Exercise order processing method, apparatus, device, and medium

Abstract

This application relates to the field of data processing, specifically disclosing a method, apparatus, device, and medium for processing exercise orders. The method includes: in response to an exercise request initiated by an employee user within a preset time period, generating an exercise order to be exercised and its corresponding exercise task; at a first preset time node, calculating the exercise pre-deduction resource information corresponding to the exercise order to be exercised, and at a second preset time node, sending a deduction request to a banking institution based on the exercise pre-deduction resource information; in response to the status change information of the exercise task after successful deduction of the exercise order to be exercised, creating a foreign exchange purchase batch and generating foreign exchange purchase batch information, and synchronizing the foreign exchange purchase batch information with the enterprise user and the banking institution; receiving the actual exchange rate at a fourth preset time node; receiving the actual exercise resources remitted by the banking institution in accordance with the remittance instruction issued by the enterprise user at the fourth preset time node, and in response to the status change information of the exercise task received by the actual exercise resources, completing the exercise order to be exercised and updating the status information of the exercise task.

Description

Technical Field

[0001] This disclosure generally relates to the field of data processing, and specifically to a method, apparatus, device, and medium for processing exercise orders. Background Technology

[0002] With the increasing popularity of corporate equity incentive plans, equity incentives have become a growing way for companies to motivate their employees. Exercise of rights, as the core execution phase of an equity incentive plan, refers to the act of the incentive recipient, such as an employee, exercising the rights granted by the corresponding equity incentive instrument, according to the terms, price, and quantity stipulated in the incentive agreement, after meeting pre-set conditions, in order to obtain company equity or equity-related benefits. Incentive recipients often need to pay certain fees during the exercise process, such as exercise costs, taxes, and handling fees.

[0003] In equity incentive systems, employees can choose to exercise their options in cash to pay costs, taxes, and fees, thus receiving all the incentive shares. However, this cash-based exercise method requires employees to exchange the funds in the appropriate currency and deposit them into their equity incentive system account. This process is lengthy, involves numerous offline procedures, and may result in missing the optimal exercise time, leading to lost gains. Summary of the Invention

[0004] In view of the above-mentioned defects or deficiencies in the existing technology, it is desirable to provide a method, apparatus, equipment and medium for processing exercise orders, which can realize the full-chain automation of foreign exchange settlement through a timed linkage mechanism, and greatly shorten the cash exercise cycle.

[0005] In a first aspect, embodiments of this application provide a method for processing exercise orders, including: In response to employee users' exercise requests initiated within a preset time period, generate orders to be exercised and their corresponding exercise tasks; At a first preset time node, the exercise pre-deduction resource information corresponding to the pending exercise order is calculated, and at a second preset time node, a deduction request is sent to the banking institution based on the exercise pre-deduction resource information to transfer the first monetary resources of the employee user's personal account through the banking institution; the first preset time node is the end time of the preset time period; the second preset time node is after the first preset time node; In response to the change in exercise task status triggered by the successful transfer of pre-deducted resource information corresponding to the pending exercise order, a foreign exchange purchase batch is created and foreign exchange purchase batch information is generated, and the foreign exchange purchase batch information is synchronized with the enterprise user and the banking institution; The actual exchange rate for foreign exchange purchase is received at the fourth preset time node; the actual exchange rate is the actual exchange rate at which the banking institution executes the foreign exchange purchase instruction issued by the enterprise user at the third preset time node to convert the first currency resource into the second currency resource after the foreign exchange purchase batch information is approved; and The system receives the second currency resources corresponding to the actual exercise resource information transferred by the bank institution in executing the remittance instruction issued by the enterprise user at the fourth preset time node, and completes the pending exercise order in response to the exercise task status change information triggered by the successful receipt of the actual exercise resource information.

[0006] Secondly, embodiments of this application provide an exercise order processing apparatus, comprising: The first response module is used to respond to the exercise requests initiated by employee users within a preset time period and generate the exercise orders to be exercised and their corresponding exercise tasks. The second response module is used to calculate the exercise pre-deduction resource information corresponding to the pending exercise order at a first preset time node, and send a deduction request to the banking institution based on the exercise pre-deduction resource information at a second preset time node to transfer the first monetary resources of the employee user's personal account through the banking institution; the first preset time node is the end time of the preset time period; the second preset time node is after the first preset time node; The third response module is used to respond to the change in the exercise task status triggered by the successful transfer of the pre-deducted resource information corresponding to the pending exercise order, create a foreign exchange purchase batch and generate foreign exchange purchase batch information, and synchronize the foreign exchange purchase batch information with the enterprise user and the banking institution. The fourth response module is used to receive the actual exchange rate for foreign exchange purchase at a fourth preset time node; the actual exchange rate is the actual exchange rate at which the banking institution executes the foreign exchange purchase instruction issued by the enterprise user at a third preset time node to convert the first currency resource into the second currency resource after the foreign exchange purchase batch information has been approved; and The fifth response module is used to receive the second monetary resources corresponding to the actual exercise resource information transferred by the bank institution in executing the remittance instruction issued by the enterprise user at the fourth preset time node, and in response to the exercise task status change information triggered by the successful receipt of the actual exercise resource information, complete the pending exercise order and update the status information of the exercise task.

[0007] Thirdly, embodiments of this application provide an electronic device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the program to implement the method described in embodiments of this application.

[0008] Fourthly, embodiments of this application provide a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the method described in embodiments of this application.

[0009] Fifthly, embodiments of this application provide a computer program product, including a computer program, characterized in that, when the computer program is executed by a processor, it implements the method described in embodiments of this application.

[0010] The exercise order processing method, apparatus, equipment, and medium proposed in this application generate exercise orders and their corresponding exercise tasks in response to exercise requests initiated by employee users within a preset time period. Then, through a timed linkage mechanism triggered at the first, second, third, and fourth preset time nodes, and a status linkage mechanism triggered based on changes in the status of successful order deduction and actual resource receipt during exercise, the entire foreign exchange settlement process can be automated. This effectively solves the problem of automatic interaction with external systems in the exercise process, greatly shortens the cash exercise cycle, improves the exercise efficiency of employee users, and protects the rights and interests of employee users.

[0011] Additional aspects and advantages of the invention will be set forth in part in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. Attached Figure Description

[0012] Other features, objects, and advantages of this application will become more apparent from the following detailed description of non-limiting embodiments with reference to the accompanying drawings: Figure 1 The implementation environment architecture diagram of the exercise order processing method provided in the embodiments of this application is shown; Figure 2 A flowchart illustrating an embodiment of the order processing method provided in this application is shown. Figure 3 A flowchart illustrating an exercise order processing method according to another embodiment of this application is shown; Figure 4 A flowchart illustrating an exercise order processing method according to another embodiment of this application is shown; Figure 5 A flowchart illustrating an exercise order processing method according to another embodiment of this application is shown; Figure 6 A flowchart illustrating an exercise order processing method according to another embodiment of this application is shown; Figure 7 A schematic diagram of the structure of an exercise order processing device according to an embodiment of this application is shown; Figure 8A schematic diagram of the structure of a computer system suitable for implementing an electronic device or server according to embodiments of this application is shown. Detailed Implementation

[0013] The present application will now be described in further detail with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and not intended to limit it. Furthermore, it should be noted that, for ease of description, only the parts relevant to the invention are shown in the accompanying drawings.

[0014] It should be noted that, unless otherwise specified, the embodiments and features described in this application can be combined with each other. This application will now be described in detail with reference to the accompanying drawings and embodiments.

[0015] For the specific implementation environment of the exercise order processing method proposed in this application, please refer to [link / reference needed]. Figure 1 . Figure 1 The implementation environment architecture diagram of the exercise order processing method provided in the embodiments of this application is shown.

[0016] like Figure 1 As shown, the implementation environment architecture includes: employee terminal device 101, enterprise terminal device 102, banking institution 103, and server 104.

[0017] The employee-side device 101 is used to run the application employee client and display the first interactive interface provided by the application client to the employee user. The first interactive interface displays option grant information, exercise application information, actual exchange rate, and exercise success notification information to the user. The employee-side device 101 can be a desktop computer, laptop computer, smartphone, tablet computer, e-book reader, smart glasses, smartwatch, in-vehicle device, ultra-mobile personal computer (UMPC), netbook, as well as cellular phone, personal digital assistant (PDA), augmented reality (AR), and virtual reality (VR) devices, but is not limited to these.

[0018] Enterprise-side device 102 is used to run the enterprise client application and display a second interactive interface provided by the application client to enterprise users. This second interactive interface displays information such as option grant information, exercise application information, foreign exchange purchase batch information, and foreign exchange purchase data to the enterprise users' administrators. Enterprise-side device 102 can be a desktop computer, laptop computer, smartphone, tablet computer, e-book reader, smart glasses, smartwatch, in-vehicle device, ultra-mobile personal computer (UMPC), netbook, as well as cellular phones, personal digital assistants (PDAs), augmented reality (AR) devices, and virtual reality (VR) devices, but is not limited to these.

[0019] The banking institution 103 is connected to the employee terminal device 101 and the enterprise terminal device 102 respectively, and is used to perform operations such as foreign exchange settlement, deduction and remittance in response to corresponding requests and / or instructions.

[0020] Employee-side device 101, enterprise-side device 102, and banking institution 103 are respectively connected to server 104. Server 104 is used to execute the exercise order processing method proposed in this application embodiment to assist employee users in exercising their rights in a timely manner through online operations. Server 104 can be an independent physical server, a server cluster or distributed system composed of multiple physical servers, or a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communication, middleware services, domain name services, security services, CDN, and big data and artificial intelligence platforms.

[0021] The employee-side device 101, enterprise-side device 102, and banking institution 103 are directly or indirectly connected to the server 104 via wired or wireless communication. Optionally, the aforementioned wireless or wired network uses standard communication technologies and / or protocols. The network is typically the Internet, but can also be any network, including but not limited to any combination of Local Area Network (LAN), Metropolitan Area Network (MAN), Wide Area Network (WAN), mobile, wired or wireless network, private network, or virtual private network.

[0022] also, Figure 1The number of employee-side devices 101, enterprise-side devices 102, banking institutions 103, and servers 104 shown in the document is merely exemplary. In reality, other numbers of employee-side devices 101, enterprise-side devices 102, banking institutions 103, and servers 104 may be included, and this application does not specifically limit them.

[0023] The exercise order processing method proposed in this application can be implemented by an exercise order processing device, which can be installed on a terminal device or a server.

[0024] To further illustrate the technical solutions provided in the embodiments of this application, a detailed description is provided below in conjunction with the accompanying drawings and specific implementation methods. Although the embodiments of this application provide method operation instruction steps as shown in the following embodiments or drawings, the method may include more or fewer operation instruction steps based on conventional or non-creative effort. In steps where there is no logically necessary causal relationship, the execution order of these steps is not limited to the execution order provided in the embodiments of this application. In actual processing or when the device executes the method, it may be executed sequentially or in parallel according to the method shown in the embodiments or drawings.

[0025] It should be noted that the acquisition or use of data in the embodiments of this application requires the user's consent. The relevant data can only be obtained after the user's authorization and permission, and the acquisition or use of the data complies with the laws and regulations of the relevant regions.

[0026] Please refer to Figure 2 , Figure 2 A flowchart illustrating an embodiment of the order processing method provided in this application is shown. Figure 2 As shown, the method includes: Step 201: In response to the exercise request initiated by the employee user within the preset time period, generate the order to be exercised and its corresponding exercise task.

[0027] It should be noted that employee users can initiate exercise requests on the employee-side device provided by the equity incentive management platform. The equity incentive management platform also offers long-term incentive business functions for Employee Stock Ownership Plans (ESOPs).

[0028] The equity incentive management platform provides employee users with the function of applying for cash purchase of foreign exchange to exercise their stock options within a preset time period. This preset time period is the intraday trading period in the stock's vesting location, typically 9:30 AM to 4:00 PM on weekdays in the stock listing location. In some embodiments, the platform obtains the vesting location of the employee user's stock options to be exercised and the corresponding intraday trading period. This intraday trading period is used as the preset time period for the stock options to be exercised, and the platform receives exercise requests from employee users within this preset time period. For example, if the stock options to be exercised by the employee user are Hong Kong stocks, the preset time period is determined to be 9:30 AM to 4:00 PM Beijing time, Monday to Friday, based on the intraday trading hours of Hong Kong stocks.

[0029] In one specific embodiment, in response to an employee user's exercise request initiated within a preset time period, generating an order to be exercised and its corresponding exercise task includes: in response to the employee user's exercise request, obtaining exercise parameter data corresponding to the exercise request; the exercise parameter data includes the initiation time of the exercise request; performing an exercise check on the exercise request based on the exercise parameter data; the exercise check includes checking whether the initiation time of the exercise request is within the preset time period; if all the exercise parameter data passes the exercise check, then generating an order to be exercised and its corresponding exercise task.

[0030] It should be noted that the exercise check includes, but is not limited to, checking the employee user's exercise rights and checking the time when the exercise request was initiated. The exercise rights check includes, but is not limited to, checking the number of options to be exercised in the employee user's exercise request, whether the stock is listed, and whether the company is eligible to exercise the options. The exercise initiation time check includes, but is not limited to checking whether the exercise request was initiated on an exercisable date and whether it was within a preset time period.

[0031] For example, after receiving an exercise request, the corresponding exercise parameter data is obtained. This data includes, but is not limited to, the number of options granted, stock status information, option ownership location, corresponding trading time period, exchange rate settings, exercise proceeds information, and employee information. Then, an exercise check is performed on each exercise parameter. If all exercise parameters pass the check, the exercise check is considered successful, and a pending exercise order and its corresponding exercise task are generated. If any exercise parameter fails the check, the exercise check is considered unsuccessful.

[0032] It should be understood that, in this embodiment of the application, the exercise check also includes checking the personal information of the employee user who initiated the exercise request, such as checking the bank card information of the employee user, including but not limited to checking the consistency between the bank card holder's name and the employee user's name in the system. If the check passes, the exercise check is determined to have passed, and an order to be exercised and its corresponding exercise task are generated. If the check fails, the exercise check is determined to have failed.

[0033] Furthermore, after the exercise check is passed, order data for the pending exercise order is generated based on the exercise request, including but not limited to order time, order quantity, grant ID, and employee ID. Simultaneously, an exercise task is generated based on the exercise request. This exercise task includes multiple sub-tasks whose status can be updated by a state machine, such as foreign exchange purchase sub-tasks, deduction sub-tasks, tax calculation sub-tasks, collection sub-tasks, and stock settlement sub-tasks, etc., which are not specifically limited in this application.

[0034] In a feasible embodiment, generating an exercise task based on an exercise request includes: obtaining at least one exercise sub-task corresponding to the exercise request, as well as configuration information and status information corresponding to each exercise sub-task; generating an exercise sub-task based on the configuration information and status information of each exercise sub-task; and generating the exercise task corresponding to the exercise request according to the execution order of multiple exercise sub-tasks. The configuration information of the exercise sub-task includes condition information and trigger information for status changes. For example, the corresponding exercise sub-tasks are executed at the first, second, third, and fourth preset time nodes, and the foreign exchange purchase sub-task is triggered based on the successful status of the deduction sub-task. The completion status of the foreign exchange purchase sub-process may also trigger stock settlement sub-tasks and tax calculation sub-tasks, etc., which are not specifically limited in this application.

[0035] It should be noted that multiple subtasks can be executed by the system itself or by an external system. When a subtask is executed by an external system, the system updates its status by receiving the result data returned by the external system, and then advances the overall task flow based on the updated task status. For example, a foreign exchange purchase subtask is executed by an external bank in response to a foreign exchange purchase instruction; the system updates the status information of the foreign exchange purchase subtask based on the foreign exchange purchase data returned by the bank. Alternatively, a payment collection subtask is executed by the system itself; the system updates the status information of the payment collection subtask based on the receipt data.

[0036] The status information of the exercised subtask includes, but is not limited to, initial state, waiting state, successful execution state, and abnormal state. Abnormal states include failure pending rollback and failure already rolled back. In this embodiment, the execution of subsequent subtasks is triggered by the state change of a preceding subtask with a related relationship, thereby achieving linkage with external systems.

[0037] Step 202: At the first preset time node, calculate the exercise pre-deduction resource information corresponding to the order to be exercised, and at the second preset time node, send a deduction request to the banking institution based on the exercise pre-deduction resource information to transfer the first monetary resources of the employee user's personal account through the banking institution; the first preset time node is the end time of the preset time period; the second preset time node is after the first preset time node.

[0038] It should be noted that the first preset time node is the time node for obtaining the closing price corresponding to the exercise request, and the second preset time node is the time node when the associated bank can execute the first transfer of monetary resources, that is, the time node for pre-deducting funds from the employee user's personal account.

[0039] Preferably, the first preset time node is the end time of the preset time period, and the second preset time node is any time node after the current preset time period and before the next preset time period.

[0040] Specifically, the first preset time node can be the closing time of the stock where the option to be exercised is registered, such as 16:00 on a weekday in Beijing time. The second time node is a preset time point after the transaction confirmation time of the region where the associated bank is located, such as 4:00 AM on T+1 day in Beijing time, where T is the date on which the exercise request is initiated.

[0041] In other words, in this embodiment of the application, the closing price is obtained at a first preset time node to calculate the exercise pre-deduction resource information, so as to facilitate the subsequent transfer of the first monetary resources in the employee user's personal account based on the exercise pre-deduction resource information. Specifically, calculating the exercise pre-deduction resource information corresponding to the pending exercise order includes: obtaining the closing information corresponding to the pending exercise order at the first preset time node; obtaining the exercise cost information and expected exercise tax information corresponding to the pending exercise order based on the closing information; and determining the exercise pre-deduction resource information based on the exercise cost information, expected exercise tax information, and preset deduction buffer configuration information.

[0042] In a feasible embodiment, the pre-withholding resource information for exercise refers to the information on fees payable by the incentive recipient during the exercise process. This may include, for example, the exercise cost corresponding to the equity exercise price, as well as any additional costs such as handling fees and taxes. Closing information includes the closing price of the equity underlying asset targeted by the exercise request. This closing information is used to calculate the exercise cost information, which includes the amount of the exercise cost. The expected tax information includes expected taxes. It should be understood that the pre-withholding resource information for exercise also includes handling fees.

[0043] Specifically, the pre-deducted resources for exercise = exercise cost + handling fee + tax. Exercise cost = cost price of the equity target targeted by the exercise request (secondary currency resource) * yesterday's exchange rate * (1 + deduction buffer amount / 100). Handling fee = handling fee (secondary currency resource) * yesterday's exchange rate. The deduction buffer amount is the configured value of the cash purchase foreign exchange exercise reserve buffer item of the affiliated bank, i.e., the deduction buffer configuration information. Using the above algorithm formula, the intermediate data and pre-deducted resources information required for foreign exchange purchase exercise are calculated and saved.

[0044] Furthermore, after obtaining the pre-deduction resource information for exercising the rights, a deduction request is sent to the banking institution based on the pre-deduction resource information at a second preset time node. This allows the banking institution to transfer the first monetary resources in the employee user's personal account, i.e., the banking institution pre-deducts funds from the employee user's personal account through the banking system. Specifically, in response to the deduction request, the banking institution checks whether the first monetary resources in the personal account of the employee user who initiated the exercise request are greater than or equal to the pre-deduction resource information for exercising the rights. If they are, the banking system transfers the corresponding amount of first monetary resources from the employee user's personal account to realize the pre-deduction for exercising the rights. If they are less, the deduction fails, and a message of unsuccessful deduction is returned to the equity incentive system. It should be understood that the banking institution in this embodiment is a banking institution with operational authority over the employee user's personal account, such as the bank to which the bank card checked during the aforementioned exercise check belongs.

[0045] Specifically, a deduction request is generated based on the pre-deduction resource information for the exercise of options and the employee's personal account information. At a second preset time node, the deduction request is sent to the bank via its deduction interface. The bank responds to the deduction request by deducting the funds from the employee's personal account and returns the deduction result. If the deduction is successful, the equity incentive management platform determines the status change of the deduction sub-task in the exercise task to "deduction successful." If the deduction fails, the equity incentive management platform sends a deduction failure notification to the employee.

[0046] Step 203: In response to the change in exercise task status triggered by the successful transfer of pre-deducted resource information corresponding to the pending exercise order, create a foreign exchange purchase batch and generate foreign exchange purchase batch information, and synchronize the foreign exchange purchase batch information with enterprise users and banking institutions.

[0047] In other words, when the status of the deduction subtask changes to successful deduction, the exercise task is triggered to enter the foreign exchange purchase subtask based on the status change. That is, the exercise process enters the foreign exchange purchase subprocess, which may include first creating a foreign exchange purchase batch and generating foreign exchange purchase batch information.

[0048] Specifically, after receiving the deduction result from the bank, the status information of the deduction sub-task is changed according to the deduction result. Then, based on the status change result and the relevant information of the pending exercise order with successful deduction, a foreign exchange purchase batch is created and foreign exchange purchase batch information is generated.

[0049] Furthermore, the foreign exchange purchase batch includes the foreign exchange purchase information of all exercise requests received within a preset time period corresponding to the exercise tasks. In other words, the foreign exchange purchase information of all exercise requests received within a preset time period corresponding to the exercise tasks constitutes a foreign exchange purchase batch.

[0050] The foreign exchange purchase batch information includes total purchase information and detailed purchase information. The total purchase information can be used to notify other systems of synchronized foreign exchange purchase information, while the detailed purchase information is retrieved by other systems from the current system for synchronization purposes. The total purchase information includes the purchase batch number, grant plan number, first currency account, second currency account, total purchase amount, currency of purchase, total amount paid, and total number of transactions. The detailed purchase information includes the purchase batch detail number, employee ID, employee name, bank card number, grant number, currency of purchase, cost, tax, handling fee, and deduction amount.

[0051] In one feasible embodiment, synchronizing foreign exchange purchase batch information with enterprise users and banking institutions includes: sending total purchase information to banking institutions and receiving a pull response from banking institutions to retrieve detailed foreign exchange purchase information; sending total purchase information to enterprise users and receiving a pull response from enterprise users to retrieve detailed foreign exchange purchase information; and triggering enterprise users to retrieve detailed foreign exchange purchase information from banking institutions.

[0052] Specifically, such as Figure 3 As shown, the equity incentive management platform creates a foreign exchange purchase batch and sends the total purchase information to the banking institution. This notifies the banking institution that the foreign exchange purchase batch has been created and that they can retrieve the corresponding purchase details. The banking institution then sends a retrieval request to the equity incentive management platform to retrieve the purchase details of the batch for which it has received the total purchase information.

[0053] Similarly, the equity incentive management platform sends purchase summary information to enterprise users, that is, it notifies enterprise users of the purchase batch, informing them that the purchase batch has been created and that they can retrieve the purchase details of that batch. Enterprise users then send a retrieval request to the equity incentive management platform to retrieve the purchase details of the batch for which they have received the purchase summary information.

[0054] In this embodiment of the application, the enterprise user can be the enterprise end provided by the equity incentive management platform for enterprise users, which is similar to the employee end of the employee user and has business functions corresponding to the user's permissions.

[0055] In addition, the equity incentive management platform sends purchase summary information to enterprise users, and at the same time triggers enterprise users to retrieve purchase details from banking institutions. That is, enterprise users send a request to banking institutions to obtain purchase batch information in order to obtain the purchase summary information of the purchase batches that the banking institutions have received from the equity incentive management platform. Then, based on the purchase summary information, the platform sends a retrieval request to banking institutions to retrieve the purchase details of the purchase batches that have received the purchase summary information from the banking institutions.

[0056] Therefore, the embodiments of this application advance the exercise process according to the status changes of the exercise task, realize automatic interaction between the equity incentive management platform, banking institutions and corporate users, without the need for manual intervention, and greatly improve the execution efficiency of the exercise process.

[0057] In some embodiments, since the synchronization of foreign exchange purchase batch information involves information synchronization with external enterprise users and banking institutions, synchronization anomalies are prone to occur. Therefore, this application further proposes adding a scheduled task during the foreign exchange purchase batch information synchronization process. Specifically, if the equity incentive management platform does not receive a request to retrieve detailed foreign exchange purchase information within a preset time period after sending the total purchase information to the banking institution or enterprise user, it will resend the total purchase information to the banking institution or enterprise user. This ensures successful data synchronization between the equity incentive management platform and external systems, effectively shortening the data latency between multiple systems and breaking down data silos. The preset time period can be 10 minutes, reducing the data latency to the minute level to ensure timely and accurate data synchronization and improve the overall efficiency of the exercise process.

[0058] Step 204: At the fourth preset time node, receive the actual exchange rate for foreign exchange purchase; the actual exchange rate for foreign exchange purchase is the actual exchange rate at which the bank executes the foreign exchange purchase instruction issued by the enterprise user at the third preset time node to convert currency between the first currency resource and the second currency resource after the foreign exchange purchase batch information is approved.

[0059] It should be noted that the fourth preset time node is the time node when the banking institution executes the foreign exchange purchase instruction issued by the corporate user to convert the first monetary resources transferred from the employee user's personal account into the second monetary resources. That is, after executing the foreign exchange purchase instruction, the banking institution generates the actual foreign exchange exchange rate based on the purchase result and then returns the actual exchange rate to the equity incentive management platform. Optionally, the fourth preset time node can be a unified execution time node for foreign exchange purchase allocated by the banking institution for at least one corporate user, or it can be an execution time node for foreign exchange purchase allocated independently for a specific corporate user. This application does not make specific limitations. The third preset time node is any time node between the second and fourth preset time nodes, and can be set according to the approval time of the corporate user's foreign exchange purchase batch information. This application does not make specific limitations. In a specific embodiment, the third preset time node is 12:00 on T+1 day, and the fourth preset time node is 18:00 on T+1 day.

[0060] Specifically, such as Figure 3 As shown, after the enterprise user obtains the total purchase amount and purchase details of the foreign exchange purchase batch from the equity incentive management platform and the banking institution respectively, the enterprise user reviews and verifies the total purchase amount and purchase details of the foreign exchange purchase batch obtained from the equity incentive management platform and the banking institution respectively. That is, it determines whether the foreign exchange purchase batch information obtained from the equity incentive management platform is consistent with the foreign exchange purchase batch information obtained from the banking institution. If they are consistent, the approval is approved; if they are inconsistent, the approval is not approved.

[0061] After the batch of foreign exchange purchase information is approved, corporate users send foreign exchange purchase instructions to banking institutions. Preferably, corporate users can send these instructions through a direct bank-enterprise connection. Specifically, corporate users use the direct bank-enterprise connection interface to send these instructions. Direct bank-enterprise connection refers to the seamless connection between a corporate user's system or professional treasury management system and a commercial bank's business system, e-banking system, or cash management platform through an open data interface provided by the bank. Through this connection, corporate users can access online banking services such as real-time account balance and transaction details inquiries, real-time transfers, fund collection / allocation, payroll processing, electronic receipt retrieval, and investment and wealth management.

[0062] Banking institutions respond to foreign exchange purchase instructions by executing foreign exchange purchase operations, such as transferring funds into a corporate user's domestic equity incentive foreign exchange account and then providing feedback on the purchase results to the corporate user. This information includes, but is not limited to, the purchase result, the actual exchange rate, the purchase time, the currency purchased, the purchase amount, the currency sold, the sales amount, and the total ratio.

[0063] In one feasible embodiment, the equity incentive management platform, banking institutions, and enterprise users perform corresponding operations through business execution codes. Specifically, the total purchase information in the foreign exchange purchase batch information can be added to the corresponding business execution code, and the notification of the foreign exchange purchase batch information can be sent to the banking institutions and enterprise users by running the business execution code.

[0064] In one feasible embodiment, after receiving the actual exchange rate of currency conversion between the first and second monetary resources at the fourth preset time node, the equity incentive management platform saves the actual exchange rate and displays the actual exchange rate of the purchase to the employee users for the order to be exercised.

[0065] Step 205: Receive the second monetary resources corresponding to the actual exercise resource information transferred by the bank institution executing the remittance instruction issued by the enterprise user at the fourth preset time node, and respond to the exercise task status change information triggered by the successful receipt of the actual exercise resource information to complete the pending exercise order.

[0066] It should be noted that before issuing a remittance instruction, enterprise users further verify the foreign exchange purchase result information returned by the bank. If the foreign exchange purchase result information of the bank is normal, for example, if it matches the instruction information in the foreign exchange purchase instruction, then the foreign exchange purchase is confirmed to be normal, and a remittance instruction is further sent to the bank so that the bank can transfer the second monetary resources corresponding to the actual resource information of the exercise of rights to the equity incentive management platform.

[0067] The actual resources for exercising options include secondary monetary resources corresponding to the exercise costs, which represent the costs incurred by employee users in exercising their options, including but not limited to exercise costs and handling fees. Preferably, banking institutions transfer the secondary monetary resources obtained through foreign exchange purchase to the equity incentive management platform, that is, transfer the secondary monetary resources obtained through foreign exchange purchase to the equity incentive management platform.

[0068] Furthermore, in response to the change in the status of the exercise task triggered by the successful receipt of actual resource information for exercise, the equity incentive management platform transfers the second monetary resource corresponding to the exercise cost to the enterprise user.

[0069] In other words, after receiving the second monetary resources corresponding to the actual exercise resources transferred by the banking institution in response to the remittance instruction, the equity incentive management platform transfers the exercise costs to the enterprise user. It should be understood that, in this embodiment, the transfer of exercise costs through the equity incentive management platform ensures the reliable flow of exercise costs and guarantees the reliability of the exercise.

[0070] Therefore, the exercise order processing method proposed in this application generates an exercise order and its corresponding exercise task in response to the exercise request initiated by the employee user within a preset time period. Then, through a timed linkage mechanism triggered at the first, second, third, and fourth preset time nodes, and a status linkage mechanism triggered based on the status changes of successful order deduction and actual resource receipt for exercise, the entire foreign exchange settlement process can be automated. This effectively solves the problem of automatic interaction with external systems in the exercise process, greatly shortens the cash exercise cycle, improves the exercise efficiency of employee users, and protects the rights and interests of employee users.

[0071] Furthermore, in a feasible embodiment, the exercise order processing also includes a tax calculation sub-task. Specifically, in response to the enterprise user's tax calculation sub-task query request, a list of tax calculation sub-tasks corresponding to the exercise order is sent to the enterprise user; in response to the enterprise user's tax calculation correction instruction, when the actual tax calculation corresponding to the exercise order is inconsistent with the withholding tax calculation in the exercise withholding resource information, a tax calculation correction is performed so that the banking institution can adjust the credit limit to the employee user's personal account based on the corrected tax calculation details.

[0072] In other words, in this embodiment of the application, tax calculation can be further adjusted based on the actual foreign exchange purchase situation, i.e., refunds for overpayments and additional payments for underpayments. Specifically, such as... Figure 4As shown, enterprise users call the interface of the equity incentive management platform to send a tax calculation sub-task query request to the platform to obtain a list of tax calculation tasks for employee users awaiting review. Enterprise users calculate their taxes according to their own tax calculation rules and compare them with the obtained tax calculation task list to determine whether the list needs correction. Specifically, the enterprise user compares its calculated tax with the tax calculation task list obtained from the equity incentive management platform; if they match, no modification is needed; otherwise, modification is required. Further, when the enterprise user's calculated tax is inconsistent with the tax calculation task list obtained from the equity incentive management platform, it sends a tax correction instruction to the platform, causing the platform to correct the tax calculation result accordingly. Preferably, in this embodiment, the tax correction instruction sent by the enterprise user to the equity incentive management platform is an instruction to modify the tax calculation rules. That is, the enterprise user sends part or all of the tax calculation rule data to the platform based on the tax correction instruction, thereby modifying the platform's tax calculation result. Then, when the enterprise user's tax calculation sub-task list matches that of the equity incentive management platform, the enterprise user sends a detailed tax calculation correction amount to the equity incentive management platform. This allows the platform to provide feedback to the user regarding any overpayment or underpayment of tax. For example, taking a refund as an example, the refund amount = withheld resources for exercise - actual tax - foreign exchange cost. In some embodiments, the refund amount may also deduct handling fees; this application does not specifically limit this.

[0073] Correspondingly, corporate users also send a detailed statement of tax adjustment amounts to banking institutions so that when the bank directly connects with corporate clients to refund the amount to employee users' personal accounts, the financial institutions can operate according to this detailed statement. Similarly, if the tax withheld during the exercise of options is insufficient, the compensation tax amount will be deducted from the employee users' personal accounts using appropriate procedures.

[0074] Therefore, the embodiments of this application can refine the tax amount exercised by employee users, and make refunds or additional payments based on the actual foreign exchange purchase situation, thus protecting the actual interests of employee users and corporate users.

[0075] In one specific embodiment, such as Figure 5 As shown, when an employee initiates an exercise request on the employee side of the equity incentive management platform, a pending exercise order is generated. At the first preset time node, such as the closing time of the stock issuance location, the equity incentive management platform calculates the exercise pre-deduction resource information corresponding to the pending exercise order, that is, the total pre-deduction fee, and displays the exercise pre-deduction resource information to the employee to prompt the employee to deposit sufficient first monetary resources into the personal account used for deduction in order to carry out the exercise pre-deduction, that is, to transfer the first monetary resources in the employee's personal account.

[0076] At a second preset time point, such as 4 PM Eastern Time or 4 AM Beijing Time T+1, the equity incentive management platform sends a deduction request to the banking institution based on the pre-deduction resource information for the exercise of options. This allows the banking institution to transfer the first monetary resources in the employee user's personal account. The deduction request includes at least one deduction information corresponding to at least one employee user. In response to the deduction request, the banking institution transfers the first monetary resources in the employee user's personal account and reports the deduction result back to the equity incentive management platform. Based on the deduction result, the equity incentive management platform determines whether the pre-deduction was successful. If the pre-deduction fails, for example, due to insufficient balance in the employee user's personal account, it sends an exercise failure notification to the employee's client and explains the reason for the failure, such as insufficient balance in the personal account.

[0077] If the prepayment is successful, the equity incentive management platform creates a foreign exchange purchase batch based on at least one pending exercise order that has not yet been created before the second preset time node, generates foreign exchange purchase batch information, and sends the information to both the enterprise user and the banking institution. Specifically, it acquires all pending exercise orders between two adjacent second preset time nodes, determines the corresponding foreign exchange purchase information based on these orders, and creates foreign exchange purchase batches accordingly. The enterprise user performs a consistency review of the foreign exchange purchase batches obtained from the equity incentive management platform and the banking institution. If the review is successful, at the third preset time, for example, 12:00 PM Beijing time T+1, it sends a foreign exchange purchase instruction to the banking institution via the bank-enterprise direct connection interface. After receiving the instruction, the banking institution performs the foreign exchange purchase at the fourth preset time node, converting the first currency resource into the second currency resource, and returns the purchase result to the enterprise user. The enterprise user receives the purchase result from the banking institution and sends the actual exchange rate used by the banking institution for the currency conversion between the first and second currency resources to the equity incentive management platform, so that the platform can display the actual exchange rate to employees through their client. Meanwhile, after the enterprise user approves the foreign exchange purchase result, they call the bank-enterprise direct connection interface to send an instruction to the bank institution, so that the bank institution can transfer the purchased second currency resources into the relevant account of the equity incentive management platform. Then, the equity incentive management platform allocates the exercise cost to the enterprise user according to the second currency resources corresponding to the actual exercise resource information received, and performs stock settlement for the enterprise user and employee users, thus completing the processing of pending exercise orders.

[0078] At the same time, the equity incentive management platform confirms the actual tax amount of the orders to be exercised. Enterprise users revise the tax calculation sub-task list of the equity incentive management platform according to the tax calculation sub-tasks, and the banking institutions make refunds or additional payments to the individual accounts of employee users according to the revised tax calculation details.

[0079] In another specific embodiment, the detailed process of the embodiments of this application is described in conjunction with the update of the exercise task status, such as... Figure 6 As shown, in response to an employee user's exercise request initiated within a preset time period, a pending exercise order and its corresponding exercise task are generated, and the status of the pending exercise order is updated according to the pending exercise order. At the first preset time node, the closing price is obtained, the exercise pre-deducted resource information corresponding to the pending exercise is calculated, the exercise pre-deducted resource information corresponding to the pending exercise order is saved, and the exercise task status is updated.

[0080] At the second preset time node, a deduction request is sent to the banking institution to transfer the first monetary resources from the employee user's personal account through the banking institution. The deduction result is received and evaluated. If the deduction fails, the exercise fails, the tax calculation sub-task is deleted, the risk control limit is released, the quantity granted for exercise is released, the pending exercise orders are updated, the exercise task status is updated, and a notification message of exercise failure is sent to the user, completing the exercise process. If the deduction is successful, a batch is created, specifically generating the foreign exchange purchase batch total information and foreign exchange purchase details. The exercise task status is updated, the foreign exchange purchase batch information is synchronized, the exercise task status is updated again, the finance department confirms receipt, and the finance department receives the second monetary resources remitted by the bank based on the foreign exchange purchase sub-task, updating the exercise task status.

[0081] After the finance department confirms receipt of payment, a cost-related attendance batch record is created, the cost is deposited into the corresponding account of the enterprise user, and the exercise task status is updated. Simultaneously, stock settlement is processed, employee users' stocks are unfrozen, and the exercise task status is updated. Also, tax payment is confirmed, and the exercise task status is updated according to the tax calculation sub-task. The exercise process is completed, the status of pending exercise orders is updated, the exercise task status is updated, and the exercise process ends.

[0082] It should be noted that although the operation of the method of the present invention is described in a specific order in the accompanying drawings, this does not require or imply that the operations must be performed in that specific order, or that all the operations shown must be performed in order to achieve the desired result.

[0083] Figure 7 A schematic diagram of the structure of an exercise order processing device provided in an embodiment of this application is shown.

[0084] like Figure 7 As shown, the exercise order processing device 10 includes: The first response module 11 is used to respond to the exercise request initiated by the employee user within a preset time period and generate the exercise order to be exercised and its corresponding exercise task; The second response module 12 is used to calculate the exercise pre-deduction resource information corresponding to the order to be exercised at a first preset time node, and send a deduction request to the banking institution based on the exercise pre-deduction resource information at a second preset time node to transfer the first monetary resources of the employee user's personal account through the banking institution; the first preset time node is the end time of the preset time period; the second preset time node is after the first preset time node; The third response module 13 is used to respond to the change in the exercise task status triggered by the successful transfer of the pre-deducted resource information corresponding to the pending exercise order, create a foreign exchange purchase batch and generate foreign exchange purchase batch information, and synchronize the foreign exchange purchase batch information with the enterprise user and the banking institution. The fourth response module 14 is used to receive the actual exchange rate for foreign exchange purchase at a fourth preset time node; the actual exchange rate is the actual exchange rate at which the banking institution executes the foreign exchange purchase instruction issued by the enterprise user at a third preset time node to convert the first currency resource into the second currency resource after the foreign exchange purchase batch information has been approved; and The fifth response module 15 is used to receive the second currency resources corresponding to the actual exercise resource information transferred by the bank institution in executing the remittance instruction issued by the enterprise user at the fourth preset time node, and in response to the exercise task status change information triggered by the successful receipt of the actual exercise resource information, complete the pending exercise order and update the status information of the exercise task.

[0085] In some embodiments, the third response module 13 is specifically used for: Send the total purchase information to the banking institution and receive a response from the banking institution to retrieve the detailed purchase information; Send the total purchase information to the enterprise user and receive a response from the enterprise user to retrieve the purchase details; and trigger the enterprise user to retrieve the purchase details from the banking institution.

[0086] In some embodiments, the fifth response module 15 is specifically used for: In response to the change in exercise task status triggered by the successful receipt of the actual resource information for exercise, a second monetary resource corresponding to the exercise cost is transferred to the enterprise user.

[0087] In some embodiments, the fifth response module 15 is further configured to: In response to the enterprise user's request for querying tax sub-tasks, a list of tax sub-tasks corresponding to the pending orders is sent to the enterprise user; In response to the enterprise user's tax calculation correction instruction, when the actual tax calculation corresponding to the pending exercise order is inconsistent with the withholding tax calculation in the exercise withholding resource information, a tax calculation correction is performed so that the banking institution can adjust the credit limit to the employee user's personal account based on the corrected tax calculation details.

[0088] In some embodiments, the first response module 11 is specifically used for: In response to the exercise request initiated by the employee user, obtain the exercise parameter data corresponding to the exercise request; the exercise parameter data includes the initiation time of the exercise request; Based on the exercise parameter data, the exercise request is checked; the exercise check includes checking whether the initiation time of the exercise request is within the preset time period; If all the exercise parameter data passes the exercise check, then an order to be exercised and its corresponding exercise task are generated.

[0089] In some embodiments, the second response module 12 is specifically used for: At the first preset time node, obtain the closing information corresponding to the pending exercise order; Based on the closing information, obtain the exercise cost information and expected tax information for the pending exercise orders; Based on the exercise cost information, the expected tax information for exercise, and the preset deduction buffer configuration information, the pre-deducted resource information for exercise is determined.

[0090] It should be understood that the modules or modules described in the exercise order processing device 10 are related to the reference. Figure 2 The steps in the described method correspond accordingly. Therefore, the operations and features described above for the method also apply to the exercise order processing device 10 and its included modules, and will not be repeated here. The exercise order processing device 10 can be pre-implemented in the browser or other secure applications of an electronic device, or it can be loaded into the browser or its secure applications of an electronic device through download or other means. The corresponding modules in the exercise order processing device 10 can cooperate with the modules in the electronic device to implement the solutions of the embodiments of this application.

[0091] The division of modules or units mentioned in the detailed description above is not mandatory. In fact, according to the embodiments of this disclosure, the features and functions of two or more modules or units described above can be embodied in one module or unit. Conversely, the features and functions of one module or unit described above can be further divided and embodied by multiple modules or units.

[0092] The following is for reference. Figure 8 , Figure 8A schematic diagram of the structure of a computer system suitable for implementing the embodiments of this application is shown. like Figure 8 As shown, the computer system 800 includes a central processing unit (CPU) 801, which can perform various appropriate actions and processes based on programs stored in read-only memory (ROM) 802 or programs loaded from storage section 808 into random access memory (RAM) 803. RAM 803 also stores various programs and data required for the system's operating instructions. CPU 801, ROM 802, and RAM 803 are interconnected via bus 804. Input / output (I / O) interface 805 is also connected to bus 804.

[0093] The following components are connected to I / O interface 805: an input section 806 including a keyboard, mouse, etc.; an output section 807 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and speakers, etc.; a storage section 808 including a hard disk, etc.; and a communication section 809 including a network interface card such as a LAN card, modem, etc. The communication section 809 performs communication processing via a network such as the Internet. A drive 810 is also connected to I / O interface 805 as needed. A removable medium 811, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on drive 810 as needed so that computer programs read from it can be installed into storage section 808 as needed.

[0094] Specifically, according to embodiments of this application, the flowchart above refers to... Figure 2 The described process can be implemented as a computer software program. For example, embodiments of this application include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for performing the methods shown in the flowchart. In such an embodiment, the computer program contains program code for performing the methods shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network via communication section 809, and / or installed from removable medium 811. When the computer program is executed by central processing unit (CPU) 801, it performs the functions defined in the system of this application.

[0095] It should be noted that the computer-readable medium shown in this application can be a computer-readable signal medium or a computer-readable storage medium, or any combination of the two. A computer-readable storage medium can be, for example,—but not limited to—an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of a computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination thereof. In this application, a computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. In this application, a computer-readable signal medium can include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code. Such propagated data signals can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. Computer-readable signal media can also be any computer-readable medium other than computer-readable storage media, which can send, propagate, or transmit a program for use by or in connection with an instruction execution system, apparatus, or device. The program code contained on the computer-readable medium can be transmitted using any suitable medium, including but not limited to: wireless, wire, optical fiber, RF, etc., or any suitable combination thereof.

[0096] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operational instructions of possible implementations of systems, methods, and computer program products according to various embodiments of this application. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two connected blocks may actually be executed substantially in parallel, or they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in the block diagrams and / or flowcharts, and combinations of blocks in the block diagrams and / or flowcharts, can be implemented using a dedicated hardware-based system that performs the specified functions or operational instructions, or using a combination of dedicated hardware and computer instructions.

[0097] The units or modules described in the embodiments of this application can be implemented in software or hardware. The described units or modules can also be housed in a processor; for example, a processor can be described as including a first response module, a second response module, a third response module, a fourth response module, and a fifth response module. The names of these units or modules do not necessarily limit the specific unit or module itself. For example, the first response module can also be described as "responding to an employee user's exercise request initiated within a preset time period, generating an order to be exercised and its corresponding exercise task."

[0098] In another aspect, this application also provides a computer-readable storage medium, which may be included in the electronic device described in the above embodiments, or may exist independently and not assembled into the electronic device. The aforementioned computer-readable storage medium stores one or more programs that, when used by one or more processors, execute the order processing method described in this application.

[0099] The above description is merely a preferred embodiment of this application and an explanation of the technical principles employed. Those skilled in the art should understand that the scope of disclosure in this application is not limited to technical solutions formed by specific combinations of the above-described technical features, but should also cover other technical solutions formed by arbitrary combinations of the above-described technical features or their equivalents without departing from the foregoing disclosed concept. For example, technical solutions formed by substituting the above features with (but not limited to) technical features with similar functions disclosed in this application.

Claims

1. An exercise order processing method characterized by comprising: include: In response to employee users' exercise requests initiated within a preset time period, generate orders to be exercised and their corresponding exercise tasks; At the first preset time node, calculate the exercise pre-deduction resource information corresponding to the order to be exercised, and at the second preset time node, send a deduction request to the banking institution based on the exercise pre-deduction resource information to transfer the first monetary resources of the employee user's personal account through the banking institution; The first preset time node is the end time point of the preset time period; The second preset time node is after the first preset time node; In response to the change in exercise task status triggered by the successful transfer of pre-deducted resource information corresponding to the pending exercise order, a foreign exchange purchase batch is created and foreign exchange purchase batch information is generated, and the foreign exchange purchase batch information is synchronized with the enterprise user and the banking institution; The actual exchange rate for foreign exchange purchase is received at the fourth preset time node; the actual exchange rate for foreign exchange purchase is the actual exchange rate at which the banking institution executes the foreign exchange purchase instruction issued by the enterprise user at the third preset time node to convert the currency between the first currency resource and the second currency resource after the foreign exchange purchase batch information is approved; as well as The system receives the second currency resources corresponding to the actual exercise resource information transferred by the bank institution in executing the remittance instruction issued by the enterprise user at the fourth preset time node, and completes the pending exercise order in response to the exercise task status change information triggered by the successful receipt of the actual exercise resource information.

2. The method for processing exercise orders according to claim 1, characterized in that, The foreign exchange purchase batch information includes total purchase information and purchase details. The synchronization of the foreign exchange purchase batch information with corporate users and banking institutions includes: Send the total purchase information to the banking institution and receive a response from the banking institution to retrieve the detailed purchase information; Send the total purchase information to the enterprise user and receive a response from the enterprise user to retrieve the purchase details; and trigger the enterprise user to retrieve the purchase details from the banking institution.

3. The method for processing exercise orders according to claim 1, characterized in that, Also includes: In response to the change in exercise task status triggered by the successful receipt of the actual resource information for exercise, a second monetary resource corresponding to the exercise cost is transferred to the enterprise user.

4. The method for processing exercise orders according to claim 1, characterized in that, Also includes: In response to the enterprise user's request for querying tax sub-tasks, a list of tax sub-tasks corresponding to the pending orders is sent to the enterprise user; In response to the enterprise user's tax calculation correction instruction, when the actual tax calculation corresponding to the pending exercise order is inconsistent with the withholding tax calculation in the exercise withholding resource information, a tax calculation correction is performed so that the banking institution can adjust the credit limit to the employee user's personal account based on the corrected tax calculation details.

5. The method for processing exercise orders according to claim 1, characterized in that, The process of responding to an employee user's exercise request within a preset time period and generating an order to be exercised and its corresponding exercise task includes: In response to the exercise request initiated by the employee user, obtain the exercise parameter data corresponding to the exercise request; the exercise parameter data includes the initiation time of the exercise request; Based on the exercise parameter data, the exercise request is checked; the exercise check includes checking whether the initiation time of the exercise request is within the preset time period; If all the exercise parameter data passes the exercise check, then an order to be exercised and its corresponding exercise task are generated.

6. The method for processing exercise orders according to claim 1, characterized in that, The calculation of the exercise pre-deducted resource information corresponding to the pending exercise order includes: At the first preset time node, obtain the closing information corresponding to the pending exercise order; Based on the closing information, obtain the exercise cost information and expected tax information for the pending exercise orders; Based on the exercise cost information, the expected tax information for exercise, and the preset deduction buffer configuration information, the pre-deducted resource information for exercise is determined.

7. A device for processing exercise orders, characterized in that, include: The first response module is used to respond to the exercise requests initiated by employee users within a preset time period and generate the exercise orders to be exercised and their corresponding exercise tasks. The second response module is used to calculate the exercise pre-deduction resource information corresponding to the order to be exercised at the first preset time node, and send a deduction request to the banking institution based on the exercise pre-deduction resource information at the second preset time node so as to transfer the first monetary resources of the employee user's personal account through the banking institution; The first preset time point is the end time point of the preset time period; The second preset time node is after the first preset time node; The third response module is used to respond to the change in the exercise task status triggered by the successful transfer of the pre-deducted resource information corresponding to the pending exercise order, create a foreign exchange purchase batch and generate foreign exchange purchase batch information, and synchronize the foreign exchange purchase batch information with the enterprise user and the banking institution. The fourth response module is used to receive the actual exchange rate for foreign exchange purchase at the fourth preset time node; the actual exchange rate for foreign exchange purchase is the actual exchange rate at which the banking institution executes the foreign exchange purchase instruction issued by the enterprise user at the third preset time node to convert the first currency resource into the second currency resource after the foreign exchange purchase batch information is approved; as well as The fifth response module is used to receive the second monetary resources corresponding to the actual exercise resource information transferred by the bank institution in executing the remittance instruction issued by the enterprise user at the fourth preset time node, and in response to the exercise task status change information triggered by the successful receipt of the actual exercise resource information, complete the pending exercise order and update the status information of the exercise task.

8. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that, When the processor executes the program, it implements the exercise order processing method as described in any one of claims 1-6.

9. A computer-readable storage medium having a computer program stored thereon, characterized in that, When executed by the processor, the program implements the exercise order processing method as described in any one of claims 1-6.

10. A computer program product, comprising a computer program, characterized in that, When executed by a processor, the computer program implements the exercise order processing method according to any one of claims 1-6.

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