Credit limit updating method, device, equipment and computer readable storage medium

Abstract

The present invention discloses a method for updating a credit limit, including: obtaining the node number and credit limit parameter of each node of a credit limit tree, and generating a credit limit two-dimensional table corresponding to the credit limit tree based on the node number and credit limit parameter, wherein each node of the credit limit tree changes in cascade, and each cell of the credit limit two-dimensional table corresponds to a node of the credit limit tree; if it is detected that the first credit limit parameter of the first cell changes, then based on the first credit limit parameter, the second credit limit parameter of the first table row where the first cell is located in the credit limit two-dimensional table is updated; based on the second credit limit parameter, the third credit limit parameter of the second cell is updated, wherein the second cell is the cell corresponding to the leaf node in the credit limit tree except the leaf node whose credit limit parameter changes in the credit limit tree in the credit limit two-dimensional table. The present invention also discloses a credit limit updating device, equipment and computer-readable storage medium. The present invention converts the credit limit tree into a credit limit two-dimensional table for credit limit update, simplifies the update process and improves the update efficiency.

Description

Technical Field

[0001] The present invention relates to the technical field of financial technology (Fintech), and in particular to a credit limit updating method, device, equipment and computer-readable storage medium. Background Art

[0002] In recent years, with the continuous development of financial technology (Fintech), especially Internet finance, data update technology has been introduced into the daily services of banks and other financial institutions. In the daily service process of banks and other financial institutions, in order to measure the credit of customers in various financial products, and in order to take into account the repayment ability of customers and avoid post-loan risks, they usually grant customers a certain credit limit (i.e., credit) for each financial product based on the customer's credit information, such as repayment status, such as 300,000 car loans and 200,000 consumer loans. These credit limits constitute the credit limit tree held by customers in financial institutions in the form of a tree. Traditional banks use a top-down credit granting method for customer credit, that is, first there is a top-level credit limit, and then it is split into various sub-levels step by step. The existing Internet and private banks use a bottom-up credit granting method, which first grants a sub-credit limit to the customer, and then calculates all the upper parent credit limits. Therefore, when the lower-level credit limit changes, how to synchronously update the upper-level credit limit is a technical problem that banks and other financial institutions need to solve.

[0003] In the prior art, since the customer's credit limit is a tree of credit limit structures in a tree structure, when the credit limit of a leaf node (a node in the credit limit tree that cannot be further split is a leaf node) changes, it is necessary to update its parent node and traverse the parent node of the parent node in a loop until there is no parent node. Then, other leaf nodes must be traversed and the parent nodes of other leaf nodes must be updated (following the rule that the child-level credit limit cannot be greater than the parent-level credit limit, therefore, it is necessary to compare and update the leaf node with the parent node credit limit to avoid the credit limit of some parent nodes being less than the credit limit of their child nodes after the first update mentioned above). It is also necessary to traverse the parent node of the parent node in a loop upwards to update the parent node.

[0004] That is, in the prior art, at least two traversals and recursions are required to update the changes in the customer's credit limit, resulting in redundant calculation logic and repeated calculations at many nodes, which results in the consumption of a large amount of database resources and low update efficiency. Summary of the invention

[0005] The main purpose of the present invention is to propose a credit limit updating method, device, equipment and computer-readable storage medium, aiming to achieve rapid credit limit updating.

[0006] To achieve the above object, the present invention provides a credit limit updating method, which includes the following steps:

[0007] Obtaining the node number and the quota parameter of each node of the quota tree, and generating a two-dimensional quota table corresponding to the quota tree based on the node number and the quota parameter, wherein each node of the quota tree changes in cascade, and each cell of the two-dimensional quota table corresponds to a node of the quota tree;

[0008] If it is detected that the first limit parameter of the first cell has changed, then based on the first limit parameter, the second limit parameter of the first table row where the first cell is located in the two-dimensional limit table is updated, wherein the first cell is the cell in the two-dimensional limit table corresponding to the leaf node in the limit tree whose limit parameter has changed;

[0009] Based on the second credit limit parameter, the third credit limit parameter of the second cell is updated, wherein the second cell is a cell in the credit limit two-dimensional table corresponding to a leaf node in the credit limit tree except for a leaf node whose credit limit parameter has changed.

[0010] Preferably, the step of generating a two-dimensional quota table corresponding to the quota tree based on the node number and the quota parameter includes:

[0011] Determine a quota chain corresponding to the quota tree based on the node number and the quota parameter;

[0012] The credit chain is used as a table row, and the table rows are aligned based on the node numbers, thereby generating a credit two-dimensional table.

[0013] Preferably, if it is detected that the first limit parameter of the first cell changes, the step of updating the second limit parameter of the first table row where the first cell is located in the limit two-dimensional table based on the first limit parameter includes:

[0014] If it is detected that the first quota parameter of the first cell has changed, determining the first table row where the first cell is located in the quota two-dimensional table, and determining a first update direction of the first table row;

[0015] Based on the first update direction and the first limit parameter of the first cell, the limit parameter of each cell in the first table row is updated in sequence, and the second limit parameter includes the limit parameter of each cell in the first table row.

[0016] Preferably, the step of updating the third limit parameter of the second table based on the second limit parameter comprises:

[0017] Determine a first table column corresponding to the first table row in the two-dimensional table of credit limits, and determine a first node number of the first table row and a second node number of the first table column;

[0018] Determine a third table in the first table column based on the first node number and the second node number;

[0019] Based on the second limit parameter, updating the fourth limit parameter of the third table;

[0020] Determine a second table row in the two-dimensional quota table where the second table is located, and determine a target quota parameter in the second table row based on the fourth quota parameter;

[0021] Based on the target limit parameter, updating the third limit parameter of the second table. The step of updating the third limit parameter of the second cell based on the second limit parameter includes:

[0022] Determine a first table column corresponding to the first table row in the two-dimensional table of credit limits, and determine a first node number of the first table row and a second node number of the first table column;

[0023] Determining a third cell in the first table column based on the first node number and the second node number;

[0024] Based on the second limit parameter, updating the fourth limit parameter of the third cell;

[0025] Determine a second table row in which the second cell is located in the two-dimensional credit limit table, and determine a target credit limit parameter in the second table row based on the fourth credit limit parameter;

[0026] Based on the target limit parameter, a third limit parameter of the second cell is updated.

[0027] Preferably, the step of determining the target limit parameter in the second table row based on the fourth limit parameter comprises:

[0028] Determine a second update direction corresponding to the second table row based on the position of the second cell in the second table row;

[0029] Based on the second update direction and the fourth amount parameter, the amount parameters of two adjacent cells are selected one by one in the second table row, and a target cell is determined among the two adjacent cells;

[0030] Determining a change trend corresponding to the first quota parameter, and determining an update standard corresponding to the change trend;

[0031] Using the amount parameters of the two adjacent cells that meet the update criteria as the update value of the target cell until the target cell is the second cell;

[0032] The updated value is set as the target amount parameter in the second table row.

[0033] Preferably, the step of updating the third quota parameter of the second cell based on the second quota parameter comprises:

[0034] Marking the timestamp of the second quota parameter as the latest timestamp;

[0035] Determine a second table row in which the second cell is located in the two-dimensional table of credit limits, and determine a second table column corresponding to the second table row;

[0036] Determining a target quota parameter for the second table row based on the second table column and the latest timestamp;

[0037] Based on the target limit parameter, a third limit parameter of the second cell is updated.

[0038] Preferably, the step of determining the target amount parameter of the second table row based on the second table column and the latest timestamp includes:

[0039] Determining in the second table column the target table column corresponding to each target cell in the second table row, and determining the latest amount parameter in each target table column based on the latest timestamp;

[0040] Determining a change trend corresponding to the first quota parameter, and determining an update standard corresponding to the change trend;

[0041] A target credit limit parameter satisfying the update standard is obtained from the latest credit limit parameter.

[0042] In addition, to achieve the above-mentioned purpose, the present invention further provides a credit limit updating device, the credit limit updating device comprising:

[0043] An acquisition generation module is used to obtain the node number and the quota parameter of each node of the quota tree, and generate a two-dimensional quota table corresponding to the quota tree based on the node number and the quota parameter, wherein each node of the quota tree changes in cascade, and each cell of the two-dimensional quota table corresponds to a node of the quota tree;

[0044] A detection and update module, configured to update, if a change is detected in a first quota parameter of a first cell, a second quota parameter of a first table row in the quota two-dimensional table where the first cell is located, based on the first quota parameter, wherein the first cell is a cell in the quota two-dimensional table corresponding to a leaf node in the quota tree whose quota parameter has changed;

[0045] The detection and update module is also used to update the third quota parameter of the second cell based on the second quota parameter, wherein the second cell is the cell in the quota two-dimensional table corresponding to the leaf nodes in the quota tree except the leaf nodes whose quota parameters have changed.

[0046] Preferably, the acquisition generation module is also used for:

[0047] Determine a quota chain corresponding to the quota tree based on the node number and the quota parameter;

[0048] The credit chain is used as a table row, and the table rows are aligned based on the node numbers, thereby generating a credit two-dimensional table.

[0049] Preferably, the detection and update module is also used for:

[0050] If it is detected that the first quota parameter of the first cell has changed, determining the first table row where the first cell is located in the quota two-dimensional table, and determining a first update direction of the first table row;

[0051] Based on the first update direction and the first limit parameter of the first cell, the limit parameter of each cell in the first table row is updated in sequence, and the second limit parameter includes the limit parameter of each cell in the first table row.

[0052] Preferably, the detection and update module is also used for:

[0053] Determine a first table column corresponding to the first table row in the two-dimensional table of credit limits, and determine a first node number of the first table row and a second node number of the first table column;

[0054] Determining a third cell in the first table column based on the first node number and the second node number;

[0055] Based on the second limit parameter, updating the fourth limit parameter of the third cell;

[0056] Determine a second table row in which the second cell is located in the two-dimensional credit limit table, and determine a target credit limit parameter in the second table row based on the fourth credit limit parameter;

[0057] Based on the target limit parameter, a third limit parameter of the second cell is updated.

[0058] Preferably, the detection and update module is also used for:

[0059] Determine a second update direction corresponding to the second table row based on the position of the second cell in the second table row;

[0060] Based on the second update direction and the fourth amount parameter, the amount parameters of two adjacent cells are selected one by one in the second table row, and a target cell is determined among the two adjacent cells;

[0061] Determining a change trend corresponding to the first quota parameter, and determining an update standard corresponding to the change trend;

[0062] Using the amount parameters of the two adjacent cells that meet the update criteria as the update value of the target cell until the target cell is the second cell;

[0063] The updated value is set as the target amount parameter in the second table row.

[0064] Preferably, the detection and update module is also used for:

[0065] Marking the timestamp of the second quota parameter as the latest timestamp;

[0066] Determine a second table row in which the second cell is located in the two-dimensional table of credit limits, and determine a second table column corresponding to the second table row;

[0067] Determining a target quota parameter for the second table row based on the second table column and the latest timestamp;

[0068] Based on the target limit parameter, a third limit parameter of the second cell is updated.

[0069] Preferably, the detection and update module is also used for:

[0070] Determining in the second table column the target table column corresponding to each target cell in the second table row, and determining the latest amount parameter in each target table column based on the latest timestamp;

[0071] Determining a change trend corresponding to the first quota parameter, and determining an update standard corresponding to the change trend;

[0072] A target credit limit parameter satisfying the update standard is obtained from the latest credit limit parameter.

[0073] In addition, to achieve the above-mentioned purpose, the present invention also provides a credit limit update device, which includes: a memory, a processor, and a credit limit update program stored in the memory and executable on the processor, and the credit limit update program implements the steps of the credit limit update method described above when executed by the processor.

[0074] In addition, to achieve the above-mentioned purpose, the present invention also provides a computer-readable storage medium, on which a credit limit update program is stored, and when the credit limit update program is executed by a processor, the steps of the credit limit update method described above are implemented.

[0075] The credit update method proposed by the present invention obtains the node number and credit parameter of each node of the credit tree, and generates a credit two-dimensional table corresponding to the credit tree based on the node number and the credit parameter, wherein each node of the credit tree changes in cascade, and each cell of the credit two-dimensional table corresponds to a node of the credit tree; if it is detected that the first credit parameter of the first cell changes, then based on the first credit parameter, the second credit parameter of the first table row where the first cell is located in the credit two-dimensional table is updated, wherein the first cell is the cell corresponding to the leaf node in the credit tree whose credit parameter changes in the credit tree in the credit two-dimensional table; based on the second credit parameter, the third credit parameter of the second cell is updated, wherein the second cell is the cell corresponding to the leaf node in the credit tree except the leaf node whose credit parameter changes in the credit tree in the credit two-dimensional table. The present invention converts the credit tree into a credit two-dimensional table for credit update, converts the credit update of the node into the update of the table data, does not need to traverse and recurse each node, simplifies the update process, and improves the update efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0076] Figure 1 It is a schematic diagram of the device structure of the hardware operating environment involved in the embodiment of the present invention;

[0077] Figure 2 This is a flow chart of the first embodiment of the credit limit updating method of the present invention;

[0078] Figure 3 A schematic diagram of a credit limit tree in the first embodiment of the credit limit updating method of the present invention;

[0079] Figure 4 A schematic diagram of a two-dimensional representation of the credit limit in the first embodiment of the credit limit updating method of the present invention;

[0080] Figure 5 It is a schematic diagram of the updating process of each cell of the two-dimensional credit limit table in the first embodiment of the credit limit updating method of the present invention;

[0081] Figure 6 Schematic diagram of the updating process of each cell of the two-dimensional credit limit table in the second embodiment of the credit limit updating method of the present invention.

[0082] The realization of the purpose, functional features and advantages of the present invention will be further explained in conjunction with embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0083] It should be understood that the specific embodiments described herein are only used to explain the present invention, and are not used to limit the present invention.

[0084] like Figure 1 As shown, Figure 1 It is a schematic diagram of the device structure of the hardware operating environment involved in the embodiment of the present invention.

[0085] The device in the embodiment of the present invention may be a mobile terminal or a server device.

[0086] like Figure 1 As shown, the device may include: a processor 1001, such as a CPU, a network interface 1004, a user interface 1003, a memory 1005, and a communication bus 1002. Among them, the communication bus 1002 is used to realize the connection and communication between these components. The user interface 1003 may include a display screen (Display), an input unit such as a keyboard (Keyboard), and the optional user interface 1003 may also include a standard wired interface and a wireless interface. The network interface 1004 may optionally include a standard wired interface and a wireless interface (such as a WI-FI interface). The memory 1005 may be a high-speed RAM memory, or it may be a stable memory (non-volatile memory), such as a disk memory. The memory 1005 may also be a storage device independent of the aforementioned processor 1001.

[0087] Those skilled in the art will understand that Figure 1 The device structure shown in the figure does not constitute a limitation of the device, and may include more or less components than shown in the figure, or combine certain components, or arrange the components differently.

[0088] like Figure 1 As shown, the memory 1005 as a computer storage medium may include an operating system, a network communication module, a user interface module, and a credit limit update program.

[0089] Among them, the operating system is a program that manages and controls the credit update device and software resources, and supports the operation of the network communication module, user interface module, credit update program and other programs or software; the network communication module is used to manage and control the network interface 1004; the user interface module is used to manage and control the user interface 1003.

[0090] exist Figure 1 In the credit limit updating device shown, the credit limit updating device calls the credit limit updating program stored in the memory 1005 through the processor 1001, and executes the operations in each embodiment of the credit limit updating method described below.

[0091] Based on the above hardware structure, an embodiment of the credit limit updating method of the present invention is proposed.

[0092] Reference Figure 2 , Figure 2 This is a flow chart of a first embodiment of a credit limit updating method of the present invention, the method comprising:

[0093] Step S10, obtaining the node number and the quota parameter of each node of the quota tree, and generating a two-dimensional quota table corresponding to the quota tree based on the node number and the quota parameter, wherein each node of the quota tree changes in cascade, and each cell of the two-dimensional quota table corresponds to a node of the quota tree;

[0094] Step S20, if it is detected that the first credit limit parameter of the first cell has changed, then based on the first credit limit parameter, the second credit limit parameter of the first table row where the first cell is located in the credit limit two-dimensional table is updated, wherein the first cell is the cell in the credit limit two-dimensional table corresponding to the leaf node in the credit limit tree whose credit limit parameter has changed;

[0095] Step S30, based on the second limit parameter, update the third limit parameter of the second cell, wherein the second cell is the cell corresponding to the leaf nodes in the limit tree except the leaf nodes whose limit parameters have changed in the limit two-dimensional table.

[0096] The credit limit updating method of this embodiment is applied to the credit limit updating device of financial institutions such as financial management institutions or banks. The credit limit updating device can be a terminal, a robot or a PC device, etc. For the convenience of description, the credit limit updating device is referred to as the updating device.

[0097] This embodiment is mainly aimed at bottom-up computing scenarios, refer to Figure 3, assuming that there is an existing quota tree, each node in the quota tree stores three types of quota parameters: total quota, occupied quota and available quota, and the total quota = occupied quota + available quota. Assuming that the occupied quota in the leaf node 3.1 changes and 100 is occupied, then according to the previous operation, the available quota of the current leaf node should be calculated first = total quota - occupied quota, that is, 3.1 available quota = 100-100 = 0, then, determine whether the leaf node has a parent node, if so, calculate the quota parameter of the parent node 2.1 of the leaf node, specifically update the occupied quota of the 2.1 node, and calculate and modify the available quota of the 2.1 node = 150-100 = 50, then determine whether the parent node 2.1 has a parent node, if so, calculate the quota parameter of the parent node 1.0 of the parent node 2.1, and traverse in this way until there is no parent node; then , traverse the other leaf nodes 3.2 and 2.2, and loop through the parent nodes of other leaf nodes, that is, loop through the parent node 2.1 of the leaf node 3.2, and the parent node 1.0 of the parent node 2.1 in turn. In each loop traversal process, compare the amount of the current node with the amount of the parent node of the current node, and take the minimum value as the update value. For example, in this example, compare the available amount of 100 of the current node 3.2 with the available amount of 50 (updated) of the parent node 2.1, and then update 50 as the update value to 3.2 until there is no parent node. This is because in the credit field, the amount of the child node cannot be greater than the amount of the parent node, and then loop through the parent node 1.0 of the leaf node 2.2. In each loop traversal process, compare the amount of the current node with the amount of the parent node of the current node, and take the minimum value as the update value, until there is no parent node. It can be seen that although storing the customer's credit status in a tree structure can save a certain amount of storage space, in the subsequent update process, at least two traversals and recursions are required, which results in a large amount of calculation and low update efficiency.

[0098] The updating device of this embodiment converts the original customer credit status in the form of a credit tree into a credit two-dimensional table in the form of a two-dimensional table, thereby solving the problem that there are multiple child nodes under one node in the credit tree, resulting in multiple traversals and recursions when updating the current node, resulting in low update efficiency. The node update in the credit tree is converted into a cell update in the two-dimensional table, which no longer requires multiple traversals and recursions, thereby improving the update efficiency.

[0099] The following is a detailed description of each step:

[0100] Step S10, obtaining the node number and the quota parameter of each node of the quota tree, and generating a two-dimensional quota table corresponding to the quota tree based on the node number and the quota parameter, wherein each node of the quota tree changes in a cascade manner, and each cell of the two-dimensional quota table corresponds to a node of the quota tree.

[0101] In this embodiment, the updating device first converts the original credit tree. During the conversion process, it is necessary to obtain the node number and credit parameter of each node in the credit tree. Then, according to the node number, each node in the credit tree is mapped to each cell of the credit two-dimensional table, and the credit parameter is filled in the corresponding cell to generate a credit two-dimensional table.

[0102] Among them, it needs to be explained that the credit tree includes leaf nodes and non-leaf nodes. Leaf nodes refer to the lowest nodes in the credit tree, that is, leaf nodes have no child nodes, and credit tree nodes other than leaf nodes are non-leaf nodes, and, among non-leaf nodes, the starting node of the credit tree is the root node. In actual applications, the use of credit by customers will cause the credit parameters of leaf nodes to change, thereby causing the credit parameters of other nodes in the credit tree to change, that is, leaf nodes represent nodes directly related to customer credit, while other nodes are indirectly related nodes that change due to changes in the current leaf nodes, that is, the nodes in the credit tree change in cascade, so whether the credit tree needs to be updated, it is only necessary to monitor whether the credit parameters of each leaf node have changed.

[0103] Further, in one embodiment, based on the node number and the quota parameter, the step of generating a two-dimensional quota table corresponding to the quota tree includes:

[0104] Step a1, determining the credit chain corresponding to the credit tree based on the node number and the credit parameter;

[0105] In one embodiment, in the process of generating the two-dimensional credit table, the updating device first assigns a node number to each node of the credit tree, and then determines the credit chain corresponding to the credit tree according to the node number of each node of the credit tree and the credit parameter of each node, wherein the credit chain refers to the node link composed of the leaf node and the root node, and the nodes between the leaf node and the root node in the credit tree, that is, there are as many credit chains as there are leaf nodes in the credit tree. It should be noted that the node number only needs to ensure that each node is unique.

[0106] In one embodiment, the root node can be used as the starting node number, and two-dimensional numbers can be used as the node numbers. The rules are as follows: Figure 3 As shown, the first digit of the two-dimensional number represents the level, and the second digit of the two-dimensional number represents the position of the level. The node number (nodeld) of the root node is 1.0 as the starting number, the node number of the second-level node starts with 2, and the node number of the third-level node starts with 3... and so on. After that, you only need to determine whether a certain node number has a lower-level node number to determine whether the node corresponding to the current node number is a leaf node, such as Figure 3As shown, node numbers 2.2, 3.1, and 3.2 have no subordinate node numbers, so their corresponding nodes are all leaf nodes. Figure 3 The credit tree shown has three credit chains, namely: 3.1: 1000, 0, 100 → 2.1: 150, 0, 150 → 1.0: 200, 0, 200; 3.2: 100, 0, 100 → 2.1: 150, 0, 150 → 1.0: 200, 0, 200; and 2.2: 150, 0, 150 → 1.0: 200, 0, 200. The numbers in the nodes are credit parameters, which can be one type of parameter, such as the total credit, or multiple types of parameters, such as the total credit, occupied credit and available credit. In this embodiment, the credit parameters include the total credit, occupied credit and available credit, which are arranged from left to right in the node, as shown in FIG. Figure 3 As shown in 3.1, the total limit of this node is 100, which refers to the maximum limit that the customer can use. It is a fixed value granted by the financial institution based on the customer's credit assessment; the occupied limit is 0, which refers to the limit that the customer has used; the available limit 100 = total limit 100 - occupied limit 0, which refers to the remaining limit that the customer can use. That is, each node in the limit tree will store the basic information of the node, including the node number and limit parameters.

[0107] In specific implementation, a change in the node's quota parameter means that the node's occupied quota changes, causing the node's available quota to also change.

[0108] Step a2: taking the credit limit chain as a table row, and aligning the table rows based on the node numbers, thereby generating a credit limit two-dimensional table.

[0109] In one embodiment, the updating device takes the credit chain as a table row, such as Figure 3 The credit tree shown in the figure has three credit chains, so three table rows can be obtained. Then, the table rows are aligned according to the node numbers to generate a credit two-dimensional table. Specifically, the cells with the same node numbers are aligned so that the nodes with the same node numbers are located in the same table column of the credit two-dimensional table. For example, Figure 4 As shown in the figure, since there are two identical node numbers 2.1 and 1.0 in the three table rows, 2.1 and 1.0 are used as reference points to align the table rows so that the third row is indented by one grid, thereby obtaining a two-dimensional quota table. In specific implementation, it can be as follows Figure 4 The right alignment shown can of course also be left alignment, that is, the cell corresponding to the root node is located at the far left, etc. In addition, in the process of generating a two-dimensional credit limit table, the credit limit chain can also be used as a table column to perform top alignment or bottom alignment, and a two-dimensional credit limit table can also be generated. This embodiment takes right alignment as an example for explanation.

[0110] Step S20, if it is detected that the first credit limit parameter of the first cell has changed, then based on the first credit limit parameter, the second credit limit parameter of the first table row where the first cell is located in the credit limit two-dimensional table is updated, wherein the first cell is the cell in the credit limit two-dimensional table corresponding to the leaf node in the credit limit tree whose credit limit parameter has changed.

[0111] In this embodiment, the update device monitors the changes of the cells corresponding to the leaf nodes in the credit tree in the credit two-dimensional table in real time. If the first credit parameter of the first cell is detected to have changed in the credit two-dimensional table, the second credit parameter of the first cell in the first table row in the credit two-dimensional table is updated according to the first credit parameter of the first cell, wherein the first cell refers to the cell corresponding to the leaf node in the credit tree whose credit parameter has changed in the credit two-dimensional table, that is, if the credit parameter of a cell in the credit two-dimensional table changes, the credit parameter of the cells in the entire row where the cell is located is updated, wherein, since the node where the credit parameter changes is a leaf node, the cell corresponding to it is located on the edge of the credit two-dimensional table (leftmost or rightmost or topmost or bottommost, etc.). The first table row where the first cell is located is the credit chain composed of the leaf node corresponding to the first cell and the parent node of the leaf node, therefore, the second credit parameter of the first table row where the first cell is located is updated first.

[0112] It should be noted that when the first credit limit parameter of the first cell changes, it may specifically be that the occupied credit limit in the first credit limit parameter changes. Therefore, it is necessary to calculate the available credit limit of the first cell based on the occupied credit limit, and complete the update of the first credit limit parameter of the first cell, so as to update the credit limit parameter of the table row where the first cell is located according to the first credit limit parameter. Of course, in one embodiment, the change in the first credit limit parameter may also be a change in the total credit limit, resulting in a change in the available credit limit, such as an increase in the credit limit. Therefore, it is necessary to calculate the available credit limit of the first cell based on the total credit limit, and complete the update of the first credit limit parameter of the first cell, so as to update the credit limit parameter of the table row where the first cell is located according to the first credit limit parameter. This embodiment is mainly explained based on the former scenario, that is, the occupied credit limit changes, causing the available credit limit of each node to change accordingly as the main application scenario.

[0113] Specifically, in one embodiment, step S20 includes:

[0114] Step b1, if it is detected that the first limit parameter of the first cell has changed, determining the first table row where the first cell is located in the limit two-dimensional table, and determining a first update direction of the first table row;

[0115] In one embodiment, if the update device detects a first cell whose credit limit parameter has changed, it determines the first table row where the first cell is located in the credit limit two-dimensional table, and determines the first update direction of the first table row. Specifically, it determines the position of the first cell in the first table row, and uses the position as the starting point to determine the first update direction of the first table row. If the first cell is located at the leftmost side of the first table row, the first update direction is from left to right; if the first cell is located at the rightmost side of the first table row, the first update direction is from right to left, and so on.

[0116] Step b2: based on the first update direction and the first limit parameter of the first cell, update the limit parameter of each cell in the first table row in sequence, wherein the second limit parameter includes the limit parameter of each cell in the first table row.

[0117] Next, according to the first update direction and the first limit parameter of the first cell, the limit parameters of each cell in the first table row are updated in sequence, wherein the second limit parameter is the limit parameter of each cell in the first table row except the first cell.

[0118] Specifically, based on the first update direction, according to the parent-child relationship between the current cell and the previous cell, the occupied amount of the previous cell is obtained, and the occupied amount is used as the occupied amount of the current cell, and according to the formula of total amount - occupied amount = available amount, the total amount of the current cell is obtained, and the available amount of the current cell is calculated, and the calculated available amount is used to update the original available amount of the current cell, thereby completing the update of the current cell's amount parameter. That is, the update of the current cell's amount parameter specifically updates the occupied amount and the available amount. Since the total amount is fixedly assigned based on the customer's credit, its value remains unchanged. Similarly, according to the first update direction, the amount parameters of each cell in the first table row are calculated and updated in turn.

[0119] Step S30, based on the second limit parameter, update the third limit parameter of the second cell, wherein the second cell is the cell corresponding to the leaf nodes in the limit tree except the leaf nodes whose limit parameters have changed in the limit two-dimensional table.

[0120] In this embodiment, the updating device updates the third credit parameter of the second cell according to the second credit parameter, wherein the second cell is the cell corresponding to the leaf node in the credit tree except the leaf node whose credit parameter has changed in the credit two-dimensional table, that is, when the credit parameter of a leaf node changes, in addition to causing the credit parameter of its parent node to change accordingly, at the same time, in order to ensure that the total credit and available credit in the credit parameter of the parent node are greater than the total credit and available credit in the credit parameter of the child node, it is necessary to modify and update the credit parameters of other leaf nodes accordingly, that is, the third credit parameter, such as Figure 5 As shown, the occupied credit limit of leaf node 3.1 becomes 100, and its available credit limit is the total credit limit 100-occupied credit limit 100=0, and the occupied credit limit of its parent node 2.1 will also be modified and updated to 100, and the available credit limit will be the total credit limit 150-occupied credit limit 100=50. At this time, the available credit limit of child node 3.2 of 2.1 is 100, which is obviously not in line with the daily risk management of financial institutions for customers. That is, there is a customer who borrows 100, but the actual assessed credit available credit limit is only 50, which makes the loan at risk of being unable to repay. Therefore, the available credit limit of leaf node 3.2 needs to be modified to be no greater than the available credit limit of its parent node 2.1, that is, 50.

[0121] That is, the update objects of the quota are mainly the leaf nodes that have been updated and changed, as well as other leaf nodes.

[0122] Further, in one embodiment, based on the second limit parameter, the step of updating the third limit parameter of the second cell includes:

[0123] Step c1, determining the first table column corresponding to the first cell row in the two-dimensional quota table, and determining the first node number of the first table row and the second node number of the first table column;

[0124] In one embodiment, the updating device first determines the first table column corresponding to the first table row in the two-dimensional quota table, and further determines the first node number of the first table row, such as Figure 5 As shown in the figure, if the amount parameter of node 3.1 changes, the first row where it is located is the first table row, and the first node numbers of the first table row are 3.1, 2.1 and 1.0, and the second node number of the first table column is determined, such as Figure 5 As shown, the first table column corresponding to the first table row includes 3.1 and 3.2 as one column; 2.1, 2.1 and 2.2 as one column; 1.0, 1.0 and 1.0 as one column, for a total of three columns.

[0125] Step c2, determining a third cell in the first table column based on the first node number and the second node number;

[0126] Next, according to the first node number and the second node number, the third cell in the first table column is determined. Specifically, the cell with the same first node number as the first table row in the second node number is the third cell, such as Figure 5 As shown, 2.1 in the second row is the same number as 2.1 in the first table row, and 1.0 in the second and third rows are the same number as 1.0 in the first table row. Therefore, the cell corresponding to the node numbers 2.1 and 1.0 in the second row and 1.0 in the two-dimensional table of credit limits is the third cell.

[0127] Step c3, based on the second limit parameter, updating the fourth limit parameter of the third cell;

[0128] Next, according to the second quota parameter, the fourth quota parameter of the third cell is updated, that is, the quota parameter of the third cell is modified to a value consistent with the second quota parameter. Specifically, the quota parameters of the cells with the same node number are modified to consistent values. It should be noted that the third cell is a cell corresponding to a non-leaf node, that is, the third cell is a cell corresponding to the parent node of a certain cell. Therefore, it is necessary to unify the values ​​of the cells corresponding to the parent node.

[0129] Step c4, determining the second table row in which the second cell is located in the two-dimensional credit limit table, and determining the target credit limit parameter in the second table row based on the fourth credit limit parameter;

[0130] Then, determine the second table row where the second cell is located in the two-dimensional table of credits, such as Figure 5 As shown, the table row where the second cell 3.2 is located is the second row in the two-dimensional credit limit table, the table row where the second cell 2.2 is located is the third row in the two-dimensional credit limit table, and the target credit limit parameter in the second table row is determined based on the fourth credit limit parameter.

[0131] Specifically, step c4 includes:

[0132] Step c41, determining a second update direction corresponding to the second table row based on the position of the second cell in the second table row;

[0133] In one embodiment, the update device first determines the second update direction corresponding to the second table row according to the position of the second cell in the second table row. Specifically, the position of the second cell is used as the end point. If the second cell is located at the leftmost part of the second table row, the second update direction is from right to left. If the second cell is located at the rightmost part of the second table row, the second update direction is from left to right.

[0134] Step c42, based on the second update direction and the fourth limit parameter, select the limit parameters of two adjacent cells in the second table row one by one, and determine the target cell among the two adjacent cells;

[0135] In one embodiment, the updating device selects the amount parameters of two adjacent cells in the second table row one by one according to the second updating direction and the fourth amount parameter, and determines the target cell in the two adjacent cells. Specifically, the cell pointing upward in the second updating direction can be taken as the target cell. If the second updating direction is from right to left, the cell on the left of the two adjacent cells is determined as the target cell. That is, the position of the target cell in the two adjacent cells is consistent with the direction of the second updating direction.

[0136] Step c43, determining a change trend corresponding to the first limit parameter, and determining an update standard corresponding to the change trend;

[0137] In one embodiment, it can be understood that the available credit limit in the credit limit parameter may increase in addition to decreasing, such as the repayment behavior of the customer after borrowing. Therefore, the change trend of the available credit limit in the credit limit parameter includes both increase and decrease, and different change trends correspond to different update standards.

[0138] Specifically, when the change trend is decreasing, the update standard is to use the quota parameter with a smaller available quota as the update value, and when the change trend is increasing, the update standard is to use the quota parameter with a larger available quota as the update value.

[0139] Step c44, using the amount parameters of the two adjacent cells that meet the update standard as the update value of the target cell, until the target cell is the second cell;

[0140] In one embodiment, the amount parameters in two adjacent cells are compared, and the amount parameter that meets the update standard is used as the update value of the target cell until the update device selects all cells, that is, the target cell is the second cell.

[0141] Step c45, setting the updated value as the target limit parameter in the second table row.

[0142] In one embodiment, the updating device finally sets the updated value as the target amount parameter in the second table row.

[0143] If the second update direction is from right to left, the update standard is to take the quota parameter with the smaller available quota in the adjacent cells as the update value. Assume that 100, 180, 200, and 150 are the available quotas in the quota parameters of a row of the table.

[0144] According to the above method, the two cells 200 and 150 are taken out from right to left in sequence, and the smaller value min(200, 150) is updated to the left cell. At this time, the table rows are updated to 100, 180, 150, 150.

[0145] Then take out the next group of adjacent cells, 180 and 150, take the smaller value min(180, 150) and update it to the left cell. At this time, the table row is updated to 100, 150, 150, 150.

[0146] The final updated result is 100, 150, 150, 150. The entire algorithm is similar to a cycle of bubble sort.

[0147] Step c5: based on the target limit parameter, update the third limit parameter of the second cell.

[0148] In one embodiment, the updating device finally updates the third quota parameter of the second cell according to the target quota parameter, specifically replacing the third quota parameter of the updated second cell with the target quota parameter, thereby completing the result that the quota parameter of a leaf node changes and the quota parameters of other leaf nodes are updated accordingly.

[0149] like Figure 5 As shown, when the occupied amount of the first cell 3.1 changes (the occupied amount increases), first update the first table row where the first cell is located, that is, the first row in the two-dimensional quota table, according to the parent-child relationship between the two adjacent cells, in an update direction from left to right. Then update the third cell corresponding to other non-leaf nodes in the two-dimensional quota table, that is, modify the values ​​of the cells with the same node number to be consistent, such as the quota parameter of the cell 2.1 in the second row of the two-dimensional quota table, which is modified to the value of the quota parameter of the cell 2.1 in the first row, and modify the quota parameter of the cell 1.0 in the second row and the quota parameter of the cell 1.0 in the third row to the value of the quota parameter of the cell 1.0 in the first row. Finally, update each cell in the second cell row in a sequential manner in an update direction from right to left. Specifically, in a right-to-left direction, take the smaller value of the two adjacent cells in the second table row where the second cell is located, and update it to the cell on the left among the adjacent cells, thereby completing the update of the second cell.

[0150] The credit update method proposed by the present invention obtains the node number and credit parameter of each node of the credit tree, and generates a credit two-dimensional table corresponding to the credit tree based on the node number and the credit parameter, wherein each node of the credit tree changes in cascade, and each cell of the credit two-dimensional table corresponds to a node of the credit tree; if it is detected that the first credit parameter of the first cell changes, then based on the first credit parameter, the second credit parameter of the first table row where the first cell is located in the credit two-dimensional table is updated, wherein the first cell is the cell corresponding to the leaf node in the credit tree whose credit parameter changes in the credit tree in the credit two-dimensional table; based on the second credit parameter, the third credit parameter of the second cell is updated, wherein the second cell is the cell corresponding to the leaf node in the credit tree except the leaf node whose credit parameter changes in the credit tree in the credit two-dimensional table. The present invention converts the credit tree into a credit two-dimensional table for credit update, converts the credit update of the node into the update of the cell data, does not need to traverse and recurse each node, simplifies the update process, and improves the update efficiency.

[0151] Furthermore, based on the first embodiment of the credit limit updating method of the present invention, a second embodiment of the credit limit updating method of the present invention is proposed.

[0152] The difference between the second embodiment of the credit limit updating method and the first embodiment of the credit limit updating method is that, based on the second credit limit parameter, the step of updating the third credit limit parameter of the second cell includes:

[0153] Step d, marking the timestamp of the second quota parameter as the latest timestamp;

[0154] Step e, determining the second table row in which the second cell is located in the two-dimensional table of credit limits, and determining the second table column corresponding to the second table row;

[0155] Step f, determining a target amount parameter of the second table row based on the second table column and the latest timestamp;

[0156] Step g: based on the target limit parameter, update the third limit parameter of the second cell.

[0157] In the process of updating the third amount parameter of the second cell, this embodiment only needs to update the first table row where the first cell is located and mark a latest timestamp, without updating other non-leaf nodes, thereby simplifying the update process and improving update efficiency.

[0158] The following is a detailed description of each step:

[0159] Step d: marking the timestamp of the second quota parameter as the latest timestamp.

[0160] In this embodiment, the updating device first marks the timestamp of the second credit limit parameter as the latest timestamp, indicating that the value of the second credit limit parameter is the latest and should be considered the most.

[0161] It should be noted that, considering the concurrent changes of leaf nodes, the update time may be the same. Therefore, the latest timestamp can be replaced with a sequence number that is ordered in ascending order according to time, that is, the latest timestamp includes the real-time timestamp + the ascending sequence number. In a distributed environment, the sequence number can be generated by a central node, such as a DB, redis cluster, etc.

[0162] Step e: determining the second table row where the second cell is located in the two-dimensional table of credit limits, and determining the second table column corresponding to the second table row.

[0163] In this embodiment, the updating device further determines the second table row in which the second cell is located in the two-dimensional table of credit limits, and determines the second table column corresponding to the second table row, wherein the process of determining the second table column corresponding to the second table row is similar to the process of determining the first table column corresponding to the first table row in the above embodiment, and will not be repeated here.

[0164] Step f: determining a target limit parameter of the second table row based on the second table column and the latest timestamp.

[0165] In this embodiment, the updating device determines the target amount parameter of the second table row according to the second table column and the latest timestamp.

[0166] Specifically, step f includes:

[0167] Step f1, determining in the second table column the target table column corresponding to each target cell in the second table row, and determining the latest amount parameter in each target table column based on the latest timestamp;

[0168] In one embodiment, the updating device first determines the target table columns corresponding to the target cells in the second table row in sequence, such as Figure 6 As shown, assuming that the second cell is 3.2, the second table row is the second row in the two-dimensional table of credits, then the second table column where the cell 2.1 in the second table row is located, and the third table column where the cell 1.0 is located are determined in sequence. Then, according to the latest timestamp, the latest credit parameters in each target table column are determined, such as Figure 6 As shown, the latest timestamp of the second table column where the cell 2.1 is located is located in the first row cell (2.1:150, 100, 100, 50), and the latest timestamp of the third table column where the cell 1.0 is located is located in the first row cell (1.0:200, 100, 100).

[0169] Step f2, determining a change trend corresponding to the first limit parameter, and determining an update standard corresponding to the change trend;

[0170] In one embodiment, it can be understood that the available credit limit in the credit limit parameter may increase in addition to decreasing, such as the repayment behavior of the customer after borrowing. Therefore, the change trend of the available credit limit in the credit limit parameter includes both increase and decrease, and different change trends correspond to different update standards.

[0171] Specifically, when the change trend is decreasing, the update standard is to use the quota parameter with a smaller available quota as the update value, and when the change trend is increasing, the update standard is to use the quota parameter with a larger available quota as the update value.

[0172] Step f3, obtaining a target credit limit parameter that meets the update standard from the latest credit limit parameter.

[0173] In one embodiment, the updating device obtains the target credit limit parameter that meets the updating standard from the latest credit limit parameter, and specifically compares the latest credit limit parameters of different columns, thereby taking the smaller or larger latest credit limit parameter as the target credit limit parameter.

[0174] Step g: based on the target limit parameter, update the third limit parameter of the second cell.

[0175] In this embodiment, the updating device updates the third credit limit parameter of the second cell according to the target credit limit parameter, specifically determines the available credit limit from the target credit limit parameter, and replaces and updates the available credit limit with the available credit limit in the third credit limit parameter of the second cell.

[0176] like Figure 6 As shown, when the occupied amount of the first cell 3.1 changes (the occupied amount increases), first update the first table row where the first cell is located, that is, the first row in the two-dimensional quota table, according to the update direction from left to right and the parent-child relationship between the two adjacent cells, and mark the latest timestamp new in the first row. Then, there is no need to update the cells corresponding to other non-leaf nodes in the two-dimensional quota table. Instead, determine the cells corresponding to other leaf nodes in the two-dimensional quota table, and then take the minimum value of the available amount of all cells in the entire row where the cell is located. The available amount of the cells in the entire row needs to take the latest value from the column where it is located according to the latest timestamp, thereby completing the update of the second cell, that is, other leaf nodes.

[0177] In the process of updating the third amount parameter of the second cell, this embodiment only needs to update the first table row where the first cell is located and mark a latest timestamp, without updating other non-leaf nodes, thereby simplifying the update process and improving update efficiency.

[0178] The present invention also provides a credit limit updating device. The credit limit updating device of the present invention comprises:

[0179] An acquisition generation module is used to obtain the node number and the quota parameter of each node of the quota tree, and generate a two-dimensional quota table corresponding to the quota tree based on the node number and the quota parameter, wherein each node of the quota tree changes in cascade, and each cell of the two-dimensional quota table corresponds to a node of the quota tree;

[0180] A detection and update module, configured to update, if a change is detected in a first quota parameter of a first cell, a second quota parameter of a first table row in the quota two-dimensional table where the first cell is located, based on the first quota parameter, wherein the first cell is a cell in the quota two-dimensional table corresponding to a leaf node in the quota tree whose quota parameter has changed;

[0181] The detection and update module is also used to update the third quota parameter of the second cell based on the second quota parameter, wherein the second cell is the cell in the quota two-dimensional table corresponding to the leaf nodes in the quota tree except the leaf nodes whose quota parameters have changed.

[0182] Preferably, the acquisition generation module is also used for:

[0183] Determine a quota chain corresponding to the quota tree based on the node number and the quota parameter;

[0184] The credit chain is used as a table row, and the table rows are aligned based on the node numbers, thereby generating a credit two-dimensional table.

[0185] Preferably, the detection and update module is also used for:

[0186] If it is detected that the first quota parameter of the first cell has changed, determining the first table row where the first cell is located in the quota two-dimensional table, and determining a first update direction of the first table row;

[0187] Based on the first update direction and the first limit parameter of the first cell, the limit parameter of each cell in the first table row is updated in sequence, and the second limit parameter includes the limit parameter of each cell in the first table row.

[0188] Preferably, the detection and update module is also used for:

[0189] Determine a first table column corresponding to the first table row in the two-dimensional table of credit limits, and determine a first node number of the first table row and a second node number of the first table column;

[0190] Determining a third cell in the first table column based on the first node number and the second node number;

[0191] Based on the second limit parameter, updating the fourth limit parameter of the third cell;

[0192] Determine a second table row in which the second cell is located in the two-dimensional credit limit table, and determine a target credit limit parameter in the second table row based on the fourth credit limit parameter;

[0193] Based on the target limit parameter, a third limit parameter of the second cell is updated.

[0194] Preferably, the detection and update module is also used for:

[0195] Determine a second update direction corresponding to the second table row based on the position of the second cell in the second table row;

[0196] Based on the second update direction and the fourth amount parameter, the amount parameters of two adjacent cells are selected one by one in the second table row, and a target cell is determined among the two adjacent cells;

[0197] Determining a change trend corresponding to the first quota parameter, and determining an update standard corresponding to the change trend;

[0198] Using the amount parameters of the two adjacent cells that meet the update criteria as the update value of the target cell until the target cell is the second cell;

[0199] The updated value is set as the target amount parameter in the second table row.

[0200] Preferably, the detection and update module is also used for:

[0201] Marking the timestamp of the second quota parameter as the latest timestamp;

[0202] Determine a second table row in which the second cell is located in the two-dimensional table of credit limits, and determine a second table column corresponding to the second table row;

[0203] Determining a target quota parameter for the second table row based on the second table column and the latest timestamp;

[0204] Based on the target limit parameter, a third limit parameter of the second cell is updated.

[0205] Preferably, the detection and update module is also used for:

[0206] Determining in the second table column the target table column corresponding to each target cell in the second table row, and determining the latest amount parameter in each target table column based on the latest timestamp;

[0207] Determining a change trend corresponding to the first quota parameter, and determining an update standard corresponding to the change trend;

[0208] A target credit limit parameter satisfying the update standard is obtained from the latest credit limit parameter.

[0209] The present invention also provides a computer-readable storage medium.

[0210] The computer-readable storage medium of the present invention stores a credit limit updating program, and when the credit limit updating program is executed by a processor, the steps of the credit limit updating method described above are implemented.

[0211] Among them, the method implemented when the credit limit update program running on the processor is executed can refer to the various embodiments of the credit limit update method of the present invention, and will not be repeated here.

[0212] It should be noted that, in this article, the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, article or system including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or system. In the absence of further restrictions, an element defined by the sentence "comprises a ..." does not exclude the existence of other identical elements in the process, method, article or system including the element.

[0213] The serial numbers of the above embodiments of the present invention are only for description and do not represent the advantages or disadvantages of the embodiments.

[0214] Through the description of the above implementation methods, those skilled in the art can clearly understand that the above-mentioned embodiment methods can be implemented by means of software plus a necessary general hardware platform, and of course by hardware, but in many cases the former is a better implementation method. Based on such an understanding, the technical solution of the present invention is essentially or the part that contributes to the prior art can be embodied in the form of a software product, which is stored in a storage medium (such as ROM / RAM, magnetic disk, optical disk) as described above, and includes a number of instructions for a terminal device (which can be a mobile phone, computer, server, air conditioner, or network device, etc.) to execute the methods described in each embodiment of the present invention.

[0215] The above are only preferred embodiments of the present invention, and are not intended to limit the patent scope of the present invention. Any equivalent structure or equivalent process transformation made using the contents of the present invention specification and drawings, or directly or indirectly applied in other related technical fields, are also included in the patent protection scope of the present invention.

Claims

1. A quota updating method, characterized in that: The credit limit updating method comprises the following steps: Obtaining the node number and the quota parameter of each node of the quota tree, and generating a two-dimensional quota table corresponding to the quota tree based on the node number and the quota parameter, wherein each node of the quota tree changes in cascade, and each cell of the two-dimensional quota table corresponds to a node of the quota tree; If it is detected that the first limit parameter of the first cell has changed, then based on the first limit parameter, the second limit parameter of the first table row where the first cell is located in the two-dimensional limit table is updated, wherein the first cell is the cell in the two-dimensional limit table corresponding to the leaf node in the limit tree whose limit parameter has changed; Based on the second quota parameter, update the third quota parameter of the second cell, wherein the second cell is a cell corresponding to a leaf node in the quota tree except for a leaf node whose quota parameter has changed in the quota two-dimensional table; The step of generating a two-dimensional quota table corresponding to the quota tree based on the node number and the quota parameter includes: Based on the node number and the credit parameter, determine the credit chain corresponding to the credit tree; the credit chain refers to the node link composed of leaf nodes and root nodes, and nodes between leaf nodes and root nodes in the credit tree; The credit chain is used as a table row, and the table rows are aligned based on the node numbers, thereby generating a credit two-dimensional table.

2. The credit limit updating method according to claim 1, characterized in that: If a change in the first limit parameter of the first cell is detected, the step of updating the second limit parameter of the first table row where the first cell is located in the limit two-dimensional table based on the first limit parameter includes: If it is detected that the first quota parameter of the first cell has changed, determining the first table row where the first cell is located in the quota two-dimensional table, and determining a first update direction of the first table row; Based on the first update direction and the first limit parameter of the first cell, the limit parameter of each cell in the first table row is updated in sequence, and the second limit parameter includes the limit parameter of each cell in the first table row.

3. The credit limit updating method according to claim 1, characterized in that: The step of updating the third quota parameter of the second cell based on the second quota parameter comprises: Determine a first table column corresponding to the first table row in the two-dimensional table of credit limits, and determine a first node number of the first table row and a second node number of the first table column; Determining a third cell in the first table column based on the first node number and the second node number; Based on the second limit parameter, updating the fourth limit parameter of the third cell; Determine a second table row in which the second cell is located in the two-dimensional credit limit table, and determine a target credit limit parameter in the second table row based on the fourth credit limit parameter; Based on the target limit parameter, a third limit parameter of the second cell is updated.

4. The credit limit updating method according to claim 3, characterized in that: The step of determining the target limit parameter in the second table row based on the fourth limit parameter comprises: Determine a second update direction corresponding to the second table row based on the position of the second cell in the second table row; Based on the second update direction and the fourth amount parameter, the amount parameters of two adjacent cells are selected one by one in the second table row, and a target cell is determined among the two adjacent cells; Determining a change trend corresponding to the first quota parameter, and determining an update standard corresponding to the change trend; Using the amount parameters of the two adjacent cells that meet the update criteria as the update value of the target cell until the target cell is the second cell; The updated value is set as the target amount parameter in the second table row.

5. The credit limit updating method according to claim 1, characterized in that: The step of updating the third quota parameter of the second cell based on the second quota parameter comprises: Marking the timestamp of the second quota parameter as the latest timestamp; Determine a second table row in which the second cell is located in the two-dimensional table of credit limits, and determine a second table column corresponding to the second table row; Determining a target quota parameter for the second table row based on the second table column and the latest timestamp; Based on the target limit parameter, a third limit parameter of the second cell is updated.

6. The credit limit updating method according to claim 5, characterized in that: The step of determining the target quota parameter of the second table row based on the second table column and the latest timestamp includes: Determining in the second table column the target table column corresponding to each target cell in the second table row, and determining the latest amount parameter in each target table column based on the latest timestamp; Determining a change trend corresponding to the first quota parameter, and determining an update standard corresponding to the change trend; A target credit limit parameter satisfying the update standard is obtained from the latest credit limit parameter.

7. A credit limit updating device, characterized in that: The credit updating device comprises: An acquisition generation module is used to obtain the node number and the quota parameter of each node of the quota tree, and generate a two-dimensional quota table corresponding to the quota tree based on the node number and the quota parameter, wherein each node of the quota tree changes in cascade, and each cell of the two-dimensional quota table corresponds to a node of the quota tree; A detection and update module, configured to update, if a change is detected in a first quota parameter of a first cell, a second quota parameter of a first table row in the quota two-dimensional table where the first cell is located, based on the first quota parameter, wherein the first cell is a cell in the quota two-dimensional table corresponding to a leaf node in the quota tree whose quota parameter has changed; The detection and update module is further used to update the third quota parameter of the second cell based on the second quota parameter, wherein the second cell is a cell corresponding to a leaf node in the quota tree except for a leaf node whose quota parameter has changed in the quota two-dimensional table; The acquisition generation module is also used to determine the credit chain corresponding to the credit tree based on the node number and the credit parameter; the credit chain refers to the node link composed of leaf nodes and root nodes, and nodes between leaf nodes and root nodes in the credit tree; and use the credit chain as a table row, and align the table rows based on the node number, so as to generate a two-dimensional credit table.

8. A credit limit updating device, characterized in that: The credit limit updating device comprises: a memory, a processor and a credit limit updating program stored in the memory and executable on the processor. When the credit limit updating program is executed by the processor, the steps of the credit limit updating method as claimed in any one of claims 1 to 6 are implemented.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a credit limit update program, and when the credit limit update program is executed by the processor, the steps of the credit limit update method according to any one of claims 1 to 6 are implemented.

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