An investment and transaction business quota checking method and related device

Abstract

The investment and transaction business quota verification method and related equipment provided by the present disclosure can obtain scene classification associated data and quota control associated data of the investment and transaction business; determine the quota control scene corresponding to the investment and transaction business by using the scene classification associated data; and perform matching verification on the quota control associated data by using the quota control condition matched with the quota control scene, to obtain the quota verification result corresponding to the investment and transaction business. The present disclosure determines the quota control scene corresponding to the investment and transaction business and the quota control condition, realizes the control differentiation of the quota control, and solves the quota verification problem of the investment and transaction business under various control scenes.

Description

TECHNICAL FIELD

[0001] The present disclosure relates to the technical field of data processing, and in particular, to an investment and transaction business quota verification method and related equipment. BACKGROUND

[0002] Bank investment and transaction business has the characteristics of high frequency, strong timeliness, high accuracy requirement, and multiple transaction elements. Therefore, quota control has the characteristics of strong timeliness, high control accuracy, and multiple scenarios, and has high requirements for system logic and quota calculation accuracy.

[0003] Quota control is a system, and the object of quota control is a legal entity, which is also the main body of commercial bank credit. The minimum unit of quota control is a transaction counterparty, and the transaction counterparty has a one-to-many relationship with the legal entity. The implementation of quota control is to determine and calculate the quota for each transaction. The existing quota control system does not have obvious distinction in control logic, control amount, control intensity, and control scenarios (including institutions, products, and term) for quota use scenarios and quota use conditions. Therefore, it often causes the problem of tedious quota maintenance work, inflexible system architecture, and insufficient control scenarios. In addition, there is no targeted solution for the complex conditions of investment and transaction business quota use. SUMMARY

[0004] In view of the above problems, the present disclosure provides an investment and transaction business quota verification method and related equipment to overcome the above problems or at least partially solve the above problems, and the technical solution is as follows:

[0005] An investment and transaction business quota verification method, comprising:

[0006] obtaining scenario classification associated data and quota control associated data of the investment and transaction business;

[0007] determining a quota control scenario corresponding to the investment and transaction business by using the scenario classification associated data;

[0008] matching and verifying the quota control associated data by using the quota control condition matched with the quota control scenario, to obtain a quota verification result corresponding to the investment and transaction business.

[0009] Optionally, the scenario classification associated data includes a legal entity, a transaction counterparty, a quota type, a business institution, an account book type, and a quota expiration date of the investment and transaction business.

[0010] Optionally, the quota control associated data includes a product category, a transaction expiration date, a business term, and a quota available amount of the investment and transaction business.

[0011] Optionally, the determining the quota control scene corresponding to the investment and transaction business by using the scene classification association data comprises:

[0012] The data in the scene classification association data is matched and verified according to the preset classification condition, and in the case that all the data in the scene classification association data are matched, the quota control scene corresponding to the investment and transaction business is determined according to the matching result.

[0013] Optionally, the method further comprises:

[0014] In the case that any data in the scene classification association data is not matched in the matching and verification of the data in the scene classification association data according to the preset classification condition, it is determined that the investment and transaction business exceeds the preset quota control range, and the quota verification process of the investment and transaction business is ended.

[0015] Optionally, the preset classification condition comprises a verification order set for each data in the scene classification association data, and the matching and verification of each data in the scene classification association data according to the preset classification condition comprises:

[0016] Each data in the scene classification association data is matched and verified in turn according to the verification order, and the verification order is related to the size of the information gain of each data.

[0017] Optionally, the matching and verification of the quota control association data by using the quota control condition matched with the quota control scene to obtain the quota verification result corresponding to the investment and transaction business comprises:

[0018] In the case that the quota control scene matches a sub-quota, the first quota control condition matched with the quota control scene is used to match and verify the quota control association data according to the sub-quota to obtain the first quota verification result corresponding to the investment and transaction business, wherein the first quota control condition comprises a first quota use condition and a first quota sufficient condition, and the first quota verification result comprises a first verification result corresponding to the first quota use condition and a second verification result corresponding to the first quota sufficient condition.

[0019] Optionally, the matching and verification of the quota control association data by using the quota control condition matched with the quota control scene to obtain the quota verification result corresponding to the investment and transaction business comprises:

[0020] In a case where the quota control scene matches a plurality of sub-quota, the second quota control condition matched with the quota control scene is used to respectively match and verify the quota control associated data according to each sub-quota, to obtain a sub-matching verification result corresponding to each sub-quota, wherein the second quota control condition includes a second quota use condition and a second quota sufficient condition, and the sub-matching verification result includes a third verification result corresponding to the second quota use condition and a fourth verification result corresponding to the second quota sufficient condition;

[0021] The quota joint matching verification is performed on each sub-matching verification result based on a preset sub-quota joint verification condition, to obtain a second quota verification result corresponding to the investment and transaction business.

[0022] An investment and transaction business quota verification device includes an investment and transaction business data obtaining unit, a quota control scene determining unit, and a quota verification result obtaining unit,

[0023] The investment and transaction business data obtaining unit is configured to obtain scene classification associated data and quota control associated data of an investment and transaction business.

[0024] The quota control scene determining unit is configured to determine a quota control scene corresponding to the investment and transaction business by using the scene classification associated data.

[0025] The quota verification result obtaining unit is configured to perform matching verification on the quota control associated data by using a quota control condition matched with the quota control scene, to obtain a quota verification result corresponding to the investment and transaction business.

[0026] An electronic device includes at least one processor and at least one memory connected with the processor via a bus; the processor and the memory complete mutual communication through the bus; the processor is configured to call program instructions in the memory to execute the investment and transaction business quota verification method.

[0027] By means of the above technical solution, the investment and transaction business quota verification method and related device provided by the present disclosure can obtain scene classification associated data and quota control associated data of an investment and transaction business; determine a quota control scene corresponding to the investment and transaction business by using the scene classification associated data; and perform matching verification on the quota control associated data by using a quota control condition matched with the quota control scene, to obtain a quota verification result corresponding to the investment and transaction business. The present disclosure realizes quota control differentiation by determining a quota control scene corresponding to the investment and transaction business and a quota control condition, and solves the problem of quota verification of the investment and transaction business under various control scenes.

[0028] The above description is only a summary of the technical solutions of the present disclosure. In order to enable a more thorough understanding of the technical means of the present disclosure, the present disclosure can be implemented according to the content of the specification, and in order to enable the above and other purposes, characteristics and advantages of the present disclosure to be more apparent and easy to understand, the following specific embodiments of the present disclosure are described. BRIEF DESCRIPTION OF DRAWINGS

[0029] Various other advantages and benefits will become apparent to those of ordinary skill in the art upon reading the following detailed description of the preferred embodiments. The accompanying drawings are intended to further aid the understanding of the preferred embodiments, and are not intended to limit the present disclosure thereto. Moreover, like reference numerals designate like parts throughout the several views in the drawings. In the drawings:

[0030] Figure 1 A flowchart of an embodiment of the investment and transaction business quota checking method provided by the embodiments of the present disclosure is shown;

[0031] Figure 2 A flowchart of another embodiment of the investment and transaction business quota checking method provided by the embodiments of the present disclosure is shown;

[0032] Figure 3 A flowchart of another embodiment of the investment and transaction business quota checking method provided by the embodiments of the present disclosure is shown;

[0033] Figure 4 A flowchart of another embodiment of the investment and transaction business quota checking method provided by the embodiments of the present disclosure is shown;

[0034] Figure 5 A structural diagram of an investment and transaction business quota checking device provided by the embodiments of the present disclosure is shown. DETAILED DESCRIPTION

[0035] Exemplary embodiments of the present disclosure will be described more fully hereinafter with reference to the accompanying drawings, in which exemplary embodiments of the present disclosure are shown. It is to be understood that the present disclosure can be embodied in various forms and should not be limited by the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the present disclosure to those skilled in the art.

[0036] The existing quota control system has simple logic and single decision-making process, resulting in insufficient flexibility of system functions and limited coverage of quota control scenarios. In order to improve the flexibility of system functions, the system process designed by the embodiments of the present disclosure can freely define quota control scenarios and rules through logical rules, the designed parameters have the characteristics of standardization and consistency, can be flexibly configured and freely combined, and the processing rules for field values are also relatively accurate.

[0037] This disclosure employs a decision tree algorithm to design credit limit control rules and processes. By designing the control strength and rules for decision tree fields, scenario completeness is achieved. Precise credit limit control is achieved through the design of available credit limit calculation rules and verification processes. When configuring credit limit control rules, a flexible parameter combination approach is used to ensure the system's flexibility and forward-looking capabilities. Convenience of operation is achieved through the design of the system maintenance interface and standardized maintenance solutions.

[0038] like Figure 1 The diagram shows a flowchart of one implementation of the investment and transaction limit verification method provided in this disclosure. The investment and transaction limit verification method may include:

[0039] S100, obtain scenario-based data related to investment and trading businesses and data related to quota control.

[0040] Investment and trading services can be investment or trading services provided by financial institutions. Examples include: securities investment, bond investment, foreign exchange trading, exchange rate trading, and commodity trading.

[0041] The embodiments disclosed herein allow for pre-designed parameters to facilitate the definition of quota control scenarios. Typically, quota control for investment and trading activities involves elements such as product types within a product group, business term, business entity, ledger name, counterparty, legal entity, quota expiry date, quota type, transaction expiry date, and available quota amount. The legal entity is also referred to as the quota holder.

[0042] This disclosure allows for the categorization of credit limit verification conditions into classification conditions and credit limit control conditions. Classification conditions primarily involve the legal entity, counterparty, credit limit type, business institution, ledger type, and credit limit expiry date of the investment and trading business. Credit limit control conditions primarily involve the product type, transaction expiry date, business term, and available credit limit amount of the investment and trading business.

[0043] The purposes of classification conditions and quota control conditions differ. Classification conditions are used to define the precision and scenarios of quota control. Control conditions are used to determine the feasibility of quota usage.

[0044] The control over classification conditions and quota control conditions differs. Classification conditions serve as a path guide and do not forcibly terminate transactions. Quota control conditions, on the other hand, determine whether a process will terminate or continue, and can forcibly terminate a transaction.

[0045] Optionally, the scenario classification associated data can be data used to determine the precision and scenario of the quota control of the investment and transaction business. Optionally, the scenario classification associated data includes the legal entity, counterparty, quota type, business institution, account type, and quota expiration date of the investment and transaction business.

[0046] Optionally, the quota control associated data can be data used to determine the feasible conditions of the quota usage. Optionally, the quota control associated data includes the product category, transaction expiration date, business period, and available quota amount of the investment and transaction business.

[0047] The embodiments of the present disclosure can perform matrix self-defined combination on the quota control associated data, determine the available quota amount according to each permutation and combination condition, expand the number of scenarios, and enhance the flexibility of quota control.

[0048] The embodiments of the present disclosure can ensure data consistency by standardizing parameter design, and can be flexibly configured and freely combined in actual application to realize accurate processing of field values.

[0049] The embodiments of the present disclosure can design the quota control logic based on the decision tree algorithm, define the quota control scenario using the classification condition first, and then determine the feasible conditions of the quota usage using the quota control condition, that is, after the scenario classification associated data and the quota control associated data of the investment and transaction business are input, the usage scenario, control condition, occupied item, occupied amount, and residual quota of the quota are finally output through the judgment of each condition.

[0050] S200, determining the quota control scenario corresponding to the investment and transaction business by using the scenario classification associated data.

[0051] Optionally, based on the Figure 1 As shown in the method, as shown in the method, the embodiments of the present disclosure provide a flowchart of another implementation of the investment and transaction business quota verification method, and step S200 can include: Figure 2

[0052] S210, matching and verifying each data in the scenario classification associated data according to the preset classification condition, and determining the quota control scenario corresponding to the investment and transaction business according to the matching result in the case that each data in the scenario classification associated data is matched.

[0053] The preset classification condition can be pre-set with a quota control range. The quota control range can be an element range used to determine the quota control scenario of the investment and transaction business. For example, the preset quota control range can include elements such as the legal entity, counterparty, quota type, business institution, account type, and quota expiration date of the investment and transaction business.

[0054] ​Since the preset classification condition is used for classifying the quota control scene, in the process of matching and checking each data in the scene classification associated data, if it is determined that neither the investment nor the transaction business satisfies each quota control scene, the subsequent matching and checking process can be directly ended.

[0055] In order to reduce the condition judgment link in the matching and checking, each classification condition can be sorted, and the condition judgment is performed in sequence according to the sorting, and when any condition judgment does not match, the subsequent judgment process is directly ended.

[0056] Optionally, the preset classification condition can be used to match and check each data in the scene classification associated data, and in the case that any data in the scene classification associated data does not match, it is determined that the investment and transaction business exceeds the preset quota control range, and the quota checking process of the investment and transaction business is ended.

[0057] Optionally, the preset classification condition includes a checking order set for each data in the scene classification associated data. The preset classification condition can be used to sequentially match and check each data in the scene classification associated data according to the checking order, wherein the checking order is related to the size of the information gain of each data.

[0058] In the design of the classification condition, first, the classification rule needs to be ensured to comply with the business logic, and the quota control needs to be ensured to be effective, that is, the current date is not later than the quota expiration date, otherwise the quota is invalid, and then a single customer is taken as the quota control object and is mapped to a legal entity.

[0059] For the quota control scene, the preset classification condition can be used to sort the checking order of each data in the scene classification associated data according to the decision tree logic. It can be understood that the data in the scene classification associated data includes corresponding fields and field values. The preset classification condition can select the value with the highest frequency in each field in the quota to construct an analysis scene. For example, in the scene “total line to XX bank credit approval regulation: only exchange rate type fund business can be carried out, and the business period is not more than 6 months”, the field classification is as shown in Table 1, and then in order to improve the running efficiency of the checking system and reduce the system judgment link, the preset classification condition can calculate the information gain of each data in the scene classification associated data, and the field with the greater information gain is sorted in the front, that is, the data with the greater information gain is sorted in the front in the preset classification condition.

[0060] Table 1

[0061]

[0062] The preset classification condition can first calculate the information entropy, and then calculate the information gain from the information entropy.

[0063] Information entropy formula:

[0064]

[0065] wherein, denotes the total sample; denotes the total number of types of business classification; is the number of types; denotes the probability of classifying the business into the type numbered .

[0066] Information gain formula:

[0067]

[0068] wherein, denotes the conditional feature; denotes the sample when the feature takes value x.

[0069] The starting point of information entropy is 1, that is, when no one field is input, the probabilities of passing and not passing are both 50%. Based on the fields in the classification condition shown in Table 1, the calculated information entropy and information gain can be as shown in Table 2.

[0070] Table 2

[0071]

[0072] According to the information gain ranking, the first three fields with the maximum information gain are fixed, and the remaining two fields are ranked. Since the information gain 2 of the account name is larger, the final ranking after adjustment is as shown in Table 3.

[0073] Table 3

[0074]

[0075] For ease of understanding, an example is given here: as shown in Table 3, the preset classification condition sets the verification order of each data in the scene classification associated data in turn as legal entity, transaction counterparty, business institution, account name and quota type, then in the actual determination of the quota control scene by using the preset classification condition, the field value "XX bank" corresponding to the legal entity is first matched and verified, assuming that N quota control scenes are matched, then the field value "XX bank" corresponding to the transaction counterparty is matched and verified, N-3 quota control scenes are matched in the N quota control scenes, and so on, until the field value "capital transaction" corresponding to the quota type is matched and verified, and then according to the matching results of each quota field in turn, the quota control scene corresponding to the investment and transaction business is finally determined.

[0076] S300, the quota control condition matched with the quota control scene is used to perform matching verification on the quota control associated data, and a quota verification result corresponding to the investment and transaction business is obtained.

[0077] Optionally, the quota control condition can include a verification order set for each data in the quota control associated data. The disclosure embodiment can sequentially perform matching verification on each data in the quota control associated data according to the verification order, wherein the verification order is related to the size of the information gain of each data.

[0078] Optionally, based on Figure 1 As shown in the method, Figure 3 As shown in the flowchart of another embodiment of the investment and transaction business quota verification method provided by the disclosure, step S300 can include:

[0079] S310, in the case that the quota control scene matches a sub-quota, a first quota control condition matched with the quota control scene is used to perform matching verification on the quota control associated data according to the sub-quota, and a first quota verification result corresponding to the investment and transaction business is obtained.

[0080] The sub-quota is used to indicate the quota and the period corresponding to each product in the investment and transaction business. The sub-quota includes a group of classification conditions and at least one group of control conditions. When the classification condition in the investment and transaction business and any sub-quota matches successfully, the quota control associated data in the investment and transaction business is matched with the detailed quota in the sub-quota. The sub-quota includes an available amount corresponding to the sub-quota and a detailed available amount corresponding to each detailed quota. The disclosure embodiment selects the minimum value of the available amount and each detailed available amount as the available amount of the investment and transaction business. For example: assuming that the investment and transaction business involves product Q and product W, the sub-quota X matched with the quota control scene corresponding to the investment and transaction business can include: the detailed available amount q corresponding to product Q, the detailed available amount w corresponding to product W, and the available amount e corresponding to product Q and product W.

[0081] The sub-quota is a control rule, and the transaction is a control object. The transaction element is the characteristic of the transaction and is also a specific element of the control. For example: assuming that the control condition is the expiration date and the transaction date, and the sub-quota stipulates that a transaction can only be made within 1 year, then the transaction element is the expiration date and the transaction date, and whether the expiration date-transaction date exceeds 1 year is judged to see whether the quota use condition is met. Of course, specific rules such as holiday adjustment are also involved in the specific calculation. Assuming that the transaction element of the control condition is foreign exchange, if the sub-quota stipulates foreign exchange, then the quota use condition of the sub-quota is passed. Assuming that the transaction element of the control condition is foreign exchange, if the sub-quota stipulates interest rate, then the quota use condition of the sub-quota is not passed.

[0082] The first quota control condition comprises a first quota use condition and a first quota sufficiency condition, and the first quota check result comprises a first check result corresponding to the first quota use condition and a second check result corresponding to the first quota sufficiency condition.

[0083] Specifically, the quota control associated data is matched and checked according to the sub-quota to determine whether the quota control associated data meets the first quota use condition and the first quota sufficiency condition. In the case of meeting the first quota use condition, the first check result is determined to be passed. In the case of not meeting the first quota use condition, the first check result is determined to be failed. In the case of meeting the first quota sufficiency condition, the second check result is determined to be sufficient. In the case of not meeting the first quota sufficiency condition, the second check result is determined to be insufficient.

[0084] Optionally, based on Figure 1 As shown in the method, as shown in the method, another embodiment of the investment and transaction business quota check method provided by the present disclosure provides a flowchart of another embodiment of the investment and transaction business quota check method, and step S300 can comprise: Figure 4

[0085] S320, in the case that the quota control scene matches multiple sub-quotas, the quota control associated data is matched and checked according to each sub-quota by using the second quota control condition matched with the quota control scene, and sub-matching check results corresponding to each sub-quota are obtained.

[0086] The second quota control condition comprises a second quota use condition and a second quota sufficiency condition, and the sub-matching check result comprises a third check result corresponding to the second quota use condition and a fourth check result corresponding to the second quota sufficiency condition.

[0087] The matching and checking of the quota control associated data according to any sub-quota can refer to the description of step S310, which will not be repeated here.

[0088] S330, based on a preset sub-quota joint check condition, the sub-matching check results are matched and checked in a joint manner to obtain a second quota check result corresponding to the investment and transaction business.

[0089] The preset sub-quota joint check condition can be set in advance. The preset sub-quota joint check condition can be a factor range for determining the feasible condition of quota use. For example, the preset sub-quota joint check condition can include factors such as product types of the investment and transaction business, transaction expiration date, business period, and available amount of the quota.

[0090] ​It can be understood that, in the case that each sub-limited amount is checked through in the first quota check result of the investment and transaction business, the available amounts of the multiple sub-limited amounts are jointly matched and checked, and if the control condition of any available amount is not met, it is determined that the second quota check result of the investment and transaction business is not passed.

[0091] It can be understood that the input variable of the embodiment of the present disclosure is a single investment and transaction business, and the output is a check result indicating the quota use condition of the investment and transaction business and identifying whether the investment and transaction business is sufficient.

[0092] The design of the quota control condition in the embodiment of the present disclosure follows two goals: one is to ensure the completeness of the scene, and to ensure that each transaction can be judged whether it meets the quota use condition. Two is to ensure that each set corresponds to a available amount value, so as to correctly deduct the corresponding quota and finally ensure that the transaction correctly occupies the quota.

[0093] Therefore, the set theory is used to analyze the control scene, and it is ensured that each quota available amount is one-to-one mapped with its use scene. The intension and extension of the set need to meet the above two requirements, that is, to ensure the completeness and accuracy of the scene. The elements in the set represent each transaction between the bank and the customer. The completeness of the scene is reflected in that each transaction falls into the correct set, so that the transaction that can be carried out meets the quota use condition.

[0094] The design of the quota use condition in the embodiment of the present disclosure needs to consider the scene of the binary control condition of a legal entity, that is, the product type and the business period. For the quota use condition of the legal entity, as shown in Table 4, four sets and their corresponding quota use scenes are defined from large to small:

[0095] Table 4

[0096]

[0097] The set relationship is as follows:

[0098]

[0099]

[0100] wherein, is the number of sub-limited amount items, is the number of detailed items in the sub-limited amount, . is an integer set. means that the quota can only be used when both conditions are met. And means that the quota can be used if one condition is met.

[0101] The above formula indicates the usage scenarios for the full transaction limit. Usage scenarios for each credit limit The sum. Furthermore, the specific details of each credit limit's application are determined by the product type. and business term Common limitation, namely Therefore, the usage scenarios for each credit limit are the sum of the detailed credit limit scenarios for that credit limit.

[0102] To make it easier to understand, an example is given here: Assume the entire transaction amount is traded. The available credit line is 100 million, and the corresponding credit line for investment and trading businesses is... The available product types and business terms for the segmented credit line are as follows: Foreign exchange (one-year term) has an available credit line of 60 million; investment and trading business has the corresponding segmented credit line. The available credit line for the product category and business term is 50 million for goods (five-year term).

[0103] If the investment and trading business involves foreign exchange (one-year term) of 40 million, then the transaction limit is met. The conditions for using the credit limit. If the investment and trading business involves foreign exchange (two-year term) of 40 million, then it is determined that the credit limit is not met. The conditions for using the credit limit. If the investment and trading business involves foreign exchange (one-year term) of 60 million, then the credit limit will not be met. The conditions for using the credit limit.

[0104] If the investment and trading business involves commodities (five-year term) amounting to 30 million, then the transaction amount is determined to meet the segmented credit limit. The conditions for using the credit limit. If the investment and trading business involves commodities (ten-year term) of 30 million, then it is determined that the credit limit is not met. The conditions for using the credit limit. If the investment and trading business involves commodities (five-year term) of 70 million, then it is determined that the credit limit is not met. The conditions for using the credit limit.

[0105] Optionally, embodiments of this disclosure can perform matrix-style free combination of each data in the credit limit control associated data to obtain multiple permutation and combination results, and determine the available amount of credit limit under each permutation and combination result, thereby expanding the credit limit usage scenarios and enhancing the flexibility of credit limit management.

[0106] If the available credit limit for a transaction is determined by multiple credit limit usage conditions, then the binary scenario described above needs to be expanded to a multi-faceted scenario, and the credit limit usage scenario needs to be defined using an intersection approach. In this case, the formula for calculating the available credit limit remains unchanged. The calculation formula is as follows:

[0107]

[0108]

[0109] wherein, is the number of control conditions for the quota usage.

[0110] After meeting the quota usage conditions, the investment and transaction business also needs to meet the quota fullness conditions to carry out transactions. The quota fullness conditions are used to indicate whether the available quota of the investment and transaction business meets the conditions.

[0111] Available fund transaction quota amount The calculation formula is as follows:

[0112]

[0113]

[0114] The above set can also be represented as , .

[0115] The form is as follows:

[0116]

[0117] wherein, each matrix represents a sub-quota, and each row vector in the matrix represents a sub-quota detail.

[0118] Therefore, the number of rows represents the number of sub-quota detail items of the first sub-quota, the number of detail items of the first sub-quota is , and so on. represents the condition value of the first sub-quota. The number of columns represents the total number of available credit conditions of each matrix, and the credit conditions include: term, credit institution, credit product, etc. Each element of the matrix represents the available scenario value of the credit condition. For example: the term is within 3 months and the product is limited to foreign exchange transactions. The transaction element filling specification is shown in Table 5. The above matrices collectively constitute all available credit scenarios corresponding to a transaction.

[0119] The credit scenarios are distributed to

[0120] ​​​​​The reason for segmenting credit limits is that some scenarios can be used interchangeably. Therefore, a matrix corresponds to all scenarios where a credit limit can be shared, and the available credit amount corresponding to this matrix represents the total amount that can be used interchangeably. This results in the following available credit amount matrix:

[0121]

[0122] The following formula can be obtained:

[0123]

[0124] A matrix represents a credit line segment, where 's' represents the available credit limit amount for that segment. Each element of the matrix represents the available credit limit amount for that credit condition, the number of rows represents the number of detailed entries for each credit line segment, and the number of columns represents the total number of conditions. If an item is unavailable, the credit limit is 0.

[0125] The formula for calculating the available credit limit is the same as above, specifically:

[0126]

[0127]

[0128] The above formula shows that the available transaction limit for any legal entity is the amount of available funds corresponding to the full transaction limit. Available amount of credit corresponding to the detailed credit limit scenarios for all credit limits. The minimum value. The available amount of credit corresponding to the detailed credit limit scenario for each credit limit is the available amount of that credit limit. Available amount of credit corresponding to specific details The minimum value in.

[0129] To make it easier to understand, an example is given here: A bank's available transaction limit for a full transaction is 200 million, and the limit for individual transactions... The available credit lines for each product category and transaction term are foreign exchange (one-year term) and commodities (five-year term). It can be 100 million, in installments. The available credit lines for different product types and terms are foreign exchange (one-year term) and interest rate (ten-year term). It can be 200 million, then It can handle 60 million in foreign exchange (one-year term). It can be for goods (five-year term) worth 50 million. It can handle 60 million in foreign exchange (one-year term). The interest rate (ten-year term) is 200 million.

[0130] In order to ensure the perfection of the method execution process scene and the accuracy of the determination, various cases of the field values of the input investment and transaction business need to be considered, and the corresponding return results need to be designed. It should be noted that whether the field value is null should be distinguished and processed, and the classification condition and the control condition should be distinguished and processed.

[0131] The transaction field processing rules set by the embodiments of the present disclosure are shown in Table 5, including the classification condition fields such as the transaction counterparty, the account book name, the start date, and the expiration date. The elements in the transaction are not mandatory items, and the processing rules for the field values being empty are as follows:

[0132] Table 5

[0133]

[0134] The sub-lot limit check rules set by the embodiments of the present disclosure are shown in Table 6. For the control condition, if any field does not match, the return result is not passed, and the transaction cannot be traded. For the classification field, the field check order needs to be determined according to the information gain. Among them, the classification condition is an optional item, and the control condition is a mandatory item.

[0135] Table 6

[0136]

[0137] Among them, exemption means that if the classification condition is not met, it is not within the preset limit control range and can be directly released. In order to facilitate understanding, examples are used for illustration: combining Table 5 and Table 6, for the classification condition, assuming that the transaction element is a sub-branch, if the sub-lot limit is not filled in, the matching result of the transaction element is not filled in, the check result is passed, and the next step is performed. If the classification conditions of each transaction element are passed, the limit control scene corresponding to the investment and transaction business is finally determined. Assuming that the transaction element is a sub-branch, if the limit condition in the sub-lot limit is the total line, the matching result of the transaction element is not matched, and the check result is exempted. In the case where the matching result of any transaction element in the classification condition is exempted, it is determined that the sub-lot limit is not suitable for the investment and transaction business, i.e. the business is not within the sub-lot limit control range.

[0138] Among them, the preset sub-lot limit joint check condition is provided with a plurality of sub-lot limit joint check rules. The plurality of sub-lot limit joint check rules can be as shown in Table 7.

[0139] Table 7

[0140]

[0141] In the decision tree designed in the embodiments of the present disclosure, if the investment and transaction business both pass the preset classification condition matching check, the product group, the latest expiration date of the business, the single business term, the available amount of the sub-amount limit and the available amount of the detailed amount limit of each item in the investment and transaction business are jointly checked based on the limit control condition.

[0142] The embodiments of the present disclosure determine the available amount of the transaction by using the available amount of the sub-amount limit and the available amount of the detailed amount limit, compare the available amount of the transaction with the limit amount of the transaction, if the available amount of the transaction is less than the limit amount of the transaction, it is determined that the available amount of the limit is insufficient, and if the available amount of the transaction is not less than the limit amount of the transaction, it is determined that the available amount of the limit is sufficient.

[0143] The investment and transaction business limit checking method provided by the embodiments of the present disclosure can be applied in the investment and transaction business limit control platform of a bank, and the investment and transaction business limit checking is realized by the credit management component and the corresponding limit component in the platform, and the corresponding limit checking result prompt is returned to the finance department.

[0144] For joint checking, the embodiments of the present disclosure can return the limit checking result prompts triggered by each item of the investment and transaction business to the finance department after deduplication.

[0145] The investment and transaction business limit checking method provided by the present disclosure can obtain the scenario classification associated data and the limit control associated data of the investment and transaction business, determine the limit control scenario corresponding to the investment and transaction business by using the scenario classification associated data, and perform matching check on the limit control associated data by using the limit control condition matched with the limit control scenario, to obtain the limit checking result corresponding to the investment and transaction business. The present disclosure realizes the differentiated control of the limit control by determining the limit control scenario corresponding to the investment and transaction business and the limit control condition, and solves the limit checking problem of the investment and transaction business under various control scenarios.

[0146] Although each operation is described in a particular order, this should not be understood as requiring the operations to be performed in the particular order shown or in a sequential order. In certain circumstances, multitasking and parallel processing can be advantageous.

[0147] It should be understood that each step described in the method embodiments of the present disclosure can be performed in different order and / or in parallel. In addition, the method embodiments can include additional steps and / or omit the execution of the steps shown. The scope of the present disclosure is not limited in this respect.

[0148] Corresponding to the above-mentioned method embodiments, the embodiments of the present disclosure also provide an investment and transaction business limit checking device, the structure of which is as follows Figure 5As shown, the device comprises: an investment and transaction business data obtaining unit 100, a quota control scenario determining unit 200, and a quota check result obtaining unit 300.

[0149] The investment and transaction business data obtaining unit 100 is configured to obtain scenario classification associated data and quota control associated data of the investment and transaction business.

[0150] The quota control scenario determining unit 200 is configured to determine a quota control scenario corresponding to the investment and transaction business by using the scenario classification associated data.

[0151] The quota check result obtaining unit 300 is configured to perform matching check on the quota control associated data by using a quota control condition matched with the quota control scenario, and obtain a quota check result corresponding to the investment and transaction business.

[0152] Optionally, the scenario classification associated data comprises a legal subject, a counterparty, a quota type, a business institution, a ledger type, and a quota expiration date of the investment and transaction business.

[0153] Optionally, the quota control associated data comprises a product type, a transaction expiration date, a business period, and a quota available amount of the investment and transaction business.

[0154] Optionally, the quota control scenario determining unit 200 is specifically configured to perform matching check on each data in the scenario classification associated data according to a preset classification condition, and determine the quota control scenario corresponding to the investment and transaction business according to a matching result in a case where each data in the scenario classification associated data is matched.

[0155] Optionally, the device further comprises a quota check process ending unit.

[0156] The quota check process ending unit is configured to determine that the investment and transaction business exceeds a preset quota control range and end a quota check process of the investment and transaction business in a case where any data in the scenario classification associated data is not matched after performing matching check on each data in the scenario classification associated data according to a preset classification condition.

[0157] Optionally, the preset classification condition comprises a check order set for each data in the scenario classification associated data.

[0158] Optionally, the quota control scenario determining unit 200 is specifically configured to perform matching check on each data in the scenario classification associated data in sequence according to the check order, and the check order is related to the size of information gain of each data.

[0159] Optionally, the quota check result obtaining unit 300 can be specifically configured to, in a case where the quota control scene matches one sub-quota, utilize a first quota control condition matched with the quota control scene to perform matching check on the quota control associated data according to the sub-quota, and obtain a first quota check result corresponding to the investment and transaction business, wherein the first quota control condition comprises a first quota usage condition and a first quota sufficiency condition, and the first quota check result comprises a first check result corresponding to the first quota usage condition and a second check result corresponding to the first quota sufficiency condition.

[0160] Optionally, the quota check result obtaining unit 300 can be specifically configured to, in a case where the quota control scene matches one sub-quota, utilize a first quota control condition matched with the quota control scene to perform matching check on the quota control associated data according to the sub-quota, and obtain a first quota check result corresponding to the investment and transaction business, wherein the first quota control condition comprises a first quota usage condition and a first quota sufficiency condition, and the first quota check result comprises a first check result corresponding to the first quota usage condition and a second check result corresponding to the first quota sufficiency condition.

[0161] The investment and transaction business quota check device provided by the present disclosure can obtain scene classification associated data and quota control associated data of an investment and transaction business; determine a quota control scene corresponding to the investment and transaction business by utilizing the scene classification associated data; and perform matching check on the quota control associated data by utilizing a quota control condition matched with the quota control scene, to obtain a quota check result corresponding to the investment and transaction business. The present disclosure realizes the differentiation of quota control by determining the quota control scene corresponding to the investment and transaction business and the quota control condition, and solves the problem of quota check of the investment and transaction business under various control scenes.

[0162] As to the device in the above-mentioned embodiments, the specific manners in which various units perform operations have been described in detail in the embodiments related to the method, and will not be described here in detail.

[0163] The investment and transaction business quota check device comprises a processor and a memory, and the above-mentioned investment and transaction business data obtaining unit 100, quota control scene determining unit 200, and quota check result obtaining unit 300, etc. are stored in the memory as program units, and the corresponding functions are realized by the processor executing the above-mentioned program units stored in the memory.

[0164] The processor includes a core, and the core calls corresponding program units in the memory. The core can be one or more, and the core parameters are adjusted to determine the quota control scene and the quota control condition corresponding to the investment and transaction business, so as to realize the control differentiation of the quota control, and solve the quota check problem of the investment and transaction business in various control scenes.

[0165] The embodiment of the present disclosure provides a computer readable storage medium, which stores a program, and the program is executed by a processor to realize the investment and transaction business quota check method.

[0166] The embodiment of the present disclosure provides a processor, which is used to run a program, wherein the program is executed to perform the investment and transaction business quota check method.

[0167] The embodiment of the present disclosure provides an electronic device, which includes at least one processor, at least one memory connected with the processor, and a bus; wherein the processor and the memory complete mutual communication through the bus; the processor is used to call program instructions in the memory, so as to execute the investment and transaction business quota check method. The electronic device in the present disclosure can be a server, a PC, a PAD, a mobile phone, etc.

[0168] The present disclosure also provides a computer program product, which is suitable for executing the program initialized with the investment and transaction business quota check method steps when executed on an electronic device.

[0169] The present disclosure is described with reference to the flowcharts and / or block diagrams of the method, device, electronic device (system), and computer program product according to the embodiments of the present disclosure. It should be understood that each flow and / or block in the flowcharts and / or block diagrams, and the combination of the flows and / or blocks in the flowcharts and / or block diagrams can be implemented by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable devices to produce a machine, so that the instructions executed by the processor of the computer or other programmable devices produce a machine that implements the functions specified in the flowcharts and / or block diagrams. Figure 1 The device that implements the functions specified in one flow or multiple flows and / or blocks Figure 1 The device that implements the functions specified in one flow or multiple flows and / or blocks

[0170] In a typical configuration, the electronic device includes one or more processors (CPU), memories, and buses. The electronic device can also include input / output interfaces, network interfaces, etc.

[0171] The memory can include non-persistent memory in the computer readable medium, random access memory (RAM), and / or non-volatile memory such as read only memory (ROM) or flash memory, among others, including at least one memory chip. The memory is an example of computer readable media.

[0172] Computer readable media includes permanent and non-permanent, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read only memory (ROM), electrically erasable programmable read only memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital versatile disc (DVD), or other optical storage, magnetic cassettes, magnetic tapes, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information accessible to a computing device. According to the definition herein, computer readable media does not include transitory media such as modulated data signals and carrier waves.

[0173] In the description of the present disclosure, it should be understood that if the orientation or positional relationship indicated by the terms such as "upper", "lower", "front", "back", "left" and "right" is based on the orientation or positional relationship shown in the drawings, it is only for the convenience of describing the present application and simplifying the description, and does not indicate or imply that the position or element referred to must have a particular orientation, be constructed and operated in a particular orientation, and therefore cannot be understood as a limitation of the present disclosure.

[0174] It should be noted that in this paper, the relationship terms such as first and second are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between the entities or operations. It should also be noted that the terms "include", "contain" or any other variants thereof are intended to cover non-exclusive inclusion, so that the process, method, product or equipment including a series of elements not only includes those elements, but also includes other elements not explicitly listed or inherent to such process, method, product or equipment. Without more limitation, the element defined by the sentence "including a…" does not exclude the presence of other identical elements in the process, method, product or equipment including the element.

[0175] Those skilled in the art will appreciate that embodiments of the disclosure can be provided as a method, a system or a computer program product. Accordingly, the disclosure can take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the disclosure can take the form of a computer program product on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROMs, optical storage devices, etc.) embodying computer-readable program code thereon for use by or in connection with an instruction execution system. For the purposes of this description, a computer-usable or computer readable storage medium can be any apparatus that can contain, store, communicate, propagate, or transport the program for use by or in connection with the instruction execution system, apparatus, or device. The computer-usable storage medium can be a computer- readable storage medium that can be any media that can be accessed by the computer. By way of example, and not limitation, such computer- readable media can include RAM, ROM, EEPROM, CD-ROM or other optical storage, magnetic disk storage or other magnetic storage devices, or any other medium that can be used to carry or store desired program code in the form of computer- readable program code means which can be accessed by the computer. The computer- readable program code can be embodied in any combination of software and firmware.

[0176] The embodiments of the disclosure described above are merely intended to illustrate the disclosure and not to limit the disclosure. The disclosure can have various modifications and changes for those skilled in the art. Any modification, equivalent replacement, improvement, etc. within the spirit and principle of the disclosure shall be included in the scope of the claims of the disclosure.

Claims

1. A method for investment and trading business quota check, characterized in that, The method comprises the following steps: obtaining scenario classification associated data and quota control associated data of an investment and transaction business; matching and verifying each data in the scenario classification associated data according to a preset classification condition, and determining a quota control scene corresponding to the investment and transaction business according to a matching result in a case where each data in the scenario classification associated data is matched; in a case where the quota control scene matches a sub-quota, matching and verifying the quota control associated data according to the sub-quota by using a first quota control condition matched with the quota control scene, obtaining a first quota verification result corresponding to the investment and transaction business, wherein the first quota control condition comprises a first quota use condition and a first quota sufficient condition, and the first quota verification result comprises a first verification result corresponding to the first quota use condition and a second verification result corresponding to the first quota sufficient condition; in a case where the quota control scene matches a plurality of sub-quotas, matching and verifying the quota control associated data according to each sub-quota by using a second quota control condition matched with the quota control scene, obtaining a sub-quota matching verification result corresponding to each sub-quota, wherein the second quota control condition comprises a second quota use condition and a second quota sufficient condition, and the sub-quota matching verification result comprises a third verification result corresponding to the second quota use condition and a fourth verification result corresponding to the second quota sufficient condition; and performing quota joint matching verification on each sub-quota matching verification result based on a preset sub-quota joint verification condition, and obtaining a second quota verification result corresponding to the investment and transaction business.

2. The method of claim 1, wherein, The scenario classification associated data comprises a legal subject, a transaction counterparty, a quota type, a business agency, an account book type and a quota expiration date of the investment and transaction business.

3. The method of claim 1, wherein, The quota control associated data comprises a product category, a transaction expiration date, a business period and a quota available amount of the investment and transaction business.

4. The method of claim 1, wherein, The method further comprises the following steps: matching and verifying each data in the scenario classification associated data according to the preset classification condition, and ending the quota verification process of the investment and transaction business in a case where any data in the scenario classification associated data is not matched.

5. The method of claim 1, wherein, The preset classification condition comprises a verification order set for each data in the scenario classification associated data, and the matching and verifying each data in the scenario classification associated data according to the preset classification condition comprises the following steps: matching and verifying each data in the scenario classification associated data in turn according to the verification order, wherein the verification order is related to the size of information gain of each data.

6. An investment and trading business quota checking device characterized by comprising: The method comprises the following steps: an investment and transaction business data obtaining unit, a quota control scene determining unit and a quota verification result obtaining unit, the investment and transaction business data obtaining unit is configured to obtain scenario classification associated data and quota control associated data of an investment and transaction business; The quota control scene determination unit is configured to determine a quota control scene corresponding to the investment and transaction business by using the scene classification association data. The quota control result obtaining unit is configured to, in a case where the quota control scene matches one sub-quota, perform matching and checking on the quota control association data according to the sub-quota by using a first quota control condition matched with the quota control scene, to obtain a first quota checking result corresponding to the investment and transaction business, wherein the first quota control condition comprises a first quota use condition and a first quota sufficiency condition, and the first quota checking result comprises a first checking result corresponding to the first quota use condition and a second checking result corresponding to the first quota sufficiency condition; in a case where the quota control scene matches a plurality of sub-quota, perform matching and checking on the quota control association data according to each sub-quota by using a second quota control condition matched with the quota control scene, to obtain sub-matching checking results corresponding to each sub-quota respectively, wherein the second quota control condition comprises a second quota use condition and a second quota sufficiency condition, and the sub-matching checking result comprises a third checking result corresponding to the second quota use condition and a fourth checking result corresponding to the second quota sufficiency condition; and perform quota joint matching and checking on each sub-matching checking result based on a preset sub-quota joint checking condition, to obtain a second quota checking result corresponding to the investment and transaction business.

7. An electronic device, comprising at least one processor, and at least one memory connected to the processor via a bus; wherein, The processor, the memory and the bus are configured to complete communication among each other; The processor is configured to invoke program instructions in the memory, so as to perform the investment and transaction business quota checking method in any one of claims 1 to 5. The processor is configured to invoke program instructions in the memory, so as to perform the investment and transaction business quota checking method in any one of claims 1 to 5.

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