Currency exchange voucher electronic processing method and system

Abstract

The embodiment of the invention provides a currency exchange voucher electronic processing method and system, and the method comprises the steps: receiving a currency exchange request of a user, and the currency exchange request comprises user identity information, source currency information, target currency information, and a source currency exchange amount; according to the real-time exchange rate data, calculating a target currency amount after exchange, and generating a structured electronic exchange voucher containing exchange details, the real-time exchange rate data being obtained from a plurality of authoritative exchange rate data sources and performing cross validation; encrypting and storing the electronic exchange voucher by using a block chain technology, and sending the electronic exchange voucher to a user terminal; and after the exchange service is completed, marking the electronic exchange voucher, and storing related exchange records in a distributed database. The currency exchange process can be simplified, the business handling efficiency can be improved, the safety risk can be reduced, the data reliability can be enhanced, and the exchange business can be conveniently and efficiently managed and supervised.

Description

Technical Field

[0001] This document relates to the technical field of electronic document processing, and in particular to a method and system for electronic processing of currency exchange vouchers. Background Art

[0002] In today's globalized world, cross-border trade, tourism, and study abroad are becoming increasingly frequent, and the demand for currency exchange is growing accordingly. Traditional currency exchange services suffer from the following technical flaws: Opaque and inaccurate exchange rate information: Traditionally, users had limited access to exchange rate information, often relying on exchange rate data provided by bank counters or a small number of financial institutions. This data could be outdated and opaque, making it difficult for users to obtain accurate, real-time exchange rates when exchanging currency, and potentially exposing them to exchange rate losses. The exchange process is cumbersome: Traditional currency exchange typically requires users to visit a bank or exchange agency in person, fill out numerous paper forms, submit various identification information and supporting documents, and undergo multiple rounds of review and processing, consuming significant time and effort and resulting in inefficiency. Exchange vouchers are susceptible to forgery and loss: Paper exchange vouchers are easily forged, tampered with, or lost, posing security risks and management costs for users and financial institutions. Furthermore, paper vouchers are inconvenient to store and query, hindering the effective tracking and management of exchange transactions. Data storage and security issues: Traditional centralized database storage methods present a single point of failure. A database attack or failure could result in the loss or leakage of a large number of exchange records, jeopardizing the security of user funds and the operational stability of financial institutions. In order to solve these problems, with the continuous development of information technology, it has become an inevitable trend to optimize and innovate currency exchange business using modern technical means. Summary of the Invention

[0003] One or more embodiments of this specification provide a method for electronically processing currency exchange vouchers, including:

[0004] Receive a currency exchange request from a user, the currency exchange request including user identity information, source currency information, target currency information, and source currency exchange amount;

[0005] Calculate the target currency amount after exchange based on real-time exchange rate data obtained from multiple authoritative exchange rate data sources and cross-validated, and generate a structured electronic exchange voucher containing exchange details;

[0006] The electronic exchange voucher is encrypted and stored using blockchain technology, and the electronic exchange voucher is sent to the user terminal at the same time;

[0007] After the redemption transaction is completed, the electronic redemption voucher is marked and the relevant redemption records are stored in the distributed database.

[0008] Furthermore, when receiving a currency exchange request from a user, the user's identity is first verified, specifically:

[0009] The user's identity is verified by verifying the user's identity information through biometric recognition or dynamic password. The biometric recognition includes fingerprint recognition and face recognition. After the verification is passed, the user's identity information is bound to the generated electronic redemption voucher in a one-to-many manner.

[0010] Furthermore, the specific method of calculating the target currency amount after exchange based on real-time exchange rate data and generating a structured electronic exchange voucher containing exchange details is as follows:

[0011] Smart contracts are used to automatically obtain real-time exchange rate data, and a dynamic exchange rate pool is built by aggregating exchange rate data from multiple foreign exchange platforms;

[0012] Traverse the exchange rate pool, select the path with the lowest exchange cost, and calculate the optimal exchange plan;

[0013] Calculate the target currency amount after exchange based on the optimal exchange plan and generate a structured electronic exchange voucher containing exchange details, where the exchange details are the content of the optimal exchange plan;

[0014] If the real-time exchange rate fluctuation exceeds the preset threshold, the current exchange business will be suspended, and the user will be provided with an exchange rate risk assessment report, prompting the user to confirm whether to continue.

[0015] Furthermore, the specific method of using blockchain technology to encrypt and store electronic exchange vouchers is as follows:

[0016] After the electronic exchange voucher is generated, the user's identity information is desensitized using an asymmetric encryption algorithm to generate an irreversible identity hash value;

[0017] The electronic exchange voucher is signed using a specific electronic signature algorithm, and the generation time and operation log of the electronic voucher are encrypted to generate a transaction timestamp;

[0018] The identity hash value, electronic exchange certificate and transaction timestamp are distributed and stored in multiple blocks, and the blocks are linked into a chain through a hash algorithm.

[0019] Furthermore, after sending the electronic redemption voucher to the user terminal, the method further includes:

[0020] The user terminal receives the electronic redemption voucher information through the QR code or NFC technology display;

[0021] Conduct compliance checks on received electronic redemption vouchers and issue early warning information if any anomalies are found.

[0022] Furthermore, after the exchange business is completed, the electronic exchange voucher is marked and the relevant exchange record is stored in the distributed database. The specific method is:

[0023] After the exchange transaction is completed, the electronic exchange voucher corresponding to the exchange transaction is marked. The marking information includes the transaction completion status and the funds arrival status. The transaction completion status includes completed, partially completed, and failed.

[0024] The tag information is synchronized to the blockchain.

[0025] Furthermore, the method further comprises:

[0026] The transaction timestamp of the corresponding electronic exchange certificate is extracted in the blockchain evidence storage network through the identity hash value, and the generation time and operation log of the electronic exchange certificate are obtained to obtain the full life cycle operation record of the electronic exchange certificate.

[0027] One or more embodiments of the present specification provide a currency exchange voucher electronic processing system, comprising:

[0028] Request acquisition module: used to receive a user's currency exchange request, the currency exchange request including user identity information, source currency information, target currency information and source currency exchange amount;

[0029] Voucher Generation Module: Calculates the target currency amount after exchange based on real-time exchange rate data obtained from multiple authoritative exchange rate data sources and cross-validated, and generates a structured electronic exchange voucher containing exchange details.

[0030] Voucher processing module: used to encrypt and store electronic exchange vouchers using blockchain technology, and send the electronic exchange vouchers to the user terminal;

[0031] Status marking module: used to mark the electronic redemption voucher after the redemption business is completed, and store the relevant redemption records in the distributed database.

[0032] One or more embodiments of this specification provide an electronic device, including:

[0033] processor; and,

[0034] A memory arranged to store computer-executable instructions which, when executed, cause the processor to implement the steps of the above-mentioned method for electronic processing of currency exchange certificates.

[0035] One or more embodiments of the present specification provide a storage medium for storing computer-executable instructions, which, when executed, implement the steps of the above-mentioned method for electronic processing of currency exchange certificates.

[0036] By adopting the embodiments of the present invention, by obtaining and cross-verifying real-time exchange rate data from multiple authoritative exchange rate data sources, the accuracy and transparency of exchange rate information can be ensured, a solid price basis can be provided for exchange transactions, and the fairness of market transactions can be improved; users only need to submit exchange requests online, which greatly saves time and energy, simplifies the currency exchange process, and improves business processing efficiency; with the help of blockchain technology, electronic exchange vouchers are encrypted and stored, which can improve the security and non-tamperability of the vouchers and reduce security risks; after the exchange is completed, the exchange record is stored in a distributed database to avoid single point failures, facilitate subsequent queries and statistical analysis, enhance data reliability and scalability, and facilitate efficient management and supervision of exchange business.

[0037] The above description is only an overview of the technical solution of the present invention. In order to more clearly understand the technical means of the present invention, it can be implemented in accordance with the contents of the specification. In order to make the above and other purposes, features and advantages of the present invention more obvious and easy to understand, the specific implementation methods of the present invention are specifically listed below. BRIEF DESCRIPTION OF THE DRAWINGS

[0038] In order to more clearly illustrate one or more embodiments of this specification or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the description of the prior art. Obviously, the drawings described below are only some embodiments recorded in this specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0039] Figure 1 A flowchart of a method for electronically processing currency exchange certificates provided in one or more embodiments of this specification;

[0040] Figure 2 A schematic diagram of the composition of a currency exchange voucher electronic processing system provided in one or more embodiments of this specification;

[0041] Figure 3 A schematic diagram of the structure of an electronic device provided in one or more embodiments of this specification. DETAILED DESCRIPTION

[0042] In order to enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below in conjunction with the drawings in one or more embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of this specification, not all of the embodiments. Based on one or more embodiments of this specification, all other embodiments obtained by ordinary technicians in this field without making creative efforts should fall within the scope of protection of this document.

[0043] Method Example

[0044] According to an embodiment of the present invention, a method for electronically processing currency exchange vouchers is provided. Figure 1 A flowchart of a method for electronically processing currency exchange vouchers provided in one or more embodiments of this specification, such as Figure 1 As shown, the electronic processing method of currency exchange vouchers according to an embodiment of the present invention specifically includes:

[0045] S1. Receive a currency exchange request from a user, wherein the currency exchange request includes user identity information, source currency information, target currency information, and source currency exchange amount.

[0046] When receiving a currency exchange request from a user, the user's identity is first verified. Specifically, the user's identity is verified by verifying their biometric information (such as fingerprint and / or facial recognition) or a dynamic password. Once verified, the user's identity information is bound to the generated electronic exchange voucher in a one-to-many manner.

[0047] When using fingerprint recognition for identity authentication, users are required to use a device that supports fingerprint recognition, such as a smartphone or a bank-specific terminal, to enter their fingerprint information. The device will convert the collected fingerprint image into a digital feature value, and then compare it with the user's fingerprint feature value pre-stored in the system. If the match between the two reaches a certain threshold, the fingerprint recognition is considered to have passed.

[0048] When using facial recognition for identity authentication, the user takes a picture of his or her facial image through the camera. The system uses image recognition technology to extract key facial feature points, such as the position and shape of the eyes, nose, mouth, etc., to form a facial feature vector. The feature vector is then compared with the user's facial feature vector stored in the system. When the similarity exceeds the set standard, the facial recognition verification is successful.

[0049] When using a dynamic password for identity authentication, the system will send a dynamic password to the user's pre-bound mobile phone number or other security device. After receiving the dynamic password, the user enters the password into the system within the specified time. The system will check whether the entered dynamic password is consistent with the sent password. If they are consistent, the dynamic password verification is passed.

[0050] The verification results obtained through the above biometric identification or dynamic password are comprehensively verified with the user's identity information in the currency exchange request, including name, ID number, etc. Only when the biometric identification or dynamic password verification is passed and matches the user's identity information is the user's identity authentication considered successful. After the user's identity authentication is passed, the system will bind the user's identity information to the generated electronic exchange voucher in a one-to-many manner. That is, one user's identity information can correspond to multiple electronic exchange vouchers of different times, different amounts, or different currency combinations. This facilitates users to uniformly manage and query all their exchange vouchers, and financial institutions to trace and analyze users' exchange history.

[0051] Users can initiate currency exchange requests through online channels such as financial institutions' official websites and mobile applications. For example, users can log in to their bank's mobile app and access the relevant currency exchange section. Exchange requests can also be initiated through authorized third-party financial service platforms or self-service terminals. These include those found in bank branches, airports, shopping malls, and other locations, such as self-service exchange machines. Users can follow the on-screen prompts to enter the relevant information and initiate an exchange request.

[0052] The user identity information entered in the exchange request includes name, ID number or other valid ID number, such as a passport number, and contact information, such as a mobile phone number or email address. In this embodiment, the user is required to upload a photo or scan of their ID for the system to verify and record the identity. The source currency information is the currency the user wishes to exchange, such as RMB (CNY), USD, EUR, etc., which can be determined by selecting the source currency from the drop-down menu or directly entering the currency code. The target currency information is the currency the user wishes to exchange for, which can also be determined by selecting or entering the target currency. The source currency exchange amount is the specific amount of the source currency the user wishes to exchange. The entered amount is formatted and verified to ensure that it meets the specified numerical range and accuracy requirements.

[0053] S2. Calculate the target currency amount after exchange based on real-time exchange rate data obtained from multiple authoritative exchange rate data sources and cross-validated, and generate a structured electronic exchange voucher containing exchange details.

[0054] Smart contracts are used to automatically obtain real-time exchange rate data, aggregating exchange rate data from multiple foreign exchange platforms to build a dynamic exchange rate pool. Smart contracts are self-executing contract code based on blockchain technology. They are deployed on the blockchain and have pre-defined trigger conditions and execution logic. They automatically send requests to multiple foreign exchange platforms at preset intervals to obtain real-time exchange rate data. These platforms include internationally renowned foreign exchange trading platforms and interbank foreign exchange market interfaces. After obtaining exchange rate data from various platforms, the smart contract integrates this data. Each exchange rate data contains information such as the source currency, target currency, exchange rate value, and timestamp. This data is stored in a data structure to form a dynamic exchange rate pool.

[0055] The exchange rate pool is traversed to screen the path with the lowest exchange cost and calculate the optimal exchange plan. All exchange rate data in the dynamic exchange rate pool are traversed. For each possible exchange path, for example, from source currency A to target currency B, there may be multiple exchange paths through the intermediate currency C. The exchange cost is calculated. The exchange cost includes not only the exchange rate itself, but also factors such as transaction fees and spreads. The exchange rate relationship is regarded as an edge in the graph, and the currency is regarded as a node. The shortest path is found. By comparing the costs of different exchange paths, the path with the lowest exchange cost is screened out, that is, the optimal exchange plan.

[0056] The target currency amount after exchange is calculated according to the optimal exchange plan, and a structured electronic exchange voucher containing the exchange details is generated, where the exchange details are the content of the optimal exchange plan; the content of the optimal exchange plan, including the exchange steps, the exchange rate used, the cost, etc., as well as the calculated target currency amount, is generated into a structured electronic exchange voucher in a specific format, and the electronic exchange voucher is associated with other relevant information such as user identity information and exchange time.

[0057] The system monitors the changes in exchange rate data in the dynamic exchange rate pool in real time and calculates the fluctuation range of the exchange rate. When the real-time exchange rate fluctuation exceeds the preset threshold, the current exchange business is automatically suspended. At the same time, an exchange rate risk assessment report is generated based on the historical exchange rate data and the current fluctuation situation. The report includes an analysis of the causes of exchange rate fluctuations, possible impacts, and the risks of continuing the exchange. The system pushes the exchange rate risk assessment report to the user and prompts the user to confirm whether to continue the exchange business. The user can choose to continue the exchange or wait for the exchange rate to stabilize based on the content of the report and his or her own risk tolerance.

[0058] S3. Use blockchain technology to encrypt and store the electronic exchange voucher, and send the electronic exchange voucher to the user terminal.

[0059] After the electronic exchange voucher is generated, the user's identity information is desensitized using an asymmetric encryption algorithm to generate an irreversible identity hash value;

[0060] The electronic redemption voucher is signed using a specific electronic signature algorithm, and the generation time of the electronic voucher and the operation log are encrypted to generate a transaction timestamp; the operation log includes the submission time of the redemption request, the calculation process record, etc., and this information can be encrypted into a unique timestamp using a symmetric encryption algorithm or other encryption method;

[0061] The identity hash value, electronic redemption voucher and transaction timestamp are distributed and stored in multiple blocks. A hash algorithm is used to calculate the content of each block, including the identity hash value, electronic redemption voucher, transaction timestamp and other information in the block header, such as the hash value of the previous block, to generate a unique hash value. The hash value of each block will be recorded in the block header of the next block. In this way, the blocks are connected into a chain to form a blockchain.

[0062] The user terminal receives the electronic redemption voucher information through QR code or NFC technology display:

[0063] After the system generates an electronic exchange voucher, it will encode key information in the voucher, such as exchange details, target currency amount, transaction time, etc., and convert this information into a QR code graphic through a specific QR code generation algorithm. After receiving the electronic exchange voucher information, the user terminal, such as a smartphone or tablet, will use the device's graphic display function to display the generated QR code on the screen. The user terminal can display the QR code to verify information or process business transactions.

[0064] The electronic redemption voucher information is encapsulated and processed according to the NFC data format requirements, and then the NFC chip of the user terminal is used to write this information into the NFC tag or interact with an NFC-enabled device. When the user needs to show the electronic redemption voucher, the user terminal is placed close to the NFC-enabled reading device. The reading device interacts with the user terminal through the NFC communication protocol to read the electronic redemption voucher information stored therein.

[0065] Compliance checks are performed on received electronic exchange vouchers, and if any anomalies are detected, a timely warning message is issued. Specifically, the format of the received electronic exchange voucher is verified to ensure that it conforms to the standard format specified by the system. For example, the verification checks are performed to ensure that the electronic exchange voucher is in the correct structured data format, that the data fields are complete and accurate, and that there are no missing or incorrect fields. The signature of the voucher content is verified using the digital signature and corresponding public key attached to the electronic exchange voucher. The validity and rationality of the transaction timestamp are checked. According to the relevant rules and policies of the currency exchange business, the exchange details in the electronic exchange voucher are checked for compliance, for example, whether the exchange amount is within the permitted range and whether the exchanged currency type complies with business restrictions. If any anomalies are detected during the compliance check, an alert message is issued through the user terminal application to alert the user to the anomaly of the electronic exchange voucher. The alert message can take various forms, such as pop-up prompts, audible alarms, and push notification messages, to ensure that the user is promptly aware of the anomaly.

[0066] S4. After the redemption transaction is completed, the electronic redemption voucher is marked and the relevant redemption records are stored in the distributed database.

[0067] After the exchange is completed, the corresponding electronic exchange voucher is marked. The marking information includes the completion status of the exchange and the arrival of funds. The completion status includes completed, partially completed, and failed. If the entire exchange process goes smoothly, all exchange operations are successfully executed, and the target currency amount is accurately delivered to the user or transferred to the designated account, the completion status is marked as "completed." If only part of the exchange operation is completed, such as only a partial amount, or if some problems occur in some links but not a complete failure, it is marked as "partially completed." If the exchange fails to proceed successfully due to various reasons, such as excessive exchange rate fluctuations that make the transaction impossible to execute, or abnormalities in the user's account, the completion status is marked as "failed."

[0068] In addition, the arrival of funds will be marked: if the user has successfully received the converted target currency funds, whether in a bank account, e-wallet or other designated payment channels, the funds will be marked as "arrived"; if the funds have not yet arrived in the user's account, are in the process of transfer or there are other delays, they will be marked as "not arrived"; if there is a problem with the funds during the transfer process, such as the transfer failed and was returned, it will be marked as "fund abnormality".

[0069] The tag information, including the business completion status and fund arrival status, is associated with the unique identifier of the electronic redemption voucher and packaged according to the data format requirements of the blockchain. The packaged tag information data is sent to the blockchain node through the interface of the blockchain network. The blockchain node verifies the data to ensure its integrity and legitimacy. After the verification is passed, the data is written to the relevant block of the blockchain and synchronized to multiple nodes in the network.

[0070] The transaction timestamp of the corresponding electronic exchange voucher can be extracted from the blockchain evidence network through the identity hash value, and the generation time and operation log of the electronic voucher can be obtained to obtain the full life cycle operation record of the electronic exchange voucher. Specifically, users or relevant institutions can search in the blockchain evidence network through the identity hash value. The blockchain network finds the block related to the electronic exchange voucher based on the identity hash value and extracts the transaction timestamp stored therein; combined with the transaction timestamp, the operation log of the electronic exchange voucher is further obtained. The operation log records in detail every operation step from the user initiating the exchange request to the completion or failure of the exchange business, such as the request reception time, exchange rate acquisition time, exchange calculation time, voucher generation time, fund transfer time, etc. By integrating this information, the full life cycle operation record of the electronic exchange voucher can be fully presented.

[0071] The beneficial effects of the present invention are as follows:

[0072] By adopting the embodiments of the present invention, by obtaining and cross-verifying real-time exchange rate data from multiple authoritative exchange rate data sources, the accuracy and transparency of exchange rate information can be ensured, a solid price basis can be provided for exchange transactions, and the fairness of market transactions can be improved; users only need to submit exchange requests online, which greatly saves time and energy, simplifies the currency exchange process, and improves business processing efficiency; with the help of blockchain technology, electronic exchange vouchers are encrypted and stored, which can improve the security and non-tamperability of the vouchers and reduce security risks; after the exchange is completed, the exchange record is stored in a distributed database to avoid single point failures, facilitate subsequent queries and statistical analysis, enhance data reliability and scalability, and facilitate efficient management and supervision of exchange business.

[0073] System Example

[0074] According to an embodiment of the present invention, a system for electronically processing currency exchange vouchers is provided. Figure 2 A schematic diagram of a system for electronically processing currency exchange vouchers provided in one or more embodiments of this specification is shown in FIG. Figure 2 As shown, the electronic processing system for currency exchange vouchers according to an embodiment of the present invention specifically includes:

[0075] Request acquisition module 20: used to receive a currency exchange request from a user, wherein the currency exchange request includes user identity information, source currency information, target currency information, and source currency exchange amount;

[0076] Voucher generation module 22: used to calculate the target currency amount after exchange based on real-time exchange rate data obtained from multiple authoritative exchange rate data sources and cross-validated, and generate a structured electronic exchange voucher containing exchange details;

[0077] Voucher processing module 24: used to encrypt and store the electronic exchange voucher using blockchain technology, and send the electronic exchange voucher to the user terminal;

[0078] Status marking module 26: used to mark the electronic exchange voucher after the exchange business is completed, and store the relevant exchange records in the distributed database.

[0079] The embodiment of the present invention is a system embodiment corresponding to the above-mentioned method embodiment. The specific operations of each module can be understood by referring to the description of the method embodiment, which will not be repeated here.

[0080] Device Example 1

[0081] An embodiment of the present invention provides an electronic device, such as Figure 3 As shown, it includes: a memory 30, a processor 32, and a computer program stored in the memory 30 and executable on the processor 32. When the computer program is executed by the processor 32, the following method steps are implemented:

[0082] S1. Receive a user's currency exchange request, the currency exchange request includes user identity information, source currency information, target currency information, and source currency exchange amount;

[0083] S2. Calculate the target currency amount after exchange based on real-time exchange rate data obtained from multiple authoritative exchange rate data sources and cross-validated, and generate a structured electronic exchange voucher containing the exchange details;

[0084] S3. Encrypt and store the electronic exchange voucher using blockchain technology and send the electronic exchange voucher to the user terminal;

[0085] S4. After the redemption transaction is completed, the electronic redemption voucher is marked and the relevant redemption records are stored in the distributed database.

[0086] Device Example 2

[0087] An embodiment of the present invention provides a computer-readable storage medium having stored thereon a program for implementing information transmission. When the program is executed by the processor 32, the following method steps are implemented:

[0088] S1. Receive a user's currency exchange request, the currency exchange request includes user identity information, source currency information, target currency information, and source currency exchange amount;

[0089] S2. Calculate the target currency amount after exchange based on real-time exchange rate data obtained from multiple authoritative exchange rate data sources and cross-validated, and generate a structured electronic exchange voucher containing the exchange details;

[0090] S3. Encrypt and store the electronic exchange voucher using blockchain technology and send the electronic exchange voucher to the user terminal;

[0091] S4. After the redemption transaction is completed, the electronic redemption voucher is marked and the relevant redemption records are stored in the distributed database.

[0092] The computer-readable storage medium in this embodiment includes, but is not limited to, ROM, RAM, magnetic disk, or optical disk.

[0093] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention, rather than to limit it. Although the present invention has been described in detail with reference to the above embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the above embodiments, or replace some or all of the technical features therein with equivalents. However, these modifications or replacements do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of the present invention.

Claims

1. A method for electronic processing of currency exchange vouchers, characterized in that: include: Receive a currency exchange request from a user, the currency exchange request including user identity information, source currency information, target currency information, and source currency exchange amount; Calculate the target currency amount after exchange based on real-time exchange rate data obtained from multiple authoritative exchange rate data sources and cross-validated, and generate a structured electronic exchange voucher containing exchange details; The electronic exchange voucher is encrypted and stored using blockchain technology, and the electronic exchange voucher is sent to the user terminal at the same time; After the redemption transaction is completed, the electronic redemption voucher is marked and the relevant redemption records are stored in the distributed database.

2. The electronic processing method of currency exchange vouchers according to claim 1, characterized in that: When receiving a currency exchange request from a user, the user's identity is first verified. Specifically: The user's identity is verified by verifying the user's identity information through biometric recognition or dynamic password. The biometric recognition includes fingerprint recognition and face recognition. After the verification is passed, the user's identity information is bound to the generated electronic redemption voucher in a one-to-many manner.

3. The electronic processing method of currency exchange vouchers according to claim 1, characterized in that: The specific method for calculating the target currency amount after exchange based on real-time exchange rate data and generating a structured electronic exchange voucher containing exchange details is as follows: Smart contracts are used to automatically obtain real-time exchange rate data, and a dynamic exchange rate pool is built by aggregating exchange rate data from multiple foreign exchange platforms; Traverse the exchange rate pool, select the path with the lowest exchange cost, and calculate the optimal exchange plan; Calculate the target currency amount after exchange based on the optimal exchange plan and generate a structured electronic exchange voucher containing exchange details, where the exchange details are the content of the optimal exchange plan; If the real-time exchange rate fluctuation exceeds the preset threshold, the current exchange business will be suspended, and the user will be provided with an exchange rate risk assessment report, prompting the user to confirm whether to continue.

4. The electronic processing method of currency exchange vouchers according to claim 3, characterized in that: The specific method of using blockchain technology to encrypt and store electronic exchange vouchers is as follows: After the electronic exchange voucher is generated, the user's identity information is desensitized using an asymmetric encryption algorithm to generate an irreversible identity hash value; The electronic exchange voucher is signed using a specific electronic signature algorithm, and the generation time and operation log of the electronic voucher are encrypted to generate a transaction timestamp; The identity hash value, electronic exchange certificate and transaction timestamp are distributed and stored in multiple blocks, and the blocks are linked into a chain through a hash algorithm.

5. The electronic processing method of currency exchange vouchers according to claim 1, characterized in that: After sending the electronic redemption voucher to the user terminal, the method further includes: The user terminal receives the electronic redemption voucher information through the QR code or NFC technology display; Conduct compliance checks on received electronic redemption vouchers and issue early warning information if any anomalies are found.

6. The electronic processing method of currency exchange vouchers according to claim 1, characterized in that: After the exchange business is completed, the electronic exchange voucher is marked and the relevant exchange record is stored in the distributed database. The specific method is: After the exchange transaction is completed, the electronic exchange voucher corresponding to the exchange transaction is marked. The marking information includes the transaction completion status and the funds arrival status. The transaction completion status includes completed, partially completed, and failed. The tag information is synchronized to the blockchain.

7. The electronic processing method of currency exchange vouchers according to claim 1, characterized in that: The method further comprises: The transaction timestamp of the corresponding electronic exchange certificate is extracted in the blockchain evidence storage network through the identity hash value, and the generation time and operation log of the electronic exchange certificate are obtained to obtain the full life cycle operation record of the electronic exchange certificate.

8. A currency exchange voucher electronic processing system, characterized in that: include Request acquisition module: used to receive a user's currency exchange request, the currency exchange request including user identity information, source currency information, target currency information and source currency exchange amount; Voucher Generation Module: Calculates the target currency amount after exchange based on real-time exchange rate data obtained from multiple authoritative exchange rate data sources and cross-validated, and generates a structured electronic exchange voucher containing exchange details. Voucher processing module: used to encrypt and store electronic exchange vouchers using blockchain technology, and send the electronic exchange vouchers to the user terminal; Status marking module: used to mark the electronic redemption voucher after the redemption business is completed, and store the relevant redemption records in the distributed database.

9. An electronic device, characterized in that: include: processor; as well as, A memory arranged to store computer-executable instructions, which, when executed, cause the processor to implement the steps of the method for electronic processing of currency exchange certificates according to any one of claims 1 to 7.

10. A storage medium, characterized in that: Used to store computer-executable instructions, which, when executed, implement the steps of the method for electronic processing of currency exchange certificates as described in any one of claims 1 to 7.

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