Unified quota management method based on business scene

Abstract

The invention relates to the technical field of finance, and discloses a unified quota management method based on a business scene, and the method comprises the following steps: configuring quota management and control rules, including setting different quota types, quota scenes and quota dimensions; based on the quota management and control rule, allocating the quota of the customer to obtain a combined quota and a single-user quota; in the service issuing process, the quota occupation is calculated and real-time verification is carried out so as to ensure the availability of the quota; performing aging control on the quota to ensure that the validity period of the quota accords with a specified time range; and according to the risk control rule, the customer quota is dynamically adjusted, and the quota use condition is monitored in real time. According to the invention, a multi-dimensional quota management and control technical scheme is adopted, and the quota distribution and use accuracy is ensured through flexible configuration of the quota type, the quota scene and the quota of each dimension. Therefore, the quota distribution is more reasonable and safer, and the problem that single-dimensional management and control cannot deal with complex business scenes is avoided.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular to a unified quota management method based on a business scenario. Background Art

[0002] With the continuous development of the financial industry, traditional credit management systems have shown obvious limitations in dealing with increasingly complex customer needs and market environments. Traditional credit management methods usually rely on fixed rules and static configurations, and fail to fully consider the multi-dimensional risk factors of customers and changes in market dynamics. Most credit management systems in the existing technology use simple credit scores as the only basis for credit allocation, lacking comprehensive assessment and real-time adjustment of factors such as risk, timeliness and market environment, resulting in low credit management efficiency and poor flexibility.

[0003] Most existing credit management systems allocate credit limits based on a single credit score or a simple risk assessment model. Although credit scores can reflect the basic credit status of customers, they often ignore other important risk factors, such as the value of collateral, industry risks, and market environment. In complex business scenarios, allocating credit limits based solely on credit scores can easily lead to credit limits that do not meet the actual needs and risk tolerance of customers. Credit management systems that lack a flexible adjustment mechanism cannot effectively respond to market changes and customer credit fluctuations, and can easily lead to problems such as over-credit or credit abuse. To this end, technicians in this field propose a unified credit limit management method based on business scenarios to solve the above problems. Summary of the invention

[0004] In view of the deficiencies of the prior art, the present invention provides a unified credit limit management method based on business scenarios, which solves the problem that most existing credit limit management systems allocate credit limits based on a single credit score or a simple risk assessment model.

[0005] To achieve the above objectives, the present invention is implemented through the following technical solutions: a unified quota management method based on a business scenario, comprising the following steps: Configure quota control rules, including setting different quota types, quota scenarios, and limit dimensions; Based on the quota control rules, the customer's quota is allocated to obtain a combined quota and a single-household quota; During the service issuance process, the quota usage is calculated and verified in real time to ensure the availability of the quota; Conduct time control on the quota to ensure that the validity period of the quota is within the prescribed time frame; Dynamically adjust customer credit limits and monitor credit limit usage in real time based on risk control rules; After the business is completed, the used credit limit is released and the customer credit limit information is updated.

[0006] Preferably, the quota control rules include a combined quota and a single household quota: The combination limit is set based on multiple dimensions, including institutional, product, regional, and industry dimensions; The single-household limit is controlled based on multiple dimensions such as guarantee method, currency, term, and product.

[0007] Preferably, the combined limit is calculated in the following manner: Set a weight for each dimension and calculate the amount under each dimension based on the set weight; Perform weighted synthesis on multiple dimensions to obtain the final combined limit.

[0008] Preferably, the allocation of the credit limit is dynamically adjusted based on the customer's credit rating, business needs, and guarantee method factors to ensure that the customer's maximum credit limit and available credit limit are consistent.

[0009] Preferably, the calculation of the occupied credit limit includes consideration of the exchange rate and low-risk collateral, and the occupied credit limit value is updated in real time for subsequent credit limit usage verification.

[0010] Preferably, the time control step includes real-time verification of the validity period of the credit limit, and automatically freezing or recovering the credit limit when it expires, and the customer must use the credit limit within a specified time after the credit limit is approved.

[0011] Preferably, the risk control rules include calculating the customer's risk limit based on the customer's credit rating, business risk, and guarantee method dimensions, and dynamically adjusting the quota allocation.

[0012] Preferably, the calculation formula of the risk limit includes performing weighted calculation on the credit data and risk factors of each customer to obtain the final risk limit.

[0013] Preferably, the step of releasing the used credit limit includes that after the customer repays on time or the business is completed, the system automatically releases the occupied credit limit and updates the credit limit information to the available credit limit.

[0014] A unified quota management system based on business scenarios, including: The quota control configuration module is used to configure the quota type, quota scenario and limit dimension; The quota allocation module is used to allocate customers' quotas based on quota management rules and calculate the combined limit and single-household limit; the quota occupancy and verification module is used to calculate the quota occupancy and perform real-time verification during the service issuance process; The credit limit validity control module is used to verify the validity period of the credit limit and ensure that the credit limit is used within the specified time range; The risk limit control module is used to dynamically adjust the quota according to risk rules and monitor the use of the quota; The credit limit release and information update module is used to release the occupied credit limit and update the customer credit limit information.

[0015] The present invention provides a unified quota management method based on business scenarios. It has the following beneficial effects: 1. The present invention adopts a multi-dimensional quota control technology solution, and ensures the accuracy of quota allocation and use through flexible configuration of quota type, quota scenario and quota limits of each dimension. Compared with the prior art that only manages customer quotas through simple quota allocation rules, the present invention makes quota allocation more reasonable and safe through comprehensive consideration of multiple dimensions, avoiding the problem that single-dimensional control cannot cope with complex business scenarios.

[0016] 2. The present invention adopts a dynamic risk limit control technology solution to monitor the customer's credit status, market environment and industry changes in real time, and dynamically adjust the credit limit to ensure that the credit limit is always within the controllable risk range. Unlike the prior art that only relies on static credit limit settings, the present invention can respond based on real-time data, reducing the financial risks caused by market fluctuations or changes in customer credit.

[0017] 3. The present invention uses a credit limit time control technology solution to automatically recover or freeze the credit limit when the credit limit is not used in time or the customer fails to repay on time, thereby ensuring the liquidity of funds and the efficiency of credit limit use. Compared with the traditional technology that lacks strict time control of credit limit management, the present invention avoids the long-term idleness or expiration of credit limits, improves the efficiency of credit limit use, and reduces unnecessary waste of funds.

[0018] 4. The present invention adopts a precise quota occupancy and verification technology solution, which avoids quota abuse and over-use by real-time verification of the quota availability and compliance. Compared with the practice in the prior art that quotas are often not strictly verified after application, the present invention ensures the transparency of quota management and the security of fund use through precise occupancy calculation and compliance verification. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] Figure 1 Schematic diagram of the method of the present invention Figure 2 It is a schematic diagram of the system architecture of the present invention. DETAILED DESCRIPTION

[0020] The following will be combined with the drawings in the specification 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.

[0021] Please refer to the attached Figure 1 An embodiment of the present invention provides a unified quota management method based on a business scenario, including: S1, configuring quota control rules, including setting different quota types, quota scenarios and limit dimensions.

[0022] Specifically, the quota control configuration ensures that the system can flexibly adjust the various dimensions of quota control according to different business scenarios, customer types and market demands. The quota control configuration is the basis of the entire quota management system, and directly affects subsequent quota allocation, occupancy calculation and risk control operations. Therefore, reasonable and accurate quota control configuration is the key to achieving efficient quota management.

[0023] The steps of quota control configuration mainly include setting the quota type, configuring the quota scenario, and selecting and setting the limit dimension. This process can support the diversified quota needs of customers by configuring different dimensions and ensure the reasonable allocation of quotas in different business scenarios.

[0024] The credit limit control configuration step requires selecting the appropriate credit limit type and setting the credit limit scenario based on different business needs, customer credit, collateral and other information. Credit limit types may include maximum credit limit, single household limit, combined limit, etc. Credit limit scenarios are configured according to the scenario requirements in actual business, such as loans, credit cards, consumer loans, etc., and different credit limit management rules are configured.

[0025] In certain specific embodiments, the system may also support dynamic adjustment of credit line types or credit line scenario configurations. For example, when a customer's credit status changes, the system may automatically adjust their credit line type from a lower credit line category to a higher credit line category to meet their new credit level and business needs.

[0026] The first step in credit control configuration is to set a basic credit limit for each type of customer. For example, the maximum credit limit is usually set as the customer's maximum credit limit in all dimensions. The combined limit is a limit set based on multiple dimensions (such as institutions, products, industries, regions, etc.) to control the customer's credit limit in a specific dimension. The single-household limit pays more attention to the specific needs and conditions of each customer, and manages the credit limit in a refined manner through dimensions such as guarantee methods, currencies, and terms.

[0027] For each quota type, the system will configure the corresponding limit dimension according to business needs. These limit dimensions include but are not limited to the institution dimension, product dimension, region dimension, industry dimension, etc. The configuration of each dimension can be adjusted according to different business needs.

[0028] For example, the institutional dimension can set different limits according to the quota management rules of different institutions. For example, banks or financial institutions can set different quota standards for their customer groups. The product dimension refers to the quota configuration rules between different financial products (such as consumer loans, credit cards, etc.).

[0029] For credit limit scenario configuration, the system can configure different credit limit management rules according to different business scenarios (such as loan application, credit card issuance, installment payment, etc.). Specifically, loan scenarios may require a higher credit limit, while credit cards may require a relatively low credit limit. Through scenario configuration, the system can flexibly configure the credit limit type and size according to the customer's business needs.

[0030] For some special types of customers or businesses (such as customers in specific industries or high-risk businesses), the system can also configure special credit limits for them. These limits may exceed the normal limit under certain conditions and require separate limit control.

[0031] The configuration of combined limit and single household limit can also complement each other. For example, a customer's combined limit may be set to 1 million yuan, while the single household limit can be set to 500,000 yuan based on the customer's actual needs and risk assessment. At this time, the customer can only use the credit limit within the scope of the combined limit and is subject to the constraints of the single household limit.

[0032] In addition, each credit limit dimension can be adjusted based on multiple business factors, such as the customer's credit rating, repayment history, value of collateral, etc. In some cases, the system will dynamically adjust the credit limit configuration to ensure that the customer's credit limit at any given point in time can be precisely controlled according to actual conditions.

[0033] During the credit limit configuration stage, the system also needs to set a reasonable upper and lower limit. The upper limit refers to the maximum amount that a customer can obtain without special circumstances or risk warnings; the lower limit refers to the minimum amount that the system can configure for a customer under the most basic credit requirements. The setting of the upper and lower limits of the credit limit is usually based on the customer's credit history, market demand and the risk preference of the enterprise.

[0034] For some specific situations, such as high-risk customers, the system will automatically reduce their upper limit and increase the control of the lower limit. Conversely, for customers with good credit, the system will increase the upper limit to support their greater business needs. Such dynamic adjustments ensure the flexibility of credit configuration while avoiding the risk of credit abuse.

[0035] This step also involves setting up approval processes and approval permissions for each credit line type. These approval permissions can be allocated based on different roles and responsibilities within the organization. For example, some high-limit credits may need to be reviewed by senior management or a dedicated approval team. The system will automatically determine whether manual approval is required based on the set credit line rules, and will provide corresponding prompts and authorizations.

[0036] Based on these configurations, the system can effectively allocate quotas and make real-time adjustments, thereby providing customers with flexible quota usage space while avoiding insufficient or excessive quota allocation.

[0037] S2. Based on the quota control rules, the customer's quota is allocated to obtain a combined quota and a single-household quota.

[0038] Specifically, after completing the quota control configuration, the system will allocate appropriate quotas to each customer or business scenario based on the previously configured quota types, quota scenarios, and various limit dimensions. Quota allocation not only needs to be based on the actual needs of the customer, but also needs to consider multiple factors such as the customer's credit score, historical data, and market conditions. This step plays a vital role in the system because it directly determines the quota that a customer can use at a certain point in time.

[0039] The quota allocation and adjustment are based on the rules set by the quota control configuration module. First, the system calculates the initial quota for the customer based on the set quota type and quota scenario, combined with the customer's basic information and credit assessment data. The quota allocation process not only takes into account the customer's credit rating, but also other factors, such as the guarantee method, the customer's industry category, and the characteristics of the loan product. Through model calculation, the system can obtain an accurate quota allocation result.

[0040] The calculation of credit limit allocation is determined by combining multiple factors. The system first analyzes factors such as the customer's credit history, income level, and the value of the collateral, and then matches them with the existing credit limit control rules. Based on these analysis results, the system can calculate a preliminary credit limit value.

[0041] The system can also dynamically adjust the credit limit based on market conditions or risk assessment results. For example, when there is a large-scale market fluctuation, the system may adjust the customer's credit limit based on the external economic environment, or recalculate the credit limit based on the customer's latest credit changes.

[0042] Credit limit allocation is not just a simple weighted summation process, but needs to be dynamically adjusted according to the actual situation of each dimension. For example, when a customer has a high credit score, the system will give priority to allocating a higher credit limit to him; but if the customer has risks in certain specific scenarios (for example, insufficient collateral), the system may reduce the credit limit allocation accordingly.

[0043] For each type of credit limit, the system uses different algorithms to determine the allocation method. For example, the allocation of the maximum credit limit is usually based on the customer's credit rating and the value of the available collateral. For combined credit limits, the system will allocate credit limits based on multiple dimensions (such as institutions, products, regions, etc.) and perform weighted calculations. The allocation formula for combined limits is as follows: L c =f(L i ,L p ,L r ,L h ,…) Where: L c Indicates the combined limit; L i Indicates the amount of the institution dimension; L p Indicates the amount of the product dimension; L r Indicates the amount in the regional dimension; L h It represents the amount in the industry dimension; other dimensions (such as customer type dimension, guarantee method dimension, etc.) are also involved.

[0044] The system uses function f to calculate the final combined limit based on the specific situation of the customer. The amount of each dimension will be weighted according to its importance and weight to ensure that the allocated amount meets the customer's actual situation and needs.

[0045] The system also allows for fine-grained adjustments to allocated credit limits for specific business needs. For example, when a customer applies for a specific product, the system may adjust the credit limit allocation based on the risk level or return of the product. For example, certain high-risk loan products may require that the customer's credit limit be strictly limited within a certain range.

[0046] For the single-household limit, the system will further adjust the limit based on the customer's personal situation. The single-household limit is usually controlled by multiple factors such as guarantee method, currency, term, product, etc. to ensure that the customer does not exceed the set limit when using the limit. For example, a customer may only be able to obtain a lower limit in a certain currency, but a higher limit in another currency. The formula for the single-household limit is as follows: L u =g(L m ,L b ,L t ,L f ,Li ,…) Where: L u Indicates the single-household limit; L m Indicates the amount of guarantee method dimension; L b Indicates the amount in the currency dimension; L t Indicates the amount invested in the industry dimension; L f Indicates the amount in the term dimension; other dimensions (such as limit dimension, product dimension, etc.) are also involved.

[0047] The system calculates the customer's single-household limit in each dimension through function g and ensures that its quota allocation is in line with the comprehensive evaluation results.

[0048] The system will also dynamically adjust the allocated credit limit in real time based on the customer's credit history, repayment ability and other data. For example, when a customer's credit score rises, the system will automatically increase their credit limit; and when a customer's debt level rises or the value of the collateral decreases, the system will reduce their available credit limit accordingly.

[0049] For example, when a customer applies for multiple products, the system will use the model to reasonably allocate the quota for each product. For example, when a customer applies for a quota on multiple products such as loans and credit cards, the system will comprehensively calculate the quota requirements for each product to ensure that the quota allocation for each product is in line with the customer's overall credit status and risk control strategy.

[0050] The ultimate goal of this step is to ensure that each customer can obtain reasonable and compliant credit limits in different business scenarios to avoid credit limit abuse and financial risks.

[0051] S3. During the service issuance process, the quota usage is calculated and verified in real time to ensure the availability of the quota.

[0052] Specifically, after completing the quota allocation and adjustment, the system enters the quota occupancy and real-time verification step, which is a key link in the entire quota management process. By real-time monitoring and accurate calculation of the customer's quota occupancy, the system can ensure that the customer does not exceed his available quota when using the quota, and conduct compliance verification when the quota is occupied, thereby reducing the risk of quota abuse. This process is directly related to subsequent quota management, fund allocation and risk control functions.

[0053] The calculation and verification of credit limit usage is initiated when the customer applies for credit limit. First, the system makes a preliminary calculation of credit limit usage based on the customer's credit limit application and the current available credit limit. The system takes into account multiple factors, including the customer's application credit limit, the credit limit already occupied, the credit limit type, the value of the available collateral, and the exchange rate. With these data, the system can accurately assess the customer's credit limit usage and make corresponding judgments based on this.

[0054] When a customer applies for a certain credit limit, the system will first check the current credit limit status of the customer, especially the allocated credit limit and the occupied credit limit. The system will compare it with the customer's available credit limit to determine whether the customer has enough credit limit to meet the current demand. Especially under multi-dimensional credit limit control, the system will simultaneously check the credit limit usage in multiple dimensions to ensure that no set credit limit is violated.

[0055] The system may set additional credit limit verification rules to deal with special business scenarios. For example, for some high-risk customers, the system may set stricter credit limit when applying for credit, or require customers to provide more collateral. In this case, the system will calculate the customer's credit limit in real time and verify it in combination with the collateral provided by the customer.

[0056] In the process of calculating the credit limit, the system will perform weighted processing according to the specific rules of each dimension. For example, if the credit limit applied by the customer involves different currencies, the system will consider the impact of the exchange rate and calculate the credit limit according to the current exchange rate. Assuming that a customer applies for a credit limit of RMB 1 million, but his collateral is EUR 500,000, the system will calculate the actual available credit limit based on the exchange rate between EUR and RMB.

[0057] The calculation formula for the quota usage is as follows: L o =L b ExchangeRate-L r Where: L o Indicates the customer's credit limit usage; L b Indicates the amount of credit applied by the customer; ExchangeRate is the current exchange rate; L r Indicates the amount of low-risk collateral (if any).

[0058] Through this formula, the system can accurately calculate the actual amount of credit used by the customer. In particular, if the customer submits collateral, the system will dynamically adjust the amount of credit used based on the type, value and risk assessment of the collateral. If the value of the collateral is low, the system may reduce the actual amount of credit used.

[0059] The verification of credit limit usage is not only based on the calculation of credit limit, but also requires compliance check of credit limit based on multiple dimensions. The system will determine whether the credit limit applied by the customer meets all preset limit conditions, and check whether there is a risk of exceeding the credit limit, combined credit limit, single-household credit limit, etc. Specifically, when the customer's credit limit request exceeds its current available credit limit, the system will automatically block the credit limit request and give a warning prompt.

[0060] If the credit limit requested by a customer exceeds the current combined limit or single-household limit, the system will automatically trigger an alarm and require a re-evaluation of the credit limit request. The system will conduct a comprehensive analysis of the customer's credit score, debt situation, credit history and other data to ensure the compliance of the credit limit request.

[0061] The system can also set different credit limit verification strategies according to different business types. For example, in loan business, it may be necessary to conduct a more stringent review of the customer's repayment ability and collateral; while in consumer credit, the system may mainly verify the credit limit based on the customer's credit score and historical repayment record.

[0062] The system will perform real-time verification after the quota utilization calculation to ensure that the quota application does not exceed the set limit. Through this verification step, the system can effectively prevent customers from applying for excessively high quotas without meeting the conditions, thereby reducing the financial risks of enterprises.

[0063] In addition, the system may also monitor the customer's credit limit usage in real time. If the customer's credit limit is used too quickly, the system can automatically adjust the credit limit according to the preset rules to reduce the risk of over-use of the credit limit. The system will make corresponding credit limit adjustments based on factors such as the customer's usage pattern and market environment to ensure the efficiency and security of credit limit management.

[0064] S4. Carry out time control on the credit limit to ensure that the validity period of the credit limit is within the prescribed time range.

[0065] Specifically, after completing the quota occupation and real-time verification, the system will enter the quota time control step, which is another key link to ensure the efficient operation of the quota management system. The quota time control is designed to ensure that each quota is reasonably used within the prescribed validity period, and to recover or freeze the quota in a timely manner after the validity period expires. This step is closely connected with the previous steps such as quota allocation and quota occupation, and prevents quota abuse or idle funds by controlling the validity period of the quota.

[0066] The core of credit limit time control is to ensure that the credit limit is used within a certain period of time after the customer obtains it, and to automatically reclaim or freeze the credit limit when it is not used after the expiration date. This process is achieved through the preset credit limit period, and the system will strictly manage the start time and expiration time of each credit limit item. The credit limit of each customer or business scenario has a clear validity period to ensure that it is used or settled within the specified time.

[0067] The validity period of the credit limit is set by the credit limit configuration module and is usually determined based on the period of time when the customer applies for the credit limit and the nature of the business. For example, a loan credit limit usually has a longer validity period, while a credit card or consumer credit credit limit may have a shorter validity period. Specifically, the expiration date of the credit limit is set during the credit limit configuration stage, and the customer needs to use the credit limit within this period of time.

[0068] The system allows for dynamic adjustment of the credit limit validity period based on the needs of different customer groups. For example, for some high-quality customers, the system may appropriately extend the credit limit validity period to support their long-term business needs. On the contrary, for high-risk customers or specific business scenarios, the credit limit validity period will be shorter, and the credit limit will be frozen immediately after expiration to ensure rapid recovery of funds.

[0069] The system automatically calculates and tracks the validity period of the credit limit by checking the start date and expiration date of each credit limit item. The system will monitor all credit limit items in real time to ensure that they are automatically recovered or frozen when the credit limit expires, avoiding long-term idleness of the credit limit. The formula is: T s ≤T e And T s ≥T a Where: T s Indicates the credit start date; T e Indicates the credit expiration date; T a Indicates the credit approval date.

[0070] This formula ensures that the validity period of the quota always complies with the time range set by the system. When the quota expires, the system automatically checks whether the quota item is still within the validity period and performs freezing or recovery operations according to the validity period management rules.

[0071] The system also provides a flexible credit line renewal mechanism. In some cases, if the customer's credit status has not changed significantly and the customer needs to continue to use the credit line, the system can remind the customer to renew before the credit line expires. After the customer renews, the validity period of the credit line will be reset, and the system will update the expiration date of the credit line and continue to track and manage it.

[0072] The system also allows for temporary extensions of certain credit limit items. For example, in a loan business, if a customer is unable to repay on time for some reason and the customer's credit status is good, the system can extend the validity period of the credit limit after review. This mechanism can be dynamically adjusted based on the customer's repayment history, collateral status, and other evaluation factors.

[0073] For businesses with strict time limits, such as credit cards and consumer loans, the control of the credit limit validity period is particularly important. The system will monitor in real time to ensure that the use of each credit limit complies with the time limit. If the customer does not use the credit limit within the specified time, the system will automatically mark the credit limit as expired and freeze it to avoid wasting credit resources.

[0074] In order to prevent the credit limit from being over-occupied or occupied for a long time, the system will set the credit limit "expiration processing" rule. That is, when the credit limit is about to expire and the customer has not used it, the system will remind the customer to use the credit limit, or automatically recover the credit limit. This function helps to improve the liquidity of the credit limit and improve the efficiency of fund use.

[0075] For combined credit limits and single-account credit limits, the system will track the validity periods of these credit limits separately. For example, a customer's combined credit limit includes multiple sub-credit limits, and each sub-credit limit may have a different validity period. The system will dynamically adjust the combined credit limit usage strategy based on the start date and expiration date of each sub-credit limit to ensure that the customer's credit limit within the combined credit limit will not expire.

[0076] The validity period of the credit limit can also be adjusted through manual intervention in specific business scenarios. For example, when abnormal market fluctuations occur, the system can provide the option of manually adjusting the validity period of the credit limit to ensure the flexibility and security of the credit limit.

[0077] S5. Dynamically adjust customer credit limits and monitor credit limit usage in real time based on risk control rules.

[0078] Specifically, after completing the steps of quota allocation, quota occupancy and verification, and quota time control, the system enters the risk limit control stage. The risk limit control step is a key step in the quota management method of the present invention. It dynamically adjusts the quota by real-time monitoring of the customer's credit status, market environment and other external factors to ensure that the quota management is always within the controllable risk range. This process effectively avoids the abuse of quotas or excessive concentration of risks caused by external factors such as market fluctuations and changes in customer credit.

[0079] Risk limit control is a dynamic adjustment process. The system will adjust the credit limit usage according to the risk assessment of different customers. Risk limit control not only depends on the customer's credit score, but also takes into account the customer's historical transaction behavior, industry category, market environment and other multi-dimensional data. With this information, the system can adjust the customer's credit limit in real time to ensure the safety of the company's funds.

[0080] The core goal of risk limit control is to dynamically adjust the credit limit of the customer according to the risk level of the customer. The results of risk assessment will directly affect the adjustment and use of the credit limit. When the risk level of the customer increases, the system will automatically reduce the available credit limit; when the risk level of the customer decreases, the system may increase the credit limit to support its further development. This dynamic adjustment mechanism ensures that the allocation of credit limit is always within the controllable risk range in the event of market changes or changes in customer risk.

[0081] Risk limit control can also be adjusted in conjunction with changes in the external market environment. For example, if a certain industry experiences large fluctuations, the system will adjust the credit limit of customers in that industry based on changes in industry risk to ensure that overall risk is controllable. If a large-scale credit crisis occurs in the market, the system may moderately reduce the credit limit of all customers based on the overall market risk assessment to avoid excessive exposure to high-risk businesses.

[0082] During the risk limit control process, the system will calculate the customer's risk limit based on factors such as the customer's credit rating, historical repayment record, and the value of the collateral. Risk limit control is calculated using the following formula: L r =RiskFactor(L i ,L c ,L t ) Where: L r Indicates the risk limit of the customer; L i Indicates the customer's credit rating or historical repayment record; L c Indicates the customer's industry type or current economic situation; L t Indicates the value of the customer's collateral or other collateral information.

[0083] The system evaluates these factors, calculates a suitable risk limit, and applies it to the customer's credit allocation. This process is dynamically adjusted based on real-time data to ensure the rationality and security of credit allocation.

[0084] Risk limit control is not just a single-dimensional adjustment, but a multi-dimensional comprehensive assessment. The system will combine multiple aspects of information such as the customer's credit score, market conditions, and collateral through a risk factor algorithm to achieve accurate credit limit control. For example, if a customer's credit score is A, but the risk assessment of his collateral is high, the system will lower the customer's risk limit to reduce the risk exposure of the company's funds.

[0085] The adjustment of risk limit control may also involve industry-level control. Assuming that a certain industry is currently facing greater market risks, the system will reduce the risk limit of all customers in the industry. Specifically, the system will uniformly adjust the credit limit of customers in the industry based on the overall risk situation of the industry, and this adjustment will be reflected in the customer's credit limit allocation and risk assessment.

[0086] The system can also set up instant adjustments to risk limits. For example, when the market fluctuates significantly, the system can monitor market changes in real time and re-evaluate all ongoing quota applications. In this case, the system may suspend the application of some quotas or adjust the allocation of quotas to ensure that the risk does not exceed the acceptable range.

[0087] The control of risk limits does not only rely on internal data, but can also be adjusted in combination with external factors. For example, the system can combine data from external credit rating agencies, industry risk reports, economic indicators, etc. to further assess the customer's credit risk and dynamically adjust its credit limit based on the assessment results. Through the combination of these external data, the accuracy and real-time nature of risk limit control are enhanced.

[0088] S6. After the business is completed, the used credit limit is released and the customer credit limit information is updated.

[0089] Specifically, after completing the steps of quota allocation, occupation and verification, time control and risk limit control, the system enters the step of quota release and information update. This step is a key part of the entire quota management process. It ensures that the customer's quota can be released and the information can be updated in time when the quota is used up, repayment or other relevant conditions are met. Through this process, the quota management system can ensure the liquidity of the quota and the accuracy of the update, and avoid idle funds or incorrect quota allocation.

[0090] The credit limit release and information update step mainly involves two operations: one is to release the used credit limit, and the other is to update the customer's credit limit information. The credit limit release process usually occurs when the customer pays off the debt, completes the repayment, the credit limit expires, or other conditions are met. At the same time, the system automatically updates the customer's credit limit information to ensure that all changes are reflected in the system.

[0091] The release of a customer's credit limit usually depends on their repayment status or business completion status. For example, in a loan scenario, when a customer repays the loan principal and interest on time, the system will automatically confirm that the customer's credit limit has been restored to available credit limit and release it. Similarly, for credit cards or consumer credit products, when a customer completes partial or full repayment, the system will gradually release their credit limit based on the repayment progress.

[0092] The system may also support determining the priority of credit limit release based on the customer's credit record or historical repayment behavior. For example, if the customer has a history of overdue payments in the past, the system may need more repayment information to fully release the credit limit. In this case, the system may release the credit limit in installments to ensure that the customer's use of funds is consistent with the actual credit status.

[0093] The process of releasing the credit limit is carried out through an automated system. When the customer's debt is fully repaid or the credit limit expires, the system will release it through the following steps: First, the system verifies the customer's repayment status and checks whether the credit limit item meets the release conditions. Then, the system automatically restores the credit limit to available credit and notifies the customer of the credit limit update.

[0094] The formula for releasing the quota is as follows: L r =L c -L u Where: L r Indicates the amount released; L c Indicates the total amount of the customer; L u Indicates the amount of credit that has been used.

[0095] Through the above formula, the system calculates the released credit limit and restores it to the available credit limit for the customer to use again.

[0096] The mechanism for releasing the credit limit is time-based. For example, in a loan business, the credit limit release may be linked to the timetable of the repayment plan. After the customer repays on time, the system will release the credit limit in stages according to the repayment progress. For installment repayments, the system will release the corresponding credit limit to the customer's account on schedule.

[0097] The system can also dynamically adjust the credit limit release strategy based on the customer's risk assessment results. For example, if a customer's credit status deteriorates, the system may delay the release of its credit limit or even partially freeze its credit limit until the customer's credit status returns to an acceptable range. This mechanism helps reduce risks in credit limit management and ensure the safety of corporate funds.

[0098] After the credit limit is released, the system will automatically update the customer's credit limit information. This includes the customer's current available credit limit, occupied credit limit, total credit limit, etc. This data will be updated in real time and used by the system when the customer applies for credit limit or performs other operations.

[0099] The process of updating the credit limit information is usually automated. When the system releases the credit limit, the relevant data will be reflected in the system database in real time to ensure the accuracy and update of the credit limit information. Customers can check their credit limit usage in real time through online channels to obtain the latest fund status.

[0100] The system may also provide a historical query function for credit limit information so that customers or managers can view credit limit changes within a specific time period. The system provides a transparent credit limit management process through log records and data query interfaces, and ensures the traceability and compliance of credit limit changes.

[0101] For the operations of credit limit release and information update, the system may also send timely notifications to customers through SMS, email or APP notifications to inform them of credit limit changes. These notifications are not limited to credit limit release, but also include other information updates such as credit limit freeze and credit limit adjustment to ensure that customers can understand the use of funds in their accounts in a timely manner.

[0102] A unified credit limit management system based on a business scenario described below and a unified credit limit management method based on a business scenario described above can refer to each other.

[0103] Please see attached Figure 2 , a unified quota management system based on business scenarios, including: The quota control configuration module is used to configure the quota type, quota scenario and limit dimension; The quota allocation module is used to allocate customers' quotas based on quota management rules and calculate the combined limit and single-household limit; the quota occupancy and verification module is used to calculate the quota occupancy and perform real-time verification during the service issuance process; The credit limit validity control module is used to verify the validity period of the credit limit and ensure that the credit limit is used within the specified time range; The risk limit control module is used to dynamically adjust the quota according to risk rules and monitor the use of the quota; The credit limit release and information update module is used to release the occupied credit limit and update the customer credit limit information.

[0104] Specifically, the credit limit control configuration module is responsible for configuring all credit limit management rules in the system. It allows users to define different credit limit types (such as maximum credit limit, single household credit limit, combined credit limit, etc.), and configure corresponding limit dimensions for each credit limit type (such as institutional dimension, product dimension, regional dimension, etc.). The credit limit control configuration module is the core module of the system, providing the basis for subsequent credit limit allocation, occupation, release and other operations.

[0105] The quota allocation module allocates appropriate quotas to each customer or business scenario based on the quota control rules set by the system, customer credit data and other relevant information. This module ensures the rationality and compliance of quota allocation through model calculation. Based on factors such as the customer's credit status, industry type, product demand, etc., the system automatically allocates quotas and ensures that the quotas meet risk control requirements.

[0106] The credit limit occupancy and verification module is responsible for calculating the credit limit occupancy of the customer's application and performing real-time verification. The system will check whether the customer's credit limit application exceeds the available credit limit and verify whether it complies with the set credit limit control rules. This module ensures that the use of credit limits complies with various regulations and prevents credit limit abuse or overuse.

[0107] The credit limit time control module is responsible for managing the validity period of each credit limit. The system will control the use of the credit limit based on the credit start date and expiration date, and recover or freeze the credit limit in time after it expires. This module ensures that the use of the credit limit is reasonably managed within the specified time to avoid idle funds or abuse of expired credit limits.

[0108] The risk limit control module dynamically adjusts the credit limit by real-time monitoring of the customer's credit status, market changes and other external factors. The system adjusts the upper or lower limit of the credit limit based on the customer's risk assessment results to ensure that the credit limit management is always within a controllable risk range. The risk limit control module can flexibly adjust the credit limit allocation according to market fluctuations or changes in customer credit to ensure the safety of funds.

[0109] The credit limit release and information update module is responsible for timely releasing credit limits and updating relevant credit limit information after the customer repays or completes the credit limit use. This module ensures that the credit limit data in the system always reflects the customer's actual financial status, and updates the customer's available credit limit after the credit limit is released, ensuring fund liquidity and transparency.

[0110] Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that various changes, modifications, substitutions and variations may be made to the embodiments without departing from the principles and spirit of the present invention, and that the scope of the present invention is defined by the appended claims and their equivalents.

Claims

1. A unified quota management method based on business scenarios, characterized in that: The following steps are involved: Configure quota control rules, including setting different quota types, quota scenarios, and limit dimensions; Based on the quota control rules, the customer's quota is allocated to obtain a combined quota and a single-household quota; During the service issuance process, the quota usage is calculated and verified in real time to ensure the availability of the quota; Conduct time control on the quota to ensure that the validity period of the quota is within the prescribed time frame; Dynamically adjust customer credit limits and monitor credit limit usage in real time based on risk control rules; After the business is completed, the used credit limit is released and the customer credit limit information is updated.

2. According to claim 1, a unified quota management method based on business scenarios is characterized in that: The quota control rules include combined quota and single household quota: The combination limit is set based on multiple dimensions, including institutional, product, regional, and industry dimensions; The single-household limit is controlled based on multiple dimensions such as guarantee method, currency, term, and product.

3. A unified quota management method based on business scenarios according to claim 2, characterized in that: The combined limit is calculated as follows: Set a weight for each dimension and calculate the amount under each dimension based on the set weight; Perform weighted synthesis on multiple dimensions to obtain the final combined limit.

4. According to the unified quota management method based on business scenarios in claim 1, it is characterized in that: The allocation of the credit limit is dynamically adjusted based on the customer's credit rating, business needs, and guarantee method to ensure that the customer's maximum credit limit is consistent with the available credit limit.

5. According to the unified quota management method based on business scenarios in claim 1, it is characterized in that: The calculation of the occupied quota includes consideration of the exchange rate and low-risk collateral, and the occupied quota value is updated in real time for subsequent quota usage verification.

6. A unified quota management method based on business scenarios according to claim 1, characterized in that: The time control step includes real-time verification of the validity period of the credit limit, and automatically freezing or recovering the credit limit when it expires, and the customer must use the credit limit within the specified time after the credit limit is approved.

7. A unified quota management method based on business scenarios according to claim 1, characterized in that: The risk control rules include calculating the customer's risk limit based on the customer's credit rating, business risk, and guarantee method, and dynamically adjusting the quota allocation.

8. A unified quota management method based on business scenarios according to claim 7, characterized in that: The calculation formula of the risk limit includes weighted calculation of each customer's credit data and risk factors to obtain the final risk limit.

9. A unified quota management method based on business scenarios according to claim 1, characterized in that: The step of releasing the used credit limit includes that after the customer repays on time or the business is completed, the system automatically releases the occupied credit limit and updates the credit limit information to the available credit limit.

10. A unified credit limit management system based on business scenarios, applied to a unified credit limit management method based on business scenarios as claimed in any one of claims 1 to 9, characterized in that: include: The quota control configuration module is used to configure the quota type, quota scenario and limit dimension; The quota allocation module is used to allocate customers' quotas based on quota management rules and calculate the combined quota and single-household quota; The quota occupancy and verification module is used to calculate the quota occupancy and perform real-time verification during the business issuance process; The credit limit validity control module is used to verify the validity period of the credit limit and ensure that the credit limit is used within the specified time range; The risk limit control module is used to dynamically adjust the quota according to risk rules and monitor the use of the quota; The credit limit release and information update module is used to release the occupied credit limit and update the customer credit limit information.

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