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Transaction limit determination method and device

A technology for determining methods and quotas, applied in the field of data processing, which can solve problems such as poor scalability and maintenance, and difficulty in adapting to quota control.

Pending Publication Date: 2020-06-09
BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The scalability and maintainability of this method are poor, and it is difficult to adapt to the current quota control

Method used

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  • Transaction limit determination method and device

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Embodiment Construction

[0027] Embodiments of the present application are described below in conjunction with the accompanying drawings.

[0028] For quota determination, related technologies have poor scalability and maintainability, making it difficult to adapt to current quota control. For example, a transaction type covers multiple transaction scenarios. For example, the cash withdrawal transaction type includes ATM cash withdrawal and domestic counter cash withdrawal. For example, if the control of the domestic counter cash withdrawal limit is added, it is necessary to consider modifying the code. If the transaction is the smallest dimension to control the limit, it is necessary to consider adding a limit type or special treatment for the transaction in the program, especially the core banking system functions are driven by transactions, and increasing the limit in the transaction dimension is more in line with the requirements of branches, supervision and control limits need.

[0029] In addit...

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Abstract

The embodiment of the invention discloses a transaction limit determination method and device, and the mode of limit determination based on a transaction scene is a universal and extensible limit datastructure design, so that a newly added limit can completely run in a parameter configuration mode, and bank limit supervision of financial transactions is quickly responded. And a limit accumulationscene is arranged by taking transaction as a unit, so that banks can finely and accurately control the limit, and the financial safety of customers is ensured.

Description

technical field [0001] The present application relates to the field of data processing, in particular to a method and device for determining a transaction limit. Background technique [0002] In the rapid development of the information age, the financial environment has become increasingly complex. With more and more bank debit card financial transaction scenarios and card use channels, financial supervision and risk control have become more stringent. How to ensure the financial security of customers? Under such circumstances, it is very important to respond quickly to financial regulations and customer customized financial service needs. [0003] Related technologies provide a limit mechanism, which pre-binds transactions and transaction types. For each transaction, the transaction type corresponding to the transaction is used as the basis for determining the limit. The transaction types can be, for example, inquiries, withdrawals, deposits, Consumption, transfer, return,...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40G06Q20/38
CPCG06Q20/405G06Q20/382
Inventor 马祥峰袁帅国庄滨滨谢炜琪
Owner BANK OF CHINA
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