CN107784500A - transaction limit control system and method - Google Patents
transaction limit control system and method Download PDFInfo
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- CN107784500A CN107784500A CN201710149640.2A CN201710149640A CN107784500A CN 107784500 A CN107784500 A CN 107784500A CN 201710149640 A CN201710149640 A CN 201710149640A CN 107784500 A CN107784500 A CN 107784500A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0639—Performance analysis of employees; Performance analysis of enterprise or organisation operations
- G06Q10/06393—Score-carding, benchmarking or key performance indicator [KPI] analysis
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
Abstract
The invention discloses a kind of transaction limit control system and method.The transaction limit control system includes client terminal and server；Client terminal, for receiving applying to purchase product information and being sent to server for user's input；Applying to purchase product information includes ID, product IDs and applies to purchase quantity；Server, apply to purchase product information for receiving, the limit coefficient according to corresponding to determining ID, the limit radix according to corresponding to determining product IDs, the product based on limit cardinal sum limit coefficient determines limit quantity；Server, it is additionally operable to judgement and applies to purchase quantity whether in limit quantity；If in limit quantity, transaction is completed based on product information of applying to purchase；If not in limit quantity, excess prompting message is sent to client terminal；Client terminal, it is additionally operable to receive and shows excess prompting message.The transaction limit control system can realize the transaction limit for accurately controlling each user to apply to purchase limit product corresponding to product IDs, realize the effective monitoring to trade market.
Description
Technical field
The present invention relates to technical field of information processing, more particularly to a kind of transaction limit control system and method.
Background technology
Current financial mechanism carries out the rare type limit product such as precious metal or rare finance rationed exchange, expensive to avoid
The rare type limit sales volume of the product such as heavy metal or rare metal is larger and influences market normal operation.Existing transaction limit control
System can only controlling organization be no more than default amount when daily sales, can not realize can apply to purchase limit product for each user
Transaction limit accurate control.
The content of the invention
In view of this, the present invention provides a kind of transaction limit control system and method, is controlled with solving existing transaction limit
System can not realize the problem of accurate control for the transaction limit that can apply to purchase limit product for each user.
The technical solution adopted for the present invention to solve the technical problems is：
In a first aspect, the present invention provides a kind of transaction limit control system, including client terminal and server；
The client terminal, apply to purchase product information transmission for receiving the product information of applying to purchase of user's input, and by described
To the server；It is described to apply to purchase product information including ID, product IDs and apply to purchase quantity；
The server, for receive it is described apply to purchase product information, the limit coefficient according to corresponding to determining the ID,
The limit radix according to corresponding to determining the product IDs, the product based on limit coefficient described in the limit cardinal sum determine limit
Quantity；
The server, it is additionally operable to apply to purchase quantity whether in the limit quantity described in judgement；If described apply to purchase quantity
In the limit quantity, then apply to purchase product information completion transaction based on described；If described apply to purchase quantity not in the limit number
In amount, then excess prompting message is sent to the client terminal；
The client terminal, it is additionally operable to receive and shows the excess prompting message.
Preferably, the limit coefficient according to corresponding to determining the ID, including：
At least one scoring is included according to user's representation data, user's representation data corresponding to ID inquiry
Index；The Score index includes annual income, lawful age, bank's flowing water, landline telephone, house situation, working time, credit
Record or bank financing；
The individual event score value of each Score index corresponding to user's representation data is obtained, and is based on the individual event score value meter
Calculate general comment score value；
Score value coefficient conversion table is inquired about based on the general comment score value, obtains the limit coefficient.
Preferably, the limit radix according to corresponding to determining the product IDs, including：
The limit value of at least one limit project and each limit project according to corresponding to determining the product IDs；The limit
Volume project includes product amount, mechanism amount, transaction limit, time amount or channel amount；
Using the common factor of limit value corresponding at least one limit project as the limit radix.
Preferably, the client terminal, the limit information of receiving mechanism user input is additionally operable to, and by the limit information
Upload to the server；The limit information is associated with organization user ID, and the limit information includes product IDs, limit
Project and limit value；
The server, it is additionally operable to receive the limit information, is judged whether based on the organization user ID with limit
Authority is set；If so, then the limit information is stored in limit information table.
Preferably, the excess prompting message includes limit quantity；
The client terminal, the drop volume for being additionally operable to receive user's input apply to purchase information, and the drop volume, which applies to purchase information, includes production
Product ID and drop volume apply to purchase quantity, and the drop volume applies to purchase quantity and is less than or equal to the limit quantity；
The server, is additionally operable to judge whether to apply to purchase in the drop volume and the drop volume is received in the time applies to purchase information；
If so, then applying to purchase information based on the drop volume completes transaction；If it is not, the drop volume is then applied to purchase into information as applying to purchase described in new
Product information, the product information of applying to purchase is handled according to the sequencing for applying to purchase product information is received.
Second aspect, the present invention also provide a kind of transaction limit control method, comprised the following steps：
Product information is applied to purchase in client terminal reception user's input, and the product information of applying to purchase is sent into server；
It is described to apply to purchase product information including ID, product IDs and apply to purchase quantity；
Server applies to purchase product information described in receiving, the limit coefficient according to corresponding to determining the ID, according to described
Limit radix corresponding to product IDs determination, the product based on limit coefficient described in the limit cardinal sum determine limit quantity；
Server applies to purchase quantity whether in the limit quantity described in judging；If described apply to purchase quantity in the limit number
In amount, then apply to purchase product information completion transaction based on described；If described apply to purchase quantity not in the limit quantity, to described
Client terminal sends excess prompting message；
Client terminal receives and shows the excess prompting message.
Preferably, the limit coefficient according to corresponding to determining the ID, including：
At least one scoring is included according to user's representation data, user's representation data corresponding to ID inquiry
Index；The Score index includes annual income, lawful age, bank's flowing water, landline telephone, house situation, working time, credit
Record or bank financing；
The individual event score value of each Score index corresponding to user's representation data is obtained, and is based on the individual event score value meter
Calculate general comment score value；
Score value coefficient conversion table is inquired about based on the general comment score value, obtains the limit coefficient.
Preferably, the limit radix according to corresponding to determining the product IDs, including：
The limit value of at least one limit project and each limit project according to corresponding to determining the product IDs；The limit
Volume project includes product amount, mechanism amount, transaction limit, time amount or channel amount；
Using the common factor of limit value corresponding at least one limit project as the limit radix.
Preferably, also comprise the following steps：
The limit information of the client terminal receiving mechanism user input, and the limit information is uploaded into the service
Device；The limit information is associated with organization user ID, and the limit information includes product IDs, limit project and limit value；
The server receives the limit information, judges whether to set with limit based on the organization user ID and weighs
Limit；If so, then the limit information is stored in limit information table.
Preferably, the excess prompting message includes limit quantity；
The transaction limit control method also comprises the following steps：
The drop volume that the client terminal receives user's input applies to purchase information, and the drop volume, which applies to purchase information, includes product IDs and drop
Volume applies to purchase quantity, and the drop volume applies to purchase quantity and is less than or equal to the limit quantity；
The server, which judges whether to apply to purchase in the drop volume, to be received the drop volume and applies to purchase information in the time；If so, then
Information is applied to purchase based on the drop volume and completes transaction；If it is not, the drop volume is then applied to purchase into information as applying to purchase product letter described in new
Breath, the product information of applying to purchase is handled according to the sequencing for applying to purchase product information is received.
The present invention has the following advantages that compared with prior art：Transaction limit control system and method provided by the present invention
In, user is uploaded by client terminal to server applies to purchase product information, and server is applied to purchase product information to each, is based respectively on
ID determines limit coefficient and determines limit radix based on product IDs, then corresponding to being determined based on limit coefficient and limit radix
Limit quantity, so as to realize the turnover for accurately controlling user corresponding to each ID to apply to purchase limit product corresponding to product IDs
Degree, to realize the effective monitoring to the trade market of limit product corresponding to product IDs.
Brief description of the drawings
Below in conjunction with drawings and Examples, the invention will be further described, in accompanying drawing：
Fig. 1 is a theory diagram of transaction limit control system in the embodiment of the present invention 1；
Fig. 2 is a flow chart of transaction limit control method in the embodiment of the present invention 2.
Embodiment
In order to which technical characteristic, purpose and the effect of the present invention is more clearly understood, now compares accompanying drawing and describe in detail
The embodiment of the present invention.
Embodiment 1
Fig. 1 shows the theory diagram of the transaction limit control system in the present embodiment.The transaction limit control system can answer
In the financial institutions such as bank, securities broker company, for being traded amount control to limit product.Transaction limit control system
System includes client terminal 10 and server 20, passes through WiFi network, 3G network or 4G nets between client terminal 10 and server 20
The wireless networks such as network or wired network communication are connected.Client terminal 10 includes but is not limited to the intelligence such as computer, smart mobile phone, PAD
Can terminal.
Client terminal 10, apply to purchase product information for receive user's input, and the product information of applying to purchase is sent to service
Device 20；Applying to purchase product information includes ID, product IDs and applies to purchase quantity.
Wherein, ID is used for the user that unique identification uploads product information of applying to purchase, and can be the identification card number of user,
It can be the user account number that user registers in the transaction limit control system.Product IDs are to apply to purchase product for unique identification
Mark, can be name of product (such as safety bank stock) or product code (such as safety bank stock code
[000001]) etc..The quantity of applying to purchase refers to that user thinks quantity and/or amount of money of buying quota product etc..
Server 20, apply to purchase product information for receiving, the limit coefficient according to corresponding to determining ID, according to product IDs
It is determined that corresponding limit radix, the product based on limit cardinal sum limit coefficient determines limit quantity.
Wherein, limit radix is associated with product IDs, can sell related limit by metallic magnetisms such as bank, securities broker companies
During product, determined according to the property (such as rare degree or relevant policies) of limit product.Limit coefficient and user's reference behavior
Associated, the behavior of user's reference can be determined by user's representation data that user gathers during financial institution handles related service
It is fixed.Limit quantity be limit cardinal sum limit coefficient product, limit quantity can be made not only associated with product IDs, and with
Family ID is associated, so that server 20 can realize the essence for the transaction limit for applying to purchase limit product to each user based on limit quantity
Really control.
In an embodiment, the process of the limit coefficient according to corresponding to determining ID of server 20 is including as follows
Step：
The user's representation data according to corresponding to being inquired about ID of server 20, user's representation data include at least one scoring
Index；Score index includes annual income, lawful age, bank's flowing water, landline telephone, house situation, working time, credit record
Or bank financing.
Specifically, the user representation data corresponding with ID, user portrait number are previously stored with server 20
According to the user model for being the labeling taken out according to information such as user's social property, habits and customs and consumer behaviors.Such as use
Family A user's representation data is as follows：Annual income is 80,000, and lawful age is 30 years old, has 3 with the flowing water that goes to bank, has unit to consolidate
Words, rent a house for a long time, and the working time is 5 years, have and are recorded for car, there is 50,000 short-term finance products.
Server 20 obtains the individual event score value of each Score index corresponding to user's representation data, and is based on individual event score value meter
Calculate general comment score value.
Specifically, server 20 receives when applying to purchase product information, right after getting user's representation data according to ID
Each single item Score index inquires about the individual event score value of corresponding score value conversion table respectively, is then added all individual event score values, to obtain
General comment score value.By taking annual income as an example, its corresponding score value conversion table is as follows：Annual income is less than 30000, and its individual event score value is 2 points；
For annual income between 30000-50000, its individual event score value is 5 points；For annual income between 50001-70000, its individual event score value is 9
Value；For annual income in 70001-90000, its individual event score value is 15 points；Between 90001-11000, its individual event score value is annual income
20 points；For annual income more than 110,000, its individual event score value is 25 points.User A annual income is 80,000, then its corresponding score value is 15
Divide, similarly obtain the individual event score value of other Score indexes.
Server 20 is based on general comment score value inquiry score value coefficient conversion table, obtains limit coefficient.
Specifically, server 20 is after the general comment score value of user's representation data corresponding to the ID is calculated, inquiry point
Value coefficient conversion table, the score value coefficient conversion table are used for the conversion relation for embodying general comment score value and limit coefficient.It is specific real one
Apply in example, score value coefficient conversion table is as follows：General comment score value is 21-30, and its limit coefficient is 0.4；General comment score value is 31-40, its
Limit coefficient is 0.6；General comment score value is 41-50, and its limit coefficient is 0.8；General comment score value is 51-60, and its limit coefficient is 1；
General comment score value is 61-70, and its limit coefficient is 1.2；General comment score value is 71-80, and its limit coefficient is 1.4；General comment score value is 81-
90, its limit coefficient is 1.6；For general comment score value between 90-100, its limit coefficient is 1.8；It is determined that after general comment score value, according to
Section of the general comment score value where in score value coefficient conversion table, it may be determined that its limit coefficient.
In an embodiment, the process of the limit radix according to corresponding to determining product IDs of server 20 is including as follows
Step：
The limit value of at least one limit project and each limit project according to corresponding to determining product IDs of server 20；Limit
Volume project includes product amount, mechanism amount, transaction limit, time amount or channel amount.
Wherein, the limit project corresponding with product IDs by limit product property (such as rare degree or relevant policies)
Determine；Can be product amount, mechanism amount, transaction limit, time amount and channel according to the limit project that product IDs determine
In any one or product amount, mechanism amount, transaction limit, time amount and channel amount in amount at least
Two kinds of any combination.Product limit is the limitation number of transaction of a certain limit product.Mechanism amount is any mechanism (such as each silver
Mechanisms at different levels in the financial institutions such as row, security, including but not limited to head office, branch, subbranch etc.) to limit product limitation transaction
Quantity.Transaction limit is the limitation number of transaction of a certain limit product single transaction.Time amount refers to that a certain limit product exists
Monthly, number of transaction is limited in the range of daily or other times.Channel amount refers to each limit product in any sale
Limitation number of transaction in channel (such as webpage channel, APP channels).
Server 20 is using the common factor of limit value corresponding at least one limit project as limit radix.
Specifically, server 20 is received when applying to purchase product information, and its corresponding limit product is can determine that according to product IDs
The limit value of corresponding limit project and each limit project；If a limit project is only corresponded to, by the limit of the limit project
Volume value is as limit issue (common factor of the empty set formed equivalent to the limit value with other limit projects), to realize to limit
The one-dimensional control of the transaction limit of product；If corresponding at least two limit projects, by the limit value of at least two limit projects
Common factor as limit radix, to realize that the multidimensional to the transaction limit of limit product controls.
Server 20, it is additionally operable to judgement and applies to purchase quantity whether in limit quantity；If applying to purchase quantity in limit quantity,
Transaction is completed based on product information of applying to purchase；If applying to purchase quantity not in limit quantity, send excess to client terminal 10 and remind
Information.
Specifically, after server 20 obtains the limit quantity based on ID and product IDs determination, then judge to apply to purchase product
Apply to purchase quantity whether in limit quantity in information.If applying to purchase quantity in limit quantity, it is corresponding that the product IDs can be sold
Limit product, can be based on apply to purchase product information complete transaction.If apply to purchase quantity not in limit quantity, to client terminal 10
Send excess prompting message.Wherein, excess prompting message includes limit quantity, and the limit quantity is related to product IDs and ID
Connection, so that client, which understands it, can purchase the quantity of limit product corresponding to the product IDs.
Client terminal 10, it is additionally operable to receive and shows excess prompting message.
It is to be appreciated that user corresponding to the ID of family can be used to can be appreciated that product for the excess prompting message that client terminal 10 is shown
The limit quantity of limit product corresponding to ID, to decide whether to continue to buy limit product corresponding to the product IDs.
In the transaction limit control system, user is uploaded by client terminal 10 to server 20 applies to purchase product information, takes
Business device 20 applies to purchase product information to each, determines limit coefficient based on ID, and determine limit radix, then base based on product IDs
Limit quantity corresponding to being determined in the product of limit coefficient and limit radix, is accurately controlled corresponding to each ID so as to realize
User applies to purchase the transaction limit of limit product corresponding to product IDs, to realize the trade market to limit product corresponding to product IDs
Effective monitoring.
In an embodiment, client terminal 10, the drop volume for being additionally operable to receive user's input applies to purchase information, drop volume Shen
Purchase information includes product IDs and drop volume applies to purchase quantity, and drop volume applies to purchase quantity and is less than or equal to limit quantity.
It is to be appreciated that client terminal 10 shows excess prompting message, for reminding its limit to be applied to purchase production of user
The limit quantity of product, so that client decides whether to continue to apply to purchase limit product corresponding to the product IDs.If user checks the excess
After prompting message, it is desirable to, can be by client terminal 10 to server 20 when applying to purchase the limit product in limit quantitative range
Upload drop volume and apply to purchase information.
Server 20, is additionally operable to judge whether to apply to purchase in drop volume and drop volume is received in the time applies to purchase information；If so, then it is based on
Drop volume applies to purchase information and completes transaction；If it is not, drop volume then is applied to purchase into information as new product information of applying to purchase, apply to purchase according to receiving
The sequencing of product information is handled the product information of applying to purchase.
Wherein, the drop volume time of applying to purchase is the time range (such as 1min) that organization user pre-sets, if user is in drop volume
Apply to purchase in time range and apply to purchase information to the upload drop volume of server 20, then server 20 applies to purchase information priority treatment to drop volume.Can
To understand ground, the record of server 20 sends the transmission time of excess prompting message, and acquisition receives drop volume and applies to purchase connecing for information
Between time receiving, and judge the reception time, whether the drop volume from being sent the time was applied to purchase in the time；If so, then preferentially it is based on the drop volume Shen
Purchase information and complete transaction；If it is not, then by the drop volume information of applying to purchase be considered as it is new apply to purchase product information, upload with client terminal 10 its
He applies to purchase that product information is the same, and pending Shen is determined according to the sequencing of the reception time for applying to purchase product information received
The order of product information is purchased, successively completes transaction.
In the embodiment, server 20 determines multiple Shens based on the reception time for applying to purchase product information received
The sequencing of product information processing is purchased, if any quantity of applying to purchase applied to purchase in product information handled exceedes corresponding limit
Quantity, then send excess prompting message to client terminal 10.After user checks excess prompting message by client terminal 10, it can lead to
Cross client terminal 10 and apply to purchase information to the upload drop volume of server 20.If server 20 is applied to purchase in drop volume receives drop volume Shen in the time
When purchasing information, information can be applied to purchase based on drop volume and completes transaction, apply to purchase number to apply to purchase user's change of product information to first upload
The chance of amount, improve service satisfaction of the user to mechanism.If server 20 is applied to purchase in drop volume is not received by drop volume in the time
When applying to purchase information, the drop volume is applied to purchase into information and handled as the new product information of applying to purchase, overlong time is avoided waiting for, influences
Service satisfaction of the other users to mechanism.
In an embodiment, client terminal 10 is additionally operable to the limit information of receiving mechanism user input, and will limit
Volume information uploads onto the server 20；Limit information is associated with organization user ID, and limit information includes product IDs, limit project
With limit value.
In the present embodiment, organization user ID is used for unique identification organization user, can be the identification card number of organization user,
It can be the job number of organization user.Organization user refers to that providing the rare type limit product trading such as precious metal or rare metal puts down
The management user of platform.It is to be appreciated that organization user can upload limit information, each limit by client terminal 10 to server 20
Volume information is associated with organization user ID, to determine to make the organization user of the upload limit information.Organization user is uploading limit
, can be corresponding by least one limit project corresponding to limit product corresponding to each product IDs and each limit project during information
Limit value upload onto the server 20, so as to server 20 receive the upload of client terminal 10 apply to purchase product information after,
Limit radix corresponding to limit information determination can be based on.
Server 20, it is additionally operable to receive limit information, judges whether to set authority with limit based on organization user ID；If
It is that then limit information is stored in limit information table.
It is to be appreciated that after server 20 receives limit information, whether first decision mechanism user has limit to set authority,
To decide whether the limit information that organization user corresponding to the organization user ID uploads being stored in limit information table, in order to
Server 20 is handled based on the product information of applying to purchase that limit information table uploads to each user based on corresponding limit information.
Further, if organization user ID sets authority without limit, server 20 can send lack of competence notice to client terminal 10,
Used with alert mechanism user sets other organization user ID of authority to upload the limit information with limit.It is to be appreciated that
Organization user can also set drop volume to apply to purchase the time by client terminal 10 to server 20, to control server 20 to receive drop volume
Apply to purchase the time of information.
Embodiment 2
The transaction limit control method that Fig. 2 goes out in the present embodiment.The transaction limit control method can be applicable to bank, security
Deng in the transaction limit control system in financial institution, wherein, the transaction limit control system is used to hand over limit product
Easy amount control.The transaction limit control system includes client terminal 10 and server 20, client terminal 10 and server 20 it
Between be connected by the wireless networks such as WiFi network, 3G network or 4G networks or wired network communication.Client terminal 10 include but
It is not limited to the intelligent terminals such as computer, smart mobile phone, PAD.As shown in Fig. 2 the transaction limit control method comprises the following steps：
S10：Product information is applied to purchase in the reception user's input of client terminal 10, and the product information of applying to purchase is sent into server
20；Applying to purchase product information includes ID, product IDs and applies to purchase quantity.
Wherein, ID is used for the user that unique identification uploads product information of applying to purchase, and can be the identification card number of user,
It can be the user account number that user registers in the transaction limit control system.Product IDs are to apply to purchase product for unique identification
Mark, can be name of product (such as safety bank stock) or product code (such as safety bank stock code
[000001]) etc..The quantity of applying to purchase refers to that user thinks quantity and/or amount of money of buying quota product etc..
S20：Server 20, which receives, applies to purchase product information, the limit coefficient according to corresponding to determining ID, according to product IDs
It is determined that corresponding limit radix, the product based on limit cardinal sum limit coefficient determines limit quantity.
Wherein, limit radix is associated with product IDs, can sell related limit by metallic magnetisms such as bank, securities broker companies
During product, determined according to the property (such as rare degree or relevant policies) of limit product.Limit coefficient and user's reference behavior
Associated, the behavior of user's reference can be determined by user's representation data that user gathers during financial institution handles related service
It is fixed.Limit quantity be limit cardinal sum limit coefficient product, limit quantity can be made not only associated with product IDs, and with
Family ID is associated, so that server 20 can realize the essence for the transaction limit for applying to purchase limit product to each user based on limit quantity
Really control.
In an embodiment, the process of the limit coefficient according to corresponding to determining ID of server 20 is including as follows
Step：
S211：The user's representation data according to corresponding to being inquired about ID of server 20, user's representation data include at least one
Individual Score index；Score index includes annual income, lawful age, bank's flowing water, landline telephone, house situation, working time, letter
Credit is recorded or bank financing.
Specifically, the user representation data corresponding with ID, user portrait number are previously stored with server 20
According to the user model for being the labeling taken out according to information such as user's social property, habits and customs and consumer behaviors.Such as use
Family A user's representation data is as follows：Annual income is 80,000, and lawful age is 30 years old, has 3 with the flowing water that goes to bank, has unit to consolidate
Words, rent a house for a long time, and the working time is 5 years, have and are recorded for car, there is 50,000 short-term finance products.
S212：Server 20 obtains the individual event score value of each Score index corresponding to user's representation data, and is based on individual event
Score value calculates general comment score value.
Specifically, server 20 receives when applying to purchase product information, right after getting user's representation data according to ID
Each single item Score index inquires about the individual event score value of corresponding score value conversion table respectively, is then added all individual event score values, to obtain
General comment score value.By taking annual income as an example, its corresponding score value conversion table is as follows：Annual income is less than 30000, and its individual event score value is 2 points；
For annual income between 30000-50000, its individual event score value is 5 points；For annual income between 50001-70000, its individual event score value is 9
Value；For annual income in 70001-90000, its individual event score value is 15 points；Between 90001-11000, its individual event score value is annual income
20 points；For annual income more than 110,000, its individual event score value is 25 points.User A annual income is 80,000, then its corresponding score value is 15
Divide, similarly obtain the individual event score value of other Score indexes.
S213：Server 20 is based on general comment score value inquiry score value coefficient conversion table, obtains limit coefficient.
Specifically, server 20 is after the general comment score value of user's representation data corresponding to the ID is calculated, inquiry point
Value coefficient conversion table, the score value coefficient conversion table are used for the conversion relation for embodying general comment score value and limit coefficient.It is specific real one
Apply in example, score value coefficient conversion table is as follows：General comment score value is 21-30, and its limit coefficient is 0.4；General comment score value is 31-40, its
Limit coefficient is 0.6；General comment score value is 41-50, and its limit coefficient is 0.8；General comment score value is 51-60, and its limit coefficient is 1；
General comment score value is 61-70, and its limit coefficient is 1.2；General comment score value is 71-80, and its limit coefficient is 1.4；General comment score value is 81-
90, its limit coefficient is 1.6；For general comment score value between 90-100, its limit coefficient is 1.8；It is determined that after general comment score value, according to
Section of the general comment score value where in score value coefficient conversion table, it may be determined that its limit coefficient.
In an embodiment, the process of the limit radix according to corresponding to determining product IDs of server 20 is including as follows
Step：
S221：The limit of at least one limit project and each limit project according to corresponding to determining product IDs of server 20
Value；Limit project includes product amount, mechanism amount, transaction limit, time amount or channel amount.
Wherein, the limit project corresponding with product IDs by limit product property (such as rare degree or relevant policies)
Determine；Can be product amount, mechanism amount, transaction limit, time amount and channel according to the limit project that product IDs determine
In any one or product amount, mechanism amount, transaction limit, time amount and channel amount in amount at least
Two kinds of any combination.Product limit is the limitation number of transaction of a certain limit product.Mechanism amount is any mechanism (such as each silver
Mechanisms at different levels in the financial institutions such as row, security, including but not limited to head office, branch, subbranch etc.) to limit product limitation transaction
Quantity.Transaction limit is the limitation number of transaction of a certain limit product single transaction.Time amount refers to that a certain limit product exists
Monthly, number of transaction is limited in the range of daily or other times.Channel amount refers to each limit product in any sale
Limitation number of transaction in channel (such as webpage channel, APP channels).
S222：Server 20 is using the common factor of limit value corresponding at least one limit project as limit radix.
Specifically, server 20 is received when applying to purchase product information, and its corresponding limit product is can determine that according to product IDs
The limit value of corresponding limit project and each limit project；If a limit project is only corresponded to, by the limit of the limit project
Volume value is as limit issue (common factor of the empty set formed equivalent to the limit value with other limit projects), to realize to limit
The one-dimensional control of the transaction limit of product；If corresponding at least two limit projects, by the limit value of at least two limit projects
Common factor as limit radix, to realize that the multidimensional to the transaction limit of limit product controls.
S30：Server 20 judges to apply to purchase quantity whether in limit quantity；If apply to purchase quantity in limit quantity, base
Transaction is completed in product information of applying to purchase；If applying to purchase quantity not in limit quantity, send excess to client terminal 10 and remind letter
Breath.
Specifically, after server 20 obtains the limit quantity based on ID and product IDs determination, then judge to apply to purchase product
Apply to purchase quantity whether in limit quantity in information.If applying to purchase quantity in limit quantity, it is corresponding that the product IDs can be sold
Limit product, can be based on apply to purchase product information complete transaction.If apply to purchase quantity not in limit quantity, to client terminal 10
Send excess prompting message.Wherein, excess prompting message includes limit quantity, and the limit quantity is related to product IDs and ID
Connection, so that client, which understands it, can purchase the quantity of limit product corresponding to the product IDs.
S40：Client terminal 10 receives and shows excess prompting message.
It is to be appreciated that user corresponding to the ID of family can be used to can be appreciated that product for the excess prompting message that client terminal 10 is shown
The limit quantity of limit product corresponding to ID, to decide whether to continue to buy limit product corresponding to the product IDs.
In the transaction limit control method, user is uploaded by client terminal 10 to server 20 applies to purchase product information, takes
Business device 20 applies to purchase product information to each, determines limit coefficient based on ID, and determine limit radix, then base based on product IDs
Limit quantity corresponding to being determined in the product of limit coefficient and limit radix, is accurately controlled corresponding to each ID so as to realize
User applies to purchase the transaction limit of limit product corresponding to product IDs, to realize the trade market to limit product corresponding to product IDs
Effective monitoring.
In an embodiment, the transaction limit control method also comprises the following steps：
S50：The drop volume that client terminal 10 receives user's input applies to purchase information, and drop volume, which applies to purchase information, includes product IDs and drop volume
Apply to purchase quantity, drop volume applies to purchase quantity and is less than or equal to limit quantity.
It is to be appreciated that client terminal 10 shows excess prompting message, for reminding its limit to be applied to purchase production of user
The limit quantity of product, so that client decides whether to continue to apply to purchase limit product corresponding to the product IDs.If user checks the excess
After prompting message, it is desirable to, can be by client terminal 10 to server 20 when applying to purchase the limit product in limit quantitative range
Upload drop volume and apply to purchase information.
S60：Server 20, which judges whether to apply to purchase in drop volume, to be received drop volume and applies to purchase information in the time；If so, then based on drop
Volume applies to purchase information and completes transaction；If it is not, drop volume then is applied to purchase into information receives the production of applying to purchase as new product information of applying to purchase, foundation
The sequencing of product information is handled the product information of applying to purchase.
Wherein, the drop volume time of applying to purchase is the time range (such as 1min) that organization user pre-sets, if user is in drop volume
Apply to purchase in time range and apply to purchase information to the upload drop volume of server 20, then server 20 applies to purchase information priority treatment to drop volume.Can
To understand ground, the record of server 20 sends the transmission time of excess prompting message, and acquisition receives drop volume and applies to purchase connecing for information
Between time receiving, and judge the reception time, whether the drop volume from being sent the time was applied to purchase in the time；If so, then preferentially it is based on the drop volume Shen
Purchase information and complete transaction；If it is not, then by the drop volume information of applying to purchase be considered as it is new apply to purchase product information, upload with client terminal 10 its
He applies to purchase that product information is the same, and pending Shen is determined according to the sequencing of the reception time for applying to purchase product information received
The order of product information is purchased, successively completes transaction.
In the embodiment, server 20 determines multiple Shens based on the reception time for applying to purchase product information received
The sequencing of product information processing is purchased, if any quantity of applying to purchase applied to purchase in product information handled exceedes corresponding limit
Quantity, then send excess prompting message to client terminal 10.After user checks excess prompting message by client terminal 10, it can lead to
Cross client terminal 10 and apply to purchase information to the upload drop volume of server 20.If server 20 is applied to purchase in drop volume receives drop volume Shen in the time
When purchasing information, information can be applied to purchase based on drop volume and completes transaction, apply to purchase number to apply to purchase user's change of product information to first upload
The chance of amount, improve service satisfaction of the user to mechanism.If server 20 is applied to purchase in drop volume is not received by drop volume in the time
When applying to purchase information, the drop volume is applied to purchase into information and handled as the new product information of applying to purchase, overlong time is avoided waiting for, influences
Service satisfaction of the other users to mechanism.
In an embodiment, the transaction limit control method also comprises the following steps：
S70：The limit information of the receiving mechanism user of client terminal 10 input, and limit information is uploaded onto the server 20；
Limit information is associated with organization user ID, and limit information includes product IDs, limit project and limit value.
In the present embodiment, organization user ID is used for unique identification organization user, can be the identification card number of organization user,
It can be the job number of organization user.Organization user refers to that providing the rare type limit product trading such as precious metal or rare metal puts down
The management user of platform.It is to be appreciated that organization user can upload limit information, each limit by client terminal 10 to server 20
Volume information is associated with organization user ID, to determine to make the organization user of the upload limit information.Organization user is uploading limit
, can be corresponding by least one limit project corresponding to limit product corresponding to each product IDs and each limit project during information
Limit value upload onto the server 20, so as to server 20 receive the upload of client terminal 10 apply to purchase product information after,
Limit radix corresponding to limit information determination can be based on.
S80：Server 20 receives limit information, judges whether to set authority with limit based on organization user ID；If so,
Then limit information is stored in limit information table.
It is to be appreciated that after server 20 receives limit information, whether first decision mechanism user has limit to set authority,
To decide whether the limit information that organization user corresponding to the organization user ID uploads being stored in limit information table, in order to
Server 20 is handled based on the product information of applying to purchase that limit information table uploads to each user based on corresponding limit information.
Further, if organization user ID sets authority without limit, server 20 can send lack of competence notice to client terminal 10,
Used with alert mechanism user sets other organization user ID of authority to upload the limit information with limit.It is to be appreciated that
Organization user can also set drop volume to apply to purchase the time by client terminal 10 to server 20, to control server 20 to receive drop volume
Apply to purchase the time of information.
The present invention is illustrated by above-mentioned specific embodiment, it will be appreciated by those skilled in the art that, do not departing from
In the case of the scope of the invention, various conversion and equivalent substitute can also be carried out to the present invention.In addition, it is directed to particular condition or tool
Body situation, various modifications can be made to the present invention, without departing from the scope of the present invention.Therefore, the present invention is not limited to disclosed
Specific embodiment, and whole embodiments for falling within the scope of the appended claims should be included.
Claims (10)
1. a kind of transaction limit control system, it is characterised in that including client terminal and server；
The client terminal, apply to purchase product information for receive user's input, and the product information of applying to purchase is sent to institute
State server；It is described to apply to purchase product information including ID, product IDs and apply to purchase quantity；
The server, for receive it is described apply to purchase product information, the limit coefficient according to corresponding to determining the ID, according to
Limit radix corresponding to the product IDs determination, the product based on limit coefficient described in the limit cardinal sum determine limit number
Amount；
The server, it is additionally operable to apply to purchase quantity whether in the limit quantity described in judgement；If described apply to purchase quantity in institute
State in limit quantity, then apply to purchase product information completion transaction based on described；If described apply to purchase quantity not in the limit quantity,
Then excess prompting message is sent to the client terminal；
The client terminal, it is additionally operable to receive and shows the excess prompting message.
2. transaction limit control system according to claim 1, it is characterised in that described according to ID determination pair
The limit coefficient answered, including：
According to user's representation data corresponding to ID inquiry, user's representation data includes at least one scoring and referred to
Mark；The Score index includes annual income, lawful age, bank's flowing water, landline telephone, house situation, working time, credit note
Record or bank financing；
The individual event score value of each Score index corresponding to user's representation data is obtained, and is calculated based on the individual event score value
General comment score value；
Score value coefficient conversion table is inquired about based on the general comment score value, obtains the limit coefficient.
3. transaction limit control system according to claim 1, it is characterised in that described according to product IDs determination pair
The limit radix answered, including：
The limit value of at least one limit project and each limit project according to corresponding to determining the product IDs；The limit item
Mesh includes product amount, mechanism amount, transaction limit, time amount or channel amount；
Using the common factor of limit value corresponding at least one limit project as the limit radix.
4. transaction limit control system according to claim 3, it is characterised in that
The client terminal, the limit information of receiving mechanism user input is additionally operable to, and the limit information is uploaded to described
Server；The limit information is associated with organization user ID, and the limit information includes product IDs, limit project and limit
Value；
The server, it is additionally operable to receive the limit information, is judged whether based on the organization user ID with limit setting
Authority；If so, then the limit information is stored in limit information table.
5. transaction limit control system according to claim 1, it is characterised in that the excess prompting message includes described
Limit quantity；
The client terminal, the drop volume for being additionally operable to receive user's input apply to purchase information, and the drop volume, which applies to purchase information, includes product IDs
Apply to purchase quantity with drop volume, the drop volume applies to purchase quantity and is less than or equal to the limit quantity；
The server, is additionally operable to judge whether to apply to purchase in the drop volume and the drop volume is received in the time applies to purchase information；If so,
Information is then applied to purchase based on the drop volume and completes transaction；If it is not, the drop volume is then applied to purchase into information as applying to purchase product described in new
Information, the product information of applying to purchase is handled according to the sequencing for applying to purchase product information is received.
6. a kind of transaction limit control method, it is characterised in that comprise the following steps：
Product information is applied to purchase in client terminal reception user's input, and the product information of applying to purchase is sent into server；It is described
Applying to purchase product information includes ID, product IDs and applies to purchase quantity；
Server applies to purchase product information described in receiving, the limit coefficient according to corresponding to determining the ID, according to the product
Limit radix corresponding to ID determinations, the product based on limit coefficient described in the limit cardinal sum determine limit quantity；
Server applies to purchase quantity whether in the limit quantity described in judging；If described apply to purchase quantity in the limit quantity
It is interior, then apply to purchase product information completion transaction based on described；If described apply to purchase quantity not in the limit quantity, to the visitor
Family terminal sends excess prompting message；
Client terminal receives and shows the excess prompting message.
7. transaction limit control method according to claim 6, it is characterised in that described according to ID determination pair
The limit coefficient answered, including：
According to user's representation data corresponding to ID inquiry, user's representation data includes at least one scoring and referred to
Mark；The Score index includes annual income, lawful age, bank's flowing water, landline telephone, house situation, working time, credit note
Record or bank financing；
The individual event score value of each Score index corresponding to user's representation data is obtained, and is calculated based on the individual event score value
General comment score value；
Score value coefficient conversion table is inquired about based on the general comment score value, obtains the limit coefficient.
8. transaction limit control method according to claim 6, it is characterised in that described according to product IDs determination pair
The limit radix answered, including：
The limit value of at least one limit project and each limit project according to corresponding to determining the product IDs；The limit item
Mesh includes product amount, mechanism amount, transaction limit, time amount or channel amount；
Using the common factor of limit value corresponding at least one limit project as the limit radix.
9. transaction limit control method according to claim 8, it is characterised in that also comprise the following steps：
The limit information of the client terminal receiving mechanism user input, and the limit information is uploaded into the server；
The limit information is associated with organization user ID, and the limit information includes product IDs, limit project and limit value；
The server receives the limit information, judges whether to set authority with limit based on the organization user ID；If
It is that then the limit information is stored in limit information table.
10. transaction limit control method according to claim 6, it is characterised in that the excess prompting message includes limit
Specified number amount；
The transaction limit control method also comprises the following steps：
The drop volume that the client terminal receives user's input applies to purchase information, and the drop volume, which applies to purchase information, includes product IDs and drop volume Shen
Quantity is purchased, the drop volume applies to purchase quantity and is less than or equal to the limit quantity；
The server, which judges whether to apply to purchase in the drop volume, to be received the drop volume and applies to purchase information in the time；If so, then it is based on
The drop volume applies to purchase information and completes transaction；If it is not, the drop volume is then applied to purchase into information as applying to purchase product information described in new, according to
The product information of applying to purchase is handled according to the sequencing for applying to purchase product information is received.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710149640.2A CN107784500A (en) | 2017-03-14 | 2017-03-14 | transaction limit control system and method |
| PCT/CN2018/077688 WO2018166350A1 (en) | 2017-03-14 | 2018-02-28 | Method and system for controlling transaction amount, terminal device, and medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710149640.2A CN107784500A (en) | 2017-03-14 | 2017-03-14 | transaction limit control system and method |
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| CN107784500A true CN107784500A (en) | 2018-03-09 |
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| CN201710149640.2A Pending CN107784500A (en) | 2017-03-14 | 2017-03-14 | transaction limit control system and method |
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| WO (1) | WO2018166350A1 (en) |
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| WO2018166350A1 (en) | 2018-09-20 |
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