Transaction processing method and device based on multiple factors, electronic equipment, storage medium and program product

Abstract

The embodiment of the invention provides a transaction processing method and device based on multiple factors, electronic equipment, a storage medium and a program product. The method can be used in financial or other fields. The method comprises the following steps: in response to a transaction request, when it is determined that limit control needs to be performed on the transaction request, determining a number combination matched with the transaction request and a limit type matched with the transaction request according to a plurality of transaction factors in the transaction request; wherein the number combination comprises a plurality of quota type numbers, the quota type numbers in the number combination correspond to at least one transaction factor, and the quota type numbers indicate a quota control mode; performing weighting processing on the transaction factors corresponding to the quota type numbers in the number combination to select the to-be-used quota type numbers from the number combination; and according to the quota type, the transaction request and the to-be-used quota type number, performing quota processing on the transaction indicated by the transaction request. The method is used for achieving the effect of improving the accuracy of limit control.

Description

Technical Field

[0001] The present application relates to the financial field, and in particular to a transaction processing method, device, electronic device, storage medium and program product based on multiple factors. Background Art

[0002] With the development and popularization of Internet technology, online transactions have become an indispensable part of modern economic activities. When it comes to large-scale capital flows, financial institutions usually set certain transaction limits, but the existing limit control mechanism often lacks sufficient flexibility and cannot be applied to complex transaction scenarios.

[0003] Furthermore, there is an urgent need for a solution that can accurately determine the limit control method and mechanism based on transaction information. Summary of the invention

[0004] The embodiments of the present application provide a multi-factor based transaction processing method, device, electronic device, storage medium and program product to achieve the effect of improving the accuracy of limit control.

[0005] In a first aspect, an embodiment of the present application provides a transaction processing method based on multiple factors, including:

[0006] In response to a transaction request, when it is determined that limit control is required for the transaction request, a number combination matching the transaction request and a limit type matching the transaction request are determined based on multiple transaction factors in the transaction request; wherein the transaction request includes multiple transaction factors; the number combination includes multiple limit type numbers, the limit type number in the number combination corresponds to at least one transaction factor, and the limit type number indicates a limit control method.

[0007] The transaction factors corresponding to the limit type numbers in the number combination are weighted to select the limit type number to be used from the number combination.

[0008] According to the quota type, the transaction request and the quota type number to be used, quota processing is performed on the transaction indicated by the transaction request.

[0009] In a possible implementation, weighted processing is performed on the transaction factors corresponding to the limit type numbers in the number combination to select the limit type number to be used from the number combination, including:

[0010] The transaction factors corresponding to the limit type numbers in the number combination are weighted to obtain the values ​​of the limit type numbers in the number combination.

[0011] According to the values ​​of the limit type numbers in the number combination, the limit type numbers in the number combination are sorted; and the limit type number with the highest sorting is determined as the limit type number to be used.

[0012] In a possible implementation manner, weighted processing is performed on the transaction factors corresponding to the limit type numbers in the number combination to obtain the values ​​of the limit type numbers in the number combination, including:

[0013] According to the first weight value corresponding to each transaction factor one by one, the transaction factors corresponding to the limit type numbers in the number combination are weighted to obtain the values ​​of the limit type numbers in the number combination.

[0014] Alternatively, determine the second weight value corresponding to the factor combination formed by combining the transaction factors corresponding to the limit type number, and based on the second weight value corresponding to the factor combination, perform weighted processing on the transaction factors corresponding to the limit type number in the number combination to obtain the value of the limit type number in the number combination.

[0015] Alternatively, determine a plurality of third weight values ​​corresponding to a factor combination formed by combining transaction factors corresponding to the limit type number, wherein the third weight value corresponds to at least one transaction factor in the factor combination; and perform weighted processing on the transaction factors corresponding to the limit type number in the number combination according to the plurality of third weight values ​​corresponding to the factor combination to obtain the value of the limit type number in the number combination.

[0016] In a possible implementation manner, determining a factor combination formed by combining transaction factors corresponding to the limit type number and a plurality of third weight values ​​corresponding to the factor combination includes:

[0017] Initial data is obtained, wherein the initial data includes a factor combination and a third weight value; and an initial model is trained according to the initial data to obtain a prediction weight model.

[0018] The transaction factors in the transaction request are input into the prediction weight model to obtain a plurality of third weight values ​​corresponding to the factor combination formed by combining the transaction factors corresponding to the limit type number.

[0019] In a possible implementation, performing quota processing on the transaction indicated by the transaction request according to the quota type, the transaction request, and the quota type number to be used includes:

[0020] If the limit type is a single transaction limit type, it is determined whether the transaction amount in the transaction request is less than the single transaction upper limit value in the limit type number to be used.

[0021] If the transaction amount is greater than the upper limit of a single transaction in the limit type number to be used, a transaction failure message is generated for the transaction indicated by the transaction request, so as to perform limit processing on the transaction indicated by the transaction request.

[0022] If the transaction amount is less than or equal to the upper limit of a single transaction in the limit type number to be used, it is determined to perform transaction processing on the transaction indicated by the transaction request.

[0023] In a possible implementation, performing quota processing on the transaction indicated by the transaction request according to the quota type, the transaction request, and the quota type number to be used includes:

[0024] If the limit type is a balance limit type, determining whether the transaction indicated by the transaction request complies with the sharing mechanism according to the transaction request;

[0025] If the transaction indicated by the transaction request does not comply with the sharing mechanism, then when the sum of the wallet balance and the transaction amount in the transaction request is greater than the upper limit value of the balance in the limit type number to be used, a transaction failure message is generated for the transaction indicated by the transaction request to perform limit processing on the transaction indicated by the transaction request.

[0026] If the transaction indicated by the transaction request complies with the sharing mechanism, then when the sum of the parent wallet balance, the child wallet balance, and the transaction amount in the transaction request is greater than the upper limit value of the parent wallet balance in the limit type number to be used, a transaction failure message is generated for the transaction indicated by the transaction request to perform limit processing on the transaction indicated by the transaction request.

[0027] In a possible implementation, performing quota processing on the transaction indicated by the transaction request according to the quota type, the transaction request, and the quota type number to be used includes:

[0028] If the limit type is a balance limit type, determining whether the transaction indicated by the transaction request complies with a sharing mechanism is performed according to the transaction request.

[0029] If the transaction indicated by the transaction request does not comply with the sharing mechanism, then when the sum of the wallet balance and the transaction amount in the transaction request is greater than the upper limit value of the balance in the limit type number to be used, a transaction failure message is generated for the transaction indicated by the transaction request to perform limit processing on the transaction indicated by the transaction request.

[0030] If the transaction indicated by the transaction request complies with the sharing mechanism, then when the sum of the parent wallet balance, the child wallet balance, and the transaction amount in the transaction request is greater than the upper limit value of the parent wallet balance in the limit type number to be used, a transaction failure message is generated for the transaction indicated by the transaction request to perform limit processing on the transaction indicated by the transaction request.

[0031] In a second aspect, an embodiment of the present application provides a transaction processing device based on multiple factors, including:

[0032] A response module, for responding to a transaction request, and when determining that the transaction request needs to be subject to quota control, determining a number combination matching the transaction request and a quota type matching the transaction request according to multiple transaction factors in the transaction request; wherein the transaction request includes multiple transaction factors; the number combination includes multiple quota type numbers, the quota type number in the number combination corresponds to at least one transaction factor, and the quota type number indicates a quota control method.

[0033] The selection module is used to perform weighted processing on the transaction factors corresponding to the limit type numbers in the number combination to select the limit type number to be used from the number combination.

[0034] A processing module is used to perform quota processing on the transaction indicated by the transaction request according to the quota type, the transaction request and the quota type number to be used.

[0035] In a possible implementation, the selection module includes:

[0036] The processing submodule is used to perform weighted processing on the transaction factors corresponding to the limit type numbers in the number combination to obtain the values ​​of the limit type numbers in the number combination.

[0037] The determination module is used to sort the limit type numbers in the number combination according to the values ​​of the limit type numbers in the number combination; and determine the limit type number with the highest sorting as the limit type number to be used.

[0038] In a possible implementation, the processing submodule includes:

[0039] The first processing submodule is used to perform weighted processing on the transaction factors corresponding to the limit type numbers in the number combination according to the first weight values ​​corresponding to each transaction factor, so as to obtain the values ​​of the limit type numbers in the number combination.

[0040] Alternatively, the second processing sub-module is used to determine the second weight value corresponding to the factor combination formed by combining the transaction factors corresponding to the limit type number, and perform weighted processing on the transaction factors corresponding to the limit type number in the number combination according to the second weight value corresponding to the factor combination to obtain the value of the limit type number in the number combination.

[0041] Alternatively, a third processing submodule is used to determine a plurality of third weight values ​​corresponding to a factor combination formed by combining transaction factors corresponding to the limit type number, wherein the third weight value corresponds to at least one transaction factor in the factor combination; and based on the plurality of third weight values ​​corresponding to the factor combination, weighted processing is performed on the transaction factors corresponding to the limit type number in the number combination to obtain the value of the limit type number in the number combination.

[0042] In a possible implementation, the third processing submodule includes:

[0043] The training module is used to obtain initial data, wherein the initial data includes a factor combination and a third weight value; and train an initial model according to the initial data to obtain a prediction weight model.

[0044] The calculation module is used to input the transaction factors in the transaction request into the prediction weight model to obtain a plurality of third weight values ​​corresponding to the factor combination formed by combining the transaction factors corresponding to the limit type number.

[0045] In a possible implementation, the processing module includes:

[0046] The first judgment module is used to judge whether the transaction amount in the transaction request is less than the single transaction upper limit value in the limit type number to be used if the limit type is a single transaction limit type.

[0047] The second judgment module is used to generate transaction failure information for the transaction indicated by the transaction request if the transaction amount is greater than the upper limit of a single transaction in the limit type number to be used, so as to limit the transaction indicated by the transaction request.

[0048] The third judgment module is used to determine to perform transaction processing on the transaction indicated by the transaction request if the transaction amount is less than or equal to the upper limit value of a single transaction in the limit type number to be used.

[0049] In a possible implementation, the processing module further includes:

[0050] The fourth judgment module is used to determine whether the transaction indicated by the transaction request complies with the sharing mechanism according to the transaction request if the limit type is a balance limit type.

[0051] The fifth judgment module is used to generate transaction failure information for the transaction indicated by the transaction request if the transaction indicated by the transaction request does not comply with the sharing mechanism, so as to limit the transaction indicated by the transaction request when the sum of the wallet balance and the transaction amount in the transaction request is greater than the balance upper limit value in the limit type number to be used.

[0052] The sixth judgment module is used to generate transaction failure information for the transaction indicated by the transaction request if the transaction indicated by the transaction request complies with the sharing mechanism, so as to limit the transaction indicated by the transaction request when the sum of the parent wallet balance, the child wallet balance, and the transaction amount in the transaction request is greater than the upper limit value of the parent wallet balance in the limit type number to be used.

[0053] In a possible implementation, the processing module further includes:

[0054] The seventh judgment module is used to determine whether the transaction indicated by the transaction request complies with the sharing mechanism according to the transaction request if the limit type is a balance limit type.

[0055] an eighth judgment module, for generating transaction failure information for the transaction indicated by the transaction request if the transaction indicated by the transaction request does not comply with the sharing mechanism, so as to perform limit processing on the transaction indicated by the transaction request when the sum of the wallet balance and the transaction amount in the transaction request is greater than the upper limit value of the balance in the limit type number to be used.

[0056] The ninth judgment module is used to generate transaction failure information for the transaction indicated by the transaction request if the transaction indicated by the transaction request complies with the sharing mechanism, so as to limit the transaction indicated by the transaction request when the sum of the parent wallet balance, the child wallet balance, and the transaction amount in the transaction request is greater than the upper limit value of the parent wallet balance in the limit type number to be used.

[0057] In a third aspect, an embodiment of the present application provides an electronic device, including: a memory, a processor;

[0058] The memory stores computer-executable instructions;

[0059] The processor executes the computer-executable instructions stored in the memory, so that the processor executes the above first aspect and / or various possible implementations of the first aspect.

[0060] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, in which computer-executable instructions are stored. When the computer-executable instructions are executed by a processor, they are used to implement the first aspect above and / or various possible implementations of the first aspect.

[0061] The embodiment of the present application provides a transaction processing method, device, electronic device, storage medium and program product based on multiple factors. When the system receives a transaction request, it first determines whether it is necessary to perform quota control on the transaction request. If quota control is required, the system extracts multiple transaction factors in the transaction request. The system determines the number combination and quota type that match the transaction request based on these transaction factors. Each number combination contains multiple quota type numbers, which correspond to at least one transaction factor and indicate the specific quota control method. The transaction factors corresponding to the quota type numbers in the number combination are weighted, and the score of each quota type number is calculated, and the quota type number with the highest score is selected as the quota type number to be used. According to the determined quota type, transaction request and quota type number to be used, the transaction indicated by the transaction request is quota processed, thereby achieving the effect of improving the accuracy of quota control. BRIEF DESCRIPTION OF THE DRAWINGS

[0062] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0063] Figure 1 A schematic diagram of a multi-factor transaction processing method provided in an embodiment of the present application Figure 1 ;

[0064] Figure 2 A schematic diagram of a multi-factor transaction processing method provided in an embodiment of the present application Figure 2 ;

[0065] Figure 3 A schematic diagram of a multi-factor transaction processing device provided in an embodiment of the present application Figure 1 ;

[0066] Figure 4 A schematic diagram of a multi-factor transaction processing device provided in an embodiment of the present application Figure 2 ;

[0067] Figure 5 A schematic diagram of the structure of an electronic device provided in an embodiment of the present application.

[0068] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0069] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.

[0070] With the rapid development of e-commerce and mobile payments, online transactions have become an important part of modern social and economic activities. This trend is not only reflected in the daily shopping of individual consumers, but also has a profound impact on the financial management methods of enterprises and institutions. In order to improve efficiency, reduce costs and enhance the transparency of capital flow, more and more enterprises and institutions have begun to use online transfers to pay salaries, allowances, subsidies and other funds to employees or partners. This change not only simplifies the traditional manual payment process, but also provides employees with a more convenient and immediate way to obtain funds, while enhancing the standardization and traceability of the financial management of enterprises and institutions.

[0071] However, while online transactions bring convenience, they also come with a series of new challenges, especially the issue of transaction limits. Due to financial security, anti-money laundering, and anti-fraud considerations, financial institutions (including banks, third-party payment platforms, etc.) usually strictly monitor users' transaction behaviors and set transaction limits to prevent potential financial risks. These limits may be set based on a variety of factors such as account type, user identity authentication level, historical transaction patterns, etc., in order to protect user funds and prevent unauthorized access or abuse.

[0072] For employees of enterprises and institutions and other users who frequently need to handle large transactions, these institutional limits may become a major obstacle. Especially in scenarios such as payroll payment days, bonus collection, large purchases or emergency fund transfers, users may not be able to complete transactions smoothly due to reaching or exceeding the limit, which not only affects the user's fund utilization efficiency, but may also have an adverse impact on the operation and management of enterprises and institutions.

[0073] Currently, most limit control mechanisms rely on a few fixed factors such as merchant category and account type to determine transaction limits. Although this approach is simple and direct, it may be overly restrictive for users with good credit records or specific professional backgrounds and cannot fully meet their reasonable transaction needs.

[0074] Therefore, the multi-factor-based transaction processing method, device, electronic device, storage medium and program product provided by the present application can solve the above problems.

[0075] It should be noted that the method and device for transaction processing based on multiple factors of the present application can be used in the financial field, and can also be used in any field other than the financial field. The application field of the method and device for transaction processing based on multiple factors of the present application is not limited.

[0076] The technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems are described in detail below with specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0077] Figure 1 A schematic diagram of a multi-factor transaction processing method provided in an embodiment of the present application Figure 1 ,like Figure 1 As shown, the method includes:

[0078] S101. In response to a transaction request, when it is determined that a limit control is required for the transaction request, a number combination matching the transaction request and a limit type matching the transaction request are determined according to multiple transaction factors in the transaction request; wherein the transaction request includes multiple transaction factors; the number combination includes multiple limit type numbers, the limit type number in the number combination corresponds to at least one transaction factor, and the limit type number indicates a limit control method.

[0079] Exemplarily, the limit type refers to the specific method or category of limiting transactions, such as single limit type, balance limit type, cumulative limit type, etc.; the transaction request is submitted to the transaction system by the party initiating the transaction, and it contains multiple transaction factors, which comprehensively cover all necessary information of the transaction, such as but not limited to transaction channel, payment channel, wallet level, wallet type, wallet customer group, transaction type, scenario mode and protocol type, etc. The limit type number to be used is selected from multiple possible limit types and is used for limit processing of the current transaction. The limit type number is associated with a specific limit type and transaction factor combination, which determines the maximum amount or other restriction conditions that can be made in the transaction.

[0080] When the system receives a transaction request, this is the starting point of the entire process. The transaction request may come from a user, an application, or other system interface, and this embodiment does not limit it. The transaction parameters of the transaction request are obtained, and the transaction parameters are used to determine whether the business scenario is within the limit control range. If so, the transaction parameters are passed to the limit processing system. Under the framework of the transaction, a mapping mechanism is established, which links a series of transaction factors (i.e., various variables that affect transaction decisions) with specific limit type numbers. Each transaction factor can exist alone or in combination with other factors to form a unique transaction scenario. When multiple transaction factors in the transaction request are entered, the system will match the corresponding number combination and limit type according to the combination status of these factors (i.e., whether they are combined). This number combination further corresponds to multiple limit type numbers, and each limit type number is reversely mapped to a combination of one or more transaction factors; wherein the limit type number indicates the specific method or strategy for implementing limit control.

[0081] S102. Perform weighted processing on the transaction factors corresponding to the limit type numbers in the number combination to select the limit type number to be used from the number combination.

[0082] Exemplarily, all relevant transaction factors are extracted from the transaction request, and a weight value is assigned to each transaction factor. The weight value can be determined based on historical data, expert experience, or a machine learning model. For each limit type number in the number combination, its corresponding score is calculated by. According to the calculated score, the limit type number with the highest score is selected from the number combination as the limit control method to be used. If there are multiple limit type numbers with the same score, other factors such as historical performance, market conditions, etc. can be further considered to make the final selection.

[0083] S103: Perform quota processing on the transaction indicated by the transaction request according to the quota type, the transaction request and the quota type number to be used.

[0084] Exemplarily, the corresponding limit information is obtained from the limit management system or database according to the limit type number to be used. The limit information may include the specific value of the limit (such as the maximum transaction amount), the validity period of the limit, the applicable transaction type, etc. The key information in the transaction request is compared with the limit information to verify whether the transaction meets the limit requirements. This may include checking whether the transaction amount exceeds the limit, whether the transaction type is within the applicable range of the limit, whether the transaction time is within the validity period of the limit, etc. If the transaction request meets the limit requirements, the transaction is allowed to continue. If the transaction request does not meet the limit requirements (such as the transaction amount exceeds the limit), the limit control measures are executed, such as rejecting the transaction, prompting the user to modify the transaction amount, requesting additional authorization or approval, etc.

[0085] The embodiment of the present application provides a multi-factor based transaction processing method. When the system receives a transaction request, it first determines whether it is necessary to perform quota control on the transaction request. If quota control is required, the system will extract multiple transaction factors in the transaction request. Based on these transaction factors, the system determines the number combination and quota type that match the transaction request. Each number combination contains multiple quota type numbers, which correspond to at least one transaction factor and indicate the specific quota control method. The transaction factors corresponding to the quota type numbers in the number combination are weighted, the score of each quota type number is calculated, and the quota type number with the highest score is selected as the quota type number to be used. According to the determined quota type, transaction request and quota type number to be used, the transaction indicated by the transaction request is quota processed, thereby achieving the effect of improving the accuracy of quota control.

[0086] Figure 2 A schematic diagram of a multi-factor transaction processing method provided in an embodiment of the present application Figure 2 ,like Figure 2 As shown, in this embodiment Figure 1 Based on the embodiment, a transaction processing method based on multiple factors is described in detail, and the method includes:

[0087] S201. In response to a transaction request, when it is determined that a limit control is required for the transaction request, a number combination matching the transaction request and a limit type matching the transaction request are determined according to multiple transaction factors in the transaction request; wherein the transaction request includes multiple transaction factors; the number combination includes multiple limit type numbers, the limit type number in the number combination corresponds to at least one transaction factor, and the limit type number indicates a limit control method.

[0088] Exemplarily, this step may refer to the above-mentioned step S101 and will not be described in detail.

[0089] S202: weighting the transaction factors corresponding to the quota type numbers in the number combination to obtain the value of the quota type numbers in the number combination. Sort the quota type numbers in the number combination according to the value of the quota type numbers in the number combination; and determine the highest ranked quota type number as the quota type number to be used.

[0090] Exemplarily, for each quota type number in the number combination, its corresponding transaction factor is determined. These transaction factors are weighted. Weighted processing usually refers to multiplying the transaction factor by the weight according to a certain rule or algorithm to calculate the weighted value of each quota type number; the purpose of this step is to evaluate the relative importance of each quota type number in the overall combination. The value of each quota type number is obtained through the result of weighted processing. Among them, there are three methods for calculating the value of the quota type number, and one of them can be selected for calculation. This value can be regarded as a quantitative representation of the effectiveness or priority of the number in the current combination. According to the calculated value, all the quota type numbers in the number combination are sorted. The purpose of sorting is to identify which quota type number is the most important or has the highest priority in the current combination. The sorting can be from high to low or from low to high, depending on the application scenario and business requirements. After the sorting is completed, the quota type number with the highest ranking is selected. The highest ranking means that the value of the number is the largest, and therefore it is the most important or has the highest priority in the current combination. The quota type number with the highest ranking is determined as the quota type number to be used.

[0091] In one example, based on the first weight value corresponding to each transaction factor, the transaction factors corresponding to the limit type numbers in the number combination are weighted to obtain the values ​​of the limit type numbers in the number combination.

[0092] Exemplarily, the first method for calculating the limit type number value is to assign a first weight value to each transaction factor. The determination of the first weight value can be based on historical data or expert experience. For example, the weight of the transaction amount may be higher because it directly affects the risk level; the weight of the customer's credit rating is also higher because the customer's credit status is an important indicator for assessing risk; the weight of the transaction frequency may be lower, but in some cases (such as high-frequency trading) it may also be higher. Multiply the value of each transaction factor by its corresponding first weight value, and then sum them to obtain the total value of the limit type number.

[0093] Exemplarily, the transaction factors in the target transaction request include: the transaction channel is PC, the payment channel is bank card payment, the wallet level is advanced, the wallet customer group is business owner, the transaction type is transfer, and the protocol type is standard payment protocol. Table 1 is a number combination table matched according to the transaction factors. As shown in Table 1, the number combination table includes limit type numbers 001 to 006, and the limit type number 001 includes information on the transaction channel factor; the limit type number 002 includes information on the transaction channel factor and the payment channel factor; the limit type number 003 includes information on the transaction channel factor, the payment channel factor, and the wallet level factor; the limit type number 004 includes information on the transaction channel factor, the payment channel factor, the wallet level factor, and the wallet customer group factor; the limit type number 005 includes information on the transaction channel factor, the payment channel factor, the wallet level factor, the wallet customer group factor, and the transaction type factor; the limit type number 006 includes information on the transaction channel factor, the payment channel factor, the wallet level factor, the wallet customer group factor, the transaction type factor, and the protocol type factor.

[0094] Table 1 contains examples of number combinations for multiple limit type numbers

[0095]

[0096] Based on historical data or expert experience, the weight of the transaction channel factor is set to 0.1, because the risks of different channels may vary, but their impact is smaller than other factors; the weight of the payment channel factor is set to 0.15, and the choice of payment channel may affect the security and convenience of transactions; the weight of the wallet level factor is set to 0.2, and the wallet level usually reflects the user's financial strength and risk tolerance; the weight of the wallet customer base factor is set to 0.15, and different customer bases may affect the risk level of transactions; the weight of the transaction type factor is set to 0.1, and different types of transactions may have different risk points; the weight of the protocol type factor is set to 0.05, although modern trading systems generally use secure protocols, the protocol type is still a factor in evaluating transaction security.

[0097] Based on historical data or expert experience, set mobile transactions in the transaction channel factor to 1 and PC transactions to 2; set third-party payments in the payment channel factor to 1 and bank card payments to 2; set the first level in the wallet level factor to 1, the second level to 2, and the third level to 3; set students in the wallet customer group factor to 1, office workers to 2, and business owners to 3; set transfers in the transaction type factor to 1, payments to 2, and recharges to 3; set specific partner agreements in the agreement type factor to 1 and standard payment agreements to 2.

[0098] According to the weight and value of each factor, through weighted processing, the value of each limit type number in the number combination is calculated. The value of limit type number 001 is 0.2; the value of limit type number 002 is 0.5; the value of limit type number 003 is 0.9; the value of limit type number 004 is 1.45; the value of limit type number 005 is 1.55; the value of limit type number 006 is 1.75.

[0099] In one example, alternatively, a second weight value corresponding to a factor combination formed by combining transaction factors corresponding to the limit type number is determined, and based on the second weight value corresponding to the factor combination, the transaction factors corresponding to the limit type number in the number combination are weighted to obtain the value of the limit type number in the number combination.

[0100] Exemplarily, the second method for calculating the limit type number value is: historical data or expert experience clearly defines which transaction factors are combined to form a specific factor combination, and a second weight value is assigned to each factor combination. This second weight value reflects the relative importance of the factor combination in assessing transaction risks or determining limits. For example (these are only examples, and the actual value should be determined according to the specific situation), when the mobile transaction in the transaction channel factor and the third-party payment in the payment channel factor appear at the same time, the combined weight is 0.5; when the third level in the wallet level factor and the student in the wallet customer group factor appear at the same time, the combined weight is 0.3.

[0101] According to the value, weight and combined weight of each factor, weighted processing is used to calculate the value of each limit type number in the number combination.

[0102] In one example, alternatively, a plurality of third weight values ​​corresponding to a factor combination formed by combining transaction factors corresponding to the limit type number are determined, wherein the third weight value corresponds to at least one transaction factor in the factor combination; and based on the plurality of third weight values ​​corresponding to the factor combination, weighted processing is performed on the transaction factors corresponding to the limit type number in the number combination to obtain the value of the limit type number in the number combination.

[0103] In one example, initial data is obtained, wherein the initial data includes a factor combination and a third weight value; and an initial model is trained based on the initial data to obtain a prediction weight model. The transaction factors in the transaction request are input into the prediction weight model to obtain a factor combination of each transaction factor corresponding to the limit type number, and a plurality of third weight values ​​corresponding to the factor combination.

[0104] Exemplarily, the third method for calculating the limit type number value is as follows: First, collect initial data including transaction factors, transaction factor combinations, third weight values, and limit type numbers. These data may come from historical transaction records, expert evaluations, or other reliable data sources. The initial data should be rich and diverse enough to cover various possible transaction scenarios and factor combinations. Then, the initial data is cleaned (for example, processing missing values, outliers, etc.), feature selected (selecting transaction factors that are useful for model prediction), and feature scaled (ensuring that the value ranges of different features are on the same scale). Next, use the initial data to train a predictive weight model. This model can be a machine learning model, such as linear regression, decision tree, random forest, or neural network. The goal of the predictive weight model is to learn how to predict weight values ​​based on factor combinations, and the model can predict the corresponding third weight values ​​based on the input transaction factor combinations. Input the transaction factors in the transaction request into the trained predictive weight model. Through the prediction of the model, the factor combinations of the transaction factors corresponding to the limit type number and the multiple third weight values ​​corresponding to these factor combinations are obtained.

[0105] Exemplarily, an anomaly detection mechanism is added to the transaction process. When the transaction factor information is incomplete (such as the validity period of the certificate has expired) or a specific rule is triggered, it is considered that there is a risk of money laundering or fraud. Once an abnormal situation is detected, the system automatically lowers the limit level of the current transaction scenario. For example, if it was originally set as a Category 2 wallet, it is adjusted to the limit standard of Category 4 wallets, that is, stricter transaction restrictions are adopted. The updated transaction parameters are input into the predictive weight model again, and a new third weight value is calculated based on the latest transaction factor combination, and the limit type number is adjusted accordingly to achieve dynamic transaction control. Finally, according to the adjusted third weight value, the transaction factors corresponding to the limit type number in the number combination are weighted to calculate the limit type number value.

[0106] S203: Perform quota processing on the transaction indicated by the transaction request according to the quota type, the transaction request and the quota type number to be used.

[0107] In one example, if the limit type is a single transaction limit type, it is determined whether the transaction amount in the transaction request is less than the single transaction upper limit value in the limit type number to be used;

[0108] If the transaction amount is greater than the upper limit of a single transaction in the limit type number to be used, a transaction failure message is generated for the transaction indicated by the transaction request, so as to limit the transaction indicated by the transaction request;

[0109] If the transaction amount is less than or equal to the upper limit of a single transaction in the limit type number to be used, it is determined that the transaction indicated by the transaction request is to be processed.

[0110] Exemplarily, when it is determined that the limit type is a single limit type according to the transaction request, first, the transaction amount in the transaction request is determined. Then, the transaction amount is compared with the single transaction upper limit value in the limit type number to be used. The single transaction upper limit value is the maximum allowable amount of a single transaction corresponding to the optimal limit type number determined in step S202. If the transaction amount is greater than the single transaction upper limit value, it means that the transaction request exceeds the allowed limit and a transaction failure message needs to be generated. The transaction failure message is feedback on the limit processing of the transaction request, which usually includes the reason for the failure (such as exceeding the limit) and possible suggestions or subsequent steps. The purpose of generating the transaction failure message is to notify the transaction initiator that the transaction cannot be completed, and may provide further guidance or options. If the transaction amount is less than or equal to the single transaction upper limit value, it means that the transaction request is within the allowed limit range, and it can be determined that the transaction indicated by the transaction request is processed normally.

[0111] In one possible embodiment, the limit type is determined to be a single transaction limit type, the transaction amount in the transaction request is RMB 10,000, and the maximum allowable amount for a single transaction corresponding to the limit type number to be used is RMB 8,000. Since the transaction amount (RMB 10,000) is greater than the upper limit value of a single transaction (RMB 8,000), the transaction request exceeds the allowed limit and a transaction failure message is generated.

[0112] In one example, if the limit type is a balance limit type, determining whether the transaction indicated by the transaction request complies with the sharing mechanism according to the transaction request;

[0113] If the transaction indicated by the transaction request does not comply with the sharing mechanism, when the sum of the wallet balance and the transaction amount in the transaction request is greater than the upper limit of the balance in the limit type number to be used, a transaction failure message is generated for the transaction indicated by the transaction request, so as to limit the transaction indicated by the transaction request;

[0114] If the transaction indicated by the transaction request complies with the sharing mechanism, then when the sum of the parent wallet balance, the child wallet balance, and the transaction amount in the transaction request is greater than the upper limit value of the parent wallet balance in the limit type number to be used, a transaction failure message is generated for the transaction indicated by the transaction request to perform limit processing on the transaction indicated by the transaction request.

[0115] Exemplarily, when the limit type is determined to be a balance limit type according to the transaction request, first, it is determined whether the transaction complies with the sharing mechanism according to the transaction request. The sharing mechanism usually involves the sharing or joint use of balances between multiple accounts (such as a parent wallet and a sub-wallet). The applicability of the sharing mechanism may depend on the type of transaction, the account settings, or other business rules. If the transaction request does not comply with the sharing mechanism, only the balance of a single wallet in the transaction request is considered, and it is checked whether the sum of the wallet balance and the transaction amount is greater than the upper limit of the balance in the limit type number to be used. If the sum is greater than the upper limit of the balance, a transaction failure message is generated. This means that the transaction request exceeds the allowed balance limit and cannot be carried out. The purpose of generating the transaction failure message is to notify the transaction initiator that the transaction is rejected and may provide the reason for the failure. If the sum is less than or equal to the upper limit of the balance, the transaction is allowed to proceed. If the transaction request complies with the sharing mechanism, it is necessary to consider the joint balance of the parent wallet and the sub-wallet, and check whether the sum of the parent wallet balance, the sub-wallet balance, and the transaction amount is greater than the upper limit of the parent wallet balance in the limit type number to be used. If the sum is greater than the upper limit of the parent wallet balance, a transaction failure message is generated. This means that even under the sharing mechanism, the transaction request still exceeds the allowed balance limit. The purpose of generating transaction failure information is also to notify the transaction initiator that the transaction is rejected and provide the corresponding failure reason. If the sum is less than or equal to the upper limit of the parent wallet balance, the transaction is allowed to continue.

[0116] In a possible embodiment, when the limit type is determined to be a balance limit type and meets the sharing mechanism, the transaction amount in the transaction request is 10,000 yuan, the parent wallet balance is 8,000 yuan, and the sub-wallet balance is 3,000 yuan. The upper limit value of the parent wallet balance in the limit type number to be used is 12,000 yuan. The sum of the parent wallet balance (8,000 yuan), the sub-wallet balance (3,000 yuan) and the transaction amount (10,000 yuan) is calculated to be 21,000 yuan. Since the total (21,000 yuan) is greater than the upper limit value of the parent wallet balance (12,000 yuan), the transaction request exceeds the allowed limit and a transaction failure message is generated.

[0117] In one example, if the limit type is a cumulative limit type, determining whether the transaction indicated by the transaction request complies with the sharing mechanism according to the transaction request;

[0118] If the transaction indicated by the transaction request does not comply with the sharing mechanism, when the sum of the cumulative transaction amount and the transaction amount in the transaction request is greater than the upper limit of the cumulative transaction amount in the limit type number to be used, a transaction failure message is generated for the transaction indicated by the transaction request, so as to perform limit processing on the transaction indicated by the transaction request;

[0119] If the transaction indicated by the transaction request complies with the sharing mechanism, then when the sum of all the accumulated total amounts in the sharing group in the transaction request and the transaction amount is greater than the upper limit value of the accumulated transaction amount in the limit type number to be used, a transaction failure message will be generated for the transaction indicated by the transaction request to perform limit processing on the transaction indicated by the transaction request.

[0120] Exemplarily, when it is determined that the limit type is a cumulative limit type according to the transaction request, first, it is determined whether the transaction complies with the sharing mechanism according to the transaction request. The sharing mechanism includes multiple shared accounts, shared transaction types, etc. If the transaction request does not comply with the sharing mechanism, only the cumulative transaction amount (today's cumulative\this year's cumulative) of a single account in the transaction request is considered. Check whether the sum of the cumulative transaction amount (today's cumulative\this year's cumulative) of the account and the current transaction amount is greater than the upper limit of the cumulative transaction amount in the limit type number to be used (today's cumulative\this year's cumulative). If the sum is greater than the upper limit of the cumulative transaction amount, a transaction failure message is generated. This means that the transaction request exceeds the allowed cumulative limit and cannot be carried out. The purpose of generating the transaction failure message is to notify the transaction initiator that the transaction is rejected, and may provide reasons and suggestions for the failure. If the sum is less than or equal to the upper limit of the cumulative transaction amount, the transaction is allowed to continue. If the transaction request complies with the sharing mechanism, it is necessary to consider all the cumulative total amounts of the transaction in the sharing group (today's cumulative\this year's cumulative). Calculate whether the total cumulative amount of all accounts in the shared group of the exchange (today's cumulative amount\this year's cumulative amount) and the sum of the current transaction amount are greater than the cumulative transaction amount upper limit value (today's cumulative amount\this year's cumulative amount) in the limit type number to be used. If the sum is greater than the cumulative transaction amount upper limit value, a transaction failure message is generated. This means that even under the sharing mechanism, the transaction request still exceeds the allowed cumulative limit. The purpose of generating a transaction failure message is also to notify the transaction initiator that the transaction is rejected, and provide the corresponding failure reasons and possible solutions. If the sum is less than or equal to the cumulative transaction amount upper limit value, the transaction is allowed to continue.

[0121] In a possible embodiment, when the limit type is determined to be a cumulative limit type and complies with the sharing mechanism, the transaction amount in the transaction request is 1,000 yuan, the total cumulative transaction amount for the day within the sharing group is 2,000 yuan, and the total cumulative transaction amount for the year within the sharing group is 9,100 yuan. The upper limit value of the cumulative transaction amount for the day in the limit type number to be used is 5,000 yuan, and the upper limit value of the cumulative transaction amount for the year is 10,000 yuan. Although the transaction amount is (1,000 yuan) plus the total cumulative transaction amount for the day within the sharing group (2,000 yuan), which does not exceed the upper limit value of the cumulative transaction amount for the day (5,000 yuan), the transaction amount is (1,000 yuan) plus the total cumulative transaction amount for the year within the sharing group (9,100 yuan), which is greater than the upper limit value of the cumulative transaction amount for the year (10,000 yuan), then the transaction request exceeds the allowed limit and a transaction failure message is generated.

[0122] The embodiment of the present application provides a multi-factor based transaction processing method. When determining that a transaction request needs to be subject to quota control, first determine a matching number combination and a quota type according to multiple transaction factors included in the transaction request, wherein the number combination covers multiple quota type numbers, each number corresponds to at least one transaction factor and indicates a quota control method; then, weighted processing is performed on the transaction factors corresponding to these numbers to obtain their respective values, and the quota type numbers are sorted accordingly, and the highest sorted number is selected as the quota type number to be used; the weighted processing can be based on a first weight value corresponding to each transaction factor, or based on a second weight value corresponding to the factor combination, or based on multiple third weight values ​​corresponding to each transaction factor in the factor combination; finally, based on the determined quota type, transaction request and quota type number to be used, a quota processing method is performed on the transaction, so as to achieve more accurate and flexible dynamic determination and application of the most appropriate quota type number according to multiple factors in the transaction request and their interrelationships, thereby optimizing the transaction risk management and the effect of the quota method.

[0123] Figure 3 A schematic diagram of a multi-factor transaction processing device provided in an embodiment of the present application Figure 1 ,like Figure 3 As shown, a multi-factor transaction processing device 30 provided in this embodiment includes:

[0124] The response module 301 is used to respond to the transaction request, and when it is determined that the transaction request needs to be subject to quota control, determine a number combination matching the transaction request and a quota type matching the transaction request according to multiple transaction factors in the transaction request; wherein the transaction request includes multiple transaction factors; the number combination includes multiple quota type numbers, the quota type number in the number combination corresponds to at least one transaction factor, and the quota type number indicates a quota control method;

[0125] A selection module 302, for performing weighted processing on the transaction factors corresponding to the limit type numbers in the number combination, so as to select the limit type number to be used from the number combination;

[0126] The processing module 303 is used to perform quota processing on the transaction indicated by the transaction request according to the quota type, the transaction request and the quota type number to be used.

[0127] The present embodiment provides a multi-factor based transaction processing device, which can execute the method provided in the above method embodiment. Its implementation principle and technical effect are similar, and will not be described in detail in this embodiment.

[0128] Figure 4 A schematic diagram of a multi-factor transaction processing device provided in an embodiment of the present application Figure 2 ,like Figure 4 As shown, a multi-factor based transaction processing device 40 provided in this embodiment includes:

[0129] The response module 41 is used to respond to the transaction request, and when it is determined that the transaction request needs to be subject to quota control, determine a number combination matching the transaction request and a quota type matching the transaction request according to multiple transaction factors in the transaction request; wherein the transaction request includes multiple transaction factors; the number combination includes multiple quota type numbers, the quota type number in the number combination corresponds to at least one transaction factor, and the quota type number indicates a quota control method;

[0130] A selection module 42, for performing weighted processing on the transaction factors corresponding to the limit type numbers in the number combination, so as to select the limit type number to be used from the number combination;

[0131] The processing module 43 is used to perform quota processing on the transaction indicated by the transaction request according to the quota type, the transaction request and the quota type number to be used.

[0132] In one example, the selection module 42 includes:

[0133] The processing submodule 421 is used to perform weighted processing on the transaction factors corresponding to the limit type numbers in the number combination to obtain the values ​​of the limit type numbers in the number combination.

[0134] The determination module 422 is used to sort the quota type numbers in the number combination according to the values ​​of the quota type numbers in the number combination; and determine the quota type number with the highest sorting as the quota type number to be used.

[0135] In one example, the processing submodule 421 includes:

[0136] The first processing submodule 4211 is used to perform weighted processing on the transaction factors corresponding to the limit type numbers in the number combination according to the first weight values ​​corresponding to each transaction factor, so as to obtain the values ​​of the limit type numbers in the number combination.

[0137] Alternatively, the second processing sub-module 4212 is used to determine the second weight value corresponding to the factor combination formed by combining the transaction factors corresponding to the limit type number, and perform weighted processing on the transaction factors corresponding to the limit type number in the number combination according to the second weight value corresponding to the factor combination to obtain the value of the limit type number in the number combination.

[0138] Alternatively, the third processing submodule 4213 is used to determine a plurality of third weight values ​​corresponding to a factor combination formed by combining transaction factors corresponding to the limit type number, wherein the third weight value corresponds to at least one transaction factor in the factor combination; and based on the plurality of third weight values ​​corresponding to the factor combination, weighted processing is performed on the transaction factors corresponding to the limit type number in the number combination to obtain the value of the limit type number in the number combination.

[0139] In one example, the third processing submodule 4213 includes:

[0140] The training module 42131 is used to obtain initial data, wherein the initial data includes a factor combination and a third weight value; and train an initial model according to the initial data to obtain a prediction weight model;

[0141] The calculation module 42132 is used to input the transaction factors in the transaction request into the prediction weight model to obtain a plurality of third weight values ​​corresponding to the factor combination formed by combining the transaction factors corresponding to the limit type number.

[0142] In one example, the processing module 43 includes:

[0143] The first judgment module 431 is used to judge whether the transaction amount in the transaction request is less than the single transaction upper limit value in the limit type number to be used if the limit type is a single transaction limit type.

[0144] The second judgment module 432 is used to generate transaction failure information for the transaction indicated by the transaction request if the transaction amount is greater than the upper limit of a single transaction in the limit type number to be used, so as to limit the transaction indicated by the transaction request.

[0145] The third judgment module 433 is used to determine to perform transaction processing on the transaction indicated by the transaction request if the transaction amount is less than or equal to the upper limit value of a single transaction in the limit type number to be used.

[0146] In one example, the processing module 43 further includes:

[0147] The fourth determination module 434 is configured to determine whether the transaction indicated by the transaction request complies with the sharing mechanism according to the transaction request if the limit type is a balance limit type;

[0148] The fifth judgment module 435 is used to generate transaction failure information for the transaction indicated by the transaction request if the transaction indicated by the transaction request does not comply with the sharing mechanism, when the sum of the wallet balance and the transaction amount in the transaction request is greater than the upper limit of the balance in the limit type number to be used, so as to limit the transaction indicated by the transaction request;

[0149] The sixth judgment module 436 is used to generate transaction failure information for the transaction indicated by the transaction request if the transaction indicated by the transaction request complies with the sharing mechanism, so as to limit the transaction indicated by the transaction request when the sum of the parent wallet balance, the child wallet balance, and the transaction amount in the transaction request is greater than the upper limit value of the parent wallet balance in the limit type number to be used.

[0150] In one example, the processing module 43 further includes:

[0151] A seventh determination module 437 is configured to determine whether the transaction indicated by the transaction request complies with the sharing mechanism according to the transaction request if the limit type is a balance limit type;

[0152] The eighth judgment module 438 is used to generate transaction failure information for the transaction indicated by the transaction request if the transaction indicated by the transaction request does not comply with the sharing mechanism, so as to limit the transaction indicated by the transaction request when the sum of the wallet balance and the transaction amount in the transaction request is greater than the upper limit value of the balance in the limit type number to be used.

[0153] The ninth judgment module 439 is used to generate transaction failure information for the transaction indicated by the transaction request if the transaction indicated by the transaction request complies with the sharing mechanism, so as to limit the transaction indicated by the transaction request when the sum of the parent wallet balance, the child wallet balance, and the transaction amount in the transaction request is greater than the upper limit value of the parent wallet balance in the limit type number to be used.

[0154] The present embodiment provides a multi-factor based transaction processing device, which can execute the method provided in the above method embodiment. Its implementation principle and technical effect are similar, and will not be described in detail in this embodiment.

[0155] Figure 5 This is a schematic diagram of the structure of an electronic device provided in an embodiment of the present application. Figure 5As shown, the electronic device 50 provided in this embodiment includes: at least one processor 501 and a memory 502. Optionally, the device 50 also includes a communication component 503. The processor 501, the memory 502 and the communication component 503 are connected via a bus 504.

[0156] In a specific implementation process, at least one processor 501 executes the computer-executable instructions stored in the memory 502, so that at least one processor 501 executes the above method.

[0157] The specific implementation process of the processor 501 can be found in the above method embodiment, and its implementation principle and technical effect are similar, so this embodiment will not be repeated here.

[0158] In the above embodiments, it should be understood that the processor may be a central processing unit (CPU), or other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), etc. A general-purpose processor may be a microprocessor or any conventional processor. The steps of the method disclosed in the invention may be directly implemented as being executed by a hardware processor, or may be executed by a combination of hardware and software modules in the processor.

[0159] The memory may include a high-speed memory (Random Access Memory, RAM), and may also include a non-volatile memory (Non-volatile Memory, NVM), such as at least one disk memory.

[0160] The bus may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, the bus in the drawings of the present application is not limited to only one bus or one type of bus.

[0161] The present application also provides a computer program product, including a computer program, which implements the above method when executed by a processor.

[0162] The present application also provides a computer-readable storage medium, in which computer-executable instructions are stored. When a processor executes the computer-executable instructions, the above method is implemented.

[0163] The above-mentioned readable storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic disk or optical disk. The readable storage medium can be any available medium that can be accessed by a general or special-purpose computer.

[0164] An exemplary readable storage medium is coupled to a processor so that the processor can read information from the readable storage medium and write information to the readable storage medium. Of course, the readable storage medium can also be a component of the processor. The processor and the readable storage medium can be located in an application specific integrated circuit (Application Specific Integrated Circuits, referred to as: ASIC). Of course, the processor and the readable storage medium can also exist in the device as discrete components.

[0165] The division of units is only a logical function division, and there may be other divisions in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interface, device or unit, which can be electrical, mechanical or other forms.

[0166] 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, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0167] In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.

[0168] If the function is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, or the part that contributes to the prior art, or the part of the technical solution, can be embodied in the form of a software product. The computer software product is stored in a storage medium, including several instructions for a computer device (which can be a personal computer, server, or network device, etc.) to perform all or part of the steps of the methods of each embodiment of the present invention. 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, etc. Various media that can store program codes.

[0169] Those skilled in the art can understand that all or part of the steps of implementing the above-mentioned method embodiments can be completed by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When the program is executed, the steps of the above-mentioned method embodiments are executed; and the aforementioned storage medium includes: ROM, RAM, disk or optical disk and other media that can store program codes.

[0170] Finally, it should be noted that those skilled in the art will readily conceive of other embodiments of the present invention after considering the specification and practicing the invention disclosed herein. The present invention is intended to cover any variations, uses or adaptations of the present invention, which follow the general principles of the present invention and include common knowledge or customary technical means in the art not disclosed by the present invention, are not limited to the precise structure described above and shown in the drawings, and may be modified and changed in various ways without departing from the scope thereof. The scope of the present invention is limited only by the appended claims.

Claims

1. A transaction processing method based on multiple factors, characterized in that: include: In response to a transaction request, when it is determined that the transaction request needs to be subject to quota control, a number combination matching the transaction request and a quota type matching the transaction request are determined according to multiple transaction factors in the transaction request; wherein the transaction request includes multiple transaction factors; the number combination includes multiple quota type numbers, the quota type number in the number combination corresponds to at least one transaction factor, and the quota type number indicates a quota control method; Performing weighted processing on the transaction factors corresponding to the limit type numbers in the number combination to select the limit type number to be used from the number combination; According to the quota type, the transaction request and the quota type number to be used, quota processing is performed on the transaction indicated by the transaction request.

2. The method according to claim 1, characterized in that The transaction factors corresponding to the limit type numbers in the number combination are weighted to select the limit type number to be used from the number combination, including: Performing weighted processing on the transaction factors corresponding to the limit type numbers in the number combination to obtain the values ​​of the limit type numbers in the number combination; According to the values ​​of the limit type numbers in the number combination, the limit type numbers in the number combination are sorted; and the limit type number with the highest sorting is determined as the limit type number to be used.

3. The method according to claim 2, characterized in that The transaction factors corresponding to the limit type numbers in the number combination are weighted to obtain the values ​​of the limit type numbers in the number combination, including: According to the first weight value corresponding to each transaction factor, weighted processing is performed on the transaction factor corresponding to the limit type number in the number combination to obtain the value of the limit type number in the number combination; Alternatively, a second weight value corresponding to a factor combination formed by combining transaction factors corresponding to the limit type number is determined, and based on the second weight value corresponding to the factor combination, a weighted processing is performed on the transaction factors corresponding to the limit type number in the number combination to obtain a value of the limit type number in the number combination; Alternatively, determine a plurality of third weight values ​​corresponding to a factor combination formed by combining transaction factors corresponding to the limit type number, wherein the third weight value corresponds to at least one transaction factor in the factor combination; and perform weighted processing on the transaction factors corresponding to the limit type number in the number combination according to the plurality of third weight values ​​corresponding to the factor combination to obtain the value of the limit type number in the number combination.

4. The method according to claim 3, characterized in that Determine a factor combination formed by combining transaction factors corresponding to the limit type number, and a plurality of third weight values ​​corresponding thereto, including: Acquire initial data, wherein the initial data includes a factor combination and a third weight value; and train an initial model according to the initial data to obtain a prediction weight model; The transaction factors in the transaction request are input into the prediction weight model to obtain a plurality of third weight values ​​corresponding to the factor combination formed by combining the transaction factors corresponding to the limit type number.

5. The method according to any one of claims 1 to 4, characterized in that According to the limit type, the transaction request and the limit type number to be used, limit processing is performed on the transaction indicated by the transaction request, including: If the limit type is a single transaction limit type, determining whether the transaction amount in the transaction request is less than the single transaction upper limit value in the limit type number to be used; If the transaction amount is greater than the upper limit of a single transaction in the limit type number to be used, generating transaction failure information for the transaction indicated by the transaction request, so as to perform limit processing on the transaction indicated by the transaction request; If the transaction amount is less than or equal to the upper limit of a single transaction in the limit type number to be used, it is determined to perform transaction processing on the transaction indicated by the transaction request.

6. The method according to any one of claims 1 to 4, characterized in that According to the limit type, the transaction request and the limit type number to be used, limit processing is performed on the transaction indicated by the transaction request, including: If the limit type is a balance limit type, determining whether the transaction indicated by the transaction request complies with the sharing mechanism according to the transaction request; If the transaction indicated by the transaction request does not comply with the sharing mechanism, when the sum of the wallet balance and the transaction amount in the transaction request is greater than the upper limit of the balance in the limit type number to be used, a transaction failure message is generated for the transaction indicated by the transaction request, so as to perform limit processing on the transaction indicated by the transaction request; If the transaction indicated by the transaction request complies with the sharing mechanism, then when the sum of the parent wallet balance, the child wallet balance, and the transaction amount in the transaction request is greater than the upper limit value of the parent wallet balance in the limit type number to be used, a transaction failure message is generated for the transaction indicated by the transaction request to perform limit processing on the transaction indicated by the transaction request.

7. The method according to any one of claims 1 to 4, characterized in that According to the limit type, the transaction request and the limit type number to be used, limit processing is performed on the transaction indicated by the transaction request, including: If the limit type is a cumulative limit type, determining whether the transaction indicated by the transaction request complies with the sharing mechanism according to the transaction request; If the transaction indicated by the transaction request does not comply with the sharing mechanism, when the sum of the accumulated transaction amount and the transaction amount in the transaction request is greater than the accumulated transaction amount upper limit in the limit type number to be used, a transaction failure message is generated for the transaction indicated by the transaction request, so as to perform limit processing on the transaction indicated by the transaction request; If the transaction indicated by the transaction request complies with the sharing mechanism, then when the sum of all the accumulated total amounts in the sharing group in the transaction request and the transaction amount is greater than the upper limit value of the accumulated transaction amount in the limit type number to be used, a transaction failure message is generated for the transaction indicated by the transaction request to perform limit processing on the transaction indicated by the transaction request.

8. A transaction processing device based on multiple factors, characterized in that: include: a response module, configured to respond to a transaction request, and when determining that a limit control is required for the transaction request, determine a number combination matching the transaction request and a limit type matching the transaction request according to a plurality of transaction factors in the transaction request; wherein the transaction request includes a plurality of transaction factors; the number combination includes a plurality of limit type numbers, the limit type number in the number combination corresponds to at least one transaction factor, and the limit type number indicates a limit control method; A selection module, for performing weighted processing on the transaction factors corresponding to the limit type numbers in the number combination, so as to select the limit type number to be used from the number combination; A processing module is used to perform quota processing on the transaction indicated by the transaction request according to the quota type, the transaction request and the quota type number to be used.

9. An electronic device, characterized in that: include: Memory, processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory, so that the processor performs the method according to any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, which are used to implement the method according to any one of claims 1 to 7 when executed by a processor.

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