Risk customer transfer quota adjustment method and device, equipment, medium and product

Abstract

The invention discloses a risky customer transfer quota adjustment method, device, equipment, medium and product, relates to the technical field of artificial intelligence, can be applied to the financial science and technology field, and comprises the steps of determining a target management and control mode corresponding to a target risky customer according to risk label information of the target risky customer at the current moment; wherein the risk label information comprises a current location and / or a current risk level; when it is determined that the target management and control mode is an automatic management and control mode, counting the number of recognition times that the target risk customer is recognized as a risk customer at a historical moment, and determining a target transfer quota corresponding to the target risk customer according to the number of recognition times and the current risk level; and adjusting the transfer quota of the target risk customer according to the target transfer quota. According to the invention, the effect of automatically adjusting the transfer quota of the risk customer is realized, the manual intervention of the adjustment of the transfer quota of the risk customer is reduced, the labor cost is reduced, and the efficiency of the adjustment of the transfer quota of the risk customer is also improved.

Description

Technical Field

[0001] The present invention relates to the field of artificial intelligence technology, and in particular to a method, device, equipment, medium and product for adjusting the transfer limit of risky customers. Background Art

[0002] In order to maintain financial order and curb related criminal activities, the bank's internal management system combines with the anti-money laundering system to screen out risky customers and formulates management and control requirements for risky customers, requiring each branch to adjust the transfer limit of risky customers so that the transfer amount of risky customers does not exceed the required transfer limit.

[0003] Currently, the adjustment of the transfer limit for risky customers usually relies on staff to manually adjust the transfer limit for risky customers one by one. This undoubtedly leads to high labor costs for adjusting the transfer limit for risky customers and low efficiency of adjusting the transfer limit for risky customers. Summary of the Invention

[0004] The present invention provides a method, device, equipment, medium and product for adjusting the transfer limit of risky customers, so as to solve the problems of high labor cost and low efficiency in the existing adjustment of the transfer limit of risky customers.

[0005] According to one aspect of the present invention, a method for adjusting a risky customer's transfer limit is provided, the method comprising:

[0006] Determine the target management and control method corresponding to the target risk customer based on the risk tag information of the target risk customer at the current moment; wherein the risk tag information includes the current location and / or the current risk level;

[0007] If the target control mode is determined to be the automatic control mode, counting the number of times the target risk customer has been identified as a risk customer at historical moments, and determining a target transfer limit corresponding to the target risk customer based on the number of identifications and the current risk level;

[0008] The transfer amount of the target risk customer is adjusted according to the target transfer amount.

[0009] According to another aspect of the present invention, a device for adjusting a risky customer's transfer limit is provided, the device comprising:

[0010] A control method determination module is used to determine a target control method corresponding to a target risk customer based on the risk tag information of the target risk customer at the current moment; wherein the risk tag information includes the current location and / or the current risk level;

[0011] a transfer limit determination module, configured to, when determining that the target control mode is the automatic control mode, count the number of times the target risk customer has been identified as a risk customer at historical moments, and determine a target transfer limit corresponding to the target risk customer based on the number of identifications and the current risk level;

[0012] The transfer limit adjustment module is used to adjust the transfer limit of the target risk customer according to the target transfer limit.

[0013] According to another aspect of the present invention, an electronic device is provided, comprising:

[0014] at least one processor; and

[0015] a memory communicatively connected to the at least one processor; wherein,

[0016] The memory stores a computer program that can be executed by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the method for adjusting the transfer limit of a risky customer as described in any one of the present inventions.

[0017] According to another aspect of the present invention, a computer-readable storage medium is provided, wherein the computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement the method for adjusting the transfer limit of a risky customer as described in any one of the embodiments of the present invention when executed.

[0018] According to another aspect of the present invention, a computer program product is provided, comprising a computer program, wherein when the computer program is executed by a processor, the computer program implements the method for adjusting the transfer limit of a risky customer as described in any one of the items of the present invention.

[0019] The present invention determines a target control mode corresponding to a target risk customer based on the target risk customer's risk tag information at the current moment; wherein the risk tag information includes the current location and / or the current risk level; when the target control mode is determined to be an automatic control mode, the target risk customer is identified as a risk customer at historical moments by counting the number of times the target risk customer has been identified as a risk customer, and a target transfer limit corresponding to the target risk customer is determined based on the number of times the target risk customer has been identified and the current risk level; and the transfer limit of the target risk customer is adjusted based on the target transfer limit. The beneficial effects are:

[0020] First, it achieves the effect of automatically adjusting the transfer limit of risky customers, reduces manual intervention in adjusting the transfer limit of risky customers, reduces labor costs, and also improves the efficiency of adjusting the transfer limit of risky customers.

[0021] Secondly, it improves the timeliness of risky customer management and control, which is conducive to timely curbing the occurrence of risky behaviors in the financial field.

[0022] It should be understood that the content described in this section is not intended to identify the key or important features of the embodiments of the present invention, nor is it intended to limit the scope of the present invention. Other features of the present invention will become readily understood through the following description. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0024] Figure 1 A flowchart of a method for adjusting a risky customer's transfer limit provided in Example 1 of the present invention;

[0025] Figure 2 A flowchart of a method for adjusting a risky customer's transfer limit provided in Example 2 of the present invention;

[0026] Figure 3 A schematic diagram of the structure of a device for adjusting the transfer limit of risky customers provided in a third embodiment of the present invention;

[0027] Figure 4 The present invention is a schematic structural diagram of an electronic device for implementing the method for adjusting the transfer limit of risky customers according to an embodiment of the present invention. DETAILED DESCRIPTION

[0028] In order to enable those skilled in the art to better understand the solutions of the present invention, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the embodiments described 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 making creative efforts should fall within the scope of protection of the present invention.

[0029] It should be noted that the terms "candidate", "target", "current", "real-time", "first", "second", etc. in the description and claims of the present invention 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 invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions. For example, a process, method, system, product or device that includes 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.

[0030] Example 1

[0031] Figure 1 This is a flow chart of a method for adjusting the transfer limit of a risky customer provided in the first embodiment of the present invention. This embodiment is applicable to the case where the transfer limit of a risky customer is automatically adjusted according to the risk tag information of the target risky customer. The method can be executed by an adjustment device for the transfer limit of a risky customer. The adjustment device for the transfer limit of a risky customer can be implemented in the form of hardware and / or software, such as computer implementation. Figure 1 As shown, the method includes:

[0032] S101. Determine a target control method corresponding to the target risk customer based on the risk tag information of the target risk customer at the current moment.

[0033] Target risk customers refer to corporate customers that have been determined to have engaged in risky behaviors, including but not limited to default, money laundering, or fraud. It is understood that any corporate customer determined to have engaged in risky behaviors can be considered a target risk customer. Methods for determining target risk customers include, but are not limited to, leveraging existing intelligent models, relying on big data platforms and enterprise-level machine learning platforms, and employing modeling strategies and algorithms for location screening. This embodiment does not limit the specific methods for determining target risk customers; any method capable of determining target risk customers falls within the scope of protection of this embodiment of the present invention.

[0034] Risk tag information is a risk characteristic identifier assigned to a target risk customer at the current moment through multi-dimensional data analysis. The risk tag information includes the current location and / or current risk level. The current location refers to the target risk customer's current geographic location. The current risk level refers to a quantitative classification of the target risk customer's risk behavior at the current moment based on characteristics such as customer qualifications and transaction behavior. For example, the current risk level may include high risk, medium risk, and low risk. This embodiment does not limit the specific quantitative classification method of the current risk level.

[0035] Target control methods include automatic control and manual control. The automatic control method means adjusting the transfer limit of target risk customers through automated means; correspondingly, the manual control method means adjusting the transfer limit of target risk customers through manual means.

[0036] In one embodiment, a risk customer management and control method parameter table is established based on actual business needs. In the risk customer management and control method parameter table, the management and control methods corresponding to various combination dimensions are pre-configured according to the combination dimension between location and risk level. For example, the management and control method corresponding to "Location A, High Risk" is "Manual Management Method," the management and control method corresponding to "Location B, High Risk" is "Manual Management Method," and the management and control method corresponding to "Location C, Low Risk" is "Automatic Management Method." This embodiment merely illustrates the contents of the risk customer management and control method parameter table and does not limit the contents of the risk customer management and control method parameter table in any way.

[0037] Furthermore, a risk customer information table is periodically obtained, for example, on a daily basis, and parsed to determine the current risk tag information of at least one target risk customer. The risk tag information includes the current location and current risk level.

[0038] Furthermore, the risk tag information of each target risk customer is used as a search term to perform information matching in the risk customer management and control method parameter table to determine the target management and control method corresponding to each target risk customer.

[0039] For example, assuming that the current location in the risk label information of any target risk customer is "Location C" and the current risk level is "Low Risk", then "Location C, Low Risk" will be used as the search term to match information in the risk customer management method parameter table. Assuming that the corresponding management method for "Location C, Low Risk" in the risk customer management method parameter table is configured as "Automatic Management Method", then "Automatic Management Method" will be used as the target management method corresponding to the risk customer.

[0040] S102. When the target control mode is determined to be the automatic control mode, the number of times the target risk customer has been identified as a risk customer at historical moments is counted, and a target transfer amount corresponding to the target risk customer is determined based on the number of identifications and the current risk level.

[0041] The "number of identifications" refers to the total number of times a target risk customer was identified as a risky customer at any historical moment. For example, if a target risk customer was identified as a risky customer at historical moments 1, 2, 3, and 4, the corresponding number of identifications for the target risk customer would be "4." A historical moment refers to any historical time before the current moment.

[0042] In one embodiment, when it is determined that the target management and control method is an automatic management and control method, the risk customer information table is parsed, all risk identification records of the target customer in the historical period are collected, and based on the risk identification timestamp of each risk identification record, the number of times the target risk customer has been identified as a risk customer at a historical moment is counted.

[0043] Furthermore, in one embodiment, a pre-established data mapping relationship between the "number of candidate identifications" and "candidate risk level" data combination and the "candidate transfer amount" is obtained. For example, assuming the number of candidate identifications is "10" and the candidate risk level is "low risk," the candidate transfer amount mapped to the number of candidate identifications "10" and the candidate risk level "low risk" is "5000."

[0044] The target risk customer's number of identifications and current risk level are used as a data combination and matched with the pre-established data mapping relationship between the "candidate identification times" and "candidate risk levels" and the "candidate transfer limits." Based on the matching results, the target transfer limit corresponding to the target risk customer is determined from the candidate transfer limits. For example, assuming the target risk customer has been identified "10" and its current risk level is "low risk," and the data mapping relationship has a mapping relationship between the candidate identification times "10" and the candidate risk level "low risk" and the candidate transfer limit "5000," the target transfer limit corresponding to the target risk customer is determined to be "5000."

[0045] Furthermore, in another embodiment, a basic risk score corresponding to the current risk level is determined from the candidate basic risk scores, and a first weight corresponding to the number of identifications and a second weight corresponding to the basic risk score are obtained. The number of identifications and the basic risk score are weighted and summed based on the first and second weights, and a target risk score corresponding to the target risk customer is determined based on the weighted sum. Furthermore, based on the target risk score, a target transfer limit corresponding to the target risk customer is determined from the candidate transfer limits.

[0046] S103. Adjust the transfer limit for the target risk customer according to the target transfer limit.

[0047] In one embodiment, the target transfer limit for each target risk customer, as well as the customer identity information for each target risk customer, are registered in a limit adjustment task table. Furthermore, a calling thread reads the limit adjustment task table to obtain the target transfer limit for each target risk customer. The call thread then calls a limit adjustment interface to adjust the transfer limit for each target risk customer based on the target transfer limit. Upon completion of the transfer limit adjustment for any target risk customer, the customer identity information for that target risk customer is deleted from the risk customer information table, indicating that the transfer limit adjustment for that target risk customer has been completed.

[0048] The embodiment of the present invention determines a target control mode corresponding to a target risk customer based on the risk tag information of the target risk customer at the current moment; wherein the risk tag information includes the current location and / or the current risk level; when the target control mode is determined to be the automatic control mode, the number of times the target risk customer has been identified as a risk customer at historical moments is counted, and a target transfer limit corresponding to the target risk customer is determined based on the number of identifications and the current risk level; and the transfer limit of the target risk customer is adjusted based on the target transfer limit. The beneficial effects are:

[0049] First, it achieves the effect of automatically adjusting the transfer limit of risky customers, reduces manual intervention in adjusting the transfer limit of risky customers, reduces labor costs, and also improves the efficiency of adjusting the transfer limit of risky customers.

[0050] Secondly, it improves the timeliness of risky customer management and control, which is conducive to timely curbing the occurrence of risky behaviors in the financial field.

[0051] Example 2

[0052] Figure 2 This is a flow chart of a method for adjusting the transfer limit of a risky customer provided in the second embodiment of the present invention. This embodiment further optimizes and expands the above embodiment and can be combined with the above optional implementation methods. Figure 2 As shown, the method includes:

[0053] S201. Obtain a first association relationship between candidate control methods and candidate risk label information; determine a target control method corresponding to a target risk customer from the candidate control methods based on the risk label information and the first association relationship.

[0054] Among them, candidate control methods include "manual control method" and "automatic control method". Candidate risk label information is obtained by combining data from all possible "customer locations" and "risk levels".

[0055] A risk customer management and control method parameter table is established based on actual business needs. In the risk customer management and control method parameter table, a first association relationship between various candidate risk tag information and corresponding candidate management and control methods is preconfigured. For example, if the candidate risk tag information "Location A, High Risk" corresponds to the candidate management and control method "Manual Management Method," then a first association relationship between "Location A, High Risk" and "Manual Management Method" is configured in the risk customer management and control method parameter table. This embodiment merely illustrates the contents of the risk customer management and control method parameter table and does not limit the contents of the risk customer management and control method parameter table in any way.

[0056] Furthermore, a risk customer information table is periodically obtained and parsed to determine the current risk tag information of at least one target risk customer. A first association between candidate control methods and candidate risk tag information is obtained from a risk customer control method parameter table. The risk tag information of the target risk customer is matched with the first association, and a target control method corresponding to the target risk customer is determined from the candidate control methods based on the matching result.

[0057] For example, assuming that the risk label information of the target risk customer is "Location A, high risk", and the candidate control method associated with the candidate risk label information "Location A, high risk" in the first association relationship is "manual control method", then "manual control method" will be used as the target control method corresponding to the target risk customer.

[0058] By obtaining a first association relationship between candidate control methods and candidate risk label information, and determining a target control method corresponding to a target risk customer from the candidate control methods based on the risk label information and the first association relationship, the beneficial effects are:

[0059] First, by establishing a mapping rule between "candidate risk label information" and "candidate control methods" through the first association relationship, the effect of automatic matching of control methods is achieved, and the time consumption of control method matching is reduced.

[0060] Secondly, it can improve the adaptability between target management methods and target risk customers, and further improve the accuracy and reliability of transfer limit adjustments.

[0061] S202. When the target control mode is determined to be the automatic control mode, the target buffer time corresponding to the target risk customer is determined according to the risk tag information, and the transfer limit adjustment time corresponding to the target risk customer is determined according to the current time and the target buffer time.

[0062] Among them, the target buffer time refers to the delay period between the current moment and the transfer limit adjustment moment, that is, this embodiment does not directly adjust the transfer limit of the target risk customer at the current moment, but will adjust the transfer limit of the target risk customer at the transfer limit adjustment moment after the target buffer time has passed.

[0063] In one embodiment, a risky customer buffer time parameter table is established based on actual business needs. In the risky customer buffer time parameter table, a third association relationship is preconfigured between various candidate risk tag information and corresponding candidate buffer times. For example, if the candidate risk tag information "Location A, High Risk" corresponds to a candidate buffer time of "30 days," then a third association relationship between "Location A, High Risk" and "30 days" is configured in the risky customer buffer time parameter table. This embodiment merely illustrates the contents of the risky customer buffer time parameter table and does not limit the contents of the risky customer buffer time parameter table in any way.

[0064] Furthermore, from the risk customer buffer time parameter table, the third association relationship between the candidate control method and the candidate buffer time is obtained, and the risk label information of the target risk customer is matched with the third association relationship, and the target buffer time corresponding to the target risk customer is determined from the candidate buffer time according to the matching result.

[0065] For example, assuming that the risk label information of the target risk customer is "Location A, high risk", and the candidate buffer time associated with the candidate risk label information "Location A, high risk" in the third association relationship is "30 days", then "30 days" will be used as the target buffer time corresponding to the target risk customer.

[0066] Furthermore, the current time and the target buffer time are added together to determine the transfer limit adjustment time for the target risk customer. For example, if the current time is "June 1st" and the target buffer time is "30 days", the transfer limit adjustment time is "July 1st".

[0067] S203: Determine a basic risk score corresponding to the current risk level, perform a weighted sum based on the number of identifications and the basic risk score, and determine a target risk score corresponding to the target risk customer based on the weighted sum result.

[0068] The risk score is a numerical indicator that quantifies the risk level and is used to convert the risk level into a measurable rating system. It is understood that the risk score corresponding to the current risk level is used as the basic risk score.

[0069] In one embodiment, based on the mapping relationship between risk levels and risk scores, a risk score corresponding to the current risk level is determined as a base risk score. Furthermore, a first weight corresponding to the number of identifications and a second weight corresponding to the base risk score are obtained. A weighted sum is taken based on the first weight and the number of identifications, and the second weight and the base risk score, and the result of the weighted sum is used as the target risk score for the target risk customer.

[0070] For example, assuming the number of identifications is a, the first weight is w1, the basic risk score is b, and the first weight is w2, then the target risk score is a*w1+b*w2.

[0071] S204: Obtain a second association relationship between the candidate risk scores and the candidate transfer amounts, and determine a target transfer amount corresponding to the target risk customer from the candidate transfer amounts based on the target risk score and the second association relationship.

[0072] For example, assuming that the target risk score is "60 points", and assuming that the candidate transfer amount associated with the candidate risk score "60 points" in the second association relationship is "5,000 yuan", then "5,000 yuan" will be used as the target transfer amount corresponding to the target risk customer.

[0073] By determining a basic risk score corresponding to the current risk level, performing a weighted sum based on the number of identifications and the basic risk score, and determining a target risk score corresponding to the target risk customer based on the weighted summation result, a second correlation between the candidate risk scores and the candidate transfer limits is obtained, and based on the target risk score and the second correlation, a target transfer limit corresponding to the target risk customer is determined from the candidate transfer limits. The beneficial effects are:

[0074] First, by integrating the "number of identifications" and "basic risk score" into multi-dimensional factors, we can provide a three-dimensional portrayal of the risks of target risk customers and improve the accuracy of risk identification of target risk customers.

[0075] Secondly, by taking a weighted sum based on the number of identifications and the basic risk score, we can avoid the misjudgment problem caused by a single indicator and further improve the accuracy of risk identification of target risk customers.

[0076] Thirdly, by building a second correlation relationship, we ensure that the transfer amount strictly matches the risk score, thereby achieving the effect of dynamically adapting the transfer amount to the risk, and avoiding the loss of high-quality customers due to a "one-size-fits-all" strategy.

[0077] S205: Determine the real-time risk level of the target risk customer at the time of transfer limit adjustment, and determine whether the real-time risk level is higher than the risk level threshold.

[0078] The real-time risk level refers to the real-time risk level determined by re-identifying the risk of the target risk customer at the time of the transfer limit adjustment. The risk level threshold can be set according to actual business needs, such as "low risk" or "no risk". This embodiment does not limit the specific value of the risk level threshold.

[0079] In one embodiment, when the transfer limit is adjusted, the risk tag information of the target risk customer at the time of the transfer limit adjustment is re-analyzed to determine the real-time risk level of the target risk customer at the time of the transfer limit adjustment. Further, the real-time risk level is compared with a preset risk level threshold.

[0080] S206. When it is determined that the real-time risk is higher than the risk level threshold, the transfer limit of the target risk customer is adjusted according to the target transfer limit.

[0081] In one embodiment, when it is determined that the real-time risk is lower than or equal to the risk level threshold, it means that after the target buffer time, the real-time risk level of the target risk customer is at a lower risk level, and there is no need to adjust the transfer amount of the target risk customer.

[0082] When it is determined that the real-time risk is higher than the risk level threshold, it means that after the target buffer time, the real-time risk level of the target risk customer is at a higher risk level. At this time, the transfer amount of the target risk customer needs to be adjusted, and then the transfer amount of the target risk customer is adjusted according to the target transfer amount.

[0083] By determining the target control mode as the automatic control mode, determining the target buffer time corresponding to the target risk customer based on the risk tag information, and determining the transfer limit adjustment time corresponding to the target risk customer based on the current time and the target buffer time; determining the real-time risk level of the target risk customer at the transfer limit adjustment time, and determining whether the real-time risk level is higher than the risk level threshold; and adjusting the transfer limit of the target risk customer according to the target transfer limit when it is determined that the real-time risk is higher than the risk level threshold, the beneficial effects are:

[0084] First, differentiated buffer times are dynamically set based on risk tag information to allow reasonable time for risk verification. Compared with the traditional "one-size-fits-all" instant credit limit adjustment strategy, this reduces the false interception rate.

[0085] Secondly, risky customers can still transfer basic credit limits within the buffer period to meet emergency funding needs. Compared with the traditional direct account lock model, this improves customer satisfaction.

[0086] Third, implement gradient management based on the real-time risk level after the buffer period to avoid long-term excessive restrictions on low-risk customers.

[0087] Optionally, after adjusting the transfer limit for target risk customers based on the target transfer limit, the following steps may also be performed:

[0088] A1. Generate a credit limit adjustment result notification based on the target risk customer's identity information, risk tag information, and target transfer limit.

[0089] Among them, customer identity information refers to the key data collected, verified and stored by financial institutions in accordance with the law for the purpose of identifying and verifying customer identity.

[0090] In one embodiment, notification information is generated based on customer identity information, risk tag information, and target transfer limit, for generating a limit adjustment result notification including customer identity information, risk tag information, and target transfer limit.

[0091] B1. Obtain the target contact information corresponding to the target responsible party, and use the target contact information to send a credit limit adjustment result notification to the target responsible party.

[0092] The target responsible party refers to the individual, organization, or institution responsible for adjusting the transfer limit of the risky customer. The target contact information for the target responsible party includes but is not limited to telephone, email, or text message.

[0093] In one embodiment, the target contact information corresponding to the target responsible party is obtained from the contact information table, and a task table is registered according to the target contact information. The task table is scanned through a thread, and a credit adjustment result notification is sent to the target responsible party using the target contact information.

[0094] By generating a credit limit adjustment result notification based on the target risk customer's identity information, risk tag information, and target transfer limit, obtaining the target contact information corresponding to the target responsible party, and sending the credit limit adjustment result notification to the target responsible party using the target contact information, the beneficial effects are:

[0095] First, the preset target responsible party is associated with the customer’s identity to avoid information transmission gaps.

[0096] Secondly, realize the automated closed loop of "risk identification, quota adjustment, and notification execution" to reduce loopholes in human intervention.

[0097] Thirdly, the target contact information corresponding to the target responsible party is automatically extracted to eliminate the risk of manual input errors.

[0098] Optionally, after determining the target control method corresponding to the target risk customer, the following is also included:

[0099] A2. When the target control method is determined to be manual control, a credit limit adjustment task notification is generated based on the customer identity information and risk tag information of the target risk customer.

[0100] In one embodiment, notification information is generated based on the customer identity information and risk tag information, and is used to generate a credit limit adjustment task notification including the customer identity information and risk tag information.

[0101] B2. Obtain the target contact information corresponding to the target responsible party, and use the target contact information to send a quota adjustment task notification to the target responsible party.

[0102] Among them, the quota adjustment task notification is used to prompt the target responsible party to manually adjust the transfer quota of the target risk customer.

[0103] In one embodiment, the target contact information corresponding to the target responsible party is obtained from the contact information table, and a task table is registered according to the target contact information. The task table is scanned through a thread, and a credit limit adjustment task notification is sent to the target responsible party using the target contact information, so that after the target responsible party obtains the credit limit adjustment task notification, the transfer limit of the target risk customer is manually adjusted according to the customer identity information and risk label information contained in the credit limit adjustment task notification.

[0104] By determining that the target control method is manual control, generating a credit limit adjustment task notification based on the customer identity information and risk tag information of the target risk customer, obtaining the target contact information corresponding to the target responsible party, and sending the credit limit adjustment task notification to the target responsible party using the target contact information, the beneficial effects are:

[0105] First, after receiving the quota adjustment task notification, the target responsible party can promptly use manual methods to adjust the transfer quota of the target risk customer, thereby improving the timeliness of risk customer limit management.

[0106] Secondly, tasks are dynamically generated based on customer identity information and risk tag information to ensure that management and control actions strictly match risk levels.

[0107] Third, it automatically matches target contact information, replacing the manual contact search steps and shortening response time.

[0108] Optionally, after sending the quota adjustment task notification to the second person in charge using the second contact method, the following steps may also be included:

[0109] A3. Determine the notification sending time corresponding to the quota adjustment task notification, and determine the task status verification time based on the notification sending time and the preset waiting time.

[0110] The "Notification Send Time" refers to the time at which the credit limit adjustment task notification is sent to the target responsible party. The "Preset Wait Time" represents the delay period for task status verification and can be set based on actual business needs. The "Task Status Verification Time" refers to the time at which verification is triggered to determine whether the target responsible party has completed the transfer credit limit adjustment task.

[0111] In one embodiment, the notification sending time corresponding to the quota adjustment task notification is determined, and time accumulation is performed according to the notification sending time and the preset waiting time to determine the task status verification time.

[0112] B3. During the task status verification, determine whether the target responsible party has completed the transfer limit adjustment for the target risk customer.

[0113] In one embodiment, when the determined time satisfies the task status verification moment, a verification is performed on whether the target responsible entity has completed the transfer limit adjustment for the target risk customer.

[0114] C3. If it is determined that the target responsible party has not completed the transfer limit adjustment for the target risk customer, a limit adjustment task notification will be sent to the target responsible party using the target contact information.

[0115] In one embodiment, if it is determined that the target responsible party has completed the transfer limit adjustment for the target risk customer, the process ends.

[0116] If it is determined that the target responsible party has not completed the transfer limit adjustment for the target risk customer, the credit limit adjustment task notification will continue to be sent to the target responsible party using the target contact information. Furthermore, steps A3-B3 are repeated until it is determined that the target responsible party has completed the transfer limit adjustment for the target risk customer; or until the number of repetitions exceeds a preset threshold, the credit limit adjustment task notification will be sent to other responsible parties using other contact information, such as the target responsible party's superior.

[0117] By determining the corresponding notification sending time for sending the credit limit adjustment task notification, and determining the task status verification time based on the notification sending time and the preset waiting time; determining whether the target responsible party has completed the transfer credit limit adjustment for the target risk customer at the task status verification time; if it is determined that the target responsible party has not completed the transfer credit limit adjustment for the target risk customer, the credit limit adjustment task notification is sent to the target responsible party using the target contact information, the beneficial effects are:

[0118] First, by defining the task execution period through “notification sending time + preset waiting time”, it can avoid the expansion of risk exposure caused by indefinite delay of the quota adjustment task.

[0119] Secondly, the task status is automatically verified at the time of task status verification, and a second notification is triggered in real time to the target responsible party for the unfinished quota adjustment, reducing the missed adjustment rate caused by human negligence.

[0120] Thirdly, it automatically schedules notification sending, status verification, and resending processes to reduce manual intervention.

[0121] It should be noted that the relevant 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 disclosure are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data comply with relevant laws, regulations and standards in the relevant regions.

[0122] Example 3

[0123] Figure 3 This is a schematic diagram of the structure of a device for adjusting the transfer limit of a risky customer provided in Example 3 of the present invention, which can be applied to automatically adjust the transfer limit of a risky customer based on the risk tag information of the target risk customer, such as Figure 3 As shown, the device includes:

[0124] The control method determination module 31 is used to determine the target control method corresponding to the target risk customer based on the risk tag information of the target risk customer at the current moment; wherein the risk tag information includes the current location and / or the current risk level;

[0125] a transfer limit determination module 32 for, when determining that the target control mode is the automatic control mode, counting the number of times the target risk customer has been identified as a risk customer at historical moments, and determining a target transfer limit corresponding to the target risk customer based on the number of identifications and the current risk level;

[0126] The transfer limit adjustment module 33 is configured to adjust the transfer limit of the target risk customer according to the target transfer limit.

[0127] Optionally, the device further includes a transfer limit adjustment time determination module, specifically configured to:

[0128] If the target control mode is determined to be the automatic control mode, determining the target buffer time corresponding to the target risk customer based on the risk tag information, and determining the transfer limit adjustment time corresponding to the target risk customer based on the current time and the target buffer time;

[0129] The transfer limit adjustment module 33 is specifically used to:

[0130] Determining a real-time risk level of the target risk customer at the time of the transfer limit adjustment, and determining whether the real-time risk level is higher than a risk level threshold;

[0131] When it is determined that the real-time risk is higher than the risk level threshold, the transfer amount of the target risk customer is adjusted according to the target transfer amount.

[0132] Optionally, the control mode determination module 31 is specifically configured to:

[0133] Obtaining a first association relationship between candidate control methods and candidate risk label information;

[0134] According to the risk label information and the first association relationship, a target control method corresponding to the target risk customer is determined from the candidate control methods.

[0135] Optionally, the transfer limit determination module 32 is specifically configured to:

[0136] Determine a basic risk score corresponding to the current risk level, perform a weighted sum based on the number of identifications and the basic risk score, and determine a target risk score corresponding to the target risk customer based on the weighted sum result;

[0137] A second association relationship between candidate risk scores and candidate transfer amounts is obtained, and a target transfer amount corresponding to the target risk customer is determined from the candidate transfer amounts based on the target risk score and the second association relationship.

[0138] Optionally, the device further includes a credit limit adjustment result notification module, specifically configured to:

[0139] generating a limit adjustment result notification based on the customer identity information of the target risk customer, the risk tag information, and the target transfer limit;

[0140] Obtain the target contact information corresponding to the target responsible party, and use the target contact information to send the credit limit adjustment result notification to the target responsible party.

[0141] Optionally, the device further includes a quota adjustment task notification module, specifically configured to:

[0142] If the target control mode is determined to be manual control mode, generating a credit limit adjustment task notification based on the customer identity information of the target risk customer and the risk tag information;

[0143] Obtain the target contact information corresponding to the target responsible party, and use the target contact information to send the credit limit adjustment task notification to the target responsible party; wherein, the credit limit adjustment task notification is used to prompt the target responsible party to manually adjust the transfer limit of the target risk customer.

[0144] Optionally, the device further includes a task status verification module, specifically configured to:

[0145] Determine the notification sending time corresponding to sending the quota adjustment task notification, and determine the task status verification time according to the notification sending time and the preset waiting time;

[0146] Determining, at the task status verification moment, whether the target responsible entity has completed the transfer limit adjustment for the target risk customer;

[0147] If it is determined that the target responsible party has not completed the transfer limit adjustment for the target risk customer, the limit adjustment task notification is sent to the target responsible party using the target contact information.

[0148] The device for adjusting the transfer limit for risky customers provided in an embodiment of the present invention can execute the method for adjusting the transfer limit for risky customers provided in any embodiment of the present invention, and has the corresponding functional modules and beneficial effects of the execution method.

[0149] According to an embodiment of the present disclosure, the present disclosure also provides an electronic device, a readable storage medium, and a computer program product.

[0150] Example 4

[0151] Figure 4A schematic diagram of the structure of an electronic device 40 that can be used to implement an embodiment of the present invention is shown. The electronic device is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device can also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices (such as helmets, glasses, watches, etc.) and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely examples and are not intended to limit the implementation of the present invention described and / or claimed herein.

[0152] like Figure 4 As shown, the electronic device 40 includes at least one processor 41 and a memory, such as a read-only memory (ROM) 42, a random access memory (RAM) 43, etc., which is communicatively connected to the at least one processor 41. The memory stores a computer program that can be executed by the at least one processor, and the processor 41 can perform various appropriate actions and processes according to the computer program stored in the read-only memory (ROM) 42 or the computer program loaded from the storage unit 48 into the random access memory (RAM) 43. Various programs and data required for the operation of the electronic device 40 can also be stored in the RAM 43. The processor 41, ROM 42, and RAM 43 are connected to each other via a bus 44. An input / output (I / O) interface 45 is also connected to the bus 44.

[0153] Multiple components in the electronic device 40 are connected to the I / O interface 45, including an input unit 46, such as a keyboard, a mouse, etc.; an output unit 47, such as various types of displays, speakers, etc.; a storage unit 48, such as a magnetic disk, an optical disk, etc.; and a communication unit 49, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 49 allows the electronic device 40 to exchange information / data with other devices via a computer network such as the Internet and / or various telecommunication networks.

[0154] Processor 41 can be any general-purpose and / or specialized processing component with processing and computing capabilities. Examples of processor 41 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various specialized artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, digital signal processors (DSPs), and any other suitable processor, controller, or microcontroller. Processor 41 executes the various methods and processes described above, such as the method for adjusting the transfer limit for risky customers.

[0155] In some embodiments, the method for adjusting the transfer limit for risky customers can be implemented as a computer program, which is tangibly contained in a computer-readable storage medium, such as a storage unit 48. In some embodiments, part or all of the computer program can be loaded and / or installed on the electronic device 40 via the ROM 42 and / or the communication unit 49. When the computer program is loaded into the RAM 43 and executed by the processor 41, one or more steps of the method for adjusting the transfer limit for risky customers described above can be performed. Alternatively, in other embodiments, the processor 41 can be configured to execute the method for adjusting the transfer limit for risky customers in any other appropriate manner (for example, by means of firmware).

[0156] Various embodiments of the systems and techniques described above can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), system-on-chip systems (SOCs), complex programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various embodiments can include being implemented in one or more computer programs that are executable and / or interpreted on a programmable system that includes at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.

[0157] Computer programs for implementing the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, such that when the computer program is executed by the processor, the functions / operations specified in the flowcharts and / or block diagrams are implemented. The computer program may be executed entirely on the machine, partially on the machine, as a stand-alone software package, partially on the machine and partially on a remote machine, or entirely on a remote machine or server.

[0158] In the context of the present invention, computer-readable storage media can be tangible media that can contain or store a computer program for use with an instruction execution system, device or equipment or used in combination with an instruction execution system, device or equipment. Computer-readable storage media can include but are not limited to electronic, magnetic, optical, electromagnetic, infrared or semiconductor systems, devices or equipment, or any suitable combination of the foregoing. Alternatively, computer-readable storage media can be machine-readable signal media. More specific examples of machine-readable storage media can include electrical connections based on one or more lines, portable computer disks, hard disks, random access memories (RAM), read-only memories (ROM), erasable programmable read-only memories (EPROM or flash memory), optical fibers, portable compact disk read-only memories (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the foregoing.

[0159] To provide interaction with a user, the systems and techniques described herein can be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and pointing device (e.g., a mouse or trackball) through which the user can provide input to the electronic device. Other types of devices can also be used to provide interaction with the user; for example, the feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user can be received in any form (including acoustic input, voice input, or tactile input).

[0160] The systems and techniques described herein can be implemented in a computing system that includes back-end components (e.g., as a data server), or a computing system that includes middleware components (e.g., an application server), or a computing system that includes front-end components (e.g., a user computer with a graphical user interface or web browser through which a user can interact with implementations of the systems and techniques described herein), or a computing system that includes any combination of such back-end components, middleware components, or front-end components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: a local area network (LAN), a wide area network (WAN), a blockchain network, and the Internet.

[0161] A computing system may include clients and servers. The clients and servers are typically remote from each other and typically interact via a communication network. This client-server relationship arises through computer programs running on the respective computers, creating a client-server relationship. The server may be a cloud server, also known as a cloud computing server or cloud host. This server is a hosting product within the cloud computing service ecosystem that addresses the management difficulties and limited scalability of traditional physical hosting and VPS services.

[0162] It should be understood that the various forms of the processes shown above can be used to reorder, add, or delete steps. For example, the steps described in the present invention can be performed in parallel, sequentially, or in a different order, as long as the desired results of the technical solution of the present invention can be achieved. This is not limited herein.

[0163] The above specific embodiments do not limit the scope of protection of the present invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions may be made based on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of the present invention are intended to be included within the scope of protection of the present invention.

Claims

1. A method for adjusting the transfer limit of risky customers, characterized in that: The method comprises: Determine the target management and control method corresponding to the target risk customer based on the risk tag information of the target risk customer at the current moment; wherein the risk tag information includes the current location and / or the current risk level; If the target control mode is determined to be the automatic control mode, counting the number of times the target risk customer has been identified as a risk customer at historical moments, and determining a target transfer limit corresponding to the target risk customer based on the number of identifications and the current risk level; The transfer amount of the target risk customer is adjusted according to the target transfer amount.

2. The method according to claim 1, further comprising: Determining a target buffer time corresponding to the target risk customer based on the risk tag information, and determining a transfer limit adjustment time corresponding to the target risk customer based on the current time and the target buffer time; The adjusting the transfer amount of the target risk customer according to the target transfer amount includes: Determining a real-time risk level of the target risk customer at the time of the transfer limit adjustment, and determining whether the real-time risk level is higher than a risk level threshold; When it is determined that the real-time risk is higher than the risk level threshold, the transfer amount of the target risk customer is adjusted according to the target transfer amount.

3. The method according to claim 1, characterized in that Determining the target control method corresponding to the target risk customer based on the risk tag information of the target risk customer at the current moment includes: Obtaining a first association relationship between candidate control methods and candidate risk label information; According to the risk label information and the first association relationship, a target control method corresponding to the target risk customer is determined from the candidate control methods.

4. The method according to claim 1, wherein The determining, based on the number of identifications and the current risk level, a target transfer amount corresponding to the target risk customer includes: Determine a basic risk score corresponding to the current risk level, perform a weighted sum based on the number of identifications and the basic risk score, and determine a target risk score corresponding to the target risk customer based on the weighted sum result; A second association relationship between candidate risk scores and candidate transfer amounts is obtained, and a target transfer amount corresponding to the target risk customer is determined from the candidate transfer amounts based on the target risk score and the second association relationship.

5. The method according to claim 1, after adjusting the transfer limit of the target risk customer according to the target transfer limit, further comprising: generating a limit adjustment result notification based on the customer identity information of the target risk customer, the risk tag information, and the target transfer limit; Obtain the target contact information corresponding to the target responsible party, and use the target contact information to send the credit limit adjustment result notification to the target responsible party.

6. The method according to claim 1, after determining the target management and control method corresponding to the target risk customer, further comprising: If the target control mode is determined to be manual control mode, generating a credit limit adjustment task notification based on the customer identity information of the target risk customer and the risk tag information; Obtain the target contact information corresponding to the target responsible party, and use the target contact information to send the credit limit adjustment task notification to the target responsible party; wherein, the credit limit adjustment task notification is used to prompt the target responsible party to manually adjust the transfer limit of the target risk customer.

7. The method according to claim 6, after sending the credit limit adjustment task notification to the second person in charge using the second contact information, further comprising: Determine the notification sending time corresponding to sending the quota adjustment task notification, and determine the task status verification time according to the notification sending time and the preset waiting time; Determining, at the task status verification moment, whether the target responsible entity has completed the transfer limit adjustment for the target risk customer; If it is determined that the target responsible party has not completed the transfer limit adjustment for the target risk customer, the limit adjustment task notification is sent to the target responsible party using the target contact information.

8. A device for adjusting the transfer limit of risky customers, characterized in that: The device comprises: A control method determination module is used to determine a target control method corresponding to a target risk customer based on the risk tag information of the target risk customer at the current moment; wherein the risk tag information includes the current location and / or the current risk level; a transfer limit determination module, configured to, when determining that the target control mode is the automatic control mode, count the number of times the target risk customer has been identified as a risk customer at historical moments, and determine a target transfer limit corresponding to the target risk customer based on the number of identifications and the current risk level; The transfer limit adjustment module is used to adjust the transfer limit of the target risk customer according to the target transfer limit.

9. An electronic device, characterized in that: The electronic device comprises: at least one processor; and a memory communicatively connected to the at least one processor; wherein, The memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the method for adjusting the transfer limit of a risky customer according to any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that The computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to execute the method for adjusting the transfer limit of a risky customer according to any one of claims 1 to 7.

11. A computer program product, comprising a computer program, wherein when executed by a processor, the computer program implements the method for adjusting the transfer limit of a risky customer according to any one of claims 1 to 7.

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