CN111738837A - Credit card limit processing method and device - Google Patents
Credit card limit processing method and device Download PDFInfo
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- CN111738837A CN111738837A CN202010573705.8A CN202010573705A CN111738837A CN 111738837 A CN111738837 A CN 111738837A CN 202010573705 A CN202010573705 A CN 202010573705A CN 111738837 A CN111738837 A CN 111738837A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The embodiment of the application discloses a credit card limit processing method and a device, when a user applies for a credit card in other banks, equipment of the bank, namely a first node, acquires an identity of the user. The first node acquires the user information and the credit line of the user from the corresponding block based on the identity. The credit limit is determined when the user applies for the credit card in advance at the second node, and is shared to the blockchain system by the second node. And the first node determines the credit line of the credit card applied currently according to the acquired user information and the credit line. Namely, the block chain provided by the embodiment of the application realizes the sharing of the user information and the credit line, and when the user applies for different bank credit cards, the user does not need to independently submit application data, thereby reducing the auditing process. When the consumption amount of a certain line exceeds the online state, the user can agree to the consumption of the user by using the line amount deduction mode through the credit amount remaining condition shared by other lines in the block chain, and the customer experience is improved.
Description
Technical Field
The application relates to the technical field of data processing, in particular to a credit card limit processing method and device.
Background
At present, the credit card amount approved by the same person is different among different banks, and the credit cards of the same user in different banks are greatly different. The credit card limit applied by the same user in different banks is independent and has no correlation. Meanwhile, due to the fact that credit lines of different banks are mutually independent, when a user applies for different bank credit cards, application data need to be submitted independently and examined and approved independently, and the process is complex.
Disclosure of Invention
In view of this, embodiments of the present application provide a credit card quota processing method and apparatus, so as to implement more efficient response to a user request and improve user experience.
In order to solve the above problem, the technical solution provided by the embodiment of the present application is as follows:
in a first aspect of the embodiments of the present application, a credit card quota processing method is provided, where the method is applied to a first node, and includes:
responding to the application operation of a user, and acquiring the identity of the user;
acquiring user information and a credit line corresponding to the identity from a block corresponding to the first node, wherein the credit line is determined by the second node and is shared to each block in a block chain system, and the block chain system is composed of the block corresponding to the first node and the block corresponding to the second node;
and determining the credit line of the credit card according to the user information and the credit line.
In one possible implementation, the method further includes:
and sending the identity identification and the credit card amount to each block in the block chain system.
In a possible implementation manner, the determining the credit line of the credit card according to the user information and the credit line includes:
searching a corresponding target preset condition according to the credit limit;
judging whether the user information meets the target condition;
when the user information meets a target preset condition, determining the credit amount as the credit line of the credit card;
when the user information does not meet a target preset condition, inquiring the preset condition met by the user information;
and determining the credit line of the credit card according to the credit line corresponding to the preset condition.
In one possible implementation manner, when there are a plurality of the credit lines, the determining the credit line of the credit card according to the user information and the credit line includes:
when the user information meets a preset condition, determining the credit line of the credit card according to the plurality of credit lines;
and when the user information does not meet the preset condition, determining the minimum credit line in the plurality of credit lines as the credit line of the credit card.
In one possible implementation manner, the determining the credit line of the credit card according to a plurality of the credit lines includes:
determining the maximum credit line in the plurality of credit lines as the credit line of the credit card; or the like, or, alternatively,
determining an average credit line of the plurality of credit lines as a credit line of the credit card.
In one possible implementation, the method further includes:
responding to the card swiping operation of the user, and acquiring transaction information, wherein the transaction information at least comprises a consumption amount and the identity;
when the consumption amount in the transaction information is larger than the available amount of the credit card, acquiring the remaining credit amount corresponding to the second node;
and when the remaining credit line is not less than the difference between the consumption amount and the available line of the credit card, deducting the difference from the remaining credit line, and recording shared consumption information, wherein the shared consumption information comprises the identifier of the second node and the difference.
In one possible implementation, the method further includes:
responding to the repayment operation of the user, and judging whether shared consumption information exists or not;
if so, updating the remaining credit limit of the second node;
and updating the available quota of the credit card.
In a second aspect of the embodiments of the present application, there is provided a credit card limit processing apparatus, including:
the first acquisition unit is used for responding to application operation of a user and acquiring the identity of the user;
a second obtaining unit, configured to obtain, from a block corresponding to the first node, user information and a credit line corresponding to the identity, where the credit line is determined by the second node and is shared to each block in a block chain system, and the block chain system is formed by the block corresponding to the first node and the block corresponding to the second node;
and the determining unit is used for determining the credit line of the credit card according to the user information and the credit line.
In a third aspect of embodiments of the present application, there is provided an apparatus, including: a processor and a memory; the memory to store instructions; the processor is used for executing the instruction in the memory and executing the credit card limit processing method of the first aspect.
In a fourth aspect of embodiments of the present application, there is provided a computer-readable storage medium storing program code or instructions that, when executed on a computer, cause the computer to perform the credit card amount processing method of the first aspect.
Therefore, the embodiment of the application has the following beneficial effects:
in the embodiment of the application, when a user applies for a credit card in another bank, the device of the bank, namely the first node, first acquires the identity of the user. Then, the first node acquires the user information and the credit line of the user from the corresponding block based on the identity. The credit limit is the limit determined by the user when the bank corresponding to the second node applies for the credit card in advance, and the second node shares the value block chain system. Then, the first node determines the credit line of the credit card applied currently according to the acquired user information and the credit line. That is, the block chain provided by the embodiment of the application realizes sharing of the user information and the credit line, and when the user applies for different bank credit cards, the user does not need to independently submit application data, thereby reducing the auditing process. Meanwhile, when different banks examine and approve the credit card limit, the credit limit of other banks can be referred to, so that the fast examination and approval are realized, and the working efficiency is improved.
Drawings
Fig. 1 is a schematic view of an application scenario provided in an embodiment of the present application;
FIG. 2 is a flowchart of a credit card limit processing method according to an embodiment of the present disclosure;
FIG. 3 is a flow chart of another credit card limit processing method according to an embodiment of the present application;
FIG. 4 is a diagram of a credit card limit processing framework according to an embodiment of the present application;
FIG. 5 is a diagram of a credit card limit processing device according to an embodiment of the present disclosure.
Detailed Description
In order to make the aforementioned objects, features and advantages of the present application more comprehensible, embodiments accompanying the drawings are described in detail below.
The inventor finds that in the traditional credit card approval process, a user needs to submit application materials, a bank conducts approval according to the application materials submitted by the user, and the limit is determined according to the approval result. However, when a user goes to different banks to apply for a credit card, the user needs to submit application materials separately and approve the application materials separately, which results in a complicated process. In addition, when the user uses a certain bank credit card for consumption, the transaction may fail because the consumption amount reaches the upper limit, which results in poor user experience.
Based on the above, a block chain-based credit card limit processing method and device are provided, which break through the barrier of individual management of each bank, share the credit card limit through the block chain, and when a user newly applies for a certain bank credit card, the bank can refer to the bank limit which is already approved for the user to quickly examine and approve the credit card limit.
In addition, when the user carries out transaction, if the consumption amount of the user in a certain line exceeds the online consumption amount, the user can be agreed to consume in a credit amount remaining condition shared by other lines in the block chain in a credit amount deduction mode, and therefore the user experience is improved.
Referring to the application scenario diagram shown in fig. 1, the blockchain system includes a device in bank a (the second node), a device in bank B (the first node), and a device in bank C (the third node). For example, user a has applied for the first credit card at bank a, and the second node uploads the approved credit line and user information to other nodes in the blockchain system. When a user a applies for a credit card of a bank B, after acquiring the identity of the user a, the first node searches approved limits and user information of other banks according to the identity, and evaluates the final credit limit according to the approved limits and the user information. Meanwhile, the first node shares the final credit limit and the user information to other nodes. When the user a applies for the credit card of bank C, it can proceed as described above.
It should be noted that the frame diagram shown in fig. 1 is only one example in which the embodiments of the present application can be implemented. The scope of applicability of the embodiments of the present application is not limited in any way by this framework.
In order to facilitate understanding of the technical solutions provided by the embodiments of the present application, the following description will be made with reference to the accompanying drawings.
Method embodiment one
Referring to fig. 2, which is a flowchart of a credit card limit processing method provided in an embodiment of the present application, as shown in fig. 2, the method may include:
s201: the first node responds to the application operation of the user and acquires the identity of the user.
In this embodiment, when a user applies for a credit card at a bank corresponding to the first node, the first node first obtains an identity of the user, where the identity may be information that uniquely identifies the user, such as an identification number of the user.
It is understood that, in this embodiment, the user only needs to provide personal identification information when applying for the credit card, and does not need to provide other certification materials and the like.
S202: the first node acquires the user information and the credit line corresponding to the identity from the corresponding block.
After the first node obtains the identity of the user, the user information and the credit line corresponding to the user can be obtained from the block corresponding to the identity according to the identity. The user information may include historical payment status, historical transaction status, work units, wages, and the like of the user. The credit is determined by the second node and is shared to each tile in the blockchain system. The block chain system is composed of a block corresponding to the first node and a block corresponding to the second node. That is, the credit limit is the limit of the credit card that the user has applied for at the bank corresponding to the second node.
Specifically, when the user applies for a credit card at a bank corresponding to the second node, the second node obtains a credit line according to user information submitted by the user, and uploads the identity, the user information and the credit line of the user to the blockchain system, so that other nodes in the blockchain system can store the credit line.
S203: and determining the credit line of the credit card according to the user information and the credit line.
And after the first node acquires the user information and the approved credit line, determining the credit line of the credit card according to the user information and the credit line.
Specifically, the first node may determine the credit line of the credit card by:
the first mode is as follows: 1) the first node searches a corresponding target preset condition according to the credit limit.
In this embodiment, the first node may pre-establish a corresponding relationship between the preset condition and the credit line, and when the first node obtains the credit line determined by the second node, first search for the preset condition corresponding to the credit line, that is, the target preset condition. Wherein the preset conditions are used for representing the repayment ability and/or the consumption ability.
2) The first node judges whether the user information meets a target preset condition, and if so, executes step 3); otherwise, execute 4).
And when the target preset condition is found by the first node, judging whether the target preset condition is met or not according to the user information of the user, and if so, indicating that the repayment capability and/or the consumption capability of the user meet the requirement corresponding to the target preset condition, executing the step 3). If the payment capability and/or the consumption capability of the user do not meet the requirements corresponding to the target preset conditions, the payment capability and/or the consumption capability of the user are/is indicated to not meet the requirements corresponding to the target preset conditions.
3) And when the user information meets the target preset condition, determining the credit line as the line of the credit card.
4) And when the user information does not meet the target preset condition, inquiring the preset condition met by the user information.
5) And determining the credit limit corresponding to the preset condition as the credit card limit.
When the first node finds the preset condition corresponding to the user information, the credit line corresponding to the preset condition is determined as the line of the credit card.
In the second way, the first node obtains multiple credit lines, i.e. the credit lines shared by the nodes of multiple different banks.
1) The first node judges whether the user information meets a preset condition, and if so, the step 2) is executed; otherwise, execute 3).
In the embodiment, when the first node acquires the user information and the credit line shared by a plurality of nodes, whether the preset conditions are met or not is judged according to the user information shared by each node, and if yes, 2) is executed; otherwise, 3) is executed.
2) And determining the credit line of the credit card according to a plurality of credit lines.
Specifically, the first node may determine a maximum credit line of the plurality of credit lines as the credit line of the credit card. Or the first node calculates the average credit line of a plurality of credit lines and determines the average credit line as the credit line of the credit card.
3) The minimum credit line of the plurality of credit lines is determined as the credit line of the credit card.
Based on the above description, when a user applies for a credit card at another bank, the first node, which is a device of the bank, first obtains the identity of the user. Then, the first node acquires the user information and the credit line of the user from the corresponding block based on the identity. The credit limit is the limit determined by the user when the bank corresponding to the second node applies for the credit card in advance, and the second node shares the value block chain system. Then, the first node determines the credit line of the credit card applied currently according to the acquired user information and the credit line. That is, the block chain provided by the embodiment of the application realizes sharing of the user information and the credit line, and when the user applies for different bank credit cards, the user does not need to independently submit application data, thereby reducing the auditing process. Meanwhile, when different banks examine and approve the credit card limit, the credit limit of other banks can be referred to, so that the fast examination and approval are realized, and the working efficiency is improved.
Method embodiment two
Based on the problem that when a user uses a certain bank credit card, the transaction may fail because the consumption amount reaches the upper limit, the embodiment of the present application provides a solution, referring to a flow chart of a method shown in fig. 3, as shown in fig. 3, the method includes:
s301: the first node responds to the card swiping operation of the user to acquire transaction information.
In this embodiment, when the user consumes the credit card approved by the first node, the transaction information is obtained, where the transaction information includes a consumption amount and an identification of the user.
S302: the first node judges whether the consumption amount in the transaction information is larger than the available amount of the credit card, if so, S303 is executed; otherwise, S305 is executed.
In this embodiment, after the first node acquires the transaction information, it is determined whether the consumption amount in the transaction information is greater than the available amount of the current credit card, and if so, it indicates that the current credit card cannot support normal transaction, S303 is executed. If the amount of consumption is less than the available credit line of the current credit card, indicating that the current credit card can support the current transaction, the transaction is normally performed, and S305 is performed.
S303: the first node acquires the remaining credit limit corresponding to the second node from the corresponding block.
In this embodiment, when the available credit line of the credit card corresponding to the first node cannot support the current transaction, the first node acquires the remaining credit line corresponding to the second user node from the corresponding block, that is, each node in the block chain system may share the remaining credit line of the credit card corresponding to each node.
In specific implementation, the first node may preset a priority for acquiring other nodes, and when the remaining credit limit of other nodes needs to be acquired, the priority may be sequentially acquired. For example, the blockchain system includes a second node, a third node, and a fourth node, and the priority is from high to low in the second node, the fourth node, and the third node. When the first node can not support normal transaction, the remaining credit limit corresponding to the second node is obtained first.
S304: and when the remaining credit line corresponding to the second node is not less than the difference between the consumption amount and the available line of the credit card, deducting the difference from the remaining credit line, and recording the shared consumption information.
In this embodiment, when the remaining credit line corresponding to the second node acquired by the first node is not less than the difference between the consumption amount and the available line of the credit card, the difference is deducted from the remaining credit line corresponding to the second node, and the shared consumption information is recorded. Wherein the shared consumption information comprises an identification of the second user node and the difference value.
It can be understood that, after the difference is deducted from the remaining credit line corresponding to the second node, the remaining credit line corresponding to the second node changes, and at this time, the first node may share the updated remaining credit line with the blockchain system, so that each block is updated.
In addition, when the remaining credit limit corresponding to the second node is smaller than the difference between the consumption amount and the available limit of the credit card, the first node can acquire the remaining credit limit corresponding to other nodes until the consumption amount corresponding to the transaction can be met.
S305: the first node sends a transaction success message.
In some implementation manners, when a user repays the shared consumption information on schedule, the first node responds to the repayment operation of the user and judges whether to store the shared consumption information; if yes, updating the remaining credit limit of the second node; and then updating the available limit of the credit card corresponding to the user. If not, directly updating the available quota of the credit card corresponding to the credit card.
Namely, when the user carries out repayment, if the sharing consumption information exists, the remaining credit line of the second node is recovered according to the repayment amount and the sharing consumption information, and then the available line of the user is updated according to the remaining repayment.
For ease of understanding, the application scenario shown in fig. 1 is taken as an example for explanation.
1) When the user holds the bank credit card A for consumption, the transaction information sending dynamic allocation module judges the consumption amount of the bank credit card A of the user and the consumption amount, when the consumption amount is smaller than the consumption amount, the transaction is normally carried out, and the transaction condition is sent to the bank credit card system A.
2) When the consumption amount is larger than the consumable amount, the dynamic allocation module inquires the remaining condition of the available amount of other banks from the amount recording module.
3) And when the remaining consumable amount of the B bank credit card (the current consumption amount-A bank consumable amount) is inquired, writing the current consumption difference condition into the recording module, and reducing the consumable amount of the B bank credit card in the recording module.
4) And sending the transaction information to a background system of the bank A, and simultaneously recording consumption of the bank B as a shared limit.
When the user repays:
1) when the user returns the bank credit card A, the dynamic allocation module judges whether the current user has the consumption condition of the shared amount, and when the current user does not have the consumption condition of the shared amount, the user normally repays the bank credit card A; when the bank payment system exists, the consumable amount of other banks is recovered according to the repayment amount and the shared amount condition of other banks, the repayment condition is sent to the background of the bank A, and the consumable amount of the bank A is adjusted in real time.
Specifically, referring to the frame diagram shown in fig. 4, each node in the blockchain system may include a credit card limit sharing recording module and a credit card limit dynamic allocating and monitoring module.
The credit card limit sharing and recording module: the credit card limit and the remaining available limit applied by the same user among different banks are recorded, so that a query basis is provided for the new card issuing of the user who acts as the user, and a basis is provided for dynamically allocating limit data.
The credit card limit dynamic allocation and monitoring module: and monitoring the consumption condition of the card-holding user in real time, recording module data according to the amount, and dynamically allocating the amount according to the remaining condition of the consumable amount of the card in other lines in real time when the consumption amount is larger than the remaining amount of the consumption card in the transaction process of the user, and agreeing to the current transaction of the user.
Device embodiment
Based on the above method embodiments, the present application provides a credit card limit processing apparatus, referring to fig. 5, the apparatus may include:
a first obtaining unit 501, configured to obtain an identity of a user in response to an application operation of the user;
a second obtaining unit 502, configured to obtain, from a block corresponding to the first node, user information and a credit line corresponding to the identity, where the credit line is determined by the second node and is shared to each block in a block chain system, and the block chain system is formed by the block corresponding to the first node and the block corresponding to the second node;
the determining unit 503 is configured to determine the credit line of the credit card according to the user information and the credit line.
In one possible implementation, the apparatus further includes:
and the sending unit is used for sending the identity identification and the credit card amount to each block in the block chain system.
In a possible implementation manner, the user information at least includes historical repayment information and historical transaction information, and the determining unit is specifically configured to search for a corresponding target preset condition according to the credit line; judging whether the user information meets the target condition; when the user information meets a target preset condition, determining the credit amount as the credit line of the credit card; when the user information does not meet a target preset condition, inquiring the preset condition met by the user information; and determining the credit line of the credit card according to the credit line corresponding to the preset condition.
In a possible implementation manner, when there are a plurality of credit lines, the determining unit, specifically the determining unit, is specifically configured to determine the credit line of the credit card according to the plurality of credit lines when the user information satisfies a preset condition; and when the user information does not meet the preset condition, determining the minimum credit line in the plurality of credit lines as the credit line of the credit card.
In a possible implementation manner, the determining unit is specifically configured to determine a maximum credit line of the plurality of credit lines as a credit line of the credit card; or the like, or, alternatively,
determining an average credit line of the plurality of credit lines as a credit line of the credit card.
In one possible implementation, the apparatus further includes:
the third acquisition unit is used for responding to the card swiping operation of the user and acquiring transaction information, and the transaction information at least comprises a consumption amount and the identity;
the fourth acquisition unit is used for acquiring the remaining credit line corresponding to the second node when the consumption amount in the transaction information is larger than the available line of the credit card;
and the recording unit is used for deducting the difference value from the remaining credit line when the remaining credit line is not less than the difference value between the consumption amount and the available line of the credit card, and recording shared consumption information, wherein the shared consumption information comprises the identifier of the second node and the difference value.
In one possible implementation, the apparatus further includes:
the judging unit is used for responding to the repayment operation of the user and judging whether the shared consumption information exists or not;
the updating unit is used for updating the remaining credit limit of the second node when the judgment result of the judging unit is present;
the updating unit is also used for updating the available quota of the credit card.
It should be noted that, implementation of each unit in this embodiment may refer to the above method embodiment, and this embodiment is not described herein again.
In addition, an embodiment of the present application provides an apparatus, including: a processor and a memory; the memory to store instructions; the processor is used for executing the instruction in the memory and executing the credit card limit processing method.
The embodiment of the application provides a computer-readable storage medium, which stores program codes or instructions and enables a computer to execute the credit card limit processing method when the computer runs on the computer.
It should be noted that, in the present specification, the embodiments are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments may be referred to each other. For the system or the device disclosed by the embodiment, the description is simple because the system or the device corresponds to the method disclosed by the embodiment, and the relevant points can be referred to the method part for description.
It should be understood that in the present application, "at least one" means one or more, "a plurality" means two or more. "and/or" for describing an association relationship of associated objects, indicating that there may be three relationships, e.g., "a and/or B" may indicate: only A, only B and both A and B are present, wherein A and B may be singular or plural. The character "/" generally indicates that the former and latter associated objects are in an "or" relationship. "at least one of the following" or similar expressions refer to any combination of these items, including any combination of single item(s) or plural items. For example, at least one (one) of a, b, or c, may represent: a, b, c, "a and b", "a and c", "b and c", or "a and b and c", wherein a, b, c may be single or plural.
It is further noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. A software module may reside in Random Access Memory (RAM), memory, Read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. A credit card limit processing method is applied to a first node and comprises the following steps:
responding to the application operation of a user, and acquiring the identity of the user;
acquiring user information and a credit line corresponding to the identity from a block corresponding to the first node, wherein the credit line is determined by the second node and is shared to each block in a block chain system, and the block chain system is composed of the block corresponding to the first node and the block corresponding to the second node;
and determining the credit line of the credit card according to the user information and the credit line.
2. The method of claim 1, further comprising:
and sending the identity identification and the credit card amount to each block in the block chain system.
3. The method of claim 1, wherein the subscriber information includes at least historical repayment information, historical transaction information, and wherein determining the credit line of the credit card based on the subscriber information and the credit line comprises:
searching a corresponding target preset condition according to the credit limit;
judging whether the user information meets the target condition;
when the user information meets a target preset condition, determining the credit amount as the credit line of the credit card;
when the user information does not meet a target preset condition, inquiring the preset condition met by the user information;
and determining the credit line of the credit card according to the credit line corresponding to the preset condition.
4. The method of claim 1, wherein determining the credit line of the credit card based on the subscriber information and the credit line when there are a plurality of the credit lines comprises:
when the user information meets a preset condition, determining the credit line of the credit card according to the plurality of credit lines;
and when the user information does not meet the preset condition, determining the minimum credit line in the plurality of credit lines as the credit line of the credit card.
5. The method of claim 4, wherein determining the credit line of the credit card based on a plurality of the credit lines comprises:
determining the maximum credit line in the plurality of credit lines as the credit line of the credit card; or the like, or, alternatively,
determining an average credit line of the plurality of credit lines as a credit line of the credit card.
6. The method of claim 1, further comprising:
responding to the card swiping operation of the user, and acquiring transaction information, wherein the transaction information at least comprises a consumption amount and the identity;
when the consumption amount in the transaction information is larger than the available amount of the credit card, acquiring the remaining credit amount corresponding to the second node;
and when the remaining credit line is not less than the difference between the consumption amount and the available line of the credit card, deducting the difference from the remaining credit line, and recording shared consumption information, wherein the shared consumption information comprises the identifier of the second node and the difference.
7. The method of claim 6, further comprising:
responding to the repayment operation of the user, and judging whether shared consumption information exists or not;
if so, updating the remaining credit limit of the second node;
and updating the available quota of the credit card.
8. A credit card limit processing apparatus, comprising:
the first acquisition unit is used for responding to application operation of a user and acquiring the identity of the user;
a second obtaining unit, configured to obtain, from a block corresponding to the first node, user information and a credit line corresponding to the identity, where the credit line is determined by the second node and is shared to each block in a block chain system, and the block chain system is formed by the block corresponding to the first node and the block corresponding to the second node;
and the determining unit is used for determining the credit line of the credit card according to the user information and the credit line.
9. An apparatus, characterized in that the apparatus comprises: a processor and a memory; the memory to store instructions; the processor, configured to execute the instructions in the memory, to perform the method of any of claims 1-7.
10. A computer-readable storage medium, characterized in that it stores program code or instructions which, when run on a computer, cause the computer to perform the method of any of the preceding claims 1-7.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010573705.8A CN111738837A (en) | 2020-06-22 | 2020-06-22 | Credit card limit processing method and device |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202010573705.8A CN111738837A (en) | 2020-06-22 | 2020-06-22 | Credit card limit processing method and device |
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| CN111738837A true CN111738837A (en) | 2020-10-02 |
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| CN202010573705.8A Pending CN111738837A (en) | 2020-06-22 | 2020-06-22 | Credit card limit processing method and device |
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| CN112288436A (en) * | 2020-10-27 | 2021-01-29 | 上海淇馥信息技术有限公司 | Triggered resource quota adjusting method, device and system |
| CN112508676A (en) * | 2020-11-06 | 2021-03-16 | 上海优扬新媒信息技术有限公司 | Quota evaluation method based on block chain and block chain link point |
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| CN107767265A (en) * | 2017-11-07 | 2018-03-06 | 中积有限公司 | A kind of data sharing method and server |
| CN109978679A (en) * | 2019-03-01 | 2019-07-05 | 中国联合网络通信集团有限公司 | Credit sharing method, device, system and storage medium |
| TW201942847A (en) * | 2018-03-31 | 2019-11-01 | 臺灣土地銀行股份有限公司 | Automatic adjustment system and method for credit card limit capable of automatically increasing or decreasing a credit limit of a credit card according to changes in credit scores and financial statuses |
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| CN107767265A (en) * | 2017-11-07 | 2018-03-06 | 中积有限公司 | A kind of data sharing method and server |
| TW201942847A (en) * | 2018-03-31 | 2019-11-01 | 臺灣土地銀行股份有限公司 | Automatic adjustment system and method for credit card limit capable of automatically increasing or decreasing a credit limit of a credit card according to changes in credit scores and financial statuses |
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| CN112288436A (en) * | 2020-10-27 | 2021-01-29 | 上海淇馥信息技术有限公司 | Triggered resource quota adjusting method, device and system |
| CN112508676A (en) * | 2020-11-06 | 2021-03-16 | 上海优扬新媒信息技术有限公司 | Quota evaluation method based on block chain and block chain link point |
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