Quota verification method, device, equipment and medium

Abstract

The present application discloses a limit verification method, device, equipment and medium, which relates to the field of risk management technology, including: determining a limit element based on a limit transaction request, and generating a corresponding limit object according to the limit element; determining the current target limit scheme to be matched according to the priority of several preset custom limit schemes, and matching the target limit scheme with the limit element; if the matching result representation successfully matches the target limit scheme, then determining the corresponding target calculation method from several preset calculation methods based on the target limit scheme, so as to verify the limit object using the target calculation method and the target limit scheme; if the matching result representation fails to match the target limit scheme, then jumping to the step of determining the current target limit scheme to be matched, until several custom limit schemes are matched. Thus, a unified limit service verification mechanism can be implemented to dynamically adapt to different limit schemes and improve system flexibility and efficiency.

Description

Technical Field

[0001] The present invention relates to the field of risk management technology, and in particular to a limit verification method, device, equipment and medium. Background Art

[0002] In modern financial business scenarios, credit limit management has high requirements for real-time and accuracy. However, the credit limit verification process in the existing credit limit management system is complex and has high maintenance costs. The verification logic is usually hard-coded in different modules, which cannot guarantee the consistency and accuracy of the rules, resulting in low transaction processing efficiency. At the same time, when multiple business scenarios coexist, the duplication and redundant processing of the logic of each module leads to serious waste of system resources.

[0003] In summary, how to implement a unified quota service verification mechanism to dynamically adapt to different quota schemes and improve system flexibility and efficiency is an urgent problem to be solved. Summary of the invention

[0004] In view of this, the purpose of the present invention is to provide a quota verification method, device, equipment and medium, which can realize a unified quota service verification mechanism to dynamically adapt to different quota schemes and improve system flexibility and efficiency. The specific scheme is as follows:

[0005] In a first aspect, the present application provides a limit verification method, which is applied to a limit management system, including:

[0006] Determine a limit element based on the received limit transaction request, and generate a corresponding limit object according to the limit element;

[0007] Determine the target quota scheme to be matched according to the priorities of the preset multiple custom quota schemes, and use the quota element to match the target quota scheme to obtain a corresponding matching result; the target quota scheme is the highest priority scheme among the multiple custom quota schemes that are not matched;

[0008] If the matching result indicates a successful match with the target quota scheme, a corresponding target calculation method is determined from a plurality of preset calculation methods based on the target quota scheme, so as to verify the quota object using the target calculation method and the target quota scheme;

[0009] If the matching result indicates that the match with the target quota scheme fails, the process jumps to the step of determining the current target quota scheme to be matched according to the priorities of the preset multiple custom quota schemes until all the multiple custom quota schemes are matched.

[0010] Optionally, determining a limit element based on the received quota transaction request includes:

[0011] A transaction object is determined based on the received quota transaction request, and the transaction object is parsed by a preset quota element parser to obtain a quota element in the transaction object.

[0012] Optionally, the using the quota element to match the target quota scheme to obtain a corresponding matching result includes:

[0013] Determining the quota element rule configured in the target quota scheme, and comparing the quota element with the quota element rule to obtain a corresponding comparison result;

[0014] If the comparison result indicates that the quota element is inconsistent with the quota element rule, a matching result indicating a failure to match the target quota scheme is obtained;

[0015] If the comparison result indicates that the quota element is consistent with the quota element rule, a matching result successfully matching the target quota scheme is obtained.

[0016] Optionally, the determining a corresponding target calculation method from a plurality of preset calculation methods based on the target limit scheme, so as to verify the quota object by using the target calculation method and the target limit scheme, includes:

[0017] Determine the restriction scope and limit index in the target limit scheme, and determine the corresponding target calculation method from a number of preset calculation methods according to the restriction scope; wherein the restriction scope includes any one or more of the loan balance, exposure balance, credit amount, concentration and non-performing rate;

[0018] Verifying the limit indicator by using the target calculation method to determine whether the limit indicator is met;

[0019] If the limit indicators are met, the corresponding control method in the target limit plan is triggered;

[0020] If the limit indicator is not met, the occupation relationship between the quota object and the limit indicator is generated, and a successful transaction result is returned.

[0021] Optionally, the verifying the limit indicator by using the target calculation method to determine whether the limit indicator is met includes:

[0022] Calculate the limit scope of the quota object by using the target calculation method and the current value recorded in the target limit plan, and compare the value of the limit scope with the target value in the limit indicator;

[0023] If the comparison relationship between the value of the restriction caliber and the target value is consistent with the comparison operator in the limit index, it is determined that the limit index is met;

[0024] If the comparison relationship between the value of the restriction caliber and the target value is inconsistent with the comparison operator in the limit indicator, it is determined that the limit indicator is not met.

[0025] Optionally, the triggering of the corresponding control method in the target limit scheme includes:

[0026] Intercepting the transaction corresponding to the quota transaction request;

[0027] Or, determine the notification method and notification object in the limit indicator, and return a notification of transaction failure to the notification object through the notification method.

[0028] Optionally, the limit verification method further includes:

[0029] A customized new limit scheme is created based on the received scheme configuration instruction, and the limit indicator, the limit element, the restriction scope and the priority in the new limit scheme are configured to add the configured new limit scheme to the several customized limit schemes.

[0030] In a second aspect, the present application provides a limit verification device, which is applied to a limit management system, including:

[0031] An object generation module, used to determine a limit element based on the received limit transaction request, and generate a corresponding limit object based on the limit element;

[0032] A scheme matching module, used to determine the target quota scheme to be matched according to the priorities of the preset several custom quota schemes, and use the quota element to match the target quota scheme to obtain a corresponding matching result; the target quota scheme is the highest priority scheme among the several custom quota schemes that are not matched at present;

[0033] a method determination module, configured to determine a corresponding target calculation method from a plurality of preset calculation methods based on the target limit scheme if the matching result representation successfully matches the target limit scheme, so as to verify the quota object using the target calculation method and the target limit scheme;

[0034] The step jump module is used to jump to the step of determining the current target quota scheme to be matched according to the priority of several preset custom quota schemes if the matching result representation fails to match the target quota scheme, until all the several custom quota schemes are matched.

[0035] In a third aspect, the present application provides an electronic device, including:

[0036] Memory, used to store computer programs;

[0037] A processor is used to execute the computer program to implement the aforementioned limit verification method.

[0038] In a fourth aspect, the present application provides a computer-readable storage medium for storing a computer program; wherein, when the computer program is executed by a processor, the aforementioned quota verification method is implemented.

[0039] In this embodiment, a limit element is determined based on the received limit transaction request, and a corresponding limit object is generated based on the limit element; the current target limit scheme to be matched is determined according to the priority of several preset custom limit schemes, and the limit element is used to match the target limit scheme to obtain a corresponding matching result; the target limit scheme is the scheme with the highest priority that has not been matched among the several currently described custom limit schemes; if the matching result representation is successfully matched with the target limit scheme, then based on the target limit scheme, a corresponding target calculation method is determined from several preset calculation methods, so as to verify the credit object using the target calculation method and the target limit scheme; if the matching result representation fails to match with the target limit scheme, then jump to the step of determining the current target limit scheme to be matched according to the priority of several preset custom limit schemes, until all of the several custom limit schemes are matched. As can be seen from the above, the present application first determines the limit element based on the received quota transaction request, and generates the corresponding quota object, then determines the current target limit scheme to be matched according to the priority, and uses the limit element to match the target limit scheme. If the matching result indicates a successful match, the corresponding target calculation method is determined from several preset calculation methods based on the target limit scheme, and the target calculation method and the target limit scheme are used to verify the quota object. If the matching fails, jump to the step of determining the current target limit scheme to be matched according to the priority of several preset custom limit schemes until all of the custom limit schemes are matched. In this way, through the above process of the present application, the target limit scheme is determined according to the limit element, and the transaction corresponding to the quota transaction request is verified using the target limit scheme, and the overall verification logic is unified in one module, solving the problem of repeated and redundant processing of the logic of each module, and then realizing a unified limit service verification mechanism to dynamically adapt to different limit schemes and improve system flexibility and efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0040] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on the provided drawings without paying creative work.

[0041] Figure 1 A flow chart of a quota verification method disclosed in this application;

[0042] Figure 2 A schematic diagram of the process sequence of a quota verification method disclosed in this application;

[0043] Figure 3 A flow chart of a quota verification method disclosed in this application;

[0044] Figure 4 A schematic diagram of a quota limit scheme configuration disclosed in this application;

[0045] Figure 5 This is a schematic diagram of the structure of a quota verification device disclosed in this application;

[0046] Figure 6 This is a structural diagram of an electronic device disclosed in this application. DETAILED DESCRIPTION

[0047] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0048] The existing credit limit management system has a complex credit limit verification process and high maintenance costs. The verification logic is usually hard-coded in different modules, which cannot guarantee the consistency and accuracy of the rules, resulting in low transaction processing efficiency. At the same time, when multiple business scenarios coexist, the duplication and redundant processing of the logic of each module leads to serious waste of system resources.

[0049] In order to overcome the above technical problems, the present application provides a quota verification method to implement a unified quota service verification mechanism to dynamically adapt to different quota schemes and improve system flexibility and efficiency.

[0050] See also Figure 1 As shown, an embodiment of the present invention discloses a limit verification method, which is applied to a limit management system, including:

[0051] Step S11: determine a limit element based on the received limit transaction request, and generate a corresponding limit object according to the limit element.

[0052] In this embodiment, the credit management system receives a credit transaction request, and determines a limit element according to the credit transaction request, so as to generate a corresponding limit object according to the limit element. The credit transaction request is a request for limit verification initiated by an external system to the credit management system when a customer needs to use a credit limit; the limit element is a basic data unit or attribute used to describe and constrain specific credit rules in a transaction or operation, including but not limited to products, institutions, industries, currencies, etc.; the credit object is used to verify and generate corresponding occupancy relationships.

[0053] It is understandable that in bank credit business, banks need to limit each loan for risk control or fund allocation considerations. Among them, this limitation is specifically based on business rules. In order to prevent the loan amount from exceeding the limit, before the loan is made, it is necessary to first perform a limit check on the current credit business based on the business rules. The limit check method provided in this application can ensure that transactions or operations comply with the preset limit rules and restrictions, thereby ensuring the risk controllability of the system. Figure 2 FIG. 1 is a flow chart of a quota verification method provided by the present application. Figure 3 The figure shows a flow chart of a limit verification method provided by the present application. The limit system is the limit management system; the limit transaction object is the transaction object; the limit service is located in the core service module of the limit management system, which is responsible for matching the limit scheme, calling the limit calculator for verification, and generating the occupation relationship between the limit and the limit indicator.

[0054] It should be pointed out that the processing flow of determining the limit element based on the received quota transaction request is as follows: determining the transaction object based on the received quota transaction request, and parsing the transaction object through a preset limit element parser to obtain the limit element in the transaction object. Among them, the transaction object is used to represent the business information object transmitted when the external system interacts with the quota management system, and contains the limit element related to the transaction; the limit element parser is a component used to parse the limit element in the transaction object, and is subsequently used to match the limit scheme rules. That is, since the limit element is a key component of defining the limit scheme, the corresponding limit scheme is different with the difference of the limit element, and it is usually extracted from the quota transaction request. Therefore, in order to determine the limit element, this embodiment needs to first determine the transaction object contained in the received quota transaction request, and dynamically parse the transaction object through a preset limit element parser to obtain the limit element in the transaction object. In this way, after receiving a credit limit transaction request, this embodiment first determines the limit element based on the credit limit transaction request and generates a corresponding credit limit object, so that the limit element can be used to match the appropriate limit plan later, and the credit limit object can be verified and the corresponding occupancy relationship can be generated; the transaction object is dynamically parsed through the limit element parser to support limit rule matching in complex scenarios.

[0055] Step S12: determine the target quota scheme to be matched according to the priorities of several preset custom quota schemes, and use the quota element to match the target quota scheme to obtain a corresponding matching result; the target quota scheme is the highest priority scheme among the several custom quota schemes that are not matched.

[0056] In this embodiment, the quota management system first determines the priority of several preset custom quota schemes, and determines the current target quota scheme to be matched according to the priority, so as to match the quota element with the target quota scheme to obtain a corresponding matching result. Among them, the target quota scheme is the highest priority scheme among the several custom quota schemes that are not matched.

[0057] Specifically, this embodiment first determines several unmatched schemes from several preset custom quota schemes, and determines the scheme with the highest priority from the several unmatched schemes as the current target quota scheme to be matched, so as to use the quota element to match the target quota scheme to obtain a corresponding matching result. It should be pointed out that there are different quota schemes corresponding to different fields, industries, institutions, etc., so it is necessary to configure corresponding quota elements in the quota scheme in order to match the quota scheme that meets the current quota object. The processing flow of matching the target quota scheme with the quota element is as follows: determine the quota element rules configured in the target quota scheme, and compare the quota element with the quota element rules to obtain a corresponding comparison result; if the comparison result indicates that the quota element is inconsistent with the quota element rule, then a matching result of failure to match the target quota scheme is obtained; if the comparison result indicates that the quota element is consistent with the quota element rule, then a matching result of successful matching with the target quota scheme is obtained. Among them, the limit element rule refers to the relevant information of each limit element configured in the target limit scheme. That is, first determine the relevant information of each limit element configured in the target limit scheme, and compare the value of the limit element with the corresponding relevant information. If the comparison result obtained indicates that any one of the values ​​of the limit element is inconsistent with the relevant information, it means that the current target limit scheme is not suitable for verifying the quota object, and a matching result that fails to match the target limit scheme is obtained. If the comparison result indicates that any one of the values ​​of the limit element is consistent with the relevant information, it means that the current target limit scheme is applicable to the quota object, and a matching result that successfully matches the target limit scheme is obtained.

[0058] It should be noted that the custom quota limit scheme is a quota limit scheme that integrates the limit scope, quota elements and control methods according to the quota requirements. Figure 4 The figure shows a schematic diagram of a quota scheme configuration provided by the present application. The quota scheme includes three parts: basic information, quota rules and quota indicators. The basic information includes the quota scheme number, scheme name, priority and whether it is effective; the quota rules include the current value of the restriction caliber, quota element and the restriction caliber corresponding to the quota scheme, so as to perform subsequent verification based on the current value; the quota indicators include the target value, control method, notification method, notification object, etc. It should be noted that, Figure 4As shown, in addition to products, institutions, industries, and currencies, the limit elements can also be customer types and fund usage locations, so as to more accurately locate the transaction objects. It is understandable that this embodiment can dynamically modify the set custom limit scheme according to the limit requirements to significantly shorten the online cycle. In this way, this embodiment determines a matching limit scheme based on the limit elements, and can dynamically modify the custom limit scheme according to the requirements, providing an efficient and flexible solution for limit verification, and improving the scalability and verification efficiency of the system.

[0059] Step S13: If the matching result indicates a successful match with the target quota scheme, a corresponding target calculation method is determined from several preset calculation methods based on the target quota scheme, so as to verify the quota object using the target calculation method and the target quota scheme.

[0060] In this embodiment, when the matching result characterizes a successful match with the target quota scheme, the quota management system determines a corresponding target calculation method from a plurality of preset calculation methods based on the target quota scheme, so as to verify the quota object using the target calculation method and the target quota scheme. The plurality of calculation methods may be located in a quota calculator factory; the calculation method may be a quota calculator in the quota calculator factory, which is a component of the logic implementation for calculation and verification according to the restriction scope of the quota scheme.

[0061] It should be pointed out that after the matching result representation successfully matches the target limit scheme, the specific processing flow is as follows: determine the restriction scope and limit index in the target limit scheme, and determine the corresponding target calculation method from several preset calculation methods according to the restriction scope; wherein the restriction scope includes any one or more of loan balance, open balance, credit amount, concentration and non-performing rate; verify the limit index using the target calculation method to determine whether the limit index is met; if the limit index is met, trigger the corresponding control method in the target limit scheme; if the limit index is not met, generate the occupation relationship between the credit object and the limit index, and return the result of successful transaction. Among them, the restriction scope refers to the perspective or dimension used to define the constraint scope and verification logic of the limit rule in the credit management system, which describes the specific calculation rules or applicable boundaries used in the limit verification and is a key component of the limit verification logic; the limit index refers to the core standard or numerical parameter used to measure and constrain the use of credit in a specific business scenario during credit management or transaction verification. It is the basis for defining whether a transaction or operation exceeds the limit range, and is the specific embodiment of the limit rule; the occupancy relationship is the association relationship between the quota object and the limit indicator, which is used to indicate the use of a certain quota within the limit range. That is, the quota management system first determines the limit caliber and the limit indicator in the target quota scheme, and then determines the target calculation method corresponding to the limit caliber from the preset several calculation methods according to the limit caliber, so as to verify the limit indicator by using the target calculation method to determine whether it meets the limit indicator. If the limit indicator is met, the corresponding control method in the target quota scheme is triggered. If the limit indicator is not met, the occupancy relationship between the quota object and the limit indicator is generated, so as to refer to it when receiving a request related to the occupancy relationship next time, update the current value in the limit scheme, and return the result of successful transaction. It can be understood that when the target calculation method corresponding to the limit caliber cannot be determined from the several calculation methods, this embodiment can set the corresponding calculation method according to the limit caliber to follow up in real time and improve the real-time performance of the limit verification.

[0062] It should be further pointed out that the processing flow of using the target calculation method to verify the limit indicator to determine whether the limit indicator is met is as follows: use the target calculation method and the current value recorded in the target limit plan to count the limit scope of the quota object, and compare the value of the limit scope with the target value in the limit indicator; if the comparison relationship between the value of the limit scope and the target value is consistent with the comparison operator in the limit indicator, it is determined that the limit indicator is met; if the comparison relationship between the value of the limit scope and the target value is inconsistent with the comparison operator in the limit indicator, it is determined that the limit indicator is not met. That is, Figure 4 The target value module shown includes not only the target value but also its corresponding comparison operator. In this embodiment, the target calculation method and the current value recorded in the target limit scheme are used to count the limit scope of the quota object, and the value of the limit scope is compared with the target value in the limit index. When the comparison relationship between the two is consistent with the comparison operator in the limit index, it is determined that the limit index is met. When the comparison relationship between the two is inconsistent with the comparison operator in the limit index, it is determined that the limit index is not met. For example, if the comparison operator corresponding to the target value module in the target limit scheme is a greater than sign, the target value is one million, and the calculated limit scope value is one million and two hundred thousand, then after comparison, it is found that the comparison relationship between the limit scope value and the target value is greater than, and it is determined that the limit index is met.

[0063] It is understandable that the corresponding control method in the triggering target limit scheme may be to intercept the transaction corresponding to the quota transaction request, or to determine the notification method and notification object in the limit indicator, and return a notification of transaction failure to the notification object through the notification method. That is, when the limit indicator is met, it means that the transaction corresponding to the current quota transaction request has not passed the limit verification and needs to be intercepted, or the notification method and notification object in the limit indicator are determined to return a notification of transaction failure based on the notification method and notification object. In this way, this embodiment dynamically corresponds to an adaptive limit calculator according to the restriction caliber type of the limit scheme, improves calculation flexibility and scalability, and integrates the limit indicator verification results with the quota object to generate an occupancy relationship, ensuring the consistency of the quota verification and subsequent operations.

[0064] Step S14: If the matching result indicates a failure to match the target quota scheme, jump to the step of determining the current target quota scheme to be matched according to the priorities of the preset multiple custom quota schemes, until all the multiple custom quota schemes are matched.

[0065] In this embodiment, when the matching result representation fails to match the target quota limit scheme, the quota management system jumps to the step of determining the current target quota limit scheme to be matched according to the priority of the preset several custom quota limit schemes until the several custom quota limit schemes are all matched. That is, when the matching result representation fails to match the target quota limit scheme, it means that the current quota object is not found to exceed the limit through the target quota limit scheme, and the limit check under the target quota limit scheme is passed. It can jump to the step of determining the current target quota limit scheme to be matched according to the priority of the preset several custom quota limit schemes, so as to use the target quota limit scheme determined next to perform a quota check on the quota object, and repeat this cycle until all the custom quota schemes are matched with the quota element and then stop. That is, after all the custom quota limit schemes have been passed, it is determined that the quota object does not exceed the limit, and then the transaction is allowed.

[0066] It should be pointed out that when a new limit demand appears, this embodiment can directly add the custom limit scheme, and its processing flow is as follows: create a custom new limit scheme based on the received scheme configuration instruction, and configure the limit indicators, limit elements, restriction caliber, and priority in the new limit scheme, so as to add the configured new limit scheme to the several custom limit schemes. Among them, the scheme configuration instruction is an instruction initiated by the management personnel according to the needs. That is, after receiving the scheme configuration instruction, this embodiment can create a custom new limit scheme according to the scheme configuration instruction, and configure the limit indicators, limit elements, restriction caliber, and priority in the new limit scheme to obtain a complete new limit scheme, and add the complete new limit scheme to the several custom limit schemes, so that after receiving a new quota transaction request, the new limit scheme can also be matched, thereby realizing the rapid adaptation and expansion of business rules.

[0067] As can be seen from the above, the embodiment of the present application first determines the limit element therein based on the received credit transaction request, and generates a corresponding credit object, then determines the current target limit scheme to be matched according to the priority, and uses the limit element to match the target limit scheme. If the matching result indicates a successful match, then based on the target limit scheme, the corresponding target calculation method is determined from several preset calculation methods, and the target calculation method and the target limit scheme are used to verify the credit object. If the matching fails, jump to the step of determining the current target limit scheme to be matched according to the priority of several preset custom limit schemes, until all of the several custom limit schemes are matched. In this way, through the above process of the embodiment of the present application, on the one hand, the transaction object is dynamically parsed through the limit element parser to support limit rule matching in complex scenarios; on the other hand, the matching limit scheme is determined according to the limit element, and the custom limit scheme can be dynamically modified according to the needs, which provides an efficient and flexible solution for limit verification and improves the scalability and verification efficiency of the system; on the one hand, according to the restriction caliber type of the limit scheme, the adaptive limit calculator is dynamically matched to improve the calculation flexibility and scalability, and the limit indicator verification results are integrated with the quota object to generate the occupancy relationship to ensure the consistency of the quota verification and subsequent operations; on the other hand, the target limit scheme is determined according to the limit element, and the target limit scheme is used to verify the transaction corresponding to the quota transaction request, and the overall verification logic is unified in one module to solve the problem of repeated and redundant processing of the logic of each module, thereby realizing a unified limit service verification mechanism to dynamically adapt to different limit schemes and improve system flexibility and efficiency.

[0068] Accordingly, see Figure 5 As shown, the embodiment of the present application also provides a limit verification device, including:

[0069] The object generation module 11 is used to determine the limit element based on the received limit transaction request, and generate a corresponding limit object based on the limit element;

[0070] The scheme matching module 12 is used to determine the target quota scheme to be matched according to the priorities of the preset multiple custom quota schemes, and use the quota element to match the target quota scheme to obtain a corresponding matching result; the target quota scheme is the highest priority scheme among the multiple custom quota schemes that are not matched at present;

[0071] A method determination module 13 is used to determine a corresponding target calculation method from a plurality of preset calculation methods based on the target limit scheme if the matching result representation successfully matches the target limit scheme, so as to verify the quota object using the target calculation method and the target limit scheme;

[0072] The step jump module 14 is used to jump to the step of determining the current target quota scheme to be matched according to the priority of the preset multiple custom quota schemes if the matching result indicates that the matching with the target quota scheme fails, until all the multiple custom quota schemes are matched.

[0073] As can be seen from the above, the embodiment of the present application first determines the limit element therein based on the received quota transaction request, and generates the corresponding quota object, then determines the current target limit scheme to be matched according to the priority, and uses the limit element to match the target limit scheme. If the matching result indicates a successful match, then the corresponding target calculation method is determined from several preset calculation methods based on the target limit scheme, and the target calculation method and the target limit scheme are used to verify the quota object. If the matching fails, jump to the step of determining the current target limit scheme to be matched according to the priority of several preset custom limit schemes until all of the several custom limit schemes are matched. In this way, through the above process of the embodiment of the present application, the target limit scheme is determined according to the limit element, and the transaction corresponding to the quota transaction request is verified using the target limit scheme, and the overall verification logic is unified in one module, solving the problem of repeated and redundant processing of the logic of each module, and then realizing a unified limit service verification mechanism to dynamically adapt to different limit schemes and improve system flexibility and efficiency.

[0074] In some specific implementations, the object generation module 11 may specifically include:

[0075] The object parsing unit is used to determine the transaction object based on the received quota transaction request, and parse the transaction object through a preset limit element parser to obtain the limit element in the transaction object.

[0076] In some specific implementations, the solution matching module 12 may specifically include:

[0077] An element comparison unit, used to determine the quota element rule configured in the target quota scheme, and compare the quota element with the quota element rule to obtain a corresponding comparison result;

[0078] A first result determination unit, configured to obtain a matching result indicating a failure to match the target quota scheme if the comparison result indicates that the quota element is inconsistent with the quota element rule;

[0079] The second result determination unit is configured to obtain a matching result that successfully matches the target quota scheme if the comparison result indicates that the quota element is consistent with the quota element rule.

[0080] In some specific implementations, the mode determination module 13 may specifically include:

[0081] A method determination unit, used to determine the restriction scope and limit index in the target limit scheme, and determine the corresponding target calculation method from a plurality of preset calculation methods according to the restriction scope; wherein the restriction scope includes any one or more of loan balance, exposure balance, credit amount, concentration and non-performing rate;

[0082] An indicator verification submodule, used to verify the limit indicator using the target calculation method to determine whether the limit indicator is met;

[0083] A method triggering submodule is used to trigger the corresponding control method in the target limit scheme if the limit index is met;

[0084] The result returning unit is used to generate an occupation relationship between the quota object and the quota indicator if the quota rule is not satisfied, and return a result of successful transaction.

[0085] In some specific implementations, the indicator verification submodule may specifically include:

[0086] A target value comparison unit, used to calculate the limit scope of the quota object by using the target calculation method and the current value recorded in the target limit scheme, and compare the value of the limit scope with the target value in the limit indicator;

[0087] A first result judgment unit, configured to determine that the limit index is satisfied if the comparison relationship between the limit caliber value and the target value is consistent with the comparison operator in the limit index;

[0088] The second result judgment unit is used to determine that the limit indicator is not met if the comparison relationship between the value of the restriction caliber and the target value is inconsistent with the comparison operator in the limit indicator.

[0089] In some specific implementations, the method triggering the submodule may specifically include:

[0090] A transaction interception unit, used to intercept the transaction corresponding to the credit transaction request;

[0091] Or, a notification returning unit is used to determine the notification method and notification object in the limit indicator, and return the notification of transaction failure to the notification object through the notification method.

[0092] In some specific implementations, the quota verification device may further include:

[0093] A content configuration unit is used to create a customized new limit scheme based on the received scheme configuration instructions, and configure the limit indicators, limit elements, restriction scope and priority in the new limit scheme to add the configured new limit scheme to the several customized limit schemes.

[0094] Furthermore, the present application also discloses an electronic device. Figure 6 This is a structural diagram of an electronic device 20 shown according to an exemplary embodiment, and the content in the figure cannot be regarded as any limitation on the scope of use of this application. The electronic device 20 may specifically include: at least one processor 21, at least one memory 22, a power supply 23, a communication interface 24, an input / output interface 25, and a communication bus 26. The memory 22 is used to store a computer program, and the computer program is loaded and executed by the processor 21 to implement the relevant steps in the limit verification method disclosed in any of the aforementioned embodiments. In addition, the electronic device 20 in this embodiment may specifically be an electronic computer.

[0095] In this embodiment, the power supply 23 is used to provide working voltage for each hardware device on the electronic device 20; the communication interface 24 can create a data transmission channel between the electronic device 20 and the external device, and the communication protocol it follows is any communication protocol that can be applied to the technical solution of the present application, and is not specifically limited here; the input and output interface 25 is used to obtain external input data or output data to the outside world, and its specific interface type can be selected according to specific application needs and is not specifically limited here.

[0096] In addition, the memory 22 as a carrier for storing resources may be a read-only memory, a random access memory, a disk or an optical disk, etc. The resources stored thereon may include an operating system 221, a computer program 222, etc., and the storage method may be temporary storage or permanent storage.

[0097] The operating system 221 is used to manage and control the hardware devices and computer program 222 on the electronic device 20, which can be Windows Server, Netware, Unix, Linux, etc. In addition to including a computer program that can be used to complete the limit verification method performed by the electronic device 20 disclosed in any of the aforementioned embodiments, the computer program 222 can further include a computer program that can be used to complete other specific tasks.

[0098] Furthermore, the present application also discloses a computer-readable storage medium for storing a computer program; wherein the computer program, when executed by a processor, implements the aforementioned disclosed limit verification method. The specific steps of the method can refer to the corresponding contents disclosed in the aforementioned embodiments, and will not be repeated here.

[0099] In this specification, each embodiment is described in a progressive manner, and each embodiment focuses on the differences from other embodiments. The same or similar parts between the embodiments can be referred to each other. For the device disclosed in the embodiment, since it corresponds to the method disclosed in the embodiment, the description is relatively simple, and the relevant parts can be referred to the method part.

[0100] Professionals may further appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of the two. In order to clearly illustrate the interchangeability of hardware and software, the composition and steps of each example have been generally described in the above description according to function. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professionals and technicians may use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of this application.

[0101] The steps of the method or algorithm described in conjunction with the embodiments disclosed herein may be implemented directly using hardware, a software module executed by a processor, or a combination of the two. The software module may be placed in a random access memory (RAM), a memory, a read-only memory (ROM), an electrically programmable ROM, an electrically erasable programmable ROM, a register, a hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.

[0102] Finally, it should be noted that, in this article, relational terms such as first and second, etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Moreover, the terms "include", "comprise" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or device. In the absence of further restrictions, the elements defined by the sentence "comprise a ..." do not exclude the presence of other identical elements in the process, method, article or device including the elements.

[0103] The technical solution provided by the present application is introduced in detail above. Specific examples are used in this article to illustrate the principles and implementation methods of the present application. The description of the above embodiments is only used to help understand the method of the present application and its core idea. At the same time, for general technicians in this field, according to the idea of ​​the present application, there will be changes in the specific implementation methods and application scope. In summary, the content of this specification should not be understood as a limitation on the present application.

Claims

1. A quota verification method, characterized in that: Applied to the quota management system, including: Determine a limit element based on the received limit transaction request, and generate a corresponding limit object according to the limit element; Determine the target quota scheme to be matched according to the priorities of the preset multiple custom quota schemes, and use the quota element to match the target quota scheme to obtain a corresponding matching result; the target quota scheme is the highest priority scheme among the multiple custom quota schemes that are not matched; If the matching result indicates a successful match with the target quota scheme, a corresponding target calculation method is determined from a plurality of preset calculation methods based on the target quota scheme, so as to verify the quota object using the target calculation method and the target quota scheme; If the matching result indicates that the match with the target quota scheme fails, the process jumps to the step of determining the current target quota scheme to be matched according to the priorities of the preset multiple custom quota schemes until all the multiple custom quota schemes are matched.

2. The quota verification method according to claim 1, characterized in that: The determining of the limit element based on the received quota transaction request includes: A transaction object is determined based on the received quota transaction request, and the transaction object is parsed by a preset quota element parser to obtain a quota element in the transaction object.

3. The quota verification method according to claim 1, characterized in that: The using the quota element to match the target quota scheme to obtain a corresponding matching result includes: Determining the quota element rule configured in the target quota scheme, and comparing the quota element with the quota element rule to obtain a corresponding comparison result; If the comparison result indicates that the quota element is inconsistent with the quota element rule, a matching result indicating a failure to match the target quota scheme is obtained; If the comparison result indicates that the quota element is consistent with the quota element rule, a matching result successfully matching the target quota scheme is obtained.

4. The quota verification method according to any one of claims 1 to 3, characterized in that: The determining a corresponding target calculation method from a plurality of preset calculation methods based on the target limit scheme, so as to verify the quota object by using the target calculation method and the target limit scheme, includes: Determine the restriction scope and limit index in the target limit scheme, and determine the corresponding target calculation method from a number of preset calculation methods according to the restriction scope; wherein the restriction scope includes any one or more of the loan balance, exposure balance, credit amount, concentration and non-performing rate; Verifying the limit indicator by using the target calculation method to determine whether the limit indicator is met; If the limit indicators are met, the corresponding control method in the target limit plan is triggered; If the limit indicator is not met, the occupation relationship between the quota object and the limit indicator is generated, and a successful transaction result is returned.

5. The quota verification method according to claim 4, characterized in that: The checking the limit indicator by using the target calculation method to determine whether the limit indicator is met includes: Calculate the limit scope of the quota object by using the target calculation method and the current value recorded in the target limit plan, and compare the value of the limit scope with the target value in the limit indicator; If the comparison relationship between the value of the restriction caliber and the target value is consistent with the comparison operator in the limit index, it is determined that the limit index is met; If the comparison relationship between the value of the restriction caliber and the target value is inconsistent with the comparison operator in the limit indicator, it is determined that the limit indicator is not met.

6. The quota verification method according to claim 5, characterized in that: The corresponding control methods in the triggering target limit scheme include: Intercepting the transaction corresponding to the quota transaction request; Or, determine the notification method and notification object in the limit indicator, and return a notification of transaction failure to the notification object through the notification method.

7. The quota verification method according to claim 6, characterized in that: Also includes: A customized new limit scheme is created based on the received scheme configuration instruction, and the limit indicator, the limit element, the restriction scope and the priority in the new limit scheme are configured to add the configured new limit scheme to the several customized limit schemes.

8. A quota checking device, characterized in that: Applied to the quota management system, including: An object generation module, used to determine a limit element based on the received limit transaction request, and generate a corresponding limit object based on the limit element; A scheme matching module, used to determine the target quota scheme to be matched according to the priorities of the preset several custom quota schemes, and use the quota element to match the target quota scheme to obtain a corresponding matching result; the target quota scheme is the highest priority scheme among the several custom quota schemes that are not matched at present; a method determination module, configured to determine a corresponding target calculation method from a plurality of preset calculation methods based on the target limit scheme if the matching result representation successfully matches the target limit scheme, so as to verify the quota object using the target calculation method and the target limit scheme; The step jump module is used to jump to the step of determining the current target quota scheme to be matched according to the priority of several preset custom quota schemes if the matching result representation fails to match the target quota scheme, until all the several custom quota schemes are matched.

9. An electronic device, characterized in that: include: Memory, used to store computer programs; A processor, configured to execute the computer program to implement the quota verification method as described in any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that: Used to store computer programs; wherein, when the computer program is executed by a processor, the quota verification method as described in any one of claims 1 to 7 is implemented.

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