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A method and system for setting a transaction limit

A limit and quota technology, applied in the field of data analysis, can solve problems such as increasing bank risk losses and affecting bank profitability

Active Publication Date: 2022-07-12
BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

When setting the transfer amount and withdrawal amount, if the transfer amount and withdrawal amount are too low, it will affect the profit of the bank
If the transfer amount and withdrawal amount are too high, the risk loss of the bank will be increased in the event of bank card fraud

Method used

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  • A method and system for setting a transaction limit
  • A method and system for setting a transaction limit

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Embodiment Construction

[0036] The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, but not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

[0037] In this application, the terms "comprising", "comprising" or any other variation thereof are intended to encompass a non-exclusive inclusion such that a process, method, article or device comprising a list of elements includes not only those elements, but also no Other elements expressly listed, or which are also inherent to such a process, method, article or apparatus. Without further limitation, an element qualified by the ph...

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Abstract

The invention provides a method and system for setting a transaction limit. The method comprises the following steps: obtaining a limit set of a bank outlet; inputting the limit set into a profit forecasting model for profit forecasting to obtain a profit forecast set; inputting the limit set into a loss forecasting model for loss forecasting , to obtain the loss forecast set; based on the profit forecast set and the loss forecast set, determine the optimal limit of the bank branch. In this scheme, a set of quotas containing a number of different quotas is preset, and a profit forecast set is obtained by using a profit forecast model to predict the profit of different quotas. The loss prediction set is obtained by using the loss prediction model to predict the loss of different quotas. According to the set of profit forecasts and loss forecasts obtained from the forecast, the optimal limit of bank outlets is determined to ensure the bank's profit and avoid increasing risk losses.

Description

technical field [0001] The invention relates to the technical field of data analysis, in particular to a method and system for setting a transaction limit. Background technique [0002] With the development of banks, self-service deposit and withdrawal machines can be seen everywhere in daily life, providing customers with more convenient and fast deposit and withdrawal services. When a customer uses an ATM, the ATM may swallow the card for various reasons. [0003] In order to ensure the customer's experience after swallowing the card, the self-service deposit and withdrawal machine provides the customer with services within a certain range of authority, such as: providing the customer with a transfer service with a certain transfer amount and a certain withdrawal amount. Withdrawal service. When setting the transfer limit and withdrawal limit, if the transfer limit and withdrawal limit are too low, it will affect the profitability of the bank. If the transfer limit and ...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q10/04G06Q40/02
CPCG06Q10/04G06Q40/02
Inventor 黄文强季蕴青张懂胡玮易念胡传杰浮晨琪胡路苹黄雅楠李蚌蚌申亚坤王畅畅徐晨敏
Owner BANK OF CHINA
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