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Dynamic credit limit management method and system based on relation tree

A credit line and dynamic management technology, applied in data processing applications, instruments, finance, etc., can solve the problems of simple line combination, single line system, business line scene support, etc., to save explanation time, high execution efficiency, and enhanced safety effect

Active Publication Date: 2020-11-20
北京江融信科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] With the increase of credit card application scenarios and the popularization of credit payment, there are more and more credit limit systems for users. Different users will be given different types of credit combinations when using different credit products, and the credit limits are also different. There will be a variety of combined usage methods such as sharing, occupation, substitution, inclusion, and exclusion. When the user repays the loan and does not meet the full repayment, it is necessary to restore different types of credits in order according to the business design; while the current existing The credit card core system has the problems of single quota system, simple quota combination method, unable to meet complex quota combination and quota calculation functions, and unable to support complex business quota scenarios

Method used

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  • Dynamic credit limit management method and system based on relation tree
  • Dynamic credit limit management method and system based on relation tree
  • Dynamic credit limit management method and system based on relation tree

Examples

Experimental program
Comparison scheme
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Embodiment 1

[0053] figure 1 A schematic flowchart of a method for dynamic management of credit limit based on a relationship tree provided by an embodiment of the present invention, the method for occupying and restoring credit card limit includes the following steps:

[0054] S100: Configure an application rule set, and create a corresponding management and control unit for each application rule in the application rule set, and each management and control unit is preset with its own inspection rule set;

[0055] The application rules of the management and control unit are divided by transaction categories, and each category contains a rule set formed by several rules. Based on different transaction scenarios, the application rule set formed by the combination of multiple application rules is shown in Table 2.

[0056] Table 1 Application rule sets for different transaction scenarios

[0057] application rules priority control unit Application Rules for Authorized Cons...

Embodiment 2

[0106] Figure 9 A schematic structural diagram of a rule engine-based credit card limit occupancy and recovery system provided for an embodiment of the present invention, including an initialization module, a relationship tree generation module, a conversion module, a rule matching module, a control unit and an update module,

[0107] The initialization module is used to configure the application rule set, and create a corresponding control unit for each application rule in the application rule set, and each control unit is preset with its own check rule set;

[0108] The relationship tree generation module is used to generate credit line grouping and credit order based on business scenario configuration, and automatically generate a credit line relationship tree based on the user's current credit line information, current matching credit line grouping logic, and credit order logic;

[0109] The conversion module is used to convert user transaction message information into a ...

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PUM

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Abstract

The invention discloses a dynamic credit limit management method based on a relation tree. The method comprises the following steps: configuring an application rule set and creating a corresponding management and control unit for each application rule in the application rule set; configuring credit limit groups and a credit use sequence based on the service logic, and automatically generating a credit limit relationship tree; receiving user transaction message information to generate a rule factor set; matching the rule factor set with each application rule in the application rule set in sequence; if a certain application rule is hit, calling a management and control unit corresponding to the application rule; matchig the rule factor set with a preset inspection rule set via the managementand control unit, wherein only when all inspection rules in the inspection rule set are successfully matched, the management and control unit calculates and adjusts the credit limit occupied by eachcredit limit node in the limit tree according to the limit relationship tree. According to the method, complex limit combination and calculation functions can be met, and complex business limit scenescan be supported. The invention further discloses a credit limit dynamic management system based on the relation tree.

Description

technical field [0001] The invention relates to the technical field of credit card core transaction systems, in particular to a method and system for dynamic management of credit limit based on a relationship tree. Background technique [0002] At present, the credit card core system is mainly based on foreign large-scale mainframes and closed-source independent systems, and is built on the basis of existing foreign credit card systems. The existing credit card system is written in COBOL language, and its system architecture and system design are completed and run on IBM mainframes. The database adopts DB2 database, which is a completely closed commercial system. The code of the completely closed commercial system is not open to customers, and the implementation logic is opaque. Customers cannot do secondary transformation and customized development, and cannot know the implementation details in the system. The security and reliability of the system can only rely on the comm...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 袁兴宇
Owner 北京江融信科技有限公司