CN113393309A - Merchant amount adjusting method, equipment, computer program product and storage medium - Google Patents
Merchant amount adjusting method, equipment, computer program product and storage medium Download PDFInfo
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- CN113393309A CN113393309A CN202110561951.6A CN202110561951A CN113393309A CN 113393309 A CN113393309 A CN 113393309A CN 202110561951 A CN202110561951 A CN 202110561951A CN 113393309 A CN113393309 A CN 113393309A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
Abstract
The invention discloses a method, a device, a computer program product and a storage medium for adjusting the amount of a commercial tenant, wherein the method comprises the following steps: when an amount adjustment request is received, acquiring an adjustment object and amount adjustment information corresponding to the adjustment request; when the adjustment object has the limit application right, acquiring a limit adjustment condition corresponding to the adjustment object; when the amount adjustment information meets the amount adjustment condition, the amount adjustment is carried out, the problem that the amount adjustment is carried out when the risk of merchant amount adjustment cannot be accurately evaluated in the prior art is solved, and the risk identification capability of merchant amount adjustment is improved.
Description
Technical Field
The invention relates to the technical field of financial management, in particular to a method, equipment, a computer program product and a storage medium for adjusting the amount of a merchant.
Background
At present, with the development of different merchant industries, merchant amounts of different merchant industries have large differences, so that amount adjustment application is usually performed before products are issued, in the prior art, in the process of merchant amount adjustment, an amount adjustment application is usually provided by a merchant at a client, and then amount adjustment verification and processing are performed by risk control managers, and when the amount of the amount adjustment application is large, the risk control managers cannot accurately evaluate the risk of merchant amount adjustment, so that amount adjustment is performed.
Disclosure of Invention
The embodiment of the application aims to solve the problem that the limit adjustment is carried out when the risk of the limit adjustment of the commercial tenant cannot be accurately evaluated by providing a commercial tenant limit adjustment method, a commercial tenant limit adjustment device, a computer program product and a storage medium.
The embodiment of the application provides a method for adjusting the line of a merchant, which comprises the following steps:
when an amount adjustment request is received, acquiring an adjustment object and amount adjustment information corresponding to the adjustment request;
when the adjustment object has the limit application right, acquiring a limit adjustment condition corresponding to the adjustment object;
and when the amount adjustment information meets the amount adjustment condition, performing amount adjustment.
In an embodiment, the credit adjustment condition includes at least one of the following:
the audit state of the adjustment object is passed;
the adjustment object misses in a blacklist;
the regulation object has no illegal payment record;
the target amount in the amount adjustment information does not exceed the upper limit proportion set by the amount adjustment.
In an embodiment, before the step of obtaining the quota adjusting condition corresponding to the adjustment object when the adjustment object has the quota application right, the method further includes:
acquiring registration information of the adjustment object;
and judging whether the adjusting object has limit application authority or not based on the registration information of the adjusting object.
In an embodiment, the step of determining whether the adjustment object has a quota application authority based on the registration information of the adjustment object includes:
and judging whether the adjustment object is a registered user of the software service system or not according to the registration information of the adjustment object, wherein when the adjustment object is the registered user of the software service system, the adjustment object is judged to have limit application authority.
In an embodiment, after the step of adjusting the quota when the quota adjusting information satisfies the quota adjusting condition, the method further includes:
judging whether the adjusting object uploads auxiliary data within a preset time after the limit is adjusted, wherein the auxiliary data at least comprises one of the following materials: operating scene videos, posters and commodity price lists;
if the auxiliary data is not uploaded by the adjusting object within the preset time, the amount of the adjusting object is recovered to the amount before adjustment.
In an embodiment, after the step of obtaining the quota adjusting condition corresponding to the adjustment object when the adjustment object has the quota application right, the method further includes:
and generating a reason for the failed adjustment of the quota when the information for the adjustment of the quota does not satisfy the condition for the adjustment of the quota.
In an embodiment, when receiving the adjustment request for the quota, before the step of obtaining the adjustment object and the quota adjustment information corresponding to the adjustment request, the manner of generating the quota adjustment request includes at least one of the following:
generating a limit adjustment request when the historical transaction amount corresponding to the adjustment object exceeds a preset threshold value; and/or the presence of a gas in the gas,
and automatically generating a limit adjustment request according to the industry type of the adjustment object.
In addition, to achieve the above object, the present invention also provides an intelligent device, including: the system comprises a memory, a processor and a merchant amount adjusting program which is stored on the memory and can be operated on the processor, wherein the merchant amount adjusting program realizes the steps of the merchant amount adjusting method when being executed by the processor.
In addition, in order to achieve the above object, the present invention further provides a computer program product, where the computer program product includes a merchant amount adjustment program, and the merchant amount adjustment program is executed by the processor to implement the steps of the merchant amount adjustment method.
In addition, in order to achieve the above object, the present invention further provides a storage medium, on which a merchant amount adjustment program is stored, wherein the merchant amount adjustment program, when executed by a processor, implements the steps of the merchant amount adjustment method.
The technical scheme of the merchant amount adjusting method, the merchant amount adjusting device, the computer program product and the storage medium provided by the embodiment of the application at least has the following technical effects or advantages:
when the quota adjusting request is received, the adjusting object and the quota adjusting information corresponding to the adjusting request are obtained; when the adjustment object has the limit application right, acquiring a limit adjustment condition corresponding to the adjustment object; when the amount adjustment information meets the amount adjustment condition, the technical scheme of amount adjustment is carried out, the problem that the amount adjustment is carried out when the risk of merchant amount adjustment cannot be accurately evaluated is solved, and the risk identification capability of merchant amount adjustment is improved.
Drawings
FIG. 1 is a schematic diagram of a hardware operating environment according to an embodiment of the present invention;
FIG. 2 is a schematic flow chart illustrating a first embodiment of a method for adjusting the credit of a merchant according to the present invention;
FIG. 3 is a flowchart illustrating a second embodiment of a method for adjusting the amount of a merchant according to the present invention;
FIG. 4 is a flowchart illustrating a merchant amount adjustment method according to a fourth embodiment of the present invention;
the implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
For a better understanding of the above technical solutions, exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
As shown in fig. 1, fig. 1 is a schematic structural diagram of a hardware operating environment according to an embodiment of the present invention.
It should be noted that fig. 1 is a schematic structural diagram of a hardware operating environment of the merchant credit line adjusting device.
As shown in fig. 1, the merchant amount adjustment device may include: a processor 1001, such as a CPU, a memory 1005, a user interface 1003, a network interface 1004, a communication bus 1002. Wherein a communication bus 1002 is used to enable connective communication between these components. The user interface 1003 may include a Display screen (Display), an input unit such as a Keyboard (Keyboard), and the optional user interface 1003 may also include a standard wired interface, a wireless interface. The network interface 1004 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface). The memory 1005 may be a high-speed RAM memory or a non-volatile memory (e.g., a magnetic disk memory). The memory 1005 may alternatively be a storage device separate from the processor 1001.
Those skilled in the art will appreciate that the structure of the merchant credit adjustment device shown in FIG. 1 does not constitute a limitation of the merchant credit adjustment device, and may include more or less components than those shown, or some components in combination, or a different arrangement of components.
As shown in fig. 1, a memory 1005 as a storage medium may include an operating system, a network communication module, a user interface module, and a merchant amount adjustment program. The operating system is a program for managing and controlling hardware and software resources of the merchant credit line adjusting equipment, the merchant credit line adjusting program and the running of other software or programs.
In the merchant amount adjustment device shown in fig. 1, the user interface 1003 is mainly used for connecting a terminal and performing data communication with the terminal; the network interface 1004 is mainly used for the background server and performs data communication with the background server; processor 1001 may be configured to invoke a merchant amount adjustment program stored in memory 1005.
In this embodiment, the merchant amount adjustment device includes: a memory 1005, a processor 1001 and a merchant credit adjustment program stored on the memory and operable on the processor, wherein:
when the processor 1001 calls the merchant amount adjustment program stored in the memory 1005, the following operations are performed:
when an amount adjustment request is received, acquiring an adjustment object and amount adjustment information corresponding to the adjustment request;
when the adjustment object has the limit application right, acquiring a limit adjustment condition corresponding to the adjustment object;
when the limit adjustment information meets the limit adjustment condition, the limit adjustment is performed
When processor 1001 calls the merchant amount adjustment program stored in memory 1005, the following operations are also performed:
acquiring registration information of the adjustment object;
and judging whether the adjusting object has limit application authority or not based on the registration information of the adjusting object.
When processor 1001 calls the merchant amount adjustment program stored in memory 1005, the following operations are also performed:
and judging whether the adjustment object is a registered user of the software service system or not according to the registration information of the adjustment object, wherein when the adjustment object is the registered user of the software service system, the adjustment object is judged to have limit application authority.
When processor 1001 calls the merchant amount adjustment program stored in memory 1005, the following operations are also performed:
judging whether the adjusting object uploads auxiliary data within a preset time after the limit is adjusted, wherein the auxiliary data at least comprises one of the following materials: operating scene videos, posters and commodity price lists;
if the auxiliary data is not uploaded by the adjusting object within the preset time, the amount of the adjusting object is recovered to the amount before adjustment.
When processor 1001 calls the merchant amount adjustment program stored in memory 1005, the following operations are also performed:
and generating a reason for the failed adjustment of the quota when the information for the adjustment of the quota does not satisfy the condition for the adjustment of the quota.
When processor 1001 calls the merchant amount adjustment program stored in memory 1005, the following operations are also performed:
generating a limit adjustment request when the historical transaction amount corresponding to the adjustment object exceeds a preset threshold value; and/or the presence of a gas in the gas,
and automatically generating a limit adjustment request according to the industry type of the adjustment object.
The embodiment of the present invention provides an embodiment of a method for adjusting a merchant credit, where it should be noted that although a logical sequence is shown in the flowchart, in some cases, the steps shown or described may be executed in a sequence different from that shown here, an operating system of the method for adjusting a merchant credit includes, but is not limited to, Linux, Android, or Windows7, and the method for adjusting a merchant credit may be applied to an intelligent device, such as a tablet computer, a smartphone, or the like.
As shown in fig. 2, fig. 2 is a schematic flow chart of a first embodiment of the present application, which includes the following steps:
step S110, when receiving the quota adjusting request, obtaining an adjusting object and quota adjusting information corresponding to the adjusting request;
step S120, when the adjustment object has the limit application right, obtaining limit adjustment conditions corresponding to the adjustment object;
step S130, when the amount adjustment information meets the amount adjustment condition, performing amount adjustment.
In this embodiment, the method for adjusting the credit line of the merchant provided by the invention is mainly used in the technical field of financial management. The terminal related to the merchant amount adjusting method provided by the invention comprises but is not limited to a mobile phone, a tablet computer, a computer and the like, and related application systems are pre-loaded on the terminal and comprise but not limited to an APP or a webpage system and the like.
In this embodiment, the generating the quota adjusting request includes at least one of the following manners: when the historical transaction amount corresponding to the adjustment object exceeds a preset threshold value, generating a limit adjustment request, for example, the system automatically triggers a limit adjustment application after the system automatically touches an early warning line according to the daily occurrence amount or the monthly occurrence amount of the adjustment object, ninety percent of the daily limit of the adjustment object can be set as the early warning line, and when the single-day transaction amount of the adjustment object exceeds the daily limit, the system automatically triggers the limit adjustment application; and/or automatically generating a quota adjusting request according to the industry type of the adjusting object, for example, subdividing the industry type according to the operation scene of the adjusting object, and automatically triggering quota adapting application for the adjusting object in different operation scenes, specifically, each adjusting object corresponds to one industry type, the trade environment of the union pay card, the main business range and the industry attribution of the adjusting object are represented by merchant category codes, namely MCC codes, and a risk control manager adapts the merchant quota corresponding to the adjusting object according to the merchant category codes of the adjusting object; and/or submitting a limit adjustment request at the client according to the scene requirements of the adjustment object, for example, the adjustment object generates the limit adjustment request by logging in a limit adjustment system and triggering a limit adjustment button on a system interface; the three operation scenes are all the limit adjusting requests of the adjusting objects are intelligently identified by the limit management system.
In this embodiment, the adjustment objects may be individuals, individual users, enterprises, or the like, and each adjustment object has a corresponding merchant number, merchant name, or the like; the amount adjustment information comprises a payment type, an amount type or a specific amount application value, wherein the payment type can be card swiping, code scanning such as WeChat two-dimensional code, Paibao two-dimensional code or Unionpay card two-dimensional code, and other quick payment modes; the quota type can be single quota, single-day total quota or single-month total quota, the quota application value can be determined according to the requirement of an adjustment object, when a quota adjustment request is received, the quota management system acquires the adjustment object corresponding to the adjustment request, and quota adjustment information such as payment type, specific quota type and specific quota application value which are submitted by the adjustment object and need to be adjusted, and carries out risk identification of the quota adjustment information.
In this embodiment, the adjustment object needs to have an amount application right and has an amount adjustment qualification only when the adjustment object meets an amount adjustment condition, so after obtaining the adjustment object corresponding to the amount adjustment request and the amount adjustment information corresponding to the adjustment object, it needs to verify whether the adjustment object has an amount application right, when the adjustment object has an amount application right, the amount adjustment condition corresponding to the adjustment object is obtained, and whether the adjustment object meets all the amount adjustment conditions is determined, where the amount adjustment condition includes at least one of: the audit state of the adjustment object is passed; the adjustment object is a hit black and gray list; the regulation object has no illegal payment record, such as illegal payment record without WeChat or Payment treasure; the adjustment object has no unsettled work order; the adjustment object has no returned order; the adjusting object has no recent failure limit adjusting record; the target amount in the amount adjustment information corresponding to the adjustment object does not exceed the upper limit proportion of the amount adjustment equipment; the method comprises the steps that when the adjustment object judges whether all limit adjustment conditions are met, fixed auditing logic is used for judging, the limit adjustment conditions have priority in an auditing process, limit adjustment can be carried out only after all limit adjustment conditions are approved, when any limit adjustment condition is unavailable, limit adjustment cannot be carried out, auditing of the limit adjustment conditions aims at prejudging risks after limit adjustment, and the limit adjustment can be carried out by increasing the limit or reducing the limit or carrying out limit adjustment according to different industrial scenes.
According to the technical scheme, the method comprises the steps of acquiring an adjustment object and limit adjustment information corresponding to an adjustment request when the limit adjustment request is received; when the adjustment object has the limit application right, acquiring a limit adjustment condition corresponding to the adjustment object; when the amount adjustment information meets the amount adjustment condition, the technical means of amount adjustment is carried out, the problem that in the prior art, when a large amount of amount adjustment applications exist, the amount adjustment can not be carried out by accurately evaluating the merchant amount adjustment risk is solved, and the risk identification capability of merchant amount adjustment is improved.
As shown in fig. 3, fig. 3 is a schematic flowchart of a second embodiment of the present application, where steps S210 to S220 in the second embodiment are located before step S120 in the first embodiment, and the second embodiment of the present application includes the following steps:
step S210, obtaining the registration information of the adjustment object;
step S220, judging whether the adjusting object has limit application authority or not based on the registration information of the adjusting object.
In this embodiment, a source of the adjustment object, a number of the adjustment object, a type of the adjustment object, and an upper limit allowing for the adjustment of the amount are preconfigured on a wind control page of the amount management system, where the upper limit configuring the adjustment of the amount may be a multiple value obtained by increasing a single limit, a single-day total limit, or a single-month total limit to an original amount, the multiple value proportion corresponding to the single limit, the single-day total limit, or the single-month total limit may be configured separately, and whether to provide data may be selected according to the number of the adjustment object may be further set on the wind control page of the amount management system.
In this embodiment, when an amount adjustment request is received, an adjustment object and amount adjustment information corresponding to the adjustment request are obtained, whether the adjustment object has an amount application authority or not is determined, specifically, a source of the adjustment object is determined through registration information of the adjustment object, whether the adjustment object has an amount application authority or not is determined through the source of the adjustment object, and the source of the adjustment object is preconfigured in an amount management system and displayed on a wind control page.
According to the technical scheme, the technical means of acquiring the registration information of the adjustment object and judging whether the adjustment object has the quota application authority or not based on the registration information of the adjustment object is adopted, so that the quota application authority of the adjustment object is verified.
The following is a third embodiment of the present application, where step S221 in the third embodiment is a refinement step of step S220 in the second embodiment, and the third embodiment includes:
step S221, judging whether the adjustment object is a registered user of the software service system according to the registration information of the adjustment object, wherein when the adjustment object is the registered user of the software service system, the adjustment object is judged to have limit application authority.
In this embodiment, the source of the adjustment object is determined according to the registration information of the adjustment object, and the source of the adjustment object includes two parts: the credit management system of the application allows the agent of the SAAS source to call the credit adjustment interface, the registered user of the software service system is the agent of the SAAS source, and when the adjustment object is the registered user of the software service system, the adjustment object is judged to have the credit application authority.
According to the technical scheme, whether the adjustment object is a registered user of the software service system is judged according to the registration information of the adjustment object, so that whether the adjustment object has limit application authority is judged.
As shown in fig. 4, fig. 4 is a schematic flowchart of a fourth embodiment of the present application, where steps S310 to S320 in the fourth embodiment are located after step S130 in the first embodiment, and the fourth embodiment of the present application includes the following steps:
step S310, judging whether the adjusting object uploads auxiliary data within a preset time after the limit is adjusted, wherein the auxiliary data at least comprises one of the following materials: operating scene videos, posters and commodity price lists;
step S320, if the auxiliary data is not uploaded by the adjusting object within the preset time, the amount of the adjusting object is recovered to the amount before adjustment.
In this embodiment, the preset time may be set according to an actual situation, for example, the preset time may be set to 3 days, 1 week, and 1 month, the auxiliary data includes a business scene video, the duration of the business scene video may be limited, for example, between 45 seconds and 60 seconds, and the auxiliary data may also be a photo of an adjustment object holding an id card settlement card; the auxiliary data can also be scene auxiliary certification data, such as activity poster, product price list, invoice or value added tax invoice; after the adjustment of the amount is successful, the adjustment object needs to upload auxiliary data for verification in a preset time, if the adjustment object does not upload auxiliary data for verification in the preset time, the amount management system will automatically restore the amount after the adjustment of the amount corresponding to the adjustment object to the amount before the adjustment.
According to the technical scheme, whether the adjustment object uploads the auxiliary data for verification or not within the preset time after the amount adjustment is judged, and if the adjustment object uploads the auxiliary data for verification within the preset time, the amount of the adjustment object is recovered to the amount before adjustment, so that the risk of the merchant after the amount adjustment is reduced.
The following is a fifth embodiment of the present application, where step S410 in the fifth embodiment is located after step S120 in the first embodiment, and the fifth embodiment includes:
step S410, when the adjustment information of the amount does not satisfy the adjustment condition of the amount, generating a reason for the failure of the adjustment of the amount.
In this embodiment, when the information for adjusting the amount does not satisfy the condition for adjusting the amount, a reason for failing to adjust the amount is generated, where the reason for failing to adjust the amount further includes: the specific reasons of the limit adjustment failure can be that the auditing state of the adjustment object is not passed, the adjustment object hits a black and grey list, the adjustment object has a WeChat payment packet violation record, the adjustment object has an unfinished worksheet, the adjustment object has a refund, the adjustment object has a failure limit adjustment record recently, and the limit adjustment information exceeds the upper limit proportion set by the limit.
According to the technical scheme, the embodiment adopts the technical means of generating the reason of the failed adjustment of the quota when the information of the quota adjustment does not meet the condition of the quota adjustment so as to prompt the reason of the failed adjustment of the quota to be adjusted for the next processing.
Based on the same inventive concept, the embodiment of the present application further provides a computer program product, where the computer program product includes a merchant amount adjustment program, and when the merchant amount adjustment program is executed by a processor, the steps of the merchant amount adjustment method described above are implemented, and the same technical effect can be achieved, and in order to avoid repetition, details are not repeated here.
Since the computer program product provided in the embodiments of the present application is a computer program product used for implementing the method in the embodiments of the present application, based on the method described in the embodiments of the present application, a person skilled in the art can understand the specific structure and modification of the computer program product, and thus details are not described herein. All computer program products that may be used in the methods of the embodiments of the present application are intended to be within the scope of the present application.
Based on the same inventive concept, the embodiment of the present application further provides a storage medium, where the storage medium stores a merchant amount adjustment program, and the merchant amount adjustment program, when executed by the processor, implements the steps of the merchant amount adjustment method as described above, and can achieve the same technical effect, and is not described herein again to avoid repetition.
Since the storage medium provided in the embodiments of the present application is a storage medium used for implementing the method in the embodiments of the present application, based on the method described in the embodiments of the present application, a person skilled in the art can understand a specific structure and a modification of the storage medium, and thus details are not described here. Any storage medium used in the methods of the embodiments of the present application is intended to be within the scope of the present application.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
It should be noted that in the claims, any reference signs placed between parentheses shall not be construed as limiting the claim. The word "comprising" does not exclude the presence of elements or steps not listed in a claim. The word "a" or "an" preceding an element does not exclude the presence of a plurality of such elements. The invention may be implemented by means of hardware comprising several distinct elements, and by means of a suitably programmed computer. In the unit claims enumerating several means, several of these means may be embodied by one and the same item of hardware. The usage of the words first, second and third, etcetera do not indicate any ordering. These words may be interpreted as names.
While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all such alterations and modifications as fall within the scope of the invention.
It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.
Claims (10)
1. A method for adjusting the amount of a merchant is characterized by comprising the following steps:
when an amount adjustment request is received, acquiring an adjustment object and amount adjustment information corresponding to the adjustment request;
when the adjustment object has the limit application right, acquiring a limit adjustment condition corresponding to the adjustment object;
and when the amount adjustment information meets the amount adjustment condition, performing amount adjustment.
2. The method for adjusting the credit of a merchant as recited in claim 1, wherein the credit adjustment condition comprises at least one of the following:
the audit state of the adjustment object is passed;
the adjustment object misses in a blacklist;
the regulation object has no illegal payment record;
the target amount in the amount adjustment information does not exceed the upper limit proportion set by the amount adjustment.
3. The merchant credit adjustment method of claim 2, wherein before the step of obtaining the credit adjustment condition corresponding to the adjustment object when the adjustment object has the credit application right, the method further comprises:
acquiring registration information of the adjustment object;
and judging whether the adjusting object has limit application authority or not based on the registration information of the adjusting object.
4. The method for adjusting the credit of a merchant as set forth in claim 3, wherein the step of determining whether the adjustment object has credit application authority based on the registration information of the adjustment object comprises:
and judging whether the adjustment object is a registered user of the software service system or not according to the registration information of the adjustment object, wherein when the adjustment object is the registered user of the software service system, the adjustment object is judged to have limit application authority.
5. The method for adjusting the credit of a merchant as recited in claim 1, wherein the step of adjusting the credit when the credit adjustment information satisfies the credit adjustment condition further comprises:
judging whether the adjusting object uploads auxiliary data within a preset time after the limit is adjusted, wherein the auxiliary data at least comprises one of the following materials: operating scene videos, posters and commodity price lists;
if the auxiliary data is not uploaded by the adjusting object within the preset time, the amount of the adjusting object is recovered to the amount before adjustment.
6. The merchant credit adjustment method of claim 1, wherein after the step of obtaining the credit adjustment condition corresponding to the adjustment object when the adjustment object has the credit application right, the method further comprises:
and generating a reason for the failed adjustment of the quota when the information for the adjustment of the quota does not satisfy the condition for the adjustment of the quota.
7. The method for adjusting the credit of a merchant as recited in claim 1, wherein when receiving the credit adjustment request, the method for generating the credit adjustment request comprises at least one of the following methods before the step of obtaining the adjustment object and the credit adjustment information corresponding to the adjustment request:
generating a limit adjustment request when the historical transaction amount corresponding to the adjustment object exceeds a preset threshold value; and/or the presence of a gas in the gas,
and automatically generating a limit adjustment request according to the industry type of the adjustment object.
8. An intelligent device, wherein the intelligent device comprises a memory, a processor and a merchant credit line adjusting program stored in the memory and operable on the processor, and the merchant credit line adjusting program, when executed by the processor, implements the steps of the merchant credit line adjusting method according to any one of claims 1 to 7.
9. A computer program product, characterized in that the computer program product comprises a merchant credit adjustment program, and the merchant credit adjustment program is executed by a processor to realize the steps of the merchant credit adjustment method according to any one of claims 1-7.
10. A storage medium, wherein the storage medium stores a merchant amount adjustment program, and the merchant amount adjustment program, when executed by a processor, implements the steps of the merchant amount adjustment method according to any one of claims 1 to 7.
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