Resource processing method and device, computer readable medium and electronic equipment

Abstract

The invention discloses a resource processing method and device, a computer readable medium and electronic equipment, and the method comprises the steps: obtaining a conversion rate query request which is used for querying a conversion rate between a first resource and a second resource; acquiring a reference conversion rate between the first resource and the second resource from a resource conversion service provider according to the conversion rate query request; acquiring conversion rate adjustment information from a conversion rate adjustment system according to the conversion rate query request, wherein the conversion rate adjustment information represents that the conversion rate between the first resource and the second resource is increased or decreased; and generating a target resource conversion rate between the first resource and the second resource according to the reference conversion rate and the conversion rate adjustment information. According to the technical scheme, the conversion rate adjustment information can cover the change condition of the reference conversion rate provided by the resource conversion service provider, so that the resource conversion operation can be suitable for more scenes.

Description

Technical Field

[0001] This application belongs to the field of computer technology, and particularly relates to a resource processing method, apparatus, computer-readable medium, and electronic device. Background Art

[0002] The resource conversion platform can provide resource conversion operations for demanders, eliminating the complex operations between demanders and resource providers, and thus has been vigorously developed. In the resource conversion operation based on the resource conversion platform, the resource conversion platform first queries the resource conversion rate from the resource provider, and then performs resource conversion with the demander according to the queried resource conversion rate. Subsequently, the resource conversion platform performs resource conversion with the resource provider again to convert the resources obtained from the conversion with the demander into the resources required by the platform itself.

[0003] It can be seen that in the resource conversion process of the resource conversion platform, the resource conversion rate is directly queried from the resource provider. However, in actual situations, the resource conversion rate often changes. Performing conversion operations only based on the queried resource conversion rate is likely to be applicable only to specific business scenarios, thus limiting the applicable scenarios of resource conversion operations. Summary of the Invention

[0004] The purpose of this application is to provide a resource processing method, apparatus, computer-readable medium, and electronic device to make resource conversion operations applicable to more business scenarios.

[0005] Other features and advantages of this application will become apparent through the following detailed description, or will be partially learned through the practice of this application.

[0006] According to one aspect of the embodiments of this application, a resource processing method is provided, including:

[0007] Obtain a conversion rate query request for querying the conversion rate between a first resource and a second resource;

[0008] According to the conversion rate query request, obtain the benchmark conversion rate between the first resource and the second resource from the resource conversion service provider;

[0009] Obtain conversion rate adjustment information from the conversion rate adjustment system according to the conversion rate query request, where the conversion rate adjustment information indicates an increase or decrease in the conversion rate between the first resource and the second resource;

[0010] Generate the target resource conversion rate between the first resource and the second resource according to the benchmark conversion rate and the conversion rate adjustment information.

[0011] According to one aspect of the embodiments of this application, a resource processing apparatus is provided, including:

[0012] A query request acquisition module, configured to acquire a conversion rate query request for querying the conversion rate between a first resource and a second resource;

[0013] A benchmark conversion rate acquisition module, configured to acquire, from a resource conversion service provider, the benchmark conversion rate between the first resource and the second resource according to the conversion rate query request;

[0014] An adjustment information acquisition module, configured to acquire conversion rate adjustment information from a conversion rate adjustment system according to the conversion rate query request, where the conversion rate adjustment information indicates an increase or decrease in the conversion rate between the first resource and the second resource;

[0015] A target conversion rate acquisition module, configured to generate a target resource conversion rate between the first resource and the second resource according to the benchmark conversion rate and the conversion rate adjustment information.

[0016] In an embodiment of the present application, the benchmark conversion rate acquisition module is specifically configured to:

[0017] According to the conversion rate query request, acquire the conversion rates provided by at least one resource conversion service provider for converting the first resource and the second resource;

[0018] Perform statistical processing on the conversion rates provided by the at least one resource conversion service provider to obtain the benchmark conversion rate between the first resource and the second resource.

[0019] In an embodiment of the present application, the benchmark conversion rate acquisition module is specifically configured to:

[0020] According to the first resource identifier and the second resource identifier included in the conversion rate query request, initiate a provider conversion rate query request to multiple resource conversion service providers;

[0021] Store the conversion rates fed back by the multiple resource conversion service providers based on the provider conversion rate query request into a message queue;

[0022] Based on the first-in, first-out principle, acquire the conversion rates provided by at least one resource conversion service provider from the message queue.

[0023] In an embodiment of the present application, there are multiple resource conversion service providers; the benchmark conversion rate acquisition module is specifically configured to:

[0024] Take the average value of the conversion rates provided by the multiple resource conversion service providers as the benchmark conversion rate between the first resource and the second resource; or

[0025] Determine the maximum and minimum of the conversion rates provided by multiple resource conversion service providers, use the conversion rates provided by the resource conversion service providers between the maximum and the minimum as the target conversion rates, and use the average of the multiple target conversion rates as the benchmark conversion rate between the first resource and the second resource.

[0026] In an embodiment of the present application, the benchmark conversion rate acquisition module is specifically configured to:

[0027] Obtain the service provider conversion rates between various resources from the message queue; the message queue is used to store the service provider conversion rates provided by at least one resource conversion service provider;

[0028] Calculate the benchmark conversion rates between various resources according to the service provider conversion rates between various resources, and store the benchmark conversion rates between various resources;

[0029] According to the first resource identifier and the second resource identifier included in the conversion rate query request, obtain the benchmark conversion rate between the first resource and the second resource from the stored benchmark conversion rates between various resources.

[0030] In an embodiment of the present application, the adjustment information acquisition module is specifically configured to:

[0031] Query the adjustment system list according to the conversion rate query request to determine the conversion rate adjustment system associated with the conversion rate query request;

[0032] Generate a resource conversion rate query sub-request according to the conversion rate query request, and send the resource conversion rate query sub-request to the conversion rate adjustment system associated with the conversion rate query request;

[0033] Receive the conversion rate adjustment information returned by the conversion rate adjustment system based on the resource conversion rate query sub-request.

[0034] In an embodiment of the present application, the adjustment information acquisition module is specifically configured to:

[0035] Determine the communication template used by the conversion rate adjustment system according to the adjustment system list;

[0036] Generate a resource conversion rate query sub-request in the first data format according to the conversion rate query request and the communication template;

[0037] Receive the conversion rate adjustment information feedback by the conversion rate adjustment system based on the resource conversion rate query sub-request, including:

[0038] Receive the conversion rate adjustment information in the second data format feedback by the conversion rate adjustment system based on the resource conversion rate query sub-request and the communication template.

[0039] In one embodiment of the present application, the target conversion rate acquisition module includes:

[0040] An information quality detection unit, configured to detect the information quality of the conversion rate adjustment information according to the conversion rate adjustment information;

[0041] A target conversion rate generation unit, configured to generate a target resource conversion rate between the first resource and the second resource according to the reference conversion rate and the conversion rate adjustment information when the information quality of the conversion rate adjustment information is qualified.

[0042] In one embodiment of the present application, the information quality detection unit is specifically configured to:

[0043] Calculate the response duration of the conversion rate adjustment system according to the acquisition time of the conversion rate adjustment information;

[0044] When the response duration of the conversion rate adjustment system is greater than a preset duration threshold, determine that the information quality of the conversion rate adjustment information is unqualified;

[0045] When the response duration of the conversion rate adjustment system is less than a preset duration threshold, determine that the information quality of the conversion rate adjustment information is qualified.

[0046] In one embodiment of the present application, the information quality detection unit is specifically configured to:

[0047] When the conversion rate adjustment value included in the conversion rate adjustment information exceeds the conversion rate adjustment threshold, determine that the information quality of the conversion rate adjustment information is unqualified;

[0048] When the conversion rate adjustment value included in the conversion rate adjustment information does not exceed the conversion rate adjustment threshold, determine that the information quality of the conversion rate adjustment information is qualified.

[0049] In one embodiment of the present application, the information quality detection unit is specifically configured to:

[0050] When the conversion rate increase value indicating an increase in the conversion rate between the first resource and the second resource in the conversion rate adjustment information is greater than a first preset threshold, or when the conversion rate decrease value indicating a decrease in the conversion rate between the first resource and the second resource in the conversion rate adjustment information is greater than a second preset threshold, determine that the conversion rate adjustment value included in the conversion rate adjustment information exceeds the conversion rate adjustment threshold;

[0051] When the conversion rate adjustment information indicates that the conversion rate increase value for increasing the conversion rate between the first resource and the second resource is less than a first preset threshold, or when the conversion rate adjustment information indicates that the conversion rate decrease value for decreasing the conversion rate between the first resource and the second resource is less than a second preset threshold, it is determined that the conversion rate adjustment value included in the conversion rate adjustment information does not exceed the conversion rate adjustment threshold.

[0052] In an embodiment of the present application, the target conversion rate acquisition module is specifically configured to:

[0053] If the conversion rate adjustment information indicates an increase in the conversion rate between the first resource and the second resource, then use the sum of a preset adjustment value and the conversion rate increase value indicated by the conversion rate adjustment information as the target adjustment value;

[0054] If the conversion rate adjustment information indicates a decrease in the conversion rate between the first resource and the second resource, then use the difference between a preset adjustment value and the conversion rate decrease value indicated by the conversion rate adjustment information as the target adjustment value;

[0055] Use the product of the reference conversion rate and the target adjustment value as the target resource conversion rate between the first resource and the second resource.

[0056] According to one aspect of the embodiments of the present application, there is provided a computer-readable medium having a computer program stored thereon, and when the computer program is executed by a processor, it implements the resource processing method in the above technical solution.

[0057] According to one aspect of the embodiments of the present application, there is provided an electronic device, which includes: a processor; and a memory for storing executable instructions of the processor; wherein, when the processor executes the executable instructions, the electronic device executes the resource processing method in the above technical solution.

[0058] According to one aspect of the embodiments of the present application, there is provided a computer program product or a computer program, which includes computer instructions stored in a computer-readable storage medium. A processor of a computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device executes the resource processing method in the above technical solution.

[0059] In the technical solution provided by the embodiment of the present application, first obtain a conversion rate query request, which is used to query the conversion rate between a first resource and a second resource; then obtain the benchmark conversion rate between the first resource and the second resource from a resource conversion service provider according to the conversion rate query request; at the same time, obtain conversion rate adjustment information from a conversion rate adjustment system according to the conversion rate query request, and the conversion rate adjustment information indicates an increase or decrease in the conversion rate between the first resource and the second resource; finally, generate the target resource conversion rate between the first resource and the second resource according to the benchmark conversion rate and the conversion rate adjustment information. Through this solution, the conversion rate adjustment information provided by the conversion rate adjustment system can be used to adjust the benchmark conversion rate provided by the resource conversion service provider to generate the target resource conversion rate, so that the subsequent resource conversion process can be implemented based on the target resource conversion rate, rather than performing resource conversion according to the benchmark conversion rate directly provided by the resource conversion service provider. The conversion rate adjustment information can cover the changes in the benchmark conversion rate provided by the resource conversion service provider, so that the resource conversion operation can be applied to more scenarios, and the resource consumption in the resource conversion process can also be reduced; on the other hand, the number of conversion rate adjustment systems can be set according to actual business needs, and the change of the conversion rate adjustment system will not affect the process of obtaining the benchmark change rate from the resource conversion service provider, so that the benchmark conversion rate and the conversion rate adjustment information are loosely coupled, effectively ensuring the stable acquisition of the benchmark conversion rate, and at the same time, the conversion rate adjustment information can also be modified based on the expansion and change of the business scenario, which is beneficial to the dual development of system stability and business scenario expansion.

[0060] It should be understood that the above general description and the following detailed description are only exemplary and explanatory, and cannot limit the present application. Brief Description of the Drawings

[0061] The accompanying drawings here are incorporated into the specification and constitute a part of this specification, showing the embodiments consistent with the present application, and are used together with the specification to explain the principles of the present application. Obviously, the accompanying drawings in the following description are only some embodiments of the present application, and those of ordinary skill in the art can also obtain other drawings without creative efforts based on these drawings.

[0062] Figure 1 Schematically shows an exemplary system architecture block diagram applying the technical solution of the present application.

[0063] Figure 2 Schematically shows the system architecture block diagram of a resource conversion platform provided by an embodiment of the present application.

[0064] Figure 3 Schematically shows the flowchart of a resource processing method provided by an embodiment of the present application.

[0065] Figure 4 Schematically shows a flowchart of a resource processing method provided by an embodiment of the present application.

[0066] Figure 5 Schematically shows a block diagram of the core system of a resource conversion platform provided by an embodiment of the present application.

[0067] Figure 6 Schematically shows a flowchart of a resource processing method provided by an embodiment of the present application.

[0068] Figure 7 Schematically shows a schematic diagram of a resource processing method provided by an embodiment of the present application.

[0069] Figure 8 Schematically shows a block diagram of a resource processing device provided by an embodiment of the present application.

[0070] Figure 9 Schematically shows a block diagram of a computer system of an electronic device suitable for implementing an embodiment of the present application. Detailed implementation manners

[0071] Example embodiments will now be described more fully with reference to the accompanying drawings. However, the example embodiments can be implemented in various forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this application will be more complete and comprehensive, and will fully convey the concept of the example embodiments to those skilled in the art.

[0072] In the embodiments of the present application, the term "module" or "unit" refers to a computer program with a predetermined function or a part of a computer program, which works together with other related parts to achieve a predetermined goal, and can be implemented in whole or in part by using software, hardware (such as a processing circuit or a memory), or a combination thereof. Similarly, a processor (or multiple processors or memories) can be used to implement one or more modules or units. In addition, each module or unit can be a part of an overall module or unit that includes the function of that module or unit.

[0073] In addition, the described features, structures, or characteristics can be combined in any suitable manner in one or more embodiments. In the following description, many specific details are provided to give a thorough understanding of the embodiments of the present application. However, those skilled in the art will realize that the technical solutions of the present application can be practiced without one or more of the specific details, or other methods, components, devices, steps, etc. can be adopted. In other cases, well-known methods, devices, implementations, or operations are not shown or described in detail to avoid obscuring various aspects of the present application.

[0074] The block diagrams shown in the accompanying drawings are merely functional entities and do not necessarily correspond to physically independent entities. That is, these functional entities may be implemented in software form, or in one or more hardware modules or integrated circuits, or in different networks and / or processor devices and / or microcontroller devices.

[0075] The flowcharts shown in the accompanying drawings are only exemplary and do not necessarily include all the contents and operations / steps, nor must they be executed in the order described. For example, some operations / steps can be decomposed, and some operations / steps can be combined or partially combined, so the actual execution order may change according to actual conditions.

[0076] It is understandable that in the specific implementation of this application, relevant data is involved. When the above embodiments of this application are applied to specific products or technologies, user permission or consent is required, and the collection, use and processing of relevant data need to comply with relevant laws, regulations and standards of relevant countries and regions.

[0077] The technical solution of the present application is applied in a resource conversion platform that provides resource conversion services, and is specifically applied in a scenario where a resource conversion rate is provided to a requester. The scenario can be a scenario where the requester queries the resource conversion platform for the corresponding resource conversion rate before performing a resource conversion operation, or a scenario where the resource conversion platform automatically feeds back the resource conversion rate during the resource conversion process of the requester; the requester can refer to a terminal device that initiates a request, or a user that initiates a request. The resource conversion platform that provides resource conversion services will set the resource conversion rate used when providing resource conversion services to the requester according to the resource conversion rate provided by a third-party platform such as a resource conversion service provider, and the requester completes the resource conversion operation with the resource conversion platform according to the resource conversion rate. The resource conversion platform can perform a resource conversion operation with the resource conversion service provider based on the resources obtained by the resource conversion between itself and the requester to obtain the resources it needs. In this process, after the resource conversion platform obtains the resource conversion rate from the resource conversion service provider, it usually directly performs a resource conversion operation with the requester using the resource conversion rate obtained. However, with the development of business and the increase of business complexity, different business scenarios have different requirements for resource conversion rates. It is difficult to apply the ever-changing business scenarios to convert only the directly obtained resource conversion rate, which limits the expansion of business scenarios for resource conversion operations. Based on this, the embodiment of the present application proposes a resource processing method that can make the resource conversion operation applicable to more business scenarios. The technical solution of the present application is described in detail below.

[0078] Figure 1 The exemplary system architecture block diagram applying the technical solution of the present application is schematically shown.

[0079] As Figure 1 shown, the system architecture 100 may include a terminal device 110, a network 120, and a server 130. The terminal device 110 may include a smart phone, a tablet computer, a laptop computer, a smart voice interaction device, a smart home appliance, a vehicle-mounted terminal, an aircraft, and so on. The server 130 may be a server that provides various services. It may be an independent physical server, or a server cluster or a distributed system composed of multiple physical servers. It may also be a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN (Content Delivery Network), and big data and artificial intelligence platforms. The network 120 may be a communication medium of various connection types that can provide a communication link between the terminal device 110 and the server 130. For example, it may be a wired communication link or a wireless communication link.

[0080] According to the implementation requirements, the system architecture in the embodiments of the present application may have any number of terminal devices, networks, and servers. For example, the server 130 may be a server group composed of multiple server devices. In addition, the technical solutions provided in the embodiments of the present application may be applied to the terminal device 110, or may be applied to the server 130, or may be jointly implemented by the terminal device 110 and the server 130. The present application does not make special limitations on this.

[0081] In an embodiment of the present application, the server 130 is a server of the resource conversion platform, and the terminal device 110 can perform operations such as resource conversion rate query and resource conversion service on the server 130 through the network 120. For example, a client of the resource conversion platform is installed on the terminal device 110, and the user can perform operations such as resource conversion rate query and resource conversion service on the resource conversion platform by operating the client. Exemplarily, the user selects a first resource and a second resource through the client and queries the conversion rate between the two resources. The terminal device 110 where the client is located sends a conversion rate query request to the server 130 of the resource conversion platform through the network 120, and the server 130 obtains the conversion rate query request. Then, the server 130 obtains the benchmark conversion rate between the first resource and the second resource from the resource conversion service provider according to the conversion rate query request. Next, the server 130 obtains conversion rate adjustment information from the conversion rate adjustment system according to the conversion rate query request. The conversion rate adjustment information indicates an increase or decrease in the conversion rate between the first resource and the second resource. The conversion rate adjustment system can be a system built within the resource conversion platform for adjusting the resource conversion rate. Finally, the server 130 generates the target resource conversion rate between the first resource and the second resource according to the benchmark conversion rate and the conversion rate adjustment information. The server 130 can send the target resource conversion rate to the terminal device 110 through the network 120, and the user learns the target resource conversion rate through the client on the terminal device 110.

[0082] In an embodiment of the present application, Figure 2 Schematically shows a system architecture block diagram of a resource conversion platform provided by an embodiment of the present application. As Figure 2 shown, the resource conversion platform is designed with a microkernel architecture (Microkernel Architecture) and includes a core system and a plugin system. The core system is used to perform the primary responsibilities (i.e., core functions) of the resource conversion platform. The core system is used to obtain a conversion rate query request, obtain the benchmark conversion rate between resources from the resource conversion service provider according to the conversion rate query request, that is, the core system is connected to the resource conversion service provider, obtains the conversion rate between resources from the resource conversion service provider, and generates a benchmark conversion rate based on this.

[0083] The plug-in system is the conversion rate adjustment system in the technical solution of this application. The resource conversion platform may include multiple plug-in systems, and each plug-in system is connected to the core system. The plug-in system is used to evaluate and adjust the benchmark conversion rate according to the business data in the specified business scenario to determine whether to increase or decrease the benchmark conversion rate. For example, the plug-in system can evaluate and adjust the benchmark conversion rate based on the current exposure risk to generate the same conversion rate adjustment information; the plug-in system can give corresponding conversion rate adjustment information based on the types of conversion resources involved in the resource conversion rate; the plug-in system can also give corresponding conversion rate adjustment information based on the quantity of resource conversion involved in the resource conversion operation.

[0084] The core system includes three sub-modules: core function, plug-in management, and plug-in communication. The core function is to obtain the conversion rate between resources from the resource conversion service provider and generate the benchmark conversion rate accordingly. Plug-in management refers to managing each plug-in system connected to the core system. For example, managing the connection status of the plug-in system (connected or not connected), determining which plug-in systems are available currently, how to load these plug-in systems, and when to load the plug-in systems, etc. The plug-in management function can be implemented through a plug-in registry, and information such as the name, location, and loading time of each plug-in system (such as whether to load the plug-in system when the resource management platform starts or according to actual business needs) can be recorded in the plug-in registry. The plug-in registry can be implemented through configuration files, code, databases, or other means. Plug-in communication is mainly responsible for the information interaction (i.e., data transmission) between the core system and each plug-in system, and can manage the communication specifications, communication data formats, etc. used between the plug-in system and the core system.

[0085] The following makes a detailed description of the resource processing method provided by this application in combination with specific implementation manners.

[0086] Figure 3 Schematically shows a flowchart of the resource processing method provided by an embodiment of this application. In this embodiment, the resource conversion platform is used as the execution subject to illustrate the specific execution process of the method. As Figure 3 shown, the resource processing method provided by the embodiment of this application includes steps 310 to 340, which are specifically as follows:

[0087] Step 310, obtain a conversion rate query request, where the conversion rate query request is used to query the conversion rate between the first resource and the second resource.

[0088] Specifically, the conversion rate query request is a request to query the conversion ratio between two different resources. The conversion rate query request is sent by the terminal to the resource conversion platform or can be automatically generated by the resource conversion platform based on business requirements.

[0089] In one embodiment of the present application, the conversion rate query request includes a first resource identifier and a second resource identifier. The resource identifier is an identifier used to uniquely identify the type of resource. In some cases, the conversion rate query request further includes the conversion direction between the two resources. That is, if the two resources involved in the conversion rate query request are respectively denoted as the first resource and the second resource, the conversion rate query request needs to indicate whether it is to convert the first resource into the second resource or convert the second resource into the first resource. For example, converting the first resource into the second resource can be denoted as the positive direction of resource conversion, then converting the second resource into the first resource becomes the negative direction of resource conversion. In some cases, the conversion rate query request further includes the quantity involved in the resource conversion. For example, when converting the first resource into the second resource, the quantity of the first resource is 1000 units, and the quantity of the second resource can be calculated subsequently based on the target resource conversion rate and the quantity of the first resource.

[0090] In one embodiment of the present application, the resource conversion platform can support direct conversion between multiple different resources. The resource conversion platform can also use a target resource as an intermediate resource. When the two resources involved in the resource conversion do not include the target resource, that is, both the first resource and the second resource are not the target resource, the resource conversion platform needs to convert the first resource and the second resource respectively with the target resource to achieve the final resource conversion operation.

[0091] Step 320: Obtain the benchmark conversion rate between the first resource and the second resource from the resource conversion service provider according to the conversion rate query request.

[0092] Specifically, the resource conversion service provider refers to the service provider that actually provides the resource conversion operation, such as a banking institution. After obtaining the conversion rate query request, the resource conversion platform needs to obtain the benchmark conversion rate between the resources involved in the query request from the resource conversion service provider. The benchmark conversion rate refers to the conversion rate between the first resource and the second resource queried from the resource conversion service provider.

[0093] In one embodiment of the present application, the resource conversion service provider may provide conversion rates between multiple different resources. When the resource conversion platform obtains the benchmark conversion rate between the first resource and the second resource from the resource conversion service provider, it may provide the first resource identifier and the second resource identifier to the resource conversion service provider, so that the resource conversion service provider can determine which two resources' conversion rate should be provided specifically. In some cases, the resource conversion platform may also provide the conversion direction between the first resource and the second resource to the resource conversion service provider, so that the resource conversion service provider can feedback more accurate conversion rate data. In some cases, if the resource conversion platform does not provide the conversion direction between the first resource and the second resource to the resource conversion service provider, then the resource conversion service provider may feedback the conversion rate from the first resource to the second resource and the conversion rate from the second resource to the first resource to the resource conversion platform for the resource conversion platform to selectively use.

[0094] In one embodiment of the present application, the resource conversion platform may be connected to at least one resource conversion service provider, and thus may obtain the conversion rates provided by at least one resource conversion service provider. The conversion rate involved here refers to the conversion rate between the first resource and the second resource. After the resource conversion platform obtains the conversion rates provided by at least one resource conversion service provider, it may select one of them as the benchmark conversion rate. It can be understood that when the resource conversion platform is only connected to one resource conversion service provider, the conversion rate feedback by this resource conversion service provider can be directly used as the benchmark conversion rate. When the resource conversion platform is only connected to multiple resource conversion service providers, the maximum conversion rate, the minimum conversion rate or the intermediate value of the conversion rates can be selected from the conversion rates feedback by multiple resource conversion service providers as the benchmark conversion rate, or statistical results such as the mean value or the weighted mean value of the conversion rates feedback by multiple resource conversion service providers can be calculated as the benchmark conversion rate.

[0095] Step 330: Obtain conversion rate adjustment information from the conversion rate adjustment system according to the conversion rate query request. The conversion rate adjustment information indicates increasing or decreasing the conversion rate between the first resource and the second resource.

[0096] Specifically, the conversion rate adjustment system can be an adjustment system set inside the resource conversion platform or an external system connected to the resource conversion platform. The conversion rate adjustment system can output adjustment information on the conversion rate between the first resource and the second resource according to the set rules. For example, the conversion rate adjustment system can output different conversion rate adjustment information according to different types of resources involved in the resource conversion, the conversion rate adjustment system can output conversion rate adjustment information according to the exposure risk caused by the resource conversion operation, the conversion rate adjustment system can output different conversion rate adjustment information according to different requestors of the resource conversion operation, and the conversion rate adjustment system can output conversion rate adjustment information according to the fluctuation of the conversion rate provided by the resource conversion service provider. The conversion rate adjustment information indicates increasing or decreasing the conversion rate between the first resource and the second resource. For example, the conversion rate adjustment information can be to increase the conversion rate between the first resource and the second resource by 1%.

[0097] In an embodiment of the present application, there can be multiple conversion rate adjustment systems, so the resource conversion platform can obtain multiple conversion rate adjustment information, and the resource conversion platform can fuse the multiple conversion rate adjustment information to obtain the target adjustment information. For example, the resource conversion platform can use the mean value of the multiple conversion rate adjustment information as the target adjustment information, and the resource conversion platform can perform weighted summation on the multiple conversion rate adjustment information and then calculate the mean value to obtain the target adjustment information.

[0098] In an embodiment of the present application, when obtaining the conversion rate adjustment information on the conversion rate between the first resource and the second resource, the resource conversion platform can determine which conversion rate adjustment systems to obtain the conversion rate adjustment information from according to the preset configuration information, and the preset configuration information can be implemented in ways such as configuration files and tables. For example, the relationship between the conversion rate adjustment system and the resource conversion information can be recorded in the adjustment system list, and the resource conversion information includes the types of resources involved in the resource conversion operation, the resource conversion direction, the resource conversion requestor, etc. In short, by configuring the relationship between the conversion rate adjustment system and the resource conversion information, it is to obtain the corresponding conversion rate adjustment information according to the business scenario of the specific resource conversion operation. For example, some requestors are more sensitive to the change and fluctuation of the conversion rate provided by the resource conversion service provider, then the conversion rate query requests initiated by this part of the requestors should consider obtaining the conversion rate adjustment information output by the conversion rate adjustment system that detects the fluctuation of the conversion rate provided by the resource conversion service provider; for example, in some scenarios, the historical resource conversion operations of the requestor can reflect the operation risks in the resource conversion process, then in this scenario, the conversion rate query should consider obtaining the conversion rate adjustment information output by the conversion rate adjustment system that analyzes the historical resource conversion operations of the requestor.

[0099] Step 340: Generate the target resource conversion rate between the first resource and the second resource according to the benchmark conversion rate and the conversion rate adjustment information.

[0100] Specifically, after the benchmark conversion rate and the conversion rate adjustment information, the resource conversion platform can adjust the benchmark conversion rate according to the conversion rate adjustment information, and then obtain the target resource conversion rate between the first resource and the second resource. For example, the benchmark conversion rate for converting the first resource to the second resource is 10 (indicating that 10 units of the first resource can be converted into 1 unit of the second resource), and the conversion rate adjustment information is to increase by 1%, then the target resource conversion rate is 10.1. Subsequently, when receiving a request from the requester to perform resource conversion based on this target resource conversion rate operation, the conversion operation between the first resource and the second resource can be performed based on this target resource conversion rate.

[0101] In the technical solution provided by the embodiments of the present application, first, a conversion rate query request is obtained. The conversion rate query request is used to query the conversion rate between the first resource and the second resource. Then, according to the conversion rate query request, the benchmark conversion rate between the first resource and the second resource is obtained from the resource conversion service provider. At the same time, according to the conversion rate query request, the conversion rate adjustment information is obtained from the conversion rate adjustment system. The conversion rate adjustment information indicates an increase or decrease in the conversion rate between the first resource and the second resource. Finally, the target resource conversion rate between the first resource and the second resource is generated based on the benchmark conversion rate and the conversion rate adjustment information. Through this solution, the conversion rate adjustment information provided by the conversion rate adjustment system can be used to adjust the benchmark conversion rate provided by the resource conversion service provider to generate the target resource conversion rate, so that the subsequent resource conversion process can be realized based on the target resource conversion rate, rather than performing resource conversion according to the benchmark conversion rate directly provided by the resource conversion service provider. The conversion rate adjustment information can cover the changes in the benchmark conversion rate provided by the resource conversion service provider, so that the resource conversion operation can be applied to more scenarios, and the resource loss in the resource conversion process can also be reduced. On the other hand, the number of conversion rate adjustment systems can be set according to actual business needs. The change of the conversion rate adjustment system does not affect the process of obtaining the benchmark change rate from the resource conversion service provider, so that the benchmark conversion rate and the conversion rate adjustment information are loosely coupled, effectively ensuring the stable acquisition of the benchmark conversion rate. At the same time, the conversion rate adjustment information can also be modified based on the expansion and change of the business scenario, which is beneficial to the dual development of system stability and business scenario expansion.

[0102] Figure 4 Schematically shows a flowchart of a resource processing method provided by an embodiment of the present application. This embodiment is a further optimization of the above embodiment. As Figure 4 shown, the resource processing method provided by this embodiment includes steps 410 to step 490, which are specifically as follows:

[0103] Step 410: Obtain a conversion rate query request, which is used to query the conversion rate between a first resource and a second resource.

[0104] Specifically, step 410 is the same as step 310 in the foregoing embodiment, and will not be elaborated here.

[0105] Step 420: According to the first resource identifier and the second resource identifier included in the conversion rate query request, initiate a provider conversion rate query request to multiple resource conversion service providers.

[0106] In this embodiment, the resource conversion platform is connected to multiple resource conversion service providers. After obtaining the conversion rate query request, the resource conversion platform initiates a provider conversion rate query request to each resource conversion service provider based on the first resource identifier and the second resource identifier included in the conversion rate query request, so as to obtain the conversion rate between the first resource represented by the first resource identifier and the second resource represented by the second resource identifier from each resource conversion service provider. Optionally, the provider conversion rate query request initiated by the resource conversion platform to the resource conversion service provider may be the same as the conversion rate query request received by the resource conversion platform. The resource conversion platform may use the received conversion rate query request as the provider conversion rate query request and forward it to each resource conversion service provider. Optionally, the resource conversion platform may convert the communication format of the conversion rate query request it receives according to the communication specifications between itself and each resource conversion service provider to generate a provider conversion rate query request, and then send it to each resource conversion service provider.

[0107] Step 430: Store the conversion rates fed back by multiple resource conversion service providers based on the provider conversion rate query request into a message queue.

[0108] Specifically, after the resource conversion platform obtains the conversion rate fed back by the resource conversion service provider, it stores the conversion rate into the message queue. The message queue is a first-in-first-out queue-type data structure, that is, the data put into the message queue first is taken out first. The message queue can realize the decoupling between the message sender and the message receiver. In this embodiment, it can realize the decoupling between the resource conversion platform and the resource conversion service provider. After the resource conversion service provider sends the conversion rate to the message queue, it does not need to pay attention to the subsequent processing of the resource conversion platform, thus accelerating the response speed of the resource conversion service provider. At the same time, adding the conversion rate to the message queue can prevent multiple resource conversion service providers from feeding back to the resource conversion platform at the same time, thus avoiding chaos caused by the resource conversion platform receiving multiple conversion rates at the same time.

[0109] Step 440: Based on the first-in-first-out principle, obtain the conversion rates provided by at least one resource conversion service provider from the message queue.

[0110] Specifically, based on the first-in-first-out principle of the message queue, the resource conversion platform obtains the conversion rates provided by at least one resource conversion service provider from the message queue. The number of conversion rates obtained by the resource conversion platform from the message queue can be less than or equal to the number of conversion rates stored in the message queue. For example, if there are 5 conversion rates provided by resource conversion service providers stored in the message queue, the resource conversion platform can obtain 5 or fewer conversion rates provided by resource conversion service providers from the message queue for use. Based on the first-in-first-out principle of the message queue, the conversion rates obtained by the resource conversion platform first are necessarily the conversion rates with faster response speeds, so that the conversion rates with faster corresponding speeds can be preferentially obtained as the required conversion rates, improving the calculation efficiency of subsequent conversion rates.

[0111] Step 450: Perform statistical processing on the conversion rates provided by at least one resource conversion service provider to obtain the benchmark conversion rate between the first resource and the second resource.

[0112] Specifically, the resource conversion platform can use the average value of the conversion rates provided by at least one resource conversion service provider as the benchmark conversion rate between the first resource and the second resource. When there are multiple conversion rates, the resource conversion platform can remove the maximum and minimum values among the multiple conversion rates and then calculate the average value to obtain the benchmark conversion rate, that is: the resource conversion platform determines the maximum and minimum values among the conversion rates provided by multiple resource conversion service providers, uses the conversion rates provided by the resource conversion service providers between the maximum and minimum values as the target conversion rates, and uses the average value of the multiple target conversion rates as the benchmark conversion rate between the first resource and the second resource.

[0113] The process of obtaining the benchmark conversion rate corresponding to steps 420 - 450 is a process in which the resource conversion platform obtains and calculates the conversion rates provided by the resource conversion service providers in real time according to the conversion rate query request. In an embodiment of the present application, the process of obtaining the benchmark conversion rate can also be that the resource conversion platform pre-calculates and stores the benchmark conversion rates between various resources, and when the requester queries, directly obtains the benchmark conversion rate corresponding to the resources involved in the conversion rate query request from the stored benchmark conversion rates. The specific process includes: obtaining the service provider conversion rates between various resources from the message queue; calculating the benchmark conversion rates between various resources according to the service provider conversion rates between various resources, and storing the benchmark conversion rates between various resources; obtaining the benchmark conversion rate between the first resource and the second resource from the stored benchmark conversion rates between various resources according to the first resource identifier and the second resource identifier included in the conversion rate query request.

[0114] Specifically, the resource conversion service provider can provide the conversion rate between multiple resources, namely the service party conversion rate. The resource conversion service provider can send the service party conversion rate between various resources to the resource conversion platform, and the resource conversion platform stores it in the message queue. For example, the resource conversion service provider can periodically send the service party conversion rate between various resources to the resource conversion platform, and the resource conversion service provider can also send the changed service party conversion rate to the resource conversion platform when the service party conversion rate changes. The resource conversion platform obtains the service party conversion rate between various resources of each resource conversion service provider from the message queue, and calculates the benchmark conversion rate between various resources for storage. When a requester subsequently initiates a conversion rate query request, the resource conversion platform can directly obtain the benchmark conversion rate of the corresponding resource identifier from the stored benchmark conversion rate data according to the resource identifier involved in the conversion rate query request, so that the acquisition speed of the benchmark conversion rate can be accelerated and the calculation efficiency of the target resource conversion rate can be improved. For example, there are five resource conversion service providers that can provide service conversion rates between resource A, resource B, and resource C respectively. The resource conversion platform can calculate the benchmark conversion rates between resource A, resource B, and resource C based on the service conversion rate data provided by the five resource conversion service providers and store them in the cache. When the conversion rate query request is to query the conversion rate between resource A and resource B, the resource conversion platform can directly obtain the benchmark conversion rate between resource A and resource B from the cache.

[0115] In one embodiment of the present application, the reference conversion rate is obtained by Figure 2 The core system of the resource conversion platform shown is used to perform, for example, Figure 5 The structure block diagram of the core system of the resource conversion platform provided by one embodiment of the present application is schematically shown. Figure 5 As shown in Figure 1, the core system includes three parts: front-end server, message component and platform processing. The front-end server is used to connect with the resource conversion service provider. For example, the resource conversion service provider is a bank. Figure 5As shown in the figure, each bank is connected to the front-end machine service respectively. In the front-end machine service, the resource conversion platform uses a specified account to communicate with the corresponding bank through the Financial Information eXchange (FIX) protocol, so as to obtain the conversion rate between resources fed back by the bank. Generally, the time delay is between several milliseconds and dozens of milliseconds. After receiving the conversion rate fed back by the bank, the front-end machine service sends it to the message component. The message component includes a message queue, which is a forwarding tool for the conversion rate. It can store the conversion rate messages sent by the front-end machine services corresponding to different banks in the internal queue in chronological order, and then push the conversion rate messages to the platform price processing module in the first-in first-out manner. Platform price processing refers to performing statistical processing based on the conversion rates provided by at least one resource conversion service provider to obtain the benchmark conversion rate between the first resource and the second resource. For example, the platform price processing calculates the average after receiving the conversion rates from multiple banks to obtain the benchmark conversion rate; or after receiving the conversion rates from multiple banks, it excludes the highest and lowest conversion rates and calculates the average to obtain the benchmark conversion rate.

[0116] Step 460: Query the adjustment system list according to the conversion rate query request to determine the conversion rate adjustment system associated with the conversion rate query request.

[0117] Specifically, the adjustment system list records the relevant information of the conversion rate adjustment systems that have been connected to the resource conversion platform. For example, the adjustment system list records information such as the name, identifier, connection time to the resource conversion platform, and applicable business scenarios of the conversion rate query systems. In the Figure 2 system structure of the resource conversion platform shown in the figure, the adjustment system list is the plug-in registration table. Determining the conversion rate adjustment system associated with the conversion rate query request is to determine which conversion rate adjustment information output by the conversion rate adjustment systems will affect the target resource conversion rate in this conversion rate query operation. For example, if the applicable business scenario corresponding to the conversion rate adjustment system A in the adjustment system list is the resource conversion or conversion rate query operation initiated by a specified requester, then when the requester of this conversion rate query request is the specified requester, the conversion rate adjustment system associated with this conversion rate query request is the conversion rate adjustment system A. Optionally, the applicable business scenarios corresponding to some conversion rate adjustment systems can be set as general business scenarios, so that any conversion rate query request is associated with this conversion rate adjustment system.

[0118] Step 470: Generate a resource conversion rate query sub-request according to the conversion rate query request, and send the resource conversion rate query sub-request to the conversion rate adjustment system associated with the conversion rate query request.

[0119] Specifically, the resource conversion rate query sub-request is a request sent to the conversion rate query system. Different conversion rate adjustment systems require different input data when calculating conversion rate adjustment information. Therefore, it is necessary to transform the conversion rate query request according to the data required by the conversion rate adjustment system to generate a resource conversion rate query sub-request, and then send it to the conversion rate adjustment system. Optionally, the resource conversion rate query request can also be directly used as the resource conversion rate query sub-request.

[0120] Step 480: Receive the conversion rate adjustment information returned by the conversion rate adjustment system based on the resource conversion rate query sub-request.

[0121] Specifically, after receiving the resource conversion rate query sub-request, the conversion rate adjustment system calculates according to the conversion rate adjustment information calculation rule set by itself, outputs the conversion rate adjustment information, and feeds it back to the resource conversion platform.

[0122] In an embodiment of the present application, as Figure 2 shown in the system architecture of the resource conversion platform, the conversion rate query request is processed by the core system of the resource conversion platform, and the resource conversion rate query sub-request is executed by the plugin system of the resource conversion platform, where the plugin system is the conversion rate adjustment system. Communication can be carried out between the core system and the conversion rate adjustment system based on a pre-set communication specification. The process specifically includes: determining the communication template used by the conversion rate adjustment system according to the adjustment system list; generating a resource conversion rate query sub-request in the first data format according to the conversion rate query request and the communication template; receiving the conversion rate adjustment information in the second data format fed back by the conversion rate adjustment system based on the resource conversion rate query sub-request and the communication template.

[0123] Specifically, the core system defines the communication template used by the conversion rate adjustment system. This communication template stipulates the input data specification and output data specification of the conversion rate adjustment system. The input and output data specifications are the input and output data formats. For example, if the input data of the conversion rate adjustment system adopts the first data format and the output data adopts the second data format, then the resource conversion rate query sub-request received by the conversion rate adjustment system should be generated based on the first data format, and the conversion rate adjustment information fed back by the conversion rate adjustment system should be generated based on the second data format. For instance, the first data format stipulates that the input data of the conversion rate adjustment system includes the requester identifier, query resource pair, resource conversion direction, specified resource, and transaction amount. The requester identifier refers to the unique identifier of the current query, such as the merchant ID. The query resource pair refers to what the two resources involved in the current conversion rate query are, which can be represented by the first resource identifier and the second resource identifier. The resource conversion direction includes the positive direction and the negative direction. For example, converting the first resource to the second resource is recorded as the positive direction of resource conversion, then converting the second resource to the first resource becomes the negative direction of resource conversion. The specified resource refers to the transaction resource specified for the resource conversion operation corresponding to the current query, which can be one of the first resource and the second resource. The transaction amount refers to the quantity of resources to be converted for the resource conversion operation corresponding to the current query, usually the quantity of the specified resource. For example, if the resource conversion rate query sub-request includes "merchant 123, U1C1, positive direction, U1, 1000 units", it means that merchant 123 expects to convert 1000 units of U1 resources into C1 resources.

[0124] The second data format stipulates that the conversion rate adjustment information includes the conversion rate adjustment direction and the conversion rate adjustment quantity. The conversion rate adjustment direction includes two directions: increase and decrease. The conversion rate adjustment quantity can be expressed in basis points (BPS). One basis point is denoted as 1BPS. One basis point represents one ten-thousandth. So, 1% = 100BPS and 0.01% = 1BPS. Suppose markup represents an increase and discount represents a decrease. If the conversion rate adjustment information is "markup, 2", it means increasing the conversion rate by 2 basis points; if the conversion rate adjustment information is "discount, 2", it means decreasing the conversion rate by 2 basis points.

[0125] Step 490: Generate the target resource conversion rate between the first resource and the second resource based on the benchmark conversion rate and the conversion rate adjustment information.

[0126] Specifically, step 490 is the same as step 340 in the foregoing embodiment and will not be elaborated here.

[0127] In the technical solution provided by the embodiment of the present application, resource processing is implemented through the core system of the resource conversion platform. The process of obtaining the benchmark conversion rate from the resource conversion service provider and the process of obtaining the conversion rate adjustment information from the conversion rate adjustment system are decoupled from each other. The core system and the conversion rate adjustment system in the resource conversion platform are loosely coupled. The core function of the core system only needs to be responsible for processing the conversion rate of the resource conversion service provider, so that the platform processing can be very fast and sensitive, and it does not need to cover any business scenario logic, which ensures the singularity and stability of the core function. The core system manages the conversion rate adjustment system through the adjustment system list, so that in the process of the development of the resource conversion business, the conversion rate adjustment system does not need to worry about the subsequent evolution affecting the resource conversion system, and only needs to record the relevant system information in the adjustment system list. Finally, in the technical solution of the present application, the addition of any resource conversion strategy or the addition of a business scenario does not need to consider the existing functions, and only needs to follow the communication standard and connection specification specified by the core system, and then independently develop the conversion rate adjustment system, effectively improving the iteration efficiency.

[0128] Figure 6 Schematically shows a flowchart of a resource processing method provided by an embodiment of the present application. This embodiment is a further optimization of the above embodiment. As Figure 6 shown, the resource processing method provided by the embodiment of the present application includes steps 610 to step 670, which are specifically as follows:

[0129] Step 610, obtain a conversion rate query request, where the conversion rate query request is used to query the conversion rate between the first resource and the second resource.

[0130] Step 620, according to the conversion rate query request, obtain the benchmark conversion rate between the first resource and the second resource from the resource conversion service provider.

[0131] Step 630, obtain the conversion rate adjustment information from the conversion rate adjustment system according to the conversion rate query request, where the conversion rate adjustment information indicates an increase or decrease in the conversion rate between the first resource and the second resource.

[0132] Specifically, steps 610-step 630 are the same as steps 310-step 330 in the foregoing embodiment. Optionally, reference may also be made to the relevant descriptions in steps 410-step 480 in the foregoing embodiment, which will not be elaborated herein.

[0133] Step 640, detect the information quality of the conversion rate adjustment information according to the conversion rate adjustment information.

[0134] Specifically, by adjusting the information quality of the conversion rate adjustment information, the conversion rate adjustment used for subsequent calculation of the target resource conversion rate can be enabled. The information quality of the conversion rate adjustment information can be judged by the response time of the conversion rate adjustment system. For example, if the response time of the conversion rate adjustment system is too long, it indicates that the service quality of the conversion rate adjustment system has declined, then it can be considered that the information quality of the conversion rate adjustment information feedback by the conversion rate adjustment system is unqualified; on the contrary, if the response time of the conversion rate adjustment system is within the normal range, then it can be considered that the information quality of the conversion rate adjustment information feedback by the conversion rate adjustment system is qualified.

[0135] In an embodiment of the present application, the detection process of the information quality of the conversion rate adjustment information includes: calculating the response duration of the conversion rate adjustment system according to the acquisition time of the conversion rate adjustment information; when the response duration of the conversion rate adjustment system is greater than the preset duration threshold, determining that the information quality of the conversion rate adjustment information is unqualified; when the response duration of the conversion rate adjustment system is less than the preset duration threshold, determining that the information quality of the conversion rate adjustment information is qualified.

[0136] Specifically, when the core system sends a resource conversion rate query sub-request to the conversion rate adjustment system, it will record the sending time of the resource conversion rate query sub-request. Similarly, when the core system receives the conversion rate adjustment information feedback by the conversion rate adjustment system, it will record the reception time of the conversion rate adjustment information, that is, the acquisition time of the conversion rate adjustment information. Through the difference between these two times, the response duration of the conversion rate adjustment system can be obtained. When the response duration of the conversion rate adjustment system is greater than the preset duration threshold, it indicates that the response time of the conversion rate adjustment system is too long and its service quality has declined, and thus it is considered that the corresponding conversion rate adjustment information quality is unqualified; when the response duration of the conversion rate adjustment system is less than the preset duration threshold, it is considered that the service quality of the conversion rate adjustment system is relatively stable, and thus it is considered that the corresponding conversion rate adjustment information quality is qualified. It can be understood that when the response duration of the conversion rate adjustment system is equal to the preset duration threshold, it can be classified into either the case where the response duration of the conversion rate adjustment system is greater than the preset duration threshold or the case where the response duration of the conversion rate adjustment system is less than the preset duration threshold.

[0137] In an embodiment of the present application, the information quality detection of the conversion rate adjustment information can be achieved by detecting the relationship between the specific conversion rate adjustment value included in the conversion rate adjustment information and the conversion rate adjustment threshold. Specifically, when the conversion rate adjustment value included in the conversion rate adjustment information exceeds the conversion rate adjustment threshold, it is determined that the information quality of the conversion rate adjustment information is unqualified; when the conversion rate adjustment value included in the conversion rate adjustment information does not exceed the conversion rate adjustment threshold, it is determined that the information quality of the conversion rate adjustment information is qualified. That is, when the conversion rate adjustment information exceeds the conversion rate adjustment threshold, it indicates that the conversion rate adjustment range is too large and an abnormal situation may occur, so the information quality of the conversion rate adjustment information is considered unqualified; on the contrary, when the conversion rate adjustment data is within a reasonable range, the information quality of the conversion rate adjustment information is considered qualified.

[0138] In an embodiment of the present application, the conversion rate adjustment information includes two cases: increasing the conversion rate and decreasing the conversion rate. Different conversion rate adjustment ranges can be set for these two cases. Specifically, when the conversion rate increase value indicating an increase in the conversion rate between the first resource and the second resource in the conversion rate adjustment information is greater than the first preset threshold, or when the conversion rate decrease value indicating a decrease in the conversion rate between the first resource and the second resource in the conversion rate adjustment information is greater than the second preset threshold, it is determined that the conversion rate adjustment value included in the conversion rate adjustment information exceeds the conversion rate adjustment threshold. It can be understood that the first preset threshold and the second preset threshold can be the same value or different values. On the contrary, when the conversion rate increase value indicating an increase in the conversion rate between the first resource and the second resource in the conversion rate adjustment information is less than the first preset threshold, or when the conversion rate decrease value indicating a decrease in the conversion rate between the first resource and the second resource in the conversion rate adjustment information is less than the second preset threshold, it is determined that the conversion rate adjustment value included in the conversion rate adjustment information does not exceed the conversion rate adjustment threshold. It can be understood that the equal situation in the above data judgment cases can be classified into either the greater situation or the less situation.

[0139] The unit of the conversion rate adjustment value included in the conversion rate adjustment information is basis points (BPS). Naturally, the first preset threshold and the second preset threshold are also expressed in basis points. Exemplarily, the first preset threshold is 5 basis points, and the second preset threshold is 6 basis points. Then, when the conversion rate increase value in the conversion rate adjustment information is greater than 5 basis points, it is considered that the conversion rate adjustment value included in the conversion rate adjustment information exceeds the conversion rate adjustment threshold, or directly consider that the quality of the conversion rate adjustment information is unqualified; on the contrary, when the conversion rate increase value in the conversion rate adjustment information is less than 5 basis points, it is considered that the conversion rate adjustment value included in the conversion rate adjustment information does not exceed the conversion rate adjustment threshold, or directly consider that the quality of the conversion rate adjustment information is qualified. When the conversion rate decrease value in the conversion rate adjustment information is greater than 6 basis points, it is considered that the conversion rate adjustment value included in the conversion rate adjustment information exceeds the conversion rate adjustment threshold, or directly consider that the quality of the conversion rate adjustment information is unqualified; on the contrary, when the conversion rate decrease value in the conversion rate adjustment information is less than 6 basis points, it is considered that the conversion rate adjustment value included in the conversion rate adjustment information does not exceed the conversion rate adjustment threshold, or directly consider that the quality of the conversion rate adjustment information is qualified. It should be noted that in some cases, the increase or decrease of the conversion rate can be represented by positive and negative signs. For example, the positive sign "+" is used to represent an increase in the conversion rate, and generally the positive sign can be omitted. The negative sign "-" is used to represent a decrease in the conversion rate. When judging whether the conversion rate adjustment value included in the conversion rate adjustment information exceeds the conversion rate adjustment threshold, only the numerical value should be judged, and the adjustment sign indicating the adjustment direction should not be considered. For example, if the conversion rate adjustment information is "-7" (the unit is omitted here), its conversion rate decrease value should be 7, which is greater than the second preset threshold of 6. Then, the conversion rate adjustment value included in the conversion rate adjustment information exceeds the conversion rate adjustment threshold, or directly consider that the quality of the conversion rate adjustment information is unqualified. Optionally, the relationship between the conversion rate adjustment value and the corresponding preset threshold can also be compared with the adjustment sign. For example, the second preset threshold can be set to "-6". Then, when the conversion rate decrease value is greater than the second preset threshold, it means that the conversion rate adjustment value included in the conversion rate adjustment information does not exceed the conversion rate adjustment threshold, while when the conversion rate decrease value is less than the second preset threshold, it means that the conversion rate adjustment value included in the conversion rate adjustment information exceeds the conversion rate adjustment threshold.

[0140] Step 650: When the quality of the conversion rate adjustment information is qualified, if the conversion rate adjustment information indicates an increase in the conversion rate between the first resource and the second resource, then the sum of the preset adjustment value and the conversion rate increase value indicated by the conversion rate adjustment information is used as the target adjustment value.

[0141] Step 660: If the conversion rate adjustment information indicates a decrease in the conversion rate between the first resource and the second resource, then the difference between the preset adjustment value and the conversion rate decrease value indicated by the conversion rate adjustment information is used as the target adjustment value.

[0142] Specifically, when the quality of the conversion rate adjustment information is detected to be qualified, the target resource conversion rate is calculated based on the benchmark conversion rate and the conversion rate adjustment information. In this process, since the conversion rate adjustment information includes two cases of increasing the conversion rate and decreasing the conversion rate, different processing methods are adopted for these two cases. Specifically, when the conversion rate adjustment information indicates an increase in the conversion rate, the sum of the preset adjustment value and the conversion rate increase value indicated by the conversion rate adjustment information is calculated, and this sum value is used as the target adjustment value. When the conversion rate adjustment information indicates a decrease in the conversion rate, the difference between the preset adjustment value and the conversion rate decrease value indicated by the conversion rate adjustment information is calculated, and this difference value is used as the target adjustment value. Exemplarily, using markup to represent an increase in the conversion rate and discount to represent a decrease in the conversion rate, and the preset adjustment value is 1, then the corresponding target adjustment values are 1 + markup and 1 - discount respectively.

[0143] Step 670: Use the product of the benchmark conversion rate and the target adjustment value as the target resource conversion rate between the first resource and the second resource.

[0144] Specifically, the target resource conversion rate is the product between the benchmark conversion rate and the target adjustment value. When there are multiple target adjustment values, the target resource conversion rate is the product between the benchmark conversion rate and the multiple target adjustment values, that is, the target resource conversion rate T = platform rate * (1 + markup1) * (1 + markup2) *... * (1 + markupN) * (1 - discount1) * (1 - discount2) *... * (1 + discount M), where platform rate represents the benchmark conversion rate; markupi, i ∈ R, 1 ≤ i ≤ N, represents the i-th conversion rate increase value; markupj, j ∈ R, 1 ≤ j ≤ M, represents the j-th conversion rate decrease value.

[0145] In the technical solution provided by the embodiments of the present application, when calculating the target resource conversion rate, the information quality of the conversion rate adjustment information is first detected, and then the conversion rate adjustment information with qualified information quality is used to calculate the target resource conversion rate, which improves the calculation accuracy of the target resource conversion rate.

[0146] Exemplarily, Figure 7 Schematically shows a schematic diagram of the resource processing method provided by an embodiment of the present application. In Figure 7 the example shown, the resource conversion platform includes a core system and a plugin system. The core system includes a core function module, a plugin management module, and a plugin communication module. The functions and roles of each module can be referred to Figure 2 and Figure 5 the description in the example shown. The plugin system is the conversion rate adjustment system. In Figure 7In the illustrated example, the resource conversion platform includes 4 plug-in systems: plug-in system A, plug-in system B, plug-in system C, and plug-in system D. As Figure 7 shown, the resource processing method provided by the embodiment of the present application includes the following processes:

[0147] First, the merchant sends a conversion rate query request to the resource conversion platform, and the core function module in the core system of the resource conversion platform receives the request. The conversion rate query request includes merchant identity information (such as merchant ID), query resource pair, resource conversion direction, specified resource, and transaction amount. The meanings of these parameters can refer to the relevant descriptions in step 480 of the foregoing embodiment and will not be elaborated here.

[0148] Next, the core function module in the core system sends the conversion rate query request to the plug-in management module, and the plug-in management module queries the plug-in system associated with the conversion rate query request. In this embodiment, it is assumed that all 4 plug-in systems are associated with the conversion rate query request. This step can refer to the relevant descriptions in step 460 of the foregoing and will not be elaborated here.

[0149] After the plug-in management module determines the plug-in system associated with the conversion rate query request, it sends the conversion rate query request to the plug-in communication module, and the plug-in communication module generates a conversion rate query sub-request and sends the conversion rate query sub-request to the corresponding plug-in system. The conversion rate query sub-request includes merchant identity, query resource pair, resource conversion direction, specified resource, and transaction amount. This step can refer to the relevant descriptions in step 470 of the foregoing and will not be elaborated here.

[0150] After receiving the conversion rate query sub-request, the plug-in system obtains conversion rate adjustment information through relevant calculations and sends the conversion rate adjustment information to the plug-in communication module of the core system. The conversion rate adjustment information includes the conversion rate adjustment direction and the conversion rate adjustment value (i.e., the adjustment quantity). This step can refer to the relevant descriptions in step 480 of the foregoing and will not be elaborated here. In this embodiment, the plug-in communication module will receive the conversion rate adjustment information respectively feedback by plug-in system A, plug-in system B, plug-in system C, and plug-in system D.

[0151] After receiving the conversion rate adjustment information, the plug-in communication module sends the conversion rate adjustment information to the core function module, and the core function module calculates the target resource conversion rate according to the conversion rate adjustment information and the benchmark conversion rate. Among them, the process of the core function module obtaining the benchmark conversion rate can refer to Figure 5The description of the example shown above will not be elaborated here. The process of the core function module obtaining the benchmark conversion rate and obtaining the conversion rate adjustment information can be carried out in parallel. Suppose the conversion rate adjustment information fed back by plug-in system A is markup1, the conversion rate adjustment information fed back by plug-in system B is markup2, the conversion rate adjustment information fed back by plug-in system C is discount1, the conversion rate adjustment information fed back by plug-in system D is discount2, and the benchmark conversion rate is platform rate. Then the target resource conversion rate T = platform rate * (1 + markup1) * (1 + markup2) * (1 - discount1) * (1 - discount2).

[0152] Finally, the core function module feeds back the calculated target resource conversion rate to the merchant.

[0153] The plug-in management module of the core system can be extended to merchant plug-in management, that is, any plug-in system used by a merchant is managed separately, so that the target resource conversion rate has more refined management.

[0154] The plug-in communication module of the core system can pre-develop several communication templates, that is, input-output specifications, so that different plug-in systems can declare the communication templates to be used when registering.

[0155] For plug-in systems, limited combinations can be made between different plug-in systems, and several groups of plug-in systems are defined as an ordered call chain. For example, plug-in system A, plug-in system B, and plug-in system C form a call chain. After plug-in system A calculates the conversion rate adjustment information A based on the conversion rate query sub-request, it can send the conversion rate query sub-request and the conversion rate adjustment information A to plug-in system B. Plug-in system B calculates the conversion rate adjustment information B based on the conversion rate query sub-request and the conversion rate adjustment information A, and sends the conversion rate query sub-request, the conversion rate adjustment information A, and the conversion rate adjustment information B to plug-in system C. Plug-in system C calculates the conversion rate adjustment information C based on the conversion rate query sub-request, the conversion rate adjustment information A, and the conversion rate adjustment information B. Finally, plug-in system A can summarize the conversion rate adjustment information A, the conversion rate adjustment information B, and the conversion rate adjustment information C and feed them back to the core system.

[0156] The plug-in communication module can select the concurrent communication mode when using different plug-in systems, so as to improve the efficiency of the overall quotation.

[0157] It should be noted that although the steps of the method in this application are described in a specific order in the accompanying drawings, this does not require or imply that these steps must be executed in that specific order, or that all the steps shown must be executed to achieve the desired result. Additionally or alternatively, certain steps may be omitted, multiple steps may be combined into one step for execution, and / or one step may be decomposed into multiple steps for execution, etc.

[0158] The following introduces the device embodiments of this application, which can be used to execute the resource processing method in the above embodiments of this application. Figure 8 The structural block diagram of the resource processing device provided by the embodiments of this application is schematically shown. As Figure 8 shown, the resource processing device provided by the embodiments of this application includes:

[0159] A query request acquisition module 810, configured to acquire a conversion rate query request for querying the conversion rate between a first resource and a second resource;

[0160] A benchmark conversion rate acquisition module 820, configured to acquire the benchmark conversion rate between the first resource and the second resource from a resource conversion service provider according to the conversion rate query request;

[0161] An adjustment information acquisition module 830, configured to acquire conversion rate adjustment information from a conversion rate adjustment system according to the conversion rate query request, where the conversion rate adjustment information indicates an increase or decrease in the conversion rate between the first resource and the second resource;

[0162] A target conversion rate acquisition module 840, configured to generate a target resource conversion rate between the first resource and the second resource according to the benchmark conversion rate and the conversion rate adjustment information.

[0163] In an embodiment of this application, the benchmark conversion rate acquisition module 820 is specifically configured to:

[0164] Acquire the conversion rates provided by at least one resource conversion service provider for converting the first resource and the second resource according to the conversion rate query request;

[0165] Perform statistical processing on the conversion rates provided by the at least one resource conversion service provider to obtain the benchmark conversion rate between the first resource and the second resource.

[0166] In an embodiment of this application, the benchmark conversion rate acquisition module 820 is specifically configured to:

[0167] According to the first resource identifier and the second resource identifier included in the conversion rate query request, initiate a provider conversion rate query request to multiple resource conversion service providers;

[0168] Store the conversion rates fed back by the multiple resource conversion service providers based on the provider conversion rate query request into a message queue;

[0169] Based on the first-in-first-out principle, obtain the conversion rates provided by at least one resource conversion service provider from the message queue.

[0170] In an embodiment of the present application, there are multiple resource conversion service providers; the benchmark conversion rate acquisition module 820 is specifically configured to:

[0171] Take the average value of the conversion rates provided by the multiple resource conversion service providers as the benchmark conversion rate between the first resource and the second resource; or

[0172] Determine the maximum value and the minimum value among the conversion rates provided by the multiple resource conversion service providers, take the conversion rates provided by the resource conversion service providers between the maximum value and the minimum value as the target conversion rates, and take the average value of the multiple target conversion rates as the benchmark conversion rate between the first resource and the second resource.

[0173] In an embodiment of the present application, the benchmark conversion rate acquisition module 820 is specifically configured to:

[0174] Obtain the service provider conversion rates between various resources from the message queue; the message queue is used to store the service provider conversion rates provided by at least one resource conversion service provider;

[0175] Calculate the benchmark conversion rates between various resources according to the service provider conversion rates between various resources, and store the benchmark conversion rates between various resources;

[0176] Obtain the benchmark conversion rate between the first resource and the second resource from the stored benchmark conversion rates between various resources according to the first resource identifier and the second resource identifier included in the conversion rate query request.

[0177] In an embodiment of the present application, the adjustment information acquisition module 830 is specifically configured to:

[0178] Query the adjustment system list according to the conversion rate query request to determine the conversion rate adjustment system associated with the conversion rate query request;

[0179] Generate a resource conversion rate query sub-request according to the conversion rate query request, and send the resource conversion rate query sub-request to the conversion rate adjustment system associated with the conversion rate query request;

[0180] Receive the conversion rate adjustment information returned by the conversion rate adjustment system based on the resource conversion rate query sub-request.

[0181] In one embodiment of the present application, the adjustment information acquisition module 830 is specifically configured to:

[0182] Determine the communication template used by the conversion rate adjustment system according to the adjustment system list;

[0183] Generate a resource conversion rate query sub-request in the first data format according to the conversion rate query request and the communication template;

[0184] Receive the conversion rate adjustment information fed back by the conversion rate adjustment system based on the resource conversion rate query sub-request, including:

[0185] Receive the conversion rate adjustment information in the second data format fed back by the conversion rate adjustment system based on the resource conversion rate query sub-request and the communication template.

[0186] In one embodiment of the present application, the target conversion rate acquisition module 840 includes:

[0187] An information quality detection unit, configured to detect the information quality of the conversion rate adjustment information according to the conversion rate adjustment information;

[0188] A target conversion rate generation unit, configured to generate a target resource conversion rate between the first resource and the second resource according to the reference conversion rate and the conversion rate adjustment information when the information quality of the conversion rate adjustment information is qualified.

[0189] In one embodiment of the present application, the information quality detection unit is specifically configured to:

[0190] Calculate the response duration of the conversion rate adjustment system according to the acquisition time of the conversion rate adjustment information;

[0191] When the response duration of the conversion rate adjustment system is greater than a preset duration threshold, determine that the information quality of the conversion rate adjustment information is unqualified;

[0192] When the response duration of the conversion rate adjustment system is less than a preset duration threshold, determine that the information quality of the conversion rate adjustment information is qualified.

[0193] In one embodiment of the present application, the information quality detection unit is specifically configured to:

[0194] When the conversion rate adjustment value included in the conversion rate adjustment information exceeds the conversion rate adjustment threshold, determine that the information quality of the conversion rate adjustment information is unqualified;

[0195] When the conversion rate adjustment value included in the conversion rate adjustment information does not exceed the conversion rate adjustment threshold, determine that the information quality of the conversion rate adjustment information is qualified.

[0196] In one embodiment of the present application, the information quality detection unit is specifically configured to:

[0197] When the conversion rate adjustment information indicates that the conversion rate increase value for increasing the conversion rate between the first resource and the second resource is greater than a first preset threshold, or when the conversion rate adjustment information indicates that the conversion rate decrease value for decreasing the conversion rate between the first resource and the second resource is greater than a second preset threshold, it is determined that the conversion rate adjustment value included in the conversion rate adjustment information exceeds the conversion rate adjustment threshold;

[0198] When the conversion rate adjustment information indicates that the conversion rate increase value for increasing the conversion rate between the first resource and the second resource is less than the first preset threshold, or when the conversion rate adjustment information indicates that the conversion rate decrease value for decreasing the conversion rate between the first resource and the second resource is less than the second preset threshold, it is determined that the conversion rate adjustment value included in the conversion rate adjustment information does not exceed the conversion rate adjustment threshold.

[0199] In one embodiment of the present application, the target conversion rate acquisition module 840 is specifically configured to:

[0200] If the conversion rate adjustment information indicates an increase in the conversion rate between the first resource and the second resource, then the sum of the preset adjustment value and the conversion rate increase value indicated by the conversion rate adjustment information is used as the target adjustment value;

[0201] If the conversion rate adjustment information indicates a decrease in the conversion rate between the first resource and the second resource, then the difference between the preset adjustment value and the conversion rate decrease value indicated by the conversion rate adjustment information is used as the target adjustment value;

[0202] The product of the reference conversion rate and the target adjustment value is used as the target resource conversion rate between the first resource and the second resource.

[0203] The specific details of the resource processing device provided in each embodiment of the present application have been described in detail in the corresponding method embodiment, and will not be repeated here.

[0204] Figure 9 Schematically shows a block diagram of a computer system of an electronic device for implementing the embodiments of the present application.

[0205] It should be noted that Figure 9 The computer system 900 of the electronic device shown is only an example, and should not bring any limitation to the functions and usage scope of the embodiments of the present application.

[0206] As Figure 9As shown, computer system 900 includes a central processing unit 901 (CPU), which can perform various appropriate actions and processes according to programs stored in read-only memory 902 (ROM) or programs loaded from storage section 908 into random access memory 903 (RAM). In random access memory 903, various programs and data required for system operation are also stored. The central processing unit 901, read-only memory 902, and random access memory 903 are connected to each other via bus 904. Input / output interface 905 (Input / Output interface, i.e., I / O interface) is also connected to bus 904.

[0207] The following components are connected to input / output interface 905: input section 906 including a keyboard, a mouse, etc.; output section 907 including, for example, a cathode ray tube (CRT), a liquid crystal display (LCD), etc. and a speaker, etc.; storage section 908 including a hard disk, etc.; and communication section 909 including a network interface card such as a local area network card, a modem, etc. Communication section 909 performs communication processing via a network such as the Internet. Drive 910 is also connected to input / output interface 905 as needed. A removable medium 911, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on drive 910 as needed so that a computer program read therefrom can be installed into storage section 908 as needed.

[0208] Specifically, according to an embodiment of the present application, the processes described in each method flowchart can be implemented as a computer software program. For example, an embodiment of the present application includes a computer program product that includes a computer program carried on a computer-readable medium, and the computer program includes program code for performing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from the network via communication section 909, and / or installed from removable medium 911. When the computer program is executed by central processing unit 901, various functions defined in the system of the present application are performed.

[0209] It should be noted that the computer-readable medium shown in the embodiments of the present application can be a computer-readable signal medium, a computer-readable storage medium, or any combination of the two. A computer-readable storage medium can be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the above. More specific examples of a computer-readable storage medium can include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM), a flash memory, an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present application, a computer-readable storage medium can be any tangible medium that contains or stores a program, and this program can be used by or in combination with an instruction execution system, apparatus, or device. In the present application, a computer-readable signal medium can include a data signal propagated in a baseband or as part of a carrier wave, which carries computer-readable program code. Such a propagated data signal can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. A computer-readable signal medium can also be any computer-readable medium other than a computer-readable storage medium, and this computer-readable medium can send, propagate, or transmit a program for use by or in combination with an instruction execution system, apparatus, or device. The program code contained on a computer-readable medium can be transmitted using any appropriate medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0210] The flowcharts and block diagrams in the accompanying drawings illustrate the possible architectures, functions, and operations of systems, methods, and computer program products according to various embodiments of the present application. In this regard, each block in a flowchart or block diagram can represent a module, a program segment, or a part of code, and the above module, program segment, or part of code contains one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions marked in the blocks can occur in a different order than that marked in the accompanying drawings. For example, two consecutive blocks shown can actually be executed substantially in parallel, and they can sometimes be executed in the reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and the combination of blocks in a block diagram or flowchart, can be implemented by a dedicated hardware-based system for performing the specified functions or operations, or can be implemented by a combination of dedicated hardware and computer instructions.

[0211] It should be noted that although several modules or units of a device for action execution are mentioned in the above detailed description, this division is not mandatory. In fact, according to the embodiments of the present application, the features and functions of the two or more modules or units described above can be embodied in one module or unit. Conversely, the features and functions of one module or unit described above can be further divided and embodied by multiple modules or units.

[0212] Through the description of the above embodiments, those skilled in the art can easily understand that the example embodiments described herein can be implemented by software or by a combination of software and necessary hardware. Therefore, the technical solutions according to the embodiments of the present application can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (such as a CD-ROM, a USB flash drive, a mobile hard disk, etc.) or on a network, and includes several instructions to enable a computing device (such as a personal computer, a server, a touch terminal, or a network device, etc.) to execute the method according to the embodiments of the present application.

[0213] After considering the specification and practicing the invention disclosed herein, those skilled in the art will readily conceive of other embodiments of the present application. The present application is intended to cover any variations, uses, or adaptations of the present application, which follow the general principles of the present application and include well-known knowledge or conventional technical means in the technical field not disclosed in the present application.

[0214] It should be understood that the present application is not limited to the exact structures described above and shown in the drawings, and various modifications and changes can be made without departing from its scope. The scope of the present application is only limited by the appended claims.

Claims

1. A resource processing method, characterized in that, Including: Obtaining a conversion rate query request for querying the conversion rate between a first resource and a second resource; According to the conversion rate query request, obtaining the benchmark conversion rate between the first resource and the second resource from a resource conversion service provider; Obtaining conversion rate adjustment information from a conversion rate adjustment system according to the conversion rate query request, where the conversion rate adjustment information indicates increasing or decreasing the conversion rate between the first resource and the second resource; Generating a target resource conversion rate between the first resource and the second resource according to the benchmark conversion rate and the conversion rate adjustment information.

2. The resource processing method according to claim 1, wherein According to the conversion rate query request, obtaining the benchmark conversion rate between the first resource and the second resource from a resource conversion service provider includes: According to the conversion rate query request, obtaining the conversion rates provided by at least one resource conversion service provider for converting the first resource and the second resource; Performing statistical processing on the conversion rates provided by the at least one resource conversion service provider to obtain the benchmark conversion rate between the first resource and the second resource.

3. The resource processing method according to claim 2, wherein According to the conversion rate query request, obtaining the conversion rates provided by at least one resource conversion service provider for converting the first resource and the second resource includes: According to the first resource identifier and the second resource identifier included in the conversion rate query request, initiating a provider conversion rate query request to multiple resource conversion service providers; Storing the conversion rates fed back by the multiple resource conversion service providers based on the provider conversion rate query request into a message queue; Based on the first-in, first-out principle, obtaining the conversion rates provided by at least one resource conversion service provider from the message queue.

4. The resource processing method according to claim 2, wherein There are multiple resource conversion service providers; performing statistical processing on the conversion rates provided by the at least one resource conversion service provider to obtain the benchmark conversion rate between the first resource and the second resource includes: Taking the average value of the conversion rates provided by the multiple resource conversion service providers as the benchmark conversion rate between the first resource and the second resource; or Determining the maximum value and the minimum value among the conversion rates provided by the multiple resource conversion service providers, taking the conversion rates provided by the resource conversion service providers between the maximum value and the minimum value as the target conversion rates, and taking the average value of the multiple target conversion rates as the benchmark conversion rate between the first resource and the second resource.

5. The resource processing method according to claim 1, wherein According to the conversion rate query request, obtaining the benchmark conversion rate between the first resource and the second resource from a resource conversion service provider includes: Obtaining the service provider conversion rates between various resources from a message queue; the message queue is used to store the service provider conversion rates provided by at least one resource conversion service provider; Calculating the benchmark conversion rates between various resources according to the service provider conversion rates between various resources and storing the benchmark conversion rates between various resources; Obtain the benchmark conversion rate between the first resource and the second resource from the stored benchmark conversion rates between various resources according to the first resource identifier and the second resource identifier included in the conversion rate query request.

6. The resource processing method according to claim 1, wherein Obtain conversion rate adjustment information from the conversion rate adjustment system according to the conversion rate query request, including: Query the adjustment system list according to the conversion rate query request to determine the conversion rate adjustment system associated with the conversion rate query request; Generate a resource conversion rate query sub-request according to the conversion rate query request, and send the resource conversion rate query sub-request to the conversion rate adjustment system associated with the conversion rate query request; Receive the conversion rate adjustment information returned by the conversion rate adjustment system based on the resource conversion rate query sub-request.

7. The resource processing method according to claim 6, wherein Generate a resource conversion rate query sub-request according to the conversion rate query request, including: Determine the communication template used by the conversion rate adjustment system according to the adjustment system list; Generate a resource conversion rate query sub-request in the first data format according to the conversion rate query request and the communication template; Receive the conversion rate adjustment information feedback by the conversion rate adjustment system based on the resource conversion rate query sub-request, including: Receive the conversion rate adjustment information in the second data format feedback by the conversion rate adjustment system based on the resource conversion rate query sub-request and the communication template.

8. The resource processing method according to claim 1, wherein Generate the target resource conversion rate between the first resource and the second resource according to the benchmark conversion rate and the conversion rate adjustment information, including: Detect the information quality of the conversion rate adjustment information according to the conversion rate adjustment information; When the information quality of the conversion rate adjustment information is qualified, generate the target resource conversion rate between the first resource and the second resource according to the benchmark conversion rate and the conversion rate adjustment information.

9. The resource processing method according to claim 8, wherein Detect the information quality of the conversion rate adjustment information according to the conversion rate adjustment information, including: Calculate the response duration of the conversion rate adjustment system according to the acquisition time of the conversion rate adjustment information; When the response duration of the conversion rate adjustment system is greater than the preset duration threshold, determine that the information quality of the conversion rate adjustment information is unqualified; When the response duration of the conversion rate adjustment system is less than the preset duration threshold, determine that the information quality of the conversion rate adjustment information is qualified.

10. The resource processing method according to claim 8, wherein Detect the information quality of the conversion rate adjustment information according to the conversion rate adjustment information, including: When the conversion rate adjustment value included in the conversion rate adjustment information exceeds the conversion rate adjustment threshold, determine that the information quality of the conversion rate adjustment information is unqualified; When the conversion rate adjustment value included in the conversion rate adjustment information does not exceed the conversion rate adjustment threshold, determine that the information quality of the conversion rate adjustment information is qualified.

11. The resource processing method according to claim 10, characterized in that, The method further includes: When the conversion rate increase value indicating an increase in the conversion rate between the first resource and the second resource in the conversion rate adjustment information is greater than the first preset threshold, or when the conversion rate decrease value indicating a decrease in the conversion rate between the first resource and the second resource in the conversion rate adjustment information is greater than the second preset threshold, determine that the conversion rate adjustment value included in the conversion rate adjustment information exceeds the conversion rate adjustment threshold; When the conversion rate increase value indicating an increase in the conversion rate between the first resource and the second resource in the conversion rate adjustment information is less than a first preset threshold, or when the conversion rate decrease value indicating a decrease in the conversion rate between the first resource and the second resource in the conversion rate adjustment information is less than a second preset threshold, it is determined that the conversion rate adjustment value included in the conversion rate adjustment information does not exceed the conversion rate adjustment threshold.

12. The resource processing method according to any one of claims 1-11, characterized in that, Generating the target resource conversion rate between the first resource and the second resource according to the reference conversion rate and the conversion rate adjustment information includes: If the conversion rate adjustment information indicates an increase in the conversion rate between the first resource and the second resource, the sum of a preset adjustment value and the conversion rate increase value indicated by the conversion rate adjustment information is used as the target adjustment value; If the conversion rate adjustment information indicates a decrease in the conversion rate between the first resource and the second resource, the difference between a preset adjustment value and the conversion rate decrease value indicated by the conversion rate adjustment information is used as the target adjustment value; The product of the reference conversion rate and the target adjustment value is used as the target resource conversion rate between the first resource and the second resource.

13. A resource processing device, characterized in that, Includes: A query request acquisition module, configured to acquire a conversion rate query request for querying the conversion rate between a first resource and a second resource; A reference conversion rate acquisition module, configured to acquire the reference conversion rate between the first resource and the second resource from a resource conversion service provider according to the conversion rate query request; An adjustment information acquisition module, configured to acquire conversion rate adjustment information from a conversion rate adjustment system according to the conversion rate query request, where the conversion rate adjustment information indicates an increase or a decrease in the conversion rate between the first resource and the second resource; A target conversion rate acquisition module, configured to generate the target resource conversion rate between the first resource and the second resource according to the reference conversion rate and the conversion rate adjustment information.

14. A computer-readable medium having a computer program stored thereon, characterized in that, When the computer program is executed by a processor, it implements the resource processing method described in any one of claims 1 to 12.

15. An electronic device, characterized in that, Includes: A processor; And A memory for storing executable instructions of the processor; Wherein, when the processor executes the executable instructions, the electronic device executes the resource processing method described in any one of claims 1 to 12.

16. A computer program product, characterized in that, The computer program product includes computer instructions stored in a computer-readable storage medium; The processor of the computer device reads and executes the computer instructions from the computer-readable storage medium, so that the computer device executes the resource processing method described in any one of claims 1 to 12.

Images