Fees and foreign currency exchange calculation

摘要

Various methods, apparatus, and systems are disclosed for calculating a fee linked to an online financial transaction, with improved flexibility and availability through caching and refreshing of fee calculation data. In one embodiment, a method includes extracting fee calculation data into a data cache associated with control data that is updated in response to refreshing of the data cache; receiving a fee calculation request linked to an online transaction associated with a fee type, a country code, and a client identifier; and then selecting, by looking up the data cache, a base fee from either a default fee determined by the fee type and the country code or from an overriding fee associated with the client identifier. The method further includes calculating a transaction fee for the online transaction based at least in part on the base fee; and verifying the control data to transmit the calculated transaction fee.

主权项

1. A method of calculating a fee for an online transaction comprising:
extracting fee calculation data from a database into a data cache comprising at least one writer view and at least one reader view identified by control data, wherein the at least one writer view stores the extracted fee calculation data; swapping the at least one writer view with the at least one reader view by updating the control data, wherein the extracting and the swapping are periodically performed to refresh the data cache; receiving a fee calculation request linked to an online transaction associated with a fee type, a country code, and a client identifier; determining a current reader view based on the control data; accessing, by a hardware processor using the client identifier, the current reader view to determine whether a default fee or an overriding fee applies to the online transaction; retrieving, from the current reader view based on the fee type and the country code, the default fee to use as a base fee in response to determining that the default fee applies; calculating, by the hardware processor, a transaction fee for the online transaction based at least in part on the base fee; determining whether the current reader view has changed due to the periodic performing of the extracting and the swapping; transmitting, in response to determining that the current reader view has not changed, a fee calculation response indicative of the calculated transaction fee; and repeating the accessing, the retrieving, and the calculating in response to determining that the current reader view has changed.