Method and system for the electronic processing of currency exchange vouchers

Abstract

The embodiment of the specification provides a currency exchange voucher electronic processing method and system, wherein the method comprises the following steps: receiving a currency exchange request of a user, the currency exchange request containing user identity information, source currency information, target currency information and a source currency exchange amount; calculating a target currency amount after exchange according to real-time exchange rate data, and generating a structured electronic exchange voucher containing exchange details, the real-time exchange rate data being obtained from multiple authoritative exchange rate data sources and cross-verified; using blockchain technology to encrypt and store the electronic exchange voucher, and simultaneously sending the electronic exchange voucher to a user terminal; after the exchange business is completed, marking the electronic exchange voucher, and storing relevant exchange records into a distributed database. The application can simplify the currency exchange process, improve the business handling efficiency, reduce the security risk, enhance the reliability of data, and facilitate efficient management and supervision of the exchange business.

Description

TECHNICAL FIELD

[0001] The present document relates to the technical field of electronic bill processing, and in particular to a currency exchange voucher electronic processing method and system. BACKGROUND

[0002] In today's globalization, cross-border trade, tourism, and study abroad activities are becoming increasingly frequent, and the demand for currency exchange is also growing. The traditional currency exchange business has the following technical defects: exchange rate information is not transparent and accurate: in the past, users had limited channels to obtain exchange rate information, often relying on exchange rate data provided by bank counters or a few financial institutions. These data may not be updated in a timely manner and may not be transparent, making it difficult for users to obtain accurate real-time exchange rates when exchanging currencies, and making them vulnerable to exchange rate losses; the exchange process is cumbersome: the traditional currency exchange process usually requires users to personally go to banks or exchange institutions, fill out a large number of paper forms, submit various identity information and proof documents, and go through multiple links of review and processing, consuming a lot of time and effort, and being inefficient; exchange vouchers are easy to counterfeit and lost: paper exchange vouchers are easy to counterfeit, tamper with, or lose, posing a security risk to users and financial institutions and management costs. At the same time, the storage and query of paper vouchers are not convenient, which is not conducive to effective tracking and management of exchange business; data storage and security issues: the traditional centralized database storage method has a single point of failure risk. Once the database is attacked or fails, a large number of exchange records may be lost or leaked, endangering user financial security and the stable operation of financial institutions. In order to solve these problems, with the continuous development of information technology, it is inevitable to use modern technical means to optimize and innovate currency exchange business. SUMMARY

[0003] One or more embodiments of the present specification provide a currency exchange voucher electronic processing method, comprising:

[0004] receiving a currency exchange request of a user, the currency exchange request containing user identity information, source currency information, target currency information, and source currency exchange amount;

[0005] calculating the target currency amount after exchange according to real-time exchange rate data, and generating a structured electronic exchange voucher containing exchange details, the real-time exchange rate data being obtained from multiple authoritative exchange rate data sources and cross-verified;

[0006] storing the electronic exchange voucher by using blockchain technology, and sending the electronic exchange voucher to a user terminal;

[0007] after the completion of the exchange business, marking the electronic exchange voucher and storing the related exchange record in a distributed database.

[0008] Further, when receiving the currency exchange request of the user, the identity of the user is first verified, and specifically:

[0009] The identity of the user is verified by biometric recognition or dynamic password and the user identity information, the biometric recognition includes fingerprint recognition and face recognition, and after the verification, the user identity information is bound to the generated electronic exchange voucher in one-to-many.

[0010] Further, the target currency amount after exchange is calculated according to real-time exchange rate data, and the structured electronic exchange voucher containing exchange details is generated, and the specific method is:

[0011] The real-time exchange rate data is automatically obtained by using smart contract, and a dynamic exchange rate pool is constructed by aggregating exchange rate data of multiple foreign exchange platforms.

[0012] The exchange rate pool is traversed to filter the path with the lowest exchange cost, and the optimal exchange scheme is calculated.

[0013] The target currency amount after exchange is calculated according to the optimal exchange scheme, and the structured electronic exchange voucher containing exchange details is generated, and the exchange details are the contents of the optimal exchange scheme.

[0014] If the real-time exchange rate fluctuation exceeds the preset threshold, the current exchange service is suspended, a exchange rate risk assessment report is provided for the user, and the user is prompted to confirm whether to continue.

[0015] Further, the electronic exchange voucher is encrypted and stored by using blockchain technology, and the specific method is:

[0016] After the electronic exchange voucher is generated, the user identity information is desensitized by using an asymmetric encryption algorithm, and an irreversible identity hash value is generated.

[0017] The electronic exchange voucher is signed by 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 voucher and transaction timestamp are distributed and stored in multiple blocks, and the blocks are linked into a chain by using a hash algorithm.

[0019] Further, after the electronic exchange voucher is sent to the user terminal, the method further includes:

[0020] The user terminal displays the received electronic exchange voucher information by using a two-dimensional code or NFC technology.

[0021] The received electronic exchange voucher is checked for compliance, and if an abnormality is found, a warning information is sent in time.

[0022] Further, the electronic exchange voucher is marked after the completion of the exchange service, and the relevant exchange record is stored in the distributed database.

[0023] After the completion of the exchange service, the electronic exchange voucher corresponding to the exchange service is marked, and the marking information includes the service completion state and the fund account situation. The service completion state includes completed, partially completed, and failed.

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

[0025] Further, the method further includes:

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

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

[0028] The request acquisition module is configured to receive a currency exchange request of a user, wherein the currency exchange request includes user identity information, source currency information, target currency information, and source currency exchange amount.

[0029] The voucher generation module is configured to calculate the target currency amount after exchange according to real-time exchange rate data, and generate a structured electronic exchange voucher containing exchange details, wherein the real-time exchange rate data is obtained from multiple authoritative exchange rate data sources and cross-verified.

[0030] The voucher processing module is configured to encrypt and store the electronic exchange voucher using blockchain technology, and send the electronic exchange voucher to a user terminal.

[0031] The state marking module is configured to mark the electronic exchange voucher after the completion of the exchange service, and store the relevant exchange record in the distributed database.

[0032] One or more embodiments of the present specification provide an electronic device, comprising:

[0033] A processor; and

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

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

[0036] By acquiring and cross- verifying real-time exchange rate data from multiple authoritative exchange rate data sources, the embodiment of the present application can ensure the accuracy and transparency of exchange rate information, provide a solid price basis for exchange transactions, and improve the fairness of market transactions; users only need to submit an exchange request online, which greatly saves time and effort, simplifies the currency exchange process, and improves business efficiency; with the help of blockchain technology, the electronic exchange voucher is encrypted and stored, which can improve the security and tamper resistance of the voucher and reduce security risks; after the exchange is completed, the exchange record is stored in a distributed database to avoid single point failure and facilitate subsequent query and statistical analysis, enhance the reliability and scalability of the data, and facilitate efficient management and supervision of exchange business.

[0037] The above description is only a summary of the technical solutions of the present application. In order to more clearly understand the technical means of the present application, the content of the specification can be implemented, and in order to make the above and other purposes, features and advantages of the present application more obvious and easy to understand, the following specific embodiments of the present application are described. BRIEF DESCRIPTION OF DRAWINGS

[0038] In order to more clearly illustrate the technical solutions in the one or more embodiments of the present application or the prior art, the following will briefly introduce the drawings needed to be used in the embodiment or prior art description. Obviously, the drawings in the following description are only some embodiments described in the present specification, and those skilled in the art can obtain other drawings according to these drawings without creative labor.

[0039] Figure 1 A flowchart of a currency exchange voucher electronic processing method provided for one or more embodiments of the present specification;

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

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

[0042] In order to make the person skilled in the art better understand the technical solutions in one or more embodiments of the present specification, the technical solutions in one or more embodiments of the present specification will be clearly and completely described in the following with reference to the drawings in one or more embodiments of the present specification. Obviously, the described embodiments are only a part of the embodiments of the present specification, not all. Based on one or more embodiments of the present specification, all other embodiments obtained by those skilled in the art without creative labor should belong to the protection scope of the present document.

[0043] Method embodiment

[0044] According to an embodiment of the present application, a currency exchange voucher electronic processing method is provided, Figure 1 A flowchart of a currency exchange voucher electronic processing method provided in one or more embodiments of the present specification is shown in Figure 1 The currency exchange voucher electronic processing method according to the embodiment of the present application specifically comprises:

[0045] S1. Receive the user's currency exchange request, which contains user identity information, source currency information, target currency information and source currency exchange amount.

[0046] When receiving the user's currency exchange request, first, the user's identity is verified, specifically: through biometric identification or dynamic password and the user identity information is verified, the user identity is verified, and the biometric identification includes fingerprint identification and / or face recognition. After verification, the user identity information is bound to the generated electronic exchange voucher in one-to-many.

[0047] When using fingerprint identification for identity verification, the user needs to use a device that supports fingerprint identification, such as a smart phone, a bank special terminal, etc. to enter his own fingerprint information. The device converts the collected fingerprint image into a digital feature value, and then compares it with the pre-stored fingerprint feature value of the user in the system. If the matching degree reaches a certain threshold, it is considered that the fingerprint identification is passed.

[0048] When using face recognition for identity verification, the user takes his own face image through the camera, and the system extracts the key feature points of the face, such as the positions and shapes of the eyes, nose and mouth, etc. using image recognition technology, forms a face feature vector, and then compares the feature vector with the stored user face feature vector in the system. When the similarity exceeds the set standard, the face recognition verification is successful.

[0049] When using dynamic password for identity verification, the system sends a dynamic password to the user's pre-bound mobile phone number or other secure device. After receiving the dynamic password, the user inputs the password into the system within a specified time. The system checks whether the input dynamic password is consistent with the sent password. If consistent, the dynamic password verification is passed.

[0050] The verification results obtained by the above biometric identification or dynamic password and the user's identity information in the currency exchange request, including name, ID number, etc., are comprehensively verified. Only when the biometric identification or dynamic password verification is passed and the user's identity information matches, the user's identity verification is considered successful. After the user's identity verification is passed, the system binds the user's identity information with the generated electronic exchange voucher in a one-to-many manner, i.e., one user identity information can correspond to multiple electronic exchange vouchers of different time, different amount or different currency combinations. This facilitates the user to manage and query all exchange vouchers, and the financial institution to trace and analyze the user's exchange history.

[0051] The user can initiate a currency exchange request through online channels such as the official website of the financial institution, mobile application, etc. For example, the user logs in to the bank's mobile APP and operates in the relevant currency exchange business block. The user can also initiate an exchange request through an authorized third-party financial service platform or a self-service terminal device, such as a self-service terminal device set up at a bank branch, an airport, a shopping mall, etc., such as a self-service exchange machine. The user can initiate an exchange request by inputting relevant information according to the device screen prompts.

[0052] The user's identity information filled in the exchange request includes name, ID number or other valid ID number such as passport number, contact information such as mobile phone number, email, etc. In this embodiment, the user needs to upload a photo or scanned copy of the ID card for the system to perform identity verification and record; the source currency information is the currency type used for exchange by the user, such as CNY, USD, EUR, etc., which is determined by selecting or directly inputting the currency code; the target currency information is the currency type that the user wants to exchange, which is also determined by selection or input; the source currency exchange amount is the specific amount of the source currency that the user wants to exchange, and the input amount is format verified to ensure that it meets the specified value range and precision requirements.

[0053] S2. According to the real-time exchange rate data obtained from multiple authoritative exchange rate data sources and cross-verified, calculate the target currency amount after exchange, and generate a structured electronic exchange voucher containing exchange details.

[0054] The intelligent contract is automatically used to obtain real-time exchange rate data, and a dynamic exchange rate pool is constructed by aggregating exchange rate data of multiple foreign exchange platforms. The intelligent contract is an automatically executed contract code based on blockchain technology, which is deployed on the blockchain, and has a specific trigger condition and execution logic preset. The intelligent contract automatically sends a request to multiple foreign exchange platforms at a preset time interval to obtain real-time exchange rate data. The foreign exchange platforms include internationally renowned foreign exchange trading platforms and interbank foreign exchange market interfaces. After the intelligent contract obtains the exchange rate data of each platform, the data is integrated. Each exchange rate data includes source currency, target currency, exchange rate value, timestamp and other information. The data is stored in a data structure to form a dynamic exchange rate pool.

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

[0056] According to the optimal exchange scheme, the amount of target currency after exchange is calculated, and a structured electronic exchange voucher containing exchange details is generated. The exchange details are the contents of the optimal exchange scheme. The contents of the optimal exchange scheme, including exchange steps, used exchange rates, costs, and calculated target currency amounts, are generated in a specific format to generate a structured electronic exchange voucher. The electronic exchange voucher is associated with user identity information, exchange time and other related information.

[0057] The system monitors the change of exchange rate data in the dynamic exchange rate pool in real time, calculates the fluctuation range of the exchange rate, and when the real-time exchange rate fluctuation exceeds the preset threshold, the current exchange business is automatically suspended. At the same time, a risk assessment report of the exchange rate is generated according to the historical data of the exchange rate and the current fluctuation. The report includes cause analysis of exchange rate fluctuation, possible impact and risk that may be faced in the process of continuing exchange, etc. 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 exchange or wait until the exchange rate stabilizes according to the report content and his 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 by using an asymmetric encryption algorithm to generate an irreversible identity hash value.

[0060] The electronic exchange voucher is signed by 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 exchange request, the calculation process record, etc., which can be encrypted into a unique timestamp by using a symmetric encryption algorithm or other encryption methods;

[0061] The identity hash value, electronic exchange voucher and transaction timestamp are distributed and stored in multiple blocks, the content of each block, including the identity hash value, electronic exchange voucher, transaction timestamp and other information in the block header, such as the hash value of the previous block, is calculated by using a hash algorithm to generate a unique hash value, and the hash value of each block is recorded in the block header of the next block, so that each block is linked into a chain to form a block chain.

[0062] The user terminal displays the received electronic exchange voucher information through a two-dimensional code or NFC technology:

[0063] After the system generates the electronic exchange voucher, the key information in the voucher, such as exchange details, target currency amount, transaction time, etc., is encoded and processed, and these information is converted into a two-dimensional code pattern by using a specific two-dimensional code generation algorithm. After receiving the electronic exchange voucher information, the corresponding application program of the user terminal, such as a smart phone, a tablet computer, etc., will call the graphic display function of the device to display the generated two-dimensional code on the screen. The user terminal displays the two-dimensional code to facilitate information verification or business processing;

[0064] The electronic exchange voucher information is encapsulated and processed according to the data format requirements of NFC, and then written into the NFC tag through the NFC chip of the user terminal or interacted with the device supporting NFC. When the user needs to display the electronic exchange voucher, the user terminal is close to the reading device supporting NFC, and the reading device interacts with the user terminal through the NFC communication protocol to read the stored electronic exchange voucher information.

[0065] The received electronic exchange voucher is checked for compliance, and a warning message is issued in a timely manner if any abnormalities are found. Specifically, the format of the received electronic exchange voucher is verified to ensure that it conforms to the standard format specified by the system, such as checking whether the electronic exchange voucher is in the correct structured data format, whether the data fields are complete and accurate, whether there are missing or incorrect fields, etc.; the digital signature attached to the electronic exchange voucher and the corresponding public key are used to verify the signature of the voucher content; the validity and reasonableness 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 to see if they meet the requirements, such as checking whether the exchange amount is within the allowed range and whether the exchange currency type complies with the business restrictions. When any abnormality is found during the compliance check, a warning message is issued through the application program of the user terminal to remind the user that the electronic exchange voucher has an abnormality. The warning message can take various forms, such as a pop-up prompt box, a sound alarm, a push notification message, etc., to ensure that the user can promptly notice the abnormality.

[0066] S4. After the completion of the exchange business, the electronic exchange voucher is marked, and the relevant exchange record is stored in the distributed database.

[0067] After the completion of the exchange business, the electronic exchange voucher corresponding to the exchange business is marked, and the marking information includes the business completion status and the fund arrival situation. The business completion status includes completed, partially completed, and failed. If the entire exchange process is smooth, all exchange operations have been successfully executed, and the target currency amount has been accurately delivered to the user or transferred to the designated account, the business completion status is marked as "completed"; if only part of the exchange operation is completed, such as only part of the amount is exchanged, or some steps have problems but not completely failed, it is marked as "partially completed"; and when the exchange business fails due to various reasons, such as exchange rate fluctuations being too large to execute the transaction, user account abnormalities, etc., the business completion status is marked as "failed".

[0068] In addition, the arrival of the funds is marked: if the user has successfully received the target currency funds after exchange, whether in a bank account, an electronic wallet, or other designated payment channels, the fund arrival situation is marked as "arrived"; if the funds have not arrived in the user's account, are in the process of transfer, or have other delay situations, it is marked as "not arrived"; if there are problems in the transfer process, such as transfer failure and return, etc., it is marked as "fund abnormality".

[0069] The marked information including the business completion state and the fund arrival is associated with the unique identification of the electronic exchange voucher, and is packaged according to the data format requirement of the blockchain, the packaged marked information data is sent to the blockchain node through the interface of the blockchain network, the data is verified by the blockchain node to ensure the integrity and legality, and after the verification, the data is written into the related block of the blockchain and is synchronized to multiple nodes in the network.

[0070] The transaction timestamp of the corresponding electronic exchange voucher is extracted in the blockchain storage network through the identity hash value, the generation time of the electronic voucher is obtained, and the operation log of the electronic exchange voucher is obtained. Specifically, the user or the related institution can search in the blockchain storage network through the identity hash value, the blockchain network finds the block related to the electronic exchange voucher associated with the identity hash value, and extracts the transaction timestamp stored therein; in combination with the transaction timestamp, the operation log of the electronic exchange voucher is further obtained, and the operation log records each operation step in the whole process from the user initiating the exchange request to the completion or failure of the exchange business, such as the request receiving time, the exchange rate obtaining time, the exchange calculation time, the voucher generation time, the fund transfer time, etc. Through integration of these information, the whole life cycle operation record of the electronic exchange voucher can be completely presented.

[0071] The present application has the following advantages:

[0072] According to the embodiment of the present application, the real-time exchange rate data is obtained from multiple authoritative exchange rate data sources and cross-verified, so that the accuracy and transparency of the exchange rate information can be ensured, a solid price basis for exchange transactions is provided, and the fairness of market transactions is improved; the user only needs to submit an exchange request online, which greatly saves time and effort, simplifies the currency exchange process, and improves the business efficiency; the electronic exchange voucher is stored by encryption with the aid of the blockchain technology, so that the security and tamper resistance of the voucher can be improved, and the security risk can be reduced; after the exchange is completed, the exchange record is stored in the distributed database, so that single point failure is avoided, subsequent query and statistical analysis are facilitated, the reliability and scalability of the data are enhanced, and efficient management and supervision of the exchange business are facilitated.

[0073] System embodiment

[0074] According to the embodiment of the present application, a currency exchange voucher electronic processing system is provided, Figure 2 A currency exchange voucher electronic processing system according to one or more embodiments of the present application is shown in a component schematic diagram as Figure 2 According to the embodiment of the present application, a currency exchange voucher electronic processing system is provided,

[0075] Request acquisition module 20: for receiving a currency exchange request of a user, the currency exchange request comprising user identity information, source currency information, target currency information and source currency exchange amount;

[0076] Voucher generation module 22: for calculating the target currency amount after exchange according to real-time exchange rate data, and generating a structured electronic exchange voucher comprising exchange details, the real-time exchange rate data being obtained from multiple authoritative exchange rate data sources and cross-verified;

[0077] Voucher processing module 24: for encrypting the electronic exchange voucher using blockchain technology, and sending the electronic exchange voucher to a user terminal;

[0078] State marking module 26: for marking the electronic exchange voucher after completion of the exchange service, and storing the relevant exchange record in a distributed database.

[0079] The embodiment of the present application is a system embodiment corresponding to the above-mentioned method embodiment, and the specific operation of each module can be understood with reference to the description of the method embodiment, which will not be repeated here.

[0080] Device embodiment one

[0081] The embodiment of the present application provides an electronic device, as shown in the figure, comprising a memory 30, a processor 32 and a computer program stored on the memory 30 and executable on the processor 32, the computer program being executed by the processor 32 to implement the following method steps: Figure 3

[0082] S1. Receiving a currency exchange request of a user, the currency exchange request comprising user identity information, source currency information, target currency information and source currency exchange amount;

[0083] S2. Calculating the target currency amount after exchange according to real-time exchange rate data, and generating a structured electronic exchange voucher comprising exchange details, the real-time exchange rate data being obtained from multiple authoritative exchange rate data sources and cross-verified;

[0084] S3. Encrypting the electronic exchange voucher using blockchain technology, and sending the electronic exchange voucher to a user terminal;

[0085] S4. Marking the electronic exchange voucher after completion of the exchange service, and storing the relevant exchange record in a distributed database.

[0086] Device embodiment two

[0087] ​The embodiment of the present application provides a computer readable storage medium, and the computer readable storage medium stores an implementation program of information transmission.

[0088] S1. receiving a currency exchange request of a user, the currency exchange request containing user identity information, source currency information, target currency information and source currency exchange amount;

[0089] S2. calculating the target currency amount after exchange according to real-time exchange rate data, and generating a structured electronic exchange voucher containing exchange details, wherein the real-time exchange rate data is obtained from multiple authoritative exchange rate data sources and cross-verified;

[0090] S3. encrypting and storing the electronic exchange voucher by using a blockchain technology, and sending the electronic exchange voucher to a user terminal;

[0091] S4. marking the electronic exchange voucher after the completion of the exchange business, and storing the related exchange record into a distributed database.

[0092] The computer readable storage medium of the embodiment includes but is not limited to ROM, RAM, magnetic disk or optical disk and the like.

[0093] Finally, it should be noted that: the above embodiments are only used to illustrate the technical solutions of the present application, and not to limit them; although the present application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that: it can still modify the technical solutions recorded in the foregoing embodiments, or make equivalent replacement to part or all of the technical features; and these modifications or replacements do not make the essence of the corresponding technical solutions deviate from the scope of the technical solutions of the embodiments of the present application.

Claims

1. A method for electronic processing of currency exchange certificates, characterized in that, include: 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; Based on real-time exchange rate data, the target currency amount after conversion is calculated, and a structured electronic exchange certificate containing exchange details is generated. The real-time exchange rate data is obtained from multiple authoritative exchange rate data sources and cross-validated. 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 acquire real-time exchange rate data, and a dynamic exchange rate pool is built by aggregating exchange rate data from multiple foreign exchange platforms. Iterate through the exchange rate pool, filter for the path with the lowest exchange cost, and calculate the optimal exchange plan; Calculate the target currency amount after the exchange based on the optimal exchange plan, and generate a structured electronic exchange voucher containing exchange details, which are the contents of the optimal exchange plan; If the real-time exchange rate fluctuation exceeds the preset threshold, the current exchange service will be suspended, and the user will be provided with an exchange rate risk assessment report and prompted to confirm whether to continue. Blockchain technology is used to encrypt and store electronic vouchers, and the electronic vouchers are sent to the user's 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 a distributed database.

2. The method for electronic processing of currency exchange certificates according to claim 1, characterized in that, When receiving a user's currency exchange request, the user's identity is first verified, specifically: The user's identity is verified by biometric identification or dynamic password. The biometric identification includes fingerprint recognition and facial recognition. After successful verification, the user's identity information is bound to the generated electronic redemption voucher in a one-to-many manner.

3. The electronic processing method for currency exchange certificates according to claim 1, characterized in that, The specific method for encrypting and storing electronic vouchers using blockchain technology is as follows: After the electronic redemption voucher is generated, the user's identity information is desensitized using an asymmetric encryption algorithm to generate an irreversible identity hash value. The electronic redemption 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 redemption certificate, and transaction timestamp are distributed and stored in multiple blocks, and the blockchain is linked together using a hash algorithm.

4. The electronic processing method for currency exchange certificates according to claim 1, characterized in that, After sending the electronic redemption voucher to the user terminal, the method further includes: The user terminal displays the received electronic redemption voucher information via QR code or NFC technology; Conduct compliance checks on received electronic redemption vouchers, and promptly issue warning messages if any abnormalities are found.

5. The electronic processing method for currency exchange certificates according to claim 1, characterized in that, The specific method for marking the electronic redemption voucher and storing the relevant redemption records in the distributed database after the redemption transaction is completed is as follows: 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 fund arrival status. The transaction completion status includes completed, partially completed, and failed. The tagging information is synchronized to the blockchain.

6. The electronic processing method for currency exchange certificates according to claim 1, characterized in that, The method further includes: By extracting the transaction timestamp of the corresponding electronic voucher from the blockchain evidence storage network using the identity hash value, the generation time of the electronic voucher and operation logs are obtained to obtain the full lifecycle operation record of the electronic voucher.

7. An electronic processing system for currency exchange certificates, characterized in that, include Request Acquisition Module: Used to receive users' currency exchange requests, wherein the currency exchange request includes user identity information, source currency information, target currency information, and source currency exchange amount; Voucher generation module: Used to calculate the target currency amount after exchange based on real-time exchange rate data, and generate a structured electronic exchange voucher containing exchange details. The real-time exchange rate data is obtained from multiple authoritative exchange rate data sources and cross-validated. The specific steps 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 are as follows: Smart contracts are used to automatically acquire real-time exchange rate data, and a dynamic exchange rate pool is built by aggregating exchange rate data from multiple foreign exchange platforms. Iterate through the exchange rate pool, filter for the path with the lowest exchange cost, and calculate the optimal exchange plan; Calculate the target currency amount after the exchange based on the optimal exchange plan, and generate a structured electronic exchange voucher containing exchange details, which are the contents of the optimal exchange plan; If the real-time exchange rate fluctuation exceeds the preset threshold, the current exchange service will be suspended, and the user will be provided with an exchange rate risk assessment report and prompted to confirm whether to continue. Voucher processing module: Used to encrypt and store electronic vouchers using blockchain technology, and send the electronic vouchers to the user terminal; Status marking module: Used to mark the electronic redemption voucher after the redemption transaction is completed and store the relevant redemption records in a distributed database.

8. An electronic device, characterized in that, include: processor; as well as, A memory configured to store computer-executable instructions, which, when executed, cause the processor to implement the steps of the electronic processing method for currency exchange certificates as described in any one of claims 1 to 6.

9. A storage medium, characterized in that, Used to store computer-executable instructions, which, when executed, implement the steps of the electronic processing method for currency exchange certificates as described in any one of claims 1 to 6.

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