CN113506177A

CN113506177A - Foreign exchange transaction limit control method and device

Info

Publication number: CN113506177A
Application number: CN202110853783.8A
Authority: CN
Inventors: 范贝贝; 王舒予
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2021-07-27
Filing date: 2021-07-27
Publication date: 2021-10-15

Abstract

The disclosure provides a foreign exchange transaction quota control method which can be applied to the technical field of big data. The control method comprises the following steps: and receiving a foreign exchange transaction request, wherein the foreign exchange transaction request carries debit currency information and credit currency information. And determining a transaction scene based on the debit currency information and the credit currency information. And calculating the available transaction amount based on a preset limit control rule corresponding to the transaction scene. The disclosure also provides a device, an apparatus, a storage medium and a program product for controlling the limit of the foreign exchange transaction.

Description

Foreign exchange transaction limit control method and device

Technical Field

The present disclosure relates to the field of big data, specifically to the field of big data analysis for a foreign exchange transaction, and more specifically to a method, an apparatus, a device, a medium, and a program product for controlling a limit of a foreign exchange transaction.

Background

With the development of the globalization of economy, the demand of foreign exchange transaction is gradually increased, so the variability of the supervision system of the foreign exchange transaction is reflected. Different quota requirements exist for diversified scenes such as different types of customers, different types of transactions, different currency types, an accumulation party and a monitoring party. At present, a common quota management and control method is to create a set of corresponding management and control models for different specific scenes.

However, for global banks, the control policies of each country or each region in a country are complicated, and the control policies of each region can be continuously adjusted along with the economic development change of the region, the defect that the response speed of the control model is slow when the control model is adapted to a new scene is gradually reflected, the cost generated by the bank correspondingly adjusting the control model is increased, and the maintenance cost and the resource investment of a bank system are greatly increased.

Disclosure of Invention

In view of the above, the present disclosure provides a foreign exchange transaction limit management method, apparatus, device, medium, and program product that improve efficiency of foreign exchange transaction limit management.

According to a first aspect of the present disclosure, there is provided a method for managing and controlling a foreign exchange transaction quota, including: receiving a foreign exchange transaction request, wherein the foreign exchange transaction request carries debit currency information and credit currency information; determining a transaction scenario based on the debit currency information and the credit currency information; and calculating available transaction amount based on a preset limit control rule corresponding to the transaction scene.

According to the embodiment of the disclosure, if the debit currency and the credit currency are both preset currencies, the debit currency and the credit currency satisfy a first preset condition, if the credit currency is a home currency, and the debit currency is a non-preset currency, the debit currency and the credit currency satisfy a second preset condition, if the debit currency is a home currency, and the credit currency is a non-preset currency, the debit currency and the credit currency satisfy a third preset condition, if the debit currency and the credit currency are both non-preset currencies, the debit currency and the credit currency satisfy a fourth preset condition, and the preset currencies include a home currency and at least one foreign currency; determining a transaction scenario based on the debit currency information and the credit currency information, comprising: and determining a transaction scene based on the preset conditions met by the debit currency information and the credit currency information.

According to an embodiment of the present disclosure, the determining a transaction scenario based on the preset condition that the debit currency information and the credit currency information satisfy includes: judging whether the debit currency and the credit currency meet a first preset condition or not; if the debit currency type and the credit currency type do not meet a first preset condition, judging whether the debit currency type and the credit currency type meet a second preset condition and/or judging whether the debit currency type and the credit currency type meet a third preset condition; if the debit currency and the credit currency meet a second preset condition, determining that the transaction scene is an unknown money purchasing scene, if the debit currency and the credit currency meet a third preset condition, determining that the transaction scene is an unknown money settlement scene, and if the debit currency and the credit currency do not meet the second preset condition and do not meet the third preset condition, judging whether the debit currency and the credit currency meet a fourth preset condition; and if the debit currency and the credit currency meet a fourth preset condition, determining that the transaction scene is an unknown double foreign currency foreign exchange scene.

According to an embodiment of the present disclosure, the determining a transaction scenario based on the preset condition that the debit currency information and the credit currency information satisfy further includes: if the debit currency and the credit currency meet a first preset condition, judging whether the debit currency or the credit currency is a home currency or not; and if the debit currency is the home currency, determining that the transaction scene is a known money purchasing scene, if the credit currency is the home currency, determining that the transaction scene is a known money settlement scene, and if the debit currency and the credit currency are not the home currency, determining that the transaction scene is a known double foreign currency scene.

According to an embodiment of the present disclosure, before the determining a transaction scenario based on the debit currency information and the credit currency information, the method includes: analyzing the foreign exchange transaction request to obtain a network point area for sending the foreign exchange transaction request; and acquiring a quota control rule set corresponding to the mesh point area, wherein the quota control rule set comprises at least one preset quota control rule.

According to an embodiment of the present disclosure, the determining a transaction scenario based on the debit currency information and the credit currency information includes: determining a transaction scene based on preset conditions in the quota control rule set met by the debit currency information and the credit currency information; the transaction scenes comprise a known foreign currency purchase scene, a known junction scene, a known double foreign currency scene, an unknown foreign currency purchase scene, an unknown junction scene and an unknown double foreign currency scene.

According to the embodiment of the present disclosure, the limit management and control rule includes a limit accumulating party, a limit accumulating currency, a limit accumulating period and a limit accumulating amount, and the calculating of the available transaction amount based on the preset limit management and control rule corresponding to the transaction scenario includes: acquiring the limit accumulating party, the limit accumulating currency type, the limit accumulating period and the limit accumulating amount; calculating the amount of the accumulated limit currency of the accumulated limit party in the accumulated limit period; and calculating the difference between the accumulated limit amount and the accumulated limit amount to obtain the available transaction amount.

According to an embodiment of the present disclosure, the calculating an available transaction amount based on a preset limit control rule corresponding to the transaction scenario includes: acquiring identity information and historical transaction information of an initiator of the transaction request to determine a credit level of the initiator; selecting a preset quota control rule corresponding to the initiator in the transaction scene based on the credit level; and calculating available transaction amount based on the preset limit control rule.

According to an embodiment of the present disclosure, the method further comprises: and after the foreign exchange transaction request is completed, storing a transaction record of the foreign exchange transaction request so as to update the accumulated amount of the user under the preset limit control rule.

A second aspect of the present disclosure provides a device for managing and controlling a limit of a foreign exchange transaction, including: the system comprises a receiving module, a processing module and a processing module, wherein the receiving module is used for receiving a foreign exchange transaction request, and the foreign exchange transaction request carries debit currency information and credit currency information; the determining module is used for determining a transaction scene based on the debit currency information and the credit currency information; and the calculation module is used for calculating available transaction amount based on a preset limit control rule corresponding to the transaction scene.

According to the embodiment of the disclosure, if the debit currency and the credit currency are both preset currencies, the debit currency and the credit currency satisfy a first preset condition, if the credit currency is a home currency, and the debit currency is a non-preset currency, the debit currency and the credit currency satisfy a second preset condition, if the debit currency is a home currency, and the credit currency is a non-preset currency, the debit currency and the credit currency satisfy a third preset condition, if the debit currency and the credit currency are both non-preset currencies, the debit currency and the credit currency satisfy a fourth preset condition, and the preset currencies include a home currency and at least one foreign currency; the determining module is specifically configured to determine a transaction scenario based on the preset condition that the debit currency information and the credit currency information satisfy.

According to an embodiment of the present disclosure, the determining a transaction module includes: the first judging unit is used for judging whether the debit currency and the credit currency meet a first preset condition or not; a second judging unit, configured to, if the judgment result of the first judging unit is that the debit currency and the credit currency do not satisfy a first preset condition, judge whether the debit currency and the credit currency satisfy a second preset condition, and/or judge whether the debit currency and the credit currency satisfy a third preset condition; a first determining unit, configured to determine that the transaction scene is an unknown money purchasing scene if a determination result of the second determining unit is that the debit currency and the credit currency satisfy a second preset condition, and determine that the transaction scene is an unknown money settlement scene if the debit currency and the credit currency satisfy a third preset condition, and a third determining unit, configured to determine whether the debit currency and the credit currency satisfy a fourth preset condition if a determination result of the second determining unit is that the debit currency and the credit currency do not satisfy the second preset condition and do not satisfy the third preset condition; and the second determining unit is used for determining that the transaction scene is an unknown double foreign currency scene if the judgment result of the third judging unit is that whether the debit currency and the credit currency meet a fourth preset condition.

According to an embodiment of the present disclosure, the determining module further includes a fourth determining unit, configured to determine whether the debit currency or the credit currency is a home currency if the determination result of the first determining unit is that the debit currency and the credit currency satisfy a first preset condition; a third determining unit, configured to determine that the transaction scene is a known money purchasing scene if the debit currency is a home currency, determine that the transaction scene is a known money settlement scene if the credit currency is a home currency, and determine that the transaction scene is a known double foreign currency scene if the debit currency and the credit currency are foreign currencies.

According to an embodiment of the present disclosure, the apparatus further comprises: and the analysis module is used for analyzing the foreign exchange transaction request before the determination module determines the transaction scene to obtain the network point area for sending the foreign exchange transaction request. And the acquisition module is used for acquiring a quota control rule set corresponding to the mesh point area, wherein the quota control rule set comprises at least one preset quota control rule.

According to an embodiment of the disclosure, the determining module is further configured to determine a trading scenario based on a preset condition in the quota control rule set that the debit currency information and the credit currency information satisfy, where the trading scenario includes a known money buying scenario, a known money accumulation scenario, a known double foreign currency scenario, an unknown money buying scenario, an unknown money accumulation scenario, and an unknown double foreign currency scenario.

According to the embodiment of the present disclosure, the limit management and control rule includes a limit accumulation part, a limit accumulation currency type, a limit accumulation period and a limit accumulation amount, and the calculation module includes: the first acquisition unit is used for acquiring the accumulated limit party, the accumulated limit currency type, the accumulated limit period and the accumulated limit amount; the first calculation unit is used for calculating the accumulated amount of money of the accumulated money type in the accumulated period by the accumulated party; and the second calculation unit is used for calculating the difference between the accumulated limit amount and the accumulated limit amount to obtain the available transaction amount.

According to an embodiment of the present disclosure, the calculation module includes: the second acquisition unit is used for acquiring the identity information and the historical transaction information of the initiator of the transaction request so as to determine the credit level of the initiator; the selecting module is used for selecting a preset quota control rule corresponding to the initiator in the transaction scene based on the credit level; and the third calculating unit is used for calculating available transaction amount based on the preset limit control rule.

According to an embodiment of the present disclosure, the apparatus further comprises: and the storage module is used for storing the transaction record of the foreign exchange transaction request after the foreign exchange transaction request is completed so as to update the accumulated amount of the user under the preset limit control rule.

A third aspect of the present disclosure provides an electronic device, comprising: one or more processors; a memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the above-described fx trade quota managing method.

A fourth aspect of the present disclosure also provides a computer-readable storage medium having executable instructions stored thereon, which when executed by a processor, cause the processor to perform the above-mentioned fx transaction limit management method.

A fifth aspect of the present disclosure also provides a computer program product including a computer program that, when executed by a processor, implements the above-described method for controlling a fx transaction limit.

Drawings

The foregoing and other objects, features and advantages of the disclosure will be apparent from the following description of embodiments of the disclosure, which proceeds with reference to the accompanying drawings, in which:

fig. 1 schematically illustrates an application scenario diagram of a foreign exchange transaction quota management method, apparatus, device, medium, and program product according to an embodiment of the present disclosure;

FIG. 2 schematically illustrates a flow chart of a method of fx trade quota management according to an embodiment of the disclosure;

FIG. 3 schematically illustrates a flow diagram for determining a transaction scenario according to an embodiment of the present disclosure;

FIG. 4 schematically shows a flow diagram of determining a transaction scenario according to another embodiment of the present disclosure;

FIG. 5 schematically shows a flow diagram of determining a transaction scenario according to another embodiment of the present disclosure;

FIG. 6 schematically illustrates a flow chart of a method of fx trade quota management according to another embodiment of the disclosure;

FIG. 7 schematically shows a flow diagram for calculating an available transaction amount according to an embodiment of the disclosure;

FIG. 8 schematically illustrates a flow diagram for calculating an available transaction amount according to another embodiment of the disclosure;

fig. 9 is a block diagram schematically showing the structure of a device for limiting the foreign exchange transaction according to an embodiment of the present disclosure;

FIG. 10 schematically illustrates a block diagram of the structure of a determination module according to an embodiment of the present disclosure;

FIG. 11 schematically illustrates a block diagram of the structure of the determination module according to another embodiment of the present disclosure;

fig. 12 is a block diagram schematically showing the structure of a device for limiting the foreign exchange transaction according to another embodiment of the present disclosure;

FIG. 13 schematically illustrates a block diagram of a computing module, according to an embodiment of the disclosure;

FIG. 14 schematically illustrates a block diagram of a computing module, according to another embodiment of the disclosure;

fig. 15 is a block diagram schematically showing the structure of a device for limiting the foreign exchange transaction according to another embodiment of the present disclosure; and

fig. 16 schematically shows a block diagram of an electronic device adapted to implement a method of regulating a limit for a foreign exchange transaction according to an embodiment of the present disclosure.

Detailed Description

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that the description is illustrative only and is not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present disclosure.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The terms "comprises," "comprising," and the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.

All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. It is noted that the terms used herein should be interpreted as having a meaning that is consistent with the context of this specification and should not be interpreted in an idealized or overly formal sense.

Where a convention analogous to "at least one of A, B and C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B and C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.). Where a convention analogous to "A, B or at least one of C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B or C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.).

It should be noted that, in the technical solution of the present disclosure, the acquisition, storage, application, and the like of the personal information of the related user all conform to the regulations of the related laws and regulations, and necessary security measures are taken without violating the good customs of the public order.

Because the traditional bank has the status quo of tight coupling of one-to-one binding of scenes and processing flows in the aspect of client quota monitoring, when a quota management and control policy is adjusted, higher manpower and material resources are required to be invested to correspondingly modify the corresponding quota management and control processing flow. Meanwhile, with the continuous adjustment of policies, the investment in modifying the quota management and control processing flow is more and more increased.

Based on the above problem, an embodiment of the present disclosure provides a method for controlling a foreign exchange transaction quota, including: receiving a foreign exchange transaction request, wherein the foreign exchange transaction request carries debit currency information and credit currency information; determining a transaction scene based on the debit currency information and the credit currency information; and calculating the available transaction amount based on a preset limit control rule corresponding to the transaction scene.

Based on the existing customer quota monitoring policy data of a global typical bank, the key quota control parameters are extracted, and the benchmark quota control rules are formulated in advance to realize the matching with the current mainstream foreign exchange transaction quota control policy.

Secondly, the foreign exchange transaction scene of quota control is decoupled from the control method, so that when the quota control scene or the control policy changes, the foreign exchange transaction control can be realized based on the existing control method by modifying the quota control rule or adding a custom parameter, and the existing control method does not need to be modified or a new control method does not need to be added with much cost.

Fig. 1 schematically shows an application scenario diagram of a foreign exchange transaction quota management method, apparatus, device, medium, and program product according to an embodiment of the present disclosure.

As shown in fig. 1, the application scenario 100 according to this embodiment may include

terminal devices

101, 102, 103, a network 104 and a server 105. The network 104 serves as a medium for providing communication links between the

terminal devices

101, 102, 103 and the server 105. Network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

The user may use the

terminal devices

101, 102, 103 to interact with the server 105 via the network 104 to receive or send messages or the like. The

terminal devices

101, 102, 103 may have installed thereon various communication client applications, such as financial applications, shopping applications, web browser applications, search applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).

The

terminal devices

101, 102, 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The server 105 may be a server providing various services, such as a background management server (for example only) providing support for websites browsed by users using the

terminal devices

101, 102, 103. The background management server may analyze and perform other processing on the received data such as the user request, and feed back a processing result (e.g., a webpage, information, or data obtained or generated according to the user request) to the terminal device.

It should be noted that the foreign exchange transaction quota management method provided by the embodiment of the present disclosure may be generally executed by the server 105. Accordingly, the device for limiting the foreign exchange transaction provided by the embodiment of the present disclosure may be generally disposed in the server 105. The foreign exchange transaction quota managing method provided by the embodiment of the present disclosure may also be executed by a server or a server cluster that is different from the server 105 and is capable of communicating with the

terminal devices

101, 102, 103 and/or the server 105. Accordingly, the device for managing and controlling the foreign exchange transaction quota provided by the embodiment of the present disclosure may also be disposed in a server or a server cluster that is different from the server 105 and is capable of communicating with the

terminal devices

101, 102, 103 and/or the server 105.

It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

The method for managing the foreign exchange transaction quota according to the disclosed embodiment will be described in detail below with reference to fig. 2 to 6 based on the scenario described in fig. 1.

Fig. 2 schematically shows a flowchart of a method for limiting the amount of a foreign exchange transaction according to an embodiment of the present disclosure.

As shown in fig. 2, the foreign exchange transaction quota managing method of the embodiment includes operations S210 to S230.

In operation S210, a foreign currency transaction request is received, where the foreign currency transaction request carries information of a debit currency and information of a credit currency.

Foreign exchange transaction refers to the exchange of one country's currency with another, i.e., the exchange of debit currency with credit currency. When the transaction request initiator sends a foreign exchange transaction request, the foreign exchange transaction request carries the debit currency information and the credit currency information of the initiator. For example, if the foreign exchange transaction request is for the purchase of U.S. dollars in RMB, then the debit currency is U.S. dollars and the credit currency is RMB.

In operation S220, a transaction scenario is determined based on the debit currency information and the credit currency information.

And determining a foreign exchange transaction scene according to the debit currency information and the credit currency information carried by the foreign exchange transaction request. The foreign exchange transaction scene comprises a foreign exchange purchasing scene, a foreign exchange junction scene, a double foreign currency foreign exchange scene and the like.

In operation S230, an available transaction amount is calculated based on a preset limit control rule corresponding to the transaction scenario.

The bank extracts key quota control parameters and pre-establishes benchmark quota control rules according to different foreign exchange transaction scenes on the basis of client quota monitoring policy data of a global typical bank. The limit control rule can be understood as a control rule of foreign exchange transaction amount. That is, the transaction request initiator cannot perform the foreign exchange transaction without limit, but performs the foreign exchange transaction under the limit of the quota control rule. Meanwhile, different limit control rules are provided for different foreign exchange transaction scenes. When executing a foreign exchange transaction request, the bank needs to determine whether the foreign exchange transaction can be performed according to the corresponding limit control rule, and then calculate the amount of the transaction on the premise that the determination result is yes.

The corresponding relation between the foreign exchange transaction scene and the quota control rule is not fixed and is influenced by external factors. External factors include, but are not limited to, changes in the foreign exchange policy of the trading network, the denomination of the debit currency and the credit currency, the exchange rate between the debit currency and the credit currency, the credit rating of the user, and the running water limit of the bank.

In the embodiment of the disclosure, the quota control rule is generated based on various key factors of different levels in a plurality of foreign exchange transaction scenarios, the quota control process is decoupled from the foreign exchange transaction scenarios, and the quota control rule is adapted to diversified foreign exchange transaction scenarios through flexible configuration of various key factors in the quota control rule. Meanwhile, the foreign exchange transaction scene is determined through the debit currency and the credit currency, the determination process of the foreign exchange transaction scene is simplified, subsequent quota control on the specific foreign exchange transaction scene is facilitated, the cost and the resource investment of maintenance quota control rules of a bank system are reduced, and the self-adaptive capacity of the control method on the quota policy is improved.

Fig. 3 schematically illustrates a flow chart for determining a transaction scenario according to an embodiment of the present disclosure.

As shown in fig. 3, the determining of the transaction scenario based on the debit currency information and the credit currency information of this embodiment includes operation S310.

In operation S310, a transaction scenario is determined based on a preset condition that the debit currency information and the credit currency information satisfy.

If the debit currency and the credit currency are both preset currencies, the debit currency and the credit currency meet a first preset condition; if the lending currency type is the home currency and the lending currency type is the non-preset currency, the lending currency type and the lending currency type meet a second preset condition; if the debit currency type is the home currency and the credit currency type is the non-preset currency, the debit currency type and the credit currency type meet a third preset condition; if the debit currency and the credit currency are both non-preset currencies, the debit currency and the credit currency satisfy a fourth preset condition.

And comparing the debit currency and the credit currency with preset currencies respectively to determine a foreign exchange transaction scene. The specific comparison process is divided into the four preset conditions, and whether the debit currency and the credit currency are preset currencies or non-preset currencies is determined. Understandably, the preset currency is the currency already involved in the existing control rule of the bank foreign exchange, and the non-preset currency is the currency which is not involved in the existing control rule of the bank foreign exchange. By the four preset conditions, the foreign exchange transaction scene corresponding to the transaction request can be simply and quickly divided.

The home currency is legal currency of a certain country or region, for example, home currency of China is Renminbi. The foreign currency is a currency type of a country or a region except the home currency. Understandably, the predetermined currency includes a home currency and at least one foreign currency.

As a specific example, fig. 4 schematically illustrates a flow chart for determining a transaction scenario according to another embodiment of the present disclosure.

As shown in fig. 4, the transaction scenario of this embodiment is determined based on the preset condition that the debit currency information and the credit currency information satisfy, and includes operations S410 to S460.

In operation S410, it is determined whether the debit currency and the credit currency satisfy the first predetermined condition, and if not, operation S420 is performed.

In operation S420, it is determined whether the debit currency and the credit currency satisfy the second predetermined condition, and/or whether the debit currency and the credit currency satisfy the third predetermined condition. If the second preset condition is satisfied, operation S430 is performed, if the third preset condition is satisfied, operation S440 is performed, and if the second preset condition is not satisfied and the third preset condition is not satisfied, operation S450 is performed.

In operation S430, it is determined that the trading scenario is an unknown buying scenario.

In operation S440, the transaction scenario is determined to be an unknown junction scenario.

In operation S450, it is determined whether the debit currency and the credit currency satisfy a fourth predetermined condition, and if the fourth predetermined condition is satisfied, operation S460 is performed.

In operation S460, the transaction scenario is determined to be an unknown double foreign currency scenario.

In the embodiment of the present disclosure, it is first determined whether the debit currency and the credit currency are the predetermined currency. If the credit currency and the debit currency are known preset currencies, a specific foreign exchange transaction scene can be determined according to specific currency information. It should be noted that the embodiment of the present disclosure mainly considers the case where the debit currency and the credit currency are not the preset currency at the same time.

When the debit currency and the credit currency are not the preset currency at the same time, the foreign exchange transaction scene can be determined only through the currency information of one party. That is, when the determination result is that the currency of the lending party is the home currency, or the currency of the lending party is the home currency, no matter what the corresponding currency of the other party is, the foreign exchange transaction scene can be clearly determined.

It should be noted that, if the predetermined currency includes the home currency, it is determined preferentially whether the lending currency or the lending currency is the home currency. Meanwhile, the foreign exchange transaction is a transaction of a home currency and a foreign currency, or a transaction of one foreign currency and another foreign currency, and thus, when it is confirmed that one currency is a home currency, the other currency may only be one foreign currency.

On the premise that the debit currency and the credit currency are different from the preset currency, when one currency is determined to be the home currency, the other currency is the non-preset foreign currency. Since the non-preset currency is a currency which is not involved in the existing control rule of the bank foreign exchange, the home currency and the non-preset foreign currency form an unknown currency purchasing scene or an unknown currency junction scene in the existing control rule of the bank foreign exchange.

In the embodiment of the present disclosure, a pseudo code capable of implementing the above determination process is provided, which includes the following specific contents:

IF the debit currency of the current transaction is the parameter debit currency and the credit currency of the current transaction is the parameter credit currency

IF quota control flag is returned as 0THEN without management and control

The next step is carried out when the ELSE IF quota control flag is 1THEN

ENDIF

ELSE IF 0 ═ parameter debit currency & & & loan currency of current transaction & ═ parameter credit currency

IF quota control flag is returned as 0THEN without management and control

The next step is carried out when the ELSE IF quota control flag is 1THEN

ENDIF

The debit currency of the ELSE IF current transaction is the parameter debit currency & &0 &isthe parameter credit currency

IF quota control flag is returned as 0THEN without management and control

The next step is carried out when the ELSE IF quota control flag is 1THEN

ENDIF

ELSE IF 0 ═ parameter debit currency & &0 & -parameter credit currency

IF quota control flag is returned as 0THEN without management and control

The next step is carried out when the ELSE IF quota control flag is 1THEN

ENDIF

The term "IF the debit currency of the current transaction is the parameter debit currency and the credit currency of the current transaction is the parameter credit currency" means that whether the debit currency and the credit currency are both preset currencies is judged. The fact that "ELSE IF 0 & & credit currency of current transaction & & parameter credit currency" means that IF the first determination condition is not satisfied, it is determined whether the credit currency is a preset currency, and at this time, the debit currency is not considered. The "ELSE IF 0 ═ parameter debit currency & &0 ═ parameter credit currency" means that IF the first three determination conditions are not met, it is determined whether the debit currency and the credit currency are non-preset currencies. The "quota control flag is 0" and indicates that no quota control is performed. The "limit control flag is 1" to indicate that limit control is performed.

As an alternative, the "ELSE IF 0 ═ parameter debit currency & &0 & -parameter credit currency" can also be expressed regardless of the current foreign exchange transaction scenario. And on the premise of not determining the foreign exchange transaction scene, carrying out quota control on the transaction request.

Generally, if the debit currency and the credit currency are not the home currency, the debit currency and the credit currency are not the default foreign currency. However, in order to avoid the problem of misjudgment in the judgment process, in operation S420, when the judgment result indicates that the debit currency does not satisfy the second preset condition or the third preset condition, it is further judged whether the debit currency and the credit currency satisfy the fourth preset condition. And if the fourth preset condition is met, determining that the foreign exchange transaction scene is an unknown double-foreign currency foreign exchange scene.

Fig. 5 schematically illustrates a flow diagram for determining a transaction scenario according to another embodiment of the present disclosure.

As shown in fig. 5, the determining of the transaction scenario according to the embodiment based on the preset condition that the debit currency information and the credit currency information satisfy further includes operations S510 to S540.

In operation S510, if the debit currency and the credit currency satisfy the first predetermined condition, it is determined whether the debit currency or the credit currency is the home currency. If the debit currency type is the home currency, operation S520 is performed, if the credit currency type is the home currency, operation S530 is performed, and if neither the debit currency nor the credit currency type is the home currency, operation S540 is performed.

And when the debit currency is the home currency, determining that the transaction scene is a known foreign currency scene, when the credit currency is the home currency, determining that the transaction scene is a known settlement scene, and when the debit currency and the credit currency are foreign currencies, determining that the transaction scene is a known double foreign currency scene.

In operation S520, it is determined that the transaction scenario is a known exchange scenario.

In operation S530, it is determined that the transaction scenario is a known junction scenario.

In operation S540, it is determined that the transaction scenario is a known double foreign currency scenario.

In the embodiment of the present disclosure, when the determination result in operation S410 is that the debit currency and the credit currency are the preset currencies, a specific foreign exchange transaction scenario may be determined according to the specific currency information. The embodiment of the disclosure focuses on the case that the debit currency and the credit currency are the preset currencies at the same time.

Since the preset currency is the currency involved in the existing control rule of the bank foreign exchange, the home currency and the preset foreign currency constitute a known currency purchasing scene or a known currency junction scene in the existing control rule of the bank foreign exchange.

After the debit currency and the credit currency involved in the transaction request are determined, the specific foreign exchange transaction scenario involved in the transaction request can be determined. The specific foreign exchange transaction scene is a foreign exchange transaction scene in which a quota rule is set in the existing control rule of the bank foreign exchange. Therefore, after the known foreign exchange transaction scene is determined, quota management can be performed according to the existing quota management rules of the bank.

Fig. 6 schematically shows a flowchart of a foreign exchange transaction quota managing method according to another embodiment of the present disclosure.

As shown in fig. 6, the foreign exchange transaction quota managing method of the embodiment includes:

In operation S610, the foreign exchange transaction request is parsed to obtain a website area where the foreign exchange transaction request is sent.

In operation S620, a quota management and control rule set corresponding to the mesh point area is obtained, where the quota management and control rule set includes at least one preset quota management and control rule.

In operation S630, a transaction scenario is determined based on a preset condition in the quota management rule set that the debit currency information and the credit currency information satisfy.

In the embodiment of the disclosure, different quota control rules are set by the banking outlet for different regional locations, that is, different banking outlets may have different quota control rules for the same foreign exchange transaction scenario. The quota control rules of different mesh points can form a quota control rule set of the mesh point area.

For example, the area number and/or the website number which sends the foreign exchange transaction request are analyzed, and the quota control rule set corresponding to the area number and/or the website number is obtained. And determining a known purchase and exchange scene, a known junction and exchange scene and a known double foreign currency scene which are contained in the limit control rule set, and an unknown purchase and exchange scene, an unknown junction and exchange scene and an unknown double foreign currency scene which are not contained in the limit control rule set based on the limit control rule set.

Operation S630 determines that a specific embodiment of the foreign exchange transaction scenario is similar to the specific embodiment corresponding to fig. 3 to 5, based on the preset condition in the limit control rule set satisfied by the debit currency information and the credit currency information. Therefore, details of the specific embodiment of determining the foreign exchange transaction scenario are not repeated in this embodiment.

It should be noted that, in the determination process of the network point area, when the actual network point area exceeds the range covered by the foreign exchange transaction limit, the network point area may be limited and controlled according to the set default limit control rule.

By the initial embodiment of the disclosure, the transaction scene is determined in the regionalized quota control rule set, the influence of the regionalized factors on the quota control rules is fully considered, and the quota control rules are further improved.

Figure 7 schematically illustrates a flow diagram for calculating an available transaction amount according to an embodiment of the disclosure.

As shown in fig. 7, the calculating of the available transaction amount based on the preset limit control rule corresponding to the transaction scenario in this embodiment includes operations S710 to S730.

In operation S710, a credit square, a credit currency, a credit period, and a credit limit amount are obtained. The limit control rule comprises information of a limit accumulating party, a limit accumulating currency type, a limit accumulating period and a limit accumulating amount.

In operation S720, the amount of the accumulated money type in the accumulated period is calculated.

In operation S730, a difference between the credit amount and the credit amount is calculated to obtain an available transaction amount.

In the embodiment of the disclosure, the credit limit side includes a debit side and a credit side, the credit limit period includes a day period, a month period, a season period, a year period, and the like, and the credit limit currency is a preset currency involved in the limit management and control rule.

Calculating the amount of the threshold includes determining a parameter conversion criterion that determines whether the amount of the debit transaction is not converted to a reference or the amount of the credit transaction is converted to a reference. And determining a parameter conversion mode. For example, after the debit transaction amount is determined as a conversion basis, the conversion according to the daily final rate, the real-time rate or the cost rate is determined.

And calculating the amount of the determined limit accumulating party accumulated to the current transaction date in the limit accumulating period based on the limit management rule. When the amount of the accumulated amount does not exceed the amount of the accumulated amount, the transaction request can be normally executed.

Figure 8 schematically illustrates a flow diagram for calculating an available transaction amount according to another embodiment of the disclosure.

As shown in fig. 8, the calculating of the available transaction amount based on the preset limit control rule corresponding to the transaction scenario in this embodiment includes operations S810 to S830.

In operation S810, identity information of an initiator of a transaction request and historical transaction information are acquired to determine a credit level of the initiator.

The initiator of the transaction request may be an individual user, a collective user, an enterprise entity, or the like. Whether an individual user, a collective user, or a business entity, a foreign exchange transaction request is initiated through a particular bank account. And acquiring the identity information and the historical transaction information of the specific bank account, and determining the credit level of the account according to the historical transaction flow and the identity level of the account. The higher the historical transaction flow is, the higher the identity level of the account number is, which indicates that the credit level of the user is higher.

In operation S820, a preset quota management and control rule corresponding to the initiator in the transaction scenario is selected based on the credit level.

Different quota governing rules are selected for accounts with different credit levels. Understandably, accounts with higher credit ratings may have larger foreign exchange transaction amounts.

In operation S830, an available transaction amount is calculated based on a preset limit management rule.

In the embodiment of the disclosure, according to the credit level of the bank account of the initiator, the quota control rule adapted to the credit level is selected, so as to perform matched quota control on the client.

As one specific example, the limit management rule further relates to a plurality of parameters, including but not limited to, debit currency, debit price, debit currency collection, credit currency, credit price, credit currency collection, client management flag, client type flag, individual limit control flag, total amount control flag, product type, amount currency, and the like.

In order to increase expandability and maintainability of the limit control method, a user-defined limit matching interface can be added, so that a characteristic limit control rule matched with the transaction request can be determined through user-defined limit parameters besides factors such as region factors, currency factors, limit accumulation party factors, limit accumulation period factors, limit factors and account credit levels. For example, a black and white list may be set in the custom quota parameter, and the custom quota parameter is limited and compared with the initiator of the current transaction to determine whether to perform quota management and control.

As a specific embodiment, after a foreign exchange transaction request is successfully executed, a transaction record of the foreign exchange transaction request needs to be stored to update the accumulated amount of money of the user under the preset limit control rule, so as to realize limit control on subsequent foreign exchange transactions.

Based on the method for controlling the foreign exchange transaction quota, the disclosure also provides a device for controlling the foreign exchange transaction quota. The apparatus will be described in detail below with reference to fig. 9.

Fig. 9 schematically shows a block diagram of the structure of the device for limiting the foreign exchange transaction according to the embodiment of the present disclosure.

As shown in fig. 9, the device 900 for limiting foreign exchange transaction of this embodiment includes a receiving module 910, a determining module 920 and a calculating module 930.

The receiving module 910 is configured to receive a foreign currency transaction request, where the foreign currency transaction request carries information of a debit currency and information of a credit currency. In an embodiment, the receiving module 910 may be configured to perform the operation S210 described above, which is not described herein again.

And a determining module 920, configured to determine a transaction scenario based on the debit currency information and the credit currency information. In an embodiment, the determining module 920 may be configured to perform the operation S220 described above, which is not described herein again.

The calculating module 930 is configured to calculate an available transaction amount based on a preset limit control rule corresponding to a transaction scenario. In an embodiment, the calculating module 930 may be configured to perform the operation S230 described above, which is not described herein again.

According to an embodiment of the present disclosure, the determining module 920 is specifically configured to determine a transaction scenario based on a preset condition that the debit currency information and the credit currency information satisfy.

If the debit currency and the credit currency are both preset currencies, the debit currency and the credit currency meet a first preset condition. If the lending currency type is the home currency and the lending currency type is the non-preset currency, the lending currency type and the lending currency type satisfy a second preset condition. If the debit currency is the home currency and the credit currency is the non-preset currency, the debit currency and the credit currency satisfy a third preset condition. If the debit currency and the credit currency are both non-preset currencies, the debit currency and the credit currency satisfy a fourth preset condition. The preset currency types comprise a home currency and at least one foreign currency.

Fig. 10 schematically shows a block diagram of the structure of the determination module according to an embodiment of the present disclosure.

As shown in fig. 10, the determining module 920 includes:

the first determining unit 9201 is configured to determine whether the debit currency and the credit currency satisfy a first predetermined condition.

A second determining unit 9202, configured to determine whether the debit currency and the credit currency satisfy the second predetermined condition and/or determine whether the debit currency and the credit currency satisfy the third predetermined condition if the determination result of the first determining unit is that the debit currency and the credit currency do not satisfy the first predetermined condition.

A first determining unit 9203, configured to determine that the transaction scene is an unknown money purchasing scene if the determination result of the second determining unit is that the debit currency and the credit currency meet the second preset condition, and determine that the transaction scene is an unknown money settlement scene if the debit currency and the credit currency meet the third preset condition.

A third determining unit 9204 is configured to determine whether the debit currency and the credit currency satisfy the fourth preset condition if the determination result of the second determining unit is that the debit currency and the credit currency do not satisfy the second preset condition and do not satisfy the third preset condition.

A second determining unit 9205, configured to determine that the transaction scene is an unknown double foreign currency scene if the determination result of the third determining unit is that whether the debit currency and the credit currency meet a fourth preset condition.

Fig. 11 schematically shows a block diagram of the structure of the determination module according to another embodiment of the present disclosure.

As shown in fig. 11, the determining module 920 further includes:

a fourth determining unit 9206, configured to determine whether the debit currency or the credit currency is the home currency if the determination result of the first determining unit is that the debit currency and the credit currency satisfy the first preset condition.

A third determining unit 9027, configured to determine that the transaction scenario is a known money purchasing scenario if the debit currency is a home currency, determine that the transaction scenario is a known money settlement scenario if the credit currency is a home currency, and determine that the transaction scenario is a known double-foreign currency scenario if the debit currency and the credit currency are foreign currencies.

Fig. 12 is a block diagram schematically showing the structure of a device for limiting the foreign exchange transaction amount according to another embodiment of the present disclosure.

As shown in fig. 12, the apparatus 900 further includes:

an analyzing module 940, configured to analyze the foreign exchange transaction request before the determining module determines the transaction scenario, to obtain a website area for sending the foreign exchange transaction request

The obtaining module 950 is configured to obtain a quota management and control rule set corresponding to the node area, where the quota management and control rule set includes at least one preset quota management and control rule.

In this embodiment of the disclosure, the determining module 920 is further configured to determine a trading scenario based on a preset condition in the quota control rule set that is satisfied by the debit currency information and the credit currency information, where the trading scenario includes a known money buying scenario, a known money combination scenario, a known double foreign currency scenario, an unknown money buying scenario, an unknown money combination scenario, and an unknown double foreign currency scenario.

FIG. 13 schematically shows a block diagram of a computing module, according to an embodiment of the disclosure.

As shown in fig. 13, the calculation module 930 includes:

the first obtaining unit 9301 is configured to obtain an accumulative limit party, an accumulative limit currency type, an accumulative limit period, and an accumulative limit amount.

A first calculating unit 9302 for calculating the amount of the accumulated money type in the accumulated period by the accumulated party.

The second calculating unit 9303 is configured to calculate a difference between the credit limit and the credit limit to obtain the available transaction credit.

Fig. 14 schematically shows a block diagram of a computing module according to another embodiment of the present disclosure.

As shown in fig. 14, the calculation module 930 includes:

a second obtaining unit 9304 is configured to obtain the identity information of the initiator of the transaction request and the historical transaction information to determine the credit level of the initiator.

A selecting module 9305, configured to select, based on the credit level, a preset quota management and control rule corresponding to the initiator in the transaction scenario.

A third calculating unit 9306 for calculating the available transaction amount based on the preset limit control rule.

Fig. 15 schematically shows a block diagram of the structure of a device for limiting foreign exchange transaction according to another embodiment of the present disclosure.

As shown in fig. 15, the apparatus 900 further includes:

the storage module 960 is configured to store a transaction record of the foreign exchange transaction request after the foreign exchange transaction request is completed, so as to update the accumulated amount of the user under the preset limit control rule.

According to an embodiment of the present disclosure, any plurality of modules of the receiving module 910, the determining module 920 and the calculating module 930 may be combined to be implemented in one module, or any one of them may be split into a plurality of modules. Alternatively, at least part of the functionality of one or more of these modules may be combined with at least part of the functionality of the other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the receiving module 910, the determining module 920 and the calculating module 930 may be implemented at least partially as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented in hardware or firmware by any other reasonable manner of integrating or packaging a circuit, or may be implemented in any one of or a suitable combination of software, hardware and firmware. Alternatively, at least one of the receiving module 910, the determining module 920 and the calculating module 930 may be at least partially implemented as a computer program module, which when executed may perform the corresponding functions.

As shown in fig. 16, an electronic device 1600 according to an embodiment of the disclosure includes a processor 1601 that can perform various suitable actions and processes in accordance with a program stored in a Read Only Memory (ROM)1602 or a program loaded from a storage portion 1608 into a Random Access Memory (RAM) 1603. Processor 1601 may include, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or related chipset, and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), among others. Processor 1601 may also include on-board memory for caching purposes. Processor 1601 may include a single processing unit or multiple processing units for performing different actions of a method flow according to embodiments of the present disclosure.

In the RAM 1603, various programs and data necessary for the operation of the electronic apparatus 1600 are stored. The processor 1601, the ROM 1602, and the RAM 1603 are connected to each other via a bus 1604. Processor 1601 performs various operations of the method flow according to embodiments of the present disclosure by executing programs in ROM 1602 and/or RAM 1603. It is noted that the programs may also be stored in one or more memories other than ROM 1602 and RAM 1603. The processor 1601 may also perform various operations of the method flows according to embodiments of the present disclosure by executing programs stored in the one or more memories.

According to an embodiment of the present disclosure, the electronic device 1600 may also include an input/output (I/O) interface 1605, the input/output (I/O) interface 1605 also being connected to the bus 1604. The electronic device 1600 may also include one or more of the following components connected to the I/O interface 1605: an input portion 1606 including a keyboard, a mouse, and the like; an output portion 1607 including a display device such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and a speaker; a storage portion 1608 including a hard disk and the like; and a communication section 1609 including a network interface card such as a LAN card, a modem, or the like. The communication section 1609 performs communication processing via a network such as the internet. The driver 1610 is also connected to the I/O interface 1605 as needed. A removable medium 1611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 1610 as necessary, so that a computer program read out therefrom is mounted in the storage portion 1608 as necessary.

The present disclosure also provides a computer-readable storage medium, which may be contained in the apparatus/device/system described in the above embodiments; or may exist separately and not be assembled into the device/apparatus/system. The computer-readable storage medium carries one or more programs which, when executed, implement the method according to an embodiment of the disclosure.

According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example but is not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. For example, according to embodiments of the present disclosure, a computer-readable storage medium may include one or more memories other than ROM 1602 and/or RAM 1603 and/or ROM 1602 and RAM 1603 described above.

Embodiments of the present disclosure also include a computer program product comprising a computer program containing program code for performing the method illustrated in the flow chart. When the computer program product runs in a computer system, the program code is used for causing the computer system to realize the item recommendation method provided by the embodiment of the disclosure.

The computer program performs the above-described functions defined in the system/apparatus of the embodiments of the present disclosure when executed by the processor 1601. The systems, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In one embodiment, the computer program may be hosted on a tangible storage medium such as an optical storage device, a magnetic storage device, or the like. In another embodiment, the computer program may also be transmitted, distributed in the form of a signal on a network medium, downloaded and installed via the communication part 1609, and/or installed from the removable medium 1611. The computer program containing program code may be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

In such embodiments, the computer program may be downloaded and installed from a network via the communication portion 1609, and/or installed from the removable media 1611. The computer program, when executed by the processor 1601, performs the above-described functions defined in the system of the embodiments of the present disclosure. The systems, devices, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In accordance with embodiments of the present disclosure, program code for executing computer programs provided by embodiments of the present disclosure may be written in any combination of one or more programming languages, and in particular, these computer programs may be implemented using high level procedural and/or object oriented programming languages, and/or assembly/machine languages. The programming language includes, but is not limited to, programming languages such as Java, C + +, python, the "C" language, or the like. The program code may execute entirely on the user computing device, partly on the user device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

Those skilled in the art will appreciate that various combinations and/or combinations of features recited in the various embodiments and/or claims of the present disclosure can be made, even if such combinations or combinations are not expressly recited in the present disclosure. In particular, various combinations and/or combinations of the features recited in the various embodiments and/or claims of the present disclosure may be made without departing from the spirit or teaching of the present disclosure. All such combinations and/or associations are within the scope of the present disclosure.

The embodiments of the present disclosure have been described above. However, these examples are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments are described separately above, this does not mean that the measures in the embodiments cannot be used in advantageous combination. The scope of the disclosure is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be devised by those skilled in the art without departing from the scope of the present disclosure, and such alternatives and modifications are intended to be within the scope of the present disclosure.

Claims

1. A foreign exchange transaction quota management and control method comprises the following steps:

receiving a foreign exchange transaction request, wherein the foreign exchange transaction request carries debit currency information and credit currency information;

determining a transaction scenario based on the debit currency information and the credit currency information;

and calculating available transaction amount based on a preset limit control rule corresponding to the transaction scene.

2. The method of claim 1, wherein,

if the debit currency and the credit currency are both the preset currency, the debit currency and the credit currency satisfy a first preset condition,

if the lending currency type is the home currency and the lending currency type is the non-preset currency, the lending currency type and the lending currency type satisfy the second preset condition,

if the debit currency type is the home currency and the credit currency type is the non-preset currency, the debit currency type and the credit currency type satisfy a third preset condition,

if the debit currency and the credit currency are both non-preset currencies, the debit currency and the credit currency satisfy a fourth preset condition,

the preset currency types comprise a home currency and at least one foreign currency;

determining a transaction scenario based on the debit currency information and the credit currency information, comprising:

and determining a transaction scene based on the preset conditions met by the debit currency information and the credit currency information.

3. The method of claim 2, wherein said determining a transaction scenario based on said preset condition being satisfied by said debit currency information and said credit currency information comprises:

judging whether the debit currency and the credit currency meet a first preset condition or not;

if the debit currency type and the credit currency type do not meet a first preset condition, judging whether the debit currency type and the credit currency type meet a second preset condition and/or judging whether the debit currency type and the credit currency type meet a third preset condition;

if the debit currency and the credit currency meet a second preset condition, determining that the transaction scene is an unknown transaction scene, if the debit currency and the credit currency meet a third preset condition, determining that the transaction scene is an unknown settlement scene,

if the debit currency and the credit currency do not meet a second preset condition and a third preset condition, judging whether the debit currency and the credit currency meet a fourth preset condition or not;

and if the debit currency and the credit currency meet a fourth preset condition, determining that the transaction scene is an unknown double foreign currency foreign exchange scene.

4. The method of claim 3, wherein said determining a transaction scenario based on said preset condition being met by said debit currency information and said credit currency information further comprises:

if the debit currency and the credit currency meet a first preset condition, judging whether the debit currency or the credit currency is a home currency or not;

and if the debit currency is the home currency, determining that the transaction scene is a known money purchasing scene, if the credit currency is the home currency, determining that the transaction scene is a known money settlement scene, and if the debit currency and the credit currency are not the home currency, determining that the transaction scene is a known double foreign currency scene.

5. The method of claim 1, wherein prior to said determining a transaction scenario based on said debit currency information and said credit currency information, said method comprises:

analyzing the foreign exchange transaction request to obtain a network point area for sending the foreign exchange transaction request;

and acquiring a quota control rule set corresponding to the mesh point area, wherein the quota control rule set comprises at least one preset quota control rule.

6. The method of claim 5, wherein said determining a transaction scenario based on said debit currency information and said credit currency information comprises:

determining a transaction scene based on preset conditions in the quota control rule set met by the debit currency information and the credit currency information;

the transaction scenes comprise a known foreign currency purchase scene, a known junction scene, a known double foreign currency scene, an unknown foreign currency purchase scene, an unknown junction scene and an unknown double foreign currency scene.

7. The method of claim 1, wherein the limit control rule includes a limit accumulating party, a limit accumulating currency type, a limit accumulating period and a limit accumulating amount, and the calculating an available trading amount based on a preset limit control rule corresponding to the trading scenario includes:

acquiring the limit accumulating party, the limit accumulating currency type, the limit accumulating period and the limit accumulating amount;

calculating the amount of the accumulated limit currency of the accumulated limit party in the accumulated limit period;

and calculating the difference between the accumulated limit amount and the accumulated limit amount to obtain the available transaction amount.

8. The method according to claim 1, wherein the calculating available transaction amount based on the preset limit control rule corresponding to the transaction scenario includes:

acquiring identity information and historical transaction information of an initiator of the transaction request to determine a credit level of the initiator;

selecting a preset quota control rule corresponding to the initiator in the transaction scene based on the credit level;

and calculating available transaction amount based on the preset limit control rule.

9. The method of claim 1, further comprising:

and after the foreign exchange transaction request is completed, storing a transaction record of the foreign exchange transaction request so as to update the accumulated amount of the user under the preset limit control rule.

10. A device for managing and controlling a foreign exchange transaction limit, comprising:

the system comprises a receiving module, a processing module and a processing module, wherein the receiving module is used for receiving a foreign exchange transaction request, and the foreign exchange transaction request carries debit currency information and credit currency information;

the determining module is used for determining a transaction scene based on the debit currency information and the credit currency information; and

and the calculation module is used for calculating available transaction amount based on the preset limit control rule corresponding to the transaction scene.

11. The apparatus of claim 10, comprising:

the determining module is specifically configured to determine a transaction scenario based on the preset condition that the debit currency information and the credit currency information satisfy.

12. The apparatus of claim 11, wherein the means for determining comprises:

the first judging unit is used for judging whether the debit currency and the credit currency meet a first preset condition or not;

a second judging unit, configured to, if the judgment result of the first judging unit is that the debit currency and the credit currency do not satisfy a first preset condition, judge whether the debit currency and the credit currency satisfy a second preset condition, and/or judge whether the debit currency and the credit currency satisfy a third preset condition;

a first determining unit, configured to determine that the transaction scenario is an unknown money purchasing scenario if the determination result of the second determining unit is that the debit currency and the credit currency satisfy a second preset condition, and determine that the transaction scenario is an unknown money settlement scenario if the debit currency and the credit currency satisfy a third preset condition,

a third determining unit, configured to determine whether the debit currency and the credit currency satisfy a fourth preset condition if the determination result of the second determining unit indicates that the debit currency and the credit currency do not satisfy the second preset condition and do not satisfy the third preset condition;

and the second determining unit is used for determining that the transaction scene is an unknown double foreign currency scene if the judgment result of the third judging unit is that whether the debit currency and the credit currency meet a fourth preset condition.

13. The apparatus according to claim 12, wherein the determining module further comprises a fourth determining unit for determining whether the debit currency or the credit currency is the home currency if the determination result of the first determining unit is that the debit currency and the credit currency satisfy a first preset condition;

a third determining unit, configured to determine that the transaction scene is a known money purchasing scene if the debit currency is a home currency, determine that the transaction scene is a known money settlement scene if the credit currency is a home currency, and determine that the transaction scene is a known double foreign currency scene if the debit currency and the credit currency are foreign currencies.

14. The apparatus of claim 11, wherein the apparatus further comprises:

the analysis module is used for analyzing the foreign exchange transaction request to obtain a network point area for sending the foreign exchange transaction request before the determination module determines the transaction scene

And the acquisition module is used for acquiring a quota control rule set corresponding to the mesh point area, wherein the quota control rule set comprises at least one preset quota control rule.

15. The apparatus of claim 14, wherein the determining module is further configured to determine a trading scenario based on a preset condition in the set of quota management rules satisfied by the debit currency information and the credit currency information, the trading scenario including a known buy currency scenario, a known junction scenario, a known double foreign currency scenario, an unknown buy currency scenario, an unknown junction scenario, and an unknown double foreign currency scenario.

16. The apparatus of claim 11, wherein the limit management rules include a limit-accumulating party, a limit-accumulating currency type, a limit-accumulating period, and a limit-accumulating amount, and the calculation module includes:

the first acquisition unit is used for acquiring the accumulated limit party, the accumulated limit currency type, the accumulated limit period and the accumulated limit amount;

the first calculation unit is used for calculating the accumulated amount of money of the accumulated money type in the accumulated period by the accumulated party;

and the second calculation unit is used for calculating the difference between the accumulated limit amount and the accumulated limit amount to obtain the available transaction amount.

17. The apparatus of claim 11, wherein the computing module comprises:

the second acquisition unit is used for acquiring the identity information and the historical transaction information of the initiator of the transaction request so as to determine the credit level of the initiator;

the selecting module is used for selecting a preset quota control rule corresponding to the initiator in the transaction scene based on the credit level;

and the third calculating unit is used for calculating available transaction amount based on the preset limit control rule.

18. The apparatus of claim 11, wherein the apparatus further comprises:

and the storage module is used for storing the transaction record of the foreign exchange transaction request after the foreign exchange transaction request is completed so as to update the accumulated amount of the user under the preset limit control rule.

19. An electronic device, comprising:

one or more processors;

a storage device for storing one or more programs,

wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the method of any of claims 1-9.

20. A computer readable storage medium having stored thereon executable instructions which, when executed by a processor, cause the processor to perform the method of any one of claims 1 to 9.

21. A computer program product comprising a computer program which, when executed by a processor, implements a method according to any one of claims 1 to 9.