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Transfer quota setting method and device

A limit and preset technology, applied in the field of data processing, can solve problems such as subjectivity, inapplicable user fund status, inapplicable user fund status, etc., to achieve the effect of ensuring fund security

Pending Publication Date: 2021-07-16
BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] At present, in order to ensure the safety of funds, users will set the transfer limit of the fund account. However, in general, it is the transfer limit set randomly by the user. However, as the user's funds change, the initial fund limit set by the user may not apply to the user's current account. state of funds
Moreover, the transfer limit used for setting is also very subjective and may not be applicable to the user's current financial situation

Method used

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  • Transfer quota setting method and device
  • Transfer quota setting method and device
  • Transfer quota setting method and device

Examples

Experimental program
Comparison scheme
Effect test

Embodiment approach 1

[0073] If the second transfer limit is less than a preset security limit, setting the user's transfer limit as the second transfer limit;

[0074] If the second transfer limit is greater than the preset security limit, the user's transfer limit is set as the preset security transfer limit.

[0075] In this embodiment, based on the consideration of the user's transfer security and current financial status, if the predicted second transfer limit of the user is less than the preset security limit, then in order to further protect the user's security and adapt to the user's financial status, you can Set the user's transfer limit as the second transfer limit.

[0076] Wherein, if the predicted second transfer limit of the user is greater than the preset safety limit, then in order to further protect the safety of the user, the user's transfer limit may be set as the safety limit.

[0077] In addition, Embodiment 1 also includes:

[0078] If the second transfer limit is greater th...

Embodiment approach 2

[0081] If the second transfer limit is less than a preset security limit, setting the user's transfer limit as the second transfer limit;

[0082] If the predicted third transfer limit is greater than the preset security limit, send a first reminder message to the user;

[0083] In response to the first target transfer limit selected by the user, the transfer limit is set as the first target transfer limit.

[0084] Among them, in the case of not only ensuring the security of the user's account, but also ensuring that the current transfer limit can meet the user's current financial situation, if the predicted second transfer limit is less than the preset security limit, then it can be considered that the predicted second The transfer limit is more in line with the current actual situation of the user, therefore, the predicted second transfer limit is set as the user's transfer limit. However, if the predicted second transfer limit is greater than the preset security limit, th...

Embodiment approach 3

[0086] If the predicted second transfer limit is less than the preset security limit, send a second reminder message to the user;

[0087] In response to the second target transfer limit selected by the user, set the transfer limit as the second target transfer limit;

[0088] If the predicted second transfer limit is greater than the preset security limit, send a third reminder message to the user;

[0089] In response to the third target transfer limit selected by the user, the transfer limit is set as the third target transfer limit.

[0090] Wherein, the second target transfer limit is any one of the second transfer limit or the security limit.

[0091] Wherein, the third target transfer limit is any one of the second transfer limit or the security limit.

[0092] It can be seen that in this embodiment, regardless of the relationship between the predicted transfer limit and the security limit, a reminder is sent to the user, and the transfer limit is set in combination w...

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Abstract

The invention discloses a transfer quota setting method and device, and the method comprises the steps: obtaining the historical data of a plurality of target impact factors from the account information of different users as a training sample, training a limit analysis model with the purpose that the output result of the limit analysis model to the training sample is close to a standard transfer quota, and analyzing the transfer quota of the user according to the data of the plurality of current target influence factors of the user through a pre-trained quota analysis model. Therefore, the transfer quota conforming to the actual condition of the user can be analyzed through the pre-trained quota analysis model, and the transfer quota of the user is updated according to the relationship between the predicted second transfer quota of the user and the preset safety quota, so that the fund safety of the user is further guaranteed.

Description

technical field [0001] The invention relates to the field of data processing, in particular to a method and device for setting a transfer limit. Background technique [0002] At present, in order to ensure the safety of funds, users will set the transfer limit of the fund account. However, in general, it is the transfer limit set randomly by the user. However, as the user's funds change, the initial fund limit set by the user may not apply to the user's current account. status of funds. Moreover, the transfer limit used for setting is also highly subjective and may not be applicable to the user's current financial situation. Therefore, there is an urgent need for a mechanism that can analyze the user's fund limit in the current state. Contents of the invention [0003] In view of this, the embodiments of the present invention provide a method and device for setting a transfer limit, which realizes intelligent setting of a user's transfer limit while ensuring the safety o...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/04G06Q10/06G06Q20/10G06K9/62G06N20/00
CPCG06Q10/04G06Q10/067G06Q20/10G06N20/00G06F18/214
Inventor 宗宇丁锐李婷
Owner BANK OF CHINA