Financial product quota processing method and device and electronic equipment

Abstract

The invention discloses a quota processing method and device of a financial product and electronic equipment. The method relates to the field of financial science and technology, and comprises the following steps: in response to a transaction request about a target financial product initiated by a user at a website of a target financial institution, executing a transaction behavior based on an available limit of the target financial institution, the target financial institution concurrently executing different transaction behaviors based on concurrency parameters, the concurrency parameters at least comprise the number of sub-quotas obtained by dispersing the available quotas and the numerical values of the sub-quotas; after the transaction behavior is executed, the available quota of a target quota node corresponding to the target financial institution is updated, and the popularity parameter value of the target quota node is calculated; and according to the updated available quota and the popularity parameter value of the target quota node, updating a concurrence parameter of the target quota node. According to the method and the device, the problem of performance bottleneck of a financial management system caused by high-concurrency transaction of the hot-spot quota of financial products in related technologies is solved.

Description

Technical Field

[0001] The present application relates to the distributed field, and in particular, to a method, device and electronic device for processing the amount of a financial product. Background Art

[0002] In the existing financial management system, popular financial products often have high-concurrency transactions during the open trading period. Each transaction needs to occupy and release quota resources, resulting in frequent read and write operations of quota records. In this case, multiple transaction requests compete for the write lock of the quota table, resulting in lock waiting and system performance degradation, which directly affects the response time and experience of user transactions.

[0003] Solutions in related technologies include: Although it is simple to limit the number of transaction requests through concurrency control, it may cause a large number of customers to retry transactions through electronic channels or queue up at outlets for service, causing congestion at outlets; although the use of a distributed database can disperse pressure, it increases the cost of system construction and is not cost-effective for non-continuous high-concurrency scenarios; although the use of Kafka asynchronous updates can smooth out peaks and fill valleys, message congestion may occur when the queue consumption rate is lower than the rate of increase in transaction volume, and it cannot meet the real-time requirements of cash-based financial products; although the in-memory database is fast, data is easily lost and stability is difficult to guarantee.

[0004] There is currently no effective solution to the problem of performance bottlenecks in financial management systems caused by high-concurrency transactions of hot quotas of financial products in related technologies. Summary of the invention

[0005] The main purpose of this application is to provide a method, device and electronic device for processing the quota of a financial product, so as to solve the problem of performance bottleneck of the financial management system caused by high concurrent transactions of hot quotas of financial products in related technologies.

[0006] In order to achieve the above-mentioned purpose, according to one aspect of the present application, a method for processing the quota of a financial product is provided. The method includes: responding to a transaction request for a target financial product initiated by a user at a branch of a target financial institution, executing a transaction behavior based on the available quota of the target financial institution, wherein the target financial institution concurrently executes different transaction behaviors based on a concurrency parameter, and the concurrency parameter at least includes the number of sub-quotas obtained by dispersing the available quota and the value of the sub-quota; after the transaction behavior is executed, updating the available quota of the target quota node corresponding to the target financial institution, and calculating the heat parameter value of the target quota node, wherein the total quota of the target financial product is allocated step by step to the quota nodes corresponding to each level of financial institutions, and the heat parameter value represents the frequency of using the quota for transactions; updating the concurrency parameter of the target quota node according to the updated available quota and heat parameter value of the target quota node.

[0007] Optionally, updating the concurrency parameters of the target quota node according to the updated available quota and heat parameter value of the target quota node includes: updating the number of sub-quotas of the target quota node according to the relationship between the heat parameter value of the target quota node and the heat parameter value threshold; updating the values ​​of the sub-quotas according to the updated available quota of the target quota node and the updated number of sub-quotas.

[0008] Optionally, the heat parameter value includes a heat increase rate that characterizes the growth rate of the number of transactions. According to the relationship between the heat parameter value of the target quota node and the heat parameter value threshold, updating the number of sub-quotas of the target quota node includes: when the heat increase rate is greater than or equal to the upper limit of the heat increase rate, increasing the number of sub-quotas of the target quota node and resetting the initial heat value of the sub-quotas; when the heat increase rate is less than the upper limit of the heat increase rate, reducing the number of sub-quotas of the target quota node and resetting the initial heat value of the sub-quotas.

[0009] Optionally, the heat parameter value including the heat increase rate is determined in the following manner: calculating the sum of the heat values ​​of all sub-limits of the available limit of the target financial institution in a preset time period to obtain a total heat value; calculating the ratio of the total heat value to the length of the preset time period to obtain the heat increase rate.

[0010] Optionally, the heat parameter value includes a heat value characterizing the number of transactions. According to the relationship between the heat parameter value of the target credit limit node and the heat parameter value threshold, updating the number of sub-credit limits of the target credit limit node includes: obtaining the time required for the total heat value of the target credit limit node in the historical time period to grow from an initial heat value to an upper limit of the heat value, and obtaining a time threshold; after exceeding the time threshold, if the total heat value of all sub-credit limits of the available credit limit of the target financial institution does not reach the upper limit of the heat value, reducing the number of sub-credit limits of the target credit limit node.

[0011] Optionally, before responding to a transaction request regarding a target financial product initiated by a user at a branch of a target financial institution, the method further includes: allocating the total credit limit of the target financial product to credit limit nodes at each level step by step, wherein each level of credit limit nodes includes branches of financial institutions at different levels; for each credit limit node, dispersing the available credit limit of the credit limit node into multiple sub-credit limits, obtaining the number of sub-credit limits and the values ​​of the sub-credit limits, setting the initial heat value of the sub-credit limit, and setting the heat parameter threshold of the credit limit node.

[0012] Optionally, responding to a transaction request regarding a target financial product initiated by a user at a branch of a target financial institution includes: querying all sub-limits of the target financial institution's available limit to obtain values ​​of M sub-limits, where M is a positive integer; when the values ​​of the M sub-limits are different, using the sub-limit with the highest value to process and execute the transaction; when the values ​​of the M sub-limits are the same, randomly selecting a sub-limit to process and execute the transaction.

[0013] In order to achieve the above-mentioned purpose, according to another aspect of the present application, a financial product quota processing device is provided. The device includes: a transaction module, which is used to respond to a transaction request for a target financial product initiated by a user at a branch of a target financial institution, and execute a transaction behavior based on the available quota of the target financial institution, wherein the target financial institution concurrently executes different transaction behaviors based on a concurrency parameter, and the concurrency parameter at least includes the number of sub-quotas obtained by dispersing the available quota and the value of the sub-quota; a heat parameter calculation module, which is used to update the available quota of the target quota node corresponding to the target financial institution after the transaction behavior is executed, and calculate the heat parameter value of the target quota node, wherein the total quota of the target financial product is allocated step by step to the quota nodes corresponding to each level of financial institutions, and the heat parameter value represents the frequency of using the quota for transactions; a concurrency parameter update module, which is used to update the concurrency parameter of the target quota node according to the updated available quota and heat parameter value of the target quota node.

[0014] In order to achieve the above-mentioned purpose, according to another aspect of the present application, a computer program product is provided, which includes: a non-volatile computer-readable storage medium storing a computer program, and when the computer program is executed by a processor, a method for processing the amount of a financial product is implemented.

[0015] In order to achieve the above-mentioned purpose, according to another aspect of the present application, an electronic device is provided. The device includes: a computer program is stored in a memory, and a processor is configured to execute a method for processing a credit limit of a financial product through the computer program.

[0016] In an embodiment of the present application, in response to a transaction request for a target financial product initiated by a user at a branch of a target financial institution, a transaction behavior is executed based on the available quota of the target financial institution, wherein the target financial institution concurrently executes different transaction behaviors based on a concurrency parameter, and the concurrency parameter at least includes the number of sub-quotas obtained by dispersing the available quota and the value of the sub-quota; after the transaction behavior is executed, the available quota of the target quota node corresponding to the target financial institution is updated, and the heat parameter value of the target quota node is calculated, wherein the total quota of the target financial product is allocated step by step to the quota nodes corresponding to the financial institutions at all levels, and the heat parameter value represents the frequency of using the quota for transactions; the concurrency parameter of the target quota node is updated according to the updated available quota and heat parameter value of the target quota node. By dispersing a single quota into multiple sub-quotas and dynamically adjusting the number of sub-quotas, the purpose of reducing the lock waiting and financial management system performance pressure in concurrent operations is achieved, thereby achieving the technical effect of improving the system response speed and optimizing the user transaction experience in a high-concurrency transaction scenario, thereby solving the problem of financial management system performance bottleneck caused by high-concurrency transactions of hot quotas of financial products in related technologies. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] The drawings constituting a part of the present application are used to provide a further understanding of the present application. The illustrative embodiments and descriptions of the present application are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0018] Figure 1 It is a hardware structure block diagram of a computer terminal for implementing a method for processing the amount of a financial product;

[0019] Figure 2 It is a flow chart of a method for processing a credit limit of a financial product provided in an embodiment of the present application;

[0020] Figure 3 It is a flow chart of regional node quota aggregation provided according to an embodiment of the present application;

[0021] Figure 4 is a schematic diagram of a credit node tree provided according to an embodiment of the present application;

[0022] Figure 5 is a schematic diagram of a credit limit processing device for a financial product provided in an embodiment of the present application;

[0023] Figure 6 It is a structural block diagram of an electronic device according to an embodiment of the present application. DETAILED DESCRIPTION

[0024] In order to enable those skilled in the art to better understand the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of this application.

[0025] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0026] It should be noted that the collected information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for display, data for analysis, etc.) involved in this application are information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of relevant data are in compliance with relevant laws, regulations and standards, necessary confidentiality measures are taken, and public order and good customs are not violated, and corresponding operation entrances are provided for users to choose to authorize or refuse. For example, an interface is set up between this system and relevant users or institutions to provide users with corresponding operation entrances for users to choose to agree or refuse the results of automated decision-making; if the user chooses to refuse, the expert decision-making process will be entered.

[0027] Example 1

[0028] According to an embodiment of the present application, a method embodiment of a financial product credit limit processing is also provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0029] The method embodiment provided in the first embodiment of the present application can be executed in a mobile terminal, a computer terminal or a similar computing device. Figure 1 The hardware structure block diagram of a computer terminal for implementing a method for processing the amount of financial products. Figure 1 As shown, the computer terminal 10 may include one or more ( Figure 1 The system includes a processor 102 (the processor 102 may include but is not limited to a processing device such as a microprocessor (MCU, Microcontroller Unit) or a programmable logic device (FPGA, Field-Programmable Gate Array)), a memory 104 for storing data, and a transmission device 106 for communication functions. In addition, it may also include: a display, an input / output interface (I / O interface, Input / Output interface), a universal serial bus (USB, Universal Serial Bus) port (which may be included as one of the ports of the BUS bus), a network interface, a power supply and / or a camera. It can be understood by those skilled in the art that Figure 1 The structure shown is only for illustration and does not limit the structure of the above electronic device. Figure 1 More or fewer components as shown, or with Figure 1 Different configurations are shown.

[0030] It should be noted that the one or more processors 102 and / or other data processing circuits described above may generally be referred to herein as "data processing circuits". The data processing circuits may be embodied in whole or in part as software, hardware, firmware, or any other combination thereof. In addition, the data processing circuit may be a single independent processing module, or may be incorporated in whole or in part into any of the other components in the computer terminal 10 (or mobile device). As described in the embodiments of the present application, the data processing circuit acts as a processor control (e.g., selection of a variable resistor terminal path connected to an interface).

[0031] The memory 104 can be used to store software programs and modules of application software, such as program instructions / data storage devices corresponding to the amount processing method of financial products in the embodiment of the present application. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, that is, the amount processing method of financial products described above is realized. The memory 104 may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, the memory 104 may further include a memory remotely arranged relative to the processor 102, and these remote memories may be connected to the computer terminal 10 via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0032] The transmission device 106 is used to receive or send data via a network. The specific example of the above network may include a wireless network provided by a communication provider of the computer terminal 10. In one example, the transmission device 106 includes a network adapter (Network Interface Controller, NIC), which can be connected to other network devices through a base station so as to communicate with the Internet. In one example, the transmission device 106 can be a radio frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0033] The display may be, for example, a touch screen liquid crystal display (LCD), which may enable a user to interact with a user interface of the computer terminal 10 (or mobile device).

[0034] Under the above operating environment, this application provides Figure 2 The amount processing method of the financial products shown. Figure 2 It is a flow chart of a method for processing the amount of a financial product provided in accordance with an embodiment of the present application.

[0035] Step S201, responding to a transaction request for a target financial product initiated by a user at a branch of a target financial institution, executing a transaction based on the available credit limit of the target financial institution, wherein the target financial institution concurrently executes different transaction behaviors based on a concurrency parameter, and the concurrency parameter at least includes the number of sub-credits obtained by dispersing the available credit limit and the value of the sub-credit;

[0036] For example, when a customer initiates a transaction at a branch of a target financial institution, the financial institution accepts the transaction request and responds. The response may be to execute a corresponding transaction behavior according to the transaction type.

[0037] Specifically, transaction behaviors may include the purchase and redemption of target financial products; concurrency parameters refer to a set of relevant parameters used to control concurrent transactions when the target financial institution processes transaction behaviors. These parameters are directly related to how the target financial institution allocates resources, processes transaction requests, and optimizes the number and value of sub-quotas under high concurrency conditions.

[0038] The number of sub-quotas refers to the number of sub-quotas corresponding to each quota node after the quota node is divided into multiple sub-quotas. The number of sub-quotas determines the upper limit of the concurrent transaction volume supported by the quota node.

[0039] The value of the sub-quota refers to the specific amount of each sub-quota. When the value of the sub-quota is greater than or equal to the value of the target financial product, the transaction can be executed directly; when the value of the sub-quota is less than the value of the target financial product, the quota node and its sub-quota are called to the upper level.

[0040] Step S202: after the transaction is completed, the available quota of the target quota node corresponding to the target financial institution is updated, and the heat parameter value of the target quota node is calculated, wherein the total quota of the target financial product is allocated to the quota nodes corresponding to the financial institutions at each level step by step, and the heat parameter value represents the frequency of using the quota for transactions;

[0041] Specifically, updating the available credit limit includes: when the transaction behavior is to purchase the target financial product, deducting the purchase amount from the original available credit limit; when the transaction behavior is to redeem the target financial product, increasing the redemption amount from the original available credit limit.

[0042] The heat parameter value represents the frequency of use of the target quota node when processing transaction requests, reflecting the degree of transaction activity. The heat parameter value may include the heat increase rate representing the growth rate of the number of transactions and the heat value of the number of transactions. The number and value of sub-quotas can be dynamically adjusted based on these parameter values ​​to optimize the resource allocation of the target quota node.

[0043] Step S203, updating the concurrency parameter of the target quota node according to the updated available quota and heat parameter value of the target quota node.

[0044] Specifically, after each transaction is completed, the concurrency parameters are adjusted by re-evaluating the current state of the target quota node. The concurrency parameters are a set of key parameters used to control the processing of transaction requests, mainly involving the relevant configuration of the target quota node and its sub-quotas, such as the number and value of sub-quotas.

[0045] In an embodiment of the present application, in response to a transaction request for a target financial product initiated by a user at a branch of a target financial institution, a transaction behavior is executed based on the available quota of the target financial institution, wherein the target financial institution concurrently executes different transaction behaviors based on a concurrency parameter, and the concurrency parameter at least includes the number of sub-quotas obtained by dispersing the available quota and the value of the sub-quota; after the transaction behavior is executed, the available quota of the target quota node corresponding to the target financial institution is updated, and the heat parameter value of the target quota node is calculated, wherein the total quota of the target financial product is allocated step by step to the quota nodes corresponding to the financial institutions at all levels, and the heat parameter value represents the frequency of using the quota for transactions; the concurrency parameter of the target quota node is updated according to the updated available quota and heat parameter value of the target quota node. By dispersing a single quota into multiple sub-quotas and dynamically adjusting the number of sub-quotas, the purpose of reducing the lock waiting and financial management system performance pressure in concurrent operations is achieved, thereby achieving the technical effect of improving the system response speed and optimizing the user transaction experience in a high-concurrency transaction scenario, thereby solving the problem of financial management system performance bottleneck caused by high-concurrency transactions of hot quotas of financial products in related technologies.

[0046] In order to dynamically adjust the resource allocation of the target quota node according to the transaction load, optionally, in the quota processing method of the financial product provided in the embodiment of the present application, updating the concurrency parameters of the target quota node according to the updated available quota and heat parameter value of the target quota node includes: updating the number of sub-quotas of the target quota node according to the relationship between the heat parameter value of the target quota node and the heat parameter value threshold; updating the value of the sub-quota according to the updated available quota of the target quota node and the updated number of sub-quotas.

[0047] Specifically, the heat parameter value threshold is a preset reference value used to evaluate the transaction activity of the target quota node, and is used to determine whether the current concurrency parameter needs to be adjusted. The heat parameter value threshold may include: the upper limit of the heat value, which indicates the preset maximum value of the heat value of the target quota node. When the heat value reaches or approaches the upper limit, it indicates that the transaction activity is high; the upper limit and lower limit of the heat increase rate, which indicate the preset maximum and minimum values ​​of the growth rate of the heat value within a preset time period, reflecting the speed of the increase in transaction frequency.

[0048] Updating the number of sub-quotas of the target quota node is to adjust the number of transactions that the target financial institution can process simultaneously. When the number of sub-quotas increases, the target financial institution can support more concurrent transactions; when the number decreases, it can avoid waste caused by excessive dispersion of resources.

[0049] By adding up the values ​​of all sub-quotas in a quota node, we can get the total quota Q:

[0050]

[0051] Where n is the number of sub-quotas, k is a positive integer starting from 1 and increasing to n, Q k It is the value of the k-th sub-quota.

[0052] The value of the sub-quota can be calculated by dividing the updated available credit limit by the number of updated sub-quotas, and the value of each sub-quota can be evenly distributed when updating.

[0053] The embodiment of the present application achieves the effect of optimizing the concurrent processing capability of the quota node by updating the number of sub-quotas based on the heat parameter value and the threshold relationship and recalculating the value of each sub-quota.

[0054] In order to adjust the number of sub-quotas of the target quota node to adapt to real-time transaction needs, optionally, in the quota processing method of the financial product provided in the embodiment of the present application, the heat parameter value includes a heat increase rate that characterizes the growth rate of the number of transactions, and according to the relationship between the heat parameter value of the target quota node and the heat parameter value threshold, updating the number of sub-quotas of the target quota node includes: when the heat increase rate is greater than or equal to the upper limit of the heat increase rate, increasing the number of sub-quotas of the target quota node and resetting the initial heat value of the sub-quotas; when the heat increase rate is less than the upper limit of the heat increase rate, reducing the number of sub-quotas of the target quota node and resetting the initial heat value of the sub-quotas.

[0055] Specifically, when the heat increase rate is greater than or equal to the upper limit of the heat increase rate, it means that the transaction frequency is growing too fast and the existing number of sub-quotas is insufficient to support the current concurrent transaction needs. Therefore, it is necessary to increase the number of sub-quotas to alleviate the concurrent pressure. When the heat increase rate is lower than the upper limit, it means that the current number of sub-quotas is too large and resource allocation is redundant. At this time, reducing the number of sub-quotas can save resource consumption.

[0056] For example, during the time period t0-t1, the total heat value T of a node reaches the upper limit M of the node heat value. Calculate the heat increase rate of the node:

[0057] r = M / (t1 - t0);

[0058] Among them, r is the heat increase rate, and t0-t1 is the time it takes for the total heat value T of a node to reach the upper limit M of the node's heat value.

[0059] It should be noted that resetting the initial heat value of the sub-quota can ensure that the new sub-quota heat value starts counting from zero, avoiding affecting the subsequent monitoring of heat parameter values ​​and adjusting the number of sub-quota items; after the reset, the time when the regional quota recently reached the hotspot upper limit t=t1 and the time required to reach the upper limit recently are recorded. m =t-t0.

[0060] When the heat increase rate is between the upper and lower limits of the heat increase rate, it indicates that the number of sub-quotas n just meets the concurrent demand and no adjustment is required. The time when the regional quota recently reached the hot spot upper limit is recorded as t=t1, and the time required to reach the upper limit is Tm=t-t0.

[0061] If the monitoring shows that the quota node has not reached the hotspot upper limit M at time t2, and it has exceeded the time Tm required to reach the upper limit last time, that is, t2-t<Tm and T<M. This indicates that the number of sub-quotas n allocated to the node is too many, resulting in a waste of financial management system capacity. The number of sub-quotas n-1 is adjusted, and one sub-quota is reallocated and reduced without resetting the sub-quota heat value. The sub-quota heat value is not reset because the quota node has not reached the hotspot upper limit M, and there is no need to record the time until the quota node reaches the hotspot upper limit M, and then record the time.

[0062] The embodiment of the present application achieves the effect of increasing the number of concurrent processing and avoiding lock waiting problems in high concurrency scenarios by updating the number of sub-quotas according to the size of the heat increase rate and resetting the initial heat value of the sub-quota.

[0063] In order to obtain accurate heat parameter values ​​and heat growth rates, optionally, in the credit limit processing method for financial products provided in the embodiments of the present application, the heat parameter values ​​including the heat increase rate are determined in the following manner: the sum of the heat values ​​of all sub-credit limits of the available credit limit of the target financial institution in a preset time period is calculated to obtain the total heat value; the ratio of the total heat value to the length of the preset time period is calculated to obtain the heat increase rate.

[0064] The formula for the total heat value T is:

[0065]

[0066] Where n is the number of sub-quotas, k is a positive integer starting from 1 and increasing to n, R k It is the heat value of the k-th sub-quota.

[0067] Specifically, the preset time period refers to a fixed time range used to calculate the transaction activity of the target quota node in the embodiment. It is a pre-set period of time for monitoring the heat parameter value, for example, it can be the past month; the higher the heat increase rate, the higher the hotspot of the area.

[0068] The embodiment of the present application achieves the effect of quantifying the degree of trading activity by obtaining the total heat value and then calculating the heat increase rate.

[0069] In order to judge and adjust the number of sub-quotas based on the time threshold and the total heat value, optionally, in the credit limit processing method for financial products provided in the embodiment of the present application, the heat parameter value includes a heat value characterizing the number of transactions, and according to the relationship between the heat parameter value of the target credit limit node and the heat parameter value threshold, updating the number of sub-quotas of the target credit limit node includes: obtaining the time required for the total heat value of the target credit limit node in the historical time period to grow from the initial heat value to the upper limit of the heat value, and obtaining the time threshold; after exceeding the time threshold, if the total heat value of all sub-quotas of the available credit limit of the target financial institution does not reach the upper limit of the heat value, reducing the number of sub-quotas of the target credit limit node.

[0070] Specifically, the heat value upper limit refers to the maximum preset value that the total heat value of the target quota node can reach, which is used to represent the maximum trading activity that the node can bear within a period of time. When the total heat value reaches the heat value upper limit within the time threshold, it means that the trading activity of the node has exceeded the carrying capacity of the financial management system; when the total heat value does not reach the heat value upper limit, it means that the trading activity of the node is within the carrying capacity of the financial management system.

[0071] The upper limit of the heat value is set to provide a quantitative threshold for monitoring and adjusting sub-quota allocation to ensure that the system runs stably in high-concurrency scenarios and avoid consuming resources that exceed the quota nodes' requirements.

[0072] In an optional implementation, customers A and B trade the same financial product in the same region G at the same time through the mobile banking electronic channel. Customer A purchases a financial product worth RMB 10,000, customer B purchases a financial product worth RMB 20,000, and customer C redeems a financial product worth RMB 5,000 at the same time in a different region Z. The processing is as follows:

[0073] Set the default sub-quota number rules as shown in Table 1:

[0074] Table 1

[0075] Total available node quota range Number of scattered strips n 0≤x＜10000 1 10000≤x＜50000 2 50000≤x 3

[0076] The head office quota is divided into regional quotas, and the upper and lower limits of the heat value and heat increase rate of each node are set, as shown in Table 2:

[0077]

[0078] Each quota node is distributed to sub-quotas according to the sub-quota number rule (Table 1), as shown in Table 3.1, Table 3.2 and Table 3.3:

[0079] Table 3.1

[0080] node Sub-quota Heat value Head office node sub-quota 1 5000 0

[0081] Table 3.2

[0082] node Sub-quota Heat value G Region Node 1 23333 0 G Region Node 2 23333 0 G Region Node 3 23334 0

[0083] Table 3.3

[0084] node Sub-quota Heat value Z Region Node 1 12500 0 Z Region Node 2 12500 0

[0085] Figure 3 This is a flowchart of regional node quota aggregation provided by the embodiment of the present application. After the quota is dispersed and initialized, the financial management system receives the transaction request, executes the "sub-quota record update" and "sub-quota summary query" steps, and the transaction process is as follows: Figure 3 As shown, each transaction is divided into a quota node in the region according to the transaction area, uses the sub-quotas under the quota node in the region, and is finally aggregated into the quota node in the region.

[0086] The sub-quota parameter changes are shown in Table 4 (customers A and B purchase 10,000 and 20,000 yuan of financial management in region G, and the G1 and G2 sub-quotas are deducted by 10,000 and 20,000 yuan respectively), and Table 5 (customer C redeems 5,000 yuan of financial management in region Z, and the Z1 sub-quota is increased by 5,000 yuan):

[0087] Table 4

[0088]

[0089]

[0090] Table 5

[0091] node Sub-quota Heat value Z Region Node 1 17500 1 Z Region Node 2 12500 0

[0092] According to Table 4 and Table 5, after the transaction is completed, the total available quota in Region G is 13333+3333+23334=40000, and the total available quota in Region Z is 17500+12500=30000. The total popularity value of Region G is 2, and the total popularity value of Region Z is 1.

[0093] After the transaction between customers A and B is completed, the total heat value of region G is 2, reaching the set upper limit of the heat value. Assuming that the total transaction time of A and B is 1s, the heat increase rate is 2 / s, which also reaches the upper limit of the increase rate. At this time, the background monitoring process determines that the number of sub-quotas in region G no longer meets the current concurrency requirements, and redistributes the G node quota to 4 sub-quotas as shown in Table 6:

[0094] Table 6

[0095] node Sub-quota Heat value G Region Node 1 10000 0 G Region Node 2 10000 0 G Region Node 3 10000 0 G Region Node 3 10000 0

[0096] Assuming that the transaction time of customer C is 1s, the popularity of region Z reaches the maximum value, and the popularity increase rate is 1 / s, which is less than the lower limit of the popularity increase rate of region Z, 2 / s. At this time, the background monitoring process determines that there are too many sub-quotas in region Z and the performance is excessive, so the number of sub-quotas is reduced. The sub-quotas after redistribution are shown in Table 7:

[0097] Table 7

[0098] node Sub-quota Heat value Z Region Node 1 30000 0

[0099] The embodiment of the present application decides whether to reduce the number of sub-quotas based on whether the current total heat value reaches the upper limit after exceeding the time threshold, thereby achieving the effect of recovering excess sub-quotas when the transaction frequency is low and reducing system resource overhead.

[0100] In order to allocate reasonable quota and sub-quota parameters before the transaction begins, optionally, in the quota processing method for financial products provided in the embodiment of the present application, before responding to the transaction request regarding the target financial product initiated by the user at the branch of the target financial institution, the method also includes: allocating the total quota of the target financial product to quota nodes at each level step by step, wherein the quota nodes at each level include branches of financial institutions of different levels; for each quota node, dispersing the available quota of the quota node into multiple sub-quotas, obtaining the number of sub-quotas and the value of the sub-quotas, setting the initial heat value of the sub-quota, and setting the heat parameter threshold of the quota node.

[0101] Specifically, the credit limit nodes at various levels may include a head office credit limit node, a regional credit limit node, and a branch credit limit node.

[0102] Figure 4 is a schematic diagram of a credit node tree provided according to an embodiment of the present application, such as Figure 4As shown, the head office quota is divided into multiple regional quotas, and a region is divided into multiple branch quotas. Each quota record is defined as a quota node. From the head office node to the regional node, and then to the branch node, all quota nodes constitute a quota tree. Each quota node is then divided into n sub-quotas, and the sub-quota value is Qn. For each quota node, an upper limit M of the heat value, an upper limit N of the heat increase rate, and a lower limit P of the heat increase rate are set. The heat value Rn of each sub-quota is initially 0.

[0103] The embodiment of the present application achieves the effect of laying the foundation for transaction load distribution and real-time dynamic adjustment by allocating quota nodes at each level step by step, further dispersing the quota of each node into multiple sub-quotas, and setting parameters for each sub-quota.

[0104] In order to balance the sub-limit values ​​during the transaction execution process, optionally, in the limit processing method for financial products provided in the embodiment of the present application, responding to a transaction request for a target financial product initiated by a user at a branch of a target financial institution includes: querying all sub-limits of the available limit of the target financial institution to obtain the values ​​of M sub-limits, where M is a positive integer; when the values ​​of the M sub-limits are different, using the sub-limit with the highest value to execute the transaction; when the values ​​of the M sub-limits are the same, randomly selecting a sub-limit to execute the transaction.

[0105] Specifically, when the values ​​of the sub-quotas are different, the sub-quota with the highest value is selected to execute the transaction behavior. This can minimize the difference between the values ​​of the sub-quota and other sub-quotas, thereby balancing the values ​​of each sub-quota.

[0106] When the values ​​of the sub-quotas are the same, randomly selecting one of the sub-quotas to execute the transaction can avoid excessive concentration of sub-quotas due to fixed order selection, which affects the numerical balance of each sub-quota.

[0107] The embodiment of the present application queries all sub-quotas of the target financial institution and uses the sub-quotas to execute transactions according to selection rules, thereby achieving the effect of balancing the use of sub-quotas and avoiding excessive consumption of hot sub-quotas.

[0108] It should be noted that the steps shown in the flowcharts of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and that, although a logical order is shown in the flowcharts, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0109] Example 2

[0110] The embodiment of the present application also provides a credit processing device for a financial product. It should be noted that the credit processing device for a financial product in the embodiment of the present application can be used to execute the credit processing method for a financial product provided in the embodiment of the present application. The credit processing device for a financial product provided in the embodiment of the present application is introduced below.

[0111] According to an embodiment of the present application, a device for implementing the above-mentioned credit limit processing method for financial products is also provided. Figure 5 is a schematic diagram of a credit limit processing device for a financial product provided in an embodiment of the present application, such as Figure 5 As shown, the device comprises:

[0112] The transaction module 501 is used to respond to a transaction request for a target financial product initiated by a user at a branch of a target financial institution, and execute a transaction based on the available credit limit of the target financial institution, wherein the target financial institution concurrently executes different transaction behaviors based on a concurrent parameter, and the concurrent parameter at least includes the number of sub-credits obtained by dispersing the available credit limit and the value of the sub-credit;

[0113] The heat parameter calculation module 502 is used to update the available quota of the target quota node corresponding to the target financial institution after the transaction behavior is executed, and calculate the heat parameter value of the target quota node, wherein the total quota of the target financial product is allocated to the quota nodes corresponding to the financial institutions at each level step by step, and the heat parameter value represents the frequency of using the quota for transactions;

[0114] The concurrency parameter updating module 503 is used to update the concurrency parameter of the target quota node according to the updated available quota and heat parameter value of the target quota node.

[0115] In an embodiment of the present application, in response to a transaction request for a target financial product initiated by a user at a branch of a target financial institution, a transaction behavior is executed based on the available quota of the target financial institution, wherein the target financial institution concurrently executes different transaction behaviors based on a concurrency parameter, and the concurrency parameter at least includes the number of sub-quotas obtained by dispersing the available quota and the value of the sub-quota; after the transaction behavior is executed, the available quota of the target quota node corresponding to the target financial institution is updated, and the heat parameter value of the target quota node is calculated, wherein the total quota of the target financial product is allocated step by step to the quota nodes corresponding to the financial institutions at all levels, and the heat parameter value represents the frequency of using the quota for transactions; the concurrency parameter of the target quota node is updated according to the updated available quota and heat parameter value of the target quota node. By dispersing a single quota into multiple sub-quotas and dynamically adjusting the number of sub-quotas, the purpose of reducing the lock waiting and financial management system performance pressure in concurrent operations is achieved, thereby achieving the technical effect of improving the system response speed and optimizing the user transaction experience in a high-concurrency transaction scenario, thereby solving the problem of financial management system performance bottleneck caused by high-concurrency transactions of hot quotas of financial products in related technologies.

[0116] It should be noted here that the above-mentioned transaction module 501, heat parameter calculation module 502 and concurrent parameter update module 503 correspond to steps S201 to S203 in Example 1, and the three modules and the corresponding steps implement the same examples and application scenarios, but are not limited to the contents disclosed in the above-mentioned Example 1. It should be noted that the above-mentioned modules or units can be hardware components or software components stored in a memory (e.g., memory 104) and processed by one or more processors (e.g., processors 102a, 102b, ..., 102n), and the above-mentioned modules can also be part of the device and can be run in the computer terminal 10 provided in Example 1.

[0117] Optionally, in the credit limit processing device for financial products provided in the embodiment of the present application, the concurrent parameter update module 503 includes: a sub-credit limit number update module, which is used to update the number of sub-credit limits of the target credit limit node according to the relationship between the heat parameter value of the target credit limit node and the heat parameter value threshold; a sub-credit limit value update module, which is used to update the value of the sub-credit limit according to the updated available credit limit of the target credit limit node and the updated number of sub-credit limits.

[0118] Optionally, in the credit limit processing device of the financial product provided in the embodiment of the present application, the sub-credit limit number update module includes a sub-credit limit number increase module, which is used to increase the number of sub-credit limits of the target credit limit node and reset the initial heat value of the sub-credit limit when the heat increase rate is greater than or equal to the upper limit of the heat increase rate; and a sub-credit limit number reduction module, which is used to reduce the number of sub-credit limits of the target credit limit node and reset the initial heat value of the sub-credit limit when the heat increase rate is less than the upper limit of the heat increase rate.

[0119] Optionally, in the credit limit processing device for financial products provided in the embodiment of the present application, the sub-credit limit number update module includes a total heat value calculation module, which is used to calculate the sum of the heat values ​​of all sub-credit limits of the available credit limit of the target financial institution in a preset time period to obtain the total heat value; and a heat increase rate, which is used to calculate the ratio of the total heat value to the length of the preset time period to obtain the heat increase rate.

[0120] Optionally, in the credit limit processing device for financial products provided in the embodiment of the present application, the sub-credit limit number updating module includes a time threshold acquisition module, which is used to obtain the time required for the total heat value of the target credit limit node in the historical time period to grow from the initial heat value to the upper limit of the heat value, and obtain the time threshold; a sub-credit limit number reduction sub-module, which is used to reduce the number of sub-credit limits of the target credit limit node after exceeding the time threshold, if the total heat value of all sub-credit limits of the available credit limit of the target financial institution does not reach the upper limit of the heat value.

[0121] Optionally, in the credit limit processing device for financial products provided in the embodiment of the present application, the transaction module 501 includes: a credit limit node allocation module, used to allocate the total credit limit of the target financial product to credit limit nodes at each level step by step, wherein each level of credit limit nodes includes outlets of financial institutions at different levels; a sub-credit limit setting module, used to disperse the available credit limit of the credit limit node into multiple sub-credit limits for each credit limit node, obtain the number of sub-credit limits and the value of the sub-credit limits, set the initial heat value of the sub-credit limit, and set the heat parameter threshold of the credit limit node.

[0122] Optionally, in the credit limit processing device for financial products provided in the embodiment of the present application, the transaction module 501 includes: a sub-credit limit query module, used to query all sub-credit limits of the available credit limit of the target financial institution to obtain the values ​​of M sub-credit limits, where M is a positive integer; a sub-credit limit selection module, used to use the sub-credit limit with the highest value to execute the transaction when the values ​​of the M sub-credit limits are different; and a sub-credit limit random module, used to randomly select a sub-credit limit to execute the transaction when the values ​​of the M sub-credit limits are the same.

[0123] Example 3

[0124] An embodiment of the present application may provide an electronic device, Figure 6 is a structural block diagram of an electronic device according to an embodiment of the present application. Figure 6 As shown, the electronic device may include: one or more ( Figure 6 (only one is shown) processor 602, memory 604, storage controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0125] Among them, the memory can be used to store software programs and modules, such as program instructions / modules corresponding to the methods and devices in the embodiments of the present application, and the processor executes various functional applications and data processing by running the software programs and modules stored in the memory, that is, realizing the above-mentioned method. The memory may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory may further include a memory remotely arranged relative to the processor, and these remote memories may be connected to the terminal via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0126] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: respond to the transaction request regarding the target financial product initiated by the user at the branch of the target financial institution, and execute the transaction behavior based on the available credit limit of the target financial institution, wherein the target financial institution concurrently executes different transaction behaviors based on the concurrency parameter, and the concurrency parameter at least includes the number of sub-credit limits obtained by dispersing the available credit limit and the value of the sub-credit limit; after the transaction behavior is executed, update the available credit limit of the target credit limit node corresponding to the target financial institution, and calculate the heat parameter value of the target credit limit node, wherein the total credit limit of the target financial product is allocated step by step to the credit limit nodes corresponding to each level of financial institutions, and the heat parameter value represents the frequency of using the credit limit for transactions; update the concurrency parameter of the target credit limit node according to the updated available credit limit and heat parameter value of the target credit limit node.

[0127] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: updating the concurrency parameters of the target quota node according to the updated available quota and heat parameter value of the target quota node, including: updating the number of sub-quotas of the target quota node according to the relationship between the heat parameter value of the target quota node and the heat parameter value threshold; updating the values ​​of the sub-quotas according to the updated available quota of the target quota node and the updated number of sub-quotas.

[0128] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: the heat parameter value includes a heat increase rate that characterizes the growth rate of the number of transactions, and according to the relationship between the heat parameter value of the target quota node and the heat parameter value threshold, updating the number of sub-quotas of the target quota node includes: when the heat increase rate is greater than or equal to the upper limit of the heat increase rate, increasing the number of sub-quotas of the target quota node and resetting the initial heat value of the sub-quotas; when the heat increase rate is less than the upper limit of the heat increase rate, reducing the number of sub-quotas of the target quota node and resetting the initial heat value of the sub-quotas.

[0129] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: the heat parameter value including the heat increase rate is determined in the following way: the sum of the heat values ​​of all sub-limits of the available limit of the target financial institution in a preset time period is calculated to obtain the total heat value; the ratio of the total heat value to the length of the preset time period is calculated to obtain the heat increase rate.

[0130] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: the heat parameter value includes a heat value that characterizes the number of transactions, and according to the relationship between the heat parameter value of the target credit node and the heat parameter value threshold, the number of sub-credits of the target credit node is updated, including: obtaining the time required for the total heat value of the target credit node in the historical time period to grow from the initial heat value to the upper limit of the heat value, and obtaining the time threshold; after exceeding the time threshold, if the total heat value of all sub-credits of the available credit of the target financial institution does not reach the upper limit of the heat value, reducing the number of sub-credits of the target credit node.

[0131] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: before responding to the transaction request for the target financial product initiated by the user at the branch of the target financial institution, the method also includes: allocating the total amount of the target financial product to the credit nodes at each level step by step, wherein the credit nodes at each level include branches of financial institutions at different levels; for each credit node, dispersing the available credit of the credit node into multiple sub-credits, obtaining the number of sub-credits and the values ​​of the sub-credits, setting the initial heat value of the sub-credit, and setting the heat parameter threshold of the credit node.

[0132] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: responding to a transaction request for a target financial product initiated by a user at a branch of a target financial institution, including: querying all sub-limits of the available limit of the target financial institution to obtain the values ​​of M sub-limits, where M is a positive integer; when the values ​​of the M sub-limits are different, using the sub-limit with the highest value to process and execute the transaction; when the values ​​of the M sub-limits are the same, randomly selecting a sub-limit to process and execute the transaction.

[0133] In an embodiment of the present application, in response to a transaction request for a target financial product initiated by a user at a branch of a target financial institution, a transaction behavior is executed based on the available quota of the target financial institution, wherein the target financial institution concurrently executes different transaction behaviors based on a concurrency parameter, and the concurrency parameter at least includes the number of sub-quotas obtained by dispersing the available quota and the value of the sub-quota; after the transaction behavior is executed, the available quota of the target quota node corresponding to the target financial institution is updated, and the heat parameter value of the target quota node is calculated, wherein the total quota of the target financial product is allocated step by step to the quota nodes corresponding to the financial institutions at all levels, and the heat parameter value represents the frequency of using the quota for transactions; the concurrency parameter of the target quota node is updated according to the updated available quota and heat parameter value of the target quota node. By dispersing a single quota into multiple sub-quotas and dynamically adjusting the number of sub-quotas, the purpose of reducing the lock waiting and financial management system performance pressure in concurrent operations is achieved, thereby achieving the technical effect of improving the system response speed and optimizing the user transaction experience in a high-concurrency transaction scenario, thereby solving the problem of financial management system performance bottleneck caused by high-concurrency transactions of hot quotas of financial products in related technologies.

[0134] It can be understood by those skilled in the art that Figure 6 The structure shown is for illustration only, and the electronic device may also be a smart phone, a tablet computer, a PDA, a mobile Internet device (MID), a PAD or other terminal device. Figure 6 The structure of the electronic device is not limited. Figure 6 More or fewer components (such as network interfaces, display devices, etc.) shown in, or having Figure 6 Different configurations are shown.

[0135] A person of ordinary skill in the art can understand that all or part of the steps in the various methods of the above embodiments can be completed by instructing the hardware related to the terminal device through a program, and the program can be stored in a computer-readable storage medium, and the storage medium may include: a flash drive, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0136] Example 4

[0137] The embodiment of the present application further provides a storage medium. Optionally, in this embodiment, the storage medium can be used to store the program code executed by the credit limit processing method of the financial product provided in the first embodiment.

[0138] Optionally, in this embodiment, the above storage medium may be located in any computer terminal in a computer terminal group in a computer network, or in any mobile terminal in a mobile terminal group.

[0139] The present application also provides a computer program product, which, when executed on a data processing device, is suitable for executing the program steps of the method for processing the amount of a financial product.

[0140] The serial numbers of the above-mentioned embodiments of the present application are for description only and do not represent the advantages or disadvantages of the embodiments.

[0141] In the above embodiments of the present application, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, please refer to the relevant description of other embodiments.

[0142] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of the units is only a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0143] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0144] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0145] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application, in essence, or the part that contributes to the prior art or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions to enable a computer device (which can be a personal computer, a server or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, disk or optical disk and other media that can store program codes.

[0146] The above is only a preferred implementation of the present application. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present application. These improvements and modifications should also be regarded as the scope of protection of the present application.

Claims

1. A method for processing the amount of a financial product, characterized in that: Applied to financial management systems, including: In response to a transaction request for a target financial product initiated by a user at a branch of a target financial institution, a transaction behavior is executed based on the available credit limit of the target financial institution, wherein the target financial institution concurrently executes different transaction behaviors based on a concurrency parameter, and the concurrency parameter at least includes the number of sub-credits obtained by dispersing the available credit limit and the value of the sub-credit; After the transaction behavior is executed, the available quota of the target quota node corresponding to the target financial institution is updated, and the heat parameter value of the target quota node is calculated, wherein the total quota of the target financial product is allocated to the quota nodes corresponding to the financial institutions at each level step by step, and the heat parameter value represents the frequency of using the quota for transactions; The concurrency parameter of the target quota node is updated according to the updated available quota of the target quota node and the heat parameter value.

2. The method for processing the amount of a financial product according to claim 1, characterized in that: Updating the concurrency parameter of the target quota node according to the updated available quota of the target quota node and the heat parameter value includes: According to the relationship between the heat parameter value of the target quota node and the heat parameter value threshold, updating the number of sub-quotas of the target quota node; The value of the sub-quota is updated according to the updated available quota of the target quota node and the number of updated sub-quotas.

3. The method for processing the amount of a financial product according to claim 2, characterized in that: The heat parameter value includes a heat increase rate that characterizes the growth rate of the number of transactions. According to the relationship between the heat parameter value of the target limit node and the heat parameter value threshold, updating the number of sub-limits of the target limit node includes: When the heat increase rate is greater than or equal to the upper limit of the heat increase rate, the number of sub-quotas of the target quota node is increased, and the initial heat value of the sub-quotas is reset; When the heat increase rate is less than the upper limit of the heat increase rate, the number of sub-quotas of the target quota node is reduced, and the initial heat value of the sub-quota is reset.

4. The method for processing the amount of a financial product according to claim 3, characterized in that: The heat parameter values ​​including the heat increase rate are determined in the following manner: Calculate the sum of the heat values ​​of all sub-quotas of the available credit limit of the target financial institution in a preset time period to obtain a total heat value; The ratio of the total heat value to the length of the preset time period is calculated to obtain the heat increase rate.

5. The method for processing the amount of a financial product according to claim 2, characterized in that: The heat parameter value includes a heat value representing the number of transactions. According to the relationship between the heat parameter value of the target quota node and the heat parameter value threshold, updating the number of sub-quotas of the target quota node includes: Obtain the time required for the total heat value of the target quota node in the historical time period to grow from the initial heat value to the upper limit of the heat value, and obtain the time threshold; After exceeding the time threshold, if the total heat value of all sub-limits of the available limit of the target financial institution does not reach the heat value upper limit, the number of sub-limits of the target limit node is reduced.

6. The method for processing the amount of a financial product according to claim 1, characterized in that: Before responding to a transaction request for a target financial product initiated by a user at a branch of a target financial institution, the method further includes: Allocating the total amount of the target financial product to various levels of quota nodes step by step, wherein the various levels of quota nodes include outlets of financial institutions of different levels; For each quota node, the available quota of the quota node is dispersed into multiple sub-quotas, the number of sub-quotas and the value of the sub-quotas are obtained, the initial heat value of the sub-quota is set, and the heat parameter threshold of the quota node is set.

7. The method for processing the amount of a financial product according to claim 1, characterized in that: Responding to a transaction request for a target financial product initiated by a user at a branch of a target financial institution includes: Query all sub-credits of the available credit limit of the target financial institution to obtain values ​​of M sub-credits, where M is a positive integer; In the case where the values ​​of the M sub-quotas are different, the sub-quota with the highest value is used to process and execute the transaction behavior; When the values ​​of the M sub-quotas are the same, a sub-quota is randomly selected to process and execute the transaction.

8. A quota processing device for a financial product, characterized in that: Applied to financial management systems, including: A transaction module, configured to respond to a transaction request for a target financial product initiated by a user at a branch of a target financial institution, and execute a transaction based on the available credit limit of the target financial institution, wherein the target financial institution concurrently executes different transaction behaviors based on a concurrent parameter, and the concurrent parameter at least includes the number of sub-credits obtained by dispersing the available credit limit and the value of the sub-credit; A heat parameter calculation module, used to update the available quota of the target quota node corresponding to the target financial institution after the transaction behavior is executed, and calculate the heat parameter value of the target quota node, wherein the total quota of the target financial product is allocated to the quota nodes corresponding to the financial institutions at each level step by step, and the heat parameter value represents the frequency of using the quota for transactions; A concurrent parameter updating module is used to update the concurrent parameter of the target quota node according to the updated available quota of the target quota node and the heat parameter value.

9. A computer program product, characterized in that It includes a non-volatile computer-readable storage medium, wherein the non-volatile computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the credit limit processing method of a financial product according to any one of claims 1 to 7 is implemented.

10. An electronic device comprising a memory and a processor, characterized in that: The memory stores a computer program, and the processor is configured to execute the credit limit processing method of a financial product according to any one of claims 1 to 7 through the computer program.

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