WO2018166350A1 - Method and system for controlling transaction amount, terminal device, and medium - Google Patents

Abstract

A method and system for controlling transaction amount, a terminal device, and a medium, applicable to the technical field of information processing. The method comprises: a client terminal receives product purchase information input by a user and sends the product purchase information to a server, the product purchase information comprising a user ID, a product ID, and a purchase quantity (S10); the server receives the product purchase information, determines a corresponding limit coefficient according to the user ID, determines a corresponding limit base according to the product ID, and determines a limit quantity on the basis of the product of the limit base and the limit coefficient (S20); the server determines whether the purchase quantity is within the limit quantity, if the purchase quantity is within the limit quantity, completes the transaction on the basis of the product purchase information, and if the purchase quantity is not within the limit quantity, sends excess prompt information to the client terminal (S30); the client terminal receives and displays the excess prompt information (S40). By means of the solution, the transaction amount of a limit product corresponding to a purchase product ID of each user is accurately controlled, and the transaction market is effectively monitored.

Description

Trading amount control method, system, terminal device and medium

This application claims the priority of the Chinese Patent Application, filed on March 14, 2017, the disclosure of which is hereby incorporated by reference.

Technical field

The present application belongs to the field of information processing technology, and in particular, to a transaction amount control method, system, terminal device and medium.

Background technique

At present, financial institutions impose limit trading on scarce limited products such as precious metals or rare metals to avoid the large sales volume of scarce limited products such as precious metals or rare metals, which affects the normal operation of the market. The existing transaction quota control system can only control the sales volume of the institution on the day without exceeding the preset amount, and cannot accurately control the transaction amount for each user to purchase the limited product.

technical problem

In view of this, the present application provides a transaction quota control method, system, terminal device and medium to solve the problem that the existing transaction quota control system cannot achieve precise control of the transaction amount for each user to purchase a limited product.

Technical solution

A first aspect of the embodiments of the present application provides a method for controlling a transaction amount, including:

The client terminal receives the subscription product information input by the user, and sends the subscription product information to the server; the subscription product information includes a user ID, a product ID, and a subscription quantity;

Receiving, by the server, the subscription product information, determining a corresponding quota coefficient according to the user ID, determining a corresponding quota base according to the product ID, and determining a quota quantity based on a product of the quota base and the quota coefficient;

The server determines whether the subscription quantity is within the quota quantity; if the subscription quantity is within the quota quantity, completing a transaction based on the subscription product information; if the subscription quantity is not within the quota quantity, then The client terminal sends an excess reminder message;

The client terminal receives and displays the excess reminder information.

A second aspect of the embodiments of the present application provides a transaction quota control system, including a client terminal and a server;

The client terminal is configured to receive subscription product information input by the user, and send the subscription product information to the server; the subscription product information includes a user ID, a product ID, and a subscription quantity;

The server is configured to receive the subscription product information, determine a corresponding quota coefficient according to the user ID, determine a corresponding quota base according to the product ID, and determine a limit quantity based on a product of the quota base and the quota coefficient ;

The server is further configured to determine whether the subscription quantity is within the quota quantity; if the subscription quantity is within the quota quantity, complete a transaction based on the subscription product information; if the subscription quantity is not in the Within the limit quantity, the excess reminder information is sent to the client terminal;

The client terminal is further configured to receive and display the excess reminder information.

A third aspect of the embodiments of the present application provides a terminal device, including a memory and a processor, where the computer stores computer readable instructions executable on the processor, the processor executing the computer The following steps are implemented when reading the instruction:

Receiving subscription product information uploaded by the client terminal, the subscription product information includes a user ID, a product ID, and a subscription quantity; the subscription product information is input by the user to the client terminal;

Determining a corresponding quota coefficient according to the user ID, determining a corresponding quota base according to the product ID, and determining a quota quantity based on a product of the quota base and the quota coefficient;

Determining whether the subscription quantity is within the quota quantity; if the subscription quantity is within the quota quantity, completing a transaction based on the subscription product information; if the subscription quantity is not within the quota quantity, then The client terminal sends the excess reminder information to cause the client terminal to display the excess reminder information.

A fourth aspect of the embodiments of the present application provides a computer readable storage medium storing computer readable instructions that, when executed by a processor, implement the following steps:

Receiving subscription product information uploaded by the client terminal, the subscription product information includes a user ID, a product ID, and a subscription quantity; the subscription product information is input by the user to the client terminal;

Determining a corresponding quota coefficient according to the user ID, determining a corresponding quota base according to the product ID, and determining a quota quantity based on a product of the quota base and the quota coefficient;

Determining whether the subscription quantity is within the quota quantity; if the subscription quantity is within the quota quantity, completing a transaction based on the subscription product information; if the subscription quantity is not within the quota quantity, then The client terminal sends the excess reminder information to cause the client terminal to display the excess reminder information.

Beneficial effect

In the embodiment of the present application, the user uploads the subscription product information to the server through the client terminal, and the server determines the quota coefficient based on the user ID for each subscription product information, and determines the quota base based on the product ID, and then determines the corresponding base based on the quota coefficient and the quota base. The number of quotas is used to accurately control the transaction amount of the limited product corresponding to the user subscription product ID corresponding to each user ID, so as to effectively monitor the trading market of the limited product corresponding to the product ID.

DRAWINGS

1 is a flow chart of a method for controlling a transaction amount in Embodiment 1 of the present application;

2 is a schematic block diagram of a transaction amount control system in Embodiment 2 of the present application;

FIG. 3 is a schematic diagram of a terminal device in Embodiment 3 of the present application.

Embodiments of the invention

In order to more clearly understand the technical features, objects and effects of the present application, the specific embodiments of the present application will be described in detail with reference to the accompanying drawings.

Example 1

Fig. 1 shows a transaction amount control method in this embodiment. The transaction quota control method can be applied to a transaction amount control system in a financial institution such as a bank or a securities, wherein the transaction quota control system is used for controlling the transaction amount of the limited product. As shown in FIG. 2, the transaction quota control system includes a client terminal 10 and a server 20, and the client terminal 10 and the server 20 are connected by a wireless network such as a WiFi network, a 3G network, or a 4G network, or a wired network. The client terminal 10 includes, but is not limited to, a smart terminal such as a computer, a smart phone, or a PAD. As shown in FIG. 1, the transaction quota control method includes the following steps:

S10: The client terminal 10 receives the subscription product information input by the user, and sends the subscription product information to the server 20; the subscription product information includes a user ID, a product ID, and a subscription quantity.

The user ID is used to uniquely identify the user who uploads the subscription product information, and may be the user's ID number or the user account registered by the user in the transaction quota control system. The product ID is an identifier for uniquely identifying the purchased product, and may be a product name (such as Ping An Bank stock) or a product code (such as Ping An Bank stock code [000001]). The number of purchases refers to the quantity and/or amount of products that the user wants to purchase.

S20: The server 20 receives the subscription product information, determines a corresponding quota coefficient according to the user ID, determines a corresponding quota base according to the product ID, and determines the quota amount based on the product of the quota base and the quota coefficient.

Among them, the quota base is related to the product ID, and may be determined by the metal institutions such as banks and securities companies when selling the relevant limited products according to the nature of the limited products (such as the degree of rarity or related policies). The quota factor is related to the user's credit information behavior, and the user credit behavior can be determined by the user's portrait data collected by the user in the relevant business process of the financial institution. The limit quantity is the product of the limit base and the limit factor, so that the limit quantity can be associated not only with the product ID but also with the user ID, so that the server 20 can accurately calculate the transaction amount of each user subscription limit product based on the limit quantity. control.

In a specific embodiment, the process for the server 20 to determine the corresponding quota coefficient according to the user ID includes the following steps:

S211: The server 20 queries the corresponding user portrait data according to the user ID, and the user portrait data includes at least one scoring indicator; the scoring indicators include annual income, legal age, bank flow, fixed telephone, housing status, working hours, credit history, or bank wealth management.

Specifically, the server 20 stores in advance user image data corresponding to the user ID, which is a tagged user model abstracted based on information such as user social attributes, living habits, and consumption behavior. For example, user A's user portrait data is as follows: annual income is 80,000, legal age is 30 years old, there are more than 3 banks running water, there are fixed-line units, long-term rental, working hours are 5 years, there are car records, there are 50,000 Short-term wealth management products.

S212: The server 20 acquires a single item score of each score indicator corresponding to the user portrait data, and calculates a total score value based on the single item score.

Specifically, when the server 20 receives the subscription product information, after obtaining the user portrait data according to the user ID, the server 20 separately queries each score indicator for the individual score of the corresponding score conversion table, and then adds all the individual scores to Get the total score value. Taking the annual income as an example, the corresponding score conversion table is as follows: the annual income is less than 30,000, and the individual score is 2 points; the annual income is between 30,000 and 50,000, and the individual score is 5; the annual income is 50001. Between -70000, the single item score is 9; the annual income is 7001-90000, and the single item score is 15 points; the annual income is between 90001-11000, and the single item score is 20 points; the annual income is 110,000. Above, the single item score is 25 points. User A's annual income is 80,000, and its corresponding score is 15 points. Similarly, the individual scores of other score indicators are obtained.

S213: The server 20 queries the score coefficient conversion table based on the total score value to obtain the quota coefficient.

Specifically, after calculating the total score value of the user portrait data corresponding to the user ID, the server 20 queries the score coefficient conversion table, and the score coefficient conversion table is used to reflect the conversion relationship between the total score value and the quota coefficient. In a specific embodiment, the score conversion table is as follows: the total score is 21-30, the limit coefficient is 0.4; the total score is 31-40, the limit coefficient is 0.6; the total score is 41-50, The limit coefficient is 0.8; the total score is 51-60, the limit coefficient is 1; the total score is 61-70, the limit coefficient is 1.2; the total score is 71-80, and the limit factor is 1.4; The value is 81-90, the limit coefficient is 1.6; the total score is between 90-100, and the limit coefficient is 1.8; after determining the total score value, according to the total score value in the interval where the score coefficient conversion table is located, The limit factor can be determined.

In a specific implementation, the process for the server 20 to determine the corresponding quota base based on the product ID includes the following steps:

S221: The server 20 determines, according to the product ID, a corresponding at least one limit item and a limit value of each limit item; the limit item includes a product quota, an institution quota, a transaction quota, a time quota, or a channel quota.

Wherein, the limit item corresponding to the product ID is determined by the nature of the limited product (such as the degree of rarity or related policies); the limit item determined according to the product ID may be in the product quota, the institutional quota, the transaction amount, the time quota, and the channel quota. Any one of them may also be any combination of at least two of a product quota, an institutional credit, a transaction credit, a time credit, and a channel credit. The product limit is the number of restricted transactions for a certain limited product. The institutional quota is the number of restricted transactions for any limited enterprise in any institution (such as banks, securities, and other financial institutions, including but not limited to head offices, branches, sub-branches, etc.). The transaction amount is the number of restricted transactions for a single transaction of a certain limited product. The time quota refers to the limit of the number of transactions in a certain limit product on a monthly, daily or other time basis. The channel quota refers to the limit of the number of transactions in each of the sales channels (such as web channels, APP channels).

S222: The server 20 uses the intersection of the limit values corresponding to the at least one limit item as the quota base.

Specifically, when receiving the purchase product information, the server 20 may determine a limit item corresponding to the corresponding limit product and a limit value of each limit item according to the product ID; if only one limit item is corresponding, the limit value of the limit item is As the number of limit periods (equivalent to the intersection of the empty sets formed by the limit values of other limit items), to achieve one-dimensional control of the trading amount of the limited products; if corresponding to at least two limit items, at least two limits The intersection of the project's limit values is used as the quota base to achieve multi-dimensional control of the trading amount of the limited products.

S30: The server 20 determines whether the subscription quantity is within the limit quantity; if the subscription quantity is within the limit quantity, the transaction is completed based on the subscription product information; if the subscription quantity is not within the limit quantity, the excess reminder information is sent to the client terminal 10.

Specifically, after the server 20 obtains the quota quantity determined based on the user ID and the product ID, it is determined whether the subscription quantity in the subscription product information is within the quota quantity. If the quantity of the purchase is within the limit quantity, the limited product corresponding to the product ID may be sold, and the transaction may be completed based on the purchased product information. If the subscription quantity is not within the quota amount, the excess reminder information is sent to the client terminal 10. The excess reminder information includes a quota quantity, which is associated with the product ID and the user ID, so that the customer knows the quantity of the limited product that the product ID can purchase.

S40: The client terminal 10 receives and displays the excess reminder information.

It can be understood that the excess reminder information displayed by the client terminal 10 can make the user corresponding to the user ID understand the limit quantity of the limited product corresponding to the product ID to determine whether to continue to purchase the limited product corresponding to the product ID.

In the transaction quota control method, the user uploads the subscription product information to the server 20 through the client terminal 10, and the server 20 determines the quota coefficient based on the user ID for each subscription product information, and determines the quota base based on the product ID, and then based on the quota coefficient and the quota. The product of the base number determines the corresponding limit quantity, thereby realizing the precise control of the transaction amount of the limit product corresponding to the user purchase product ID corresponding to each user ID, so as to realize effective monitoring of the trading market of the limited product corresponding to the product ID.

In a specific embodiment, the transaction amount control method further includes the following steps:

S50: The client terminal 10 receives the depreciation purchase information input by the user, and the depreciation purchase information includes a product ID and a deducted purchase quantity, and the deducted purchase quantity is less than or equal to the limit quantity.

It can be understood that the client terminal 10 displays the excess reminder information for reminding the user of the limit quantity of the limited product to be purchased, so that the customer decides whether to continue to purchase the limited product corresponding to the product ID. If the user still wants to purchase the limited product within the limit quantity after viewing the excess reminding information, the deducted purchase information may be uploaded to the server 20 through the client terminal 10.

S60: The server 20 determines whether the depreciation purchase information is received within the depreciation purchase time; if yes, the transaction is completed based on the depreciation purchase information; if not, the depreciation purchase information is used as the new subscription product information, according to the received subscription The order of product information is processed in the order of the purchased product information.

The depreciation subscription time is a time range preset by the organization user (for example, 1 min). If the user uploads the depreciation subscription information to the server 20 within the depreciation subscription time range, the server 20 preferentially processes the depreciation subscription information. It can be understood that the server 20 records the sending time of sending the excess reminder information, and obtains the receiving time of receiving the deducted subscription information, and determines whether the receiving time is within the derating time from the sending time; if yes, the priority is based on the The purchase information is completed to complete the transaction; if not, the depreciation purchase information is regarded as the new purchase product information, and the same as the other purchase product information uploaded by the client terminal 10, according to the order of receiving the received product information, the order is determined. The order of processing the purchased product information is completed in succession.

In this embodiment, the server 20 determines a sequence of processing the plurality of subscription product information based on the received time of the received subscription product information, and if the number of subscriptions in the processed product information exceeds the corresponding quota amount, The client terminal 10 transmits an excess reminder message. After the user views the excess reminder information through the client terminal 10, the deducted purchase information can be uploaded to the server 20 through the client terminal 10. If the server 20 receives the depreciation subscription information within the depreciation subscription time, the transaction may be completed based on the derating purchase information, so as to change the subscription quantity opportunity for the user who first uploads the purchase product information, and improve the user satisfaction with the service of the organization. . If the server 20 does not receive the depreciation subscription information within the deducted purchase time, the derating purchase information is processed as the new subscription product information, thereby avoiding the waiting time being too long and affecting the service satisfaction of other users to the organization.

In a specific embodiment, the transaction amount control method further includes the following steps:

S70: The client terminal 10 receives the quota information input by the organization user, and uploads the quota information to the server 20; the quota information is associated with the organization user ID, and the quota information includes a product ID, a limit item, and a quota value.

In this embodiment, the organization user ID is used to uniquely identify the organization user, and may be the ID number of the organization user or the work number of the organization user. Institutional users are management users who provide scarce limited product trading platforms such as precious metals or rare metals. As can be appreciated, the institutional user can upload quota information to the server 20 through the client terminal 10, each quota information being associated with the institution user ID to determine an institutional user who is to upload the quota information. When uploading the quota information, the organization user may upload at least one quota item corresponding to the quota product corresponding to each product ID and a quota value corresponding to each quota item to the server 20, so that the server 20 receives the upload from the client terminal 10. After the product information is purchased, the corresponding quota base can be determined based on the quota information.

S80: The server 20 receives the quota information, and determines whether there is a quota setting authority based on the organization user ID; if yes, the quota information is stored in the quota information table.

It is to be understood that, after receiving the quota information, the server 20 first determines whether the organization user has the quota setting authority, so as to determine whether the quota information uploaded by the organization user corresponding to the organization user ID is stored in the quota information table, so that the server 20 is based on the server 20 The quota information table processes the subscription product information uploaded by each user based on the corresponding quota information. Further, if the organization user ID does not have the quota setting authority, the server 20 sends a non-authorization notification to the client terminal 10 to remind the organization user to upload the quota information using other institution user IDs having the quota setting authority. It can be understood that the organization user can also set the derating time to the server 20 through the client terminal 10 to control the time when the server 20 receives the depreciation subscription information.

Example 2

Fig. 2 is a block diagram showing the principle of the transaction amount control system in this embodiment. The transaction quota control system can be applied to financial institutions such as banks and securities companies for controlling the amount of transactions of the limited products. The transaction quota control system includes a client terminal 10 and a server 20, and the client terminal 10 and the server 20 are connected by a wireless network such as a WiFi network, a 3G network, or a 4G network, or a wired network. The client terminal 10 includes, but is not limited to, a smart terminal such as a computer, a smart phone, or a PAD.

The client terminal 10 is configured to receive subscription product information input by the user, and send the subscription product information to the server 20; the subscription product information includes a user ID, a product ID, and a subscription quantity.

The server 20 is configured to receive subscription product information, determine a corresponding quota coefficient according to the user ID, determine a corresponding quota base according to the product ID, and determine a quota amount based on a product of the quota base and the quota coefficient.

The server 20 is further configured to determine whether the subscription quantity is within the limit quantity; if the subscription quantity is within the limit quantity, the transaction is completed based on the subscription product information; if the subscription quantity is not within the limit quantity, the excess reminder information is sent to the client terminal 10.

The client terminal 10 is further configured to receive and display the excess reminder information.

Preferably, the server 20 is specifically configured to:

The corresponding user portrait data is queried according to the user ID, and the user portrait data includes at least one scoring indicator; the scoring indicators include annual income, legal age, bank flow, fixed telephone, housing status, working hours, credit history, or bank wealth management;

Obtaining a single item score of each score indicator corresponding to the user portrait data, and calculating a total score value based on the single item score;

The score coefficient conversion table is queried based on the total score value to obtain the quota coefficient.

Preferably, the server 20 is specifically configured to:

Determining at least one limit item and a limit value of each limit item according to the product ID; the limit item includes a product quota, an institution quota, a transaction amount, a time quota or a channel quota;

The intersection of the limit values corresponding to at least one limit item is used as the limit base.

Preferably, the client terminal 10 is further configured to receive quota information input by the organization user, and upload the quota information to the server 20; the quota information is associated with the organization user ID, and the quota information includes a product ID, a quota item, and a quota value;

The server 20 is further configured to receive the quota information, determine whether the quota setting authority is based on the organization user ID, and if yes, store the quota information in the quota information table.

Preferably, the excess reminder information includes a limit amount;

The client terminal 10 is further configured to receive the depreciation purchase information input by the user, where the depreciation purchase information includes a product ID and a deducted purchase quantity, and the deducted purchase quantity is less than or equal to the limit quantity.

The server 20 is further configured to determine whether the deductible purchase information is received within the depreciation purchase time; if yes, the transaction is completed based on the depreciation purchase information; if not, the depreciation purchase information is used as the new purchase product information, according to the receipt The order product information is processed in the order of purchase of product information.

Example 3

FIG. 3 is a schematic diagram of a terminal device according to an embodiment of the present application. As shown in FIG. 3, the terminal device 3 of this embodiment includes a processor 30 and a memory 31 in which computer readable instructions 32, such as a transaction amount control program, executable on the processor 30 are stored. . When the processor 30 executes the computer readable instructions 32, the steps in the foregoing embodiments of the respective transaction amount control methods are implemented, such as steps S10 to S60 shown in FIG. Alternatively, when the processor 30 executes the computer readable instructions 32, the functions of the server in the above-described system embodiment are implemented, such as the functions of the server 20 shown in FIG.

Illustratively, the computer readable instructions 32 may be partitioned into one or more modules/units that are stored in the memory 31 and executed by the processor 30, To complete this application. The one or more modules/units may be a series of computer readable instruction segments capable of performing a particular function, the instruction segments being used to describe the execution of the computer readable instructions 32 in the terminal device 3.

The terminal device may include, but is not limited to, the processor 30 and the memory 31. It will be understood by those skilled in the art that FIG. 3 is merely an example of the terminal device 3, does not constitute a limitation of the terminal device 3, may include more or less components than those illustrated, or combine some components, or different components. For example, the terminal device may further include an input/output device, a network access device, a bus, and the like.

The so-called processor 30 can be a central processing unit (Central Processing Unit, CPU), can also be other general-purpose processors, digital signal processors (DSP), application specific integrated circuits (Application Specific Integrated Circuit (ASIC), Field-Programmable Gate Array (FPGA) or other programmable logic device, discrete gate or transistor logic device, discrete hardware components, etc. The general purpose processor may be a microprocessor or the processor or any conventional processor or the like.

The memory 31 may be an internal storage unit of the terminal device 3, such as a hard disk or a memory of the terminal device 3. The memory 31 may also be an external storage device of the terminal device 3, for example, a plug-in hard disk provided on the terminal device 3, a smart memory card (SMC), and a secure digital (SD). Card, flash card, etc. Further, the memory 31 may also include both an internal storage unit of the terminal device 3 and an external storage device. The memory 31 is configured to store the computer readable instructions and other programs and data required by the terminal device. The memory 31 can also be used to temporarily store data that has been output or is about to be output.

In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above integrated unit can be implemented in the form of hardware or in the form of a software functional unit.

The integrated unit, if implemented in the form of a software functional unit and sold or used as a standalone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application, in essence or the contribution to the prior art, or all or part of the technical solution may be embodied in the form of a software product stored in a storage medium. A number of instructions are included to cause a computer device (which may be a personal computer, server, or network device, etc.) to perform all or part of the steps of the methods described in various embodiments of the present application. The foregoing storage medium includes: a U disk, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk, or an optical disk, and the like, which can store program codes. .

The above embodiments are only used to explain the technical solutions of the present application, and are not limited thereto; although the present application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that they can still The technical solutions described in the embodiments are modified, or the equivalents of the technical features are replaced by the equivalents. The modifications and substitutions of the embodiments do not depart from the spirit and scope of the technical solutions of the embodiments of the present application.

Claims (20)

A method for controlling a transaction amount, characterized in that it comprises: The client terminal receives the subscription product information input by the user, and sends the subscription product information to the server; the subscription product information includes a user ID, a product ID, and a subscription quantity; Receiving, by the server, the subscription product information, determining a corresponding quota coefficient according to the user ID, determining a corresponding quota base according to the product ID, and determining a quota quantity based on a product of the quota base and the quota coefficient; The server determines whether the subscription quantity is within the quota quantity; if the subscription quantity is within the quota quantity, completing a transaction based on the subscription product information; if the subscription quantity is not within the quota quantity, then The client terminal sends an excess reminder message; The client terminal receives and displays the excess reminder information. The method for controlling a transaction amount according to claim 1, wherein the determining the corresponding quota coefficient according to the user ID comprises: Querying corresponding user portrait data according to the user ID, the user portrait data includes at least one rating indicator; the rating indicators include annual income, legal age, bank flow, landline, housing status, working time, credit history, or bank Financial management; Obtaining a single item score of each score indicator corresponding to the user portrait data, and calculating a total score value based on the single item score; The score coefficient conversion table is queried based on the total score value, and the quota coefficient is obtained. The method for controlling a transaction amount according to claim 1, wherein the determining the corresponding quota base according to the product ID comprises: Determining a corresponding at least one limit item and a limit value of each limit item according to the product ID; the limit item includes a product quota, an institution quota, a transaction quota, a time quota, or a channel quota; The intersection of the limit values corresponding to the at least one limit item is taken as the quota base. The method for controlling a transaction amount according to claim 1, further comprising: Receiving, by the client terminal, quota information input by an organization user, and uploading the quota information to the server; the quota information is associated with an organization user ID, and the quota information includes a product ID, a limit item, and a quota value; The server receives the quota information, and determines whether there is a quota setting authority based on the organization user ID; if yes, the quota information is stored in the quota information table. The transaction amount control method according to claim 1, wherein the excess reminder information includes a limit amount; The transaction amount control method further includes the following steps: The customer terminal receives the depreciation subscription information input by the user, where the depreciation subscription information includes a product ID and a deducted purchase quantity, and the deducted purchase quantity is less than or equal to the limit quantity; The server determines whether the depreciation subscription information is received within the depreciation subscription time; if yes, completing the transaction based on the depreciation subscription information; if not, the depreciation subscription information is used as a new location The purchase product information is processed, and the purchased product information is processed according to the order in which the purchased product information is received. A transaction quota control system, comprising: a client terminal and a server; The client terminal is configured to receive subscription product information input by the user, and send the subscription product information to the server; the subscription product information includes a user ID, a product ID, and a subscription quantity; The server is configured to receive the subscription product information, determine a corresponding quota coefficient according to the user ID, determine a corresponding quota base according to the product ID, and determine a limit quantity based on a product of the quota base and the quota coefficient ; The server is further configured to determine whether the subscription quantity is within the quota quantity; if the subscription quantity is within the quota quantity, complete a transaction based on the subscription product information; if the subscription quantity is not in the Within the limit quantity, the excess reminder information is sent to the client terminal; The client terminal is further configured to receive and display the excess reminder information. The transaction quota control system according to claim 6, wherein the determining the corresponding quota coefficient according to the user ID comprises: Querying corresponding user portrait data according to the user ID, the user portrait data includes at least one rating indicator; the rating indicators include annual income, legal age, bank flow, landline, housing status, working time, credit history, or bank Financial management; Obtaining a single item score of each score indicator corresponding to the user portrait data, and calculating a total score value based on the single item score; The score coefficient conversion table is queried based on the total score value, and the quota coefficient is obtained. The transaction quota control system according to claim 6, wherein the determining the corresponding quota base according to the product ID comprises: Determining a corresponding at least one limit item and a limit value of each limit item according to the product ID; the limit item includes a product quota, an institution quota, a transaction quota, a time quota, or a channel quota; The intersection of the limit values corresponding to the at least one limit item is taken as the quota base. The transaction quota control system according to claim 6, wherein the client terminal is further configured to receive quota information input by an organization user, and upload the quota information to the server; the quota information and the mechanism The user ID is associated, and the quota information includes a product ID, a limit item, and a limit value; The server is further configured to receive the quota information, determine, according to the organization user ID, whether there is a quota setting authority; if yes, store the quota information in the quota information table. The transaction amount control system according to claim 6, wherein the excess reminder information includes the limit amount; The client terminal is further configured to receive depreciation subscription information input by the user, where the depreciation subscription information includes a product ID and a deducted subscription quantity, where the deducted subscription quantity is less than or equal to the quota quantity; The server is further configured to determine whether the depreciation subscription information is received within the depreciation subscription time; if yes, completing the transaction based on the derating purchase information; if not, the derating purchase information is As the new subscription product information, the subscription product information is processed according to the order in which the purchased product information is received. A terminal device, comprising: a memory and a processor, wherein the memory stores computer readable instructions executable on the processor, and the processor implements the following steps when the computer readable instructions are executed : Receiving subscription product information uploaded by the client terminal, the subscription product information includes a user ID, a product ID, and a subscription quantity; the subscription product information is input by the user to the client terminal; Determining a corresponding quota coefficient according to the user ID, determining a corresponding quota base according to the product ID, and determining a quota quantity based on a product of the quota base and the quota coefficient; Determining whether the subscription quantity is within the quota quantity; if the subscription quantity is within the quota quantity, completing a transaction based on the subscription product information; if the subscription quantity is not within the quota quantity, then The client terminal sends the excess reminder information to cause the client terminal to display the excess reminder information. The terminal device according to claim 11, wherein the determining the corresponding quota coefficient according to the user ID comprises: Querying corresponding user portrait data according to the user ID, the user portrait data includes at least one rating indicator; the rating indicators include annual income, legal age, bank flow, landline, housing status, working time, credit history, or bank Financial management; Obtaining a single item score of each score indicator corresponding to the user portrait data, and calculating a total score value based on the single item score; The score coefficient conversion table is queried based on the total score value, and the quota coefficient is obtained. The terminal device according to claim 11, wherein the determining the corresponding quota base according to the product ID comprises: Determining a corresponding at least one limit item and a limit value of each limit item according to the product ID; the limit item includes a product quota, an institution quota, a transaction quota, a time quota, or a channel quota; The intersection of the limit values corresponding to the at least one limit item is taken as the quota base. The terminal device according to claim 11, wherein when the processor executes the computer readable instructions, the following steps are further implemented: Receiving quota information uploaded by the client terminal, the quota information is input by the organization user to the client terminal; the quota information is associated with an organization user ID, and the quota information includes a product ID, a quota item, and a quota value; Determining whether there is a quota setting authority based on the institution user ID; if yes, storing the quota information in the quota information table. The terminal device according to claim 11, wherein the excess reminder information includes the number of quotas; and when the processor executes the computer readable instructions, the following steps are further implemented: Determining whether the depreciation purchase information uploaded by the client terminal is received during the depreciation purchase time; the depreciation subscription information is input by the user to the client terminal; and the derating purchase information includes a product ID and a deducted purchase quantity The deducted purchase quantity is less than or equal to the limit quantity; If the deducted purchase information uploaded by the client terminal is received within the deducted purchase time, the transaction is completed based on the derating purchase information; if the deducted purchase of the client terminal is not received within the deductible purchase time The information is used as the new purchase product information, and the purchase product information is processed according to the order in which the purchase product information is received. A computer readable storage medium storing computer readable instructions, wherein the computer readable instructions, when executed by at least one processor, implement the following steps: Receiving subscription product information uploaded by the client terminal, the subscription product information includes a user ID, a product ID, and a subscription quantity; the subscription product information is input by the user to the client terminal; Determining a corresponding quota coefficient according to the user ID, determining a corresponding quota base according to the product ID, and determining a quota quantity based on a product of the quota base and the quota coefficient; Determining whether the subscription quantity is within the quota quantity; if the subscription quantity is within the quota quantity, completing a transaction based on the subscription product information; if the subscription quantity is not within the quota quantity, then The client terminal sends the excess reminder information to cause the client terminal to display the excess reminder information. The computer readable storage medium according to claim 16, wherein the determining the corresponding quota coefficient according to the user ID comprises: Querying corresponding user portrait data according to the user ID, the user portrait data includes at least one rating indicator; the rating indicators include annual income, legal age, bank flow, landline, housing status, working time, credit history, or bank Financial management; Obtaining a single item score of each score indicator corresponding to the user portrait data, and calculating a total score value based on the single item score; The score coefficient conversion table is queried based on the total score value, and the quota coefficient is obtained. The computer readable storage medium according to claim 16, wherein the determining the corresponding quota base according to the product ID comprises: Determining a corresponding at least one limit item and a limit value of each limit item according to the product ID; the limit item includes a product quota, an institution quota, a transaction quota, a time quota, or a channel quota; The intersection of the limit values corresponding to the at least one limit item is taken as the quota base. The computer readable storage medium according to claim 16, wherein when said processor executes said computer readable instructions, the following steps are further implemented: Receiving service processing information uploaded by the service terminal, forming service state change information based on the service processing information, and transmitting the service state change information to the service terminal corresponding to the first user ID and the next service processing link Processing the service terminal corresponding to the user ID, so that the service terminal displays the service status change information; wherein the service status change information includes a service ID, a processing user ID of a next service processing link, and a next service processing link. a preset deadline; the service basic information is input by the processing operator to the service terminal. The computer readable storage medium according to claim 16, wherein the excess reminder information includes the quota amount; and when the processor executes the computer readable instructions, further implementing the following steps: Determining whether the depreciation purchase information uploaded by the client terminal is received during the depreciation purchase time; the depreciation subscription information is input by the user to the client terminal; and the derating purchase information includes a product ID and a deducted purchase quantity The deducted purchase quantity is less than or equal to the limit quantity; If the deducted purchase information uploaded by the client terminal is received within the deducted purchase time, the transaction is completed based on the derating purchase information; if the deducted purchase of the client terminal is not received within the deductible purchase time The information is used as the new purchase product information, and the purchase product information is processed according to the order in which the purchase product information is received.