target exchange price is as follows: Figure 7 , mainly includes the following steps:

[0146] S404_11: Determine whether the intermediate exchange result is greater than the initial exchange result. If so, execute S404_12; if not, execute the exchange cost level increase process.

[0147] When the initial exchange cost is greater than the intermediate exchange cost, when the intermediate exchange result is greater than the initial exchange result, it indicates that after the exchange cost is lowered, the benefits obtained by the third-party resource exchange structure have increased, and the exchange cost can be further lowered to obtain greater benefits; when the intermediate exchange result is less than or equal to the initial exchange result, it indicates that after the exchange cost is lowered, the benefits obtained by the third-party resource exchange structure remain the same or decrease, and the exchange cost can be adjusted up to obtain greater benefits.

[0148] S404_12: Determine whether the intermediate exchange cost is the lower limit of the multiple exchange costs, if so, execute S404_13, if not, execute S404_14.

[0149] When the intermediate exchange price is the lower limit of multiple exchange prices, it indicates that the intermediate exchange price has reached the minimum exchange price and cannot be further reduced. Otherwise, the exchange price level can be further reduced to obtain greater benefits.

[0150] S404_13: The intermediate exchange cost is used as the target exchange cost of the access object.

[0151] When the intermediate exchange result is greater than the initial exchange result and the intermediate exchange price is the minimum exchange price, the gear cannot be lowered further. That is, the current intermediate exchange price is the exchange price among multiple gears that can bring the maximum exchange result to the third-party resource exchange organization. Therefore, the intermediate exchange price can be used as the target exchange price for the access object.

[0152] S404_14: reducing the intermediate exchange cost according to the adjustment step, and counting new intermediate exchange results generated by exchanging two electronic resources in the target resource pair based on the reduced intermediate exchange cost within a preset time period.

[0153] When the intermediate exchange cost is greater than the minimum exchange cost, the intermediate exchange cost can be reduced according to the adjustment step, that is, the exchange cost level can be continued to be lowered, and the new intermediate exchange results generated by exchanging the two electronic resources in the target resource pair based on the reduced intermediate exchange cost within the preset time period are counted.

[0154] S404_15: The intermediate exchange result corresponding to the intermediate exchange generation before reduction is used as the new initial exchange result, and the process returns to S404_11 to compare the new initial exchange result with the new intermediate exchange result.

[0155] By comparing the new intermediate exchange result generated by the reduced intermediate exchange cost with the new initial exchange result, it can be determined whether the reduced intermediate exchange cost is an exchange cost that brings the maximum exchange result to the third-party resource exchange agency. Specifically, when the new intermediate exchange result is greater than the new initial exchange result, it indicates that the interests of the third-party resource exchange agency have increased, and the exchange cost can be further adjusted down to obtain the maximum exchange result; when the new intermediate exchange result is less than or equal to the new initial exchange result, it indicates that continuing to adjust the exchange cost will reduce the interests of the third-party resource exchange agency. At this time, the reduced intermediate exchange cost can already bring the maximum exchange result to the third-party resource exchange agency, and there is no need to continue to adjust it down. Therefore, the final reduced intermediate exchange cost can be used as the target exchange cost of the access object.

[0156] In one example, taking the initial exchange price as an exchange price between the exchange prices of multiple gears as an example, when the initial exchange price is less than the intermediate exchange price, the process of determining the target exchange price is as follows: Figure 8 , mainly includes the following steps:

[0157] S404_21: Determine whether the intermediate exchange result is greater than the initial exchange result. If so, execute S404_22; if not, execute the exchange cost gear down adjustment process.

[0158] When the initial exchange cost is less than the intermediate exchange cost, when the intermediate exchange result is greater than the initial exchange result, it indicates that after the exchange cost level is increased, the benefits obtained by the third-party resource exchange structure have increased, and the exchange cost level can be further adjusted to obtain greater benefits; when the intermediate exchange result is less than or equal to the initial exchange result, it indicates that after the exchange cost level is increased, the benefits obtained by the third-party resource exchange structure have remained the same or decreased, and the exchange cost level can be adjusted downward to obtain greater benefits.

[0159] S404_22: Determine whether the intermediate exchange price is the upper limit of the multiple exchange prices. If so, execute S404_23; if not, execute S404_24.

[0160] When the intermediate exchange price is the upper limit of multiple exchange prices, it indicates that the intermediate exchange price has reached the maximum exchange price and cannot be further increased. Otherwise, the exchange price level can be further increased to obtain greater benefits.

[0161] S404_23: Use the intermediate exchange cost as the target exchange cost of the access object.

[0162] When the intermediate exchange result is greater than the initial exchange result and the intermediate exchange price is the maximum exchange price, the gear cannot be adjusted upward. That is, the current intermediate exchange price is an exchange price among multiple gears that can bring the maximum exchange result to the third-party resource exchange organization. Therefore, the intermediate exchange price can be used as the target exchange price for the access object.

[0163] S404_24: Increase the intermediate exchange cost according to the adjustment step size, and count new intermediate exchange results generated by exchanging two electronic resources in the target resource pair based on the increased intermediate exchange cost within a preset time period.

[0164] When the intermediate exchange cost is less than the maximum exchange cost, the intermediate exchange cost can be increased according to the adjustment step, that is, the exchange cost level can be continued to be increased, and the new intermediate exchange results generated by exchanging the two electronic resources in the target resource pair based on the increased intermediate exchange cost within the preset time period can be counted.

[0165] S404_25: Take the intermediate exchange result corresponding to the intermediate exchange generation before the increase as the new initial exchange result, and return to S404_21 to compare the new initial exchange result with the new intermediate exchange result.

[0166] By comparing the new intermediate exchange result generated by the increased intermediate exchange cost with the new initial exchange result, it can be determined whether the increased intermediate exchange cost is an exchange cost that brings the maximum exchange result to the third-party resource exchange agency. Specifically, when the new intermediate exchange result is greater than the new initial exchange result, it indicates that the interests of the third-party resource exchange agency have increased, and the exchange cost can be further increased to obtain the maximum exchange result; when the new intermediate exchange result is less than or equal to the new initial exchange result, it indicates that continuing to increase the exchange cost will reduce the interests of the third-party resource exchange agency. At this time, the increased intermediate exchange cost can already bring the maximum exchange result to the third-party resource exchange agency, and there is no need to continue to increase it. Therefore, the final increased intermediate exchange cost can be used as the target exchange cost of the access object.

[0167] The embodiments of the present application do not use a fixed foreign exchange pricing method within an industry category, but determine a target exchange price for any access object based on a price tiering approach. When tiered pricing is performed for different access objects, the server sets an initial exchange price based on the target resources used by the access object, and adjusts the exchange price tier up or down based on the tier of the initial exchange price. The exchange prices of the two tiers before and after the adjustment are compared with the exchange results generated by the third-party resource exchange agency. After multiple rounds of experiments, accurate target exchange prices can be provided to the access objects in a targeted manner, thereby maximizing the benefits of the third-party resource exchange agency.

[0168] In some embodiments, considering that the foreign exchange transaction situation of the access object is not static, the target exchange price of the access object can be updated regularly. Specifically, when the time for the access object to conduct foreign exchange transactions on the payment transaction platform of the third-party resource exchange institution at the target exchange price is longer than the preset time threshold, the current target exchange price of the access object can be used as the initial exchange price, and a new exchange price of the best gear can be determined as the new target exchange price.

[0169] In one example, for a target resource pair, the middle exchange price among the pre-set multiple exchange prices can be used as the initial exchange price of the access object, so as to start from the middle price and measure the exchange results generated by the access object on the payment transaction platform of the third-party resource exchange institution through multiple rounds of experiments, so as to determine whether to increase or decrease the price level, so as to accurately determine the target exchange price of the access pair. The complete resource exchange price determination process is as follows: Fig. 9 As shown, it mainly includes the following steps:

[0170] S901: The server uses an exchange cost of a middle level among a plurality of pre-set exchange costs as an initial exchange cost of the access object based on a target resource pair used by the access object.

[0171] like Fig.10 As shown, when a new object is connected to the payment transaction platform of a third-party resource exchange organization, regardless of the industry category to which the connected object belongs, the server adopts a tiered pricing method and gives the access object an initial exchange price Level4Price of an intermediate tier when exchanging the first currency and the second currency in the target resource pair. It is assumed that Level4Price is 7.6 yuan.

[0172] S902: The server collects statistics on initial exchange results generated by exchanging two electronic resources in the target resource pair according to the initial exchange price within a preset time period.

[0173] like Fig.10 As shown, the access object exchanges the first currency for the second currency on the payment transaction platform according to Level4Price, generating a foreign exchange transaction order. Based on the foreign exchange transaction order, the server can determine that the transaction volume Level4OrderAmout corresponding to Level4Price in a week is 1000 orders, and the initial exchange result Level4ProfitWeek generated by Level4Price is calculated as 1000*(7.6-7)=600 yuan.

[0174] S903: The server lowers the level of the exchange price to obtain an intermediate exchange price.

[0175] like Fig.10 As shown, based on Level4Price, the exchange price is lowered by one level to obtain the middle exchange price Level3Price, assuming that Level3Price is 7.5 yuan.

[0176] S904: The server obtains an intermediate exchange result generated by exchanging the target resource pair within a preset time period based on the intermediate exchange cost.

[0177] Similarly, the access object exchanges the first currency for the second currency on the payment transaction platform according to Level3Price, generating a foreign exchange transaction order. Based on the foreign exchange transaction order, the server can determine that the transaction volume Level3OrderAmout corresponding to Level3Price in a week is 1600 orders, and the initial exchange result Level3ProfitWeek generated by Level3Price is calculated as 1600*(7.5-7)=800 yuan.

[0178] S905: The server determines whether the intermediate exchange result is greater than the initial exchange result. If so, execute S906; otherwise, execute S908.

[0179] In one example, if the intermediate exchange result is greater than the initial exchange result, it indicates that after the exchange cost level is lowered, the third-party resource exchange agency obtains increased revenue, and the exchange cost level of the access object can be further lowered to obtain the maximum exchange result.

[0180] S906: The server determines whether the intermediate exchange cost is the minimum exchange cost, and if so, executes S907, otherwise, returns to S903.

[0181] When the intermediate exchange cost is the minimum exchange cost, the gear cannot be further downgraded; otherwise, the gear can be further downgraded, and the process returns to S903.

[0182] After returning to S903, the server further lowers the gear of the intermediate exchange cost by one gear, and recalculates the new intermediate exchange result corresponding to the intermediate exchange cost of the gear within the preset time, and then re-compares the exchange cost of the previous gear as the new initial exchange cost.

[0183] For example, suppose Level3ProfitTime>Level4ProfitTime, and Level3Price is not the minimum exchange price, such as Fig.10As shown, after returning to S903, the gear of the intermediate exchange cost is lowered to Level2Price = 7.4 yuan. Then, based on the foreign exchange transaction orders generated by the access object at Level2Price on this payment trading platform, the server can determine that the trading volume Level2OrdeerAmout corresponding to Level2Price within a week is 1,650 orders. Thus, the intermediate exchange result generated by Level2Price is calculated as Level2ProfitWeek = 1,650 * (7.4 - 7) = 660 yuan. Since the exchange cost of the previous gear is Level3Price, Level2ProfitWeek and Level3ProfitWeek are compared again.

[0184] S907: The server takes the intermediate exchange cost as the target exchange cost of the access object.

[0185] S908: The server raises the gear of the intermediate exchange cost by one gear.

[0186] As Fig.10 shown, when Level2ProfitWeek < Level3ProfitWeek, it indicates that the exchange cost Level2Price of the current gear cannot increase the revenue of the third - party resource exchange institution. Therefore, the gear of the exchange cost is rolled back to the previous gear Level3Price.

[0187] S909: The server determines whether the current intermediate exchange cost is the initial exchange cost. If not, it executes S910; if so, it executes S911.

[0188] S910: The server takes the current intermediate exchange cost as the target exchange cost of the access object.

[0189] As Fig.10 shown, when rolled back to Level3Price, since Level3ProfitTime > Level2ProfitTime and Level3ProfitTime > Level4ProfitTime, it indicates that Level3Price can generate the maximum exchange result Level3ProfitTime for the third - party resource exchange institution. Therefore, 7.5 yuan is taken as the target exchange cost of the access object.

[0190] S911: The server raises the gear of the current intermediate exchange cost by one gear to obtain a new intermediate exchange cost.

[0191] As Fig.10As shown in the figure, assume that within one week, the Level3OrderAmout generated by the access object for exchanging the first currency for the second currency on this payment trading platform according to Level3Price is 1,100 orders. At this time, the statistically intermediate exchange result Level3ProfitWeek = 1,100 * (7.5 - 7) = 550 yuan. In this way, Level3ProfitWeek < Level4ProfitWeek, indicating that lowering the gear of the exchange cost cannot bring the maximum benefit to the third-party resource exchange institution. Therefore, it is necessary to perform the operation of raising the gear of the exchange cost, that is, raising the gear of the intermediate exchange cost by one gear. At this time, the intermediate exchange cost reverts to the initial exchange cost Level4Price, and on this basis, it can be raised by one gear to obtain Level5Price. Assume that Level5Price = 7.7 yuan.

[0192] S912: The server obtains the intermediate exchange result generated by exchanging the target resource pair within a preset duration based on the intermediate exchange cost.

[0193] As Fig.10 shown, the access object exchanges the first currency for the second currency on this payment trading platform according to Level5Price, generating a foreign exchange trading order.

[0194] S913: The server determines whether the intermediate exchange result is greater than the initial exchange result. If so, it executes S914; if not, it determines the exchange cost of the previous gear as the target exchange cost of the access object.

[0195] In one example, if the intermediate exchange result is greater than the initial exchange result, it indicates that after the gear of the exchange cost is raised, the income of the third-party resource exchange institution increases, and the gear of the exchange cost of the access object can be continuously raised to obtain the maximum exchange result. On the contrary, when the intermediate exchange result is less than or equal to the initial exchange result, it indicates that after the gear of the exchange cost is continuously raised, the income of the third-party resource exchange institution may decrease. Therefore, the exchange cost of the previous gear before adjustment can be used as the target exchange cost of the access object.

[0196] As Fig.10As shown, assume that the foreign exchange trading orders generated by the server according to Level5Price can determine that the trading volume Level5OrderAmout corresponding to Level5Price within a week is 800 orders. Then, the intermediate exchange result generated by the intermediate exchange cost Level5Price is calculated as Level5ProfitWeek = 800 * (7.7 - 7) = 560 yuan. That is to say, after the level of the exchange cost is increased, at this time, Level5ProfitWeek < Level4ProfitWeek, and Level3ProfitWeek < Level4ProfitWeek, indicating that the exchange cost of the previous level, Level4Price, can bring the maximum exchange result to the third-party resource exchange institution. At this time, 7.6 yuan can be used as the target exchange cost for the access object.

[0197] As Fig.10 shown, assume that the foreign exchange trading orders generated by the server according to Level5Price can determine that the trading volume Level5OrderAmout corresponding to Level5Price within a week is 900 orders. Then, the intermediate exchange result generated by the intermediate exchange cost Level5Price is calculated as Level5ProfitWeek = 900 * (7.7 - 7) = 630 yuan. That is to say, after the level of the exchange cost is increased, the revenue of the third-party resource exchange institution has increased. At this time, the level of the exchange cost can be continued to be increased.

[0198] S914: The server determines whether the intermediate exchange cost is the maximum exchange cost. If so, execute S915; otherwise, return to S911.

[0199] As Fig.10 shown, when Level5ProfitWeek > Level4ProfitWeek and Level5Price is not the maximum exchange cost, it indicates that the level of the exchange cost can be continued to be increased. Therefore, return to S911.

[0200] After returning to S911, the server increases the level of the current intermediate exchange cost by one level, re-statistics the new intermediate exchange result corresponding to the intermediate exchange cost of this level within the preset duration, and then uses the exchange cost of the previous level as the new initial exchange cost for re-comparison.

[0201] As Fig.10As shown, assuming that the intermediate exchange price after Level5Price is further raised by one level, Level6Price=7.8 yuan. The access object exchanges the first currency for the second currency on the payment transaction platform according to Level6Price, and generates a foreign exchange transaction order. According to the foreign exchange transaction order, the server can determine that the transaction volume Level6OrderAmout corresponding to Level6Price in a week is 750 orders, and the intermediate exchange result generated by the intermediate exchange price Level6Price is Level6ProfitWeek=750*(7.8-7)=600 yuan. The exchange price of the previous level is Level5Price. Therefore, by comparing Level5ProfitTime with Level6ProfitTime, it can be seen that Level5ProfitWeek>Level6ProfitWeek, indicating that the exchange price of the current level Level6Price cannot increase the income of the third-party resource exchange organization, and Level5ProfitWeek>Level4ProfitWeek. Therefore, Level5Price is used as the target exchange price of the access object.

[0202] S915: The server uses the current intermediate exchange cost as the target exchange cost of the access object.

[0203] In the resource exchange cost determination method provided in the embodiment of the present application, for each resource pair, the exchange cost is graded according to the basic resource consumption of the third-party resource exchange organization itself and the average resource consumption in the market, and the exchange results generated by the exchange cost of each gear are counted. After multiple rounds of exchange cost gear adjustment, the best target exchange cost that maintains the competitiveness of the organization itself and maximizes benefits is obtained. Since the gear of the exchange cost is quantitatively adjusted based on statistical real data, the accuracy of determining the resource exchange cost is improved compared to the method based on experience and negotiation. At the same time, the exchange costs of different access objects in the same industry are no longer stereotyped. Each access object, as an independent individual, is adjusted from the initial exchange cost. While improving the accuracy of the resource exchange cost, differentiated pricing is achieved, and the pricing method is more flexible and diverse.

[0204] Based on the same technical concept, an embodiment of the present application provides a structural diagram of a device for determining a resource exchange cost, which can implement the above-mentioned method for determining a resource exchange cost and achieve the same technical effect.

[0205] See also Fig.11 The device includes an initialization module 1101, a result determination module 1102, a cost adjustment module 1103 and a cost determination module 1104, wherein:

[0206] Initialization module 1101, used to obtain a preset initial exchange price based on a target resource pair used by an access object; wherein the target resource pair includes two electronic resources to be exchanged across borders, and the initial exchange price is determined based on the basic resource consumption required by the two electronic resources during the exchange process and the average resource consumption;

[0207] The result determination module 1102 is used to count the initial exchange results generated by exchanging two electronic resources in the target resource pair according to the initial exchange price within a preset time period;

[0208] The cost adjustment module 1103 is used to obtain an intermediate exchange cost based on the initial exchange cost;

[0209] The result determination module 1102 is further used to obtain an intermediate exchange result generated by exchanging the target resource pair within a preset time period based on the intermediate exchange cost;

[0210] The cost determination module 1104 is used to determine the target exchange cost of the access object based on the comparison result of the initial exchange result and the intermediate exchange result.

[0211] Optionally, when the initial exchange cost is between multiple exchange costs determined based on the basic resource consumption and the average resource consumption, and the initial exchange cost is greater than the intermediate exchange cost, the cost determination module 1104 is specifically configured to:

[0212] When the intermediate exchange result is greater than the initial exchange result and the intermediate exchange cost is not the lower limit of the multiple exchange costs, the maximum exchange result is obtained through at least one round of the following reduction operations, and the exchange cost corresponding to the maximum exchange result is used as the target exchange cost of the access object; wherein each round of the following reduction operations:

[0213] The cost adjustment module 1103 is specifically used to: reduce the intermediate exchange cost according to the adjustment step size;

[0214] The result determination module 1102 is specifically used to: count new intermediate exchange results generated by exchanging two electronic resources in the target resource pair based on the reduced intermediate exchange cost within a preset time period;

[0215] The intermediate exchange result corresponding to the intermediate exchange generation before reduction is used as the new initial exchange result and compared with the new intermediate exchange result.

[0216] Optionally, when the intermediate exchange result is greater than the initial exchange result, and the intermediate exchange cost is a lower limit of multiple exchange costs, the cost determination module 1104 is specifically configured to:

[0217] The intermediate exchange cost is used as the target exchange cost of the access object.

[0218] Optionally, when the intermediate exchange result is less than or equal to the initial exchange result, the cost adjustment module 1103 is further used to: increase the intermediate exchange cost according to the adjustment step size, and determine whether the increased intermediate exchange cost is the initial exchange cost;

[0219] The cost determination module 1104 is specifically used to: if the increased intermediate exchange cost is not the initial exchange cost, use the increased intermediate exchange cost as the target exchange cost of the access object; and use the exchange cost corresponding to the maximum exchange result as the target exchange cost of the access object;

[0220] The cost adjustment module 1103 is specifically used for: if the increased intermediate exchange cost is the initial exchange cost, then performing at least one round of increase operation on the intermediate exchange cost according to the adjustment step length to obtain the maximum exchange result.

[0221] Optionally, for each increase operation, the cost adjustment module 1103 is specifically configured to: increase the intermediate exchange cost according to the adjustment step length, and use the intermediate exchange result corresponding to the intermediate exchange generation before the increase as the new initial exchange result;

[0222] The result determination module 1102 is specifically used to: count new intermediate exchange results generated by exchanging the target resource pair based on the increased intermediate exchange cost within a preset time period;

[0223] The cost determination module 1104 is specifically used to: re-compare the new intermediate exchange result with the new initial exchange result; if the intermediate exchange result is greater than the initial exchange result, determine whether the intermediate exchange cost corresponding to the intermediate exchange result is the upper limit of multiple exchange costs; if the intermediate exchange cost is the upper limit of multiple exchange costs, use the intermediate exchange cost as the target exchange cost of the access object; otherwise, use the last adjusted intermediate exchange cost as the target exchange cost of the access object.

[0224] Optionally, the initialization module 1101 is specifically used for:

[0225] If the basic resource consumption is lower than the average resource consumption, the difference between the average resource consumption and the basic resource consumption is calculated;

[0226] Based on the difference and the preset number of price levels, determine the adjustment step size of each exchange price;

[0227] Based on the adjustment step size and basic resource consumption, the exchange cost of multiple gears is obtained;

[0228] When the number of price levels is an odd number, the median of the exchange prices of multiple levels is used as the initial exchange price;

[0229] When the number of price levels is an even number, the exchange price adjacent to the median among the exchange prices of multiple levels is used as the initial exchange price.

[0230] Optionally, the result determination module 1102 is specifically configured to:

[0231] Based on the exchange cost and the basic resource consumption, the exchange rate generated each time two electronic resources in the target resource pair are exchanged is obtained;

[0232] Obtaining the exchange data volume of two electronic resources in the target resource pair exchanged according to the exchange price within a preset time period;

[0233] The exchange result is determined based on the exchange rate and the amount of exchanged data.

[0234] Optionally, the cost adjustment module 1103 is specifically used for:

[0235] Based on the initial exchange cost, an intermediate exchange cost is obtained according to a preset adjustment direction and adjustment step size; or

[0236] Based on the difference between the initial exchange price and the basic resource consumption, and the difference between the average resource consumption and the basic resource consumption, the intermediate exchange price is obtained.

[0237] The resource exchange cost determination device provided in the embodiment of the present application predetermines an initial exchange cost for the target resource pair including two electronic resources for cross-border exchange based on its own basic resource consumption and the average resource consumption in the market, and counts the initial exchange results brought by the initial exchange cost within a preset time period; further, based on the initial exchange cost, the intermediate exchange cost is obtained, and based on the size of the intermediate exchange result brought by the intermediate exchange cost within the preset time period and the initial exchange result, the final adjustment direction of the exchange cost is determined, thereby providing an accurate target exchange cost for the access object. Since the target exchange cost is finally determined based on the actual exchange result of statistics, it does not need to rely on uncertain factors such as experience or appeal, thereby effectively improving the accuracy of the exchange cost; and when determining the target exchange cost of the access object, by dynamically adjusting based on the initial exchange cost, it is more targeted and flexible than the single determination method based on the exchange cost standard in the industry, thereby further improving the accuracy of the exchange cost determination.

[0238] Based on the same inventive concept as the above method embodiment, an electronic device is also provided in the embodiment of the present application. In one embodiment, the electronic device can be a single server or a server cluster. In this embodiment, the structure of the electronic device can be as follows: Fig.12 As shown, it includes a memory 1201 , a communication module 1203 and one or more processors 1202 .

[0239] The memory 1201 is used to store computer programs executed by the processor 1202. The memory 1201 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system and an operating instruction set.

[0240] The memory 1201 may be a volatile memory, such as a random-access memory (RAM); the memory 1201 may also be a non-volatile memory, such as a read-only memory, a flash memory, a hard disk drive (HDD) or a solid-state drive (SSD); or the memory 1201 may be any other medium that can be used to carry or store a desired computer program in the form of instructions or data structures and can be accessed by a computer, but is not limited thereto. The memory 1201 may be a combination of the above memories.

[0241] The processor 1202 may include one or more central processing units (CPU) or a digital processing unit, etc. The processor 1202 is configured to implement the resource exchange cost determination method when calling the computer program stored in the memory 1201 .

[0242] The communication module 1203 is used to communicate with terminal devices and other servers.

[0243] The specific connection medium between the memory 1201, the communication module 1203 and the processor 1202 is not limited in the embodiment of the present application. Fig.12 In the embodiment, the memory 1201 and the processor 1202 are connected via a bus 1204. The bus 1204 is connected to the processor 1202 via a bus 1204. Fig.12 The connections between the other components are only for illustration and are not intended to be limiting. The bus 1204 can be divided into an address bus, a data bus, a control bus, etc. For ease of description, Fig.12 The diagram shows that only one thick line is used, but this does not mean that there is only one bus or only one type of bus.

[0244] The memory 1201 stores a computer storage medium, which stores computer executable instructions for implementing the resource exchange cost determination method of the embodiment of the present application. The processor 1202 is used to execute the steps of the resource exchange cost determination method.

[0245] In some possible implementations, various aspects of the resource exchange cost determination method provided in the present application may also be implemented in the form of a program product, which includes a computer program. When the program product is run on an electronic device, the computer program is used to enable the electronic device to execute the steps of the resource exchange cost determination method according to various exemplary implementations of the present application described above in this specification.

[0246] The program product may use any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. The 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 readable storage media include: an electrical connection with one or more wires, a portable disk, a hard disk, a random access memory, a read-only memory, an erasable programmable read-only memory, an optical fiber, a portable compact disk read-only memory, an optical storage device, a magnetic storage device, or any suitable combination of the above.

[0247] The program product of the embodiment of the present application may adopt a portable compact disk read-only memory and include a computer program, and can be run on an electronic device. However, the program product of the present application is not limited thereto, and in this document, a readable storage medium may be any tangible medium containing or storing a program, which can be used by or in combination with a command execution system, apparatus, or device.

[0248] A readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, wherein a readable computer program is carried. Such propagated data signals may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the foregoing. A readable signal medium may also be any readable medium other than a readable storage medium, which may send, propagate, or transmit a program for use by or in conjunction with a command execution system, apparatus, or device.

[0249] The computer program embodied on the readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.

[0250] The computer program for performing the operations of the present application may be written in any combination of one or more programming languages, including object-oriented programming languages ​​such as Java, C++, etc., and conventional procedural programming languages ​​such as "C" or similar programming languages. The computer program may be executed entirely on the user computing device, partially on the user computing device, as a separate software package, partially on the user computing device and partially on a remote computing device, or entirely on a remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device via any type of network, including a local area network or a wide area network, or may be connected to an external computing device.

[0251] Those skilled in the art will appreciate that the embodiments of the present application may be provided as methods, systems, or computer program products. Therefore, the present application may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment in combination with software and hardware. Moreover, the present application may adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) that contain a computer-usable computer program.

[0252] Although the preferred embodiments of the present application have been described, those skilled in the art may make additional changes and modifications to these embodiments once they have learned the basic creative concept. Therefore, the appended claims are intended to be interpreted as including the preferred embodiments and all changes and modifications falling within the scope of the present application.

Claims

1. A method for determining resource exchange cost, characterized in that: include: Based on the target resource pair used by the access object, a preset initial exchange price is obtained; wherein the target resource pair includes two electronic resources to be exchanged across borders, and the initial exchange price is determined based on the basic resource consumption required by the two electronic resources during the exchange process, combined with the average resource consumption; Counting initial exchange results generated by exchanging two electronic resources in the target resource pair according to the initial exchange price within a preset time period; Based on the initial exchange cost, an intermediate exchange cost is obtained, and based on the intermediate exchange cost, an intermediate exchange result generated by exchanging the target resource pair within the preset time period is obtained; Based on a comparison result of the initial exchange result and the intermediate exchange result, a target exchange cost of the access object is determined.

2. The method according to claim 1, characterized in that When the initial exchange cost is between a plurality of exchange costs determined based on the basic resource consumption and the average consumption, and the initial exchange cost is greater than the intermediate exchange cost, determining the target exchange cost of the access object based on a comparison result of the initial exchange result and the intermediate exchange result includes: When the intermediate exchange result is greater than the initial exchange result and the intermediate exchange cost is not the lower limit of the multiple exchange costs, a maximum exchange result is obtained through at least one round of the following reduction operations, and the exchange cost corresponding to the maximum exchange result is used as the target exchange cost of the access object; wherein each round of the following reduction operations: The intermediate exchange cost is reduced according to the adjustment step length, and new intermediate exchange results generated by exchanging two electronic resources in the target resource pair based on the reduced intermediate exchange cost within the preset time period are counted; The intermediate exchange result corresponding to the intermediate exchange generation before reduction is used as the new initial exchange result and compared with the new intermediate exchange result.

3. The method according to claim 2, characterized in that When the intermediate exchange result is greater than the initial exchange result and the intermediate exchange cost is a lower limit of the multiple exchange costs, the intermediate exchange cost is used as the target exchange cost of the access object.

4. The method according to claim 2, characterized in that When the intermediate exchange result is less than or equal to the initial exchange result, the method further includes: Increasing the intermediate exchange cost according to the adjustment step size, and determining whether the increased intermediate exchange cost is the initial exchange cost; If the increased intermediate exchange price is not the initial exchange price, the increased intermediate exchange price is used as the target exchange price of the access object; If the increased intermediate exchange cost is the initial exchange cost, the intermediate exchange cost is increased for at least one round according to the adjustment step to obtain a maximum exchange result, and the exchange cost corresponding to the maximum exchange result is used as the target exchange cost of the access object.

5. The method according to claim 4, characterized in that The intermediate exchange cost is increased for at least one round according to the adjustment step to obtain a maximum exchange result, and the exchange cost corresponding to the maximum exchange result is used as the target exchange cost of the access object, wherein each increase operation is as follows: Increasing the intermediate exchange cost according to the adjustment step size, and taking the intermediate exchange result corresponding to the intermediate exchange generation before the increase as the new initial exchange result; Counting new intermediate exchange results generated by exchanging the target resource pair based on the increased intermediate exchange cost within the preset time period, and re-comparing the new intermediate exchange results with the new initial exchange results; If the intermediate exchange result is greater than the initial exchange result, determining whether the intermediate exchange cost corresponding to the intermediate exchange result is an upper limit of the multiple exchange costs; If the intermediate exchange price is the upper limit of the multiple exchange prices, the intermediate exchange price is used as the target exchange price of the access object; otherwise, the last adjusted intermediate exchange price is used as the target exchange price of the access object.

6. The method according to any one of claims 1 to 5, characterized in that The initial exchange price is determined in the following manner: If the basic resource consumption is lower than the average resource consumption, calculating the difference between the average resource consumption and the basic resource consumption; Determine the adjustment step size of each exchange cost based on the difference and the preset number of cost levels; Based on the adjustment step size and the basic resource consumption, obtaining exchange costs of multiple gears; When the number of the cost levels is an odd number, the median of the exchange costs of the multiple levels is used as the initial exchange cost; When the number of the cost levels is an even number, the exchange cost adjacent to the median among the exchange costs of the multiple levels is used as the initial exchange cost.

7. The method according to any one of claims 1 to 5, characterized in that The exchange result corresponding to each exchange cost is determined in the following way: Based on the exchange cost and the basic resource consumption, obtaining an exchange rate generated each time two electronic resources in the target resource pair are exchanged; Acquire the exchange data volume of two electronic resources in the target resource pair exchanged according to the exchange price within the preset time period; Based on the exchange rate and the exchange data volume, the exchange result is determined.

8. The method according to any one of claims 1 to 5, characterized in that The obtaining of the intermediate exchange price based on the initial exchange price includes: Based on the initial exchange cost, the intermediate exchange cost is obtained according to a preset adjustment direction and adjustment step size; or The intermediate exchange cost is obtained based on the difference between the initial exchange cost and the basic resource consumption, and the difference between the average resource consumption and the basic resource consumption.

9. A resource exchange cost determination device, characterized in that: include: An initialization module, used to obtain a preset initial exchange price based on a target resource pair used by an access object; wherein the target resource pair includes two electronic resources to be exchanged across borders, and the initial exchange price is determined based on the basic resource consumption required by the two electronic resources during the exchange process, combined with the average resource consumption; A result determination module, used for counting the initial exchange results generated by exchanging the two electronic resources in the target resource pair according to the initial exchange cost within a preset time period; A cost adjustment module, configured to obtain an intermediate exchange cost based on the initial exchange cost; The result determination module is further used to obtain an intermediate exchange result generated by exchanging the target resource pair within the preset time period based on the intermediate exchange cost; The cost determination module is used to determine the target exchange cost of the access object based on the comparison result of the initial exchange result and the intermediate exchange result.

10. An electronic device, characterized in that: The method comprises a processor and a memory, wherein the memory stores a computer program, and when the computer program is executed by the processor, the processor executes the steps of any one of the methods of claims 1-8.

11. A computer-readable storage medium, characterized in that: It comprises a computer program. When the computer program is run on an electronic device, the computer program is used to make the electronic device execute the steps of any one of the methods of claims 1-8.

12. A computer program product, characterized in that The method comprises a computer program stored in a computer-readable storage medium; when a processor of an electronic device reads the computer program from the computer-readable storage medium, the processor executes the computer program, so that the electronic device executes the steps of any one of the methods described in claims 1-8.

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