Transfer quota sharing method and device
A quota and similarity technology, applied in the financial field, can solve problems such as inability to transfer money in time, poor user experience, etc.
Pending Publication Date: 2022-01-14
BANK OF CHINA
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However, when a large amount of money is required to be transferred due to a special event, due to the limitation of the transfer amount, even if there is sufficient funds in the account, it may still be impossible to transfer the money in time, resulting in poor user experience
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[0023] The following will clearly and completely describe the technical solutions in the embodiments of the application with reference to the drawings in the embodiments of the application. Apparently, the described embodiments are only some of the embodiments of the application, not all of them. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the scope of protection of this application.
[0024] In the description of this application, unless otherwise specified, " / this means "or", for example, A / B can mean A or B. "And / or" in this article is only a kind of association describing associated objects Relationship, which means that there can be three kinds of relationships, for example, A and / or B, can mean: A alone exists, A and B exist simultaneously, and B exists alone. In addition, "at least one" means one or more , "Multiple" refers to two or more. Words such as "fi...
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The invention discloses a transfer quota sharing method and device, relates to the field of finance, helps to realize that a target user is not limited by a transfer quota under the condition of sufficient funds, achieves transfer in time and improves user experience. The method comprises the following steps: when the transfer quota of a target user is insufficient, sending a transfer quota sharing request to a family member account of the target user; and determining a target family member from the family members agreeing to share the transfer quota based on the similarity with the first information of the target user and the to-be-applied sharing quota of the target user, wherein the first information is used for characterizing property conditions and / or consumption conditions, and the target family member is a family member which provides shared transfer quota for the target user at this time; increasing the transfer quota of the target user based on the sharing quota provided by the target family member; and transferring according to the increased transfer quota of the target user.
Description
technical field [0001] The present application relates to the financial field, and in particular to a transfer quota sharing method and device. Background technique [0002] At present, when users use mobile bank transfers, online bank transfers or offline transfers, there is a daily transfer limit. Under normal circumstances, the daily transfer limit is sufficient to support daily use. However, when a large amount of money is required to be transferred due to a special event, due to the limitation of the transfer amount, even if there is sufficient funds in the account, it may still be impossible to transfer the money in time, resulting in poor user experience. Contents of the invention [0003] This application provides a transfer quota sharing method and device. When the transfer quota of the target user is insufficient, the family members of the target user are requested to share the transfer quota, so as to temporarily increase the transfer quota of the target user, s...
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IPC IPC(8): G06Q20/10G06Q40/02G06N7/00
CPCG06Q20/102G06Q20/108G06Q40/02G06N7/01
Inventor 刘倩
Owner BANK OF CHINA