Centralized configurable transaction limit control method, system and equipment

Abstract

The invention relates to the technical field of transaction limit control, and provides a centralized configurable transaction limit control method, system and equipment, and the method comprises the steps: collecting limit type information from a business system, obtaining a limit control object according to the collected limit type information, and creating an inspection rule for the obtained limit control object; performing real-time quota statistics on the quota control objects, and judging whether the corresponding quota control objects need to be subjected to quota control or not according to the real-time quota statistics and the created check rules; a business scene is constructed for a limit control object needing limit control, and a limit scene is constructed to carry out limit judgment on the limit control object by constraining the constructed business scene. According to the centralized configurable transaction limit control method and system, the completeness, comprehensiveness, effectiveness and accuracy of limit control can be effectively guaranteed; therefore, the limit control centralization is realized, the limit parameter modeling of the limit control is ensured, the limit rule adaptability is improved, and the limit demand is quickly supported.

Description

Technical Field

[0001] The present invention relates to the technical field of transaction limit control, and in particular to a centralized configurable transaction limit control method, system and device. Background Art

[0002] With the rapid development of the economy and the continuous advancement of information technology, the transaction volume and types of banking business are increasing, and the transaction scenarios are becoming more and more complex. In order to protect the safety of bank and customer funds, the transaction limit management of banking business has become an important link. Transaction limit refers to a measure by which banks set threshold limits on customer transaction amounts in different transaction scenarios. Its main goal is to prevent financial risks and ensure the security of transactions.

[0003] In traditional banking business, the control of transaction limits usually relies on the "silo" development model. In this model, the system and data are often too decentralized, resulting in the business implementation of limit control being scattered in various systems and components, making it difficult to achieve unified limit control and adapt to the current "customer-centric" business rapid innovation needs. With the continuous expansion of banking business, banks have established a large and complex financial business system group, and the management and control of transaction limits are further dispersed in different business systems, application components and architecture levels. Limit control is usually dispersed in different transactions in the form of parameters for inspection and processing, which leads to inaccuracy and duplication of limit control, increases the workload of application design, development and testing, and prolongs the response time to demand. In addition, the rapid innovation and development of banking business, as well as the continuous emergence of fund security risks, make banks' control of transaction limits more complex and cumbersome, and the risk and difficulty of system transformation have also increased, which not only affects the efficiency of banking business, but also increases the inconvenience of customers.

[0004] Therefore, how to provide a more centralized, efficient and accurate quota management method has become a technical problem that needs to be solved urgently. Summary of the invention

[0005] In view of this, in order to overcome the deficiencies of the prior art, the present invention aims to provide a centralized configurable transaction limit control method and system.

[0006] According to a first aspect of the present invention, a centralized configurable transaction limit control method is provided, the method comprising:

[0007] Collect limit type information from the business system, obtain limit control objects based on the collected limit type information, and create inspection rules for the obtained limit control objects;

[0008] Perform real-time quota statistics on quota control objects, and determine whether the corresponding quota control objects need quota control based on the real-time quota statistics and the created inspection rules;

[0009] Build business scenarios for the limit control objects that require limit control, constrain the constructed business scenarios, and build limit scenarios to make limit judgments for the limit control objects.

[0010] Preferably, in the centralized configurable transaction limit control method of the present invention, the limit type information includes limit account type information.

[0011] Preferably, in the centralized configurable transaction limit control method of the present invention, a check rule is created for the acquired limit control object, including: creating a corresponding rule description for the limit control object, using the created rule description to digitally define the check rule, and providing the digitally defined check rule to the outside through the corresponding rule code.

[0012] Preferably, in the centralized configurable transaction limit control method of the present invention, real-time limit statistics are performed on the limit control object, including: real-time limit statistics are performed on the limit control object from the dimensions of daily cumulative limit value, annual cumulative limit value, safe transaction period, transaction location and number of transactions.

[0013] Preferably, in the centralized configurable transaction limit control method of the present invention, whether the corresponding limit control object needs limit control is determined based on real-time limit statistics and created inspection rules, including: adjusting the limit control operation of the limit control object based on the judgment result of whether limit control is needed, and the limit control operation adjustment includes limit control update and limit control cancellation.

[0014] Preferably, in the centralized configurable transaction limit control method of the present invention, a business scenario is constructed for a limit control object that requires limit control, including: when a limit control object requires limit control, limit condition elements and limit control items are collected for the limit control object, and a corresponding business scenario is constructed by assigning values ​​to the collected limit condition elements.

[0015] Preferably, in the centralized configurable transaction limit control method of the present invention, by constraining the constructed business scenario, a limit scenario is constructed to perform limit judgment on the limit control object, including: assigning values ​​to the collected limit control items to generate limit control values, using the limit control values ​​to constrain the constructed business scenario, constructing a corresponding limit scenario for the limit control object, and using the constructed limit scenario to perform limit judgment on the limit control object.

[0016] Preferably, in the centralized configurable transaction limit control method of the present invention, the constructed limit scenario is used to perform limit judgment on the limit control object, including:

[0017] In the quota scenario, the quota control object is judged based on the real-time quota statistics of the quota control object and the quota control value of the quota control object;

[0018] When the real-time quota statistics value of the quota control object is not greater than the limit control value of the quota control object, no quota control is performed on the quota control object;

[0019] When the real-time quota statistics value of the quota control object is greater than the limit control value of the quota control object, quota control is performed on the quota control object.

[0020] According to a second aspect of the present invention, there is provided a centralized configurable transaction limit control system, the system comprising a limit control server, the limit control server being used to: collect limit type information from a business system, obtain limit control objects based on the collected limit type information, and create inspection rules for the obtained limit control objects; perform real-time limit statistics on the limit control objects, and determine whether the corresponding limit control objects require limit control based on the real-time limit statistics and the created inspection rules; construct business scenarios for the limit control objects that require limit control, and construct limit scenarios to perform limit judgments on the limit control objects by constraining the constructed business scenarios.

[0021] According to a third aspect of the present invention, a computer device is provided, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the method described in the first aspect of the present invention when executing the program.

[0022] The centralized configurable transaction limit control method and system of the present invention sets the limit center component for centralized control of transaction limits as a capability service provider at the application layer, and the overall architecture is more reasonable; the limit center is independent of other application components, and the functional boundaries are clearer; the limit functions are uniformly designed to effectively ensure the integrity and comprehensiveness of limit control; the limit control is centralized to ensure the effectiveness and accuracy of limit control; the limit parameters are modeled to improve the adaptability of limit rules and can quickly support limit requirements. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings required for use in the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0024] Figure 1 This is a diagram showing an example of the architecture of a centralized configurable transaction limit control system according to an embodiment of the present invention;

[0025] Figure 2 A flowchart of the steps of a centralized configurable transaction limit control method according to an embodiment of the present invention;

[0026] Figure 3 This is an example diagram of the functional architecture of a quota center based on the centralized configurable transaction quota control method according to an embodiment of the present invention;

[0027] Figure 4 An example diagram of three elements of a limit center of a centralized configurable transaction limit control method according to an embodiment of the present invention;

[0028] Figure 5 This is an example diagram of the technical principle of the transaction limit control of the limit object by the limit center based on the centralized configurable transaction limit control method according to the embodiment of the present invention;

[0029] Figure 6 An example diagram of the limit center control parameter level of the centralized configurable transaction limit control method according to the embodiment of the present invention;

[0030] Figure 7 Another example diagram of the limit center control parameter level of the centralized configurable transaction limit control method according to the embodiment of the present invention;

[0031] Figure 8 This is an example diagram of the relationship between the limit center and other components of the centralized configurable transaction limit control method according to an embodiment of the present invention;

[0032] Fig. 9 A schematic diagram of the structure of the device provided by the present invention. DETAILED DESCRIPTION

[0033] The embodiments of the present invention are described in detail below with reference to the accompanying drawings.

[0034] It should be noted that the following embodiments and features in the embodiments may be combined with each other in the absence of conflict; and, based on the embodiments in the present disclosure, all other embodiments obtained by ordinary technicians in the field without making any creative work are within the scope of protection of the present disclosure.

[0035] It should be noted that various aspects of the embodiments within the scope of the appended claims are described below. It should be apparent that the aspects described herein may be embodied in a wide variety of forms, and any specific structure and / or function described herein is merely illustrative. Based on the present disclosure, it should be understood by those skilled in the art that an aspect described herein may be implemented independently of any other aspect, and two or more of these aspects may be combined in various ways. For example, any number of aspects described herein may be used to implement the device and / or practice the method. In addition, other structures and / or functionalities other than one or more of the aspects described herein may be used to implement this device and / or practice this method.

[0036] Figure 1 FIG. 1 is a diagram showing an example of the architecture of a centralized configurable transaction limit control system according to an embodiment of the present invention. Figure 1 As shown, the system may include a quota control server 101, a communication network 102 and / or one or more quota control clients 103. Figure 1 The example in FIG. 1 is a plurality of quota control clients 103 .

[0037] The quota control server 101 can be any suitable server for storing information, data, programs and / or any other suitable type of content. In some embodiments, the quota control server 101 can perform appropriate functions. For example, in some embodiments, the quota control server 101 can be used to perform centralized configurable transaction quota control. As an optional example, in some embodiments, the quota control server 101 can be used to perform centralized configurable transaction quota control by constructing quota scenarios. For example, the quota control server 101 can be used to: collect quota type information from the business system, obtain quota control objects according to the collected quota type information, and create inspection rules for the obtained quota control objects; perform real-time quota statistics on the quota control objects, and determine whether the corresponding quota control objects need quota control according to the real-time quota statistics and the created inspection rules; construct business scenarios for the quota control objects that need quota control, and construct quota scenarios to perform quota judgment on the quota control objects by constraining the constructed business scenarios.

[0038] As another example, in some embodiments, the quota control server 101 may send a centralized configurable transaction quota control method to the quota control client 103 for the user to use based on the request of the quota control client 103 .

[0039] As an optional example, in some embodiments, the limit control client 103 is used to provide a visual limit control interface, which is used to receive a user's selection input operation for performing centralized configurable transaction limit control, and, in response to the selection input operation, obtain from the limit control server 101 a limit control interface corresponding to the option selected by the selection input operation and display the limit control interface, wherein the limit control interface displays at least information for performing centralized configurable transaction limit control and operation options for the information for performing centralized configurable transaction limit control.

[0040] In some embodiments, the communication network 102 can be any suitable combination of one or more wired and / or wireless networks. For example, the communication network 102 can include any one or more of the following: the Internet, an intranet, a wide area network (WAN), a local area network (LAN), a wireless network, a digital subscriber line (DSL) network, a frame relay network, an asynchronous transfer mode (ATM) network, a virtual private network (VPN), and / or any other suitable communication network. The quota control client 103 can be connected to the communication network 102 via one or more communication links (e.g., communication link 104), and the communication network 102 can be linked to the quota control server 101 via one or more communication links (e.g., communication link 105). The communication link can be any communication link suitable for transmitting data between the quota control client 103 and the quota control server 101, such as a network link, a dial-up link, a wireless link, a hard-wired link, any other suitable communication link, or any suitable combination of such links.

[0041] The limit control client 103 may include any one or more clients that present an interface related to centralized configurable transaction limit control in an appropriate form for use and operation by a user. In some embodiments, the limit control client 103 may include any suitable type of device. For example, in some embodiments, the limit control client 103 may include a mobile device, a tablet computer, a laptop computer, a desktop computer, and / or any other suitable type of client device.

[0042] Although the quota control server 101 is illustrated as one device, in some embodiments, any appropriate number of devices may be used to perform the functions performed by the quota control server 101. For example, in some embodiments, multiple devices may be used to implement the functions performed by the quota control server 101. Alternatively, a cloud service may be used to implement the functions of the quota control server 101.

[0043] Based on the above system, an embodiment of the present invention provides a centralized configurable transaction limit control method, which is described below through the following embodiments.

[0044] Figure 2 FIG. 1 is a flowchart of a centralized configurable transaction limit control method according to an embodiment of the present invention. Figure 2 As shown, the centralized configurable transaction limit control method of this embodiment can be executed on the limit control server, and the centralized configurable transaction limit control method includes the following steps:

[0045] Step S201: Collect quota type information from the business system, obtain a quota control object based on the collected quota type information, and create a check rule for the obtained quota control object.

[0046] As an optional example, in this embodiment, the limit type information includes limit account type information. For example, in practical applications, the limit account type information may be a debit card account, a foreign currency account, or a credit card account, etc., and the present invention does not limit this.

[0047] As an optional example, in this embodiment, a corresponding rule description is created for the quota control object, the created rule description is used to digitally define the inspection rules, and the digitally defined inspection rules are provided externally through the corresponding rule codes.

[0048] Step S202: Perform real-time quota statistics on the quota-controlled objects, and determine whether the corresponding quota-controlled objects need quota control based on the real-time quota statistics and the created inspection rules.

[0049] As an optional example, in this embodiment, real-time limit statistics are performed on the limit control object from the dimensions of daily cumulative limit value, annual cumulative limit value, safe transaction period, transaction location and transaction number. For example, real-time limit statistics can be performed on the limit control object from the dimensions of daily cumulative limit value for account withdrawal, annual cumulative limit value for account withdrawal, daily cumulative limit value for account deposit, annual cumulative limit value for account deposit, daily limit for foreign currency cash deposit, number of foreign currency withdrawals, annual limit for foreign currency remittance, daily limit for foreign currency remittance and annual limit for foreign currency remittance.

[0050] In actual application, the quota control operation is adjusted on the quota control object according to the judgment result of whether the quota control is needed, and the quota control operation adjustment includes quota control update and quota control cancellation.

[0051] Step S203: construct a business scenario for the quota control object that needs quota control, constrain the constructed business scenario, and construct a quota scenario to perform quota judgment on the quota control object.

[0052] As an optional example, in this embodiment, when a quota control object requires quota control, quota condition elements and quota control items are collected for the quota control object, and a corresponding business scenario is constructed by assigning values ​​to the collected quota condition elements.

[0053] After the business scenario is constructed, this embodiment generates a limit control value by assigning values ​​to the collected limit control items, uses the limit control value to constrain the constructed business scenario, constructs a corresponding limit scenario for the limit control object, and uses the constructed limit scenario to perform limit judgment on the limit control object.

[0054] As an optional example, in a quota scenario, a quota judgment is performed on the quota-controlled object based on the real-time quota statistics of the quota-controlled object and the quota control value of the quota object; when the real-time quota statistics of the quota-controlled object is not greater than the limit control value of the quota object, no quota control is performed on the quota-controlled object; when the real-time quota statistics of the quota-controlled object is greater than the limit control value of the quota object, quota control is performed on the quota-controlled object.

[0055] The centralized configurable transaction limit control method of this embodiment is described in detail below in a specific application scenario.

[0056] The centralized configurable transaction limit control method of this embodiment is used to control the amount change of transactions. Based on the capital risk and the rules proposed by the financial management department for the standardized operation of financial business institutions, such as the limits of the second and third types of accounts and the quota management of the People's Bank of China for large and small transfer transactions, this embodiment uses a centralized limit center to manage and control the transaction limits involved in all application components.

[0057] The quota center provides three functions: quota query, quota maintenance, and quota control. The quota center provides service interfaces for other application components or middle platforms, and supports integrated deployment strategies and provides calling methods to support the processing performance requirements of application components. Figure 3 FIG. 1 is a functional architecture diagram of a quota center based on a centralized configurable transaction quota control method according to an embodiment of the present invention. Figure 3 As shown, some functional descriptions of the limit center in this embodiment are shown in Table 1 below.

[0058] Table 1

[0059]

[0060]

[0061] The limit center manages limits based on limit types. The limit types are based on management requirements or business needs. Real-time limit statistics and checks are performed on different control objects during the transaction process. Multiple limit control rule descriptions are allowed. The limit center digitally defines these check rules through limit rules, and each type of rule provides a unique rule code. Examples of limit types are shown in Table 2 below.

[0062] Table 2

[0063]

[0064]

[0065] In this scenario, the limit center defines the three elements of the limit as control objects, control details and condition elements. Control objects include participants, media, contracts and products; control details include cumulative number of transactions, cumulative amount, transaction time, transaction location, etc.; condition elements are designed in a matrix form, and elements can be configured differently, such as initiation channel, business type, currency, product code, institution code, etc. Figure 4 This is an example diagram of three elements of a limit center based on the centralized configurable transaction limit control method according to an embodiment of the present invention.

[0066] Each limit type includes a set of access rules, a limit check object, a set of conditional elements, and a set of limit control items, namely, the three elements of access rules and limits. Access rules are a set of check rules used to set whether the limit type needs to be checked and controlled in different transaction scenarios. According to the constraints of the conditional elements, the conditional elements corresponding to the specified limit type are assigned values ​​to form a limit scenario; each limit scenario corresponds to a set of limit control values ​​(constrained by the limit control items). Figure 5 This is an example diagram of the technical principle of the transaction limit control of the limit object by the limit center based on the centralized configurable transaction limit control method of the embodiment of the present invention. It should be noted that in this embodiment, the limit type, limit scenario and limit control value together constitute the limit control parameters. In actual applications, the limit control parameters include basic, institutional, product, custom contract level limits, etc., and are constrained from top to bottom. Figure 6 An example diagram of the limit center control parameter level of the centralized configurable transaction limit control method according to the embodiment of the present invention; Figure 7 This is another example diagram of the limit center control parameter levels of the centralized configurable transaction limit control method based on an embodiment of the present invention.

[0067] Figure 8 FIG. 1 is an example diagram of the relationship between the limit center and other components of the centralized configurable transaction limit control method according to an embodiment of the present invention. Figure 8 As shown, in this embodiment,

[0068] The relationship between the limit center and other application components and systems is as follows:

[0069] 1. Relationship with the channel integration layer: The maintenance of basic limits needs to be completed by online transactions initiated by channels such as counters. The unified counter or other channels need to implement maintenance interface requirements and connect to complete the configuration and maintenance of data such as limit types, limit check elements, and limit values.

[0070] 2. Relationship with application components: The application component identifies the transaction scenario and the limits to be checked under the transaction scenario, and provides the limit center with the inspection element information required in the limit inspection rules.

[0071] 3. Relationship with the product center: The limit provides limit rules to the product center, and the product configuration platform completes the mapping between product codes and limit rules, and then completes the configuration of product-level limit scenarios; Product limit parameter identification principles: The cumulative amount and cumulative number of transactions used to control customer fund security are limit-related parameters; Limit and product condition execution processing, query and verification of other product parameters are provided externally by the product center; Parameter query and verification processing related to product limits is provided by the limit center; Product-level limits are received by the product center after receiving data provided by the product management platform, and are pushed to the limit center, which is implemented in the limit model by the limit center.

[0072] 4. Relationship with the parameter center: The limit center involves basic limit parameters at the legal entity level, and the parameter center provides maintenance applications. The limit center will work with the parameter center and applications to complete the agreement on limit types and related inspection elements.

[0073] 5. Relationship with the Contract Center: The Limit Center is responsible for preserving the customer-defined copy of the agreed limits; the Contract Center is responsible for providing customers with application services for customized processing of limits and synchronizing relevant data to the Limit Center.

[0074] 6. Relationship with parameter management application: The maintenance of limit parameters is provided by parameter management application with external service capabilities, and parameter management application related to limit model is implemented by the limit center.

[0075] In this scenario, based on the distributed core system construction concept and the centralized configurable transaction limit control method and system of the embodiment of the present invention, the limit center component of the core system of the Construction Bank has its limit control function uniformly handled by the system application layer, and the channel layer, as a transaction request, is no longer responsible for transaction limit control; the application component focuses on its own business capabilities and strips off limit-related processing; the limit control service is uniformly provided by the limit center, and the application components no longer share limit capacity planning, and uniformly use the limit center service to complete limit control; the limit parameters are centrally configured in the limit center, and are no longer scattered in various systems and components.

[0076] The centralized configurable transaction limit control method and system of the embodiment of the present invention sets the limit center component for centrally controlling transaction limits as a capability service provider at the application layer, and the overall architecture is more reasonable; the limit center is independent of other application components, and the functional boundaries are clearer; the limit functions are uniformly designed to effectively ensure the integrity and comprehensiveness of limit control; the limit control is centralized to ensure the effectiveness and accuracy of limit control; the limit parameters are modeled to improve the adaptability of limit rules and can quickly support limit requirements.

[0077] like Fig. 9 As shown, the present invention further provides a device, including a processor 310, a communication interface 320, a memory 330 for storing a computer program executable by the processor, and a communication bus 340. The processor 310, the communication interface 320, and the memory 330 communicate with each other through the communication bus 340. The processor 310 implements the above-mentioned centralized configurable transaction limit control method by running the executable computer program.

[0078] Among them, the computer program in the memory 330 can be implemented in the form of a software functional unit and can be stored in a computer-readable storage medium when it is sold or used as an independent product. Based on this understanding, the technical solution of the present application can be essentially or partly embodied in the form of a software product that contributes to the prior art, and the computer software product is stored in a storage medium, including a number of instructions to enable a computer device (which can be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the various embodiments of the present application. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk and other media that can store program codes.

[0079] The system embodiments described above are merely illustrative, wherein the units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, i.e., they may be located in one place, or they may be distributed on multiple network units. Some or all of the modules may be selected based on actual needs to achieve the purpose of the solution of this embodiment. Those of ordinary skill in the art may understand and implement it without creative effort.

[0080] Through the description of the above implementation methods, those skilled in the art can clearly understand that each implementation method can be implemented by means of software plus a necessary general hardware platform, and of course, it can also be implemented by hardware. Based on this understanding, the above technical solution is essentially or the part that contributes to the prior art can be embodied in the form of a software product, and the computer software product can be stored in a computer-readable storage medium, such as ROM / RAM, a disk, an optical disk, etc., including a number of instructions for a computer device (which can be a personal computer, a server, or a network device, etc.) to execute the methods of each embodiment or some parts of the embodiment.

[0081] The above is only a specific embodiment of the present invention, but the protection scope of the present invention is not limited thereto. Any changes or substitutions that can be easily thought of by a person skilled in the art within the technical scope disclosed by the present invention should be included in the protection scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.

Claims

1. A centralized configurable transaction limit control method, characterized in that: The method comprises: Collect limit type information from the business system, obtain limit control objects based on the collected limit type information, and create inspection rules for the obtained limit control objects; Perform real-time quota statistics on quota control objects, and determine whether the corresponding quota control objects need quota control based on the real-time quota statistics and the created inspection rules; Build business scenarios for the limit control objects that require limit control, constrain the constructed business scenarios, and build limit scenarios to make limit judgments for the limit control objects.

2. The centralized configurable transaction limit control method according to claim 1, characterized in that: The limit type information includes limit account type information.

3. The centralized configurable transaction limit control method according to claim 1, characterized in that: Creating inspection rules for the obtained limit control object includes: creating a corresponding rule description for the limit control object, digitally defining the inspection rules using the created rule description, and providing the digitally defined inspection rules to the outside through corresponding rule codes.

4. The centralized configurable transaction limit control method according to claim 1, characterized in that: Conduct real-time limit statistics on limit-controlled objects, including: conduct real-time limit statistics on limit-controlled objects from the dimensions of daily cumulative limit value, annual cumulative limit value, safe trading period, trading location and number of transactions.

5. The centralized configurable transaction limit control method according to claim 1, characterized in that: Determine whether the corresponding quota control object needs quota control based on real-time quota statistics and created inspection rules, including: adjusting the quota control operation of the quota control object based on the judgment result of whether quota control is needed, and the quota control operation adjustment includes quota control update and quota control cancellation.

6. The centralized configurable transaction limit control method according to claim 1, characterized in that: Constructing a business scenario for a quota control object that requires quota control, including: when the quota control object requires quota control, collecting quota condition elements and quota control items for the quota control object, and constructing a corresponding business scenario by assigning values ​​to the collected quota condition elements.

7. The centralized configurable transaction limit control method according to claim 6, characterized in that: By constraining the constructed business scenarios, limit scenarios are constructed to perform limit judgments on limit control objects, including: assigning values ​​to the collected limit control items to generate limit control values, using the limit control values ​​to constrain the constructed business scenarios, constructing corresponding limit scenarios for the limit control objects, and using the constructed limit scenarios to perform limit judgments on the limit control objects.

8. The centralized configurable transaction limit control method according to claim 7, characterized in that: Use the constructed limit scenario to make limit judgments on the limit control objects, including: In the quota scenario, the quota control object is judged based on the real-time quota statistics of the quota control object and the quota control value of the quota control object; When the real-time quota statistics value of the quota control object is not greater than the limit control value of the quota control object, no quota control is performed on the quota control object; When the real-time quota statistics value of the quota control object is greater than the limit control value of the quota control object, quota control is performed on the quota control object.

9. A centralized configurable transaction limit control system, characterized in that: The system includes a quota control server, which is used to: collect quota type information from the business system, obtain quota control objects based on the collected quota type information, and create inspection rules for the obtained quota control objects; perform real-time quota statistics on the quota control objects, and determine whether the corresponding quota control objects require quota control based on the real-time quota statistics and the created inspection rules; construct business scenarios for the quota control objects that require quota control, and construct quota scenarios to perform quota judgments on the quota control objects by constraining the constructed business scenarios.

10. A computer device, characterized in that: The computer device comprises a memory, a processor and a computer program stored in the memory and executable on the processor, and the processor implements the steps of the method according to any one of claims 1 to 8 when executing the program.

Images