CN111260367A - Transaction limit determining method and device - Google Patents
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- CN111260367A CN111260367A CN201911422218.5A CN201911422218A CN111260367A CN 111260367 A CN111260367 A CN 111260367A CN 201911422218 A CN201911422218 A CN 201911422218A CN 111260367 A CN111260367 A CN 111260367A
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- G—PHYSICS
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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
- 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
- G06Q20/405—Establishing or using transaction specific rules
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
Abstract
The embodiment of the application discloses a method and a device for determining transaction quota, wherein the mode of quota determination based on a transaction scene is a universal and extensible quota data structure design, so that newly added quota can be operated completely in a parameter configuration mode, and bank quota supervision of financial transaction can be responded quickly; and the quota accumulation scene is arranged according to the transaction as a unit, so that the bank can control the quota accurately and finely, and the financial security of the client is ensured.
Description
Technical Field
The present application relates to the field of data processing, and in particular, to a method and an apparatus for determining a transaction quota.
Background
In the high-speed development of the information age, the financial environment becomes increasingly complex, as financial transaction scenes and card channels of bank debit cards become more and more, financial supervision and risk management and control become stricter, and how to quickly respond to financial supervision and customer customized financial service requirements is of great importance on the premise of ensuring the financial security of customers.
Related art provides a quota mechanism, which binds transactions and transaction types in advance, and performs quota determination for each transaction by using the transaction type corresponding to the transaction as a determination basis, where the transaction type may be, for example, inquiry, withdrawal, deposit, consumption, transfer, return, cash register, and the like.
The method has poor expandability and maintainability and is difficult to adapt to the current quota control.
Disclosure of Invention
In order to solve the technical problems, the application provides a transaction quota determining method and device, which arrange a quota accumulation scene according to a transaction unit, facilitate the fine and accurate control of quota by a bank and ensure the financial security of a client.
The embodiment of the application discloses the following technical scheme:
on one hand, the embodiment of the application provides a transaction quota determining method, which determines a transaction scene according to the combination of transaction scene elements of multiple dimensions;
establishing a mapping relation between a transaction scene and a limit accumulated number; the quota accumulation number is used for identifying quota information of the mapped transaction scene;
the method comprises the following steps:
acquiring a corresponding target transaction scene element combination according to the transaction request to be determined;
determining a target transaction scene corresponding to the transaction request to be determined according to the target transaction scene element combination;
determining a corresponding target quota accumulated number according to the target transaction scene;
and determining whether the characteristic value limit requested by the transaction request to be determined exceeds the limit or not according to the limit information corresponding to the target limit accumulated number.
In another aspect, an embodiment of the present application provides a transaction quota determining apparatus, where the apparatus includes a preprocessing unit, an obtaining unit, and a determining unit:
the preprocessing unit is used for determining a transaction scene according to the transaction scene element combination of multiple dimensions; establishing a mapping relation between a transaction scene and a limit accumulated number; the quota accumulation number is used for identifying quota information of the mapped transaction scene;
the acquisition unit is used for acquiring a corresponding target transaction scene element combination according to the transaction request to be determined;
the determining unit is used for determining a target transaction scene corresponding to the transaction request to be determined according to the target transaction scene element combination;
the determining unit is also used for determining a corresponding target quota accumulated number according to the target transaction scene;
the determining unit is further configured to determine whether the feature value quota requested by the transaction request to be determined exceeds the quota according to the quota information corresponding to the target quota accumulation number.
According to the technical scheme, the transaction scene is determined according to the combination of the transaction scene elements with multiple dimensions; establishing a mapping relation between a transaction scene and a limit accumulated number; the quota accumulation number is used for identifying quota information of the mapped transaction scene; when a transaction request to be determined is obtained, determining that the transaction request obtains a corresponding target transaction scene element combination; determining a target transaction scene corresponding to the transaction request to be determined according to the target transaction scene element combination; determining a corresponding target quota accumulated number according to the target transaction scene; and determining whether the characteristic value limit requested by the transaction request to be determined exceeds the limit or not according to the limit information corresponding to the target limit accumulated number. The method for determining the limit based on the transaction scene is a general and extensible limit data structure design, so that the newly added limit can be operated completely in a parameter configuration mode, and the bank limit supervision of financial transactions can be responded quickly; and the quota accumulation scene is arranged according to the transaction as a unit, so that the bank can control the quota accurately and finely, and the financial security of the client is ensured.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art that other drawings can be obtained according to the drawings without creative efforts.
Fig. 1 is a flowchart of a method of determining a transaction limit according to an embodiment of the present application;
fig. 2 is a schematic diagram of a quota determining scenario provided in an embodiment of the present application;
fig. 3 is a schematic view of a parameter maintenance scenario provided in an embodiment of the present application;
fig. 4 is a schematic view of a query scenario provided in an embodiment of the present application;
fig. 5 is a device configuration diagram of a transaction limit determination device according to an embodiment of the present application.
Detailed Description
Embodiments of the present application are described below with reference to the accompanying drawings.
For quota determination, related technologies have poor expandability and maintainability, and are difficult to adapt to current quota control. For example, a transaction type covers multiple transaction scenarios, such as cash-out transaction type including ATM cash-out, domestic counter cash-out, e.g., control of new domestic counter cash-out limits, the modification of code is considered. If the transaction is used as the minimum dimension to control the limit, the newly added limit type or special processing of the transaction in a program is required to be considered, and particularly, the core bank system function is driven according to the transaction, and the limit is increased by the transaction dimension to better meet the requirements of branch, supervision and control limit.
Except that the quota control granularity is coarse, the mechanism quota control scene of the related technology is only limited to a transaction network, a transaction area and a transaction region, and if the three dimensions are the same, the control cannot be realized through parameter configuration, such as the following conditions:
POS consumption transaction is divided into contact type and non-contact type due to different card swiping modes, and the contact type and the non-contact type correspond to common consumption limit and non-contact consumption limit respectively;
different bank card products control different currency limit amounts to accumulate, a single currency card product accumulates local home currency limit amount, and a double currency card product accumulates home currency and RMB limit amount;
and controlling the quota according to the type of the merchant.
Therefore, the embodiment of the application provides a method and a device for determining transaction limits, which arrange a limit accumulation scene for each unit according to transactions, facilitate the fine and accurate control of limits by banks, and ensure the financial security of customers.
The embodiments of the present application may be implemented by a data processing device, which may be a server, for example, an independent server or a server cluster.
Fig. 1 is a flowchart of a method for determining a transaction quota according to an embodiment of the present application, and before the method is executed, a mapping relationship between a transaction scenario and a quota accumulation number may be pre-established. Specifically, the method can be established as follows:
determining a transaction scene according to the transaction scene element combination of multiple dimensions;
establishing a mapping relation between a transaction scene and a limit accumulated number; the quota accumulation number is used to identify quota information for the mapped transaction scenario.
The transaction scenario element combination includes transaction scenario elements of multiple dimensions, which are used for identifying transactions through different dimensions, and may include, for example and without limitation, a transaction channel, a transaction network, a transaction area, a card swiping manner, a merchant type, a BIN number, a card product number, a deduction feature value (e.g., virtual currency, currency), and the like.
Different transaction scenes can be determined through different transaction scene element combinations. Thereby enabling quota determination from the granularity of transactions.
In one possible implementation, the establishment of the mapping relationship between the transaction scenario and the quota accumulation number is implemented by establishing a quota accumulation control table, wherein the quota accumulation control table is used for identifying the mapping relationship between the transaction scenario and the quota accumulation number determined by the combination of the transaction scenario elements of multiple dimensions.
The Quota accumulation control table (Card _ quote _ Contrast) can be shown in table 1 below, for example:
TABLE 1
The quota accumulation control table takes the transaction code as the minimum unit to control the granularity, arranges quota accumulation scenes by combining a plurality of dimensions of a transaction channel, a transaction network, a transaction area, a card swiping mode, a merchant type, a BIN number, a card product number and a deductive currency, and controls different accumulation scenes of the same transaction code through transaction scene sequence numbers.
In one possible implementation, the quota accumulation number identifies quota information for the mapped transaction scenario by:
establishing a quota attribute table, wherein the quota attribute table is used for identifying a characteristic value accumulation rule and an accumulation period corresponding to the quota accumulation number;
establishing a card product quota table, wherein the card product quota table is used for identifying a product dimension control quota corresponding to the quota accumulated number;
and establishing a card transaction limit table, wherein the card transaction limit table is used for identifying the characteristic value limit and the characteristic value accumulated value corresponding to the limit accumulated number and the account identification.
The Quota attribute table (Card _ quote _ Ctrl) numbers each type of Quota and defines the basic attribute of the numbered Quota, and the data structure may be shown in table 2 below, for example:
TABLE 2
The Card product Quota table (Card _ Prod _ quote) controls Quota with product as dimension, limits client autonomous regulation Quota range, and the data structure can be shown in table 3 below, for example:
TABLE 3
The Card transaction Quota table (Card _ quote) records the Card layer size and the cumulative value of a certain Quota set by the customer, and the data structure can be shown in the following table 4:
TABLE 4
The account identifier may be in the form of a card number, an account number, or the like.
By designing the universal and extensible limit data structure which is arranged and customized according to known various transaction scenes, namely the limit attribute table, the limit accumulation control table, the card product limit table and the card transaction limit table, and developing a common limit processing program around the 4 data tables, the functions of limit accumulation, limit control, limit setting and limit query can be realized, and the newly-added limit can be operated in a parameterized configuration mode.
Therefore, the new quota mechanism pays attention to the transaction scene, all elements of the transaction scene are extracted into the quota accumulation control table, and the transaction is finely controlled by combining a plurality of dimensions of a transaction channel, a transaction network, a transaction area, a card swiping mode, a merchant type, a BIN number, a card product number and deductive money. Compared with the existing mechanism, the system has the advantages that the limit can be accurately controlled by a bank according to a transaction scene, and the fund safety of a client is guaranteed.
After introducing the mapping relationship and the identification function established in advance in the present application, a description will be given next to an embodiment of a transaction quota determining method for a transaction request, where the method shown in fig. 1 includes:
s101: and acquiring a corresponding target transaction scene element combination according to the transaction request to be determined.
The transaction request to be determined may be a transaction request for any transaction, and by parsing the transaction request to be determined, a target transaction scenario element combination corresponding to the transaction request to be determined may be determined, for example, the aforementioned transaction scenario elements with multiple dimensions.
S102: and determining a target transaction scene corresponding to the transaction request to be determined according to the target transaction scene element combination.
Through the combination of the target trading scene elements, the corresponding target trading scene can be determined.
In a possible implementation manner, in order to realize the fine control of the quota transaction scenario, the quota accumulation control table needs to arrange the quota accumulation scenario for each transaction by combining 8 dimensions of transaction channels, transaction networks, transaction areas, card swiping modes, merchant types, BIN numbers, card product numbers and deductive money.
A corresponding transaction scene serial number can be allocated for distinguishing one transaction scene, and the transaction scene serial number not only can play a role in distinguishing different transaction scenes, but also can play an effect of identifying the importance degree of the transaction scene.
It should be noted, however, that if each transaction needs to cover all scenarios, the cartesian product of the 8 dimensional values is at least on the order of 1000 or more.
Therefore, in order to reduce the control omission of manual maintenance and transaction scenes, the quota accumulation control table supports a wildcard strategy, different accumulation scenes of the same transaction code are controlled by transaction scene serial numbers, the lower the serial number is, the higher the priority is, and the system preferentially matches the quota mapped by the transaction scene with high priority, and if no special quota accumulation scene exists, the quota control record of each transaction can be reduced to 1. For example, if all of the 8 dimensions are null values, it means that the transaction will be accumulated to the corresponding limit no matter what value is taken by the transaction channel, the transaction network, the transaction area, the card swiping mode, the merchant type, the BIN number, the card product number, and the deductive money.
Therefore, in the process of determining whether the characteristic value limit requested by the transaction request exceeds the limit, the scene serial number which embodies the scene importance degree can be determined according to the transaction scene element combination; and determining a processing sequence for processing the transaction request according to the scene serial number. Therefore, the transaction request of the important transaction scene can be preferentially subjected to quota determination, and the determination speed of the important transaction is ensured.
S103: and determining a corresponding target quota accumulated number according to the target transaction scene.
S104: and determining whether the characteristic value limit requested by the transaction request to be determined exceeds the limit according to the limit information corresponding to the target limit accumulated number.
The target quota accumulation number can identify quota information corresponding to a target transaction scene, so that whether the characteristic value limit requested by the transaction request to be determined exceeds the quota can be determined according to the quota information.
The characteristic value amount requested by the transaction request to be determined may refer to various types of money amounts that are expected to be transferred out based on the transaction.
Since the user may have different card types, such as bank savings card, financial card, credit card, etc., in order to determine the transaction limit that can be refined, in one possible implementation, S104 may include:
s1041: determining target quota information which corresponds to the target quota accumulation number and corresponds to the target account identification according to the target quota accumulation number and the target account identification corresponding to the transaction request to be determined;
s1042: and determining whether the characteristic value limit requested by the transaction request to be determined exceeds the limit according to the target limit information.
The target quota information may represent the quota under the accumulated numbering of the target quota, such as total quota and used quota, corresponding to the target account identifier, thereby achieving accurate quota determination.
The manner in which the limit is determined for the pending transaction request is next described based on the four data sheets previously described. The parameterized quota mechanism is arranged and customized according to transaction scenes and is realized by matching 4 new data tables, namely a quota attribute table, a quota accumulation control table, a card product quota table and a card transaction quota table. After financial transactions are sent to a core bank system, the system identifies and judges transaction scene information, firstly, a limit accumulation control table is inquired to match a limit set (such as 001: withdrawal limit and 002: consumption limit …) accumulated in the transactions, then, the set attribute of each limit is obtained through the limit set, and finally, the set limit is determined according to the limit attribute and by combining a card limit table and a product layer limit table, and whether the limit exceeds the limit is judged. One scenario is illustrated in FIG. 2:
for S1041, in a possible implementation manner, according to the target limit accumulated serial number and the target account identifier, a target feature value limit and a target feature value accumulated value corresponding to the target limit accumulated serial number and the target account identifier may be determined by querying the card transaction limit table.
After financial transactions are sent to a core bank system, the system firstly determines a corresponding transaction scene according to important information fields and card related information in a transaction request to be processed corresponding to the financial transactions through message conversion processing, and then a transaction channel, a transaction network, a transaction region, a card swiping mode, a merchant type, a BIN number, a card product number and deduction currency are obtained, so that a corresponding limit cumulative control table is matched, a limit set mapped by the transactions under the scene is matched, the limit set is divided into 1 to multiple limit numbers according to separators, corresponding card transaction limit table records are found through the card number and the limit number, the corresponding cumulative amount is updated to a limit cumulative value field, and one or more limit cumulative record updates are completed.
That is, when the amount of the feature value to be transferred for the transaction does not exceed the limit, the corresponding transaction may be executed, and the amount of the transferred feature value may be accumulated to the feature value accumulated value corresponding to the limit accumulated number.
In order to satisfy different accumulation periods, different accumulation cleaning mechanisms are required to be arranged. In the quota attribute table, each quota sets an accumulation period: year, month, day, etc., and the last transaction date is recorded in the card transaction limit table. Each accumulation operation is combined with the accumulation period, and comparison is carried out according to the current date and the previous transaction date. And when the accumulation period is 'day', comparing the current transaction date with the last transaction occurrence date, and if the current transaction date is not equal to the last transaction occurrence date, clearing the original accumulated data and then accumulating.
Then, according to the target limit accumulated number, checking the target characteristic value limit and the target characteristic value accumulated value by inquiring the limit attribute table and the card product limit table;
the correctness of the data determined based on table 4 is determined here by the aforementioned tables 2-3.
And finally, taking the verified target characteristic value quota and the target characteristic value accumulated value as the target quota information.
The limit control function compares the limit accumulated value of the card transaction limit table with a limit set value, when the limit accumulated value is larger than the limit set value, the transaction is refused if the limit is exceeded, otherwise, the transaction is passed. The limit set value is obtained by dynamically comparing the card limit value of the card transaction limit table and the default product limit of the card product limit table according to whether the limit attribute table exceeds the product attribute, so that the limit of the card layer can be controlled after the limit of the product layer is adjusted, and the limit of the card layer is not completely controlled according to the existing limit mechanism.
The embodiment of the application also provides a parameter maintenance function for the four data tables. The front end of the development limit attribute table, the limit accumulation control table and the card product limit table manages and maintains transactions, facilitates real-time query and modification of business personnel responsible for limit management and control, attribute configuration and transaction scene regulation and control of newly added limits, and real-time response to financial supervision.
As shown in fig. 3, for basic attributes defining a quota and a quota accumulation scenario for arranging financial transactions, this module needs to complete the configuration of a quota attribute table, a quota accumulation control table, and a card product default quota table, and serve quota accumulation, quota control, quota inquiry, and quota modification. In the parameter maintenance, the specific way of parameter maintenance, such as creating function or non-creating function, can be determined by the transaction code function item. Under the create function, default data may be initialized, incoming data received, parameter table data updated, and the like. Under the non-creation function, a modification function, a deletion function, an inquiry function, and the like can be specifically realized.
Besides, the query function can be further provided for the user through the four data tables. For example, as shown in FIG. 4:
a user via internet banking, telephone banking, ATM, counter may all query the card to set limits and available limits by initiating a limit query transaction against the user's account identification (e.g., card number, etc.). Because the client is supported to independently regulate and control the quota according to the personal risk bearing capacity, when the core system receives a transaction inquiry request, the card transaction quota table is firstly inquired, the card set quota is obtained, and if the client does not set the personal quota, the default quota of the card product quota table is obtained and returned.
And on the basis of the quota inquiry result, giving the client the right to directly modify the quota data. Meanwhile, the condition that the limit is modified too much or too little due to insufficient risk cognition degree of the client, whether the limit in the limit attribute table exceeds the limit adjustment range set by the product attribute or not is prevented, the limit which is difficult to master the risk does not allow the client to modify the limit without permission, the limit which is high in risk does not allow the client to modify the limit by self exceeds the default limit of the card product, and other limits can allow the client to modify the limit by self is prevented.
Therefore, the embodiment of the application provides a set of general data structure for arranging quota accumulation according to transaction scenes, which comprises a quota attribute table, a quota accumulation control table, a card product quota table and a card transaction quota table, and can meet the requirement that newly added quotas operate through parametric configuration and realize fine scene control of quotations. The public processing mechanism for arranging the quota accumulation according to the transaction scene needs to number various quotas through a quota attribute table, define the basic attribute of the numbered quotas, arrange the transaction scene according to a quota accumulation control table and map the transaction scene to various quotas.
The method for determining the quota based on the transaction scene is a general and extensible quota data structure design, so that the newly added quota can be operated in a parameter configuration mode, and the bank quota supervision of financial transactions can be quickly responded; and the quota accumulation scene is arranged according to the transaction as a unit, so that the bank can control the quota accurately and finely, and the financial security of the client is ensured.
Fig. 5 is a block diagram of an apparatus of a transaction quota determining apparatus provided in an embodiment of the present application, where the apparatus includes a preprocessing unit 501, an obtaining unit 502, and a determining unit 503:
the preprocessing unit 501 is configured to determine a trading scenario according to a combination of trading scenario elements of multiple dimensions; establishing a mapping relation between a transaction scene and a limit accumulated number; the quota accumulation number is used for identifying quota information of the mapped transaction scene;
the obtaining unit 502 is configured to obtain a corresponding target transaction scene element combination according to the transaction request to be determined;
the determining unit 503 is configured to determine a target transaction scenario corresponding to the transaction request to be determined according to the target transaction scenario element combination;
the determining unit 503 is further configured to determine a corresponding target quota accumulated number according to the target transaction scenario;
the determining unit 503 is further configured to determine whether the feature value quota requested by the transaction request to be determined exceeds the quota according to the quota information corresponding to the target quota accumulation number.
Optionally, the determining unit is further configured to:
determining target quota information which corresponds to the target quota accumulation number and corresponds to the target account identification according to the target quota accumulation number and the target account identification corresponding to the transaction request to be determined;
and determining whether the characteristic value limit requested by the transaction request to be determined exceeds the limit according to the target limit information.
Optionally, the preprocessing unit is further configured to:
and establishing a quota accumulation control table, wherein the quota accumulation control table is used for identifying the mapping relation between the transaction scene determined by the transaction scene element combination of multiple dimensions and the quota accumulation number.
Optionally, the preprocessing unit is further configured to:
establishing a quota attribute table, wherein the quota attribute table is used for identifying a characteristic value accumulation rule and an accumulation period corresponding to the quota accumulation number;
establishing a card product quota table, wherein the card product quota table is used for identifying a product dimension control quota corresponding to the quota accumulated number;
and establishing a card transaction limit table, wherein the card transaction limit table is used for identifying the characteristic value limit and the characteristic value accumulated value corresponding to the limit accumulated number and the account identification.
Optionally, the determining unit is further configured to:
according to the target limit accumulated number and the target account identification, determining a target characteristic value limit and a target characteristic value accumulated value corresponding to the target limit accumulated number and the target account identification by inquiring the card transaction limit table;
checking the target characteristic value limit and the target characteristic value accumulated value by inquiring the limit attribute table and the card product limit table according to the target limit accumulated number;
and taking the verified target characteristic value quota and the target characteristic value accumulated value as the target quota information.
Optionally, the device further includes a processing unit, where the processing unit is configured to determine, according to the combination of the transaction scene elements, a scene serial number representing a scene importance degree in a process of determining whether a feature value quota requested by a transaction request exceeds a quota; and determining a processing sequence for processing the transaction request according to the scene serial number.
Therefore, the mode of carrying out quota determination based on the transaction scene is a universal and extensible quota data structure design, so that the newly added quota can be operated in a parameter configuration mode, and the bank quota supervision of financial transactions can be responded quickly; and the quota accumulation scene is arranged according to the transaction as a unit, so that the bank can finely and accurately control the quota, and the financial security of the client is ensured.
Those of ordinary skill in the art will understand that: all or part of the steps for realizing the method embodiments can be completed by hardware related to program instructions, the program can be stored in a computer readable storage medium, and the program executes the steps comprising the method embodiments when executed; and the aforementioned storage medium may be at least one of the following media: various media that can store program codes, such as read-only memory (ROM), RAM, magnetic disk, or optical disk.
It should be noted that, in the present specification, all the embodiments are described in a progressive manner, and the same and similar parts among the embodiments may be referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the apparatus and system embodiments, since they are substantially similar to the method embodiments, they are described in a relatively simple manner, and reference may be made to some of the descriptions of the method embodiments for related points. The above-described embodiments of the apparatus and system are merely illustrative, and the units described as separate parts may or may not be physically separate, and the parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
The above description is only one specific embodiment of the present application, but the scope of the present application is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present application should be covered by the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.
Claims (10)
1. A transaction limit determination method, characterized in that,
determining a transaction scene according to the transaction scene element combination of multiple dimensions;
establishing a mapping relation between a transaction scene and a limit accumulated number; the quota accumulation number is used for identifying quota information of the mapped transaction scene;
the method comprises the following steps:
acquiring a corresponding target transaction scene element combination according to the transaction request to be determined;
determining a target transaction scene corresponding to the transaction request to be determined according to the target transaction scene element combination;
determining a corresponding target quota accumulated number according to the target transaction scene;
and determining whether the characteristic value limit requested by the transaction request to be determined exceeds the limit or not according to the limit information corresponding to the target limit accumulated number.
2. The method of claim 1, wherein the determining whether the characteristic value amount requested by the transaction request to be determined exceeds the limit according to the limit information corresponding to the target limit accumulated number comprises:
determining target quota information which corresponds to the target quota accumulation number and corresponds to the target account identification according to the target quota accumulation number and the target account identification corresponding to the transaction request to be determined;
and determining whether the characteristic value limit requested by the transaction request to be determined exceeds the limit according to the target limit information.
3. The method of claim 1, wherein establishing a mapping relationship between transaction scenarios and quota accumulation numbers comprises:
and establishing a quota accumulation control table, wherein the quota accumulation control table is used for identifying the mapping relation between the transaction scene determined by the transaction scene element combination of multiple dimensions and the quota accumulation number.
4. The method of any of claims 1-3, wherein the quota accumulation number identifies quota information for the mapped transaction scenario by:
establishing a quota attribute table, wherein the quota attribute table is used for identifying a characteristic value accumulation rule and an accumulation period corresponding to the quota accumulation number;
establishing a card product quota table, wherein the card product quota table is used for identifying a product dimension control quota corresponding to the quota accumulated number;
and establishing a card transaction limit table, wherein the card transaction limit table is used for identifying the characteristic value limit and the characteristic value accumulated value corresponding to the limit accumulated number and the account identification.
5. The method according to claim 4, wherein the determining, according to the target limit accumulation number and the target account identifier corresponding to the transaction request to be determined, the target limit information corresponding to the target limit accumulation number and corresponding to the target account identifier includes:
according to the target limit accumulated number and the target account identification, determining a target characteristic value limit and a target characteristic value accumulated value corresponding to the target limit accumulated number and the target account identification by inquiring the card transaction limit table;
checking the target characteristic value limit and the target characteristic value accumulated value by inquiring the limit attribute table and the card product limit table according to the target limit accumulated number;
and taking the verified target characteristic value quota and the target characteristic value accumulated value as the target quota information.
6. The method of claim 1, wherein in determining whether the amount of the characteristic value requested by the transaction request exceeds the limit, the method comprises:
determining a scene serial number which embodies the scene importance degree according to the transaction scene element combination;
and determining a processing sequence for processing the transaction request according to the scene serial number.
7. A transaction limit determination device, characterized in that the device comprises a preprocessing unit, an acquisition unit and a determination unit:
the preprocessing unit is used for determining a transaction scene according to the transaction scene element combination of multiple dimensions; establishing a mapping relation between a transaction scene and a limit accumulated number; the quota accumulation number is used for identifying quota information of the mapped transaction scene;
the acquisition unit is used for acquiring a corresponding target transaction scene element combination according to the transaction request to be determined;
the determining unit is used for determining a target transaction scene corresponding to the transaction request to be determined according to the target transaction scene element combination;
the determining unit is further used for determining a corresponding target quota accumulated number according to the target transaction scene;
the determining unit is further configured to determine whether the feature value quota requested by the transaction request to be determined exceeds the quota according to the quota information corresponding to the target quota accumulation number.
8. The apparatus of claim 7, wherein the determining unit is further configured to:
determining target quota information which corresponds to the target quota accumulation number and corresponds to the target account identification according to the target quota accumulation number and the target account identification corresponding to the transaction request to be determined;
and determining whether the characteristic value limit requested by the transaction request to be determined exceeds the limit according to the target limit information.
9. The apparatus of claim 7, wherein the pre-processing unit is further configured to:
and establishing a quota accumulation control table, wherein the quota accumulation control table is used for identifying the mapping relation between the transaction scene determined by the transaction scene element combination of multiple dimensions and the quota accumulation number.
10. The apparatus of any of claims 7-9, wherein the pre-processing unit is further configured to:
establishing a quota attribute table, wherein the quota attribute table is used for identifying a characteristic value accumulation rule and an accumulation period corresponding to the quota accumulation number;
establishing a card product quota table, wherein the card product quota table is used for identifying a product dimension control quota corresponding to the quota accumulated number;
and establishing a card transaction limit table, wherein the card transaction limit table is used for identifying the characteristic value limit and the characteristic value accumulated value corresponding to the limit accumulated number and the account identification.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911422218.5A CN111260367B (en) | 2019-12-31 | Transaction quota determination method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201911422218.5A CN111260367B (en) | 2019-12-31 | Transaction quota determination method and device |
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| Publication Number | Publication Date |
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| CN111260367A true CN111260367A (en) | 2020-06-09 |
| CN111260367B CN111260367B (en) | 2024-04-19 |
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