Foreign exchange transaction limit control method and device

Abstract

The present disclosure provides a foreign exchange transaction limit control method, which can be applied to the field of big data technology. The control method includes: receiving a foreign exchange transaction request, the foreign exchange transaction request carries debit currency information and credit currency information. Based on the debit currency information and the credit currency information, a transaction scenario is determined. Then, based on the preset limit control rules corresponding to the transaction scenario, the available transaction amount is calculated. The present disclosure also provides a foreign exchange transaction limit control device, equipment, storage medium and program product.

Description

Technical Field

[0001] The present disclosure relates to the field of big data, specifically to the field of foreign exchange transaction big data analysis, and more specifically to a foreign exchange transaction limit control method, device, equipment, medium and program product. Background Art

[0002] With the development of economic globalization, the demand for foreign exchange transactions has gradually increased, and the regulatory system for foreign exchange transactions has also become more variable. There are different limit requirements for different types of customers, different types of transactions, different currencies, accumulators, monitoring parties and other diverse scenarios. The current common limit control method is to create a set of corresponding control models for different specific scenarios.

[0003] However, for global banks, the regulatory policies of various countries or regions within a country are complex and diverse. In addition, local regulatory policies will continue to adjust with changes in regional economic development. The disadvantage of the above-mentioned regulatory model's slow response speed to new scenarios has gradually emerged, and the cost incurred by banks for making corresponding adjustments to the regulatory model has increased accordingly, which has greatly increased the maintenance cost and resource investment of the banking system. Summary of the invention

[0004] In view of the above problems, the present disclosure provides a foreign exchange transaction limit control method, apparatus, device, medium and program product for improving the efficiency of foreign exchange transaction limit control.

[0005] According to a first aspect of the present disclosure, a foreign exchange transaction limit control method is provided, comprising: receiving a foreign exchange transaction request, the foreign exchange transaction request carrying debit currency information and credit currency information; determining a transaction scenario based on the debit currency information and the credit currency information; and calculating an available transaction amount based on a preset limit control rule corresponding to the transaction scenario.

[0006] According to an embodiment of the present disclosure, if the debit currency and the credit currency are both preset currencies, the debit currency and the credit currency meet the first preset condition; if the credit currency is the local currency and the debit currency is a non-preset currency, the debit currency and the credit currency meet the second preset condition; if the debit currency is the local currency and the credit currency is a non-preset currency, the debit currency and the credit currency meet the third preset condition; if the debit currency and the credit currency are both non-preset currencies, the debit currency and the credit currency meet the fourth preset condition, and the preset currencies include the local currency and at least one foreign currency; determining the transaction scenario based on the debit currency information and the credit currency information includes: determining the transaction scenario based on the preset conditions satisfied by the debit currency information and the credit currency information.

[0007] According to an embodiment of the present disclosure, determining the transaction scenario based on the preset conditions satisfied by the debit currency information and the credit currency information includes: judging whether the debit currency and the credit currency satisfy a first preset condition; if the debit currency and the credit currency do not satisfy the first preset condition, judging whether the debit currency and the credit currency satisfy a second preset condition, and / or judging whether the debit currency and the credit currency satisfy a third preset condition; if the debit currency and the credit currency satisfy the second preset condition, determining that the transaction scenario is an unknown foreign exchange purchase scenario; if the debit currency and the credit currency satisfy the third preset condition, determining that the transaction scenario is an unknown foreign exchange settlement scenario; if the debit currency and the credit currency do not satisfy the second preset condition and do not satisfy the third preset condition, judging whether the debit currency and the credit currency satisfy a fourth preset condition; if the debit currency and the credit currency satisfy the fourth preset condition, determining that the transaction scenario is an unknown dual foreign currency foreign exchange scenario.

[0008] According to an embodiment of the present disclosure, determining the transaction scenario based on the preset conditions satisfied by the debit currency information and the credit currency information also includes: if the debit currency and the credit currency satisfy the first preset condition, determining whether the debit currency or the credit currency is the local currency; if the debit currency is the local currency, determining that the transaction scenario is a known foreign exchange purchase scenario; if the credit currency is the local currency, determining that the transaction scenario is a known foreign exchange settlement scenario; if neither the debit currency nor the credit currency is the local currency, determining that the transaction scenario is a known dual foreign currency foreign exchange scenario.

[0009] According to an embodiment of the present disclosure, before determining the transaction scenario based on the debit currency information and the credit currency information, the method includes: parsing the foreign exchange transaction request to obtain the branch area that sends the foreign exchange transaction request; obtaining the limit control rule set corresponding to the branch area, and the limit control rule set includes at least one preset limit control rule.

[0010] According to an embodiment of the present disclosure, determining the transaction scenario based on the debit currency information and the credit currency information includes: determining the transaction scenario based on the preset conditions in the limit control rule set satisfied by the debit currency information and the credit currency information; the transaction scenarios include known foreign exchange purchase scenarios, known foreign exchange settlement scenarios, known dual foreign currency foreign exchange scenarios, unknown foreign exchange purchase scenarios, unknown foreign exchange settlement scenarios and unknown dual foreign currency foreign exchange scenarios.

[0011] According to an embodiment of the present disclosure, the limit control rules include the cumulative limit party, the cumulative limit currency, the cumulative limit period and the cumulative limit amount. The preset limit control rules corresponding to the transaction scenario are used to calculate the available transaction amount, including: obtaining the cumulative limit party, the cumulative limit currency, the cumulative limit period and the cumulative limit amount; calculating the accumulated limit amount of the cumulative limit currency of the cumulative limit party within the cumulative limit period; calculating the difference between the cumulative limit amount and the accumulated limit amount to obtain the available transaction amount.

[0012] According to an embodiment of the present disclosure, the calculation of the available transaction amount based on the preset limit control rules corresponding to the transaction scenario includes: obtaining the identity information and historical transaction information of the initiator of the transaction request to determine the credit rating of the initiator; based on the credit rating, selecting the preset limit control rules corresponding to the initiator in the transaction scenario; and calculating the available transaction amount based on the preset limit control rules.

[0013] According to an embodiment of the present disclosure, the method further includes: after the foreign exchange transaction request is completed, storing a transaction record of the foreign exchange transaction request to update the user's accumulated limit amount under the preset limit control rules.

[0014] The second aspect of the present disclosure provides a foreign exchange transaction limit control device, including: a receiving module, used to receive a foreign exchange transaction request, the foreign exchange transaction request carrying debit currency information and credit currency information; a determination module, used to determine a transaction scenario based on the debit currency information and the credit currency information; and a calculation module, used to calculate an available transaction amount based on a preset limit control rule corresponding to the transaction scenario.

[0015] According to an embodiment of the present disclosure, if the debit currency and the credit currency are both preset currencies, the debit currency and the credit currency meet the first preset condition; if the credit currency is the local currency and the debit currency is a non-preset currency, the debit currency and the credit currency meet the second preset condition; if the debit currency is the local currency and the credit currency is a non-preset currency, the debit currency and the credit currency meet the third preset condition; if the debit currency and the credit currency are both non-preset currencies, the debit currency and the credit currency meet the fourth preset condition, and the preset currencies include the local currency and at least one foreign currency; the determination module is specifically used to determine the transaction scenario based on the preset conditions satisfied by the debit currency information and the credit currency information.

[0016] According to an embodiment of the present disclosure, the transaction determination module includes: a first judgment unit, which is used to judge whether the debit currency and the credit currency meet a first preset condition; a second judgment unit, which is used to judge whether the debit currency and the credit currency meet a second preset condition and / or judge whether the debit currency and the credit currency meet a third preset condition if the judgment result of the first judgment unit is that the debit currency and the credit currency do not meet the first preset condition; the first determination unit is used to judge whether the debit currency and the credit currency meet the second preset condition if the judgment result of the second judgment unit is that the debit currency and the credit currency meet the second preset condition. It is determined that the transaction scenario is an unknown foreign exchange purchase scenario, and the debit currency and the credit currency meet the third preset condition, then the transaction scenario is determined to be an unknown foreign exchange settlement scenario, and the third judgment unit is used to judge whether the debit currency and the credit currency meet the fourth preset condition if the judgment result of the second judgment unit is that the debit currency and the credit currency do not meet the second preset condition and do not meet the third preset condition; the second determination unit is used to determine that the transaction scenario is an unknown dual foreign currency foreign exchange scenario if the judgment result of the third judgment unit is that the debit currency and the credit currency meet the fourth preset condition.

[0017] According to an embodiment of the present disclosure, the determination module also includes a fourth judgment unit, which is used to determine whether the debit currency or the credit currency is the local currency if the judgment result of the first judgment unit is that the debit currency and the credit currency meet the first preset condition; a third determination unit, which is used to determine that the transaction scenario is a known foreign exchange purchase scenario if the debit currency is the local currency, and to determine that the transaction scenario is a known foreign exchange settlement scenario if the credit currency is the local currency; if both the debit currency and the credit currency are foreign currencies, then determine that the transaction scenario is a known dual foreign currency foreign exchange scenario.

[0018] According to an embodiment of the present disclosure, the device further includes: a parsing module, which is used to parse the foreign exchange transaction request before the determination module determines the transaction scenario, and obtain the branch area where the foreign exchange transaction request is sent. An acquisition module is used to obtain a limit control rule set corresponding to the branch area, and the limit control rule set includes at least one preset limit control rule.

[0019] According to an embodiment of the present disclosure, the determination module is also used to determine a transaction scenario based on the preset conditions in the limit control rule set satisfied by the debit currency information and the credit currency information, and the transaction scenario includes a known foreign exchange purchase scenario, a known foreign exchange settlement scenario, a known dual foreign currency foreign exchange scenario, an unknown foreign exchange purchase scenario, an unknown foreign exchange settlement scenario and an unknown dual foreign currency foreign exchange scenario.

[0020] According to an embodiment of the present disclosure, the limit control rules include cumulative limit parties, cumulative limit currencies, cumulative limit periods and cumulative limit amounts, and the calculation module includes: a first acquisition unit, used to acquire the cumulative limit parties, the cumulative limit currencies, the cumulative limit periods and the cumulative limit amounts; a first calculation unit, used to calculate the accumulated limit amount of the cumulative limit currency of the cumulative limit party within the cumulative limit period; a second calculation unit, used to calculate the difference between the cumulative limit amount and the accumulated limit amount, to obtain the available transaction amount.

[0021] According to an embodiment of the present disclosure, the calculation module includes: a second acquisition unit, used to obtain the identity information and historical transaction information of the initiator of the transaction request to determine the credit rating of the initiator; a selection module, used to select the preset limit control rules corresponding to the initiator in the transaction scenario based on the credit rating; a third calculation unit, used to calculate the available transaction amount based on the preset limit control rules.

[0022] According to an embodiment of the present disclosure, the device also includes: a storage module, which is used to store the transaction record of the foreign exchange transaction request after the foreign exchange transaction request is completed, so as to update the user's accumulated limit amount under the preset limit control rules.

[0023] The third aspect of the present disclosure provides an electronic device, comprising: one or more processors; a memory for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors execute the above-mentioned foreign exchange transaction limit control method.

[0024] The fourth aspect of the present disclosure further provides a computer-readable storage medium having executable instructions stored thereon, which, when executed by a processor, causes the processor to execute the above-mentioned foreign exchange transaction limit control method.

[0025] The fifth aspect of the present disclosure further provides a computer program product, including a computer program, which implements the above-mentioned foreign exchange transaction limit control method when executed by a processor. BRIEF DESCRIPTION OF THE DRAWINGS

[0026] The above contents and other purposes, features and advantages of the present disclosure will become more apparent through the following description of the embodiments of the present disclosure with reference to the accompanying drawings, in which:

[0027] Figure 1 The application scenario diagram of the foreign exchange transaction limit control method, device, equipment, medium and program product according to the embodiment of the present disclosure is schematically shown;

[0028] Figure 2 A flowchart of a foreign exchange transaction limit control method according to an embodiment of the present disclosure is schematically shown;

[0029] Figure 3 A flowchart for determining a transaction scenario according to an embodiment of the present disclosure is schematically shown;

[0030] Figure 4 Schematically shows a flow chart for determining a transaction scenario according to another embodiment of the present disclosure;

[0031] Figure 5 Schematically shows a flow chart for determining a transaction scenario according to another embodiment of the present disclosure;

[0032] Figure 6 A flowchart of a foreign exchange transaction limit control method according to another embodiment of the present disclosure is schematically shown;

[0033] Figure 7 A flowchart for calculating the available transaction amount according to an embodiment of the present disclosure is schematically shown;

[0034] Figure 8 Schematically shows a flow chart of calculating available transaction amount according to another embodiment of the present disclosure;

[0035] Fig. 9 The structure block diagram of the foreign exchange transaction limit control device according to the embodiment of the present disclosure is schematically shown;

[0036] Fig.10 The structural block diagram of the determination module according to the embodiment of the present disclosure is schematically shown;

[0037] Fig.11 The structure block diagram of a determination module according to another embodiment of the present disclosure is schematically shown;

[0038] Fig.12 A structural block diagram of a foreign exchange transaction limit control device according to another embodiment of the present disclosure is schematically shown;

[0039] Fig.13 The structure block diagram of the computing module according to the embodiment of the present disclosure is schematically shown;

[0040] Fig.14 Schematically shows a structural block diagram of a computing module according to another embodiment of the present disclosure;

[0041] Fig.15 A schematic diagram of a structure of a foreign exchange transaction limit control device according to another embodiment of the present disclosure is shown; and

[0042] Fig.16 A block diagram of an electronic device suitable for implementing a foreign exchange transaction limit control method according to an embodiment of the present disclosure is schematically shown. DETAILED DESCRIPTION

[0043] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of the present disclosure. In the following detailed description, for ease of explanation, many specific details are set forth to provide a comprehensive understanding of the embodiments of the present disclosure. However, it is apparent that one or more embodiments may also be implemented without these specific details. In addition, in the following description, descriptions of known structures and technologies are omitted to avoid unnecessary confusion of the concepts of the present disclosure.

[0044] The terms used herein are only for describing specific embodiments and are not intended to limit the present disclosure. The terms "comprise", "include", etc. used herein indicate the existence of the features, steps, operations and / or components, but do not exclude the existence or addition of one or more other features, steps, operations or components.

[0045] All terms (including technical and scientific terms) used herein have the meanings commonly understood by those skilled in the art, unless otherwise defined. It should be noted that the terms used herein should be interpreted as having a meaning consistent with the context of this specification, and should not be interpreted in an idealized or overly rigid manner.

[0046] In the case of using expressions such as "at least one of A, B, and C, etc.", it should generally be interpreted in accordance with the meaning of the expression generally understood by those skilled in the art (for example, "a system having at least one of A, B, and C" should include but is not limited to a system having A alone, B alone, C alone, A and B, A and C, B and C, and / or A, B, C, etc.). In the case of using expressions such as "at least one of A, B, or C, etc.", it should generally be interpreted in accordance with the meaning of the expression generally understood by those skilled in the art (for example, "a system having at least one of A, B, or C" should include but is not limited to a system having A alone, B alone, C alone, A and B, A and C, B and C, and / or A, B, C, etc.).

[0047] It should be noted that in the technical solution of the present disclosure, the acquisition, storage and application of user personal information involved are in compliance with the provisions of relevant laws and regulations, necessary confidentiality measures have been taken, and do not violate public order and good morals.

[0048] Due to the tight coupling of scenarios and processing procedures in traditional banks in terms of customer limit monitoring, when the limit control policy is adjusted, it is necessary to invest a lot of manpower and material resources to modify the corresponding limit control processing procedures. At the same time, with the continuous adjustment of policies, the investment in modifying the limit control processing procedures will become larger and larger.

[0049] Based on the above problems, an embodiment of the present disclosure provides a foreign exchange transaction limit control method, including: receiving a foreign exchange transaction request, the foreign exchange transaction request carries debit currency information and credit currency information; based on the debit currency information and the credit currency information, determining a transaction scenario; based on a preset limit control rule corresponding to the transaction scenario, calculating the available transaction amount.

[0050] Based on the existing customer limit monitoring policy data of typical global banks, key limit control parameters are extracted and benchmark limit control rules are pre-established to match the current mainstream foreign exchange transaction limit control policies.

[0051] Secondly, the foreign exchange transaction scenarios and control methods of limit control are decoupled. Therefore, when the limit control scenarios or control policies change, foreign exchange transaction control can be achieved based on existing control methods by modifying the limit control rules or adding custom parameters, without investing a lot of costs to modify existing control methods or add new control methods.

[0052] Figure 1 The application scenario diagram of the foreign exchange transaction limit control method, device, equipment, medium and program product according to the embodiment of the present disclosure is schematically shown.

[0053] like Figure 1 As shown, the application scenario 100 according to this embodiment may include terminal devices 101, 102, 103, a network 104 and a server 105. The network 104 is used to provide a medium for a communication link between the terminal devices 101, 102, 103 and the server 105. The network 104 may include various connection types, such as wired, wireless communication links or optical fiber cables, etc.

[0054] Users can use terminal devices 101, 102, 103 to interact with server 105 through network 104 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 101, 102, 103, such as financial applications, shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only for example).

[0055] The terminal devices 101 , 102 , and 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, and desktop computers.

[0056] The server 105 may be a server that provides various services, such as a background management server (only an example) that provides support for websites browsed by users using the terminal devices 101, 102, and 103. The background management server may analyze and process the received data such as user requests, and feed back the processing results (such as web pages, information, or data obtained or generated according to user requests) to the terminal device.

[0057] It should be noted that the foreign exchange transaction limit control method provided in the embodiment of the present disclosure can generally be executed by the server 105. Accordingly, the foreign exchange transaction limit control device provided in the embodiment of the present disclosure can generally be set in the server 105. The foreign exchange transaction limit control method provided in the embodiment of the present disclosure can also be executed by a server or server cluster that is different from the server 105 and can communicate with the terminal devices 101, 102, 103 and / or the server 105. Accordingly, the foreign exchange transaction limit control device provided in the embodiment of the present disclosure can also be set in a server or server cluster that is different from the server 105 and can communicate with the terminal devices 101, 102, 103 and / or the server 105.

[0058] It should be understood that Figure 1 The number of terminal devices, networks and servers in the embodiment is only for illustration. Any number of terminal devices, networks and servers may be provided according to implementation requirements.

[0059] The following will be based on Figure 1 The scene described by Figure 2 to Figure 6 The foreign exchange transaction limit control method of the disclosed embodiment is described in detail.

[0060] Figure 2 The flowchart of the foreign exchange transaction limit control method according to the embodiment of the present disclosure is schematically shown.

[0061] like Figure 2 As shown, the foreign exchange transaction limit control method of this embodiment includes operations S210 to S230.

[0062] In operation S210, a foreign exchange transaction request is received, the foreign exchange transaction request carrying debit currency information and credit currency information.

[0063] Foreign exchange transactions refer to the exchange of one country's currency with another country's currency, that is, the exchange of debit currency with credit currency. When the initiator of a transaction request sends a foreign exchange transaction request, the foreign exchange transaction request carries the initiator's debit currency information and credit currency information. For example, if the foreign exchange transaction request is to purchase US dollars with RMB, the debit currency is US dollars and the credit currency is RMB.

[0064] In operation S220, a transaction scenario is determined based on the debit currency information and the credit currency information.

[0065] The foreign exchange transaction scenario is determined based on the debit currency information and credit currency information carried in the foreign exchange transaction request. Foreign exchange transaction scenarios include foreign exchange purchase scenarios, foreign exchange settlement scenarios, and dual foreign currency foreign exchange scenarios.

[0066] In operation S230, the available transaction amount is calculated based on the preset limit control rules corresponding to the transaction scenario.

[0067] For different foreign exchange transaction scenarios, banks extract key limit control parameters based on the customer limit monitoring policy data of typical banks around the world, and pre-formulate benchmark limit control rules. Limit control rules can be understood as control rules for foreign exchange transaction quotas. That is, the initiator of the transaction request cannot conduct foreign exchange transactions without restrictions, but must conduct foreign exchange transactions under the restrictions of limit control rules. At the same time, there are different limit control rules for different foreign exchange transaction scenarios. When executing a foreign exchange transaction request, the bank must first determine whether the foreign exchange transaction can be conducted according to the corresponding limit control rules, and then calculate the tradable quota if the judgment result is yes.

[0068] The correspondence between foreign exchange trading scenarios and limit control rules is not fixed, but is affected by external factors. External factors include but are not limited to changes in the foreign exchange policies of trading outlets, the exchange rates of debit and credit currencies, the exchange rates between debit and credit currencies, the credit rating of users, and the bank's turnover limit.

[0069] In the disclosed embodiment, the limit control rules are generated based on multiple key factors at different levels in multiple foreign exchange trading scenarios, the limit control process is decoupled from the foreign exchange trading scenarios, and the limit control rules are adapted to various foreign exchange trading scenarios through the flexible configuration of multiple key factors in the limit control rules. At the same time, the disclosure determines the foreign exchange trading scenario by the debit currency and the credit currency, simplifies the determination process of the foreign exchange trading scenario, facilitates the subsequent limit control of specific foreign exchange trading scenarios, thereby reducing the cost and resource investment of the bank system in maintaining the limit control rules, and improving the adaptive ability of the control method to the limit policy.

[0070] Figure 3 A flowchart for determining a transaction scenario according to an embodiment of the present disclosure is schematically shown.

[0071] like Figure 3 As shown, this embodiment determines a transaction scenario based on the debit currency information and the credit currency information, including operation S310.

[0072] In operation S310, a transaction scenario is determined based on preset conditions satisfied by the debit currency information and the credit currency information.

[0073] Among them, if the debit currency and the credit currency are both preset currencies, the debit currency and the credit currency meet the first preset condition; if the credit currency is the local currency and the debit currency is a non-preset currency, the debit currency and the credit currency meet the second preset condition; if the debit currency is the local currency and the credit currency is a non-preset currency, the debit currency and the credit currency meet the third preset condition; if the debit currency and the credit currency are both non-preset currencies, the debit currency and the credit currency meet the fourth preset condition.

[0074] The foreign exchange transaction scenario is determined by comparing the debit currency and the credit currency with the preset currency respectively. The specific comparison process is divided into the above four preset conditions to determine whether the debit currency and the credit currency are preset currencies or non-preset currencies. Understandably, the preset currency is the currency involved in the existing foreign exchange control rules of the bank, and the non-preset currency is the currency not yet involved in the existing foreign exchange control rules of the bank. Through the above four preset conditions, the foreign exchange transaction scenarios corresponding to the transaction request can be simply and quickly divided.

[0075] Among them, the local currency is the legal currency of a country or region, for example, the local currency of my country is RMB. The foreign currency is the currency of a country or region other than the local currency. Understandably, the preset currencies include the local currency and at least one foreign currency.

[0076] As a specific embodiment, Figure 4 A flowchart for determining a transaction scenario according to another embodiment of the present disclosure is schematically shown.

[0077] like Figure 4 As shown, this embodiment determines a transaction scenario based on preset conditions satisfied by debit currency information and credit currency information, including operations S410 to S460.

[0078] In operation S410, it is determined whether the debit currency and the credit currency meet a first preset condition. If not, operation S420 is performed.

[0079] In operation S420, it is determined whether the debit currency and the credit currency meet the second preset condition, and / or it is determined whether the debit currency and the credit currency meet the third preset condition. If the second preset condition is met, operation S430 is performed, if the third preset condition is met, operation S440 is performed, if the second preset condition is not met and the third preset condition is not met, operation S450 is performed.

[0080] In operation S430, it is determined that the transaction scenario is an unknown foreign exchange purchase scenario.

[0081] In operation S440, it is determined that the transaction scenario is an unknown foreign exchange settlement scenario.

[0082] In operation S450, it is determined whether the debit currency and the credit currency meet a fourth preset condition. If the fourth preset condition is met, operation S460 is performed.

[0083] In operation S460, it is determined that the transaction scenario is an unknown dual foreign currency foreign exchange scenario.

[0084] In the embodiment of the present disclosure, it is first determined whether the debit currency and the credit currency are preset currencies. If the credit currency and the debit currency are known preset currencies, the specific foreign exchange transaction scenario can be determined according to the specific currency information. It should be noted that the embodiment of the present disclosure focuses on the situation where the debit currency and the credit currency are not preset currencies at the same time.

[0085] When the debit currency and the credit currency are different and are not preset currencies, the foreign exchange transaction scenario can be determined only by the currency information of one party. That is, when the judgment result is that the credit currency is the local currency, or the debit currency is the local currency, no matter what the corresponding other currency is, the foreign exchange transaction scenario can be clearly determined.

[0086] It should be noted that if the preset currencies include the local currency, the priority is to determine whether the credit currency or the debit currency is the local currency. At the same time, foreign exchange transactions are transactions between local currency and foreign currency, or transactions between one foreign currency and another foreign currency. Therefore, when it is confirmed that one currency is the local currency, the other currency can only be a foreign currency.

[0087] Under the premise that the debit currency and the credit currency are not preset currencies at the same time, when one currency is determined to be the local currency, the other currency is a non-preset foreign currency. Since the non-preset currency is a currency that is not yet involved in the existing bank foreign exchange control rules, the local currency and the non-preset foreign currency constitute an unknown foreign exchange purchase scenario or unknown foreign exchange settlement scenario in the existing bank foreign exchange control rules.

[0088] In the embodiment of the present disclosure, a pseudo code is provided to implement the above judgment process, and the specific content is as follows:

[0089] IF the debit currency of the current transaction = the parameter debit currency && the credit currency of the current transaction = the parameter credit currency

[0090] IF limit control flag = 0 THEN return, no control

[0091] ELSE IF limit control flag = 1 THEN proceed to the next step

[0092] ENDIF

[0093] ELSE IF 0 = parameter debit currency && current transaction credit currency = parameter credit currency

[0094] IF limit control flag = 0 THEN return, no control

[0095] ELSE IF limit control flag = 1 THEN proceed to the next step

[0096] ENDIF

[0097] ELSE IF the current transaction's debit currency = parameter debit currency && 0 = parameter credit currency

[0098] IF limit control flag = 0 THEN return, no control

[0099] ELSE IF limit control flag = 1 THEN proceed to the next step

[0100] ENDIF

[0101] ELSE IF 0=parameter debit currency&&0=parameter credit currency

[0102] IF limit control flag = 0 THEN return, no control

[0103] ELSE IF limit control flag = 1 THEN proceed to the next step

[0104] ENDIF

[0105] ENDIF

[0106] Among them, "IF the debit currency of the current transaction = parameter debit currency && the credit currency of the current transaction = parameter credit currency" means to judge whether the debit currency and the credit currency are both preset currencies. "ELSE IF 0 = parameter debit currency && the credit currency of the current transaction = parameter credit currency" means that when the first judgment situation is not met, it is judged whether the credit currency is the preset currency, and the debit currency is not considered at this time. "ELSE IF 0 = parameter debit currency && 0 = parameter credit currency" means that when the first three judgment situations are not met, it is judged whether the debit currency and the credit currency are non-preset currencies. "Limit control flag = 0" means that limit control is not performed. "Limit control flag = 1" means that limit control is performed.

[0107] As an optional embodiment, "ELSE IF 0=parameter debit currency&&0=parameter credit currency" can also be expressed as not considering the current foreign exchange transaction scenario. Under the premise of determining the foreign exchange transaction scenario, the transaction request is subject to quota control.

[0108] Generally speaking, if the debit currency and the credit currency are not the local currency, then the debit currency and the credit currency are both non-preset foreign currencies. However, in order to avoid the problem of misjudgment in the judgment process, in operation S420, when the judgment result is that the debit currency does not meet the second preset condition or the third preset condition, it is further judged whether the debit currency and the credit currency meet the fourth preset condition. If the fourth preset condition is met, it is determined that the foreign exchange transaction scenario is an unknown dual foreign currency foreign exchange scenario.

[0109] Figure 5 A flowchart for determining a transaction scenario according to another embodiment of the present disclosure is schematically shown.

[0110] like Figure 5 As shown, this embodiment determines the transaction scenario based on the preset conditions satisfied by the debit currency information and the credit currency information, and also includes operations S510 to S540.

[0111] In operation S510, if the debit currency and the credit currency meet the first preset condition, it is determined whether the debit currency or the credit currency is the local currency. If the debit currency is the local currency, operation S520 is performed, if the credit currency is the local currency, operation S530 is performed, and if neither the debit currency nor the credit currency is the local currency, operation S540 is performed.

[0112] When the debit currency is the local currency, the transaction scenario is determined to be a known foreign exchange purchase scenario; when the credit currency is the local currency, the transaction scenario is determined to be a known foreign exchange settlement scenario; when the debit currency and the credit currency are both foreign currencies, the transaction scenario is determined to be a known dual foreign currency foreign exchange scenario.

[0113] In operation S520, it is determined that the transaction scenario is a known foreign exchange purchase scenario.

[0114] In operation S530, it is determined that the transaction scenario is a known foreign exchange settlement scenario.

[0115] In operation S540, it is determined that the transaction scenario is a known dual foreign currency foreign exchange scenario.

[0116] In the embodiment of the present disclosure, when the result of the judgment in operation S410 is that the debit currency and the credit currency are preset currencies, the specific foreign exchange transaction scenario can be determined according to the specific currency information. The embodiment of the present disclosure focuses on the case where the debit currency and the credit currency are both preset currencies.

[0117] Since the preset currency is the currency already involved in the bank's existing foreign exchange control rules, the local currency and the preset foreign currency constitute a known foreign exchange purchase scenario or a known foreign exchange settlement scenario in the bank's existing foreign exchange control rules.

[0118] After clarifying the debit currency and credit currency involved in the transaction request, the specific foreign exchange transaction scenario involved in the transaction request can be clearly obtained. The specific foreign exchange transaction scenario is the foreign exchange transaction scenario for which limit rules have been established in the bank's existing foreign exchange control rules. Therefore, after determining the known foreign exchange transaction scenario, limit control can be performed according to the bank's existing limit control rules.

[0119] Figure 6 The following schematically shows a flow chart of a foreign exchange transaction limit control method according to another embodiment of the present disclosure.

[0120] like Figure 6 As shown, the foreign exchange transaction limit control method of this embodiment includes:

[0121] In operation S210, a foreign exchange transaction request is received, the foreign exchange transaction request carrying debit currency information and credit currency information.

[0122] In operation S610, the foreign exchange transaction request is parsed to obtain the branch area that sent the foreign exchange transaction request.

[0123] In operation S620, a quota control rule set corresponding to the network point area is obtained, and the quota control rule set includes at least one preset quota control rule.

[0124] In operation S630, a transaction scenario is determined based on preset conditions in the limit control rule set satisfied by the debit currency information and the credit currency information.

[0125] In operation S230, the available transaction amount is calculated based on the preset limit control rules corresponding to the transaction scenario.

[0126] In the disclosed embodiment, bank branches formulate different quota control rules for different regional locations, that is, different branches may have different quota control rules for the same foreign exchange transaction scenario. The quota control rules of different branches may constitute a quota control rule set for the branch area.

[0127] For example, the region code and / or branch number that issued the foreign exchange transaction request is parsed, and the limit control rule set corresponding to the region code and / or branch number is obtained. Based on the limit control rule set, the known foreign exchange purchase scenarios, known foreign exchange settlement scenarios, and known dual foreign currency foreign exchange scenarios included in the limit control rule set are determined, as well as the unknown foreign exchange purchase scenarios, unknown foreign exchange settlement scenarios, and unknown dual foreign currency foreign exchange scenarios not included in the limit control rule set.

[0128] Operation S630 determines the specific implementation example and the specific implementation example of the foreign exchange transaction scenario based on the preset conditions in the limit control rule set satisfied by the debit currency information and the credit currency information. Figure 3 to Figure 5The corresponding specific embodiments are similar. Therefore, the specific embodiment of determining the foreign exchange transaction scenario will not be described in detail in this embodiment.

[0129] It should be noted that in the process of determining the branch area, when the actual branch area exceeds the scope covered by the foreign exchange transaction limit, limit control can be implemented according to the set default limit control rules.

[0130] Through the implementation examples of this disclosure, foreign exchange trading scenarios are determined in the set of regionalized limit control rules, fully considering the impact of regional factors on limit control rules, and further improving limit control rules.

[0131] Figure 7 A flowchart for calculating the available transaction amount according to an embodiment of the present disclosure is schematically shown.

[0132] like Figure 7 As shown, this embodiment calculates the available transaction amount based on the preset limit control rules corresponding to the transaction scenario, including operations S710 to S730.

[0133] In operation S710, the cumulative limit party, cumulative limit currency, cumulative limit period and cumulative limit amount are obtained. The limit control rule includes information on the cumulative limit party, cumulative limit currency, cumulative limit period and cumulative limit amount.

[0134] In operation S720, the accumulated amount of the accumulated currency of the accumulated party within the accumulated period is calculated.

[0135] In operation S730, the difference between the accumulated limit amount and the accumulated limit amount is calculated to obtain the available transaction amount.

[0136] In the embodiment of the present disclosure, the cumulative limit parties include debit parties and credit parties, the cumulative limit periods include daily periods, monthly periods, quarterly periods, and annual periods, etc., and the cumulative limit currencies are the preset currencies involved in the limit control rules.

[0137] Calculating the accumulated limit amount includes determining the parameter conversion basis, that is, determining whether to use the unconverted transaction amount of the debit side or the credit side transaction amount as the conversion basis. It also includes determining the parameter conversion method. For example, after determining to use the debit side transaction amount as the conversion basis, it is also necessary to determine whether to convert according to the end-of-day exchange rate, real-time exchange rate or cost exchange rate.

[0138] The accumulated amount of the cumulative limit party calculated based on the limit control rules within the cumulative limit period up to the current transaction date. When the accumulated amount does not exceed the cumulative limit, the transaction request can be executed normally.

[0139] Figure 8 A flowchart for calculating the available transaction amount according to another embodiment of the present disclosure is schematically shown.

[0140] like Figure 8 As shown, this embodiment calculates the available transaction amount based on the preset limit control rules corresponding to the transaction scenario, including operations S810 to S830.

[0141] In operation S810, identity information and historical transaction information of an initiator of a transaction request are obtained to determine a credit rating of the initiator.

[0142] The initiator of the transaction request can be an individual user, a collective user, or an enterprise unit. Regardless of whether it is an individual user, a collective user or an enterprise unit, a foreign exchange transaction request is initiated through a specific bank account. By obtaining the identity information and historical transaction information of the specific bank account, it can be known that the credit rating of the account can be determined based on the historical transaction flow and the identity level of the account. The larger the historical transaction flow, the higher the identity level of the account, which means the higher the credit level of the user.

[0143] In operation S820, based on the credit rating, a preset limit control rule corresponding to the initiator in the transaction scenario is selected.

[0144] Different limit control rules are selected for accounts with different credit ratings. Understandably, accounts with higher credit ratings can have larger foreign exchange transaction limits.

[0145] In operation S830, the available transaction amount is calculated based on the preset limit control rules.

[0146] In the disclosed embodiment, based on the credit rating of the bank account of the initiator, a limit control rule that is appropriate to the credit rating is selected to perform matching limit control on the customer.

[0147] As a specific embodiment, the limit control rules also involve multiple parameters, including but not limited to debit currency, debit exchange rate, debit banknotes and currencies, credit currency, credit exchange rate, credit banknotes and currencies, customer control mark, customer type distinction mark, single limit control mark, total limit control mark, product type, limit currency, etc.

[0148] In order to increase the scalability and maintainability of the limit control method, a custom limit matching interface can be added to achieve the following: in addition to regional factors, currency factors, cumulative limit factors, cumulative limit period factors, quota factors, and account credit rating factors, you can also use custom limit parameters to determine the characteristic limit control rules that match the transaction request. For example, you can set a blacklist and a whitelist in the custom limit parameters, and under the restrictions of the custom limit parameters, compare with the initiator of the current transaction to determine whether to perform limit control.

[0149] As a specific embodiment, after a foreign exchange transaction request is successfully executed, the transaction record of the foreign exchange transaction request needs to be stored to update the user's accumulated limit amount under the preset limit control rules to achieve limit control for subsequent foreign exchange transactions.

[0150] Based on the above foreign exchange transaction limit control method, the present disclosure also provides a foreign exchange transaction limit control device. Fig. 9 The device is described in detail.

[0151] Fig. 9 The structural block diagram of the foreign exchange transaction limit control device according to an embodiment of the present disclosure is schematically shown.

[0152] like Fig. 9 As shown, the foreign exchange transaction limit control device 900 of this embodiment includes a receiving module 910, a determining module 920 and a calculating module 930.

[0153] The receiving module 910 is used to receive a foreign exchange transaction request, which carries debit currency information and credit currency information. In one embodiment, the receiving module 910 can be used to perform the operation S210 described above, which will not be described in detail here.

[0154] The determination module 920 is used to determine the transaction scenario based on the debit currency information and the credit currency information. In one embodiment, the determination module 920 can be used to perform the operation S220 described above, which will not be described in detail here.

[0155] The calculation module 930 is used to calculate the available transaction amount based on the preset limit control rules corresponding to the transaction scenario. In one embodiment, the calculation module 930 can be used to perform the operation S230 described above, which will not be repeated here.

[0156] In the disclosed embodiment, the limit control rules are generated based on multiple key factors at different levels in multiple foreign exchange trading scenarios, the limit control process is decoupled from the foreign exchange trading scenarios, and the limit control rules are adapted to various foreign exchange trading scenarios through the flexible configuration of multiple key factors in the limit control rules. At the same time, the disclosure determines the foreign exchange trading scenario by the debit currency and the credit currency, simplifies the determination process of the foreign exchange trading scenario, facilitates the subsequent limit control of specific foreign exchange trading scenarios, thereby reducing the cost and resource investment of the bank system in maintaining the limit control rules, and improving the adaptive ability of the control method to the limit policy.

[0157] According to an embodiment of the present disclosure, the determination module 920 is specifically used to determine a transaction scenario based on preset conditions satisfied by the debit currency information and the credit currency information.

[0158] Among them, if the debit currency and the credit currency are both preset currencies, the debit currency and the credit currency meet the first preset condition. If the credit currency is the local currency and the debit currency is a non-preset currency, the debit currency and the credit currency meet the second preset condition. If the debit currency is the local currency and the credit currency is a non-preset currency, the debit currency and the credit currency meet the third preset condition. If the debit currency and the credit currency are both non-preset currencies, the debit currency and the credit currency meet the fourth preset condition. The preset currencies all include the local currency and at least one foreign currency.

[0159] Fig.10 The structural block diagram of the determination module according to an embodiment of the present disclosure is schematically shown.

[0160] like Fig.10 As shown, the determination module 920 includes:

[0161] The first judgment unit 9201 is used to judge whether the debit currency and the credit currency meet the first preset condition.

[0162] The second judgment unit 9202 is used to judge whether the debit currency and the credit currency meet the second preset condition and / or judge whether the debit currency and the credit currency meet the third preset condition if the judgment result of the first judgment unit is that the debit currency and the credit currency do not meet the first preset condition.

[0163] The first determination unit 9203 is used to determine that the transaction scenario is an unknown foreign exchange purchase scenario if the judgment result of the second judgment unit is that the debit currency and the credit currency meet the second preset condition, and the transaction scenario is determined to be an unknown foreign exchange settlement scenario if the debit currency and the credit currency meet the third preset condition.

[0164] The third judgment unit 9204 is used to judge whether the debit currency and the credit currency meet the fourth preset condition if the judgment result of the second judgment unit is that the debit currency and the credit currency do not meet the second preset condition and do not meet the third preset condition.

[0165] The second determining unit 9205 is configured to determine that the transaction scenario is an unknown dual foreign currency foreign exchange scenario if the determination result of the third determining unit is whether the debit currency and the credit currency meet a fourth preset condition.

[0166] Fig.11 The structural block diagram of a determination module according to another embodiment of the present disclosure is schematically shown.

[0167] like Fig.11 As shown, the determination module 920 further includes:

[0168] The fourth judgment unit 9206 is configured to judge whether the debit currency or the credit currency is the local currency if the judgment result of the first judgment unit is that the debit currency and the credit currency meet the first preset condition.

[0169] The third determination unit 9027 is used to determine that the transaction scenario is a known foreign exchange purchase scenario if the debit currency is the local currency, and to determine that the transaction scenario is a known foreign exchange settlement scenario if the credit currency is the local currency; if both the debit currency and the credit currency are foreign currencies, then determine that the transaction scenario is a known dual foreign currency foreign exchange scenario.

[0170] Fig.12 The structural block diagram of a foreign exchange transaction limit control device according to another embodiment of the present disclosure is schematically shown.

[0171] like Fig.12 As shown, the device 900 further includes:

[0172] The parsing module 940 is used to parse the foreign exchange transaction request and obtain the branch area where the foreign exchange transaction request is sent before the determination module determines the transaction scenario.

[0173] The acquisition module 950 is used to acquire a quota control rule set corresponding to the network point area, and the quota control rule set includes at least one preset quota control rule.

[0174] In the embodiment of the present disclosure, the determination module 920 is also used to determine the transaction scenario based on the preset conditions in the limit control rule set satisfied by the debit currency information and the credit currency information. The transaction scenarios include known foreign exchange purchase scenarios, known foreign exchange settlement scenarios, known dual foreign currency foreign exchange scenarios, unknown foreign exchange purchase scenarios, unknown foreign exchange settlement scenarios and unknown dual foreign currency foreign exchange scenarios.

[0175] Fig.13 The structural block diagram of the computing module according to the embodiment of the present disclosure is schematically shown.

[0176] like Fig.13 As shown, the calculation module 930 includes:

[0177] The first acquisition unit 9301 is used to obtain the cumulative limit party, cumulative limit currency, cumulative limit period and cumulative limit amount.

[0178] The first calculation unit 9302 is used to calculate the accumulated limit amount of the accumulated currency of the accumulated party within the accumulated period.

[0179] The second calculation unit 9303 is used to calculate the difference between the accumulated limit amount and the accumulated limit amount to obtain the available transaction amount.

[0180] Fig.14 The structural block diagram of a computing module according to another embodiment of the present disclosure is schematically shown.

[0181] like Fig.14 As shown, the calculation module 930 includes:

[0182] The second acquisition unit 9304 is used to acquire the identity information and historical transaction information of the initiator of the transaction request to determine the credit rating of the initiator.

[0183] The selection module 9305 is used to select the preset limit control rules corresponding to the initiator in the transaction scenario based on the credit rating.

[0184] The third calculation unit 9306 is used to calculate the available transaction amount based on the preset limit control rules.

[0185] Fig.15 The structural block diagram of a foreign exchange transaction limit control device according to another embodiment of the present disclosure is schematically shown.

[0186] like Fig.15 As shown, the device 900 further includes:

[0187] The storage module 960 is used to store the transaction record of the foreign exchange transaction request after the foreign exchange transaction request is completed, so as to update the accumulated limit amount of the user under the preset limit control rules.

[0188] According to an embodiment of the present disclosure, any multiple modules of the receiving module 910, the determining module 920 and the calculating module 930 can be combined in one module for implementation, or any one of the modules can be split into multiple modules. Alternatively, at least part of the functions of one or more of these modules can be combined with at least part of the functions of other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the receiving module 910, the determining module 920 and the calculating module 930 can be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on a chip, a system on a substrate, a system on a package, an application specific integrated circuit (ASIC), or can be implemented by hardware or firmware such as any other reasonable way of integrating or packaging the circuit, or implemented in any one of the three implementation modes of software, hardware and firmware or in a proper combination of any of them. Alternatively, at least one of the receiving module 910, the determining module 920 and the calculating module 930 can be at least partially implemented as a computer program module, and when the computer program module is run, the corresponding function can be executed.

[0189] Fig.16 A block diagram of an electronic device suitable for implementing a foreign exchange transaction limit control method according to an embodiment of the present disclosure is schematically shown.

[0190] like Fig.16As shown, the electronic device 1600 according to an embodiment of the present disclosure includes a processor 1601, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 1602 or a program loaded from a storage part 1608 into a random access memory (RAM) 1603. The processor 1601 may include, for example, a general-purpose microprocessor (e.g., a CPU), an instruction set processor and / or a related chipset and / or a special-purpose microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 1601 may also include an onboard memory for caching purposes. The processor 1601 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of the present disclosure.

[0191] In RAM 1603, various programs and data required for the operation of electronic device 1600 are stored. Processor 1601, ROM 1602 and RAM 1603 are connected to each other via bus 1604. Processor 1601 performs various operations of the method flow according to the embodiment of the present disclosure by executing the program in ROM 1602 and / or RAM 1603. It should be noted that the program can also be stored in one or more memories other than ROM 1602 and RAM 1603. Processor 1601 can also perform various operations of the method flow according to the embodiment of the present disclosure by executing the program stored in the one or more memories.

[0192] According to an embodiment of the present disclosure, the electronic device 1600 may further include an input / output (I / O) interface 1605, which is also connected to the bus 1604. The electronic device 1600 may further include one or more of the following components connected to the I / O interface 1605: an input portion 1606 including a keyboard, a mouse, etc.; an output portion 1607 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage portion 1608 including a hard disk, etc.; and a communication portion 1609 including a network interface card such as a LAN card, a modem, etc. The communication portion 1609 performs communication processing via a network such as the Internet. A drive 1610 is also connected to the I / O interface 1605 as needed. A removable medium 1611, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 1610 as needed, so that a computer program read therefrom is installed into the storage portion 1608 as needed.

[0193] The present disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or may exist independently without being assembled into the device / apparatus / system. The above computer-readable storage medium carries one or more programs, and when the above one or more programs are executed, the method according to the embodiment of the present disclosure is implemented.

[0194] According to an embodiment of the present disclosure, a computer-readable storage medium may be a non-volatile computer-readable storage medium, for example, may include but is not limited to: a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof. In the present disclosure, a computer-readable storage medium may be any tangible medium containing or storing a program, which may be used by or in combination with an instruction execution system, an apparatus, or a device. For example, according to an embodiment of the present disclosure, a computer-readable storage medium may include the ROM 1602 and / or RAM 1603 described above and / or one or more memories other than ROM 1602 and RAM 1603.

[0195] The embodiment of the present disclosure also includes a computer program product, which includes a computer program, and the computer program contains program code for executing the method shown in the flowchart. When the computer program product is run in a computer system, the program code is used to enable the computer system to implement the item recommendation method provided by the embodiment of the present disclosure.

[0196] The above functions defined in the system / device of the embodiment of the present disclosure are performed when the computer program is executed by the processor 1601. According to the embodiment of the present disclosure, the system, device, module, unit, etc. described above can be implemented by a computer program module.

[0197] In one embodiment, the computer program may rely on tangible storage media such as optical storage devices, magnetic storage devices, etc. In another embodiment, the computer program may also be transmitted and distributed in the form of signals on a network medium, and downloaded and installed through the communication part 1609, and / or installed from the removable medium 1611. The program code contained in the computer program may be transmitted using any appropriate network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0198] In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 1609, and / or installed from the removable medium 1611. When the computer program is executed by the processor 1601, the above functions defined in the system of the embodiment of the present disclosure are performed. According to the embodiment of the present disclosure, the system, device, means, module, unit, etc. described above can be implemented by a computer program module.

[0199] According to an embodiment of the present disclosure, the program code for executing the computer program provided by the embodiment of the present disclosure can be written in any combination of one or more programming languages. Specifically, these computing programs can be implemented using high-level process and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, Java, C++, python, "C" language or similar programming languages. The program code can be executed entirely on the user computing device, partially on the user device, partially on the remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device can be connected to the user computing device through any type of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (for example, using an Internet service provider to connect through the Internet).

[0200] The flow charts and block diagrams in the accompanying drawings illustrate the possible architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0201] It will be appreciated by those skilled in the art that the features described in the various embodiments and / or claims of the present disclosure may be combined and / or combined in a variety of ways, even if such combinations and / or combinations are not explicitly described in the present disclosure. In particular, the features described in the various embodiments and / or claims of the present disclosure may be combined and / or combined in a variety of ways without departing from the spirit and teachings of the present disclosure. All of these combinations and / or combinations fall within the scope of the present disclosure.

[0202] The embodiments of the present disclosure are described above. However, these embodiments are only for illustrative purposes and are not intended to limit the scope of the present disclosure. Although the embodiments are described above separately, this does not mean that the measures in the various embodiments cannot be used in combination to advantage. The scope of the present disclosure is defined by the attached claims and their equivalents. Without departing from the scope of the present disclosure, those skilled in the art may make a variety of substitutions and modifications, which should all fall within the scope of the present disclosure.

Claims

1. A foreign exchange transaction limit control method, comprising: receiving a foreign exchange transaction request, wherein the foreign exchange transaction request carries debit currency information and credit currency information; Before determining the transaction scenario, parsing the foreign exchange transaction request to obtain the branch area where the foreign exchange transaction request is sent; Acquire a quota control rule set corresponding to the network point area, wherein the quota control rule set includes at least one preset quota control rule; Based on the debit currency information and the credit currency information, a transaction scenario is determined; if the debit currency and the credit currency are both preset currencies, the debit currency and the credit currency meet a first preset condition; if the credit currency is the local currency and the debit currency is a non-preset currency, the debit currency and the credit currency meet a second preset condition; if the debit currency is the local currency and the credit currency is a non-preset currency, the debit currency and the credit currency meet a third preset condition; if the debit currency and the credit currency are both non-preset currencies, the debit currency and the credit currency meet a fourth preset condition, and the preset currencies include the local currency and at least one foreign currency; the determining of the transaction scenario based on the debit currency information and the credit currency information includes: determining the transaction scenario based on the preset conditions satisfied by the debit currency information and the credit currency information; The available transaction amount is calculated based on the preset limit control rules corresponding to the transaction scenario; the available transaction amount is calculated based on the preset limit control rules corresponding to the transaction scenario, including: obtaining the identity information and historical transaction information of the initiator of the transaction request to determine the credit rating of the initiator; based on the credit rating, selecting the preset limit control rules corresponding to the initiator in the transaction scenario; and calculating the available transaction amount based on the preset limit control rules.

2. The method according to claim 1, wherein: The determining of the transaction scenario based on the preset conditions satisfied by the debit currency information and the credit currency information includes: Determining whether the debit currency and the credit currency meet a first preset condition; If the debit currency and the credit currency do not satisfy the first preset condition, determining whether the debit currency and the credit currency satisfy the second preset condition, and / or determining whether the debit currency and the credit currency satisfy the third preset condition; If the debit currency and the credit currency meet the second preset condition, the transaction scenario is determined to be an unknown foreign exchange purchase scenario; if the debit currency and the credit currency meet the third preset condition, the transaction scenario is determined to be an unknown foreign exchange settlement scenario. If the debit currency and the credit currency do not satisfy the second preset condition and do not satisfy the third preset condition, then determining whether the debit currency and the credit currency satisfy the fourth preset condition; If the debit currency and the credit currency meet the fourth preset condition, it is determined that the transaction scenario is an unknown dual foreign currency foreign exchange scenario.

3. The method according to claim 2, wherein: The determining of the transaction scenario based on the preset conditions satisfied by the debit currency information and the credit currency information further includes: If the debit currency and the credit currency meet the first preset condition, determining whether the debit currency or the credit currency is the local currency; If the debit currency is the local currency, the transaction scenario is determined to be a known foreign exchange purchase scenario; if the credit currency is the local currency, the transaction scenario is determined to be a known foreign exchange settlement scenario; if neither the debit currency nor the credit currency is the local currency, the transaction scenario is determined to be a known dual foreign currency foreign exchange scenario.

4. The method according to claim 1, wherein: The determining of the transaction scenario based on the debit currency information and the credit currency information includes: Determining a transaction scenario based on preset conditions in the limit control rule set satisfied by the debit currency information and the credit currency information; The transaction scenarios include known foreign exchange purchase scenarios, known foreign exchange settlement scenarios, known dual foreign currency foreign exchange scenarios, unknown foreign exchange purchase scenarios, unknown foreign exchange settlement scenarios and unknown dual foreign currency foreign exchange scenarios.

5. The method according to claim 1, wherein: The limit control rules include cumulative limit parties, cumulative limit currencies, cumulative limit periods and cumulative limit amounts. The preset limit control rules corresponding to the transaction scenarios are used to calculate the available transaction amount, including: Obtain the cumulative limit party, the cumulative limit currency, the cumulative limit period and the cumulative limit amount; Calculate the accumulated limit amount of the accumulated limit currency of the accumulated limit party within the accumulated limit period; The difference between the accumulated limit and the accumulated limit amount is calculated to obtain the available transaction limit.

6. The method according to claim 1, further comprising: After the foreign exchange transaction request is completed, the transaction record of the foreign exchange transaction request is stored to update the user's accumulated limit amount under the preset limit control rule.

7. A foreign exchange transaction limit control device, comprising: A receiving module, configured to receive a foreign exchange transaction request, wherein the foreign exchange transaction request carries debit currency information and credit currency information; A parsing module, used for parsing the foreign exchange transaction request to obtain the branch area where the foreign exchange transaction request is sent before the determination module determines the transaction scenario; An acquisition module, used to acquire a quota control rule set corresponding to the network point area, wherein the quota control rule set includes at least one preset quota control rule; A determination module, configured to determine a transaction scenario based on the debit currency information and the credit currency information; if the debit currency and the credit currency are both preset currencies, the debit currency and the credit currency meet a first preset condition; if the credit currency is the local currency and the debit currency is a non-preset currency, the debit currency and the credit currency meet a second preset condition; if the debit currency is the local currency and the credit currency is a non-preset currency, the debit currency and the credit currency meet a third preset condition; if the debit currency and the credit currency are both non-preset currencies, the debit currency and the credit currency meet a fourth preset condition, and the preset currencies include the local currency and at least one foreign currency; the determination module is specifically configured to determine a transaction scenario based on the preset conditions met by the debit currency information and the credit currency information; as well as A calculation module, used to calculate the available transaction amount based on the preset limit control rules corresponding to the transaction scenario; The calculation module includes: a second acquisition unit, used to obtain the identity information and historical transaction information of the initiator of the transaction request to determine the credit rating of the initiator; a selection module, used to select the preset limit control rule corresponding to the initiator in the transaction scenario based on the credit rating; and a third calculation unit, used to calculate the available transaction amount based on the preset limit control rule.

8. The device according to claim 7, wherein: The determining module comprises: A first judgment unit, used to judge whether the debit currency and the credit currency meet a first preset condition; a second judgment unit, configured to judge whether the debit currency and the credit currency meet a second preset condition, and / or judge whether the debit currency and the credit currency meet a third preset condition, if the judgment result of the first judgment unit is that the debit currency and the credit currency do not meet the first preset condition; a first determining unit, configured to determine that the transaction scenario is an unknown foreign exchange purchase scenario if the judgment result of the second judging unit is that the debit currency and the credit currency meet a second preset condition, and determine that the transaction scenario is an unknown foreign exchange settlement scenario if the debit currency and the credit currency meet a third preset condition, a third judgment unit, configured to judge whether the debit currency and the credit currency meet a fourth preset condition if the judgment result of the second judgment unit is that the debit currency and the credit currency do not meet the second preset condition and do not meet the third preset condition; The second determining unit is configured to determine that the transaction scenario is an unknown dual foreign currency foreign exchange scenario if the determination result of the third determining unit is that the debit currency and the credit currency meet a fourth preset condition.

9. The device according to claim 8, wherein: The determination module further includes a fourth determination unit, configured to determine whether the debit currency or the credit currency is the local currency if the determination result of the first determination unit is that the debit currency and the credit currency meet the first preset condition; The third determination unit is used to determine that the transaction scenario is a known foreign exchange purchase scenario if the debit currency is the local currency; if the credit currency is the local currency, determine that the transaction scenario is a known foreign exchange settlement scenario; if both the debit currency and the credit currency are foreign currencies, determine that the transaction scenario is a known dual foreign currency foreign exchange scenario.

10. The device according to claim 7, wherein: The determination module is also used to determine a transaction scenario based on preset conditions in the limit control rule set satisfied by the debit currency information and the credit currency information, the transaction scenario including a known foreign exchange purchase scenario, a known foreign exchange settlement scenario, a known dual foreign currency foreign exchange scenario, an unknown foreign exchange purchase scenario, an unknown foreign exchange settlement scenario and an unknown dual foreign currency foreign exchange scenario.

11. The device according to claim 7, wherein: The limit control rules include cumulative limit parties, cumulative limit currencies, cumulative limit periods and cumulative limit amounts. The calculation module includes: A first acquisition unit is used to acquire the cumulative limit party, the cumulative limit currency, the cumulative limit period and the cumulative limit amount; The first calculation unit is used to calculate the accumulated limit amount of the accumulated limit currency of the accumulated limit party within the accumulated limit period; The second calculation unit is used to calculate the difference between the accumulated limit amount and the accumulated limit amount to obtain the available transaction amount.

12. The device according to claim 7, wherein: The device also includes: The storage module is used to store the transaction record of the foreign exchange transaction request after the foreign exchange transaction request is completed, so as to update the accumulated limit amount of the user under the preset limit control rule.

13. An electronic device, comprising: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors execute the method according to any one of claims 1 to 6.

14. A computer-readable storage medium having executable instructions stored thereon, which, when executed by a processor, causes the processor to execute the method according to any one of claims 1 to 6.

15. A computer program product, comprising a computer program, wherein when the computer program is executed by a processor, the method according to any one of claims 1 to 6 is implemented.

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