Processing method, device and equipment for quotas of staged products and storage medium
By obtaining and processing information on special scenario quotas and special installment quotas, the problem of insufficient flexibility of financial institutions in handling installment business is solved, and flexible management of quotas and meeting diversified consumption needs is achieved.
Patent Information
- Application Number
- CN202411708689.3
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-11-26
- Publication Date
- 2025-03-28
AI Technical Summary
When handling installment business, existing financial institutions find it difficult to meet customers' flexible consumption needs, and due to the limit of the amount of pre-borrowed cash, customers' consumption scenarios are restricted, and installment prices cannot be flexibly adjusted, which affects business development.
By receiving credit requests for credit, obtain the credit information of special scenario credit instances and special installment credit instances, determine the current remaining credit, and process the credit requests for credits based on this to improve the flexibility of installment product credit processing.
It realizes flexible management of installment product quotas, meets customers' diversified consumption needs, and improves the flexibility and efficiency of business development.
Smart Images
Figure CN119722283A_ABST
Abstract
Description
Technical Field
[0001] Embodiments of the present invention relate to the field of data processing technology, and in particular, to a method, device, equipment and storage medium for processing the amount of an installment product. Background Art
[0002] At present, when financial institutions handle installment business for customers, they should sign a separate agreement with customers for each installment business, and shall not confuse or bundle the agreement with other credit card business agreements. If the credit card installment funds need to be transferred to the customer's own account, they should be transferred to the customer's bank settlement account other than the credit card, and the amount and term management should be carried out in accordance with the cash advance business. At present, most banks lend special quotas to customers' debit cards through the cash advance model. The existence of ordinary overdraft consumption quotas and special installment consumption quotas in the customer's ordinary quota violates regulatory requirements. In addition, due to the control of the upper limit of the cash advance amount, certain consumption scenarios are also restricted for customers. There will also be many problems such as the inability to flexibly adjust the installment price and the fact that the marketing performance is concentrated on the billing date to be displayed, which cannot meet the needs of business development. Summary of the invention
[0003] The embodiments of the present invention provide a method, device, equipment and storage medium for processing the installment product quota, which can improve the flexibility of the installment product quota processing.
[0004] In a first aspect, an embodiment of the present invention provides a method for processing an installment product quota, including:
[0005] Receiving a credit line request; wherein the credit line request includes a current application credit line;
[0006] Acquire first credit limit information of a special scenario credit limit instance and second credit limit information of a special installment credit limit instance according to the credit limit use request; wherein the special scenario credit limit instance is associated with the special installment credit limit instance and is pre-created based on the installment business request;
[0007] Determine the current remaining credit limit according to the first credit limit information and the second credit limit information;
[0008] The credit request is processed based on the current remaining credit limit and the current applied credit limit.
[0009] In a second aspect, an embodiment of the present invention further provides a device for processing an installment product quota, including:
[0010] A credit limit request receiving module is used to receive a credit limit request; wherein the credit limit request includes the current application credit limit;
[0011] A credit limit information acquisition module, used to acquire first credit limit information of a special scenario credit limit instance and second credit limit information of a special installment credit limit instance according to the credit limit credit request; wherein the special scenario credit limit instance is associated with the special installment credit limit instance and is pre-created based on the installment business request;
[0012] A current remaining credit limit determining module, configured to determine a current remaining credit limit according to the first credit limit information and the second credit limit information;
[0013] A credit limit request processing module is used to process the credit limit request based on the current remaining credit limit and the current applied credit limit.
[0014] In a third aspect, an embodiment of the present invention further provides an electronic device, the electronic device comprising:
[0015] at least one processor; and
[0016] a memory communicatively connected to the at least one processor; wherein,
[0017] The memory stores a computer program that can be executed by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the method for processing the installment product amount described in the embodiment of the present invention.
[0018] In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement the method for processing the installment product amount described in the embodiment of the present invention when executed.
[0019] The embodiments of the present invention disclose a method, device, equipment and storage medium for processing the credit limit of an installment product. A credit limit request is received; wherein the credit limit request includes the current applied credit limit; according to the credit limit request, the first credit limit information of the special scenario credit limit instance and the second credit limit information of the special installment credit limit instance are obtained; wherein the special scenario credit limit instance is associated with the special installment credit limit instance and is pre-created based on the installment business request; the current remaining credit limit is determined according to the first credit limit information and the second credit limit information; the credit limit request is processed based on the current remaining credit limit and the current applied credit limit. The method for processing the credit limit of an installment product provided by the embodiments of the present invention determines the current remaining credit limit based on the first credit limit information of the special scenario credit limit instance and the second credit limit information of the special installment credit limit instance, so as to process the credit limit user request based on the current remaining credit limit and the current applied credit limit in the credit limit request, which can improve the flexibility of the installment product credit limit processing. BRIEF DESCRIPTION OF THE DRAWINGS
[0020] Figure 1This is a flow chart of a method for processing an installment product quota in the first embodiment of the present invention;
[0021] Figure 2 It is a schematic diagram of the structure of a quota instance network in the first embodiment of the present invention;
[0022] Figure 3 It is a structural schematic diagram of a device for processing the installment product quota in the second embodiment of the present invention;
[0023] Figure 4 It is a structural schematic diagram of an electronic device in Embodiment 3 of the present invention. DETAILED DESCRIPTION
[0024] The present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It is to be understood that the specific embodiments described herein are only used to explain the present invention, rather than to limit the present invention. It should also be noted that, for ease of description, only parts related to the present invention, rather than all structures, are shown in the accompanying drawings.
[0025] The following is an explanation of some terms that may be involved in this embodiment: 1. Credit: Funds provided by banks and other financial institutions to customers based on their credit qualifications, which can be used for consumption, cash withdrawal and other needs. 2. Credit: The process of using the credit limit within the validity period of the credit limit after the customer completes the credit approval at the financial institution, for example: the customer uses a credit card to pay for consumption on an e-commerce platform. 3. Credit limit type: Different types of credit limits are abstracted into types, and the characteristics of the credit limit are defined as attributes; for example, credit card credit limit types can be divided into ordinary credit limits, special credit limits, etc., and each credit limit type defines the credit limit type number, credit limit status, permanent credit limit, temporary credit limit, temporary credit limit validity period, used credit limit and other attributes. 4. Credit limit instance: The concrete implementation of the credit limit type, in which the credit limit instance assigns specific field values to the attributes of the credit limit type. 5. Ordinary credit limit: A credit limit type used for expenditure purposes such as consumption and cash withdrawal. 6. Special credit limit: A credit limit type used for specific types of consumption or investment activities; for example, a special credit limit for home improvement installments. Compared with ordinary quotas, special quotas have higher quota limits and more flexible usage.
[0026] Embodiment 1
[0027] Figure 1 This is a flow chart of a method for processing the amount of an installment product provided in the first embodiment of the present invention. This embodiment is applicable to the case of processing the amount of an installment product. The method can be executed by a processing device for the amount of an installment product. The device can be implemented in the form of software and / or hardware. Optionally, it can be implemented by an electronic device, which can be a mobile terminal, a PC or a server. Specifically, it includes the following steps:
[0028] S110, receiving a credit limit request.
[0029] The credit limit request includes the current applied credit limit. The credit limit request can be understood as a request initiated by a user when using a credit card for consumption, and the current applied credit limit is the amount to be used for the current consumption.
[0030] In this embodiment, before receiving a credit request initiated by a user, it is necessary to establish a credit limit and grant credit limit.
[0031] Optionally, before receiving a credit request for a target scenario, the following steps are also included: receiving an installment business request, and creating an account-level special scenario credit instance and a special installment credit instance based on the installment business request; associating the special scenario credit instance with the special installment credit instance; granting credit to the special scenario credit instance and the special installment credit instance, and obtaining a first credit limit of the special scenario credit instance and a second credit limit of the special installment credit instance.
[0032] The installment service request may be a request initiated by a user when he needs to apply for an installment service, for example, when a user needs to make a large purchase (such as buying a car or a house), he initiates an installment service request to a financial institution. The installment service request may be initiated by applying for a new credit card or by signing an agreement in the original credit card.
[0033] Among them, the special scenario credit limit instance belongs to the general credit limit, and the special installment credit limit instance belongs to the installment credit limit. In this embodiment, after receiving the installment business request, it is necessary to establish a general revolving credit limit instance, a general credit withdrawal credit limit instance, an overpayment credit limit instance and a special scenario credit limit instance under the general credit limit, and it is necessary to establish a special installment credit limit instance and a special installment credit limit instance (such as home improvement installment, car installment, etc.) under the installment credit limit. Finally, a credit limit instance network is constructed based on the established credit limit instances. For example, Figure 2 is a schematic diagram of a structure of a quota instance network in an embodiment of the present invention, such as Figure 2 As shown, A represents a common installment instance, C represents a common revolving credit limit instance, F represents a common cash withdrawal credit limit instance, D represents an overpayment credit limit instance, and G represents a special scenario credit limit instance; B represents an installment credit limit instance, H represents a special installment credit limit instance, and E represents a special installment credit limit instance.
[0034] In this embodiment, the way to associate the special scenario credit instance with the special installment credit instance can be: add remark information to the special scenario credit instance, and the remark information includes the identifier (for example, number) of the special installment credit instance associated with the special scenario credit instance. It should be noted that the above credit instances are all account-level credit instances. In order to control the user's consumption, a customer-level credit instance can also be established. The customer-level credit instance is not within the scope of protection of this embodiment and will not be introduced in detail here.
[0035] In this embodiment, after the credit limit instance is established, credit limit authorization is performed for each credit limit instance.
[0036] Optionally, the process of granting credit to a special scenario credit limit instance and a special installment credit limit instance to obtain a first credit limit for the special scenario credit limit instance and a second credit limit for the special installment credit limit instance may be: obtaining the user's credit limit assessment information; based on the credit limit assessment information, determining a first set value as the first credit limit for the special scenario credit limit instance, and determining an upper limit value as the second credit limit for the special installment credit limit instance.
[0037] Among them, the credit assessment information includes the credit limit value. The credit assessment information can be the assessment information obtained by the financial institution based on the user's historical credit and qualifications, and the credit limit value can be understood as the maximum amount that the user can overdraw. The first setting value is 0. That is, in this embodiment, the credit limit of the special scenario credit limit instance is 0, and the credit limit of the special installment credit limit instance is the user's credit limit value. In addition to crediting the special scenario credit limit instance and the special installment credit limit instance, it is also necessary to credit the ordinary credit revolving credit limit instance, the ordinary credit withdrawal credit limit instance, the overpaid credit limit instance and the special installment credit limit instance. In this embodiment, the credit limits of the ordinary credit revolving credit limit instance, the ordinary credit withdrawal credit limit instance, the overpaid credit limit instance and the special installment credit limit instance are all 0. Exemplarily, assuming that the user's credit limit value is 200,000, the credit limit of the special installment credit limit instance is 200,000, and the credit limits of other credit limit instances are all 0.
[0038] S120, obtaining first credit limit information of a special scenario credit limit instance and second credit limit information of a special installment credit limit instance according to the credit limit utilization request.
[0039] Among them, the special scenario credit limit instance is associated with the special installment credit limit instance and is pre-created based on the installment business request. The creation process of the special scenario credit limit instance and the special installment credit limit instance is referred to the above embodiment and will not be repeated here. The first credit limit information of the special scenario credit limit instance includes the first used credit limit; the second credit limit information of the special installment credit limit instance includes the second credit limit and the second used credit limit.
[0040] In this embodiment, after receiving a credit request, it is necessary to obtain the credit information of the credit instance with the highest priority in the ordinary credit instance and the credit information of the installment credit instance associated with it. Under the ordinary credit instance, among the ordinary credit revolving credit instance, ordinary credit withdrawal credit instance, overpaid credit instance and special scenario credit instance, the special scenario credit instance has the highest priority and is associated with the special installment credit instance under the installment credit instance, so it is necessary to obtain the first credit information of the special scenario credit instance and the second credit information of the special installment credit instance.
[0041] S130: Determine the current remaining credit limit according to the first credit limit information and the second credit limit information.
[0042] In this embodiment, the special scenario quota instance is associated with the special installment quota instance, so it is necessary to determine the current remaining quota based on the first quota information of the special scenario quota instance and the second quota information of the special installment quota instance.
[0043] Specifically, the current remaining credit limit can be determined based on the first credit limit information and the second credit limit information by: adding the first used credit limit and the second used credit limit to obtain the total used credit limit; and subtracting the total used credit limit from the second credit limit to obtain the current remaining credit limit.
[0044] In this embodiment, assuming that the first used credit limit is represented by m, the second used credit limit is represented by n, and the second credit limit is represented by t, the calculation formula of the current remaining credit limit can be expressed as: t-(m+n). For example, the first used credit limit is 10,000, the second credit limit is 200,000, and the second used credit limit is 50,000, then the current remaining credit limit is 202,000-(10,000+50,000)=140,000.
[0045] S140: Processing the credit request based on the current remaining credit limit and the current applied credit limit.
[0046] Specifically, the method for processing the credit request based on the current remaining credit limit and the current applied credit limit can be: if the current remaining credit limit is less than the current applied credit limit, the credit request is rejected; if the current remaining credit limit is greater than or equal to the current applied credit limit, the credit request is agreed to be processed, and the first used credit limit is updated based on the current applied credit limit.
[0047] If the current remaining credit limit is less than the current application credit limit, it means that the current remaining credit limit is not enough for consumption, and the credit request is rejected; if the current remaining credit limit is greater than or equal to the current application credit limit, it means that the current remaining credit limit is enough for consumption, and the credit request is approved. The method of updating the first used credit limit based on the current application credit limit can be: the original first used credit limit is accumulated with the current application credit limit to obtain the first used credit limit.
[0048] Optionally, after processing the credit request based on the current remaining credit limit and the current applied credit limit, the following steps are also included: when the time reaches the set time, the first used credit limit and the second used credit limit are accumulated to obtain a new second used credit limit of the second credit limit information; and the first used credit limit is cleared.
[0049] The set time may be a pre-set time point, such as midnight every day. Specifically, when the time reaches the set time, the used amount of the special scenario quota instance is transferred to the used amount of the special installment quota instance, that is, the first used amount is added to the second used amount to obtain the second amount information and a new second used amount; the first used amount is cleared.
[0050] In this embodiment, by establishing special scenario quota instances and special installment quota instances, the regulatory requirement of independently managing ordinary quotas and installment quotas is implemented. Through special scenario quota instances, the installment quota can be applied to ordinary consumption, which improves the flexibility of quota use and facilitates the development of installment business. When the time reaches the set moment, the used quota of the special scenario quota instance is transferred to the used quota of the special installment quota instance, so that the marketer can flexibly adjust the installment price according to different transfer installment cycles to obtain more preferential strength for customers; originally, the marketer's performance could only be displayed on the billing date, and the marketer could not see the results of his efforts. Now, the marketer's performance can be summarized according to different transfer installment cycles for display to stimulate the marketer's potential.
[0051] The technical solution of this embodiment is to receive a credit request; wherein the credit request includes the current applied credit limit; obtain the first credit limit information of the special scenario credit limit instance and the second credit limit information of the special installment credit limit instance according to the credit request; wherein the special scenario credit limit instance is associated with the special installment credit limit instance and is pre-created based on the installment business request; determine the current remaining credit limit according to the first credit limit information and the second credit limit information; and process the credit request based on the current remaining credit limit and the current applied credit limit. The method for processing the credit limit of an installment product provided in an embodiment of the present invention determines the current remaining credit limit based on the first credit limit information of the special scenario credit limit instance and the second credit limit information of the special installment credit limit instance, so as to process the credit limit user request based on the current remaining credit limit and the current applied credit limit in the credit request, which can improve the flexibility of the processing of the installment product credit limit.
[0052] Embodiment 2
[0053] Figure 3 is a structural diagram of a device for processing installment product quotas provided in Embodiment 2 of the present invention, such as Figure 3 As shown, the device comprises:
[0054] The credit limit request receiving module 310 is used to receive a credit limit request; wherein the credit limit request includes the current applied credit limit;
[0055] The credit information acquisition module 320 is used to acquire the first credit information of the special scenario credit instance and the second credit information of the special installment credit instance according to the credit request; wherein the special scenario credit instance is associated with the special installment credit instance and is pre-created based on the installment business request;
[0056] A current remaining credit limit determining module 330, configured to determine the current remaining credit limit according to the first credit limit information and the second credit limit information;
[0057] The credit limit request processing module 340 is used to process the credit limit request based on the current remaining credit limit and the current applied credit limit.
[0058] Optionally, the first credit limit information includes a first used credit limit; and the second credit limit information includes a second credit limit and a second used credit limit.
[0059] Optionally, the current remaining amount determination module 330 is further configured to:
[0060] The first used amount and the second used amount are accumulated to obtain a total used amount;
[0061] Subtract the total used credit limit from the second credit limit to obtain the current remaining credit limit.
[0062] Optionally, the credit credit request processing module 340 is further used to:
[0063] If the current remaining credit limit is less than the current applied credit limit, the credit limit request will be rejected;
[0064] If the current remaining credit limit is greater than or equal to the current applied credit limit, the credit limit request will be approved and the first used credit limit will be updated based on the current applied credit limit.
[0065] Optionally, it also includes: a quota instance creation module, which is used to:
[0066] Receive installment business requests, and create account-level special scenario quota instances and special installment quota instances based on the installment business requests;
[0067] Associate the special scenario quota instance with the special installment quota instance;
[0068] The special scenario credit limit instance and the special installment credit limit instance are granted credit limits to obtain the first credit limit of the special scenario credit limit instance and the second credit limit of the special installment credit limit instance.
[0069] Optionally, the quota instance creation module is also used to:
[0070] Obtain the user's credit limit assessment information; wherein the credit limit assessment information includes the credit limit upper limit value;
[0071] Based on the credit limit assessment information, the first set value is determined as the first credit limit of the special scenario credit limit instance, and the credit limit upper limit value is determined as the second credit limit of the special installment credit limit instance.
[0072] Optionally, it also includes: a used quota processing module, which is used to:
[0073] When the time reaches the set time, the first used amount and the second used amount are accumulated to obtain the second amount information and a new second used amount;
[0074] Clear the first used quota to zero.
[0075] The above device can execute the methods provided by all the above embodiments of the present invention, and has the corresponding functional modules and beneficial effects of executing the above methods. For technical details not described in detail in this embodiment, please refer to the methods provided by all the above embodiments of the present invention.
[0076] Embodiment 3
[0077] Figure 4A schematic diagram of an electronic device 10 that can be used to implement an embodiment of the present invention is shown. The electronic device is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device can also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices (such as helmets, glasses, watches, etc.) and other similar computing devices. The components shown herein, the connections and relationships between the components, and their functions are merely examples and are not intended to limit the implementation of the present invention described and / or required herein.
[0078] like Figure 4 As shown, the electronic device 10 includes at least one processor 11, and a memory connected to the at least one processor 11, such as a read-only memory (ROM) 12, a random access memory (RAM) 13, etc., wherein the memory stores a computer program that can be executed by at least one processor, and the processor 11 can perform various appropriate actions and processes according to the computer program stored in the read-only memory (ROM) 12 or the computer program loaded from the storage unit 18 to the random access memory (RAM) 13. In the RAM 13, various programs and data required for the operation of the electronic device 10 can also be stored. The processor 11, the ROM 12, and the RAM 13 are connected to each other through a bus 14. An input / output (I / O) interface 15 is also connected to the bus 14.
[0079] A number of components in the electronic device 10 are connected to the I / O interface 15, including: an input unit 16, such as a keyboard, a mouse, etc.; an output unit 17, such as various types of displays, speakers, etc.; a storage unit 18, such as a disk, an optical disk, etc.; and a communication unit 19, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 19 allows the electronic device 10 to exchange information / data with other devices through a computer network such as the Internet and / or various telecommunication networks.
[0080] The processor 11 may be a variety of general and / or special processing components with processing and computing capabilities. Some examples of the processor 11 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various special artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, a digital signal processor (DSP), and any appropriate processor, controller, microcontroller, etc. The processor 11 executes the various methods and processes described above, such as the processing method of the installment product amount.
[0081] In some embodiments, the method for processing the installment product amount can be implemented as a computer program, which is tangibly contained in a computer-readable storage medium, such as a storage unit 18. In some embodiments, part or all of the computer program can be loaded and / or installed on the electronic device 10 via the ROM 12 and / or the communication unit 19. When the computer program is loaded into the RAM 13 and executed by the processor 11, one or more steps of the method for processing the installment product amount described above can be performed. Alternatively, in other embodiments, the processor 11 can be configured to execute the method for processing the installment product amount by any other appropriate means (for example, by means of firmware).
[0082] Various implementations of the systems and techniques described above herein can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on chips (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various implementations can include: being implemented in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.
[0083] Computer programs for implementing the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, so that when the computer program is executed by the processor, the functions / operations specified in the flow chart and / or block diagram are implemented. The computer program may be executed entirely on the machine, partially on the machine, partially on the machine and partially on a remote machine as a stand-alone software package, or entirely on a remote machine or server.
[0084] In the context of the present invention, a computer-readable storage medium may be a tangible medium that may contain or store a computer program for use by or in combination with an instruction execution system, device or equipment. A computer-readable storage medium may include, but is not limited to, electronic, magnetic, optical, electromagnetic, infrared, or semiconductor systems, devices or equipment, or any suitable combination of the foregoing. Alternatively, a computer-readable storage medium may be a machine-readable signal medium. A more specific example of a machine-readable storage medium may include an electrical connection based on one or more lines, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
[0085] To provide interaction with a user, the systems and techniques described herein may be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and a pointing device (e.g., a mouse or trackball) through which the user can provide input to the electronic device. Other types of devices may also be used to provide interaction with the user; for example, the feedback provided to the user may be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form (including acoustic input, voice input, or tactile input).
[0086] The systems and techniques described herein may be implemented in a computing system that includes backend components (e.g., as a data server), or a computing system that includes middleware components (e.g., an application server), or a computing system that includes frontend components (e.g., a user computer with a graphical user interface or a web browser through which a user can interact with implementations of the systems and techniques described herein), or a computing system that includes any combination of such backend components, middleware components, or frontend components. The components of the system may be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: a local area network (LAN), a wide area network (WAN), a blockchain network, and the Internet.
[0087] A computing system may include a client and a server. The client and the server are generally remote from each other and usually interact through a communication network. The client and server relationship is generated by computer programs running on the corresponding computers and having a client-server relationship with each other. The server may be a cloud server, also known as a cloud computing server or cloud host, which is a host product in the cloud computing service system to solve the defects of difficult management and weak business scalability in traditional physical hosts and VPS services.
[0088] It should be understood that the various forms of processes shown above can be used to reorder, add or delete steps. For example, the steps described in the present invention can be executed in parallel, sequentially or in different orders, as long as the desired results of the technical solution of the present invention can be achieved, and this document does not limit this.
[0089] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions can be made according to design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims
1. A method for processing the installment product quota, characterized in that: include: Receiving a credit line request; wherein the credit line request includes a current application credit line; Acquire first credit limit information of a special scenario credit limit instance and second credit limit information of a special installment credit limit instance according to the credit limit use request; wherein the special scenario credit limit instance is associated with the special installment credit limit instance and is pre-created based on the installment business request; Determine the current remaining credit limit according to the first credit limit information and the second credit limit information; The credit request is processed based on the current remaining credit limit and the current applied credit limit.
2. The method according to claim 1, characterized in that The first credit limit information includes a first used credit limit; the second credit limit information includes a second credit limit and a second used credit limit.
3. The method according to claim 2, characterized in that Determining a current remaining amount according to the first amount information and the second amount information includes: The first used credit limit and the second used credit limit are accumulated to obtain a total used credit limit; The total used credit limit is subtracted from the second credit limit to obtain the current remaining credit limit.
4. The method according to claim 3, characterized in that Processing the credit request based on the current remaining credit limit and the current applied credit limit includes: If the current remaining credit limit is less than the current applied credit limit, the credit limit request is rejected; If the current remaining credit limit is greater than or equal to the current applied credit limit, the credit limit request is approved and the first used credit limit is updated based on the current applied credit limit.
5. The method according to claim 1, characterized in that Before receiving a credit request for a target scenario, it also includes: Receive an installment business request, and create an account-level special scenario quota instance and a special installment quota instance based on the installment business request; Associating the special scenario quota instance with the special installment quota instance; Credit is granted for the special scenario credit limit instance and the special installment credit limit instance to obtain a first credit limit for the special scenario credit limit instance and a second credit limit for the special installment credit limit instance.
6. The method according to claim 5, characterized in that The special scenario credit limit instance and the special installment credit limit instance are granted credit limits to obtain a first credit limit of the special scenario credit limit instance and a second credit limit of the special installment credit limit instance, including: Obtaining the user's credit limit assessment information; wherein the credit limit assessment information includes the credit limit upper limit value; Based on the credit limit assessment information, the first set value is determined as the first credit limit of the special scenario credit limit instance, and the credit limit upper limit value is determined as the second credit limit of the special installment credit limit instance.
7. The method according to claim 2, characterized in that After processing the credit request based on the current remaining credit limit and the current applied credit limit, the method further includes: When the time reaches the set time, the first used credit limit and the second used credit limit are accumulated to obtain a new second used credit limit of the second credit limit information; The first used credit limit is cleared.
8. A device for processing the installment product quota, characterized in that: include: A credit limit request receiving module is used to receive a credit limit request; wherein the credit limit request includes the current application credit limit; A credit limit information acquisition module, used to acquire first credit limit information of a special scenario credit limit instance and second credit limit information of a special installment credit limit instance according to the credit limit credit request; wherein the special scenario credit limit instance is associated with the special installment credit limit instance and is pre-created based on the installment business request; A current remaining credit limit determining module, configured to determine a current remaining credit limit according to the first credit limit information and the second credit limit information; A credit limit request processing module is used to process the credit limit request based on the current remaining credit limit and the current applied credit limit.
9. An electronic device, characterized in that: The electronic device comprises: at least one processor; and a memory communicatively connected to the at least one processor; wherein, The memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the method for processing the installment product amount as described in any one of claims 1-7.
10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement the method for processing the installment product amount according to any one of claims 1 to 7 when executed.