CN111967984B - Method and system for dynamically managing credit limit based on relational tree - Google Patents
Method and system for dynamically managing credit limit based on relational tree Download PDFInfo
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Abstract
The invention discloses a relation tree-based dynamic credit limit management method, which comprises the steps of configuring an application rule set and establishing a corresponding control unit for each application rule in the application rule set; configuring credit line grouping and credit using sequence based on service logic, and automatically generating a credit line relation tree; receiving user transaction message information generation rule factor set; matching the rule factor set with each application rule in the application rule set in sequence, and if a certain application rule is hit, calling a control unit corresponding to the application rule; the management and control unit matches the rule factor set with a preset check rule set, and only after all check rules in the check rule set are successfully matched, the management and control unit calculates and adjusts the credit line occupied by each credit line node in the line tree according to the line relation tree; the method can meet the complex quota combination and calculation functions and can support complex service quota scenes. Also discloses a credit limit dynamic management system based on the relation tree.
Description
Technical Field
The invention relates to the technical field of credit card core transaction systems, in particular to a method and a system for dynamically managing credit limits based on a relation tree.
Background
At present, a credit card core system is mainly built based on a large-scale foreign host and a closed-source independent system and based on a conventional foreign credit card system, the conventional credit card system is compiled by COBOL language, the system architecture and the system design are operated on an IBM host, a DB2 database is adopted as a database of the system, the system is a completely closed commercial system, codes of the completely closed commercial system are not open to customers, the realization logic is not transparent, the customers cannot carry out secondary transformation and customized development, the realization details in the system cannot be known, the system safety and reliability only depend on the commercial system, and the defect that the system cannot be confirmed by source codes and the safety and reliability of the system cannot be enhanced by the source codes exist.
The credit card limit system is the core function system of the credit card system, before the user uses the credit card, the user is given limit credit according to a certain rule, the customer can pay the credit card for consumption based on the credit card limit credit card, and the credit card is taken out; the credit card limit is the maximum amount of money which can be used by a credit card user when the credit card user uses the credit card for payment, and different users have different limits given based on information such as credit conditions, credit investigation and the like; with the development of credit card business, credit card limits have different types of limits for users under different business scenes, namely, one credit card user contains a plurality of types of credit limits, such as total credit limit, consumption limit, installments limit, special installments limit, cash-taking limit, Tianmao limit, automobile installments limit, overseas consumption limit and the like, each client has a group of credit limit sets, and the process of giving available money to the limits is called limit credit granting; each user with different quota types has different quota credit, and different quota types are used in different scenes.
When the user uses the credit card to pay for consumption, the operation is a debit operation in financial transaction, one or more types of lines are occupied, and the used lines of the corresponding types of the client are increased and do not exceed the credit line granted to the user to the maximum extent; when the user repays the credit card, the operation is a credit operation in financial transaction, one or more types of used value units are deducted, and when the used value units are cleared, the corresponding available value units are recovered to the credit value.
With the increase of credit card application scenes and the popularization of credit payment, the limit systems of users become more and more, different users can give different types of limit combinations when using different credit products, and the credit limits can also have various combined use modes such as sharing, occupation, substitution, inclusion, exclusion and the like, and when the users pay for the credit and do not meet the requirement of full-amount payment, the different types of limits are required to be restored according to the service design in sequence; the existing credit card core system has the problems of single credit line system, simple credit line combination mode, incapability of meeting complex credit line combination and credit line calculation functions and incapability of supporting complex business credit line scenes.
Disclosure of Invention
In view of the above problems, an object of the present invention is to provide a method for dynamically managing credit line based on a relational tree, which is a rule engine-based method for multi-level credit card and line occupation and line recovery in various combination forms, and can satisfy complex line combination and line calculation functions and support complex business line scenarios.
The second purpose of the invention is to provide a relation tree-based dynamic credit line management system, which is an open platform system, all codes use open source codes and can be modified for the second time, all the source codes are open to clients, the system can be customized, modified and developed according to the requirements of the clients, the system safety can be upgraded and adjusted at any time, and the system safety and the flexibility of service development are enhanced.
The first technical scheme adopted by the invention is as follows: a dynamic management method for credit limit based on a relation tree comprises the following steps:
s100: configuring an application rule set, and creating a corresponding control unit for each application rule in the application rule set, wherein each control unit is preset with a respective check rule set;
s200: generating credit line grouping and credit sequence based on service scene configuration, and automatically generating a credit line relation tree based on the current credit line information of the user, the currently matched credit line grouping logic and the credit sequence logic;
s300: receiving user transaction message information and generating a rule factor set;
s400: matching the rule factor set with each application rule in the application rule set in sequence, and if a certain application rule is hit, calling a control unit corresponding to the application rule;
s500: the management and control unit matches the rule factor set with a preset check rule set, and only after all check rules in the check rule set are successfully matched, the management and control unit calculates and adjusts the credit limit of each credit limit node in the limit relation tree, which should occupy the limit relation tree node, according to the credit limit relation tree;
s600: and monitoring the change of the credit information of the user, and updating the credit line grouping structure and the credit line relation tree in real time according to the change condition of the credit information.
Preferably, the set of rule factors is combined into a MAP data structure formed by combining fields and field values.
Preferably, the fields include one or more of an amount of a transaction, a transaction direction, a transaction currency, a transaction channel, a card product, a transaction type, and a user in the user transaction message information.
Preferably, the S400 includes the following sub-steps:
s410: loading a rule factor set;
s420: according to the priority sequence of the application rules, matching the rule factors with the application rules one by one until the application rules are hit;
s430: and calling a management and control unit corresponding to the hit application rule to check a rule set.
Preferably, each application rule corresponds to a unique control unit.
Preferably, in step S420, the matching between the rule factor and the application rule is calculated by using an expression engine, and the application rule is a rule expression generated by combining logic expressions based on the rule factor, which specifically includes the following steps:
matching, in a rules engine, the rule factor with the rule expression; if the logic value of the rule expression is true, the rule is hit; if the logical value of the rule expression is false, the rule misses.
Preferably, the S500 includes the following sub-steps:
s510: loading a rule factor set;
s520: matching the rule factor with each check rule in the check rule set in a rule engine in sequence;
s530: and if all the check rules in the check rule set are hit, executing the credit utilization rule in the management and control unit.
Preferably, the check rule set is a rule tree set formed by combining at least one rule tree, the check rule tree includes a plurality of condition nodes, and the condition nodes include branch condition nodes, rule group nodes, and calculation comparison expression nodes, where the calculation comparison expression nodes are leaf nodes, and are used to determine a logical comparison relationship between the current transaction amount and available credits of various types of credits of the user.
Preferably, the step S600 further includes: and if the occupied quota is completely recovered and a surplus quota is available, taking the surplus quota as the excessive payment quota of the current quota for independent recording.
The second technical scheme adopted by the invention is as follows: a credit line dynamic management system based on a relation tree comprises an initialization module, a relation tree generation module, a conversion module, a rule matching module, a management and control unit and an updating module,
the initialization module is used for configuring an application rule set and creating a corresponding control unit for each application rule in the application rule set, and each control unit is preset with a respective check rule set;
the relation tree generation module is used for generating credit line grouping and credit sequence based on business scene configuration, and automatically generating a credit line relation tree based on the current credit line information of the user, the currently matched credit line grouping logic and the corresponding credit sequence logic;
the conversion module is used for converting the user transaction message information into a rule factor set;
the rule matching module is used for sequentially matching the rule factor set with each application rule in the application rule set, and if a certain application rule is hit, calling a control unit corresponding to the application rule;
the management and control unit is used for matching the rule factor set with a preset check rule set, and calculating and adjusting the credit line of each credit line node in the line relation tree to occupy the line relation tree node according to the credit line relation tree only after all check rules in the check rule set are successfully matched;
the updating module is used for monitoring the change of the credit information of the user and updating the credit line grouping structure and the credit line relation tree in real time according to the change condition of the credit information.
The beneficial effects of the above technical scheme are that:
(1) the invention discloses a relation tree-based dynamic credit line management method, which is a rule engine-based multi-level credit card line occupation and line recovery method in various combination forms, can meet the complex line combination and line automatic calculation function and can support the complex business line scene.
(2) The system disclosed by the invention is an open platform system, all codes use open source codes, secondary modification can be carried out, all the source codes are open to clients, the modification and development can be customized according to the requirements of the clients, the safety of the system can be upgraded and adjusted at any time, and the safety of the system and the flexibility of service development are enhanced.
(3) The JIT real-time compiling method based on the memory saves the interpretation time compared with the interpretation execution of an interpreter when a large number of code programs need to be executed, and has higher execution efficiency because the compiled local codes are taken out from the memory for direct execution during the execution.
Drawings
FIG. 1 is a flowchart illustrating a method for dynamically managing credit based on a relational tree according to an embodiment of the present invention;
FIG. 2 is a diagram illustrating a credit relationship tree according to an embodiment of the present invention;
FIG. 3 is a schematic diagram of a rule matching structure applied by a management and control unit according to an embodiment of the present invention;
FIG. 4 is a schematic diagram of a regular expression provided by an embodiment of the present invention;
FIG. 5 is a schematic diagram of a checking rule matching structure of a management control unit according to an embodiment of the present invention;
FIG. 6 is a schematic diagram of a check rule tree according to an embodiment of the present invention;
FIG. 7 is a diagram illustrating an exemplary check rule tree according to an embodiment of the present invention;
FIG. 8 is a flowchart illustrating a transaction-time credit rule matching calculation according to an embodiment of the present invention;
fig. 9 is a schematic structural diagram of a system for occupying and recovering a credit card limit based on a rule engine according to an embodiment of the present invention.
Detailed Description
The embodiments of the present invention will be described in further detail with reference to the drawings and examples. The following detailed description of the embodiments and the accompanying drawings are provided to illustrate the principles of the invention and are not intended to limit the scope of the invention, which is defined by the claims, i.e., the invention is not limited to the preferred embodiments described.
In the description of the present invention, it is to be noted that, unless otherwise specified, "a plurality" means two or more; the terms "first," "second," and the like are used for descriptive purposes only and are not to be construed as indicating or implying relative importance; the specific meaning of the above terms in the present invention can be understood as appropriate to those of ordinary skill in the art.
Example one
Fig. 1 is a schematic flow chart of a method for dynamically managing credit line based on a relationship tree according to an embodiment of the present invention, where the method for occupying and recovering credit line includes the following steps:
s100: configuring an application rule set, and creating a corresponding control unit for each application rule in the application rule set, wherein each control unit is preset with a respective check rule set;
the application rules of the control unit are divided according to transaction major classes, each major class comprises a rule set formed by a plurality of rules, and the application rule sets formed by combining a plurality of application rules are shown in table 2 based on different transaction scenes.
TABLE 1 application rule sets for different transaction scenarios
| Applying rules | Priority level | Management and control unit |
| American era authorized consumption application rule | 220 | M0111-generic authorized consumption USD transaction |
| Scene a consumption management and control | 330 | M2000-scenario A consumption management and control |
| Japanese yuan consumption application rule | 427 | M0004-yen consumption management and control |
| Cash staging application rules | 500 | M0005-cash staging control unit |
| Cash union merchant |
600 | M0003-ordinary staging management and control unit |
| Parking space staged application rule | 700 | M0008-parking space staging limit management and control |
As can be seen from table 1, each application rule corresponds to a unique control unit.
S200: generating credit line grouping and credit sequence based on service scene configuration, and automatically generating a credit line relation tree based on the current credit line information of the user, the currently matched credit line grouping logic and the credit sequence logic;
in a control unit, credit rules are generated based on different transaction and business scene configurations, the credit rules comprise the use mode (grouping) and the occupation sequence (credit sequence) of the credit line of the user, and a line control unit comprises a group of credit check rules and a group of credit rules (credit line grouping and credit sequence in the group) of the credit line.
Automatically generating a credit line relation tree shown in figure 2 based on the current credit line information of the user, the currently matched credit line groups and the credit line sequence; the data structure of the credit limit relation tree takes the limit type in the credit rule as the node of the tree and takes the grouping and occupying sequence of the credit limit as the relation edge of the tree; the relation of the limit relation tree edge is a borrowing relation in the limit group, and the borrowing path with the node edge in the sequence is occupied; sharing relations are formed among the quota groups, and the relations among the groups form sharing paths.
Wherein, the sharing relationship is defined as: when the node quota takes up, the quota node of the sharing relationship also takes up the same quota at the same time, for example: when the user's cash-out amount is occupied 1000, the total credit line will be occupied 1000;
the borrowing relationship is defined as: when the node quota takes place to occupy, the quota of this node at present is occupied till available quota occupies and is zero, if the quota of waiting to occupy is not taken up, then occupy the available quota of the quota node in the grouping in proper order according to the occupation order in the group, until the quota of waiting to occupy becomes zero, for example: the automobile staging quota is as follows: 200,000, the available quota for special item staging is 20,000, the total quota for staging is 70,000, the credit rule for service configuration has a group, and the internal quota sequence of the group is as follows: the automobile staging line, the special staging line and the staging total line; when the user carries out transaction, when the transaction amount of the current user is 250,000, the automobile staging available credit 200,000, the special staging available credit 20,000 and the 250,000 plus 200,0000 plus 20,000 plus =30,000 of the total staging credit are occupied in sequence; after the occupation is finished, the available quota of the automobile in each period is changed to zero, the available quota of the special item in each period is changed to zero, and the available quota of the total quota in each period is 50,000.
S300: receiving user transaction message information and generating a rule factor set;
and converting the user transaction message information into a rule factor set, wherein the structure is a Map structure, the key value is a field name, and the value is a field value.
When the user uses the credit card to perform financial transaction, the transaction request message contains basic information such as transaction amount, transaction direction, transaction currency, transaction channel, card product, transaction type, user and the like, and the basic information is used as a field of the limit use judgment rule.
The format of the user transaction message is IOS8583 financial transaction message, and the transaction message is converted into rule factors, namely the field and the field value of the message; the common fields (not all) of the message are shown in table 2; the rule factor set is an MAP data structure formed by combining fields and field values; for example, the fields are: "transaction amount", the corresponding field value is: "1000"; the fields are: "transaction currency", the corresponding field values are: "RMB" (but not limited thereto).
Table 2 common fields of messages
| English name of field | Field Chinese name | Type (B) |
| organization_number | Organization id | char(4) |
| customer_id | Client id | char(16) |
| account_management_id | Managing account ids | char(32) |
| card_number | Card number | char(19) |
| Account_product_code | Account product number | char(6) |
| Card_product_code | Card product number | char(6) |
| Post_txn_type | Type of transaction | char(5) |
| Auth_txn_type | Broad class of authorized transactions | char(1) |
| Merchant_ID | Merchant number | char(15) |
| check_amount | Amount of transaction | number(18,2) |
| check_currency | Trade currency | char(3) |
| authorization_type | Authorized transaction type | char(1) |
| transaction_direction | Transaction direction | char(1) |
S400: matching the rule factor set with each application rule in the application rule set in sequence, and if a certain application rule is hit, calling a control unit corresponding to the application rule;
as shown in fig. 3, the transaction rule factor set is transmitted to the application rule manager of the management and control unit to perform rule matching, and the application rule manager performs matching with the application rule according to the field information in the rule factor set; the application rules are matched one by one according to the priority, and the control unit corresponding to the first hit application rule is a rule to be used in the current transaction; the application rule is responsible for matching to only one governing unit.
The application rules of the control unit are realized by adopting an expression engine in the rule engine as rule matching calculation, and the application rules are set as logic expression combinations of rule factors to generate rule expressions; as shown in fig. 4, the regular expression is expressed as: authorized region code = = 'singapore' & & authorized transaction major class = = 'general consumption transaction' & & currency type = 'rmb'; in the rule engine, matching the rule factor with the rule expression, and if the logic value of the rule expression is true, the rule is hit; otherwise, the logic value of the rule expression is false, and false is returned, so the rule is not hit. Rules may be configured based on business personnel as more complex logical expressions, for example as:
(A>100&&B==‘POS’)||(C==‘CH’&&D<3000&&E!=‘M’)。
as can be seen from table 1, each application rule corresponds to a unique control unit, the rule factor sets are sequentially executed in the rule engine according to the priority, and after the rule is matched to true, the subsequent rule will not be subsequently executed.
S500: the management and control unit matches the rule factor set with a preset check rule set, and only after all check rules in the check rule set are successfully matched, the management and control unit automatically calculates and adjusts the credit limit of each credit limit node in the limit relation tree, which should occupy the limit relation tree node, according to the credit limit relation tree;
the checking rules of the management and control unit are implemented by adopting an expression engine in the rule engine as rule matching calculation, as shown in fig. 5, the transaction message is converted into a rule factor set and is transmitted to the management and control unit manager, and the checking rules are set as logic expression combinations of the rule factors to generate rule expressions; in the rule engine, matching the rule factor with the rule expression, and if the logic value of the rule expression is true, the rule is hit; otherwise, if the logic value of the rule expression is false, returning false, and the rule is not hit; and matching the check rules in the rule engine in sequence according to the check rule set of the control unit in the control unit, if all the check rules in the check rule set are successfully matched, using the credit rule in the control unit, otherwise, not executing the credit rule of the control unit.
In a management unit, the use mode (grouping) and the occupation sequence (credit sequence) of the credit line of the user are automatically generated based on different transactions and service scenes, and the line management unit comprises a group of credit check rules and a group of credit rules (credit grouping and credit sequence in the group).
As shown in fig. 6, the check rule of the management and control unit is based on the service configuration rule, and the service rule is represented in a rule tree form, that is, the check rule is a rule tree set formed by combining one or more rule trees, and is sequentially matched and executed according to the set priority in the set; the checking rule of the management and control unit is implemented by using an expression engine in the rule engine as rule matching calculation, for example, the rule calculation expression may be expressed as: a >100& & B = = 'consumption' & & C >1000, hit this rule then return true, otherwise return false; as long as the calculation result of one rule tree is false, the check rule of the management and control unit does not pass; each check rule tree comprises a plurality of condition nodes, matching calculation is executed according to tree path rule nodes, the nodes can be divided into branch condition nodes, rule group nodes and calculation comparison expression nodes according to types, and the calculation comparison expression nodes are leaf nodes; on the child node of the rule tree, the calculation rule is a calculation comparison expression of the amount, and the logic comparison relationship between the current transaction amount and the available amounts in various types of amounts of the user is judged, wherein the logic comparison relationship comprises: maximum, minimum, comparison of sums. For example: as shown in fig. 7, a transaction channel is used as a regular expression according to a transaction rule factor, when the transaction channel = = '1' is true, a subsequent branch condition node may be executed, the branch condition determines the card product type, different conditional branches are taken for different card product types, and finally a leaf node is a limit determination expression, and determines whether the transaction amount of the current message is smaller than an available limit calculation value of a calculation expression, where the calculation method includes: and calculating operation such as summation, assignment, maximum value, minimum value and the like.
The checking rule set of the management and control unit is shown in table 3, but not limited thereto.
TABLE 3 inspection rule set for policing units
| Order of examination | Checking rule nodes |
| 1 | Transaction |
| 2 | Regulatory layer inspection rules |
| 3 | Account layer inspection rules |
| 4 | Product level inspection rules |
| 5 | Client layer inspection rules |
And each rule at least comprises a rule tree of rule nodes, the check rules are sequentially executed according to the check sequence, all the rules return true, and if the rule is judged to pass through, the use trust rule can be executed.
The credit rule is a list of the quota type, and the list comprises quota grouping information, occupation sequence information and recovery sequence information; the transaction passing through the credit line check rule uses the credit lines one by one according to the credit lines in the list of the credit line check rule in groups, namely when the transaction of the user meets the credit line check rule, the credit line check rule is used for occupying and using the credit line of the corresponding type of the user, and if the transaction does not meet the credit line check rule, the rule is not used any more.
According to the occupation or recovery sequence of the formed limit relation tree, the configured limits in the group are automatically used in sequence, the used amount of the limits is used according to all available limits of the limit type of the current client, if the available limits obtained by subtracting the current transaction amount from the limits are not zero, the subsequent limit nodes in the group are continuously used until the transaction amount is completely occupied; the transaction amount used by each group is automatically and independently calculated in each group as the credit to be used.
Specifically, the transaction direction of the current transaction message is judged to be a debit direction or a credit direction, if the transaction direction is the debit direction (consumption payment type transaction), the available quota is sequentially occupied according to the available quota values based on the quota grouping and the quota occupying sequence set in the credit rule, if the transaction direction is the credit direction (repayment type transaction), the available quota is sequentially restored according to the occupied quota values based on the quota restoring sequence set in the credit rule, and if all the occupied quotas are restored and residual quotas exist, the quota is independently recorded as the overflowing payment quota of the current quota.
The credit rule is a list of credits that contains credit groups, credit types, order of occupancy and order of recovery, see, for example, table 4.
TABLE 4 envelope rules
| Grouping by credit | Type of quota | Order of occupation | Recovery sequence |
| 1 | Client quota | 1 | 3 |
| 1 | Personal |
2 | 2 |
| 1 | Personal cash collection amount | 3 | 1 |
| 2 | The cash controls 50% | 1 | 2 |
| 2 | Cash management and control 30 ten thousand | 2 | 1 |
When using the credit rule to occupy the line, firstly, independently occupying according to the credit grouping, sequentially occupying according to the occupying sequence by the credit grouping 1, and occupying the available line of the subsequent line after the available line corresponding to the line type in the grouping is zero until the transaction line is completely occupied; for example, when the transaction amount of the user is 20000, if the available credit of the current client credit is 5000, the current client available credit is occupied by 5000 credit, if the current personal daily available credit is 10000, the current personal available credit is 10000, the personal cash-out credit is 20000, the remaining credit to be occupied by 5000 credit is occupied; after the user is occupied, the available limit of the client is changed into 0, the daily available limit of the person is changed into 0, and the available limit of the person for cash-taking is changed into 15000; the credit group 2 is occupied according to the user transaction amount 20000, the available amount in the amount is directly occupied by 50% of cash control if the available amount in 50% of cash control is 30000, the remaining available amount is reduced to 10000, and 30 ten thousand of cash control can not be occupied again.
If the current transaction direction is a credit direction, namely repayment operation, using credit rules as recovery operation, and sequentially recovering the occupied amount according to the recovery sequence; for example, when the repayment amount of the transaction is 20000, in the credit packet 1,5000 occupied by the personal cash-out amount is recovered, 10000 occupied by the personal daily amount is recovered, and 15000 occupied by the client amount is recovered; in credit packet 2, the cash back governs 50% of the 20000 occupancy.
S600: and monitoring the change of the credit information of the user, and updating the credit line grouping structure and the credit line relation tree in real time according to the change condition of the credit information.
The practical effects of the present invention are analyzed by combining specific examples as follows:
the total credit line of the user is 50,000, the cash-taking line is 80% of the total line and is 40,000, the general consumption line is 50,000, the staging total line is 70,000, the automobile staging line is 250,000, the special staging line is 200,000, and the online shopping staging line is 20,000.
In the user's line type association structure shown in fig. 2, the current and general consumption lines occupy the total credit line, the special term and online shopping term occupy the total line, and the online shopping term occupies the general consumption line; the transaction calculation is performed according to the transaction credit rule matching calculation flow shown in fig. 8.
Transaction 1: when a user purchases 1,5000 yuan of a commodity through an online banking payment channel and carries out staging on the commodity, the main field information contained in the transaction message comprises: transaction amount: 15000, payment channel: mobile banking, transaction direction: debit direction, pay currency: RMB, consumption mode: and (5) staging.
The application rule matched by the control unit is as follows: payment channel = = 'mobile banking' & & payment currency = = 'rmb' & & transaction amount >10,000& & consumption mode = 'installment'. Matching to the corresponding management and control unit ID is: CTL 002.
The management and control unit CTL002 includes a limit check rule set, and the rule set includes 4 check rules: r1, R2, R3 and R4; wherein, R1 describes that the current transaction consumption amount is less than the general consumption available limit of the client, R2 describes that the current transaction consumption amount is less than the online shopping available extension limit of the client, R3 describes that the current transaction consumption amount is less than the total extension limit of the client, and R4 describes that the current transaction consumption amount is less than the total credit limit of the client.
If all of the R1, R2, R3 and R4 check rules are satisfied, the rule is passed and the credit rule of the rule is used.
The credit rule of the control unit comprises 4 groups, wherein the 4 groups are respectively as follows: grouping online purchasing consumption lines, general consumption line, total credit line and total client staging line; the current consumption amount occupies the used amount of the 4 amount types one by one, and after occupation, the client amount becomes: the total credit used amount is as follows: 15000, the general consumption quota is: 15000, the used quota of online shopping staging is as follows: 15000, the used total amount of the staging total amount is: 15000; and finishing the calculation of the quota occupation.
Transaction 2: the user purchases the car for payment using a credit card on-line from pos channel: 250,000, and staging the transaction, wherein the transaction message includes the following main fields: transaction amount: 250,000, payment channel: POS, transaction direction: debit direction, pay currency: RMB, consumption mode: and (5) staging.
The application rule matched by the control unit is as follows: payment channel = = 'POS' & & payment currency = = 'rmb' & & transaction amount >100,000& & consumption mode = 'installment'; the matched corresponding control unit ID is: CTL 003.
The management and control unit CTL003 includes a credit check rule set, which includes 1 check rule, where R1 describes that the current transaction consumption amount is < the special installment available credit + the total installment available credit.
And if the check rule is matched and satisfied, the management and control unit checks the rule and can use the credit utilization rule of the management and control unit.
The credit rule of the control unit comprises 1 group, the group comprises two limit nodes, and the two limit nodes are a special staging limit and a staging total limit in sequence; the current consumption amount occupies the quota according to the occupation sequence in the group, a special item staging quota is occupied, the used quota of the special item staging is 200,000, and the remaining quota to be occupied is as follows: 250,000-; the second occupies available staging gross, the available staging gross is: 70,000-; after being occupied by the remaining to-be-occupied quota, the total quota used in the period is as follows: 65,000(15,000+50,000). .
Example two
FIG. 9 is a schematic structural diagram of a system for occupying and recovering credit card quota based on rule engine according to an embodiment of the present invention, including an initialization module, a relation tree generation module, a transformation module, a rule matching module, a management and control unit, and an update module,
the initialization module is used for configuring an application rule set and creating a corresponding control unit for each application rule in the application rule set, and each control unit is preset with a respective check rule set;
the relation tree generation module is used for generating credit line grouping and credit sequence based on business scene configuration, and automatically generating a credit line relation tree based on the current credit line information of the user, the currently matched credit line grouping logic and the corresponding credit sequence logic;
the conversion module is used for converting the user transaction message information into a rule factor set;
the rule matching module is used for sequentially matching the rule factor set with each application rule in the application rule set, and if a certain application rule is hit, calling a control unit corresponding to the application rule;
the management and control unit is used for matching the rule factor set with a preset check rule set, and calculating and adjusting the credit line of each credit line node in the line relation tree to occupy the line relation tree node according to the credit line relation tree only after all check rules in the check rule set are successfully matched;
the updating module is used for monitoring the change of the credit information of the user and updating the credit line grouping structure and the credit line relation tree in real time according to the change condition of the credit information.
The JIT real-time compiling method based on the memory saves the interpretation time compared with the interpretation execution of an interpreter when a large number of code programs need to be executed, and has higher execution efficiency because the compiled local codes are taken out from the memory for direct execution during the execution.
The invention discloses a method for occupying and recovering the quota of a user quota system in different transaction scenes, which can express the quota type of a user into a plurality of quota trees through the application rule of a control unit and the credit rule of the control unit, wherein the node of the quota tree is the available quota of a client, the credit rule of the quota tree is shown as the edge of the quota tree, and the quota check rule is the calculation precondition of the quota tree. The credit card multi-level and multi-combination type quota occupying and recovering method based on the rule engine can meet the complex quota combination and quota calculating function and can support the complex service quota scene.
The system disclosed by the invention is an open platform system, all codes use open source codes, secondary modification can be carried out, all the source codes are open to clients, the modification and development can be customized according to the requirements of the clients, the safety of the system can be upgraded and adjusted at any time, and the safety of the system and the flexibility of service development are enhanced.
Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
In the embodiments provided in the present application, it should be understood that the disclosed apparatus and method may be implemented in other ways. For example, the above-described apparatus embodiments are merely illustrative, and for example, the division of the units is only one logical division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and 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 units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit.
The functions, if implemented in the form of software functional units and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: various media capable of storing program codes, such as a U disk, a removable hard disk, a ROM, a RAM, a magnetic disk, or an optical disk.
The above description is only for the specific embodiments of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art can easily conceive of the changes or substitutions within the technical scope of the present invention, and all the changes or substitutions should be covered within the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (10)
1. A dynamic management method of credit limit based on a relation tree is characterized by comprising the following steps:
s100: configuring an application rule set, and creating a corresponding control unit for each application rule in the application rule set, wherein each control unit is preset with a respective check rule set;
s200: generating credit line grouping and credit sequence based on service scene configuration, and automatically generating a credit line relation tree based on the current credit line information of the user, the currently matched credit line grouping logic and the credit sequence logic;
s300: receiving user transaction message information and generating a rule factor set;
s400: matching the rule factor set with each application rule in the application rule set in sequence, and if a certain application rule is hit, calling a control unit corresponding to the application rule;
s500: the management and control unit matches the rule factor set with a preset check rule set, and only after all check rules in the check rule set are successfully matched, the management and control unit calculates and adjusts the credit limit of each credit limit node in the limit relation tree, which should occupy the limit relation tree node, according to the credit limit relation tree;
s600: and monitoring the change of the credit information of the user, and updating the credit line grouping structure and the credit line relation tree in real time according to the change condition of the credit information.
2. The dynamic credit line management method of claim 1, wherein the rule factors are combined into a MAP data structure formed by combining fields and field values.
3. The method as claimed in claim 2, wherein the fields include the amount of transaction, the direction of transaction, the currency of transaction, the channel of transaction, the card product, the type of transaction, and the basic information of the user in the message of the user transaction.
4. The dynamic credit line management method of claim 1, wherein the step S400 comprises the following substeps:
s410: loading a rule factor set;
s420: according to the priority sequence of the application rules, matching the rule factors with the application rules one by one until the application rules are hit;
s430: and calling a management and control unit corresponding to the hit application rule to check a rule set.
5. The dynamic credit line management method of claim 4, wherein each application rule corresponds to a unique management and control unit.
6. The dynamic credit line management method of claim 4, wherein in step S420, the rule factor is matched with an application rule, and the application rule is calculated by using an expression engine, and the application rule is a rule expression generated by combining logic expressions based on the rule factor, and specifically includes the following steps:
matching, in a rules engine, the rule factor with the rule expression; if the logic value of the rule expression is true, the rule is hit; if the logical value of the rule expression is false, the rule misses.
7. The dynamic credit line management method of claim 1, wherein the step S500 comprises the following substeps:
s510: loading a rule factor set;
s520: matching the rule factor with each check rule in the check rule set in a rule engine in sequence;
s530: and if all the check rules in the check rule set are hit, executing the credit utilization rule in the management and control unit.
8. The dynamic credit line management method of claim 1,
the checking rule set is a rule tree set formed by combining at least one rule tree, the rule tree comprises a plurality of condition nodes, the condition nodes comprise branch condition nodes, rule group nodes and calculation comparison expression nodes, and the calculation comparison expression nodes are leaf nodes and are used for judging the logical comparison relationship between the current transaction amount and the available amount in various types of amounts of the user.
9. The dynamic credit line management method of claim 1, wherein the step S600 further comprises: and if the occupied quota is completely recovered and a surplus quota is available, taking the surplus quota as the excessive payment quota of the current quota for independent recording.
10. A dynamic management system of credit limit based on relation tree is characterized in that the system comprises an initialization module, a relation tree generation module, a conversion module, a rule matching module, a management and control unit and an update module,
the initialization module is used for configuring an application rule set and creating a corresponding control unit for each application rule in the application rule set, and each control unit is preset with a respective check rule set;
the relation tree generation module is used for generating credit line grouping and credit sequence based on business scene configuration, and automatically generating a credit line relation tree based on the current credit line information of the user, the currently matched credit line grouping logic and the corresponding credit sequence logic;
the conversion module is used for converting the user transaction message information into a rule factor set;
the rule matching module is used for sequentially matching the rule factor set with each application rule in the application rule set, and if a certain application rule is hit, calling a control unit corresponding to the application rule;
the management and control unit is used for matching the rule factor set with a preset check rule set, and calculating and adjusting the credit line of each credit line node in the line relation tree to occupy the line relation tree node according to the credit line relation tree only after all check rules in the check rule set are successfully matched;
the updating module is used for monitoring the change of the credit information of the user and updating the credit line grouping structure and the credit line relation tree in real time according to the change condition of the credit information.
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| CN112487484A (en) * | 2020-12-15 | 2021-03-12 | 深圳壹账通智能科技有限公司 | Dynamic configuration method and device for node permission in block chain network |
| CN112365345B (en) * | 2021-01-14 | 2021-04-13 | 北京江融信科技有限公司 | DAG-based dynamic control method and system for multi-type credit line |
| CN113052674A (en) * | 2021-03-15 | 2021-06-29 | 平安银行股份有限公司 | Quota management method, electronic device, computer device, and storage medium |
| CN117114858B (en) * | 2023-10-19 | 2024-03-19 | 湖南三湘银行股份有限公司 | Collocation realization method of calculation checking formula based on averator expression |
| CN117788057A (en) * | 2024-02-27 | 2024-03-29 | 浙江恒中养老产业发展有限公司 | Patch issuing and using method and device |
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