Foreign currency exchange scheme analysis method and device, equipment and medium

Abstract

The invention relates to the technical field of data analysis, and discloses a foreign currency exchange scheme analysis method and device, equipment and a medium, and the method comprises the steps: receiving a foreign currency exchange request of a target user, and extracting an identity label of the target user according to the foreign currency exchange request; matching a verification condition of the target user according to the foreign currency exchange request and the identity label; performing multi-polling verification on the target user according to the verification condition; and if the target user passes the multi-polling verification, sending the foreign currency exchange request to a preset business personnel terminal, and after receiving exchange business completion information returned by the business personnel terminal, generating a foreign currency exchange receipt scheme of the target user according to the exchange business completion information. The foreign currency exchange efficiency can be improved.

Description

Technical Field

[0001] The present invention relates to the field of data analysis technology, and in particular to a foreign currency exchange scheme analysis method, device, equipment and medium. Background Art

[0002] With the acceleration of global economic integration and the increasing frequency of international exchanges, the demand for foreign currency exchange is growing. Whether it is traveling abroad, business trips or cross-border trade, people have higher and higher requirements for the convenience and efficiency of foreign currency exchange. At the same time, with the continuous advancement of science and technology, the field of financial technology is also developing rapidly. As a new type of financial service equipment, foreign currency exchange machines have gradually become an important choice for people and retrograde foreign currency exchange with their advantages of convenience, speed, and 24-hour uninterrupted service.

[0003] The existing foreign currency exchange method is based on exchanging foreign currencies at bank counters. However, the bank counter exchange method has problems such as long waiting time and limited business hours. It cannot meet the fast and efficient requirements of modern equipment, and cannot ensure the identity of the user, resulting in the inability to verify the user identity, thereby reducing the security when exchanging foreign currencies. Summary of the invention

[0004] The present invention provides a foreign currency exchange scheme analysis method, device, equipment and medium to solve the technical problem of low security when performing foreign currency exchange.

[0005] In a first aspect, a foreign currency exchange scheme analysis method is provided, comprising: receiving a foreign currency exchange request from a target user, and extracting an identity identifier of the target user according to the foreign currency exchange request; matching the verification condition of the target user according to the foreign currency exchange request and the identity identifier; Performing multi-polling verification on the target user according to the verification condition; If the target user passes the multi-polling verification, the foreign currency exchange request is sent to the preset business personnel end, and after receiving the exchange business completion information returned by the business personnel end, a foreign currency exchange receipt solution for the target user is generated according to the exchange business completion information.

[0006] In a second aspect, a foreign currency exchange scheme analysis device is provided, comprising: An identity extraction module for receiving a foreign currency exchange request from a target user and extracting an identity of the target user according to the foreign currency exchange request; A verification condition matching module, used for matching the verification condition of the target user according to the foreign currency exchange request and the identity identifier; A multi-polling verification module, used for performing a multi-polling verification on the target user according to the verification condition; The foreign currency exchange receipt scheme generating module is used to send the foreign currency exchange request to the preset business personnel end if the target user passes the multi-polling verification, and after receiving the exchange business completion information returned by the business personnel end, generate the foreign currency exchange receipt scheme for the target user according to the exchange business completion information.

[0007] In a third aspect, a computer device is provided, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the above-mentioned foreign currency exchange scheme analysis method when executing the computer program.

[0008] In a fourth aspect, a computer-readable storage medium is provided, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the steps of the above-mentioned foreign currency exchange scheme analysis method are implemented.

[0009] The embodiment of the present invention can accurately identify the initiator of each exchange transaction by extracting the user identity identifier to prevent identity confusion; by configuring the verification conditions, it can confirm whether the user meets the exchange qualifications based on the user's identity information, historical behavior, etc., to ensure the security of the transaction; the multi-round verification mechanism can check the user's identity and transaction status at different stages to prevent foreign currency exchange through improper means; after the business personnel confirms that the exchange operation is completed, the system generates a receipt plan to ensure that the user obtains a formal transaction voucher and ensures the traceability of the transaction process. Therefore, the foreign currency exchange plan analysis method, device, equipment and medium proposed by the present invention can solve the problem of low security when exchanging foreign currencies. BRIEF DESCRIPTION OF THE DRAWINGS

[0010] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the accompanying drawings required for use in the description of the embodiments of the present invention will be briefly introduced below. Obviously, the accompanying drawings in the following description are only some embodiments of the present invention. For ordinary technicians in this field, other accompanying drawings can be obtained based on these accompanying drawings without paying creative labor.

[0011] Figure 1 is a schematic diagram of an application environment of a foreign currency exchange scheme analysis method in one embodiment of the present invention; Figure 2 is a flow chart of a foreign currency exchange scheme analysis method according to an embodiment of the present invention; Figure 3 yes Figure 2 A schematic flow chart of a specific implementation of step S1; Figure 4 yes Figure 2 A schematic flow chart of a specific implementation of step S2; Figure 5 is a structural schematic diagram of a foreign currency exchange scheme analysis device in one embodiment of the present invention; Figure 6 is a schematic diagram of a structure of a computer device in one embodiment of the present invention; Figure 7 It is another structural schematic diagram of a computer device in one embodiment of the present invention. DETAILED DESCRIPTION

[0012] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0013] The foreign currency exchange scheme analysis method provided by the embodiment of the present invention can be applied in the following aspects: Figure 1 In the application environment, the client communicates with the server through the network. The server can receive the foreign currency exchange request of the target user through the client, extract the identity of the target user according to the foreign currency exchange request; match the verification condition of the target user according to the foreign currency exchange request and the identity; perform multi-polling verification on the target user according to the verification condition; if the target user passes the multi-polling verification, the foreign currency exchange request is sent to the preset business personnel end, and after receiving the exchange business completion information returned by the business personnel end, the foreign currency exchange receipt scheme of the target user is generated according to the exchange business completion information, and the foreign currency exchange receipt scheme is fed back to the client. In the present invention, by extracting the user identity, the initiator of each exchange transaction can be accurately identified to prevent identity confusion; by configuring the verification condition, it can be confirmed whether the user meets the exchange qualification according to the user's identity information, historical behavior, etc., to ensure the security of the transaction; the multi-round verification mechanism can check the user's identity and transaction status at different stages to prevent foreign currency exchange by improper means; after the business personnel confirms that the exchange operation is completed, the system generates a receipt scheme to ensure that the user obtains a formal transaction voucher and ensures the traceability of the transaction process. The client may be, but is not limited to, various personal computers, laptops, smart phones, tablet computers, and portable wearable devices. The server may be implemented by an independent server or a server cluster consisting of multiple servers. The present invention is described in detail below through specific embodiments.

[0014] See also Figure 2 As shown, Figure 2 A flow chart of a foreign currency exchange scheme analysis method provided by an embodiment of the present invention includes the following steps: S1. Receive a foreign currency exchange request from a target user, and extract an identity identifier of the target user according to the foreign currency exchange request.

[0015] In an embodiment of the present invention, the foreign currency exchange request includes a user identity, an exchange amount, currency information and a payment method, wherein the user identity includes but is not limited to a bank card number, a payment account number, a mobile phone number, an ID number, and an email address; the exchange amount refers to the amount used to request the exchange, which may be a principal amount or a foreign currency amount; the currency information refers to the type of foreign currency and local currency requested to be exchanged by the user; the payment method is the payment method used for the exchange amount, such as a bank card, and the foreign currency exchange request of the target user is received through an interceptor, and the request is parsed through the interceptor.

[0016] Furthermore, in order to ensure the legality and security of transactions and prevent others from impersonating users to conduct illegal transactions or fraud, it is necessary to verify the identity of the user based on the target user's identity to protect the user's funds and ensure the transparency and compliance of transactions.

[0017] In an embodiment of the present invention, the identity identifier refers to information that can uniquely identify a user's identity and is used to confirm or verify the identity of a user, device or account in a system or platform. The identity identifier can be in various forms and is used to ensure security, verify authorization and prevent identity theft.

[0018] In the embodiment of the present invention, referring to Figure 3 As shown, the step of extracting the identity of the target user according to the foreign currency exchange request includes: S31, parsing the request parameters in the foreign currency exchange request to obtain a request parameter field; S32, identifying the unique identification information corresponding to the target user in the request parameter field; S33: extracting identification data corresponding to the unique identification information, and determining the identity of the target user according to the identification data.

[0019] In detail, a foreign currency exchange request consists of multiple parameters, which contain various information about the transaction, such as the parsed request parameter fields are User ID, which refers to the user's unique identifier; Transaction Amount, which represents the exchange amount; Currency Pair, such as USD to EUR; User account information, such as bank card number, payment account number, etc.; Transaction timestamp, the time when the request was initiated, etc. After parsing the parameters, it is possible to identify which fields contain the unique identification information of the target user.

[0020] Specifically, the unique identification information includes but is not limited to user ID, mobile phone number, email, bank card number, identity authentication information, and payment platform account ID. Once the unique identification information of the target user (such as user ID, mobile phone number, bank card number, etc.) is identified, the corresponding identification data needs to be extracted from the request. The identification data is the specific content of the field, which will serve as the basis for user identity identification. If the unique identification information is "user ID", the specific value of the field needs to be extracted, such as user_id=123456. If the unique identification information is "mobile phone number", the value of the mobile phone number field needs to be extracted, such as phone=13800138000. The extracted identification data can determine the identity of the target user. After extracting the unique identification information, these identification data need to be used for further identity identification and verification to confirm whether the request is legal and initiated by the correct user.

[0021] Furthermore, foreign currency exchange usually involves certain monetary transactions and carries a high risk. By verifying the identity of the user, it is ensured that only legitimate target users can initiate exchange requests to prevent third parties from impersonating users to conduct illegal transactions. The matching of identity identifiers can confirm whether the request is initiated by the actual account holder to prevent the account from being stolen or forged. Therefore, it is necessary to match the verification conditions of the target user.

[0022] S2. Matching the verification condition of the target user according to the foreign currency exchange request and the identity identifier.

[0023] In an embodiment of the present invention, the verification condition is a standard or rule used to determine whether a request is legal and compliant, and the verification condition includes an identity authentication condition and a foreign currency exchange verification condition. The identity authentication condition is a standard used to verify whether the user's identity is legal and valid, such as identity information requirements; the foreign currency exchange verification condition is used to confirm whether the user's foreign currency exchange request complies with the specified standards and rules, such as exchange amount limits, currency exchange rules, handling fees and exchange rates, and exchange frequencies.

[0024] In the embodiment of the present invention, referring to Figure 4 As shown, the verification condition of matching the target user according to the foreign currency exchange request and the identity identifier includes: S41, matching the identity identifier with a matching rule in a pre-acquired identity authentication mapping table to obtain an identity authentication condition of the target user; S42, extracting the exchange parameters in the foreign currency exchange request according to the preset exchange attributes; S43, matching the exchange parameter with the pre-acquired foreign currency exchange rules to obtain the foreign currency exchange verification condition of the target user; S44: Determine the identity authentication condition and the foreign currency exchange authentication condition as the authentication condition for the target user.

[0025] In detail, the user identity does not necessarily have to be the ID number. Other ID numbers can verify the user's identity as long as it is unique. It can be foreseen that it can be verified in multiple ways, and the verification channel is not unique. Therefore, it is necessary to match the verification conditions of the target user. The identity identifier refers to the user's unique identity information, such as the user's ID number, account number, mobile phone number, etc., and the identity authentication mapping table is a pre-defined table that stores the verification rules for different user identities. The identity identifier in the user request is then matched with the rules in the mapping table. After matching, an identity authentication condition for the target user is obtained. For example, the verification regular expression corresponding to the ID number in the identity authentication mapping table is ^\d{6}(19|20)\d{2}(0[1-9]|1[0-2])([0-2][1-9]|3[0-1])\d{3}([0-9Xx])$". If the identity identifier is the ID number, the identity authentication condition refers to the regular expression that needs to be satisfied.

[0026] Specifically, a foreign currency exchange request includes the type of currency to be exchanged (such as USD / RMB, EUR / USD, etc.), the exchange amount, the exchange method (such as online payment, bank transfer, etc.), and the exchange frequency (such as single transaction amount limit, monthly maximum exchange amount, etc.). The extracted exchange parameters are matched with the pre-set foreign currency exchange rules. The foreign currency exchange rules include the types of currencies allowed for exchange and the exchange ratio, the maximum exchange amount for each transaction, the daily or monthly exchange amount for each user, the exchange fee and processing time, and the restrictions on the exchange method. Then, through the matching rules, the foreign currency exchange verification conditions can be obtained. The conditions reflect whether the user can successfully complete the exchange request, and thus the identity authentication conditions and the foreign currency exchange verification conditions are combined to generate the verification conditions for the target user, that is, whether the user's identity is legal (through identity authentication) and whether the exchange request complies with the foreign currency exchange rules of the platform or bank will be comprehensively considered.

[0027] Furthermore, in order to improve the accuracy and security of transactions, reduce the risk of errors and forgeries, ensure the authenticity and reliability of user identities and that user redemption requirements meet the requirements of the redemption platform, it is necessary to perform multiple verifications on the target user's identity conditions and redemption requirements according to the verification conditions to ensure the security of transactions.

[0028] S3. Perform multiple polling verification on the target user according to the verification condition.

[0029] In the embodiment of the present invention, multi-polling verification refers to multiple verification steps being verified in sequence, and each step will verify the data until all conditions are met. Each round of verification is based on the result of the previous step and performs a more in-depth verification on the accuracy and legality of the data.

[0030] In the embodiment of the present invention, the performing multi-polling verification on the target user according to the verification condition includes: authenticating the target user according to the identity authentication condition in the authentication condition; When the identity authentication is passed, verifying whether the foreign currency exchange demand of the target user meets the foreign currency exchange attribute in the foreign currency exchange device according to the foreign currency exchange verification condition in the verification condition; When the foreign currency exchange attribute in the foreign currency exchange device is met, the currency value data of the target user is extracted, and the authenticity of the currency value data is verified; When the currency value data is verified, the foreign currency exchange demand is updated according to the currency value data to obtain an updated foreign currency exchange demand; After receiving the updated foreign currency exchange demand, the verification result of the multi-polling verification is determined as verification passed.

[0031] In detail, the target user is authenticated according to the identity authentication conditions in the verification conditions, that is, it is verified whether the identity identifier of the target user meets the identity authentication conditions, wherein the identity authentication conditions include text verification and face recognition verification.

[0032] Specifically, in order to achieve a more secure effect of verifying the user's identity, in one embodiment of the present invention, the step of authenticating the target user according to the identity verification condition in the verification condition includes: Fill the target user's identity information into a preset template information text to generate an identity information text, and calculate a first hash value corresponding to the identity information text; Sending the first Hash value to a server, and the server determining a standard Hash value corresponding to the identity information according to a mapping relationship between the identity information and the standard Hash value in the verification condition; Compare the first Hash value with the standard Hash value to obtain a first verification result; The image recognition engine is called to recognize the face image of the target user to obtain a second verification result.

[0033] In detail, the preset template information text is a pre-designed text format, in which some positions are reserved for filling in the target user's identity information. The identity information may include the user's name, ID number, mobile phone number, and other information that can uniquely identify the user's identity. The specific identity information is then filled in the corresponding position of the template text to form a complete text content. The hash value is a fixed-length string obtained by calculating the text content through a hash function. The template text filled with identity information is calculated using a specific hash function, and the result obtained is the first hash value.

[0034] Specifically, the local device (such as the user's mobile phone, computer, etc.) sends the calculated first hash value to the server through the network. In this process, only the hash value is transmitted, not the original user identity information, thereby protecting the user's privacy to a certain extent. The server stores a mapping table between user identity and standard hash value. The mapping table records the standard hash value corresponding to each user's identity information. When the server receives the first hash value, it will find the pre-stored standard hash value corresponding to the identity information based on the user identity information included in the verification condition. The server compares the received first hash value with the standard hash value found in the mapping table. If the first hash value and the standard hash value are equal, it means that the hash value of the user identity information calculated locally is consistent with the standard hash value of the user identity information stored in the server; if the two are not equal, it means that there is a difference, which may be that the user identity information is entered incorrectly or has been tampered with.

[0035] Furthermore, user identity needs to be verified not only through text but also through face recognition. The face is unique and difficult to replicate, and everyone's facial features are unique. Face recognition technology can effectively prevent identity impersonation and fraud and improve the security of identity authentication.

[0036] In the embodiment of the present invention, the calling of the image recognition engine to recognize the face image of the target user to obtain the second verification result includes: Extract facial features corresponding to the target user's facial image; Comparing the facial features with a pre-stored facial feature template to obtain a feature matching degree; Identifying a feature change trend of the facial feature according to the feature matching degree; Determining the target facial features in the facial feature template according to the feature change trend; The facial features are compared with the target facial features to obtain a second verification result.

[0037] Specifically, when the target user's facial image is acquired (for example, by real-time camera capture or by calling from a specified image library), the image recognition engine will use a special algorithm to analyze the image. The algorithm can detect key parts of the face, such as the eyes, nose, mouth, etc., and further extract features that can characterize the uniqueness of the face. These features may include information such as the geometric shape of the facial contour, the relative position relationship between the facial features, and facial texture details. Through mathematical calculations and image processing technology, these features are converted into digital forms that can be understood and processed by computers, namely facial feature vectors.

[0038] Specifically, the system pre-stores facial feature templates for each user. These templates are collected and saved when the user first registers or is successfully verified before. The facial feature vector of the currently extracted target user is compared with the corresponding pre-stored facial feature template. The comparison process usually uses a specific distance measurement algorithm, such as Euclidean distance, cosine similarity, etc., to calculate the degree of similarity between the two. In order to better adapt to the natural changes of the face over time (such as aging, changes in facial expressions, etc.) and possible environmental factors (such as changes in facial image features taken under different lighting conditions), the system needs to analyze the trend of feature changes. By tracking and recording the feature matching degrees obtained during multiple verification processes, and using data analysis methods (such as time series analysis, etc.), the changing pattern of feature matching degrees over time can be identified. Based on the identified feature change trends, the pre-stored facial feature templates are compared. The face template is dynamically adjusted, and those parts that best reflect the current user's facial feature status are selected from the facial feature template as the target facial features, so that the template always maintains a high degree of match with the user's current facial features, significantly improving the accuracy and reliability of long-term verification. If the feature change trend shows that the user's facial contour is gradually becoming loose, then the feature parameters related to the facial contour in the facial feature template will be adjusted to adapt to this change. The system may weight or recalculate the corresponding features in the template according to the direction and magnitude of the change trend, so that the target facial features are more in line with the user's current actual facial features. The facial features of the currently extracted target user are compared with the adjusted target facial features again to obtain a second verification result. When both the first verification result and the second verification are verified, it means that the identity authentication is a combination of humanities and social sciences, thereby more accurately verifying the user's identity.

[0039] Furthermore, when the identity authentication is passed, the user's identity is marked as authentic and legal, and the user is allowed to proceed to the next step. The target user's foreign currency exchange needs will be verified according to the foreign currency exchange verification conditions, that is, whether the target user's foreign currency exchange needs meet the exchangeable range and conditions of the foreign currency exchange device. For example, if the user's needs are to exchange a certain foreign currency (such as US dollars, euros, etc.) or an exchange amount, and the foreign currency exchange device will have a series of foreign currency exchange attributes, such as supported foreign currencies, exchange rate ranges, exchange amount limits, etc., so as to verify whether the target user's needs meet the requirements of the device. If the user's foreign currency exchange needs meet the conditions of the device, proceed to the next step; if not, the request may be rejected or the user may be required to modify it.

[0040] Specifically, the foreign currency exchange attributes refer to specific rules, conditions and parameters related to foreign currency exchange, including but not limited to foreign currency types, exchange amount limits, exchange rate rules, exchange fees, and exchange types, and verify whether the foreign currency exchange needs of the target user meet the relevant rules of foreign currency exchange.

[0041] In the embodiment of the present invention, the step of verifying whether the foreign currency exchange demand of the target user satisfies the foreign currency exchange attribute in the foreign currency exchange device according to the foreign currency exchange verification condition in the verification condition includes: Extracting the transaction type and foreign currency exchange attributes from the exchange parameters; Extracting the foreign currency exchange amount and the foreign currency exchange type in the foreign currency exchange demand according to the foreign currency exchange attribute; Extracting the target exchange amount and target exchange type in the foreign currency exchange attribute according to the foreign currency exchange verification condition; Comparing the foreign currency exchange amount with the target exchange amount to obtain a first comparison result; Comparing the foreign currency exchange type with the target exchange type to obtain a second comparison result; A foreign currency attribute verification result is determined according to the first comparison result and the second comparison result.

[0042] In detail, the transaction type refers to the type of operation selected by the user when exchanging foreign currency, such as "buy foreign currency", "sell foreign currency", "remittance" or "payment", etc. The foreign currency exchange attribute is the exchange demand of the target user, such as the type of foreign currency to be exchanged, the exchange amount, etc., so as to extract the foreign currency exchange amount and foreign currency exchange type corresponding to the target user from the foreign currency exchange attribute, and then compare the foreign currency exchange amount of the target user with the target exchange amount of the foreign currency exchange rule. The target exchange amount refers to the compliant or permissible exchange amount set by the foreign currency exchange attributes and rules. The first comparison result is that the foreign currency exchange amount is equal to the target exchange amount, the foreign currency exchange amount is less than the target exchange amount, and the foreign currency exchange amount is greater than the target exchange amount; and the foreign currency exchange type is compared with the target exchange amount. The target exchange type refers to the available exchange type set in the foreign currency exchange device or different exchange rules are set according to different types of foreign currencies (for example, some currencies can only be bought or can only be sold), and the second comparison result is that the foreign currency exchange type conforms to the target exchange type or the foreign currency exchange type does not conform to the target exchange type, so as to determine the verification result according to the first comparison result and the second comparison result, and the verification result is that when the first comparison result is that the foreign currency exchange amount is equal to the target exchange amount or the foreign currency exchange amount is less than the target exchange amount and the foreign currency exchange type conforms to the target exchange type, the verification result is passed, and when the first comparison result is that the foreign currency exchange amount is greater than the target exchange amount or the foreign currency exchange type does not conform to the target exchange type, the verification result is failed.

[0043] Specifically, when the user's foreign currency exchange demand is verified, the image of the exchanged banknotes of the target user will be identified, and the authenticity of the exchange by the target user will be verified based on the banknote image, that is, the currency value image in the currency value data is identified, and the light-transmitting scanning image corresponding to the currency value image is extracted; when there is a preset invisible pattern in the light-transmitting scanning image, the currency value data is verified as real currency value data; when there is no preset invisible pattern in the light-transmitting scanning image, the currency value data is verified as fake currency value data, and when the currency value data passes the verification and enters the next step, if it is found that the data is not true or inconsistent, the exchange request may be rejected or the user may be required to re-verify; after the currency value data verification is passed, the user's foreign currency exchange demand will be updated, such as updating the user's exchange amount, and the updated foreign currency exchange demand will be stored and ready for execution.

[0044] Furthermore, when all verification and update operations are completed, the business personnel will receive the updated foreign currency exchange demand. If all steps are successfully completed (identity authentication, foreign currency exchange verification, currency value data verification and exchange demand update, etc.), the verification result will be judged as "verification passed". At this time, the target user's foreign currency exchange demand is considered to be legal and meets all conditions, and subsequent operations can continue, such as executing the exchange, generating transaction records, etc.

[0045] S4. If the target user passes the multi-polling verification, the foreign currency exchange request is sent to the preset business personnel end, and after receiving the exchange business completion information returned by the business personnel end, a foreign currency exchange receipt solution for the target user is generated according to the exchange business completion information.

[0046] In an embodiment of the present invention, once a foreign currency exchange request has passed multiple rounds of automated verification, it will be transferred to a preset business personnel end, which refers to a staff port (such as a back-end system) of a bank, financial institution or foreign exchange trading platform. This is the part handled by a dedicated business personnel. This port usually includes a management interface, in which the staff can view the detailed information of the request and make a decision on whether to approve it, that is, execute the foreign currency exchange according to the updated foreign currency exchange request, and receive the exchange business completion information after the foreign currency exchange, and then generate a foreign currency exchange receipt plan for the target user for foreign currency exchange according to the exchange business completion information.

[0047] In an embodiment of the present invention, the foreign currency exchange receipt scheme refers to a formal record document or voucher provided by a financial institution or relevant service provider to a user after a foreign currency exchange transaction is completed, which lists in detail the specific information of the transaction and the user's identity information, including relevant data on the completion of the transaction, and serves as confirmation and voucher of the transaction.

[0048] In an embodiment of the present invention, the scheme for generating a foreign currency exchange receipt for a target user according to the exchange service completion information includes: Extracting the foreign currency transaction field and identity field of the target user according to the exchange business completion information; Determine the transaction content through the foreign currency transaction field, and determine the identity information through the identity field; Generate a transaction details table according to the transaction fields and the transaction contents corresponding to the transaction fields; Generate an identity details table according to the identity field and the identity information corresponding to the identity field; The transaction details table and the identity details table are spliced ​​together to obtain a foreign currency exchange receipt solution.

[0049] In detail, the foreign currency transaction field and identity field are extracted from the transaction completion information. The foreign currency transaction field refers to the data field related to the foreign currency exchange transaction, including but not limited to the transaction amount, the amount of foreign currency exchanged by the user, the exchange rate, the exchange rate at the time of actual exchange, the exchange currency, such as US dollars, euros, etc., the transaction type, whether it is buying or selling foreign currency, the transaction time, the specific time of foreign currency exchange, the handling fee, whether there is an exchange fee and its amount; the identity field refers to the data field related to the user's identity, including but not limited to the user's name, the full name of the target user who initiated the exchange, the ID number / passport number used to identify the user's unique identity, account information, such as account number, bank name, etc., contact information: such as mobile phone number, email, etc. Based on the extracted foreign currency transaction field, it is necessary to judge and determine the actual transaction content, which means matching the transaction data field with the corresponding content in order to describe the specific transaction details. Similar to the transaction content, the identity field will help the system confirm the specific identity information of the target user and determine the field content based on the extracted identity field.

[0050] Specifically, a transaction details table is generated based on the transaction content extracted from the foreign currency transaction field. The transaction details table contains various key information of the transaction so as to clearly and transparently display the transaction content. The identity details table records the user's basic identity information based on the information extracted from the identity field. The two tables are merged and spliced ​​into the final foreign currency exchange receipt solution, thereby providing a complete and clear foreign currency exchange record.

[0051] Exemplarily, the identity details table is name: Zhang San, ID number: 123456789012345, account number: 6227xxxxxx, mobile phone: 138xxxxxx; the transaction details table is transaction time: xx:xx on xx / xx / 2024, exchange amount: 1000 USD, exchange rate: 1 USD = 7.2 CNY, transaction type: purchase of foreign currency, handling fee: 10 RMB, transaction status: successfully completed, thereby generating a foreign currency exchange receipt plan based on the identity details table and the transaction details table.

[0052] Furthermore, when generating a foreign currency exchange receipt solution, the target user may need to continue exchanging foreign currency, and thus the request parameters in the foreign currency exchange request need to be updated to perform the foreign currency exchange again.

[0053] In the embodiment of the present invention, after generating the foreign currency exchange receipt scheme of the target user according to the exchange service completion information, the method further includes: After generating a foreign currency exchange receipt plan, check whether there is a preset target exchange request; When the target exchange request exists, returning to the step of performing multi-polling verification on the target user according to the verification condition until the target exchange request is not detected; When the target exchange request is not detected, the generated foreign currency exchange receipt scheme is updated to obtain an updated foreign currency exchange receipt scheme.

[0054] In detail, a target exchange request refers to a request for foreign currency exchange that the target user needs to make again after completing the foreign currency exchange. If the target exchange request is detected, the system will return and perform multiple polling checks on the target user. If the target exchange request is not detected after a period of time or multiple rounds of verification, it means that the target exchange request has been met or no longer exists. After the target exchange request is not detected, the system will update the initially generated foreign currency exchange receipt plan to ensure that all information is latest and accurate. The update content includes the final confirmation of the transaction amount, the establishment of the handling fee, the final exchange rate, user confirmation information, etc. The updated foreign currency exchange receipt plan will be sent to the user as the final confirmation voucher, that is, if the target user has only one foreign currency exchange request, a foreign currency exchange receipt plan will be generated. If the target user has another foreign currency exchange request after the foreign currency exchange is completed, a foreign currency exchange receipt plan will be generated after the second foreign currency exchange request is completed. The twice generated foreign currency exchange receipt plans will be determined as the updated foreign currency exchange receipt plans.

[0055] In addition, the cash box count will be cleared, that is, the machine will be cleared for management. When the exchange amount is insufficient during foreign currency exchange, cash addition will be performed. The cash module will be checked. If it is normal, the current cash box information interface will be displayed. If it is abnormal, it will be reset and the hardware status will be checked. If it is still abnormal, it will prompt a cash device failure. After checking the hardware / software status in the current cash box information interface, enter the cash box cash addition number input interface, enter the amount in the amount input screen, and send a cash addition notification. After the cash addition is successful, the cash box information after the device has added cash will be displayed, thereby realizing the cash addition processing of the foreign currency exchange equipment. It can be seen that in the above scheme, by extracting the user identity identifier, the initiator of each exchange transaction can be accurately identified to prevent identity confusion; by configuring the verification conditions, the user's identity information, historical behavior, etc. can be used to confirm whether the user meets the exchange qualifications to ensure the security of the transaction; the multi-round verification mechanism can check the user identity and transaction status at different stages to prevent foreign currency exchange through improper means; after the business personnel confirms that the exchange operation is completed, the system generates a receipt plan to ensure that the user obtains a formal transaction voucher and ensures the traceability of the transaction process.

[0056] It should be understood that the order of execution of the steps in the above embodiment does not necessarily mean the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiment of the present invention.

[0057] In one embodiment, a foreign currency exchange scheme analysis device is provided, and the foreign currency exchange scheme analysis device corresponds one-to-one to the foreign currency exchange scheme analysis method in the above embodiment. Figure 5 As shown, the foreign currency exchange scheme analysis device includes an identity extraction module 101, a verification condition matching module 102, a multi-polling verification module 103 and a foreign currency exchange receipt scheme generation module 104. The functional modules are described in detail as follows: An identity extraction module 101 for receiving a foreign currency exchange request from a target user and extracting an identity of the target user according to the foreign currency exchange request; A verification condition matching module 102, configured to match the verification condition of the target user according to the foreign currency exchange request and the identity identifier; A multi-polling verification module 103, configured to perform a multi-polling verification on the target user according to the verification condition; The foreign currency exchange receipt scheme generating module 104 is used to send the foreign currency exchange request to the preset business personnel end if the target user passes the multi-polling verification, and after receiving the exchange business completion information returned by the business personnel end, generate a foreign currency exchange receipt scheme for the target user according to the exchange business completion information.

[0058] In one embodiment, the identity extraction module 101, when extracting the identity of the target user according to the foreign currency exchange request, is used to: Parsing the request parameters in the foreign currency exchange request to obtain the request parameter fields; Identify the unique identification information corresponding to the target user in the request parameter field; The identification data corresponding to the unique identification information is extracted, and the identity of the target user is determined according to the identification data.

[0059] In one embodiment, the verification condition matching module 102, when performing matching of the verification condition of the target user according to the foreign currency exchange request and the identity identifier, is used to: Matching the identity identifier with the matching rules in the pre-acquired identity authentication mapping table to obtain the identity authentication condition of the target user; Extracting the exchange parameters in the foreign currency exchange request according to the preset exchange attributes; Matching the exchange parameters with the pre-acquired foreign currency exchange rules to obtain the foreign currency exchange verification conditions of the target user; The identity verification condition and the foreign currency exchange verification condition are determined as verification conditions for the target user.

[0060] In one embodiment, the multi-polling verification module 103, when performing the multi-polling verification on the target user according to the verification condition, is used to: authenticating the target user according to the identity authentication condition in the authentication condition; When the identity authentication is passed, verifying whether the foreign currency exchange demand of the target user meets the foreign currency exchange attribute in the foreign currency exchange device according to the foreign currency exchange verification condition in the verification condition; When the foreign currency exchange attribute in the foreign currency exchange device is met, the currency value data of the target user is extracted, and the authenticity of the currency value data is verified; When the currency value data is verified, the foreign currency exchange demand is updated according to the currency value data to obtain an updated foreign currency exchange demand; After receiving the updated foreign currency exchange demand, the verification result of the multi-polling verification is determined as verification passed.

[0061] In one embodiment, the multi-polling verification module 103, when verifying whether the foreign currency exchange demand of the target user meets the foreign currency exchange attribute in the foreign currency exchange device according to the foreign currency exchange verification condition in the verification condition, is further used to: Extracting the transaction type and foreign currency exchange attributes from the exchange parameters; Extracting the foreign currency exchange amount and the foreign currency exchange type in the foreign currency exchange demand according to the foreign currency exchange attribute; Extracting the target exchange amount and target exchange type in the foreign currency exchange attribute according to the foreign currency exchange verification condition; Comparing the foreign currency exchange amount with the target exchange amount to obtain a first comparison result; Comparing the foreign currency exchange type with the target exchange type to obtain a second comparison result; A foreign currency attribute verification result is determined according to the first comparison result and the second comparison result.

[0062] In one embodiment, the foreign currency exchange receipt scheme generating module 104 generates a foreign currency exchange receipt scheme for a target user according to the exchange service completion information, and is used to: Extracting the foreign currency transaction field and identity field of the target user according to the exchange business completion information; Determine the transaction content through the foreign currency transaction field, and determine the identity information through the identity field; Generate a transaction details table according to the transaction fields and the transaction contents corresponding to the transaction fields; Generate an identity details table according to the identity field and the identity information corresponding to the identity field; The transaction details table and the identity details table are spliced ​​together to obtain a foreign currency exchange receipt solution.

[0063] In one embodiment, after generating the foreign currency exchange receipt scheme for the target user according to the exchange service completion information, the foreign currency exchange receipt scheme generating module 104 is further configured to: After generating a foreign currency exchange receipt plan, check whether there is a preset target exchange request; When the target exchange request exists, returning to the step of performing multi-polling verification on the target user according to the verification condition until the target exchange request is not detected; When the target exchange request is not detected, the generated foreign currency exchange receipt scheme is updated to obtain an updated foreign currency exchange receipt scheme.

[0064] The present invention provides a foreign currency exchange scheme analysis device, which can accurately identify the initiator of each exchange transaction by extracting the user identity identifier to prevent identity confusion; by configuring verification conditions, it can confirm whether the user meets the exchange qualifications based on the user's identity information, historical behavior, etc., to ensure the security of the transaction; a multi-round verification mechanism can check the user identity and transaction status at different stages to prevent foreign currency exchange by improper means; after the business personnel confirms that the exchange operation is completed, the system generates a receipt scheme to ensure that the user obtains a formal transaction voucher, thereby ensuring the traceability of the transaction process.

[0065] For the specific definition of the foreign currency exchange scheme analysis device, please refer to the definition of the intelligent question and answer method above, which will not be repeated here. The various modules in the above-mentioned foreign currency exchange scheme analysis device can be implemented in whole or in part by software, hardware and their combination. The above-mentioned modules can be embedded in or independent of the processor in the computer device in the form of hardware, or can be stored in the memory of the computer device in the form of software, so that the processor can call and execute the operations corresponding to the above modules.

[0066] In one embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as follows: Figure 6 As shown. The computer device includes a processor, a memory, a network interface and a database connected through a system bus. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile and / or volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external client through a network connection. When the computer program is executed by the processor, it realizes the functions or steps of a foreign currency exchange scheme analysis method on the server side.

[0067] In one embodiment, a computer device is provided. The computer device may be a client, and its internal structure diagram may be as follows: Figure 7 As shown. The computer device includes a processor, a memory, a network interface, a display screen and an input device connected through a system bus. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external server through a network connection. When the computer program is executed by the processor, it realizes the functions or steps of a client side of a foreign currency exchange scheme analysis method.

[0068] In one embodiment, a computer device is provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the following steps when executing the computer program: Receiving a foreign currency exchange request from a target user, and extracting an identity identifier of the target user according to the foreign currency exchange request; matching the verification condition of the target user according to the foreign currency exchange request and the identity identifier; Performing multi-polling verification on the target user according to the verification condition; If the target user passes the multi-polling verification, the foreign currency exchange request is sent to the preset business personnel end, and after receiving the exchange business completion information returned by the business personnel end, a foreign currency exchange receipt solution for the target user is generated according to the exchange business completion information.

[0069] In one embodiment, a computer readable storage medium is provided, on which a computer program is stored, and when the computer program is executed by a processor, the following steps are implemented: Receiving a foreign currency exchange request from a target user, and extracting an identity identifier of the target user according to the foreign currency exchange request; matching the verification condition of the target user according to the foreign currency exchange request and the identity identifier; Performing multi-polling verification on the target user according to the verification condition; If the target user passes the multi-polling verification, the foreign currency exchange request is sent to the preset business personnel end, and after receiving the exchange business completion information returned by the business personnel end, a foreign currency exchange receipt solution for the target user is generated according to the exchange business completion information.

[0070] It should be noted that the above functions or steps that can be implemented by the computer-readable storage medium or computer device can refer to the relevant descriptions on the server side and the client side in the aforementioned method embodiment. To avoid repetition, they will not be described one by one here.

[0071] Those of ordinary skill in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be implemented by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, storage, database or other media used in the embodiments provided in this application may include non-volatile and / or volatile memory. Non-volatile memory may include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM) or flash memory. Volatile memory may include random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in many forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), etc.

[0072] Those skilled in the art can clearly understand that for the convenience and simplicity of description, only the division of the above-mentioned functional units and modules is used as an example. In actual applications, the above-mentioned functions can be distributed and completed by different functional units and modules as needed, that is, the internal structure of the device can be divided into different functional units or modules to complete all or part of the functions described above.

[0073] The embodiments described above are only used to illustrate the technical solutions of the present invention, rather than to limit it. If software tools or components other than those of the company appear in the application embodiments, they are only used for illustrative purposes and do not represent actual use. Although the present invention has been described in detail with reference to the aforementioned embodiments, a person of ordinary skill in the art should understand that the technical solutions described in the aforementioned embodiments may still be modified, or some of the technical features thereof may be replaced by equivalents. Such modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the embodiments of the present invention, and should all be included in the protection scope of the present invention.

Claims

1. A foreign currency exchange scheme analysis method, characterized in that: include: receiving a foreign currency exchange request from a target user, and extracting an identity identifier of the target user according to the foreign currency exchange request; matching the verification condition of the target user according to the foreign currency exchange request and the identity identifier; Performing multi-polling verification on the target user according to the verification condition; If the target user passes the multi-polling verification, the foreign currency exchange request is sent to the preset business personnel end, and after receiving the exchange business completion information returned by the business personnel end, a foreign currency exchange receipt solution for the target user is generated according to the exchange business completion information.

2. The foreign currency exchange scheme analysis method according to claim 1, characterized in that: The step of extracting the identity of the target user according to the foreign currency exchange request includes: Parsing the request parameters in the foreign currency exchange request to obtain the request parameter fields; Identify the unique identification information corresponding to the target user in the request parameter field; The identification data corresponding to the unique identification information is extracted, and the identity of the target user is determined according to the identification data.

3. The foreign currency exchange scheme analysis method according to claim 1, characterized in that: The matching of the verification condition of the target user according to the foreign currency exchange request and the identity identifier includes: Matching the identity identifier with the matching rules in the pre-acquired identity authentication mapping table to obtain the identity authentication condition of the target user; Extracting the exchange parameters in the foreign currency exchange request according to the preset exchange attributes; Matching the exchange parameters with the pre-acquired foreign currency exchange rules to obtain the foreign currency exchange verification conditions of the target user; The identity verification condition and the foreign currency exchange verification condition are determined as verification conditions for the target user.

4. The foreign currency exchange scheme analysis method according to claim 1, characterized in that: The performing multi-polling verification on the target user according to the verification condition includes: authenticating the target user according to the identity authentication condition in the authentication condition; When the identity authentication is passed, verifying whether the foreign currency exchange demand of the target user meets the foreign currency exchange attribute in the foreign currency exchange device according to the foreign currency exchange verification condition in the verification condition; When the foreign currency exchange attribute in the foreign currency exchange device is met, the currency value data of the target user is extracted, and the authenticity of the currency value data is verified; When the currency value data is verified, the foreign currency exchange demand is updated according to the currency value data to obtain an updated foreign currency exchange demand; After receiving the updated foreign currency exchange demand, the verification result of the multi-polling verification is determined as verification passed.

5. The foreign currency exchange scheme analysis method according to claim 4, characterized in that: The verifying whether the foreign currency exchange demand of the target user satisfies the foreign currency exchange attribute in the foreign currency exchange device according to the foreign currency exchange verification condition in the verification condition includes: Extracting the transaction type and foreign currency exchange attributes from the exchange parameters; Extracting the foreign currency exchange amount and the foreign currency exchange type in the foreign currency exchange demand according to the foreign currency exchange attribute; Extracting the target exchange amount and target exchange type in the foreign currency exchange attribute according to the foreign currency exchange verification condition; Comparing the foreign currency exchange amount with the target exchange amount to obtain a first comparison result; Comparing the foreign currency exchange type with the target exchange type to obtain a second comparison result; A foreign currency attribute verification result is determined according to the first comparison result and the second comparison result.

6. The foreign currency exchange scheme analysis method according to claim 1, characterized in that: The scheme for generating a foreign currency exchange receipt for a target user according to the exchange business completion information includes: Extracting the foreign currency transaction field and identity field of the target user according to the exchange business completion information; Determine the transaction content through the foreign currency transaction field, and determine the identity information through the identity field; Generate a transaction details table according to the transaction fields and the transaction contents corresponding to the transaction fields; Generate an identity details table according to the identity field and the identity information corresponding to the identity field; The transaction details table and the identity details table are spliced ​​together to obtain a foreign currency exchange receipt solution.

7. The foreign currency exchange scheme analysis method according to claim 6, characterized in that: After generating the foreign currency exchange receipt scheme for the target user according to the exchange business completion information, the method further includes: After generating a foreign currency exchange receipt plan, check whether there is a preset target exchange request; When the target exchange request exists, returning to the step of performing multi-polling verification on the target user according to the verification condition until the target exchange request is not detected; When the target exchange request is not detected, the generated foreign currency exchange receipt scheme is updated to obtain an updated foreign currency exchange receipt scheme.

8. A foreign currency exchange scheme analysis device, characterized in that: include: An identity extraction module, used to receive a foreign currency exchange request from a target user, and extract the identity of the target user according to the foreign currency exchange request; A verification condition matching module, used for matching the verification condition of the target user according to the foreign currency exchange request and the identity identifier; A multi-polling verification module, used for performing multi-polling verification on the target user according to the verification condition; The foreign currency exchange receipt scheme generating module is used to send the foreign currency exchange request to the preset business personnel end if the target user passes the multi-polling verification, and after receiving the exchange business completion information returned by the business personnel end, generate the foreign currency exchange receipt scheme for the target user according to the exchange business completion information.

9. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the foreign currency exchange scheme analysis method according to any one of claims 1 to 7 is implemented.

10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the foreign currency exchange scenario analysis method according to any one of claims 1 to 7 is implemented.

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