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Credit limit processing method and apparatus

A technology of credit limit and processing method, which is applied in the field of data processing and can solve problems such as low utilization rate of data

Inactive Publication Date: 2018-03-13
PING AN TECH (SHENZHEN) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0004] Based on this, it is necessary to provide a credit limit processing method and device for the problem of low data utilization rate

Method used

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  • Credit limit processing method and apparatus
  • Credit limit processing method and apparatus
  • Credit limit processing method and apparatus

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Embodiment Construction

[0060] In order to make the object, technical solution and advantages of the present invention clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0061] figure 1 It is an application environment diagram of the credit line processing method in an embodiment. refer to figure 1, the credit limit processing method is applied to the credit limit processing system. The credit limit processing system includes a terminal 110, a credit limit management server 120 and a data storage server 130, wherein the credit limit management server 120 is respectively connected to the terminal 110 and the data storage server 130 through a network. The terminal 110 may be a fixed terminal or a mobile terminal, and the mobile terminal may specifically be at leas...

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Abstract

The invention relates to a credit limit processing method and apparatus. The method comprises the steps of obtaining a credit limit adjustment request; extracting a data type and data obtaining authorization information in the credit limit adjustment request; according to the data obtaining authorization information, querying data from a data storage server corresponding to the data type; obtaining user information matched with the data obtaining authorization information; according to the user information, verifying the queried data; and if the verification is passed, adjusting a credit limitcorresponding to the user information according to the queried data. According to the credit limit processing method and apparatus, when the credit limit needs to be adjusted, the data can be queriedaccording to the data type and the data obtaining authorization information in the credit limit adjustment request; the credit limit is adjusted according to the queried data; and the credit limit can be adjusted according to the data corresponding to various data types when needing to be adjusted, so that the utilization rate of the data corresponding to the data types is increased.

Description

technical field [0001] The invention relates to the technical field of data processing, in particular to a credit line processing method and device. Background technique [0002] With the development of Internet technology, more and more data can be obtained through the Internet, and data acquisition is very convenient. However, a lot of data is stored in corresponding servers, occupying a large amount of storage space, and these data are not fully utilized. [0003] In financial services, the user's credit limit is usually calculated based on the funds in the user's account or the behavior data of the user's use of the bank card. When the user needs to adjust the credit limit, if the funds or behavior data under the user account have not changed, the credit limit adjustment will fail. At the same time, the credit limit cannot be adjusted according to data corresponding to other data types, so that the utilization rate of data corresponding to other data types is relativel...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40H04L29/06
CPCG06Q20/403H04L63/12
Inventor 侯丽杨祎
Owner PING AN TECH (SHENZHEN) CO LTD