Resource transfer method and device, electronic equipment and computer readable storage medium

Abstract

The embodiment of the invention provides a resource transfer method and device, electronic equipment and a computer readable storage medium, and relates to the technical field of electronic finance. The method comprises the following steps: acquiring a resource transfer request; querying a first resource conversion rate corresponding to the resource transfer-out center; determining a second resource conversion rate corresponding to the resource conversion center based on a reference conversion rate provided by the resource conversion center and platform conversion rates of at least two conversion sub-centers corresponding to the resource conversion center; querying a third resource conversion rate corresponding to resource transfer to the center; calculating a target resource conversion rate from the resource transfer-out type to the resource transfer-in type according to the first resource conversion rate, the second resource conversion rate and the third resource conversion rate; and returning the target resource conversion rate to the client, so that the client confirms a resource transfer operation based on the target resource conversion rate. The resource type conversion is carried out through the resource conversion center, the situation that resource transfer cannot be achieved due to the fact that the resource types are not matched is avoided, and the user experience is improved.

Description

Technical Field

[0001] This application relates to the field of electronic finance technology. Specifically, this application relates to a resource transfer method, apparatus, electronic device, and computer-readable storage medium. Background Art

[0002] Third-party payment refers to an independent institution with certain strength and reputation guarantee, which enables a network payment mode for both parties in a transaction through docking with UnionPay or NetsUnion. In the third-party payment mode, after the buyer selects and purchases goods, the buyer uses the account provided by the third-party platform to pay the purchase price (pay to the third party), and the third party notifies the seller that the purchase price has arrived and requests the seller to ship the goods; after the buyer receives the goods, inspects the goods, and confirms, the buyer then notifies the third party to make the payment; the third party then transfers the funds to the seller's account.

[0003] With the booming development of foreign trade, the demand for cross-border payment and settlement of related funds has increased sharply. This sub-sector of financial services, cross-border payment, has also attracted more and more attention from the market, attracting the attention and layout of many entrepreneurs, Internet giants, and investment institutions. Third-party cross-border payment generally refers to payment institutions in China cooperating with banks to provide cross-border payment services for transactions such as cross-border e-commerce and overseas offline consumption, such as domestic online payment and overseas code scanning payment.

[0004] When third-party payment institutions expand the supported currency types (i.e., resource types) and regions, they generally need to apply for corresponding payment licenses locally in accordance with laws and regulations, or open a fund account in a local bank (i.e., resource transfer center or resource transfer-in center) to complete the receipt and payment (i.e., resource transfer) operations. This solution is not applicable to foreign exchange control regions, that is, there is a problem of resource type mismatch in the resource transfer process. Summary of the Invention

[0005] Embodiments of this application provide a resource transfer method, apparatus, electronic device, and computer-readable storage medium, which can solve the problem of resource type mismatch existing in the resource transfer process. The technical solutions are as follows:

[0006] According to one aspect of the embodiments of this application, a resource transfer method is provided. The method includes:

[0007] Obtain a resource transfer request; wherein, the resource transfer request includes a resource transfer-out type and a resource transfer-in type; the resource transfer request is used to request to transfer resources from a resource transfer center to a resource transfer-in center;

[0008] Query a first resource conversion rate corresponding to the resource transfer center; wherein, the first resource conversion rate is the conversion rate of the resource transfer-out type relative to a first resource type; the first resource type is the resource type adapted by the resource transfer center;

[0009] Determine the second resource conversion rate corresponding to the resource conversion center based on the reference conversion rate provided by the resource conversion center and the platform conversion rates of at least two conversion sub - centers corresponding to the resource conversion center; wherein, the second resource conversion rate is the conversion rate of the first resource type corresponding to the second resource type; the second resource type is the resource type adapted by the resource transfer center;

[0010] Query the third resource conversion rate corresponding to the resource transfer center; wherein, the third resource conversion rate is the conversion rate of the second resource type relative to the resource transfer type;

[0011] Calculate the target resource conversion rate from the resource transfer - out type to the resource transfer - in type according to the first resource conversion rate, the second resource conversion rate, and the third resource conversion rate;

[0012] Return the target resource conversion rate to the client so that the client can confirm the resource transfer operation based on the target resource conversion rate.

[0013] In a possible implementation manner, the above - mentioned determining the second resource conversion rate corresponding to the resource conversion center based on the reference conversion rate provided by the resource conversion center and the platform conversion rates of at least two conversion sub - centers corresponding to the resource conversion center includes:

[0014] Determine at least two conversion sub - centers corresponding to the resource conversion center, and obtain the platform conversion rate of each conversion sub - center;

[0015] Based on the platform conversion rate, screen out the target sub - center from at least two conversion sub - centers;

[0016] Query to obtain the reference conversion rate of the resource conversion center;

[0017] Calibrate the platform conversion rate of the target sub - center according to the reference conversion rate to obtain the second resource conversion rate.

[0018] In a possible implementation manner, the above - mentioned method further includes:

[0019] If the platform conversion rate of the conversion sub - center cannot be obtained, use the reference conversion rate as the second resource conversion rate.

[0020] In another possible implementation manner, the above - mentioned platform conversion rate includes the sub - conversion rate of converting the first resource type into the second resource type through the conversion sub - center and the validity period of the sub - conversion rate;

[0021] The above - mentioned screening out the target sub - center from at least two conversion sub - centers based on the platform conversion rate includes:

[0022] Based on the sub - conversion rate and the validity period of the sub - conversion rate, determine the conversion cost of the corresponding conversion sub - center;

[0023] From at least two conversion sub - centers, select the conversion sub - centers whose conversion costs are not greater than the preset cost threshold as the target sub - centers.

[0024] In another possible implementation, the above calibration of the platform conversion rate of the target sub - center according to the reference conversion rate to obtain the second resource conversion rate includes:

[0025] Determine the difference between the sub - conversion rate and the reference conversion rate;

[0026] When the difference is not greater than the preset threshold, use the sub - conversion rate as the second resource conversion rate;

[0027] When the difference is greater than the preset threshold, use the reference conversion rate as the second resource conversion rate.

[0028] In another possible implementation, the above method further includes:

[0029] Determine at least two resource conversion rate transfer objects corresponding to the conversion sub - centers at different levels;

[0030] Obtain the conversion difference between adjacent two - level resource conversion rate transfer objects during the exchange rate transfer process;

[0031] Based on the sub - conversion rate and the conversion difference, determine the resource conversion gain of each resource conversion rate transfer object.

[0032] In another possible implementation, the above method further includes:

[0033] Receive the confirmation transfer information from the client;

[0034] In response to the confirmation transfer information, verify the target resource conversion rate;

[0035] Based on the target resource conversion rate that passes the verification, obtain the resource information to be transferred from the resource conversion center;

[0036] Match the resource information to be transferred with the resource transfer request. When the match passes, based on the resource information to be transferred, perform resource interaction with the resource transfer - in center, the resource transfer - out center, and the resource conversion center to complete the resource transfer.

[0037] In another possible implementation, the above resource information to be transferred includes the first external transfer information corresponding to the resource transfer - out center, the second external transfer information corresponding to the resource transfer - in center, and the internal conversion information corresponding to the resource conversion center;

[0038] The above resource interaction with the resource transfer - in center, the resource transfer - out center, and the resource conversion center based on the resource information to be transferred includes:

[0039] Determine the sub-transfer information of each conversion sub-center corresponding to the resource conversion center based on the internal conversion information;

[0040] Perform resource interaction with each corresponding conversion sub-center according to the sub-transfer information;

[0041] Perform resource interaction with the resource transfer-out center according to the first external transfer information;

[0042] Perform resource interaction with the resource transfer-in center according to the second external transfer information.

[0043] According to another aspect of the embodiments of the present application, a resource transfer device is provided, and the device includes:

[0044] An acquisition module, configured to acquire a resource transfer request; wherein, the resource transfer request includes a resource transfer-out type and a resource transfer-in type; the resource transfer request is used to request to transfer resources from the resource transfer-out center to the resource transfer-in center;

[0045] A first query module, configured to query the first resource conversion rate corresponding to the resource transfer-out center; wherein, the first resource conversion rate is the conversion rate of the resource transfer-out type relative to the first resource type; the first resource type is the resource type adapted by the resource transfer-out center;

[0046] A determination module, configured to determine the second resource conversion rate corresponding to the resource conversion center based on the reference conversion rate provided by the resource conversion center and the platform conversion rates of at least two conversion sub-centers corresponding to the resource conversion center; wherein, the second resource conversion rate is the conversion rate of the first resource type corresponding to the second resource type; the second resource type is the resource type adapted by the resource transfer-in center;

[0047] A second query module, configured to query the third resource conversion rate corresponding to the resource transfer-in center; wherein, the third resource conversion rate is the conversion rate of the second resource type relative to the resource transfer-in type;

[0048] A calculation module, configured to calculate the target resource conversion rate from the resource transfer-out type to the resource transfer-in type according to the first resource conversion rate, the second resource conversion rate, and the third resource conversion rate;

[0049] A transfer module, configured to return the target resource conversion rate to the client, so that the client can confirm the resource transfer operation based on the target resource conversion rate.

[0050] In a possible implementation manner, when the above determination module determines the second resource conversion rate corresponding to the resource conversion center based on the reference conversion rate provided by the resource conversion center and the platform conversion rates of at least two conversion sub-centers corresponding to the resource conversion center, it is configured to:

[0051] Determine at least two conversion sub - centers corresponding to the resource conversion center, and obtain the platform conversion rate of each conversion sub - center;

[0052] Based on the platform conversion rate, screen out the target sub - center from at least two conversion sub - centers;

[0053] Query to obtain the reference conversion rate of the resource conversion center;

[0054] Calibrate the platform conversion rate of the target sub - center according to the reference conversion rate to obtain the second resource conversion rate.

[0055] In a possible implementation manner, the above - mentioned determination module is further configured to:

[0056] If the platform conversion rate of the conversion sub - center cannot be obtained, use the reference conversion rate as the second resource conversion rate.

[0057] In another possible implementation manner, the above - mentioned platform conversion rate includes the sub - conversion rate of converting the first resource type to the second resource type through the conversion sub - center and the validity period of the sub - conversion rate;

[0058] When the above - mentioned determination module screens out the target sub - center from at least two conversion sub - centers based on the platform conversion rate, it is configured to:

[0059] Based on the sub - conversion rate and the validity period of the sub - conversion rate, determine the conversion cost of the corresponding conversion sub - center;

[0060] Screen out the conversion sub - centers with conversion costs not greater than the preset cost threshold from at least two conversion sub - centers as the target sub - centers.

[0061] In another possible implementation manner, when the above - mentioned determination module calibrates the platform conversion rate of the target sub - center according to the reference conversion rate to obtain the second resource conversion rate, it is configured to:

[0062] Determine the difference between the sub - conversion rate and the reference conversion rate;

[0063] When the difference is not greater than the preset threshold, use the sub - conversion rate as the second resource conversion rate;

[0064] When the difference is greater than the preset threshold, use the reference conversion rate as the second resource conversion rate.

[0065] In another possible implementation manner, the above - mentioned device further includes a profit - sharing module, which is configured to:

[0066] Determine at least two resource conversion rate transfer objects at different levels corresponding to the conversion sub - center;

[0067] Obtain the conversion difference between adjacent two - level resource conversion rate transfer objects during the exchange rate transfer process;

[0068] Based on the sub - conversion rate and the conversion difference, determine the resource conversion gain of each resource conversion rate transfer object.

[0069] In another possible implementation, the above - mentioned transfer module is further configured to:

[0070] Receive the confirmation transfer information from the client;

[0071] In response to the confirmation transfer information, verify the target resource conversion rate;

[0072] Based on the target resource conversion rate that passes the verification, obtain the resource information to be transferred from the resource conversion center;

[0073] Match the resource information to be transferred with the resource transfer request. When the match is successful, based on the resource information to be transferred, perform resource interaction with the resource transfer - in center, the resource transfer - out center, and the resource conversion center to complete the resource transfer.

[0074] In another possible implementation, the above - mentioned resource information to be transferred includes the first external transfer information corresponding to the resource transfer - out center, the second external transfer information corresponding to the resource transfer - in center, and the internal conversion information corresponding to the resource conversion center;

[0075] When the above - mentioned transfer module performs resource interaction with the resource transfer - in center, the resource transfer - out center, and the resource conversion center based on the resource information to be transferred, it is configured to:

[0076] Determine the sub - transfer information of each conversion sub - center corresponding to the resource conversion center based on the internal conversion information;

[0077] Perform resource interaction with the corresponding conversion sub - centers according to the sub - transfer information;

[0078] Perform resource interaction with the resource transfer - out center according to the first external transfer information;

[0079] Perform resource interaction with the resource transfer - in center according to the second external transfer information.

[0080] According to another aspect of the embodiments of the present application, there is provided an electronic device, which includes: a memory, a processor, and a computer program stored on the memory. The above - mentioned processor executes the computer program to implement the steps of the method shown in the first aspect of the embodiments of the present application.

[0081] According to still another aspect of the embodiments of the present application, there is provided a computer - readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, it implements the steps of the method shown in the first aspect of the embodiments of the present application.

[0082] According to one aspect of the embodiments of the present application, there is provided a computer program product, which includes a computer program that, when executed by a processor, implements the steps of the method shown in the first aspect of the embodiments of the present application.

[0083] The beneficial effects brought by the technical solution provided by the embodiments of the present application are as follows:

[0084] In the embodiments of the present application, through the resource transfer center, the first resource conversion rate of the resource transfer type in the resource transfer request relative to the first resource type is obtained, where the first resource type is the resource type adapted by the resource transfer center; then, based on the reference conversion rate provided by the resource conversion center and the platform conversion rates of at least two conversion sub - centers, the second resource conversion rate corresponding to the resource conversion center is determined; the second resource conversion rate is the conversion rate of the first resource type corresponding to the second resource type; then, through the resource transfer - in center, the third resource conversion rate of the second resource type relative to the resource transfer - in type is obtained; furthermore, according to the first resource conversion rate, the second resource conversion rate, and the third resource conversion rate, the target resource conversion rate from the resource transfer type to the resource transfer - in type is calculated; the target resource conversion rate is returned to the client so that the client can confirm the resource transfer operation based on the target resource conversion rate. At the same time, since the second resource conversion rate is determined based on the reference conversion rate and the platform conversion rates of at least two conversion sub - centers, the flexibility and reliability of resource conversion can be effectively improved.

[0085] Furthermore, in the embodiments of the present application, by docking with the resource conversion center, the resource transfer from the resource transfer center to the resource transfer - in center is realized; when the resource types adapted by the resource transfer center and the resource transfer - in center are inconsistent, for example, the area where the receiving bank (i.e., the resource transfer - in center) is located is an area with foreign exchange control and it cannot receive the currency type (the first resource type) transferred by the paying bank (i.e., the resource transfer center), resource conversion can be carried out through the resource conversion center, and the resource transfer task from the resource transfer center to the resource transfer - in center can be completed according to the resource transfer request; it avoids the situation where resource transfer cannot be realized due to incompatible resource types and effectively improves the user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0086] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the following will briefly introduce the drawings required for the description of the embodiments of the present application.

[0087] Figure 1 It is a schematic diagram of the application scenario of a resource transfer method provided by the embodiments of the present application;

[0088] Figure 2 It is a schematic flowchart of a resource transfer method provided by the embodiments of the present application;

[0089] Figure 3Schematic flowchart for determining the second resource conversion rate in a resource transfer method provided by an embodiment of this application;

[0090] Figure 4 Schematic flowchart for determining the conversion cost in a resource transfer method provided by an embodiment of this application;

[0091] Figure 5 Another schematic flowchart for determining the second resource conversion rate in a resource transfer method provided by an embodiment of this application;

[0092] Figure 6 Schematic diagram for profit sharing of resource conversion gain in a resource transfer method provided by an embodiment of this application;

[0093] Figure 7 Timing diagram for resource transfer in a resource transfer method provided by an embodiment of this application;

[0094] Figure 8 Schematic flowchart for a resource transfer method of an example provided by an embodiment of this application;

[0095] Figure 9 Schematic structural diagram of a resource transfer device provided by an embodiment of this application;

[0096] Figure 10 Schematic structural diagram of a resource transfer electronic device provided by an embodiment of this application. Detailed implementation manners

[0097] The embodiments of this application will be described below with reference to the accompanying drawings in this application. It should be understood that the implementation manners described below in conjunction with the drawings are exemplary descriptions for explaining the technical solutions of the embodiments of this application, and do not constitute limitations on the technical solutions of the embodiments of this application.

[0098] Those skilled in the art can understand that, unless specifically stated otherwise, the singular forms "a", "an", "the", and "said" used herein may also include the plural forms. It should be further understood that the terms "including" and "comprising" used in the embodiments of the present application mean that the corresponding features can be implemented as the presented features, information, data, steps, operations, elements, and / or components, but do not exclude the implementation of other features, information, data, steps, operations, elements, components, and / or their combinations supported by the technical field of the present application. It should be understood that when we say an element is "connected" or "coupled" to another element, the one element can be directly connected or coupled to the other element, or it can mean that the one element and the other element establish a connection relationship through an intermediate element. In addition, the "connection" or "coupling" used herein can include wireless connection or wireless coupling. The term "and / or" used herein indicates at least one of the items defined by the term, for example, "A and / or B" can be implemented as "A", or implemented as "B", or implemented as "A and B".

[0099] To make the objectives, technical solutions, and advantages of the present application clearer, the following will further describe the embodiments of the present application in detail with reference to the accompanying drawings.

[0100] Optionally, the resource transfer method provided by the embodiments of the present application can be implemented based on artificial intelligence technology. For example, the target resource conversion rate from the resource transfer type to the resource transfer-in type can be calculated based on machine learning.

[0101] Artificial Intelligence (AI) is a theory, method, technology, and application system that uses digital computers or machines controlled by digital computers to simulate, extend, and expand human intelligence, perceive the environment, acquire knowledge, and use knowledge to obtain the best results. In other words, artificial intelligence is a comprehensive technology in computer science. It attempts to understand the essence of intelligence and produce a new intelligent machine that can respond in a way similar to human intelligence. Artificial intelligence also studies the design principles and implementation methods of various intelligent machines, enabling the machines to have the functions of perception, reasoning, and decision-making.

[0102] Artificial intelligence technology is an interdisciplinary subject with a wide range of fields, including both hardware-level technologies and software-level technologies. The basic technologies of artificial intelligence generally include technologies such as sensors, dedicated artificial intelligence chips, cloud computing, distributed storage, big data processing technology, operation / interaction systems, and mechatronics. The software technologies of artificial intelligence mainly include several major directions such as computer vision technology, speech processing technology, natural language processing technology, and machine learning / deep learning.

[0103] Machine Learning (ML) is an interdisciplinary field that involves multiple disciplines such as probability theory, statistics, approximation theory, convex analysis, and algorithm complexity theory. It specifically studies how computers can simulate or implement human learning behaviors to acquire new knowledge or skills and reorganize the existing knowledge structure to continuously improve their own performance. Machine learning is the core of artificial intelligence and the fundamental way to make computers intelligent, and its applications cover all fields of artificial intelligence. Machine learning and deep learning usually include technologies such as artificial neural networks, belief networks, reinforcement learning, transfer learning, inductive learning, and rote learning.

[0104] Optionally, the resource transfer method provided in the embodiments of the present application can be implemented based on a foreign exchange trading institution. For example, the resource conversion center can be a foreign exchange trading platform.

[0105] A foreign exchange trading platform refers to some independent dealers with certain strength and reputation in the foreign exchange market. They continuously quote the buying and selling prices of currencies (i.e., two-way quotes) 24 hours a day except on holidays and accept the buying and selling requests of investors at this price. The platform can hold its own funds to trade with investors. When the market trading is scarce, the buyer and seller do not need to wait for the counterparty to appear. As long as the platform comes forward to act as the counterparty of the transaction, the transaction can be completed. In this way, an uninterrupted buying and selling is formed to maintain the liquidity of the market. Generally speaking, a foreign exchange trading platform is a place for foreign exchange trading.

[0106] Exchange control, also known as foreign exchange control, refers to various restrictions and controls imposed by a country's government or central bank on foreign exchange transactions and cross-border capital flows. These controls may include the following forms:

[0107] 1. Transaction restrictions: The government or central bank may limit the quantity or amount of foreign exchange transactions carried out by individuals and enterprises, or restrict certain types of foreign exchange transactions.

[0108] 2. Capital flow restrictions: The government or central bank may restrict cross-border capital flows. For example, it may restrict investors from investing funds overseas, or restrict overseas investors from investing funds in the country.

[0109] 3. Exchange rate control: The government or central bank may intervene in the foreign exchange market to control the exchange rate of the domestic currency. This may be achieved by directly setting the exchange rate or by buying and selling foreign exchange to affect the exchange rate.

[0110] The purpose of exchange control is usually to protect the economic and financial stability of the country, prevent large-scale capital outflows, or prevent excessive depreciation of the domestic currency.

[0111] In regions with foreign exchange control, according to local laws, regulations or regulatory requirements, third-party payment institutions are not allowed to apply for licenses or open bank accounts, making it impossible for them to expand the supported currencies and regions.

[0112] The resource transfer method, device, electronic device and computer-readable storage medium provided by this application are intended to solve the above technical problems in the prior art.

[0113] The technical solutions of the embodiments of this application and the technical effects produced by the technical solutions of this application will be described below through the description of several exemplary embodiments. It should be noted that the following embodiments can refer to, draw on or combine with each other. For the same terms, similar features and similar implementation steps in different embodiments, they will not be described repeatedly.

[0114] As Figure 1 shown, the resource transfer method of this application can be applied to Figure 1 the scenario shown. Specifically, the server 102 obtains a resource transfer request sent by the client 101. In response to the resource transfer request, it queries the first resource conversion rate corresponding to the resource transfer center and relative to the first resource type. Then, the server 102 determines the second resource conversion rate corresponding to the resource transfer center and relative to the second resource type based on the reference conversion rate provided by the resource conversion center and the platform conversion rates of at least two conversion sub-centers corresponding to the resource conversion center. Then, based on the query of the resource transfer-in center, it queries the third resource conversion rate of the second resource type relative to the resource transfer-in type. Furthermore, based on the first resource conversion rate, the second resource conversion rate and the third resource conversion rate, it calculates the target resource conversion rate from the resource transfer-out type to the resource transfer-in type. The server 102 returns the target resource conversion rate to the client 101 so that the client 101 can determine whether to perform a resource transfer operation based on the target resource conversion rate.

[0115] Figure 1 In the scenario shown, the above resource transfer method can be performed in the server. In other scenarios, it can also be performed in the terminal.

[0116] Those skilled in the art of this technology can understand that the "terminal" used here can be a mobile phone, a tablet computer, a PDA (Personal Digital Assistant), a MID (Mobile Internet Device), a smart voice interaction device, a smart home appliance, a vehicle-mounted terminal, an aircraft, etc. The embodiments of the present invention can be applied to various scenarios, including but not limited to cloud technology, artificial intelligence, intelligent transportation, assisted driving, etc. The "server" can be implemented by an independent server or a server cluster composed of multiple servers.

[0117] In an embodiment of the present application, a resource transfer method is provided. As Figure 2 shown, it can be applied to a server or a terminal for resource transfer. The method includes:

[0118] S201. Obtain a resource transfer request.

[0119] Among them, the resource transfer request includes a resource transfer-out type and a resource transfer-in type; the resource transfer request is used to request to transfer resources from a resource transfer-out center to a resource transfer-in center. When the resource is currency, its resource transfer-out type or resource transfer-in type can be currency types of different countries. The resource transfer-out center can be the paying bank corresponding to the payer, and the above-mentioned resource transfer-in center can be the receiving bank corresponding to the payee.

[0120] Specifically, a server or a terminal for resource transfer can obtain a resource transfer request sent from a client based on a wired or wireless connection. Among them, the resource transfer request can be generated by the client based on a user's triggering operation.

[0121] In an embodiment of the present application, the server or the terminal for resource transfer can be the server or the terminal corresponding to a third-party payment platform. The payer can transfer a currency of an agreed amount to the payee through the third-party payment platform. The currency paid by the payer can be currency X, and the currency received by the corresponding payee can be currency Y; the corresponding resource transfer request can be: transfer the preset amount of currency X owned by the payer to the bank account of bank B corresponding to the payee through bank A, and bank B receives currency Y equivalent to the above-mentioned currency X.

[0122] S202. Query the first resource conversion rate corresponding to the resource transfer-out center.

[0123] Among them, the first resource conversion rate is the conversion rate of the resource transfer-out type relative to the first resource type; the first resource type is the resource type adapted by the resource transfer-out center.

[0124] Specifically, a server or a terminal for resource transfer can obtain the first resource type adapted by the resource transfer-out center and send a query message to the resource transfer-out center. In response to the query message, the resource transfer-out center returns the first resource conversion rate of the resource transfer-out type relative to the first resource type to the server or the terminal for resource transfer.

[0125] In an embodiment of the present application, taking the resource transfer-out type as currency X as an example, the first resource type can be currency Z, and the first resource conversion rate can be the exchange rate of currency X exchanged for currency Z corresponding to the resource transfer-out center.

[0126] S203. Determine the second resource conversion rate corresponding to the resource conversion center based on the reference conversion rate provided by the resource conversion center and the platform conversion rates of at least two conversion sub - centers corresponding to the resource conversion center.

[0127] Among them, the second resource conversion rate is the conversion rate of the first resource type corresponding to the second resource type; the second resource type is the resource type adapted by the resource transfer center and is also adapted to the resource conversion center. There can be multiple cooperation centers corresponding to this resource conversion center: conversion sub - centers and information - providing centers. The above - mentioned conversion sub - centers can provide corresponding platform conversion rates, and the platform conversion rate is the conversion rate of the first resource type provided by the conversion sub - center corresponding to the second resource type; the above - mentioned information - providing center can be used to determine the reference conversion rate.

[0128] Furthermore, the above - mentioned resource conversion center is used to convert resources of the first resource type into resources of the second resource type. The above - mentioned resource conversion center can be a foreign exchange trading platform, which can realize the exchange rate (i.e., resource conversion rate) quotation and trading (i.e., conversion) between different currencies (i.e., resource types). There can be multiple cooperation institutions corresponding to the above - mentioned foreign exchange trading platform, such as banks (i.e., conversion sub - centers) and news agencies (information - providing centers). Each bank has a corresponding currency exchange rate (i.e., platform conversion rate), and the above - mentioned news agency is used to provide foreign exchange market information and provide the overall reference exchange rate of the market (i.e., reference conversion rate).

[0129] In the embodiment of the present application, the third - party payment platform can subscribe to the exchange rate information of each bank based on the foreign exchange trading platform; at the same time, there is also a cooperating news agency on the foreign exchange trading platform to obtain market information. Among them, the exchange rate information of each bank can be updated in real - time based on market changes. For example, each bank can update its own exchange rate information every 15s and push it to the third - party payment platform.

[0130] Specifically, the server or terminal for resource transfer can obtain in real - time the platform conversion rates of each conversion sub - center corresponding to the resource conversion center and the reference conversion rate provided by the information - providing center corresponding to the resource conversion center, then screen the target sub - center from at least two conversion sub - centers based on the platform conversion rate, and then determine the second resource conversion rate based on the platform conversion rate corresponding to the target sub - center and the reference conversion rate; among them, the conversion cost corresponding to the above - mentioned target sub - center is not greater than the preset cost threshold.

[0131] S204. Query the third resource conversion rate corresponding to the resource transfer center.

[0132] Among them, the third resource conversion rate is the conversion rate of the second resource type relative to the resource transfer type.

[0133] Specifically, the server or terminal for resource transfer can query the conversion rate information table provided by the resource transfer-in center based on the identifier of the second resource type to obtain the third resource conversion rate of the second resource type relative to the resource transfer-in type.

[0134] In the embodiment of the present application, taking the resource transfer-out type as X currency and the resource transfer-in type as Y currency as an example, the first resource type can be Z currency, and the first resource conversion rate can be the exchange rate of X currency to Z currency corresponding to the resource transfer-out center; the second resource type can be U currency, and the second resource conversion rate can be the exchange rate of Z currency to U currency provided by the resource conversion center; the third resource conversion rate can be the exchange rate of U currency to Y currency provided by the resource transfer-in center.

[0135] S205, calculate the target resource conversion rate from the resource transfer-out type to the resource transfer-in type according to the first resource conversion rate, the second resource conversion rate, and the third resource conversion rate; return the target resource conversion rate to the client so that the client can confirm the resource transfer operation based on the target resource conversion rate.

[0136] Among them, the target resource conversion rate can be calculated based on an artificial neural network; the target resource conversion rate is the conversion rate that can be actually perceived by the client user, and the client user can determine whether to perform a resource transfer operation based on the target resource conversion rate.

[0137] Specifically, taking the convolutional neural network model (i.e., the conversion model) as an example, the server or terminal for resource transfer can input the first resource conversion rate, the second resource conversion rate, and the third resource conversion rate into the pre-trained conversion model, and the conversion model performs the following operations to output the target resource conversion rate:

[0138] Through the input layer of the conversion model, convert the first resource conversion rate, the second resource conversion rate, and the third resource conversion rate into resource conversion vectors; perform feature weighting on the resource conversion vectors based on the middle layer of the conversion model to obtain an enhanced vector; among them, the enhanced vector is used to represent the correlation features of the first resource conversion rate, the second resource conversion rate, and the third resource conversion rate; finally, perform a function operation on the enhanced vector according to the output layer of the conversion model to obtain the target resource conversion rate.

[0139] In the embodiment of the present application, as queried from the payment bank, the remittance exchange rate from X currency to Z currency is 0.0974 (i.e., the first resource conversion rate a1), that is, 1 unit of X currency is equivalent to 0.0974 units of Z currency; then, based on the foreign exchange trading platform, it can be determined that the customer exchange rate quote from Z currency to U currency is 1.3131 (i.e., the second resource conversion rate a2); at the same time, as queried from the receiving bank, the inward remittance exchange rate from U currency to Y currency is 54.36 (i.e., the third resource conversion rate a3); the first resource conversion rate, the second resource conversion rate, and the third resource conversion rate can be multiplied in sequence to obtain the target resource conversion rate a:

[0140] a = a1 * a2 * a3 = 0.0974 * 1.3131 * 54.36 = 6.9533;

[0141] Then, based on the above first resource conversion rate, second resource conversion rate, and third resource conversion rate, it can be calculated that the actual exchange rate that the user needs to pay from X currency to Y currency is 6.9533, that is, for each unit of X currency remitted by the payer, the payee can receive 6.9533 units of Y currency.

[0142] In the embodiment of the present application, through the resource transfer center query, the first resource conversion rate of the resource transfer type in the resource transfer request relative to the first resource type is obtained, and the first resource type is the resource type adapted by the resource transfer center; then, based on the reference conversion rate provided by the resource conversion center and the platform conversion rates of at least two conversion sub - centers, the second resource conversion rate corresponding to the resource conversion center is determined; the second resource conversion rate is the conversion rate of the first resource type corresponding to the second resource type; then, through the resource receiving center query, the third resource conversion rate of the second resource type relative to the resource receiving type is obtained; furthermore, according to the first resource conversion rate, the second resource conversion rate, and the third resource conversion rate, the target resource conversion rate from the resource transfer type to the resource receiving type is calculated; the target resource conversion rate is returned to the client so that the client can confirm the resource transfer operation based on the target resource conversion rate. At the same time, since the second resource conversion rate is determined based on the reference conversion rate and the platform conversion rates of at least two conversion sub - centers, the flexibility and reliability of resource conversion can be effectively improved.

[0143] Furthermore, in the embodiments of the present application, by docking with the resource conversion center, the resource transfer from the resource transfer center to the resource transfer center is realized; when the resource types adapted by the resource transfer center and the resource transfer center are inconsistent, for example, the area where the receiving bank (i.e., the resource transfer center) is located is a foreign exchange control area and it cannot receive the currency type (the first resource type) transferred by the paying bank (i.e., the resource transfer center), resource conversion can be performed through the resource conversion center, and the resource transfer task from the resource transfer center to the resource transfer center can be completed according to the resource transfer request; it avoids the inability to achieve resource transfer due to incompatible resource types and effectively improves the user experience.

[0144] A possible implementation manner is provided in the embodiments of the present application. As Figure 3 shown, determining the second resource conversion rate corresponding to the resource conversion center based on the reference conversion rate provided by the resource conversion center and the platform conversion rates of at least two conversion sub - centers corresponding to the resource conversion center includes:

[0145] S301, determine at least two conversion sub - centers corresponding to the resource conversion center, and obtain the platform conversion rate of each conversion sub - center.

[0146] Among them, the platform conversion rate is the conversion rate of the first resource type corresponding to the second resource type provided by the corresponding conversion sub - center.

[0147] Furthermore, when the resource conversion center is a foreign exchange trading platform, its corresponding conversion sub - centers can be banks or other financial institutions cooperatively bound with the foreign exchange trading platform; each bank can determine the currency exchange rate corresponding to it based on its actual operation situation.

[0148] S302, based on the platform conversion rate, screen out the target sub - center from at least two conversion sub - centers.

[0149] Specifically, the server or terminal for resource transfer can determine the conversion cost of the corresponding conversion sub - center according to the platform conversion rate, and screen out the target sub - center from at least two conversion sub - centers based on the conversion cost; the specific calculation method of the conversion cost will be introduced in detail below.

[0150] S303, query to obtain the reference conversion rate of the resource conversion center.

[0151] Among them, the above - mentioned reference conversion rate can be the reference exchange rate of the overall foreign exchange market.

[0152] Specifically, the server or terminal for resource transfer can determine the information - providing center corresponding to the resource conversion center, and then query through the information - providing center based on the first resource type and the second resource type to obtain the corresponding reference conversion rate.

[0153] Further, the above information providing center may include a news agency or a radio station, which is not specifically limited in the embodiments of the present application. The information providing center may be a unit associated with the resource conversion center, and is used to provide market information and real-time news for the resource conversion center.

[0154] S304. Calibrate the platform conversion rate of the target sub-center according to the reference conversion rate to obtain the second resource conversion rate.

[0155] Specifically, the server or terminal for resource transfer can determine the difference between the reference conversion rate and the platform conversion rate of the target sub-center, and calibrate the platform conversion rate of the target sub-center based on this difference to obtain the second resource conversion rate.

[0156] In the embodiments of the present application, due to network or system problems, there may be errors in the platform reference rates provided by each conversion sub-center. The present application calibrates the platform conversion rates of each conversion sub-center through the information providing center associated with the resource conversion center, avoiding the problem of inaccurate second resource conversion rates caused by network lag or system failures.

[0157] A possible implementation manner is provided in the embodiments of the present application. The above method further includes:

[0158] If the platform conversion rate of the conversion sub-center cannot be obtained, the reference conversion rate is used as the second resource conversion rate.

[0159] In the embodiments of the present application, due to reasons such as unstable network or system holidays in each conversion sub-center, the server or terminal for resource transfer cannot obtain the platform conversion rate. At this time, the reference conversion rate can be directly used as the second resource conversion rate to ensure the calculation and quotation of subsequent target conversion rates.

[0160] In the embodiments of the present application, the second resource conversion rate is determined through multiple conversion sub-centers and information providing centers associated with the resource conversion center, which can ensure the reliability of the platform conversion rates provided by each conversion sub-center. At the same time, the platform conversion of the target sub-center is calibrated according to the reference exchange rate provided by the information providing center, fully considering the conversion rate market conditions of the overall market. At the same time, when the platform conversion rate of the conversion sub-center cannot be obtained, the reference conversion rate is directly used as the second resource conversion rate, further improving the accuracy of the second resource conversion rate and laying a good foundation for the subsequent calculation of the conversion rate.

[0161] A possible implementation manner is provided in the embodiments of the present application. The above platform conversion rate includes the sub-conversion rate of converting the first resource type into the second resource type through the conversion sub-center and the validity period of the sub-conversion rate.

[0162] In an embodiment of the present application, taking the first resource type as Z coins and the second resource type as U coins as an example, the sub-conversion rate may include the buying exchange rate for converting Z coins into U coins and the selling exchange rate for converting Z coins into U coins. Generally, the validity period of the sub-conversion rate may be 24 hours. The above-mentioned buying exchange rate is often less than the selling exchange rate to ensure the profit of financial institutions (i.e., conversion sub-centers) in the foreign exchange trading platform, and this profit can also be used as the conversion cost for resource transfer.

[0163] The above-mentioned screening of the target sub-center from at least two conversion sub-centers based on the platform conversion rate includes:

[0164] S401. Determine the conversion cost of the corresponding conversion sub-center based on the sub-conversion rate and the validity period of the sub-conversion rate.

[0165] Among them, the above-mentioned validity period can be determined in advance by the client. The corresponding sub-conversion rate can be queried based on the validity period. The longer the validity period, the lower the corresponding sub-conversion rate. When the sub-conversion rate corresponding to the validity period cannot be queried based on the conversion sub-center, the sub-conversion rate associated with the longest validity period corresponding to the sub-conversion center can be obtained.

[0166] In an embodiment of the present application, as Figure 4 shown, the server or terminal for resource transfer can determine the validity period of the resource transfer, and then query the sub-conversion rate corresponding to this validity period; its sub-conversion rate may include the incoming sub-conversion rate and the outgoing sub-conversion rate of the conversion sub-center; the incoming and outgoing difference value of the resource can be calculated based on the incoming sub-conversion rate and the outgoing sub-conversion rate, and the above-mentioned incoming and outgoing difference value is used as the conversion cost.

[0167] S402. Screen out the conversion sub-centers whose conversion costs are not greater than the preset cost threshold from at least two conversion sub-centers as the target sub-centers.

[0168] Among them, the minimum value of the conversion costs in each conversion sub-center can be used as the cost threshold.

[0169] In some other embodiments, the server or terminal for resource transfer can sort the corresponding conversion sub-centers in ascending order of the conversion cost, and use the conversion sub-center ranked first as the target sub-center.

[0170] In the embodiment of the present application, the conversion cost of the corresponding conversion sub-center is calculated through the sub-conversion rate and the validity period of each conversion sub-center, and then the target sub-center is screened out from each conversion sub-center based on the conversion cost. That is, it meets the requirement of the client's quote validity period, and can also select the target sub-center with a lower conversion cost according to the sub-conversion rate and the validity period, controls the input cost of resource conversion, and realizes the accurate conversion of each resource type.

[0171] A possible implementation is provided in the embodiments of the present application, as follows Figure 5 As shown, calibrating the platform conversion rate of the target sub-center according to the reference conversion rate to obtain the second resource conversion rate includes:

[0172] S501, determining the difference between the sub-conversion rate and the reference conversion rate.

[0173] Among them, the reference conversion rate can be obtained based on the information providing center associated with the resource conversion center.

[0174] S502, when the difference is not greater than the preset threshold, taking the sub-conversion rate as the second resource conversion rate; when the difference is greater than the preset threshold, taking the reference conversion rate as the second resource conversion rate.

[0175] In the embodiments of the present application, taking the resource as the delivery period as an example, the reference conversion rate can represent the reference exchange rate of the overall foreign exchange market, which can reflect the current latest foreign exchange market conditions. When the difference between the sub-conversion rate and the reference conversion rate is greater than the preset threshold, it indicates that the current sub-conversion rate is inaccurate and unreliable. For example, there is an error in the system platform during the sub-conversion. Therefore, the sub-conversion rate can be calibrated based on the reference conversion rate to improve the accuracy of the obtained second resource conversion rate.

[0176] A possible implementation is provided in the embodiments of the present application. The above method further includes:

[0177] S601, determining at least two resource conversion rate transfer objects at different levels corresponding to the conversion sub-center.

[0178] Among them, taking the resource transfer operation as an example of cross-border payment on a third-party payment platform, the conversion sub-center is the bank associated with the foreign exchange trading platform. The corresponding resource conversion rate transfer objects at different levels can include the third-party payment platform, the business services of the platform, and the merchants settled on the platform; the levels of the above three objects decrease in turn, and the transfer direction of the resource conversion rate is in decreasing order of levels.

[0179] S602, obtaining the conversion difference between adjacent two-level resource conversion rate transfer objects during the exchange rate transfer process.

[0180] In the embodiments of the present application, the above conversion difference may include a conversion subsidy and / or a conversion discount. For example, enterprise foreign exchange business services need to provide prices at different markup levels to different merchants. As a merchant, foreign currency remittance needs to provide different prices to different users. In the process of the third-party payment platform obtaining and distributing exchange rates from the foreign exchange market, the exchange rates pass through the business layer and the merchant layer in sequence and finally reach the users. In this top-down exchange rate transmission process, each level can adjust the exchange rate by adding a markup / discount, and then charge fees / provide discounts to the downstream. Therefore, the profits and losses in the resource transfer process also need to be allocated to the three different levels of the third-party payment platform, business services, and merchants. For example, the income from locking prices and covering risks with markups is allocated to the third-party payment platform, and the subsidy for user coupons is paid by the merchant, etc.

[0181] S603. Based on the sub-conversion rate and the conversion difference, determine the resource conversion gain of each resource conversion rate transfer object.

[0182] Among them, the above resource conversion gain may be the gain of the resource conversion rate transfer object.

[0183] As Figure 6 shown, determining the resource conversion gain is the schematic diagram of the third-party payment platform for hierarchical accounting. The paying user requests a remittance of 100 X coins. The third-party trading platform quotes the exchange rate to the paying user on the client side, that is, the exchange rate from X coins to Y coins is 0.9 (i.e., the target resource conversion rate). The actual transaction of the third-party trading platform with the bank in the foreign exchange market is: selling 100 X coins and buying 90 Y coins. In the process of the third-party payment platform's accounting, the merchant layer provides a coupon subsidy of 5 X coins. At this time, the service fee income of the business service layer is 5 X coins, the handling fee income of the third-party payment platform is 2 X coins, and the income of the merchant is 0. The above income is the resource conversion gain.

[0184] Actually, the third-party payment platform sells 98 X in the foreign exchange market and buys 90 Y, and can calculate the exchange rate conversion cost based on the real-time exchange rate of the bank (i.e., the sub-conversion rate).

[0185] In the embodiments of the present application, by grading the resource conversion rate transfer objects, determining the resource gains and losses of objects at different levels in the resource transfer process, and then determining the resource conversion gain of each resource conversion rate transfer object, the hierarchical accounting of different levels in the resource conversion and transfer process is realized. It effectively enhances the diversity and flexibility of resource transfer.

[0186] A possible implementation manner is provided in the embodiments of the present application. As Figure 7 shown, the above method further includes:

[0187] S701, receive the confirmation transfer information from the client; in response to the confirmation transfer information, verify the target resource conversion rate.

[0188] Among them, the confirmation transfer information carries the target resource conversion rate and the corresponding resource conversion quantity.

[0189] Specifically, for the server or terminal used for resource transfer, after returning the target resource conversion rate to the client, it can store the target resource conversion rate in a preset database; when the client receives the target resource conversion rate and sends the confirmation transfer information to the server or terminal for resource transfer, the server or terminal for resource transfer can verify the target resource conversion rate carried in the confirmation transfer information based on the information previously stored in the database.

[0190] S702, based on the verified target resource conversion rate, obtain the resource information to be transferred from the resource conversion center.

[0191] Specifically, when the target resource conversion rate carried in the confirmation transfer information is consistent with the information previously stored in the database, the verification of the target resource conversion rate carried in the confirmation transfer information passes. The server or terminal used for resource transfer can determine the resource information to be transferred based on the target resource conversion rate and the resource conversion quantity, and obtain the resource information to be transferred from the resource conversion center.

[0192] S703, match the resource information to be transferred with the resource transfer request. When the match passes, based on the resource information to be transferred, perform resource interaction with the resource transfer-in center, resource transfer-out center, and resource conversion center to complete the resource transfer.

[0193] Specifically, the server or terminal used for resource transfer can compare the resource type to be transferred in the resource information to be transferred with the resource transfer-in type in the resource transfer request. When the two are the same, the resource information to be transferred matches the resource transfer request.

[0194] In the embodiment of the present application, by receiving the confirmation transfer information from the client, the target resource conversion rate is reconfirmed, and the resource information to be transferred is obtained from the resource conversion center. Then, when the resource information to be transferred matches the resource transfer request, resource interaction is performed with the resource transfer-in center, resource transfer-out center, and resource conversion center, realizing the resource transfer operation based on the resource conversion center, avoiding the problem that resource transfer cannot be achieved due to inappropriate resource types, and improving the accuracy and effectiveness of the conversion rate in the resource transfer process.

[0195] In an embodiment of the present application, a possible implementation manner is provided. The above-mentioned resource information to be transferred includes the first external transfer information corresponding to the resource transfer center, the second external transfer information corresponding to the resource receiving center, and the internal conversion information corresponding to the resource conversion center.

[0196] Based on the above-mentioned resource information to be transferred, resource interaction with the resource receiving center, the resource transfer center, and the resource conversion center includes:

[0197] S801, determining the sub-transfer information of each conversion sub-center corresponding to the resource conversion center based on the internal conversion information; performing resource interaction with the corresponding conversion sub-centers according to the sub-transfer information.

[0198] Among them, the above-mentioned internal conversion information is used to represent the resource conversion information of the resource conversion center; the sub-transfer information of its conversion sub-centers may include the resource conversion type, the conversion rate corresponding to the resource conversion type, and the expiration date corresponding to the resource conversion rate.

[0199] S802, performing resource interaction with the resource transfer center according to the first external transfer information; performing resource interaction with the resource receiving center according to the second external transfer information.

[0200] Among them, the first external transfer information may include the resource transfer quantity, transfer time, resource transfer type, transfer account, etc.; the above-mentioned second external transfer information may include the resource receiving quantity, receiving time, resource receiving type, receiving account, etc.

[0201] In an embodiment of the present application, through the resource information to be transferred, the first external transfer information corresponding to the resource transfer center, the second external transfer information corresponding to the resource receiving center, and the internal conversion information corresponding to the resource conversion center are determined, and then based on the above-mentioned transfer information, resource interaction with the resource receiving center, the resource transfer center, and the resource conversion center is realized to complete resource transfer, effectively improving the resource transfer efficiency and realizing hierarchical and precise resource transfer.

[0202] To better understand the above-mentioned resource transfer method, the following is combined with Figure 8 A detailed example of the resource transfer method of the present application is elaborated. In an embodiment of the present application, the resource transfer may be an international foreign exchange transfer. The method includes the following steps:

[0203] S901, the third-party payment platform 801 obtains an international foreign exchange transfer request sent from the client 802.

[0204] Among them, the international foreign exchange transfer request includes the currency transfer type and the currency receiving type.

[0205] Specifically, the above foreign exchange transfer request may be: transferring a preset amount of X currency owned by the payer to the account of the receiving bank B corresponding to the payee through the paying bank A, and the receiving bank B receives Y currency equivalent to the above X currency.

[0206] S902. Query the first exchange rate corresponding to the paying bank 803.

[0207] Among them, the paying bank is adapted to the first currency type; the first exchange rate may be the exchange rate of the currency transfer type relative to the first currency type.

[0208] S903. Determine at least two banks associated with the foreign exchange trading platform 804, and obtain the platform exchange rate of each bank.

[0209] Among them, each bank may be adapted to the second currency type; the platform exchange rate may be the exchange rate of the first currency type relative to the second currency type.

[0210] S904. Determine the exchange rate conversion cost of the corresponding bank according to the platform exchange rate and the validity period of the platform exchange rate; screen out the banks with the exchange rate conversion cost not greater than the preset cost threshold from at least two banks as the target banks.

[0211] Specifically, taking the first currency type as Z currency and the second currency type as U currency as an example, the platform exchange rate may include the buying exchange rate of Z currency for U currency and the selling exchange rate of Z currency for U currency. Usually, the validity period of the platform exchange rate may be 24 hours. The above buying exchange rate is often less than the selling exchange rate to ensure the profit of financial institutions (i.e., banks) in the foreign exchange trading platform, and this profit can be used as the exchange rate conversion cost of foreign exchange conversion.

[0212] S905. Determine the information providing center corresponding to the foreign exchange trading platform 804, and then query through the information providing center based on the first currency type and the second currency type to obtain the overall reference exchange rate of the corresponding foreign exchange market.

[0213] Among them, the above information providing center may include news agencies or radio stations.

[0214] S906. Determine the difference between the reference exchange rate and the platform exchange rate of the target bank, and calibrate the platform exchange rate of the target bank based on this difference to obtain the second exchange rate.

[0215] Among them, the second exchange rate is the conversion rate of the first currency type corresponding to the second currency type; the second currency type is the currency type adapted by the receiving bank.

[0216] S907. Query the third exchange rate corresponding to the receiving bank 805.

[0217] Among them, the third exchange rate is the exchange rate of the second currency type relative to the currency transfer type.

[0218] S908 calculates the target exchange rate from the currency transfer type to the currency transfer-in type according to the first exchange rate, the second exchange rate, and the third exchange rate, and returns the target exchange rate to the client 802;

[0219] S909 The client 802 receives the target exchange rate to determine to perform a remittance operation.

[0220] In the embodiment of the present application, through querying by the resource transfer-out center, the first resource conversion rate of the resource transfer-out type in the resource transfer request relative to the first resource type is obtained, and the first resource type is the resource type adapted by the resource transfer-out center; then based on the reference conversion rate provided by the resource conversion center and the platform conversion rates of at least two conversion sub-centers, the second resource conversion rate corresponding to the resource conversion center is determined; the second resource conversion rate is the conversion rate of the first resource type corresponding to the second resource type; then through querying by the resource transfer-in center, the third resource conversion rate of the second resource type relative to the resource transfer-in type is obtained; furthermore, according to the first resource conversion rate, the second resource conversion rate, and the third resource conversion rate, the target resource conversion rate from the resource transfer-out type to the resource transfer-in type is calculated; the target resource conversion rate is returned to the client so that the client can confirm the resource transfer operation based on the target resource conversion rate. At the same time, since the second resource conversion rate is determined based on the reference conversion rate and the platform conversion rates of at least two conversion sub-centers, the flexibility and reliability of resource conversion can be effectively improved.

[0221] Furthermore, in the embodiment of the present application, through docking with the resource conversion center, the resource transfer from the resource transfer-out center to the resource transfer-in center is realized; when the resource types adapted by the resource transfer-out center and the resource transfer-in center are inconsistent, for example, the area where the receiving bank (i.e., the resource transfer-in center) is located is a foreign exchange control area and it cannot receive the currency type (the first resource type) transferred by the paying bank (i.e., the resource transfer-out center), resource conversion can be performed through the resource conversion center, and the transfer task of the resource from the resource transfer-out center to the resource transfer-in center can be completed according to the resource transfer request; it avoids the inability to achieve resource transfer due to incompatible resource types and effectively improves the user experience.

[0222] The embodiment of the present application provides a resource transfer device, as Figure 9 shown, the resource transfer device 90 may include: an acquisition module 901, a first query module 902, a determination module 903, a second query module 904, a calculation module 905, and a transfer module 906;

[0223] Among them, the acquisition module 901 is used to acquire a resource transfer request; wherein, the resource transfer request includes a resource transfer-out type and a resource transfer-in type; the resource transfer request is used to request to transfer resources from the resource transfer-out center to the resource transfer-in center;

[0224] The first query module 902 is configured to query a first resource conversion rate corresponding to a resource transfer center; wherein, the first resource conversion rate is a conversion rate of a resource transfer type relative to a first resource type; the first resource type is a resource type adapted to the resource transfer center;

[0225] The determination module 903 is configured to determine a second resource conversion rate corresponding to the resource conversion center based on a reference conversion rate provided by the resource conversion center and platform conversion rates of at least two conversion sub - centers corresponding to the resource conversion center; wherein, the second resource conversion rate is a conversion rate of the first resource type corresponding to a second resource type; the second resource type is a resource type adapted to the resource transfer - in center;

[0226] The second query module 904 is configured to query a third resource conversion rate corresponding to the resource transfer - in center; wherein, the third resource conversion rate is a conversion rate of the second resource type relative to a resource transfer - in type;

[0227] The calculation module 905 is configured to calculate a target resource conversion rate from the resource transfer type to the resource transfer - in type according to the first resource conversion rate, the second resource conversion rate, and the third resource conversion rate;

[0228] The transfer module 906 is configured to return the target resource conversion rate to the client, so that the client can confirm a resource transfer operation based on the target resource conversion rate.

[0229] In a possible implementation manner provided in the embodiments of the present application, when the above - mentioned determination module 903 determines the second resource conversion rate corresponding to the resource conversion center based on the reference conversion rate provided by the resource conversion center and the platform conversion rates of at least two conversion sub - centers corresponding to the resource conversion center, it is configured to:

[0230] Determine at least two conversion sub - centers corresponding to the resource conversion center, and obtain the platform conversion rate of each conversion sub - center;

[0231] Based on the platform conversion rate, screen out a target sub - center from at least two conversion sub - centers;

[0232] Query and obtain the reference conversion rate of the resource conversion center;

[0233] Calibrate the platform conversion rate of the target sub - center according to the reference conversion rate to obtain the second resource conversion rate.

[0234] In a possible implementation manner provided in the embodiments of the present application, the above - mentioned determination module 903 is further configured to:

[0235] If the platform conversion rate of the conversion sub - center cannot be obtained, use the reference conversion rate as the second resource conversion rate.

[0236] In an embodiment of the present application, a possible implementation manner is provided. The above platform conversion rate includes a sub-conversion rate for converting a first resource type into a second resource type by a conversion sub-center and the validity period of the sub-conversion rate;

[0237] When the above determination module 903 screens out a target sub-center from at least two conversion sub-centers based on the platform conversion rate, it is used for:

[0238] Determine the conversion cost of the corresponding conversion sub-center based on the sub-conversion rate and the validity period of the sub-conversion rate;

[0239] Screen out, from at least two conversion sub-centers, the conversion sub-centers whose conversion costs are not greater than a preset cost threshold as the target sub-centers.

[0240] In an embodiment of the present application, a possible implementation manner is provided. When the above determination module 903 calibrates the platform conversion rate of the target sub-center according to the reference conversion rate to obtain the second resource conversion rate, it is used for:

[0241] Determine the difference between the sub-conversion rate and the reference conversion rate;

[0242] When the difference is not greater than a preset threshold, use the sub-conversion rate as the second resource conversion rate;

[0243] When the difference is greater than the preset threshold, use the reference conversion rate as the second resource conversion rate.

[0244] In an embodiment of the present application, a possible implementation manner is provided. The above device further includes a profit-sharing module, which is used for:

[0245] Determine at least two resource conversion rate transfer objects corresponding to the conversion sub-center at different levels;

[0246] Obtain the conversion difference between adjacent two-level resource conversion rate transfer objects during the exchange rate transfer process;

[0247] Based on the sub-conversion rate and the conversion difference, determine the resource conversion gain of each resource conversion rate transfer object.

[0248] In an embodiment of the present application, a possible implementation manner is provided. The above transfer module 906 is further used for:

[0249] Receive the confirmation transfer information from the client;

[0250] In response to the confirmation transfer information, verify the target resource conversion rate;

[0251] Based on the target resource conversion rate that passes the verification, obtain the resource information to be transferred from the resource conversion center;

[0252] Match the resource information to be transferred with the resource transfer request. When the match passes, based on the resource information to be transferred, perform resource interaction with the resource transfer-in center, the resource transfer-out center, and the resource conversion center to complete the resource transfer.

[0253] In an embodiment of the present application, a possible implementation manner is provided. The above-mentioned resource information to be transferred includes first external transfer information corresponding to the resource transfer-out center, second external transfer information corresponding to the resource transfer-in center, and internal conversion information corresponding to the resource conversion center;

[0254] When the above-mentioned transfer module 906 performs resource interaction with the resource transfer-in center, the resource transfer-out center, and the resource conversion center based on the resource information to be transferred, it is used for:

[0255] Determine the sub-transfer information of each conversion sub-center corresponding to the resource conversion center based on the internal conversion information;

[0256] Perform resource interaction with the corresponding conversion sub-centers according to the sub-transfer information;

[0257] Perform resource interaction with the resource transfer-out center according to the first external transfer information;

[0258] Perform resource interaction with the resource transfer-in center according to the second external transfer information.

[0259] The device in the embodiment of the present application can execute the method provided in the embodiment of the present application, and its implementation principle is similar. The actions performed by each module in the device in each embodiment of the present application correspond to the steps in the method in each embodiment of the present application. For the detailed function description of each module of the device, reference can be specifically made to the description in the corresponding method shown above, and details are not described herein again.

[0260] In the embodiment of the present application, through the resource transfer-out center, the first resource conversion rate of the resource transfer-out type in the resource transfer request relative to the first resource type is obtained, and the first resource type is the resource type adapted by the resource transfer-out center; then, based on the reference conversion rate provided by the resource conversion center and the platform conversion rates of at least two conversion sub-centers, the second resource conversion rate corresponding to the resource conversion center is determined; the second resource conversion rate is the conversion rate of the first resource type corresponding to the second resource type; then, through the resource transfer-in center, the third resource conversion rate of the second resource type relative to the resource transfer-in type is obtained; furthermore, according to the first resource conversion rate, the second resource conversion rate, and the third resource conversion rate, the target resource conversion rate from the resource transfer-out type to the resource transfer-in type is calculated; the target resource conversion rate is returned to the client so that the client can confirm the resource transfer operation based on the target resource conversion rate. At the same time, since the second resource conversion rate is determined based on the reference conversion rate and the platform conversion rates of at least two conversion sub-centers, the flexibility and reliability of resource conversion can be effectively improved.

[0261] Furthermore, in the embodiment of the present application, by docking with the resource conversion center, the resource transfer from the resource transfer center to the resource receiving center is realized; when the resource types adapted by the resource transfer center and the resource receiving center are inconsistent, for example, the area where the receiving bank (i.e., the resource receiving center) is located is a foreign exchange control area and it cannot receive the currency type (the first resource type) transferred by the paying bank (i.e., the resource transfer center), resource conversion can be performed through the resource conversion center, and the transfer task of the resource from the resource transfer center to the resource receiving center can be completed according to the resource transfer request; this avoids the inability to achieve resource transfer due to incompatible resource types and effectively improves the user experience.

[0262] In the embodiment of the present application, an electronic device is provided, including a memory, a processor, and a computer program stored on the memory. The processor executes the above computer program to implement the steps of the resource transfer method. Compared with the related art, it can be realized that: in the embodiment of the present application, through the resource transfer center, the first resource conversion rate of the resource transfer type in the resource transfer request relative to the first resource type is obtained, and the first resource type is the resource type adapted by the resource transfer center; then, based on the reference conversion rate provided by the resource conversion center and the platform conversion rates of at least two conversion sub - centers, the second resource conversion rate corresponding to the resource conversion center is determined; the second resource conversion rate is the conversion rate of the first resource type corresponding to the second resource type; then, through the resource receiving center, the third resource conversion rate of the second resource type relative to the resource receiving type is obtained; furthermore, according to the first resource conversion rate, the second resource conversion rate, and the third resource conversion rate, the target resource conversion rate from the resource transfer type to the resource receiving type is calculated; the target resource conversion rate is returned to the client so that the client can confirm the resource transfer operation based on the target resource conversion rate. At the same time, since the second resource conversion rate is determined based on the reference conversion rate and the platform conversion rates of at least two conversion sub - centers, the flexibility and reliability of resource conversion can be effectively improved. Furthermore, in the embodiment of the present application, by docking with the resource conversion center, the resource transfer from the resource transfer center to the resource receiving center is realized; when the resource types adapted by the resource transfer center and the resource receiving center are inconsistent, for example, the area where the receiving bank (i.e., the resource receiving center) is located is a foreign exchange control area and it cannot receive the currency type (the first resource type) transferred by the paying bank (i.e., the resource transfer center), resource conversion can be performed through the resource conversion center, and the transfer task of the resource from the resource transfer center to the resource receiving center can be completed according to the resource transfer request; this avoids the inability to achieve resource transfer due to incompatible resource types and effectively improves the user experience.

[0263] In an alternative embodiment, an electronic device is provided, as Figure 10 shown Figure 10The electronic device 100 shown includes: a processor 1001 and a memory 1003. Among them, the processor 1001 and the memory 1003 are connected, such as connected through a bus 1002. Optionally, the electronic device 100 may further include a transceiver 1004, and the transceiver 1004 can be used for data interaction between this electronic device and other electronic devices, such as data sending and / or data receiving, etc. It should be noted that in practical applications, the transceiver 1004 is not limited to one, and the structure of the electronic device 100 does not constitute a limitation on the embodiments of the present application.

[0264] The processor 1001 can be a CPU (Central Processing Unit, central processor), a general-purpose processor, a DSP (Digital Signal Processor, data signal processor), an ASIC (Application Specific Integrated Circuit, application-specific integrated circuit), an FPGA (Field Programmable Gate Array, field programmable gate array), or other programmable logic devices, transistor logic devices, hardware components, or any combination thereof. It can implement or execute various exemplary logic blocks, modules, and circuits described in combination with the disclosure of the present application. The processor 1001 can also be a combination that realizes computing functions, such as a combination including one or more microprocessors, a combination of a DSP and a microprocessor, etc.

[0265] The bus 1002 may include a path for transmitting information between the above components. The bus 1002 can be a PCI (Peripheral Component Interconnect, peripheral component interconnect standard) bus or an EISA (Extended Industry Standard Architecture, extended industry standard architecture) bus, etc. The bus 1002 can be divided into an address bus, a data bus, a control bus, etc. For the sake of representation, Figure 10 only a thick line is used to represent it in the figure, but it does not mean that there is only one bus or one type of bus.

[0266] The memory 1003 can be a ROM (Read Only Memory), or other types of static storage devices that can store static information and instructions, a RAM (Random Access Memory), or other types of dynamic storage devices that can store information and instructions. It can also be an EEPROM (Electrically Erasable Programmable Read Only Memory), a CD-ROM (Compact Disc Read Only Memory), or other optical disc storage, optical disc storage (including compact discs, laser discs, optical discs, digital versatile discs, Blu-ray discs, etc.), magnetic disk storage media, other magnetic storage devices, or any other medium that can be used to carry or store computer programs and can be read by a computer, which is not limited here.

[0267] The memory 1003 is used to store the computer program for implementing the embodiments of this application and is controlled by the processor 1001 for execution. The processor 1001 is used to execute the computer program stored in the memory 1003 to implement the steps shown in the foregoing method embodiments.

[0268] Among them, the electronic device includes but is not limited to: mobile terminals such as mobile phones, laptop computers, PADs, etc., and fixed terminals such as digital TVs, desktop computers, etc.

[0269] The embodiments of this application provide a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the steps and corresponding content of the foregoing method embodiments can be implemented.

[0270] The embodiments of this application provide a computer program product or a computer program. The computer program product or the computer program includes computer instructions, and the computer instructions are stored in a computer-readable storage medium. The processor of the computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device implements the following when executed:

[0271] Obtain a resource transfer request; among them, the resource transfer request includes a resource transfer-out type and a resource transfer-in type; the resource transfer request is used to request to transfer resources from a resource transfer-out center to a resource transfer-in center;

[0272] Query the first resource conversion rate corresponding to the resource transfer-out center; among them, the first resource conversion rate is the conversion rate of the resource transfer-out type relative to the first resource type; the first resource type is the resource type adapted to the resource transfer-out center;

[0273] Determine the second resource conversion rate corresponding to the resource conversion center based on the reference conversion rate provided by the resource conversion center and the platform conversion rates of at least two conversion sub - centers corresponding to the resource conversion center; wherein, the second resource conversion rate is the conversion rate of the first resource type corresponding to the second resource type; the second resource type is the resource type adapted by the resource transfer - in center;

[0274] Query the third resource conversion rate corresponding to the resource transfer - in center; wherein, the third resource conversion rate is the conversion rate of the second resource type relative to the resource transfer - in type;

[0275] Calculate the target resource conversion rate from the resource transfer - out type to the resource transfer - in type according to the first resource conversion rate, the second resource conversion rate and the third resource conversion rate;

[0276] Return the target resource conversion rate to the client so that the client can confirm the resource transfer operation based on the target resource conversion rate.

[0277] The terms "first", "second", "third", "fourth", "1", "2", etc. (if any) in the description, claims and above - mentioned drawings of this application are used to distinguish similar objects and do not necessarily describe a specific order or sequence. It should be understood that such data can be interchanged under appropriate circumstances so that the embodiments of this application described here can be implemented in an order other than that shown in the drawings or described in words.

[0278] It should be understood that although the flowchart of the embodiments of this application indicates each operation step by an arrow, the execution order of these steps is not limited to the order indicated by the arrow. Unless there is a clear description in this article, in some implementation scenarios of the embodiments of this application, the implementation steps in each flowchart can be executed in other orders according to requirements. In addition, some or all of the steps in each flowchart may include multiple sub - steps or multiple stages based on the actual implementation scenario. Some or all of these sub - steps or stages can be executed at the same time, and each sub - step or stage among these sub - steps or stages can also be executed at different times respectively. In the scenario where the execution times are different, the execution order of these sub - steps or stages can be flexibly configured according to requirements, and this application does not limit this.

[0279] The above - mentioned are only optional implementation manners of some implementation scenarios of this application. It should be noted that for those of ordinary skill in the art in this technical field, without departing from the technical concept of the solution of this application, using other similar implementation means based on the technical idea of this application also belongs to the protection scope of the embodiments of this application.

Claims

1. A resource transfer method, characterized in that, Including: Obtain a resource transfer request; wherein, the resource transfer request includes a resource transfer-out type and a resource transfer-in type; the resource transfer request is used to request to transfer resources from a resource transfer-out center to a resource transfer-in center; Query the first resource conversion rate corresponding to the resource transfer-out center; wherein, the first resource conversion rate is the conversion rate of the resource transfer-out type relative to the first resource type; the first resource type is the resource type adapted to the resource transfer-out center; Based on the reference conversion rate provided by the resource conversion center and the platform conversion rates of at least two conversion sub-centers corresponding to the resource conversion center, determine the second resource conversion rate corresponding to the resource conversion center; wherein, the second resource conversion rate is the conversion rate of the first resource type corresponding to the second resource type; the second resource type is the resource type adapted to the resource transfer-in center; Query the third resource conversion rate corresponding to the resource transfer-in center; wherein, the third resource conversion rate is the conversion rate of the second resource type relative to the resource transfer-in type; According to the first resource conversion rate, the second resource conversion rate and the third resource conversion rate, calculate the target resource conversion rate from the resource transfer-out type to the resource transfer-in type; Return the target resource conversion rate to the client, so that the client can confirm the resource transfer operation based on the target resource conversion rate.

2. The method according to claim 1, characterized in that The determining the second resource conversion rate corresponding to the resource conversion center based on the reference conversion rate provided by the resource conversion center and the platform conversion rates of at least two conversion sub-centers corresponding to the resource conversion center includes: Determine at least two conversion sub-centers corresponding to the resource conversion center, and obtain the platform conversion rate of each conversion sub-center; Based on the platform conversion rate, screen out the target sub-center from at least two conversion sub-centers; Query and obtain the reference conversion rate of the resource conversion center; Calibrate the platform conversion rate of the target sub-center according to the reference conversion rate to obtain the second resource conversion rate.

3. The method according to claim 2, wherein The method further includes: If the platform conversion rate of the conversion sub-center cannot be obtained, use the reference conversion rate as the second resource conversion rate.

4. The method according to claim 2, characterized in that, The platform conversion rate includes the sub-conversion rate of converting the first resource type into the second resource type through the conversion sub-center and the validity period of the sub-conversion rate; The screening out the target sub-center from at least two conversion sub-centers based on the platform conversion rate includes: Based on the sub-conversion rate and the validity period of the sub-conversion rate, determine the conversion cost of the corresponding conversion sub-center; From at least two conversion sub-centers, screen out the conversion sub-center whose conversion cost is not greater than the preset cost threshold as the target sub-center.

5. The method according to claim 4, characterized in that, The calibrating the platform conversion rate of the target sub-center according to the reference conversion rate to obtain the second resource conversion rate includes: Determine the difference between the sub-conversion rate and the reference conversion rate; When the difference is not greater than the preset threshold, use the sub-conversion rate as the second resource conversion rate; When the difference is greater than the preset threshold, use the reference conversion rate as the second resource conversion rate.

6. The method according to claim 4, characterized in that The method further includes: Determine at least two resource conversion rate transfer objects corresponding to different levels of the conversion sub - center; Obtain the conversion difference between the resource conversion rate transfer objects of two adjacent levels during the exchange rate transfer process; Based on the sub - conversion rate and the conversion difference, determine the resource conversion gain of each resource conversion rate transfer object.

7. The method according to claim 1, characterized in that, The method further includes: Receive the confirmation transfer information from the client; In response to the confirmation transfer information, verify the target resource conversion rate; Based on the target resource conversion rate that passes the verification, obtain the resource information to be transferred from the resource conversion center; Match the resource information to be transferred with the resource transfer request. When the match is successful, based on the resource information to be transferred, perform resource interaction with the resource transfer - in center, resource transfer - out center, and resource conversion center to complete the resource transfer.

8. The method according to claim 7, wherein The resource information to be transferred includes the first external transfer information corresponding to the resource transfer - out center, the second external transfer information corresponding to the resource transfer - in center, and the internal conversion information corresponding to the resource conversion center; The performing resource interaction with the resource transfer - in center, resource transfer - out center, and resource conversion center based on the resource information to be transferred includes: Based on the internal conversion information, determine the sub - transfer information of each conversion sub - center corresponding to the resource conversion center; Perform resource interaction with the corresponding conversion sub - centers according to the sub - transfer information; Perform resource interaction with the resource transfer - out center according to the first external transfer information; Perform resource interaction with the resource transfer - in center according to the second external transfer information.

9. A resource transfer device, characterized in that, It includes: An acquisition module, configured to acquire a resource transfer request; wherein, the resource transfer request includes a resource transfer - out type and a resource transfer - in type; the resource transfer request is used to request transferring resources from the resource transfer - out center to the resource transfer - in center; A first query module, configured to query the first resource conversion rate corresponding to the resource transfer - out center; wherein, the first resource conversion rate is the conversion rate of the resource transfer - out type relative to the first resource type; the first resource type is the resource type adapted by the resource transfer - out center; A determination module, configured to determine the second resource conversion rate corresponding to the resource conversion center based on the reference conversion rate provided by the resource conversion center and the platform conversion rates of at least two conversion sub - centers corresponding to the resource conversion center; wherein, the second resource conversion rate is the conversion rate of the first resource type corresponding to the second resource type; the second resource type is the resource type adapted by the resource transfer - in center; A second query module, configured to query the third resource conversion rate corresponding to the resource transfer - in center; wherein, the third resource conversion rate is the conversion rate of the second resource type relative to the resource transfer - in type; A calculation module, configured to calculate the target resource conversion rate from the resource transfer - out type to the resource transfer - in type according to the first resource conversion rate, the second resource conversion rate, and the third resource conversion rate; A transfer module, configured to return the target resource conversion rate to the client so that the client can confirm the resource transfer operation based on the target resource conversion rate.

10. An electronic device, comprising a memory, a processor, and a computer program stored on the memory, characterized in that, The processor executes the computer program to implement the steps of the method according to any one of claims 1 to 8.

11. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the computer program is executed by a processor, it implements the steps of the method according to any one of claims 1 to 8.

12. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by a processor, it implements the steps of the method according to any one of claims 1 to 8.

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