CN115587894A

CN115587894A - Method for checking investment and transaction business limit and related equipment

Info

Publication number: CN115587894A
Application number: CN202211101566.4A
Authority: CN
Inventors: 蒲韵淇; 陈于思; 李明
Original assignee: China Construction Bank Corp
Current assignee: China Construction Bank Corp
Priority date: 2022-09-09
Filing date: 2022-09-09
Publication date: 2023-01-10

Abstract

The method for checking the investment and transaction business credit and the related equipment can obtain scene classification related data and credit control related data of the investment and transaction business; determining a limit control scene corresponding to the investment and transaction business by using scene classification associated data; and matching and checking the quota control associated data by using quota control conditions matched with the quota control scene to obtain a quota check result corresponding to the investment and transaction service. The method and the system realize management and control differentiation of the credit management and control by determining the credit management and control scene and the credit control condition corresponding to the investment and transaction business, and solve the credit verification problem of the investment and transaction business under various management and control scenes.

Description

Method for checking investment and transaction business limit and related equipment

Technical Field

The present disclosure relates to the field of data processing technologies, and in particular, to a method for checking an investment and transaction credit and a related device.

Background

The bank investment and transaction business has the characteristics of high frequency, strong timeliness, high accuracy requirement and many transaction elements, so the credit management and control has the characteristics of strong timeliness, high management and control accuracy and many scenes, and has higher requirements on the rigor of system logic and the accuracy of credit calculation.

The limit control is a system, and the target of limit control is the main body of the legal person and the main body of the credit of the commercial bank. The minimum unit of limit control is a trading opponent, and the trading opponent and a legal person are in a many-to-one relationship. The method for managing and controlling the quota is to judge and calculate the quota per transaction. The existing credit line management and control system does not obviously distinguish credit line usage scenes and management and control logics, management and control money, management and control force and management and control scenes (including organizations, products, time limits and the like) of credit line usage conditions. Therefore, the problem that the credit maintenance work is complicated, the system architecture is not flexible enough, and the management and control scenes are not rich enough is often caused. In addition, for the case that the credit using conditions of the investment and transaction services are complex, no targeted solution is available.

Disclosure of Invention

In view of the above problems, the present disclosure provides a method and related device for checking the credit of an investment and transaction service, which overcomes or at least partially solves the above problems, and the technical solution is as follows:

a method for checking the credit of investment and transaction services comprises the following steps:

acquiring scene classification associated data and limit control associated data of investment and transaction services;

determining a limit control scene corresponding to the investment and transaction business by using the scene classification associated data;

and matching and checking the limit control associated data by using limit control conditions matched with the limit control scene to obtain a limit checking result corresponding to the investment and transaction service.

Optionally, the scene classification related data includes a legal person main body of the investment and transaction service, a transaction opponent, a limit type, a service institution, an account book type and a limit due date.

Optionally, the data associated with credit control includes product category, transaction expiration date, service term and credit available amount of the investment and transaction service.

Optionally, the determining, by using the scene classification related data, a quota management and control scene corresponding to the investment and transaction service includes:

and matching and checking each data in the scene classification related data according to preset classification conditions, and determining a quota control scene corresponding to the investment and transaction service according to a matching result under the condition that each data in the scene classification related data is matched.

Optionally, the method further includes:

and under the condition that the data in the scene classification associated data are matched and checked according to the preset classification conditions and any data in the scene classification associated data are not matched, determining that the investment and transaction service exceeds the preset limit control range, and ending the limit check process of the investment and transaction service.

Optionally, the preset classification condition includes a verification sequence set for each data in the scene classification related data, and performing matching verification on each data in the scene classification related data according to the preset classification condition includes:

and performing matching check on each data in the scene classification related data in sequence according to the check sequence, wherein the check sequence is related to the magnitude of the information gain of each data.

Optionally, the matching and checking the credit control associated data by using the credit control condition matched with the credit control scenario to obtain a credit check result corresponding to the investment and transaction services includes:

and under the condition that the quota control scene is matched with a sub-quota, matching and checking the quota control related data according to the sub-quota by using a first quota control condition matched with the quota control scene to obtain a first quota checking result corresponding to the investment and transaction service, wherein the first quota control condition comprises a first quota using condition and a first quota sufficiency condition, and the first quota checking result comprises a first checking result corresponding to the first quota using condition and a second checking result corresponding to the first quota sufficiency condition.

under the condition that the quota control scene is matched with a plurality of divisional quotas, matching and checking quota control associated data according to each divisional quota respectively by using second quota control conditions matched with the quota control scene to obtain divisional matching check results corresponding to each divisional quota respectively, wherein the second quota control conditions comprise second quota using conditions and second quota sufficiency conditions, and the divisional matching check results comprise third check results corresponding to the second quota using conditions and fourth check results corresponding to the second quota sufficiency conditions;

and carrying out credit combined matching verification on each split matching verification result based on a preset split credit combined verification condition to obtain a second credit verification result corresponding to the investment and transaction business.

An investment and transaction credit checking device, comprising: an investment and transaction service data obtaining unit, a quota management and control scene determining unit and a quota verifying result obtaining unit,

the investment and transaction service data acquisition unit is used for acquiring scene classification related data and limit control related data of investment and transaction service;

the credit management and control scene determining unit is used for determining a credit management and control scene corresponding to the investment and the transaction service by using the scene classification associated data;

and the credit check result obtaining unit is used for carrying out matching check on the credit control associated data by using credit control conditions matched with the credit control scene to obtain a credit check result corresponding to the investment and transaction service.

An electronic device comprising at least one processor, and at least one memory connected to the processor, a bus; the processor and the memory complete mutual communication through the bus; the processor is used for calling the program instructions in the memory to execute any one of the investment and transaction service amount checking methods.

By means of the technical scheme, the method and the related equipment for checking the credit of the investment and transaction business can obtain scene classification related data and credit control related data of the investment and transaction business; determining a limit control scene corresponding to the investment and transaction business by using scene classification associated data; and matching and checking the quota control associated data by using quota control conditions matched with the quota control scene to obtain a quota check result corresponding to the investment and transaction service. The method and the system realize management and control differentiation of the credit management and control by determining credit management and control scenes and credit control conditions corresponding to investment and transaction services, and solve the credit verification problem of the investment and transaction services under various management and control scenes.

The foregoing description is only an overview of the technical solutions of the present disclosure, and the embodiments of the present disclosure are described below in order that the technical means of the present disclosure may be clearly understood, and the foregoing and other objects, features, and advantages of the present disclosure may be more clearly understood.

Drawings

Various other advantages and benefits will become apparent to those of ordinary skill in the art upon reading the following detailed description of the preferred embodiments. The drawings are only for purposes of illustrating the preferred embodiments and are not to be construed as limiting the disclosure. Also, like reference numerals are used to refer to like parts throughout the drawings. In the drawings:

FIG. 1 is a flow chart diagram illustrating one embodiment of a method for checking investment and transaction credits according to an embodiment of the present disclosure;

FIG. 2 is a flow chart illustrating another embodiment of a method for checking the credit of an investment and a transaction provided by an embodiment of the present disclosure;

FIG. 3 is a flow chart diagram illustrating another embodiment of a method for checking the credit of an investment and transaction provided by an embodiment of the present disclosure;

FIG. 4 is a flow chart illustrating another embodiment of a method for checking the credit of an investment and a transaction provided by an embodiment of the present disclosure;

fig. 5 shows a schematic structural diagram of the device for checking the credit of investment and transaction provided by the embodiment of the disclosure.

Detailed Description

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.

The existing limit control system has simple logic and single decision flow, so that the flexibility of system functions is insufficient, and the limit control scene which can be covered is limited. In order to improve the flexibility of system functions, the system process designed by the embodiment of the disclosure can freely define a quota control scene and rules through logic rules, the designed parameters have the characteristics of standardization and consistency, can be flexibly configured and freely combined, and is relatively accurate for the processing rules of field values.

The embodiment of the disclosure adopts a decision tree algorithm to design the limit control rule and the flow. The completeness of the scene is realized through the design of the control strength and the control rule of the decision tree field. The available limit calculation rule design and the verification process design are adopted, so that the limit is accurately controlled. When the limit management and control rule is configured, the flexibility and the foresight of the system function are ensured by using a mode of freely combining parameters. The convenience of operation is realized through the design of a system maintenance interface and the standardized design of a maintenance scheme.

As shown in fig. 1, a flow chart of an implementation manner of the method for checking the credit of the investment and transaction services provided by the embodiment of the present disclosure may include:

s100, obtaining scene classification related data and limit control related data of investment and transaction business.

Wherein, the investment and transaction service can be an investment service or a transaction service provided by a financial field institution. For example: securities investment business and bond investment business. Foreign exchange transaction service, exchange rate service, and commodity transaction service.

The embodiment of the disclosure can design parameters in advance so as to define the limit management and control scene. In general, elements related to the credit management of the investment and transaction business may include various product types under the product group, business term, business organization, account book name, transaction opponents, legal body, credit due date, credit type, transaction due date, and credit available amount. The legal owner is also called a quota occupying owner.

The embodiment of the disclosure can divide the credit verification condition into a classification condition and a credit control condition. The classification condition mainly relates to the legal body of investment and transaction business, a transaction opponent, a limit type, a business mechanism, an account book type and a limit due date. The credit control condition mainly relates to the product type of investment and transaction service, transaction expiration date, service term and credit available amount.

The classification condition and the limit control condition have different control purposes. The classification condition is used for defining the accuracy and the scene of limit management and control. The control condition is used for judging the feasible condition of using the quota.

The control strength of the classification condition and the limit control condition is different. The classification condition plays a role of path guidance and does not forcibly terminate the transaction. The credit control condition plays a role in flow termination or continuous execution and can forcibly terminate the transaction.

Optionally, the scenario classification related data may be data for determining accuracy and scenario of credit management of investment and transaction services. Optionally, the scene classification associated data includes a legal body of the investment and transaction business, a transaction opponent, a credit type, a business organization, an account book type and a credit due date.

Alternatively, the credit control-related data may be data for determining conditions for availability of credit. Optionally, the credit control associated data includes product type of investment and transaction service, transaction expiration date, service term and credit available amount.

The embodiment of the disclosure can perform matrix-type self-defined combination on the limit control associated data, and determine the available amount of the limit according to each permutation and combination condition so as to realize scene number expansion and enhance flexibility of limit control.

The embodiment of the disclosure designs parameters through standardization, ensures data consistency, can be flexibly configured and freely combined in practical application, and realizes accurate processing of field values.

The embodiment of the disclosure can design the credit management and control logic based on a decision tree algorithm, firstly, a classification condition is used for defining a credit management and control scene, and a credit management and control condition is used for judging a feasible credit use condition, namely, after scene classification related data and credit control related data of investment and transaction services are input, information such as the use scene, the control condition, an occupied item, an occupied amount and a residual credit of the credit are finally output through the judgment of each condition.

S200, determining a limit control scene corresponding to the investment and transaction business by using the scene classification associated data.

Optionally, based on the method shown in fig. 1, as shown in fig. 2, a flowchart of another implementation manner of the method for checking the credit of the investment and transaction businesses provided by the embodiment of the present disclosure may include that step S200 includes:

s210, matching and checking each data in the scene classification related data according to preset classification conditions, and determining a quota control scene corresponding to the investment and transaction service according to a matching result under the condition that each data in the scene classification related data is matched.

Wherein, the limit control range can be preset in the preset classification condition. The extent of the credit may be a range of elements used to determine the credit scenario for the investment and transaction business. For example, the predetermined limit control range may include elements including a legal body of investment and transaction business, a transaction opponent, a limit type, a business organization, an account book type, and a limit expiration date.

Since the preset classification conditions are used for classifying the quota management and control scenes, in the process of matching and verifying each data in the scene classification associated data, if it is determined that the investment and the transaction service do not meet each quota management and control scene, the subsequent matching and verifying process can be directly ended.

In order to reduce the condition judgment link in the matching verification, all classification conditions can be sorted, the condition judgment is carried out in sequence according to the sorting, and when any condition judgment is not matched, the subsequent judgment process is directly ended.

Optionally, the embodiment of the present disclosure may perform matching verification on each data in the scene classification related data according to a preset classification condition, determine that the investment and transaction services exceed a preset credit management and control range under the condition that any data in the scene classification related data is not matched, and end the credit verification process of the investment and transaction services.

Optionally, the preset classification condition includes a check sequence set for each data in the scene classification related data. The matching verification can be sequentially performed on each data in the scene classification related data according to the verification sequence, wherein the verification sequence is related to the information gain of each data.

In the design of classification conditions, firstly, it is required to ensure that classification rules conform to business logic, and that the limit management and control are effective, namely the current date is not later than the limit due date, otherwise, the limit is invalid, and then, a single client is taken as a limit management and control object and is mapped to a legal person main body.

For an quota management and control scenario, embodiments of the present disclosure may sort the check order of each data in the scenario classification associated data according to decision tree logic. It is understood that the data in the scene classification associated data includes corresponding fields and field values. The embodiment of the disclosure can select the value with the highest frequency of occurrence in each field in the quota to construct an analysis scene. For example: in a scene of 'bank credit approval of XX by a head office' approval: only the exchange rate capital service can be developed, and the service life does not exceed 6 months', the field classification is shown in table 1, then, in order to improve the operation efficiency of the verification system and reduce the system judgment link, the embodiment of the disclosure can calculate the information gain of each data in the scene classification related data, the fields with larger information gains are ranked more forward, that is, the data with larger information gains are ranked more forward in the verification sequence in the preset classification condition.

TABLE 1

The information entropy can be calculated firstly, and then the information gain is calculated according to the information entropy.

The information entropy formula:

wherein S represents a population sample; c represents the total type number of the service classification; i is the number of the type; p is a radical of _i Representing the probability of classifying traffic as type i.

The information gain formula:

wherein A represents a condition characteristic; s _ν The representation is characterized by taking a sample at ν.

The starting point of the information entropy is 1, i.e. the probability of passing and failing is 50% when no field is entered. Based on the fields in the classification conditions shown in table 1, the calculated information entropy and information gain can be as shown in table 2.

TABLE 2

And (3) according to the information gain sorting, fixing the first three fields with the largest information gain, and continuously sorting the remaining two fields, wherein the information gain 2 of the account book name is larger, so that the final sorting after adjustment is shown in table 3.

TABLE 3

For ease of understanding, the description is made herein by way of example: as shown in table 3, if the preset classification conditions sequentially set the checking order for each data in the scene classification associated data as the corporate master, the transaction opponent, the business organization, the account book name and the account type, in determining the account control scene by actually using the preset classification conditions, matching and checking the field value "XX bank" corresponding to the corporate master is performed first, assuming that N account control scenes are matched, then matching and checking the field value "XX bank" corresponding to the transaction opponent, matching N-3 account control scenes in the N account control scenes, and so on, until matching and checking the field value "fund transaction" corresponding to the account type, the account control scene corresponding to the investment and transaction business is finally determined according to the matching result of each account field in sequence.

S300, matching and checking the limit control associated data by using limit control conditions matched with the limit control scene to obtain a limit check result corresponding to the investment and the transaction service.

Optionally, the credit control condition may include a check order set for each data in the credit control associated data. The embodiment of the disclosure can perform matching verification on each data in the quota control associated data in sequence according to a verification sequence, wherein the verification sequence is related to the information gain of each data.

Optionally, based on the method shown in fig. 1, as shown in fig. 3, a flowchart of another implementation manner of the method for checking the credit of the investment and transaction businesses provided by the embodiment of the present disclosure may include that step S300 includes:

s310, under the condition that the quota control scene is matched with a sub-quota, matching verification is carried out on quota control related data according to the sub-quota by using a first quota control condition matched with the quota control scene, and a first quota verification result corresponding to the investment and transaction service is obtained.

The itemized quota is used for indicating the quota and the period corresponding to each product in the investment and transaction business. The bar quota includes a group of classification conditions and at least one group of control conditions. And when the investment and transaction business is successfully matched with the classification conditions in any of the itemized lines, utilizing the line control associated data in the investment and transaction business to match with the detailed lines in the itemized lines. The sub-line includes available money corresponding to the sub-line and detail available money corresponding to each detail line. The disclosed embodiments select the minimum of the available amount and the respective detail available amount as the available amount for the investment and transaction service. For example: assuming that the product Q and the product W are involved in the investment and transaction business, the itemized quota X matching the quota management scenario corresponding to the investment and transaction business may include: the available sum Q of the details corresponding to the product Q, the available sum W of the details corresponding to the product W, and the available sum e of the products Q and W.

The division lines are control rules, and the transaction is a control object. The transaction element is the characteristic of the transaction and is also the specific element of the management and control. For example: if the control conditions are due date and transaction date, and the itemized quota stipulates that one transaction can be carried out within 1 year, the transaction elements are due date and transaction date, and whether the quota using condition is met is judged by judging whether the due date-transaction date exceeds 1 year. Of course, the specific calculation also involves specific rules such as holiday adjustment and the like. If the transaction element of the control condition is foreign exchange, if the credit limit is specified as foreign exchange, the credit using condition of the credit limit is passed. If the transaction element of the control condition is foreign exchange, if the credit stipulates interest rate, the credit using condition of the credit is not passed.

The first limit control condition comprises a first limit using condition and a first limit full condition, and the first limit checking result comprises a first checking result corresponding to the first limit using condition and a second checking result corresponding to the first limit full condition.

Specifically, matching verification is carried out on the quota control related data according to the divisional quota, whether the quota control related data meet a first quota using condition and a first quota full condition is determined, the first verification result is determined to be passed under the condition that the first quota using condition is met, and the first verification result is determined to be not passed under the condition that the first quota using condition is not met. And determining that the second check result is full if the first limit full condition is met, and determining that the second check result is insufficient if the first limit full condition is not met.

Optionally, based on the method shown in fig. 1, as shown in fig. 4, a flowchart of another implementation manner of the method for checking the credit of the investment and transaction businesses provided by the embodiment of the present disclosure is shown, and step S300 may include:

s320, under the condition that the limit control scene is matched with a plurality of sub-limits, matching and checking limit control associated data according to the sub-limits respectively by using a second limit control condition matched with the limit control scene to obtain sub-limit matching and checking results corresponding to the sub-limits respectively.

The second quota control condition comprises a second quota use condition and a second quota full condition, and the itemized matching verification result comprises a third verification result corresponding to the second quota use condition and a fourth verification result corresponding to the second quota full condition.

The description of performing the matching check on the quota control related data according to any stripe quota may refer to the description of step S310, which is not described herein again.

S330, carrying out limit combined matching and checking on each sub-strip matching and checking result based on a preset sub-strip limit combined checking condition to obtain a second limit checking result corresponding to the investment and the transaction service.

Wherein, the joint check range of the stripe quota can be preset in the joint check condition of the preset stripe quota. The preset joint check range of the divisional quota can be an element range for judging the feasible conditions of quota use. For example: the preset joint check range of the itemized limit can comprise factors including product types of investment and transaction services, transaction due dates, service time limit and limit available amount.

It can be understood that, under the condition that the single sub-limits pass the verification in the first limit verification result of the investment and transaction service, the available amounts of the plurality of sub-limits are subjected to combined matching verification, and if the control condition of any available amount is not met, the second limit verification result of the investment and transaction service is determined to be not passed.

It is understood that the input variable of the embodiment of the present disclosure is a single investment and transaction service, and the output is a check result indicating the credit usage condition of the investment and transaction service and identifying whether the investment and transaction service is sufficient.

The design of the limit control condition of the embodiment of the disclosure follows two goals: firstly, the completeness of the scene needs to be ensured, and whether the quota using condition is met can be judged by ensuring each transaction. Secondly, it is necessary to ensure that each set corresponds to an available amount value, so as to correctly deduct the corresponding amount, and finally ensure that the transaction correctly occupies the amount.

Therefore, the control scene is analyzed by adopting the set theory, and the one-to-one mapping of the available sum of each quota and the use scene of the quota is ensured. The connotation and the extension of the set need to meet the two requirements, namely, the completeness and the accuracy of the scene are ensured. The elements in the set represent each transaction the bank conducts with the customer. The completeness of the scene is that each transaction falls into the correct set, so that the developable transaction meets the limit use condition.

In the design of the quota use condition in the embodiment of the present disclosure, the scene of the binary control condition of a certain legal subject, that is, the product category and the service life, needs to be considered. For the use conditions of the amount of the legal body, as shown in table 4, four sets and corresponding use scenes of the amount are defined from large to small:

TABLE 4

The set relationship is as follows:

A＝S ₁ ∪S ₂ ···∪S _n ,n∈[1,+∞)

S _i ＝(P ₁ ∩M ₁ )∪(P ₂ ∩M ₂ )···∪(P _m ∩M _m ),i∈[1,n],m∈[1,+∞)

wherein n is the number of items in the itemized limit, m is the number of detailed items in the itemized limit, and n, m belongs to Z. Z is an integer set. N means that the quota can only be used if both conditions are met. And U means that if a condition is satisfied, the unit can be used.

The above formula shows that the using scene A of the total amount transaction of the fund transaction amount is the using scene S of the amount of each sub-amount _i And (4) summing. And the specific detailed quota scene in each divisional quota is jointly limited by the product type P and the service deadline M, namely P _m ∩M _m . Therefore, the using scene of the quota of each divisional quota is the sum of the scenes of the detailed quota of the divisional quota.

For ease of understanding, the description is made herein by way of example: assuming that the available amount of the total transaction A of the fund transaction amount is 1 hundred million, the sub-amount S corresponding to the transaction service is invested ₁ The available product types and the service time limit of the itemized quota are foreign exchanges (one year), the available quota is 6 million, and the itemized quota S corresponding to the transaction service is invested ₂ The available amount of the itemized amount is 5 million, wherein the available product types and the service time limit of the itemized amount are commodities (five years).

If the business involved in the investment and transaction business is foreign exchange (one year) 4 million, determining that the itemized quota S is met ₁ The use condition of the amount of (1). If the business involved in the investment and transaction business is foreign exchange (two years)4 million, then determine that the itemized quota S is not satisfied ₁ The use condition of the amount of (1). If the business involved in the investment and transaction business is foreigner (one year), then the business is determined not to meet the itemized quota S ₁ The use condition of the amount of (1).

If the related business in the investment and transaction business is commodity (five years) of 3 million, determining that the itemized quota S is met ₂ The amount of (2) using condition. If the business involved in the investment and transaction business is 3 million (one decade), determining that the itemized quota S is not satisfied ₂ The use condition of the amount of (1). If the business involved in the investment and transaction business is a commodity (five years) of 7 million, determining that the itemized quota S is not met ₂ The use condition of the amount of (1).

Optionally, in the embodiment of the present disclosure, matrix-type free combination may be performed on each data in the limit control related data, a plurality of permutation and combination results are obtained, and the available limit amount under each permutation and combination result is determined, so that a limit usage scenario is expanded, and flexibility of limit management and control is enhanced.

If the available credit amount of a certain transaction is jointly determined by a plurality of credit use conditions, the binary scene needs to be expanded to multiple elements, and the credit use scene is defined in an intersection form.

At this time, the available credit calculation formula is not changed, S _i The calculation formula is as follows:

wherein y is the number of control conditions used by the quota.

After the using condition of the quota is met, the investment and transaction business can carry out transaction only if the quota using condition is met. The quota sufficiency condition is used for indicating whether the available quota of the investment and transaction service meets the condition or not.

The calculation formula of the amount LA of the available fund transaction amount is as follows:

L _A ＝min(a,s)

the above set can also be expressed as n x _i Line y _j A matrix of columns, where i ∈ [1, n ]]，j∈[1,m]。

The form is as follows:

wherein, each matrix represents a division line, and each row vector in the matrix represents a detail of the division line.

Thus, the number of rows x _n The number of the clear items of the nth division line is represented, and the number of the clear items of the first division line is x ₁ And so on. C _i The condition value of the ith division quota. Column number y represents the total number of optional letter terms for each matrix, and the letter terms include: term, credit agency, credit product, etc. Each element of the matrix represents an available scene value for the letter. For example: the term is within 3 months and the product is limited to foreign exchange transactions. The transaction element fill-in specifications are shown in table 5.

The i matrixes jointly form all available credit utilization scenes corresponding to one transaction.

The reason why the credit consumption scenes are distributed to the i-piece quota is that part of scenes can be used in series. Therefore, one matrix corresponds to all scenes which can share the quota, and the quota available amount corresponding to the matrix represents the total amount which can be used in series. In this regard, the following matrix of credit amounts available is obtained:

the following equation can be obtained:

one matrix represents a sub-line, and s represents the amount of the available credit line of the sub-line. Each element of the matrix represents the amount of the available credit line of the credit condition, the line number represents the number of the detailed items of each sub-line, and the column number represents the total condition number. If not, the credit is 0.

Then the available quota calculation formula is the same as above, specifically:

L _A ＝min(a,s)

the formula shows that the available fund transaction amount of any legal person main body is the minimum value of the available amount a corresponding to the full-amount transaction of the fund transaction amount and the available amount s corresponding to the detailed amount scene of all the divisional amounts. The available amount of the line corresponding to the detail line scene of each divisional line is the available amount s of the line _i And the minimum value in the available sum p of the quota corresponding to the specific detailed quota.

For ease of understanding, the description is made herein by way of example: the available amount of the total amount of the bank fund transaction amount can be 2 hundred million, and the sub-amount S ₁ The available product types and service periods of the itemized limit are the available sum s of the foreign exchange (one year) and the commodity (five years) ₁ Can be 1 hundred million, divided into lines S ₂ The available product types and service periods of the itemized lines are the available sum s of foreign exchange (one year) and interest rate (ten years) ₂ Can be 2 hundred million, then

May be 6000 million foreign exchanges (one year),

can be a commodity (five years) of 5000 ten thousand,

can be foreign exchange (one year) 6The number of the counter electrodes is 000 ten thousand,

it may be of interest (yearly) 2 billion.

In order to ensure the perfection of the method execution process scene and the accuracy of judgment, various situations of input investment and field values of transaction services need to be considered, and corresponding return results need to be designed. Note that whether or not a field value is a null value should be discriminated and processed, and a classification condition and a control condition should be discriminated.

The transaction field processing rules set in the embodiment of the present disclosure are shown in table 5, and include fields for classification conditions, such as transaction opponents, account book names, start dates, and due dates. The element is not a mandatory item in the transaction, and the processing rule with the null field value:

TABLE 5

The set rules for checking the itemized quota are shown in table 6, and if any field is not matched with the control condition, the returned result is that the transaction fails, and the transaction cannot be committed. For the classified fields, the field check order needs to be determined according to the information gain. Wherein, the classification condition is the option, and the control condition is the indispensable item.

TABLE 6

The exemption means that if the classification condition is not met, the information is not in a preset limit control range and can be directly released. For ease of understanding, the description is made herein by way of example: in conjunction with tables 5 and 6, for the classification conditions, assume that the transaction element is ChinaHong KongAnd (4) separating lines, if the separated lines are not filled, the matching result of the transaction element is not filled, the verification result is passed, and the next step is carried out. If the classification conditions of all the transaction elements are passed, finally determining the investment and transactionAnd managing and controlling a scene of the quota corresponding to the service. Suppose the trading element is ChinaHong KongAnd (4) line division, if the limiting condition in the line division limit is the head office, the matching result of the transaction element is mismatching, the verification result is exemption, and under the condition that the matching result of any transaction element in the classification condition is exemption, the line division limit is determined not to be matched with the investment and the transaction service, namely the service is not in the line division limit control range.

Wherein, a plurality of limit joint check rules are set in the preset branch limit joint check condition. The multiple quota combination check rule can be shown in table 7.

TABLE 7

In the decision tree designed in the embodiment of the disclosure, if the investment and the transaction services are matched and verified on the preset classification conditions, the product group, the latest due date of the services, the single service term, the available amount of the itemized quota and the available amount of the detail of each item in the investment and transaction services are jointly verified based on the quota control conditions.

The embodiment of the disclosure determines the transaction available amount by utilizing the itemized amount available amount and the detail available amount, compares the transaction available amount with the amount of the transaction to be occupied, determines that the amount available amount is insufficient if the transaction available amount is smaller than the amount of the transaction to be occupied, and determines that the amount available amount is sufficient if the transaction available amount is not smaller than the amount of the transaction to be occupied.

The method for checking the investment and transaction business limit provided by the embodiment of the disclosure can be applied to an investment and transaction business limit control platform of a bank, realizes the check of the investment and transaction business limit through a credit management component and a corresponding limit component in the platform, and returns a limit check result prompt corresponding to a financial department.

For the joint verification, the embodiment of the disclosure can remove the duplicate of the credit verification result prompt triggered by each item of the investment and transaction service and then return the credit verification result prompt to the financial department.

The method for checking the credit of the investment and transaction business can obtain scene classification related data and credit control related data of the investment and transaction business; determining a limit control scene corresponding to the investment and transaction business by using scene classification associated data; and matching and checking the limit control associated data by using the limit control condition matched with the limit control scene to obtain a limit checking result corresponding to the investment and transaction service. The method and the system realize management and control differentiation of the credit management and control by determining the credit management and control scene and the credit control condition corresponding to the investment and transaction business, and solve the credit verification problem of the investment and transaction business under various management and control scenes.

Although the operations are depicted in a particular order, this should not be understood as requiring that such operations be performed in the particular order shown or in sequential order. Under certain circumstances, multitasking and parallel processing may be advantageous.

It should be understood that the various steps recited in the method embodiments of the present disclosure may be performed in a different order, and/or performed in parallel. Moreover, method embodiments may include additional steps and/or omit performing the illustrated steps. The scope of the present disclosure is not limited in this respect.

Corresponding to the above method embodiment, the embodiment of the present disclosure further provides an investment and transaction credit checking device, whose structure is shown in fig. 5, including: the system comprises an investment and transaction service data obtaining unit 100, a credit management scene determining unit 200 and a credit verification result obtaining unit 300.

The investment and transaction data obtaining unit 100 is used for obtaining scene classification related data and quota control related data of the investment and transaction.

And a credit management and control scenario determination unit 200, configured to determine a credit management and control scenario corresponding to the investment and the transaction service by using the scenario classification related data.

The credit check result obtaining unit 300 is configured to perform matching check on the credit control associated data by using a credit control condition matched with the credit control scenario, so as to obtain a credit check result corresponding to the investment and the transaction service.

Optionally, the scene classification associated data includes a legal body of the investment and transaction business, a transaction opponent, a credit type, a business organization, an account book type and a credit due date.

Optionally, the credit control associated data includes product type of investment and transaction service, transaction expiration date, service term and credit available amount.

Optionally, the credit management and control scenario determining unit 200 is specifically configured to perform matching verification on each data in the scene classification related data according to a preset classification condition, and determine a credit management and control scenario corresponding to the investment and the transaction service according to a matching result when each data in the scene classification related data is matched.

Optionally, the apparatus further comprises: and a limit checking flow ending unit.

And the limit checking process ending unit is used for determining that the investment and transaction services exceed a preset limit control range under the condition that the matching checking is carried out on each data in the scene classification associated data according to the preset classification conditions and any data in the scene classification associated data is not matched, and ending the limit checking process of the investment and transaction services.

Optionally, the preset classification condition includes a check sequence set for each data in the scene classification related data.

Optionally, the quota management and control scenario determining unit 200 is specifically configured to perform matching verification on each data in the scenario classification related data in sequence according to a verification sequence, where the verification sequence is related to the magnitude of the information gain of each data.

Optionally, the credit check result obtaining unit 300 may be specifically configured to, when the credit control scenario matches a striped credit, perform matching check on the credit control associated data according to the striped credit by using a first credit control condition matching with the credit control scenario, and obtain a first credit check result corresponding to the investment and the transaction service, where the first credit control condition includes a first credit use condition and a first credit sufficiency condition, and the first credit check result includes a first check result corresponding to the first credit use condition and a second check result corresponding to the first credit sufficiency condition.

Optionally, the quota verifying result obtaining unit 300 may be specifically configured to, under the condition that the quota controlling scene is matched with multiple divisional quotas, perform matching verification on quota control associated data according to the divisional quotas respectively by using second quota control conditions matched with the quota controlling scene, and obtain a quota matching verifying result corresponding to each divisional quota respectively, where the second quota control conditions include second quota using conditions and second quota sufficiency conditions, and the quota matching verifying result includes a third verifying result corresponding to the second quota using conditions and a fourth verifying result corresponding to the second quota sufficiency conditions; and carrying out limit combined matching verification on each strip matching verification result based on a preset strip limit combined verification condition to obtain a second limit verification result corresponding to the investment and the transaction service.

The device for checking the credit of the investment and transaction business can obtain scene classification related data and credit control related data of the investment and transaction business; determining a quota control scene corresponding to the investment and transaction business by using the scene classification associated data; and matching and checking the limit control associated data by using the limit control condition matched with the limit control scene to obtain a limit checking result corresponding to the investment and transaction service. The method and the system realize management and control differentiation of the credit management and control by determining the credit management and control scene and the credit control condition corresponding to the investment and transaction business, and solve the credit verification problem of the investment and transaction business under various management and control scenes.

With regard to the apparatus in the above-described embodiment, the specific manner in which each unit performs the operation has been described in detail in the embodiment related to the method, and will not be described in detail here.

The investment and transaction credit checking device comprises a processor and a memory, wherein the investment and transaction data obtaining unit 100, the credit management and control scene determining unit 200, the credit checking result obtaining unit 300 and the like are stored in the memory as program units, and the processor executes the program units stored in the memory to realize corresponding functions.

The processor comprises a kernel, and the kernel calls the corresponding program unit from the memory. The kernel can be set to be one or more than one, and the management and control division of the limit management and control is realized by determining the limit management and control scene and the limit control condition corresponding to the investment and the transaction service by adjusting the kernel parameters, so that the limit verification problem of the investment and the transaction service under various management and control scenes is solved.

The embodiment of the disclosure provides a computer-readable storage medium, on which a program is stored, and the program is executed by a processor to implement the method for checking the credit of investment and transaction services.

The embodiment of the disclosure provides a processor, wherein the processor is used for running a program, and the method for checking the investment and transaction business amount is executed when the program runs.

The embodiment of the disclosure provides an electronic device, which comprises at least one processor, at least one memory connected with the processor, and a bus; the processor and the memory complete mutual communication through a bus; the processor is used for calling the program instructions in the memory to execute the investment and transaction credit check method. The electronic device herein may be a server, a PC, a PAD, a mobile phone, etc.

The present disclosure also provides a computer program product adapted to execute a program that, when executed on an electronic device, initializes the steps of a method for checking investment and trade credit.

The present disclosure is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus, electronic devices (systems), and computer program products according to embodiments of the disclosure. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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 apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, an electronic device includes one or more processors (CPUs), memory, and a bus. The electronic device may also include input/output interfaces, network interfaces, and the like.

The memory may include volatile memory in a computer readable medium, random Access Memory (RAM) and/or nonvolatile memory such as Read Only Memory (ROM) or flash memory (flash RAM), and the memory includes at least one memory chip. The memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

In the description of the present disclosure, it is to be understood that the directions or positional relationships indicated as referring to the terms "upper", "lower", "front", "rear", "left" and "right", etc., are based on the directions or positional relationships shown in the drawings, and are only for convenience of describing the present invention and simplifying the description, but do not indicate or imply that the positions or elements referred to must have specific directions, be constituted and operated in specific directions, and thus, are not to be construed as limitations of the present disclosure.

It should be noted that, in this document, relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrases "comprising a," "8230," "8230," or "comprising" does not exclude the presence of additional identical elements in the process, method, article, or apparatus comprising the element.

As will be appreciated by one skilled in the art, embodiments of the present disclosure may be provided as a method, system, or computer program product. Accordingly, the present disclosure may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present disclosure 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 so forth) having computer-usable program code embodied therein.

The above are merely examples of the present disclosure, and are not intended to limit the present disclosure. Various modifications and variations of this disclosure will occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present disclosure should be included in the scope of the claims of the present disclosure.

Claims

1. A method for checking the credit of investment and transaction services is characterized by comprising the following steps:

acquiring scene classification related data and limit control related data of investment and transaction services;

2. The method of claim 1, wherein the scenario classification associated data comprises legal subjects, trading opponents, credit types, business institutions, book types, and credit due dates of the investment and trading business.

3. The method of claim 1, wherein the credit control association data includes a product category, a transaction expiration date, a transaction duration, and a credit available amount of the investment and transaction service.

4. The method of claim 1, wherein the determining, using the scenario classification correlation data, a quota management scenario corresponding to the investment and transaction service comprises:

5. The method of claim 4, further comprising:

and matching and checking each data in the scene classification associated data according to the preset classification condition, determining that the investment and transaction business exceeds the preset limit control range under the condition that any data in the scene classification associated data is not matched, and ending the limit checking process of the investment and transaction business.

6. The method according to claim 4, wherein the preset classification condition includes a verification order set for each data in the scene classification related data, and performing matching verification for each data in the scene classification related data according to the preset classification condition includes:

and performing matching check on each data in the scene classification related data in sequence according to the check sequence, wherein the check sequence is related to the information gain of each data.

7. The method of claim 1, wherein the performing a matching check on the data associated with credit control using the credit control condition matched with the credit control scenario to obtain a credit check result corresponding to the investment and transaction services comprises:

8. The method of claim 1, wherein the performing a matching check on the data associated with credit control using the credit control condition matched with the credit control scenario to obtain a credit check result corresponding to the investment and transaction services comprises:

9. An investment and transaction credit verification device, comprising: an investment and transaction service data obtaining unit, a quota management and control scene determining unit and a quota verifying result obtaining unit,

10. An electronic device comprising at least one processor, and at least one memory, bus connected to the processor; the processor and the memory complete mutual communication through the bus; the processor is configured to call program instructions in the memory to perform the method of checking investment and transaction credits according to any one of claims 1 to 8.