Resource transfer quota control method, device, computer equipment and storage medium

Abstract

The present application relates to a resource transfer quota control method, device, computer equipment, storage medium and computer program product. The method includes: when receiving a resource expenditure request filed for a target expenditure account, querying the available quota of the upper-level quota account to which the target expenditure account belongs; if the resource expenditure value of the resource expenditure request does not exceed the available quota of the upper-level quota account to which the target expenditure account belongs, then making resource expenditures on the target expenditure account according to the resource expenditure request; after making resource expenditures on the target expenditure account according to the resource expenditure request, adjusting the available quota of the upper-level quota account to which the target expenditure account belongs in combination with the resource expenditure value. Only when it is determined that the resource expenditure value requested by the user does not exceed the available quota of the upper-level quota account to which the target expenditure account belongs, will resource expenditure be made, and the available quota of the upper-level quota account will be adjusted to limit the user's transfer quota and reduce quota waste.

Description

Technical Field

[0001] The present application relates to the technical field of big data resource scheduling, and in particular to a resource transfer quota control method, apparatus, computer equipment, storage medium, and computer program product. Background Art

[0002] With the rapid rise of the economy, various online resource transfer businesses have rapidly developed, leveraging mobile internet technology. Take credit lending, for example. As consumer spending shifts, demand for credit products is increasing. Credit service platforms assign credit applications to credit institutions based on relevant strategies, which then provide credit services to users, making their lives more convenient.

[0003] However, traditional resource transfer methods all provide corresponding types of transfer quotas based on applications submitted by users, which easily leads to quota waste. Summary of the Invention

[0004] Based on this, it is necessary to provide a resource transfer quota control method, device, computer equipment, storage medium and computer program product that can effectively reduce quota waste in response to the above technical problems.

[0005] In a first aspect, the present application provides a method for controlling resource transfer quotas. The method comprises:

[0006] Upon receiving a resource expenditure request for a target spending account, query the available credit limit of the parent credit limit account to which the target spending account belongs; the minimum credit limit of the target spending account is the difference between the credit limit of the parent node credit limit account and the sum of the credit limits of the sibling node credit limit accounts, and the maximum credit limit of the target spending account is the credit limit of the parent node credit limit account;

[0007] If the resource expenditure value of the resource expenditure request does not exceed the available credit limit of the parent credit limit account to which the target expenditure account belongs, resource expenditure is performed on the target expenditure account according to the resource expenditure request;

[0008] After resource expenditure is performed on the target spending account according to the resource expenditure request, the available credit limit of the upper-level credit limit account to which the target spending account belongs is adjusted in combination with the resource expenditure value.

[0009] In one embodiment, the available credit limit of the upper-level credit limit account is the difference between the initial credit limit and the used credit limit of the upper-level credit limit account.

[0010] In one embodiment, if the parent node credit limit account is a root node main credit limit account, querying the available credit limit of the upper-level credit limit account to which the target spending account belongs includes: querying the available credit limit of the root node main credit limit account.

[0011] In one embodiment, if the parent node credit limit account is not the root node main credit limit account, the query of the available credit limit of the upper-level credit limit account to which the target spending account belongs includes: querying the parent node credit limit account of the target payment account, and the parent node credit limit account of the parent node credit limit account of the target payment account, until the root node main credit limit account is found, and obtaining the available credit limit of all the credit accounts found.

[0012] In one embodiment, the method further includes: upon receiving a resource return request filed for a target spending account, returning resources to the target spending account according to the resource return request; and restoring the available credit limit of the superior credit limit account to which the target spending account belongs according to the resource return value of the resource return request.

[0013] In one embodiment, the method further includes: if the resource expenditure value of the resource expenditure request exceeds the available credit limit of the upper-level credit limit account to which the target spending account belongs, outputting a resource expenditure failure prompt message.

[0014] In a second aspect, the present application also provides a resource transfer quota control device. The device includes:

[0015] A credit query module is configured to, upon receiving a resource expenditure request for a target spending account, query the available credit of the parent credit account to which the target spending account belongs; the minimum credit of the target spending account is the difference between the credit of the parent node credit account and the sum of the credits of the sibling node credit accounts, and the maximum credit of the target spending account is the credit of the parent node credit account;

[0016] a resource expenditure module configured to, if the resource expenditure value of the resource expenditure request does not exceed the available credit limit of the parent credit limit account to which the target expenditure account belongs, perform resource expenditure on the target expenditure account according to the resource expenditure request;

[0017] The credit limit adjustment module is used to adjust the available credit limit of the upper credit limit account to which the target spending account belongs based on the resource spending value after the target spending account is resource spent according to the resource spending request.

[0018] In one embodiment, the available credit limit of the upper-level credit limit account is the difference between the initial credit limit and the used credit limit of the upper-level credit limit account.

[0019] In one embodiment, when the parent node credit account is a root node primary credit account, the credit query module queries the available credit of the root node primary credit account.

[0020] In one embodiment, when the parent node credit account is not the root node main credit account, the credit query module queries the parent node credit account of the target payment account and the parent node credit account of the parent node credit account of the target payment account until the root node main credit account is found, and obtains the available credit of all credit accounts found.

[0021] In one embodiment, the apparatus further comprises:

[0022] A resource return module, configured to, upon receiving a resource return request filed against a target spending account, return resources to the target spending account according to the resource return request;

[0023] The credit limit recovery module is used to restore the available credit limit of the upper-level credit limit account to which the target spending account belongs according to the resource return value of the resource return request.

[0024] In one embodiment, the apparatus further comprises:

[0025] The information prompt module is used to output a resource expenditure failure prompt message if the resource expenditure value of the resource expenditure request exceeds the available credit limit of the superior credit limit account to which the target expenditure account belongs.

[0026] In a third aspect, the present application further provides a computer device. The computer device includes a memory and a processor, wherein the memory stores a computer program, and when the processor executes the computer program, the following steps are performed:

[0027] Upon receiving a resource expenditure request for a target spending account, query the available credit limit of the parent credit limit account to which the target spending account belongs; the minimum credit limit of the target spending account is the difference between the credit limit of the parent node credit limit account and the sum of the credit limits of the sibling node credit limit accounts, and the maximum credit limit of the target spending account is the credit limit of the parent node credit limit account;

[0028] If the resource expenditure value of the resource expenditure request does not exceed the available credit limit of the parent credit limit account to which the target expenditure account belongs, resource expenditure is performed on the target expenditure account according to the resource expenditure request;

[0029] After resource expenditure is performed on the target spending account according to the resource expenditure request, the available credit limit of the upper-level credit limit account to which the target spending account belongs is adjusted in combination with the resource expenditure value.

[0030] In a fourth aspect, the present application further provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the following steps:

[0031] Upon receiving a resource expenditure request for a target spending account, query the available credit limit of the parent credit limit account to which the target spending account belongs; the minimum credit limit of the target spending account is the difference between the credit limit of the parent node credit limit account and the sum of the credit limits of the sibling node credit limit accounts, and the maximum credit limit of the target spending account is the credit limit of the parent node credit limit account;

[0032] If the resource expenditure value of the resource expenditure request does not exceed the available credit limit of the parent credit limit account to which the target expenditure account belongs, resource expenditure is performed on the target expenditure account according to the resource expenditure request;

[0033] After resource expenditure is performed on the target spending account according to the resource expenditure request, the available credit limit of the upper-level credit limit account to which the target spending account belongs is adjusted in combination with the resource expenditure value.

[0034] In a fifth aspect, the present application further provides a computer program product. The computer program product includes a computer program that, when executed by a processor, implements the following steps:

[0035] Upon receiving a resource expenditure request for a target spending account, query the available credit limit of the parent credit limit account to which the target spending account belongs; the minimum credit limit of the target spending account is the difference between the credit limit of the parent node credit limit account and the sum of the credit limits of the sibling node credit limit accounts, and the maximum credit limit of the target spending account is the credit limit of the parent node credit limit account;

[0036] If the resource expenditure value of the resource expenditure request does not exceed the available credit limit of the parent credit limit account to which the target expenditure account belongs, resource expenditure is performed on the target expenditure account according to the resource expenditure request;

[0037] After resource expenditure is performed on the target spending account according to the resource expenditure request, the available credit limit of the upper-level credit limit account to which the target spending account belongs is adjusted in combination with the resource expenditure value.

[0038] The above-mentioned resource transfer quota control method, device, computer equipment, storage medium and computer program product, when a user needs to request resource expenditure, needs to first determine the resource expenditure value requested by the user, and only make resource expenditure when it does not exceed the available quota of the upper-level quota account to which the target expenditure account belongs, and accordingly adjust the available quota of the upper-level quota account to which the target expenditure account belongs, so as to limit the user's transfer quota. The resource expenditure of the target expenditure account is limited by the available quota of the upper-level quota account to which it belongs, and the available quota of the upper-level quota account to which it belongs is adjusted again after the resource expenditure, further limiting the user's next resource expenditure operation on the target expenditure account, thereby avoiding the user from making unlimited resource transfer applications and effectively reducing quota waste. BRIEF DESCRIPTION OF THE DRAWINGS

[0039] Figure 1 This is a diagram of an application environment of a resource transfer quota control method in one embodiment;

[0040] Figure 2 1 is a flow chart of a resource transfer quota control method according to an embodiment;

[0041] Figure 3 A diagram of a hierarchical quota structure for resource transfer quota control in one embodiment;

[0042] Figure 4 A flowchart of a resource transfer quota control method in another embodiment;

[0043] Figure 5 A schematic diagram of consumption quota requirements in one embodiment;

[0044] Figure 6 A diagram showing a hierarchical credit structure for customer needs in one embodiment;

[0045] Figure 7 A schematic diagram of resource expenditure for resource transfer quota control in one embodiment;

[0046] Figure 8 A schematic diagram of resource return under resource transfer quota control in one embodiment;

[0047] Figure 9 is a structural block diagram of a resource transfer quota control device in one embodiment;

[0048] Figure 10 It is a structural block diagram of a resource transfer quota control device in another embodiment;

[0049] Figure 11 FIG. 1 is a diagram showing the internal structure of a computer device in one embodiment. DETAILED DESCRIPTION

[0050] In order to make the purpose, technical solutions and advantages of this application more clear, the following further describes this application in detail with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain this application and are not intended to limit this application.

[0051] The resource transfer quota control method provided in the embodiment of the present application can be applied to Figure 1In the application environment shown. Among them, the terminal 102 communicates with the server 104 through the network. The data storage system can store the data that the server 104 needs to process. The data storage system can be integrated on the server 104, or it can be placed on the cloud or other network servers. The user can submit a resource expenditure request to the server 104 through the terminal 102. The server 104 analyzes the resource expenditure value of the resource expenditure request. When it does not exceed the available limit of the upper-level credit account to which the target expenditure account belongs, the target expenditure account is subjected to resource expenditure according to the resource expenditure request, and the available limit of the upper-level credit account to which the target expenditure account belongs is adjusted based on the resource expenditure value. Among them, the terminal 102 can be, but is not limited to, various personal computers, laptops, smart phones, tablets, Internet of Things devices and portable wearable devices. The Internet of Things devices can be smart speakers, smart TVs, smart air conditioners, smart car-mounted devices, etc. Portable wearable devices can be smart watches, smart bracelets, head-mounted devices, etc. The server 104 can be implemented as an independent server or a server cluster consisting of multiple servers.

[0052] In one embodiment, Figure 2 As shown, a resource transfer quota control method is provided, which is applied to Figure 1 The server 104 in FIG. 1 is used as an example for explanation. In this embodiment, the method includes the following steps:

[0053] Step S100: Upon receiving a resource expenditure request for a target spending account, query the available credit of the parent credit account to which the target spending account belongs. The parent credit account includes the parent credit account of the target payment account. If the target spending account has sibling credit accounts, the sum of the credit limits of the sibling credit accounts is less than or equal to the credit limit of the parent credit account. The minimum credit limit of the target spending account is the difference between the credit limit of the parent credit account and the sum of the credit limits of the sibling credit accounts. The maximum credit limit of the target spending account is the credit limit of the parent credit account.

[0054] Among them, a two-layer, three-layer or more-level credit tree can be established according to actual needs. The first layer is the root node main credit account, and the second layer contains several sub-credit accounts and a spending account under the root node main credit account. Each sub-credit account of the second layer can be linked to several sub-credit accounts and at least one spending account, and so on. You can get level 4 credit, level 5 credit account and spending account, etc. The credit account only records the credit, not the principal. Each credit account is allocated an initial credit, and the expenditure and repayment of resources occur in the spending account. The parent node credit account of the payment account may be a sub-credit account or a root node main credit account. For example, Figure 3As shown, the root node main credit account has sub-credit accounts 1 to sub-credit account n, as well as spending account 1, under which sub-credit account 1 is attached sub-credit accounts 11 to sub-credit account 1n, as well as spending account 11. Therefore, spending account 1's sibling credit accounts are sub-credit accounts 1 to sub-credit account n, and spending account 1's parent credit account is the root node main credit account; in addition, spending account 11's sibling credit accounts are sub-credit accounts 11 to sub-credit account 1n, and spending account 11's parent credit account is sub-credit account 1. Taking spending account 11 as an example, the sum of the credit limits of its sibling credit accounts (sub-credit accounts 11 through 1n) is less than or equal to the credit limit of sub-credit account 1. The minimum credit limit of spending account 11 is the difference between the credit limit of sub-credit account 1 and the sum of the credit limits of sub-credit accounts 11 through 1n. The maximum credit limit of spending account 11 is the credit limit of sub-credit account 1. Resource types are not unique and can include funds, cash coupons, points, and more.

[0055] Specifically, different spending accounts can be used as resource expenditures for different purposes according to actual needs. When a user needs to spend resources for a certain purpose, the corresponding spending account can be used as the target spending account to initiate a resource expenditure request. The resource expenditure request can specifically include information such as the resource expenditure value, the requested expenditure time, and the expected return time. After receiving the resource expenditure request initiated by the user, the server finds the parent credit account to which the target spending account belongs in combination with the multi-layer credit tree. Among them, the parent credit account to which the target spending account belongs at least includes its parent node credit account. If the parent node credit account of the target spending account also has a parent node credit account, the parent credit account to which the target spending account belongs also includes the parent node credit account of its parent node credit account, until it includes the root node main credit account. For example, if Figure 3 As shown, the upper-level credit account to which the spending account 1 belongs includes the root node main credit account, and the upper-level credit account to which the spending account 11 belongs includes the sub-credit account 1 and the root node main credit account.

[0056] After determining the upper-level credit account to which the target spending account belongs, further determine the available credit of the upper-level credit account. Specifically, the available credit of the upper-level credit account is the difference between the initial credit of the upper-level credit account and the credit that has been spent. Each credit account is assigned an initial credit, that is, the available resources when no resource transfer occurs. It can be understood that if the user makes a resource expenditure request for the first time, the initial credit of the upper-level credit account to which the target spending account belongs is the available credit of the upper-level credit account. Conversely, if the user does not make a resource expenditure request for the first time, the available credit of the upper-level credit account to which the target spending account belongs is the difference between the initial credit and the credit that has been spent. Continue as Figure 3As shown, if the initial credit limit of the root node main credit limit account is X and the spent credit limit is Y, then the available credit limit of the upper-level credit limit account to which spending account 1 belongs, that is, the root node main credit limit account, is XY.

[0057] Step S200: If the resource expenditure value of the resource expenditure request does not exceed the available credit limit of the upper-level credit limit account to which the target expenditure account belongs, resource expenditure is performed on the target expenditure account according to the resource expenditure request.

[0058] After determining the available credit limit of the parent credit account to which the target spending account belongs, the server compares the resource expenditure value requested by the user with the available credit limit of the corresponding parent credit account. If the resource expenditure value requested by the user does not exceed the available credit limit of any parent credit account to which the target spending account belongs, the resource expenditure is allowed. The resource expenditure operation is performed on the target spending account according to the resource expenditure request, and the resource value spent is recorded in the target spending account this time.

[0059] Step S300: After making resource expenditures on the target spending account according to the resource expenditure request, the available credit limit of the upper-level credit limit account to which the target spending account belongs is adjusted based on the resource expenditure value.

[0060] After the target spending account has been resource-expended, the server also adjusts the available credit limit of the parent credit limit account to which the target spending account belongs based on the value of this resource expenditure operation, so as to facilitate the next resource support operation. Figure 3 As shown, taking the upper-level credit account to which expenditure account 1 belongs, that is, the root node main credit account, whose available credit limit is XY as an example, if the user requests to spend the credit limit of expenditure account 1 this time is Z, then after adjusting the available credit limit of the root node main credit account, the available credit limit of the root node main credit account is XYZ.

[0061] According to the above resource transfer quota control method, when a user needs to request resource expenditure, it is necessary to first determine the resource expenditure value requested by the user, and only make resource expenditure when it does not exceed the available quota of the superior quota account to which the target expenditure account belongs, and adjust the available quota of the superior quota account to which the target expenditure account belongs accordingly to limit the user's transfer quota, thereby avoiding the user from making unlimited resource transfer applications and effectively reducing quota waste.

[0062] In one embodiment, if the parent node credit account is the root node main credit account, querying the available credit of the upper credit account to which the target spending account belongs in step S100 includes: querying the available credit of the root node main credit account. Figure 3As shown, taking Expenditure Account 1 as the target expenditure account, whose parent node credit account is the root node primary credit account, the available credit of the root node primary credit account is queried. Correspondingly, in step S200, the resource expenditure value of the resource expenditure request is compared with the available credit of the root node primary credit account to determine whether the resource expenditure value requested by the user exceeds the available credit of the root node primary credit account.

[0063] In another embodiment, if the parent node credit account is not the root node main credit account, the available credit of the upper-level credit account to which the target spending account belongs is queried in step S100, including: querying the parent node credit account of the target payment account, and the parent node credit account of the parent node credit account of the target payment account, until the root node main credit account is found, and obtaining the available credit of all the credit accounts found. Figure 3 As shown, taking expenditure account 11 as the target expenditure account, its parent node credit account is sub-credit account 1, and the parent node credit account of sub-credit account 1 is the root node main credit account, then the available credit of sub-credit account 1 and the root node main credit account are queried. Correspondingly, in step S200, the resource expenditure value of the resource expenditure request is compared with the available credit of sub-credit account 1 and the root node main credit account to determine whether the resource expenditure value requested by the user exceeds the available credit of sub-credit account 1 and the root node main credit account.

[0064] In one embodiment, Figure 4 As shown, the method further includes step S400 and step S500.

[0065] Step S400: Upon receiving a resource return request for a target spending account, the server performs a resource return operation on the target spending account according to the resource return request. After a user requests resource expenditure for a specific spending account, the user may also initiate a resource return request for the spending account to perform a resource return operation. The resource return request may also include information such as the resource return value and resource return time. After receiving the resource return request initiated by the user, the server performs a resource return operation on the target spending account according to the resource return value provided by the user and reduces the corresponding expenditure value under the current target spending account.

[0066] Step S500: Restore the available credit of the upper-level credit account to which the target spending account belongs according to the resource return value of the resource return request. After completing the resource return operation on the target spending account, the server also restores the available credit of the upper-level credit account to which the target spending account belongs according to the returned resource value, so as to make the next resource expenditure application. Figure 4As shown, taking the available credit limit of the upper-level credit limit account to which the spending account 1 belongs, that is, the root node main credit limit account, as XY as an example, after the user returns the resources of value A to the spending account 1, the available credit limit of the root node main credit limit account is restored to X-Y+A.

[0067] In addition, in one embodiment, the method further includes step S600: if the resource expenditure value of the resource expenditure request exceeds the available credit limit of the parent credit account to which the target spending account belongs, outputting a resource expenditure failure prompt message. If the resource expenditure value requested by the user exceeds the available credit limit of any parent credit account to which the target spending account belongs, the resource expenditure request is prohibited, and a resource expenditure failure prompt message is output to inform the user. There are various ways to output the resource expenditure failure prompt message, and the method may include outputting text, images, or other information to a display or mobile terminal for display, or sending a text message to the user's mobile phone.

[0068] To facilitate a better understanding of the above-mentioned resource transfer quota control method, the following is a detailed explanation using credit loan quota control as an example.

[0069] As consumer finance products mature, customers are increasingly seeking customized and personalized products, and demand for segmented loan limits continues to grow. Traditional credit products are unable to meet this market demand. For example, a customer applies for a 100,000 yuan consumer loan and wishes to split the line into two parts: a general consumption limit and a family emergency limit. Under normal circumstances, the family emergency limit is 20,000 yuan, and the general consumption limit is 80,000 yuan. In special circumstances, the family emergency limit can be offset against the general consumption limit. Furthermore, within the 80,000 yuan general consumption limit, the customer wishes to allocate 30,000 yuan for daily household expenses and 50,000 yuan for major purchases such as mobile phones and appliances. Similarly, in special circumstances, the daily household expenditure limit can be offset against the major purchase limit.

[0070] In other words, the customer hopes that the 100,000 yuan consumer loan limit will first guarantee the family's emergency expenses, which can be spent up to 100,000 yuan, followed by ordinary family expenses, which can be spent up to 80,000 yuan, and finally commodity consumption, which can be spent up to 50,000 yuan. Figure 5 As shown, the total consumption amount is 100,000 yuan, family emergency expenses are 20,000-100,000 yuan, family daily expenses are 0-80,000 yuan, and commodity consumption is 0-50,000 yuan.

[0071] for Figure 5Existing commercial banks' credit products don't offer a perfect solution for this need. Customers can only apply for a separate credit line for each need: a 100,000 yuan line for emergency expenses, an 80,000 yuan line for general household expenses, and a 50,000 yuan line for bulk commodity purchases. These three lines are independent and unconnected. The existing solution presents two problems: First, for customers, applying for three credit lines complicates management and makes it difficult to control total household spending, increasing the risk of delinquency and reducing the customer experience. Second, for banks, allocating three independent credit lines to a single customer makes it impossible to manage operational risks. Furthermore, a single customer has already used a cumulative 230,000 yuan, wasting valuable credit resources.

[0072] With the development of society, people's consumption concepts are changing, and the requirements for credit products are getting higher and higher. The credit products provided by existing commercial banks are highly homogenized and cannot meet market demand. Based on this, I would like to provide a design and implementation scheme for tiered credit lines of commercial banks, conduct tiered credit line application and multi-layer control design, and the overall structure is as follows: Figure 3 The relevant terms are explained as follows:

[0073] Tiered credit limit: refers to a credit limit management method in which the credit limit is divided into several tiers in the design of commercial bank credit products to achieve tiered credit limit management and tiered control.

[0074] Credit limit account: In the tiered credit limit design, an account used to record and control the amount of expenditure. It has no principal or balance and does not bear interest.

[0075] Spending account: In the tiered credit limit design, the account used for actual spending. After the account is spent, the corresponding principal is recorded.

[0076] Initial credit limit: The amount available for use after a credit limit account is applied for and no fund transactions occur.

[0077] Available credit limit: The amount that can be continued to be spent as recorded in the credit limit account. Generally, this value = initial credit limit – amount already spent.

[0078] from Figure 3 As you can see, accounts are divided into two types: credit accounts and expenditure accounts. Credit accounts only record the credit limit, not the principal. They can be further divided into sub-credit accounts, and each credit account can be linked to a expenditure account. All fund expenditures occur on the expenditure account.

[0079] The first level of the layered credit line design must be the main credit line account, which is the total credit line that the customer can apply for at the credit institution. Several sub-credit line accounts can be linked to the main credit line account, such as Figure 3Sub-quota 1, Sub-quota 2, ..., Sub-quota n in level 2. These sub-quota accounts divide the main quota account into different quotas. The total quota of the sub-quota accounts cannot exceed the main quota account. Each sub-quota account can have several sub-quota accounts, such as Figure 3 In Level 3, there are Sub-Limit 11, Sub-Limit 12, ..., Sub-Limit 1n, Sub-Limit 21, Sub-Limit 22, ..., Sub-Limit 2n, and so on. These sub-Limit accounts also divide their parent-level Limit accounts into different Limits. Similarly, we have Level 4 Limit accounts, Level 5 Limit accounts, and so on. Each Limit account can be linked to a spending account, which can be used to spend and repay funds, and each spending account is controlled by the parent-level Limit account.

[0080] Figure 3 This structure is similar to an inverted tree, so it is also called a credit tree structure diagram. Figure 3 As you can see, each spending account or sub-credit account can find its parent node, and continuing upwards, you can find the root node, which is the main credit account. During credit control, each spending account's funds will first check whether the spending amount exceeds the available credit limit of the upper-level sub-credit account, then check whether the spending amount exceeds the available credit limit of the upper-level sub-credit account, and finally check whether the spending amount exceeds the available credit limit of the main credit account. Similarly, each time funds are returned to a spending account, the available credit limit of the upper-level sub-credit account will be restored first, then the available credit limit of the upper-level sub-credit account, and finally the available credit limit of the main credit account will be restored.

[0081] Below Figure 5 Taking the needs of as an example, this paper introduces in detail the practical application of tiered credit limit design and the many advantages of this design in actual use.

[0082] 1. Tiered application

[0083] according to Figure 5 If you need to meet your needs, you can first apply for the following tiered credit accounts:

[0084] (1) “The customer needs a consumer loan limit of RMB 100,000” – he or she can apply for a primary loan limit account of RMB 100,000.

[0085] (2) "The customer wishes to divide the credit limit into two parts: ordinary consumption credit limit and family emergency credit limit. Under normal circumstances, the family emergency credit limit is 20,000 yuan and the ordinary consumption credit limit is 80,000 yuan. In special circumstances, the family emergency expenditure limit can squeeze out the ordinary consumption credit limit." - Apply for a sub-credit account 1 of 80,000 yuan and a spending account 1 under the main credit limit account.

[0086] (3) "Of the 80,000 yuan ordinary consumption limit, the customer hopes to use 30,000 yuan for daily household expenses and another 50,000 yuan for the purchase of major commodities such as mobile phones and home appliances. Similarly, under special circumstances, the daily household expenditure limit can squeeze out the consumption limit for major commodities." - Under the 80,000 yuan sub-limit account 1, apply for a 50,000 yuan sub-limit account 11 and a spending account 11. Finally, under the sub-limit account 11, apply for a spending account 111.

[0087] The hierarchical quota tree diagram is as follows Figure 6 As shown. Figure 6 As shown, there are three spending accounts, namely spending 1, spending 11 and spending account 111.

[0088] Spending Account 1 is used for household emergency expenses. It is linked to the main credit line account and is only subject to the main credit line account's restrictions. Therefore, its maximum credit line is 100,000 yuan; the minimum credit line is 20,000 yuan, that is, the main credit line (100,000 yuan) - Sub-credit line 1 account (80,000 yuan).

[0089] Spending Account 11 is used for daily household expenses and is linked to Sub-Line Account 1. Its maximum limit is 80,000 yuan; under normal circumstances, its minimum limit is 30,000 yuan, that is, Sub-Line Account 1 (80,000 yuan) - Sub-Line Account 11 (50,000 yuan). However, it is also affected by Spending Account 1. If Spending Account 1 exceeds 20,000 yuan, the main line cannot guarantee the 80,000 yuan limit of Sub-Line Account 1. Therefore, in special circumstances, the minimum limit of Spending Account 11 may be 0.

[0090] Similarly, spending account 111 is used for large-value commodity consumption and is registered under sub-limit account 11. Its maximum limit is 50,000 yuan; the minimum limit is affected by spending account 1 and spending account 11, and the minimum limit may be 0.

[0091] It can be seen that the tiered credit limit system prioritizes the three spending accounts, with spending account 1 having the highest priority, followed by spending account 11, and then spending account 111, meeting customer needs and using funds for the most important expenses.

[0092] 2. Fund expenditure

[0093] As mentioned above, only spending accounts can make fund expenditures and repayments. The following describes how to handle fund expenditures in spending accounts at different levels, such as Figure 7 shown.

[0094] When a 10,000 yuan expenditure is made in Account 1, the main credit account is checked first. The available credit in this account is 100,000 yuan, which can be spent normally. After the expenditure is made, the available credit in the main credit account becomes 100,000 yuan – 100,000 yuan = 90,000 yuan.

[0095] When a 20,000 yuan expenditure is made from spending account 11, the available credit limit in sub-credit account 1 is checked first, and the available credit limit is now 80,000 yuan. The available credit limit in the main credit account is then checked, and the available credit limit is now 90,000 yuan, allowing the expenditure to proceed normally. After the expenditure, the available credit limit in sub-credit account 1 becomes 8-20,000 yuan = 60,000 yuan, and the available credit limit in the main credit account becomes 9-20,000 yuan = 70,000 yuan.

[0096] When a 30,000 yuan expenditure is made from spending account 111, the available credit limit in sub-credit account 11 is checked first, and the available credit limit is now 50,000 yuan. Sub-credit account 1 is checked next, and the available credit limit is now 60,000 yuan. Finally, the available credit limit in the main credit account is checked, and the available credit limit is now 70,000 yuan, allowing normal expenditure. After the expenditure, the available credit limit in sub-credit account 11 becomes 50,000 yuan – 30,000 yuan = 20,000 yuan, while the available credit limit in sub-credit account 1 becomes 60,000 yuan – 30,000 yuan = 30,000 yuan, and the available credit limit in the main credit account becomes 70,000 yuan – 30,000 yuan = 40,000 yuan.

[0097] In other words, when a spending account is used, the available credit limit of its parent sub-credit account is checked first, followed by the available credit limit of the parent sub-credit account, and so on, and finally the available credit limit of the master credit account is checked. If the checks are successful, the spending account increases the principal, then reduces the available credit limit of the parent sub-credit account, then reduces the available credit limit of the parent sub-credit account, and finally reduces the available credit limit of the master credit account.

[0098] 3. Return of Funds

[0099] When funds are returned, they are also processed from bottom to top. First, the principal of the spending account is reduced, then the available credit limit of the upper-level sub-credit account is increased, then the available credit limit of the upper-level sub-credit account is increased, and finally the available credit limit of the main credit account is increased. Figure 7 On this basis, if the 111 account is used to return 20,000 yuan of funds, such as Figure 8 As shown, the available credit limit of sub-credit account 11 becomes 2+2=40,000 yuan, while the available credit limit of sub-credit account 1 becomes 3+2=50,000 yuan, and the available credit limit of the main credit account becomes 4+2=60,000 yuan.

[0100] The tiered credit application solution provided in this application effectively addresses the challenges of credit line segmentation and unified control that are unattainable with existing credit products. This not only perfectly addresses user-specific needs at the application level, improving product competitiveness and increasing customer retention, but also conserves credit line resources for credit institutions and effectively controls credit risk.

[0101] It should be understood that, although the various steps in the flowcharts involved in the various embodiments described above are displayed in sequence according to the instructions of the arrows, these steps are not necessarily executed in sequence in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order restriction on the execution of these steps, and these steps can be executed in other orders. Moreover, at least a portion of the steps in the flowcharts involved in the various embodiments described above can include multiple steps or multiple stages, and these steps or stages are not necessarily executed and completed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a portion of steps or stages in other steps.

[0102] Based on the same inventive concept, embodiments of the present application also provide a resource transfer quota control device for implementing the resource transfer quota control method involved above. The implementation solution provided by this device is similar to the implementation solution described in the above method. Therefore, the specific limitations of one or more resource transfer quota control device embodiments provided below can be found in the above-mentioned limitations of the resource transfer quota control method and will not be repeated here.

[0103] In one embodiment, Figure 9 As shown, a resource transfer quota control device is provided, comprising: a quota query module 100, a resource expenditure module 200 and a quota adjustment module 300, wherein:

[0104] The credit limit query module 100 is configured to query the available credit limit of the parent credit limit account to which the target spending account belongs upon receiving a resource expenditure request for the target spending account. The parent credit limit account includes the parent credit limit account of the target payment account. If the target spending account has sibling credit limit accounts, the sum of the credit limits of the sibling credit limit accounts is less than or equal to the credit limit of the parent credit limit account. The minimum credit limit of the target spending account is the difference between the credit limit of the parent credit limit account and the sum of the credit limits of the sibling credit limit accounts. The maximum credit limit of the target spending account is the credit limit of the parent credit limit account.

[0105] The resource expenditure module 200 is configured to make resource expenditures on the target spending account according to the resource expenditure request if the resource expenditure value of the resource expenditure request does not exceed the available credit limit of the parent credit account to which the target spending account belongs. In one embodiment, the available credit limit of the parent credit account is the difference between the initial credit limit of the parent credit account and the spent credit limit.

[0106] The credit limit adjustment module 300 is used to adjust the available credit limit of the upper-level credit limit account to which the target spending account belongs based on the resource spending value after the target spending account is paid resources according to the resource spending request.

[0107] In one embodiment, when the parent node credit account is the root node primary credit account, the credit query module 100 queries the available credit of the root node primary credit account.

[0108] In one embodiment, when the parent node credit account is not the root node main credit account, the credit query module 100 queries the parent node credit account of the target payment account and the parent node credit account of the parent node credit account of the target payment account until the root node main credit account is found, and obtains the available credit of all the credit accounts found.

[0109] In one embodiment, Figure 10 As shown, the device further includes a resource return module 400 and a credit recovery module 500, wherein:

[0110] The resource return module 400 is configured to, upon receiving a resource return request filed against a target spending account, return resources to the target spending account according to the resource return request.

[0111] The credit limit recovery module 500 is used to recover the available credit limit of the upper-level credit limit account to which the target spending account belongs according to the resource return value of the resource return request.

[0112] In addition, in one embodiment, the device further includes an information prompt module configured to output a resource expenditure failure prompt message if the resource expenditure value of the resource expenditure request exceeds the available credit limit of the parent credit limit account to which the target expenditure account belongs.

[0113] Each module in the resource transfer quota control device can be implemented in whole or in part through software, hardware, or a combination thereof. Each module can be embedded in or independent of a processor in a computer device in hardware form, or can be stored in a memory in the computer device in software form, so that the processor can call and execute the corresponding operations of each module.

[0114] In one embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as follows: Figure 11 As shown. The computer device includes a processor, a memory, and a network interface connected via a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of the operating system and computer program in the non-volatile storage medium. The database of the computer device is used to store available credit data of a credit account. The network interface of the computer device is used to communicate with an external terminal via a network connection. When the computer program is executed by the processor, a resource transfer credit control method is implemented.

[0115] Those skilled in the art will understand that Figure 11 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than shown in the figure, or combine certain components, or have a different component arrangement.

[0116] In one embodiment, a computer device is provided, comprising a memory and a processor, wherein a computer program is stored in the memory, and the processor implements the following steps when executing the computer program: upon receiving a resource expenditure request filed for a target spending account, querying the available credit limit of the superior credit limit account to which the target spending account belongs; wherein the superior credit limit account includes the parent node credit limit account of the target payment account, and if the target spending account has a sibling node credit limit account, the sum of the credit limits of the sibling node credit accounts is less than or equal to the credit limit of the parent node credit account; the minimum credit limit of the target spending account is the difference between the credit limit of the parent node credit account and the sum of the credit limits of the sibling node credit accounts, and the maximum credit limit of the target spending account is the credit limit of the parent node credit account; if the resource expenditure value of the resource expenditure request does not exceed the available credit limit of the superior credit limit account to which the target spending account belongs, resource expenditure is performed on the target spending account according to the resource expenditure request; after resource expenditure is performed on the target spending account according to the resource expenditure request, the available credit limit of the superior credit limit account to which the target spending account belongs is adjusted in combination with the resource expenditure value.

[0117] In one embodiment, when the processor executes the computer program, the following steps are further implemented: when the parent node credit account is the root node primary credit account, query the available credit of the root node primary credit account.

[0118] In one embodiment, the processor also implements the following steps when executing the computer program: when the parent node credit limit account is not the root node main credit limit account, query the parent node credit limit account of the target payment account, and the parent node credit limit account of the parent node credit limit account of the target payment account until the root node main credit limit account is found, and obtain the available credit limits of all credit accounts found.

[0119] In one embodiment, when the processor executes the computer program, it also implements the following steps: when receiving a resource return request filed for a target spending account, returning resources to the target spending account according to the resource return request; and restoring the available credit limit of the parent credit limit account to which the target spending account belongs according to the resource return value of the resource return request.

[0120] In one embodiment, when the processor executes the computer program, the following steps are further implemented: if the resource expenditure value of the resource expenditure request exceeds the available credit limit of the parent credit limit account to which the target spending account belongs, a resource expenditure failure prompt message is output.

[0121] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored, and when the computer program is executed by a processor, the following steps are implemented: when a resource expenditure request filed for a target spending account is received, the available credit limit of the superior credit limit account to which the target spending account belongs is queried; wherein the superior credit limit account includes the parent node credit limit account of the target payment account, and if the target spending account has a sibling node credit limit account, the sum of the credit limits of the sibling node credit accounts is less than or equal to the credit limit of the parent node credit account; the minimum credit limit of the target spending account is the difference between the credit limit of the parent node credit account and the sum of the credit limits of the sibling node credit accounts, and the maximum credit limit of the target spending account is the credit limit of the parent node credit account; if the resource expenditure value of the resource expenditure request does not exceed the available credit limit of the superior credit limit account to which the target spending account belongs, resource expenditure is performed on the target spending account according to the resource expenditure request; after resource expenditure is performed on the target spending account according to the resource expenditure request, the available credit limit of the superior credit limit account to which the target spending account belongs is adjusted in combination with the resource expenditure value.

[0122] In one embodiment, when the computer program is executed by the processor, the following steps are further implemented: when the parent node credit account is the root node primary credit account, query the available credit of the root node primary credit account.

[0123] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: when the parent node credit limit account is not the root node main credit limit account, the parent node credit limit account of the target payment account and the parent node credit limit account of the parent node credit limit account of the target payment account are queried until the root node main credit limit account is found, and the available credit limits of all credit accounts found are obtained.

[0124] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: when a resource return request is received for a target spending account, resources are returned to the target spending account according to the resource return request; and according to the resource return value of the resource return request, the available credit limit of the parent credit limit account to which the target spending account belongs is restored.

[0125] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: if the resource expenditure value of the resource expenditure request exceeds the available credit limit of the parent credit limit account to which the target spending account belongs, a resource expenditure failure prompt message is output.

[0126] In one embodiment, a computer program product is provided, comprising a computer program, which, when executed by a processor, implements the following steps: upon receiving a resource expenditure request filed for a target spending account, querying the available credit limit of a superior credit limit account to which the target spending account belongs; wherein the superior credit limit account includes the parent node credit limit account of the target payment account, and if the target spending account has a sibling node credit limit account, the sum of the credit limits of the sibling node credit accounts is less than or equal to the credit limit of the parent node credit account; the minimum credit limit of the target spending account is the difference between the credit limit of the parent node credit account and the sum of the credit limits of the sibling node credit accounts, and the maximum credit limit of the target spending account is the credit limit of the parent node credit account; if the resource expenditure value of the resource expenditure request does not exceed the available credit limit of the superior credit limit account to which the target spending account belongs, resource expenditure is performed on the target spending account according to the resource expenditure request; after resource expenditure is performed on the target spending account according to the resource expenditure request, the available credit limit of the superior credit limit account to which the target spending account belongs is adjusted in combination with the resource expenditure value.

[0127] In one embodiment, when the computer program is executed by the processor, the following steps are further implemented: when the parent node credit account is the root node primary credit account, query the available credit of the root node primary credit account.

[0128] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: when the parent node credit limit account is not the root node main credit limit account, the parent node credit limit account of the target payment account and the parent node credit limit account of the parent node credit limit account of the target payment account are queried until the root node main credit limit account is found, and the available credit limits of all credit accounts found are obtained.

[0129] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: when a resource return request is received for a target spending account, resources are returned to the target spending account according to the resource return request; and according to the resource return value of the resource return request, the available credit limit of the parent credit limit account to which the target spending account belongs is restored.

[0130] In one embodiment, when the computer program is executed by the processor, the following steps are also implemented: if the resource expenditure value of the resource expenditure request exceeds the available credit limit of the parent credit limit account to which the target spending account belongs, a resource expenditure failure prompt message is output.

[0131] Those skilled in the art will appreciate that all or part of the processes in the above-mentioned embodiment methods can be implemented by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, database or other media used in the embodiments provided in this application may include at least one of non-volatile and volatile memory. Non-volatile memory may include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory may include random access memory (RAM) or external cache memory, etc. By way of illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in the various embodiments provided herein may include at least one of a relational database and a non-relational database. Non-relational databases may include, but are not limited to, distributed databases based on blockchains. The processor involved in the various embodiments provided herein may be, but are not limited to, a general-purpose processor, a central processing unit, a graphics processing unit, a digital signal processor, a programmable logic unit, a data processing logic unit based on quantum computing, and the like.

[0132] The technical features of the above embodiments can be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0133] The above-described embodiments merely represent several implementation methods of the present application. While the descriptions are relatively specific and detailed, they should not be construed as limiting the scope of the present application. It should be noted that a person of ordinary skill in the art may make various modifications and improvements without departing from the spirit of the present application, and these modifications and improvements fall within the scope of protection of the present application. Therefore, the scope of protection of the present application shall be determined by the appended claims.

Claims

1. A resource transfer quota control method, characterized in that: The method comprises: Upon receiving a resource expenditure request filed against a target spending account, querying the available credit limit of the upper-level credit account to which the target spending account belongs; the minimum credit limit of the target spending account is the difference between the credit limit of the parent node credit account and the sum of the credit limits of the sibling node credit accounts, and the maximum credit limit of the target spending account is the credit limit of the parent node credit account. Querying the available credit limit of the upper-level credit account to which the target spending account belongs includes: finding the upper-level credit account to which the target spending account belongs from a credit limit tree with a multi-layer structure, and determining the available credit limit of the upper-level credit account, the target spending account is any spending account, and the available credit limit of the upper-level credit account is the difference between the initial credit limit of the upper-level credit account and the spent credit limit; Among them, in the credit tree, the first level is the root node main credit account, the second level includes several sub-credit accounts and a spending account under the root node main credit account, and the next level of each sub-credit account includes several sub-credit accounts and at least one spending account. The credit account records the credit but not the principal. Each credit account is allocated an initial credit. Each spending account is an account where resources are spent and returned. The credit account of the upper level to which the target spending account belongs is the parent node of the target spending account. A credit account is a credit account of a sibling node of the target spending account, and the credit account of the sibling node of the target spending account is a credit account that belongs to the same parent node credit account as the target spending account. The upper-level credit account to which the target spending account belongs includes at least the parent node credit account of the target spending account in the credit tree. If the parent node credit account of the target spending account in the credit tree has a parent node credit account, the upper-level credit account to which the target spending account belongs also includes the parent node credit account of the parent node credit account, until including the root node main credit account; If the resource expenditure value of the resource expenditure request does not exceed the available credit limit of the parent credit limit account to which the target expenditure account belongs, resource expenditure is performed on the target expenditure account according to the resource expenditure request; After resource expenditure is performed on the target spending account according to the resource expenditure request, the available credit limit of the upper-level credit limit account to which the target spending account belongs is adjusted in combination with the resource expenditure value.

2. The method according to claim 1, characterized in that If the parent node credit limit account is a root node main credit limit account, querying the available credit limit of the upper-level credit limit account to which the target spending account belongs includes: querying the available credit limit of the root node main credit limit account.

3. The method according to claim 1, characterized in that If the parent node credit account is not the root node main credit account, the query of the available credit of the upper-level credit account to which the target spending account belongs includes: querying the parent node credit account of the target spending account, and the parent node credit account of the parent node credit account of the target spending account, until the root node main credit account is found, and obtaining the available credit of all the credit accounts found.

4. The method according to claim 1, wherein Also includes: Upon receiving a resource return request for a target spending account, returning resources to the target spending account according to the resource return request; According to the resource return value of the resource return request, the available credit limit of the upper-level credit limit account to which the target spending account belongs is restored.

5. The method according to any one of claims 1 to 4, characterized in that The method further comprises: If the resource expenditure value of the resource expenditure request exceeds the available credit limit of the parent credit limit account to which the target spending account belongs, a resource expenditure failure prompt message is output.

6. A resource transfer quota control device, characterized in that: The device comprises: A credit query module is configured to query the available credit of the upper-level credit account to which the target spending account belongs upon receiving a resource expenditure request filed against the target spending account; the minimum credit of the target spending account is the difference between the credit of the parent node credit account and the sum of the credits of the sibling node credit accounts, and the maximum credit of the target spending account is the credit of the parent node credit account; the querying of the available credit of the upper-level credit account to which the target spending account belongs comprises: finding the upper-level credit account to which the target spending account belongs from a credit tree with a multi-layer structure, and determining the available credit of the upper-level credit account; the target spending account is any spending account, and the available credit of the upper-level credit account is the difference between the initial credit of the upper-level credit account and the spent credit; Among them, in the credit tree, the first level is the root node main credit account, the second level includes several sub-credit accounts and a spending account under the root node main credit account, and the next level of each sub-credit account includes several sub-credit accounts and at least one spending account. The credit account records the credit but not the principal. Each credit account is allocated an initial credit. Each spending account is an account where resources are spent and returned. The credit account of the upper level to which the target spending account belongs is the parent node of the target spending account. A credit account is a credit account of a sibling node of the target spending account, and the credit account of the sibling node of the target spending account is a credit account that belongs to the same parent node credit account as the target spending account. The upper-level credit account to which the target spending account belongs includes at least the parent node credit account of the target spending account in the credit tree. If the parent node credit account of the target spending account in the credit tree has a parent node credit account, the upper-level credit account to which the target spending account belongs also includes the parent node credit account of the parent node credit account, until including the root node main credit account; a resource expenditure module configured to, if the resource expenditure value of the resource expenditure request does not exceed the available credit limit of the parent credit limit account to which the target expenditure account belongs, perform resource expenditure on the target expenditure account according to the resource expenditure request; The credit limit adjustment module is used to adjust the available credit limit of the upper credit limit account to which the target spending account belongs based on the resource spending value after the target spending account is resource spent according to the resource spending request.

7. The device according to claim 6, characterized in that The credit query module queries the available credit of the root node main credit account when the parent node credit account is the root node main credit account.

8. The device according to claim 6, characterized in that When the parent node credit account is not the root node main credit account, the credit query module queries the parent node credit account of the target spending account and the parent node credit account of the parent node credit account of the target spending account until the root node main credit account is found, and obtains the available credits of all the credit accounts found.

9. The device according to claim 6, characterized in that The device further comprises: A resource return module, configured to, upon receiving a resource return request filed against a target spending account, return resources to the target spending account according to the resource return request; The credit limit recovery module is used to restore the available credit limit of the upper-level credit limit account to which the target spending account belongs according to the resource return value of the resource return request.

10. The device according to any one of claims 6 to 9, characterized in that: The device further comprises: The information prompt module is used to output a resource expenditure failure prompt message if the resource expenditure value of the resource expenditure request exceeds the available credit limit of the superior credit limit account to which the target expenditure account belongs.

11. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 5 are implemented.

12. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 5 are implemented.

13. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 5 are implemented.

Images