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

Abstract

The present invention relates to the field of data analysis technology, and discloses a foreign currency exchange scheme analysis method, apparatus, device, and medium, comprising: receiving a foreign currency exchange request from a target user, extracting the target user's identity identifier based on the foreign currency exchange request; matching the target user's verification conditions based on the foreign currency exchange request and the identity identifier; performing a multi-polling verification on the target user based on the verification conditions; if the target user passes the multi-polling verification, sending the foreign currency exchange request to a preset business personnel terminal, and after receiving the exchange service completion information returned by the business personnel terminal, generating a foreign currency exchange receipt scheme for the target user based on the exchange service completion information. The present invention can improve the efficiency of foreign currency exchange.

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 continues to grow. Whether traveling abroad for tourism, business trips, or cross-border trade, people increasingly demand the convenience and efficiency of foreign currency exchange. Simultaneously, with the continuous advancement of technology, the field of financial technology is also developing rapidly. As a new type of financial service device, foreign currency exchange machines, with their advantages of convenience, speed, and 24-hour uninterrupted service, are gradually becoming a key choice for both personal and travel foreign currency exchange.

[0003] The existing foreign currency exchange method is based on exchanging foreign currency at bank counters. However, the bank counter exchange method has problems such as long queues 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 currency. 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 plan analysis method is provided, comprising:

[0006] 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;

[0007] matching the verification condition of the target user according to the foreign currency exchange request and the identity identifier;

[0008] Performing multi-polling verification on the target user according to the verification condition;

[0009] 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.

[0010] In a second aspect, a foreign currency exchange scheme analysis device is provided, comprising:

[0011] 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;

[0012] A verification condition matching module, configured to match the verification condition of the target user according to the foreign currency exchange request and the identity identifier;

[0013] A multi-polling verification module, configured to perform multi-polling verification on the target user according to the verification conditions;

[0014] The foreign currency exchange receipt scheme generation 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 a foreign currency exchange receipt scheme for the target user according to the exchange business completion information.

[0015] 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.

[0016] 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 plan analysis method are implemented.

[0017] By extracting the user's identity identifier, the embodiment of the present invention can accurately identify the initiator of each exchange transaction, preventing identity confusion. By configuring verification conditions, the user's exchange eligibility can be confirmed based on their identity information, historical behavior, etc., ensuring 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 the completion of the exchange operation, the system generates a receipt scheme to ensure that the user obtains a formal transaction voucher, ensuring the traceability of the transaction process. Therefore, the foreign currency exchange scheme analysis method, device, equipment and medium proposed by the present invention can solve the problem of low security when performing foreign currency exchange. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments of the present invention. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0019] Figure 1 This is a schematic diagram of an application environment of a foreign currency exchange solution analysis method according to an embodiment of the present invention;

[0020] Figure 2 This is a flow chart of a method for analyzing foreign currency exchange plans in one embodiment of the present invention;

[0021] Figure 3 yes Figure 2 A schematic flow chart of a specific implementation of step S1;

[0022] Figure 4 yes Figure 2 A schematic flow chart of a specific implementation of step S2;

[0023] Figure 5 This is a schematic structural diagram of a foreign currency exchange scheme analysis device according to an embodiment of the present invention;

[0024] Figure 6 is a structural diagram of a computer device in one embodiment of the present invention;

[0025] Figure 7 FIG. 2 is another structural diagram of a computer device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0026] The following will clearly and completely describe the technical solutions in the embodiments of the present invention in conjunction with the accompanying drawings. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of them. All other embodiments obtained by ordinary technicians in this field based on the embodiments of the present invention without making any creative efforts shall fall within the scope of protection of the present invention.

[0027] The foreign currency exchange scheme analysis method provided by the embodiment of the present invention can be applied in the following situations: Figure 1In an application environment, a client communicates with a server via a network. The server can receive a foreign currency exchange request from a target user through the client, extract the target user's identity based on the foreign currency exchange request, match the target user's verification conditions based on the foreign currency exchange request and the identity, and perform multi-round verification on the target user based on the verification conditions. If the target user passes the multi-round verification, the foreign currency exchange request is sent to a preset business personnel terminal. After receiving the exchange service completion information returned by the business personnel terminal, a foreign currency exchange receipt solution for the target user is generated based on the exchange service completion information and the foreign currency exchange receipt solution is fed back to the client. In the present invention, by extracting the user's identity, the initiator of each exchange transaction can be accurately identified to prevent identity confusion. By configuring verification conditions, the user's exchange eligibility can be confirmed based on their identity information, historical behavior, etc., ensuring 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 the completion of the exchange operation, the system generates a receipt solution to ensure that the user obtains a formal transaction voucher and ensures the traceability of the transaction process. The client can be, but is not limited to, various personal computers, laptops, smartphones, tablet computers, and portable wearable devices. The server can be implemented as a standalone server or a server cluster consisting of multiple servers. The user identity information and facial information involved in all embodiments of the present invention are collected through legal means with the user's consent. The present invention is described in detail below using specific embodiments.

[0028] See also Figure 2 As shown, Figure 2 A flow chart of a foreign currency exchange solution analysis method provided by an embodiment of the present invention includes the following steps:

[0029] 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.

[0030] 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 for the requested 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 for exchange 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.

[0031] Furthermore, in order to ensure the legality and security of transactions and prevent others from impersonating users to conduct illegal transactions or fraudulent activities, it is necessary to verify the user's identity based on the target user's identity to protect the user's funds and ensure the transparency and compliance of transactions.

[0032] 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.

[0033] In the embodiment of the present invention, referring to Figure 3 As shown, the step of extracting the target user's identity according to the foreign currency exchange request includes:

[0034] S31. Parse the request parameters in the foreign currency exchange request to obtain a request parameter field;

[0035] S32. Identify the unique identification information corresponding to the target user in the request parameter field;

[0036] S33: Extract identification data corresponding to the unique identification information, and determine the identity of the target user based on the identification data.

[0037] Specifically, a foreign currency exchange request consists of multiple parameters that contain various information about the transaction. For example, the parsed request parameter fields include the user ID, which represents the user's unique identifier; the transaction amount, which represents the exchange amount; the currency pair, such as USD to EUR; user account information, such as bank card number and payment account number; and the transaction timestamp, which represents the time the request was initiated. After parsing the parameters, the system identifies which fields contain the target user's unique identification information.

[0038] 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 target user's unique identification information (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.

[0039] Furthermore, foreign currency exchange usually involves certain monetary transactions and carries a high risk. By verifying the user's identity, it is ensured that only legitimate target users can initiate exchange requests, preventing third parties from impersonating users to conduct illegal transactions. Matching identity identifiers can confirm whether the request is initiated by the actual account holder, preventing the account from being stolen or forged. Therefore, it is necessary to match the verification conditions of the target user.

[0040] S2. Match the verification condition of the target user according to the foreign currency exchange request and the identity identifier.

[0041] In an embodiment of the present invention, the verification conditions are standards or rules used to determine whether a request is legal and compliant. The verification conditions include identity authentication conditions and foreign currency exchange verification conditions. The identity authentication conditions are standards used to verify whether the user's identity is legal and valid, such as identity information requirements; the foreign currency exchange verification conditions are 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 frequency.

[0042] 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:

[0043] S41, matching the identity identifier with the matching rules in the pre-acquired identity authentication mapping table to obtain the identity authentication conditions of the target user;

[0044] S42. Extracting exchange parameters from the foreign currency exchange request according to preset exchange attributes;

[0045] S43. Match the exchange parameter with a pre-acquired foreign currency exchange rule to obtain a foreign currency exchange verification condition for the target user;

[0046] S44: Determine the identity verification condition and the foreign currency exchange verification condition as the verification conditions for the target user.

[0047] In detail, the user identity identifier does not necessarily have to be the ID number. Other ID numbers can verify the user identity as long as it is unique. It can be foreseen that it can be verified in multiple ways. 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 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 authentication condition for the target user is obtained. For example, the verification regular expression corresponding to the ID number in the 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 authentication condition refers to the need to meet its corresponding regular expression.

[0048] 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 rate, 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 the identity authentication conditions and the foreign currency exchange verification conditions will be combined to generate the verification conditions for the target user, that is, whether the user identity is legal (passed identity authentication) and whether the exchange request complies with the foreign currency exchange rules of the platform or bank will be comprehensively considered.

[0049] 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 ensure 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 the transaction.

[0050] S3. Perform multi-polling verification on the target user according to the verification condition.

[0051] In an embodiment of the present invention, multi-polling verification refers to multiple verification steps being verified in sequence, and the data will be verified in each step 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 of the accuracy and legality of the data.

[0052] In the embodiment of the present invention, performing multi-polling verification on the target user according to the verification condition includes:

[0053] authenticating the target user according to the identity authentication condition in the verification condition;

[0054] After the identity verification is passed, verifying whether the target user's foreign currency exchange requirements meet the foreign currency exchange attributes in the foreign currency exchange device according to the foreign currency exchange verification conditions in the verification conditions;

[0055] When the foreign currency exchange attributes in the foreign currency exchange device are met, extracting the currency value data of the target user and performing authenticity verification on the currency value data;

[0056] When the currency value data passes verification, the foreign currency exchange demand is updated according to the currency value data to obtain an updated foreign currency exchange demand;

[0057] After receiving the updated foreign currency exchange demand, the verification result of the multi-polling verification is determined as verification passed.

[0058] In detail, the target user is authenticated according to the identity authentication conditions in the verification conditions, that is, 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.

[0059] Specifically, in order to achieve a more secure effect of verifying the user's identity, in one embodiment of the present invention, the authenticating the target user according to the identity verification condition in the verification condition includes:

[0060] Filling the target user's identity information into a preset template information text to generate an identity information text, and calculating a first hash value corresponding to the identity information text;

[0061] 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;

[0062] Comparing the first hash value with the standard hash value to obtain a first verification result;

[0063] The image recognition engine is called to recognize the face image of the target user to obtain a second verification result.

[0064] 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 is the first hash value.

[0065] 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 relationship table between user identity and standard hash value. The mapping relationship 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 contained in the verification conditions. The server will compare the received first hash value with the standard hash value found in the mapping relationship table. If the first hash value and the standard hash value are equal, it means that the hash value of the locally calculated user identity information 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.

[0066] Furthermore, user identity needs to be verified not only through text but also through facial recognition. Faces are unique and difficult to replicate, and everyone's facial features are unique. Facial recognition technology can effectively prevent identity impersonation and fraud and improve the security of identity authentication.

[0067] The user's identity information and facial information involved in all embodiments of the present invention are collected through legal channels with the user's consent.

[0068] In the embodiment of the present invention, the calling of the image recognition engine to recognize the face image of the target user and obtain the second verification result includes:

[0069] Extract facial features corresponding to the target user's facial image;

[0070] Comparing the facial features with pre-stored facial feature templates to obtain a feature matching degree;

[0071] identifying a feature change trend of the facial feature according to the feature matching degree;

[0072] Determining the target facial features in the facial feature template according to the feature change trend;

[0073] The facial features are compared with the target facial features to obtain a second verification result.

[0074] Specifically, once a facial image of a target user is captured (e.g., via real-time camera capture or from a designated image library), the image recognition engine applies specialized algorithms to analyze the image. These algorithms can detect key facial features, such as the eyes, nose, and mouth, and further extract features that characterize the face's uniqueness. These features may include the geometry of the facial contour, the relative positions of the facial features, and details of facial texture. Through mathematical calculations and image processing techniques, these features are converted into digital form that computers can understand and process, known as facial feature vectors.

[0075] 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 change pattern of feature matching degrees over time can be identified. Based on the identified feature change trends, the pre-stored facial feature templates are matched. The face template is dynamically adjusted, and the 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 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 currently extracted target user's facial features 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.

[0076] Furthermore, when the identity authentication is passed, the user's identity is identified as real 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 the exchange amount, the foreign currency exchange device will have a series of foreign currency exchange attributes, such as the types of foreign currencies supported, the exchange rate range, the exchange amount limit, 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.

[0077] Specifically, the foreign currency exchange attributes refer to the specific rules, conditions and parameters related to foreign currency exchange, including but not limited to the type of foreign currency, exchange amount limit, exchange rate rules, exchange fee, and exchange type, and verify whether the foreign currency exchange needs of the target user meet the relevant rules of foreign currency exchange.

[0078] In an embodiment of the present invention, the verifying whether the target user's foreign currency exchange demand satisfies the foreign currency exchange attributes in the foreign currency exchange device according to the foreign currency exchange verification condition in the verification condition includes:

[0079] Extracting the transaction type and foreign currency exchange attributes from the exchange parameters;

[0080] Extracting the foreign currency exchange amount and foreign currency exchange type in the foreign currency exchange demand according to the foreign currency exchange attribute;

[0081] Extracting the target exchange amount and target exchange type in the foreign currency exchange attributes according to the foreign currency exchange verification condition;

[0082] Comparing the foreign currency exchange amount with the target exchange amount to obtain a first comparison result;

[0083] Comparing the foreign currency exchange type with the target exchange type to obtain a second comparison result;

[0084] A foreign currency attribute verification result is determined according to the first comparison result and the second comparison result.

[0085] 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., thereby extracting the foreign currency exchange amount and foreign currency exchange type corresponding to the target user from the foreign currency exchange attribute, and then comparing 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 attribute and rule. 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, certain currencies can only be bought or only sold). 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. The verification result is determined based on the first comparison result and the second comparison result. 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; 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.

[0086] Specifically, when the user's foreign currency exchange demand is verified, the image of the target user's exchanged banknotes will be identified, and the authenticity of the target user's exchange will be verified based on the banknote image, that is, the currency value image in the currency value data will be identified, and the light-transmitting scanning image corresponding to the currency value image will be extracted; when there is a preset invisible pattern in the light-transmitting scanning image, the currency value data will be verified as real currency value data; when there is no preset invisible pattern in the light-transmitting scanning image, the currency value data will be 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 untrue 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.

[0087] 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 verification, foreign currency exchange verification, currency 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.

[0088] S4. If the target user passes the multi-polling verification, the foreign currency exchange request is sent to a preset business personnel end, and after receiving the exchange service completion information returned by the business personnel end, a foreign currency exchange receipt solution is generated for the target user according to the exchange service completion information.

[0089] 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. The preset business personnel end 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 dedicated business personnel. This port usually includes a management interface where 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 solution for the target user to use for foreign currency exchange based on the exchange business completion information.

[0090] In an embodiment of the present invention, the foreign currency exchange receipt solution refers to a formal record document or certificate 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 proof of the transaction.

[0091] In an embodiment of the present invention, the scheme for generating a foreign currency exchange receipt for a target user based on the exchange service completion information includes:

[0092] Extracting the foreign currency transaction field and identity field of the target user according to the exchange business completion information;

[0093] Determine the transaction content through the foreign currency transaction field, and determine the identity information through the identity field;

[0094] Generate a transaction details table according to the transaction fields and the transaction contents corresponding to the transaction fields;

[0095] Generate an identity details table according to the identity field and the identity information corresponding to the identity field;

[0096] The transaction details table and the identity details table are spliced ​​together to obtain a foreign currency exchange receipt solution.

[0097] 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 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.

[0098] 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 to clearly and transparently display the transaction content. The identity details table will record the user's basic identity information based on the information extracted from the identity field. These two tables are merged and spliced ​​into the final foreign currency exchange receipt solution, thereby providing a complete and clear foreign currency exchange record.

[0099] For example, 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 / 2024 xx:xx, exchange amount: 1000 USD, exchange rate: 1 USD = 7.2 CNY, transaction type: purchase of foreign currency, handling fee: 10 CNY, transaction status: successfully completed, thereby generating a foreign currency exchange receipt plan based on the identity details table and the transaction details table.

[0100] 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 and the foreign currency exchange needs to be performed again.

[0101] In an embodiment of the present invention, after generating the foreign currency exchange receipt scheme for the target user according to the exchange service completion information, the method further includes:

[0102] After generating a foreign currency exchange receipt plan, check whether there is a preset target exchange request;

[0103] When the target redemption request exists, returning to the step of performing multi-polling verification on the target user according to the verification condition until no target redemption request is detected;

[0104] 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.

[0105] In detail, the target exchange request refers to the request that the target user needs to make another foreign currency exchange after completing the foreign currency exchange. If the target exchange request is detected, the system will return and perform multiple polling verifications 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 certificate, 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.

[0106] In addition, the cash box count will be cleared, that is, the machine will be cleared for management, and when the exchange amount is insufficient during foreign currency exchange, the cash will be added. 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 addition number input interface, enter the amount in the amount input screen, and send the 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.

[0107] 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 verification conditions, the user's identity information, historical behavior, etc. can be used to confirm whether they meet 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 certificate, ensuring the traceability of the transaction process.

[0108] It should be understood that the size of the serial numbers of the steps in the above embodiments does not 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 embodiments of the present invention.

[0109] In one embodiment, a foreign currency exchange scheme analysis device is provided, which corresponds 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:

[0110] Identity extraction module 101, for receiving a foreign currency exchange request from a target user, extracting the target user's identity according to the foreign currency exchange request;

[0111] 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;

[0112] A multi-polling verification module 103 is configured to perform multi-polling verification on the target user according to the verification condition;

[0113] The foreign currency exchange receipt solution generation 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 solution for the target user according to the exchange business completion information.

[0114] In one embodiment, the identity extraction module 101, when extracting the identity of the target user according to the foreign currency exchange request, is configured to:

[0115] Parsing the request parameters in the foreign currency exchange request to obtain a request parameter field;

[0116] Identify the unique identification information corresponding to the target user in the request parameter field;

[0117] Extract identification data corresponding to the unique identification information, and determine the identity of the target user based on the identification data.

[0118] In one embodiment, the verification condition matching module 102, when performing the matching of the verification condition of the target user according to the foreign currency exchange request and the identity identifier, is configured to:

[0119] Matching the identity identifier with the matching rules in the pre-acquired identity authentication mapping table to obtain the identity authentication conditions of the target user;

[0120] Extracting exchange parameters in the foreign currency exchange request according to preset exchange attributes;

[0121] Matching the exchange parameters with pre-acquired foreign currency exchange rules to obtain the foreign currency exchange verification conditions of the target user;

[0122] The identity verification condition and the foreign currency exchange verification condition are determined as verification conditions for the target user.

[0123] In one embodiment, the multi-polling verification module 103, when performing multi-polling verification on the target user according to the verification condition, is configured to:

[0124] authenticating the target user according to the identity authentication condition in the verification condition;

[0125] After the identity verification is passed, verifying whether the target user's foreign currency exchange requirements meet the foreign currency exchange attributes in the foreign currency exchange device according to the foreign currency exchange verification conditions in the verification conditions;

[0126] When the foreign currency exchange attributes in the foreign currency exchange device are met, extracting the currency value data of the target user and performing authenticity verification on the currency value data;

[0127] When the currency value data passes verification, the foreign currency exchange demand is updated according to the currency value data to obtain an updated foreign currency exchange demand;

[0128] After receiving the updated foreign currency exchange demand, the verification result of the multi-polling verification is determined as verification passed.

[0129] In one embodiment, the multi-polling verification module 103, when verifying whether the target user's foreign currency exchange demand satisfies the foreign currency exchange attributes in the foreign currency exchange device according to the foreign currency exchange verification condition in the verification condition, is further configured to:

[0130] Extracting the transaction type and foreign currency exchange attributes from the exchange parameters;

[0131] Extracting the foreign currency exchange amount and foreign currency exchange type in the foreign currency exchange demand according to the foreign currency exchange attribute;

[0132] Extracting the target exchange amount and target exchange type in the foreign currency exchange attributes according to the foreign currency exchange verification condition;

[0133] Comparing the foreign currency exchange amount with the target exchange amount to obtain a first comparison result;

[0134] Comparing the foreign currency exchange type with the target exchange type to obtain a second comparison result;

[0135] A foreign currency attribute verification result is determined according to the first comparison result and the second comparison result.

[0136] In one embodiment, the foreign currency exchange receipt solution generating module 104 generates a foreign currency exchange receipt solution for the target user based on the exchange service completion information, and is used to:

[0137] Extracting the foreign currency transaction field and identity field of the target user according to the exchange business completion information;

[0138] Determine the transaction content through the foreign currency transaction field, and determine the identity information through the identity field;

[0139] Generate a transaction details table according to the transaction fields and the transaction contents corresponding to the transaction fields;

[0140] Generate an identity details table according to the identity field and the identity information corresponding to the identity field;

[0141] The transaction details table and the identity details table are spliced ​​together to obtain a foreign currency exchange receipt solution.

[0142] In one embodiment, after generating the foreign currency exchange receipt solution for the target user based on the exchange service completion information, the foreign currency exchange receipt solution generating module 104 is further configured to:

[0143] After generating a foreign currency exchange receipt plan, check whether there is a preset target exchange request;

[0144] When the target redemption request exists, returning to the step of performing multi-polling verification on the target user according to the verification condition until no target redemption request is detected;

[0145] 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.

[0146] 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; 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 the completion of the exchange operation, the system generates a receipt scheme to ensure that the user obtains a formal transaction voucher, thereby ensuring the traceability of the transaction process.

[0147] The specific limitations of the foreign exchange solution analysis device can be found in the limitations of the intelligent question-answering method described above and will not be further elaborated here. Each module in the aforementioned foreign exchange solution analysis device may be implemented in whole or in part through software, hardware, or a combination thereof. Each of these modules may be embedded in or independent of a processor in a computer device in hardware form, or may be stored in a computer device memory in software form, so that the processor can call and execute the corresponding operations of each of these modules.

[0148] 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, memory, a network interface, and a database connected via a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes non-volatile and / or volatile storage media and 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 computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external client via a network connection. When executed by the processor, the computer program implements the functions or steps on the server side of a foreign currency exchange solution analysis method.

[0149] 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, memory, a network interface, a display screen, and an input device connected via a system bus. 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 computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external server via a network connection. When executed by the processor, the computer program implements the client-side functions or steps of a foreign currency exchange solution analysis method.

[0150] 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. When the processor executes the computer program, the following steps are performed:

[0151] 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;

[0152] matching the verification condition of the target user according to the foreign currency exchange request and the identity identifier;

[0153] Performing multi-polling verification on the target user according to the verification condition;

[0154] 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.

[0155] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the following steps are implemented:

[0156] 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;

[0157] matching the verification condition of the target user according to the foreign currency exchange request and the identity identifier;

[0158] Performing multi-polling verification on the target user according to the verification condition;

[0159] 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.

[0160] It should be noted that the above functions or steps that can be implemented by the computer-readable storage medium or computer device can be found in the relevant descriptions of the server side and the client side in the aforementioned method embodiment. To avoid repetition, they will not be described one by one here.

[0161] Those skilled in the art will understand that all or part of the processes in the above-mentioned embodiments can be implemented by instructing the relevant hardware through a computer program. 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 DRAM (SLDRAM), Rambus direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), etc.

[0162] Those skilled in the art will clearly understand that for the sake of convenience and brevity 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.

[0163] The above-described embodiments are only used to illustrate the technical solutions of the present invention, rather than to limit the same. If any software tools or components other than those of the company appear in the application embodiments, they are merely used for illustration and do not represent actual use. Although the present invention has been described in detail with reference to the above-mentioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the above-mentioned embodiments, or make equivalent replacements for some of the technical features therein. However, these 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 scope of protection of the present invention.

Claims

1. A foreign currency exchange plan 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; Obtaining an identity authentication mapping table, matching the identity identifier with a matching rule in the identity authentication mapping table to obtain the identity authentication condition of the target user, and determining the foreign currency exchange verification condition of the target user based on the exchange parameters in the foreign currency exchange request; Performing hash value comparison and facial image recognition on the target user's identity information text according to the identity authentication condition to obtain a first verification result and a second verification result, respectively, including: filling the target user's identity information into a preset template information text to generate an identity information text, calculating a first hash value corresponding to the identity information text, sending the first hash value to a 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, comparing the first hash value with the standard hash value to obtain the first verification result, extracting facial features corresponding to the facial image of the target user, 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 features according to the feature matching degree, determining a target facial feature in the facial feature template according to the feature change trend, and comparing the facial features with the target facial features to obtain the second verification result; When the first verification result and the second verification result are verified to be successful, determining that the identity authentication condition verification is successful; After the identity verification condition is passed, the target user's foreign currency exchange demand is sequentially checked according to the foreign currency exchange verification condition to determine whether it meets the foreign currency exchange attributes in the foreign currency exchange device and the authenticity of the currency value data of the target user, thereby obtaining a verification result of the multi-polling verification; 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 plan analysis method according to claim 1, characterized in that: The 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 a request parameter field; Identify the unique identification information corresponding to the target user in the request parameter field; Extract identification data corresponding to the unique identification information, and determine the identity of the target user based on the identification data.

3. The foreign currency exchange plan analysis method according to claim 1, characterized in that: The determining of the foreign currency exchange verification condition of the target user according to the exchange parameters in the foreign currency exchange request includes: Extracting exchange parameters in the foreign currency exchange request according to preset exchange attributes; The exchange parameters are matched with pre-acquired foreign currency exchange rules to obtain the foreign currency exchange verification conditions of the target user.

4. The foreign currency exchange plan analysis method according to claim 1, wherein: The step of sequentially checking, based on the foreign currency exchange verification conditions, whether the foreign currency exchange requirements of the target user meet the foreign currency exchange attributes in the foreign currency exchange device and the authenticity of the currency value data of the target user, and obtaining a verification result of the multi-polling verification includes: Verifying whether the target user's foreign currency exchange requirements meet the foreign currency exchange attributes in the foreign currency exchange device according to the foreign currency exchange verification condition in the verification condition; When the foreign currency exchange attributes in the foreign currency exchange device are met, extracting the currency value data of the target user and performing authenticity verification on the currency value data; When the currency value data passes verification, 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 plan analysis method according to claim 4, characterized in that: The verifying, according to the foreign currency exchange verification condition in the verification condition, whether the foreign currency exchange demand of the target user satisfies the foreign currency exchange attribute in the foreign currency exchange device includes: Extracting the transaction type and foreign currency exchange attributes from the exchange parameters; Extracting the foreign currency exchange amount and 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 attributes 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 plan analysis method according to claim 1, wherein: The scheme for generating a foreign currency exchange receipt for a target user based on 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 plan 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 redemption request exists, returning to the step of performing multi-polling verification on the target user according to the verification condition until no target redemption request is 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, configured 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, configured to obtain an identity authentication mapping table, match the identity identifier with a matching rule in the identity authentication mapping table, obtain the identity authentication condition of the target user, and determine the foreign currency exchange verification condition of the target user based on the exchange parameters in the foreign currency exchange request; A multi-polling verification module is used to perform hash value comparison and facial image recognition of the target user's identity information text according to the identity authentication conditions to obtain a first verification result and a second verification result, respectively, including: filling the target user's identity information into a preset template information text to generate an identity information text, calculating a first hash value corresponding to the identity information text, sending the first hash value to a 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 conditions, comparing the first hash value with the standard hash value to obtain the first verification result, extracting facial features corresponding to the facial image of the target user, 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 features according to the feature matching degree, determining a target facial feature in the facial feature template according to the feature change trend, and comparing the facial features with the target facial features to obtain the second verification result; The multi-polling verification module is further configured to determine that the identity authentication condition verification is passed when the first verification result and the second verification result are verified to be passed; The multi-polling verification module is further configured to, after the identity verification condition is passed, sequentially verify whether the target user's foreign currency exchange demand satisfies the foreign currency exchange attributes in the foreign currency exchange device and the authenticity of the target user's currency value data according to the foreign currency exchange verification condition, thereby obtaining a verification result of the multi-polling verification; The foreign currency exchange receipt scheme generation 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 a 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, wherein: When the processor executes the computer program, the foreign currency exchange scenario 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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