| CPC G06Q 20/381 (2013.01) | 20 Claims |
|
1. A resource transfer processing method, the method comprising:
receiving, by a distributed client login gateway server, a currency exchange request from a client, the currency exchange request comprising an original currency, a target currency, and an exchange amount;
in response to receiving the currency exchange request, automatically performing by a distributed currency exchange platform
obtaining, a basic exchange rate corresponding to the currency exchange request;
performing an exchange rate markup for the client, the exchange rate markup increasing the basic exchange rate based on at least one of the client, a preset point value, or a percentage of the basic exchange rate;
calculating, based on the exchange rate markup and the exchange amount, an original currency amount payable by the client to execute the currency exchange;
determining, based on a shared ledger application of a blockchain, that a balance of a client original currency account is insufficient to pay the calculated original currency amount payable by the client at a time of the currency exchange request;
based on the determination that the balance of the client original currency account is insufficient at the time of the currency exchange request, processing in real-time a loan from an advance funding intermediate account to the client original currency account and storing the processed loan as a block in the blockchain;
performing in real-time a target currency purchase based on the currency exchange request using the client original currency account by (i) placing a fixed income based on the exchange rate markup into a fixed income account, (ii) placing, in a floating profit or loss account, profit from exchange rate fluctuations between a time when the basic exchange rate was obtained and a time when the target currency exchange was performed, and (iii) purchasing the target currency with remaining portion of the original currency amount payable by the client, wherein at least (iii) is stored as a block in the blockchain,
wherein the distributed currency exchange platform is configured to perform traffic load balancing and overload protection by offloading concurrent trade requests to different servers.
|