Transaction limit adjustment method, electronic device, storage medium and program product
By adding a limit adjustment function to the transaction page, the problem of transaction failure caused by transaction limits is solved, the continuity and convenience of transactions are achieved, and user satisfaction is improved.
Patent Information
- Application Number
- CN202510921535.0
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2025-07-04
- Publication Date
- 2025-10-21
AI Technical Summary
In financial transactions, transaction limits can cause transaction failures, forcing users to interrupt the transaction process and repeatedly input information, leading to operational inconvenience and low efficiency.
Add a limit adjustment function to the transaction page, respond to user requests to save transaction data, display the limit adjustment page, reload the transaction page after adjusting the limit, automatically fill in the data, and execute the transaction.
It improves transaction success rate, simplifies operation process, improves convenience and smoothness, and enhances user satisfaction.
Smart Images
Figure CN120823039A_ABST
Abstract
Description
Technical Field
[0001] Embodiments of the present invention relate to the field of financial technology, and in particular to a transaction limit adjustment method, electronic device, storage medium, and program product. Background Art
[0002] In financial transactions like transfers and payments, transaction failures due to transaction limits are common. In these cases, users are forced to interrupt the transaction process and exit the current transaction interface until the transaction limit is adjusted and they can try again, causing significant inconvenience. Furthermore, once the user exits the current transaction interface, all previously entered transaction information is lost. If the user wishes to re-initiate the transaction, they must start from scratch and re-enter every transaction detail. This not only increases user time but also significantly reduces the smoothness of the user experience, causing unnecessary hassle and frustration. Summary of the Invention
[0003] The embodiments of the present invention provide a transaction limit adjustment method, electronic device, storage medium and program product, which can provide users with a more convenient and efficient financial business operation experience.
[0004] In a first aspect, an embodiment of the present invention provides a transaction limit adjustment method, comprising:
[0005] Respond to limit adjustment requests initiated by users on the transaction page, save the transaction data on the transaction page and display the limit adjustment page;
[0006] Adjust the original limit of this transaction to the target limit based on the limit adjustment operation performed by the user on the limit adjustment page;
[0007] Reload the transaction page and fill the saved transaction data back into the transaction page;
[0008] Respond to the transaction execution request initiated by the user on the transaction page and execute the transaction based on the transaction data and target limit.
[0009] In a second aspect, an embodiment of the present invention provides a transaction limit adjustment device, comprising:
[0010] The first response module is used to respond to the limit adjustment request initiated by the user on the transaction page, save the transaction data of the transaction page and display the limit adjustment page;
[0011] The limit adjustment module is used to adjust the original limit of the transaction to the target limit based on the limit adjustment operation performed by the user on the limit adjustment page;
[0012] The page loading module is used to reload the transaction page and fill the saved transaction data back into the transaction page;
[0013] The second response module is used to respond to the transaction execution request initiated by the user on the transaction page and execute the transaction based on the transaction data and target limit.
[0014] In a third aspect, an electronic device provided by an embodiment of the present invention includes a memory, a processor, and a computer program stored in the memory and runnable on the processor. When the processor executes the program, a transaction limit adjustment method as in any embodiment of the present invention is implemented.
[0015] In a fourth aspect, an embodiment of the present invention provides a computer-readable storage medium, on which a computer program is stored, which, when executed by a processor, implements a transaction limit adjustment method as in any embodiment of the present invention.
[0016] In a fifth aspect, the computer program product provided by an embodiment of the present invention includes a computer program, which, when executed by a processor, implements the transaction limit adjustment method as described in any embodiment of the present invention.
[0017] In an embodiment of the present invention, by adding a limit adjustment function to the transaction page, the transaction limit can be adjusted during the transaction process, so that the user does not need to interrupt the transaction process, thereby significantly improving the success rate of the transaction and effectively solving the problem of transaction failure caused by limit issues in the traditional transaction process; the transaction data is saved when the limit is adjusted, and the transaction page is reloaded and the transaction data is automatically filled in after the limit adjustment is completed, so that the user does not need to repeatedly input the data, which greatly simplifies the operation process, improves the convenience and smoothness of the operation, and enables users to complete transactions more quickly, thereby enhancing user satisfaction with financial business operations. BRIEF DESCRIPTION OF THE DRAWINGS
[0018] In order to more clearly illustrate the technical solution of the present invention, the following is a brief introduction to the drawings required for use in the embodiments. It should be understood that the following drawings only illustrate certain embodiments of the present invention and therefore should not be regarded as limiting the scope. For ordinary technicians in this field, other relevant drawings can be obtained based on these drawings without paying any creative work.
[0019] Figure 1 This is a flow chart of a transaction limit adjustment method provided by an embodiment of the present invention;
[0020] Figure 2 This is another flowchart of the transaction limit adjustment method provided by an embodiment of the present invention;
[0021] Figure 3 This is an example diagram of an application scenario of the transaction limit adjustment method provided by an embodiment of the present invention;
[0022] Figure 4This is a structural diagram of a transaction limit adjustment device provided by an embodiment of the present invention;
[0023] Figure 5 It is a structural diagram of an electronic device provided by an embodiment of the present invention. DETAILED DESCRIPTION
[0024] 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.
[0025] It should be noted that the terms "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 numbers used in this way can be interchanged 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.
[0026] Figure 1 It is a flow chart of the transaction limit adjustment method provided by an embodiment of the present invention. The transaction limit adjustment method provided by an embodiment of the present invention can be applied to scenarios such as transfers and payments that require transaction limit adjustment. The transaction limit adjustment method can be executed by the transaction limit adjustment device provided by an embodiment of the present invention, and the device can be implemented in software and / or hardware. In a specific embodiment, the device can be integrated into an electronic device, and the electronic device can be a mobile phone, tablet computer, computer, etc. used by the user. Applications or systems that support financial transactions can be installed in the electronic device, such as mobile banking, online banking, etc. The following embodiment is described by taking the integration of the transaction limit adjustment device in an electronic device as an example. See Figure 1 The transaction limit adjustment method of this embodiment may include the following steps:
[0027] Step 101: respond to a limit adjustment request initiated by a user on a transaction page, save the transaction data on the transaction page, and display the limit adjustment page.
[0028] A user refers to an individual or corporate client using a financial service system, who conducts financial transactions such as transfers and payments through the transaction page. A transaction page is an interface within a financial service system that displays transaction information and allows users to perform transaction operations, such as filling in payee information and the amount when transferring or remitting money. Initiating means a user proactively initiates an operation, such as by clicking a button, link, or other interactive method to trigger the corresponding system function. A limit adjustment request is a request to modify or increase a transaction limit when a user finds that the current transaction limit does not meet their needs. In this embodiment, a limit adjustment request can be initiated by, for example, clicking the limit adjustment button on the transaction page. Transaction data refers to the various information entered, selected, and generated by the user on the transaction page. This data can include the transaction amount, payee account, payment account, transaction type, and other information. This data is crucial for completing the transaction. The limit adjustment page is a dedicated interface for users to adjust their transaction limits. On this page, users can view their current limit, select a new limit, and submit a limit adjustment request.
[0029] When a user finds that the current transaction limit does not meet their transaction needs while operating on a transaction page, they can initiate a limit adjustment request by clicking the limit adjustment button. Upon receiving this request, the system will first save the transaction data already entered on the transaction page in the backend to prevent data loss. The system will then display the limit adjustment page to the user, allowing them to perform limit adjustment operations, such as selecting a new limit and confirming the adjustment. This process ensures that the transaction information already entered is not lost when the user adjusts the limit, improving the convenience and consistency of the operation.
[0030] For example, when user A is transferring 10,000 yuan, they discover that their current account's transaction limit is 5,000 yuan per day, which doesn't meet their current transfer needs. User A then clicks the limit adjustment button on the transaction page, initiating a limit adjustment request. The system responds to this request by first saving the transaction data entered by user A, including the transfer amount (10,000 yuan) and the recipient's account number. It then redirects and displays the limit adjustment page, where user A can perform limit adjustment operations, such as entering a new limit.
[0031] Step 102: Adjust the original limit of the transaction to the target limit according to the limit adjustment operation performed by the user on the limit adjustment page.
[0032] A limit adjustment is a series of actions a user performs on the limit adjustment page, such as entering a new limit amount, selecting the effective date for the limit adjustment, and clicking the Submit button, to modify a transaction limit. The original limit refers to the pre-set or last-set transaction limit in effect before the limit adjustment. It represents the upper limit for transactions determined by the user or the system based on previous settings or default rules. The target limit is the new transaction limit that the user wishes to set through the limit adjustment operation, i.e., the upper limit for transactions that the user expects to take effect after the adjustment.
[0033] Once a user completes the limit adjustment on the limit adjustment page, the system will modify the original limit constraint for the transaction from the original limit to the target limit based on the limit adjustment information entered or selected by the user. For example, if a user's original online banking transfer limit is 5,000 yuan per day (the original limit), but they need to transfer 10,000 yuan, they can adjust the limit to 10,000 yuan per day (the target limit) on the limit adjustment page. After the system verifies that the adjustment is legal and valid, it will update the original limit to the target limit, allowing the user to successfully complete the 10,000 yuan transfer transaction.
[0034] Step 103: reload the transaction page and fill the saved transaction data back into the transaction page.
[0035] Reloading the transaction page means that the system displays the transaction page again after the user completes the limit adjustment operation. This process refreshes the page, restoring it to its original state and displaying new information as needed. Refilling the transaction page means that previously saved transaction data is re-filled into the corresponding fields on the transaction page, eliminating the need for the user to re-enter this information.
[0036] After a user completes a limit adjustment, the system reloads the transaction page and repopulates the previously saved transaction data, allowing the user to continue the transaction without having to re-enter all the information. For example, User A is transferring 10,000 yuan but discovers that their current account's daily transaction limit is 5,000 yuan, which doesn't meet their transfer requirements. User A then clicks the Limit Adjustment button on the transaction page. The system responds and saves the transaction data they entered, including the transfer amount (10,000 yuan) and the recipient's account number, and then redirects to the Limit Adjustment page. After User A increases the limit to 10,000 yuan per day on the Limit Adjustment page, the system reloads the transaction page and repopulates the previously saved data, including the transfer amount (10,000 yuan) and recipient's account number. This allows User A to confirm and submit the transfer transaction without having to re-enter this information.
[0037] Step 104: respond to the transaction execution request initiated by the user on the transaction page and execute the transaction based on the transaction data and the target limit.
[0038] A transaction execution request is a user's instruction to complete a transaction. After the user completes the limit adjustment and enters the transaction information on the transaction page, they can click a transaction button (such as "Submit" or "Confirm"), and the system will respond to the user's transaction execution request. The system verifies the legitimacy of the transaction based on the transaction data entered by the user (such as the amount and recipient) and the adjusted target limit. If the transaction data is within the target limit and is legal, the system executes the transaction. Otherwise, if the limit is exceeded or the data is abnormal, the transaction fails and the user is notified.
[0039] For example, user A adjusts the daily limit to 10,000 yuan on the transfer page and clicks "Submit." The system responds to the request, verifies that the target limit of 10,000 yuan meets the requirements and that the information is correct, and then executes the transfer.
[0040] In this embodiment, by adding a limit adjustment function to the transaction page, the transaction limit can be adjusted during the transaction process, so that the user does not need to interrupt the transaction process, thereby significantly improving the success rate of the transaction and effectively solving the problem of transaction failure caused by limit issues in the traditional transaction process; the transaction data is saved when the limit is adjusted, and the transaction page is reloaded and the transaction data is automatically filled in after the limit adjustment is completed, so that the user does not need to repeatedly input it, which greatly simplifies the operation process, improves the convenience and smoothness of the operation, and enables users to complete transactions more quickly, thereby enhancing user satisfaction with financial business operations.
[0041] The following combination Figure 2 and Figure 3 , further illustrating the transaction limit adjustment method provided by an embodiment of the present invention. Figure 2 is another flow chart of the transaction limit adjustment method provided by an embodiment of the present invention. Figure 3 This is an example diagram of an application scenario of the transaction limit adjustment method provided in an embodiment of the present invention.
[0042] See first Figure 2 The transaction limit adjustment method of this embodiment may include:
[0043] Step 201: Identify the quota type that needs to be adjusted and obtain the target type quota.
[0044] Limit types refer to specific limits that restrict transaction completion during the transaction process, such as account limits and media limits. Target type limits refer to the limit types to be adjusted after judgment or selection. These are limit types that the system or user determines require modification.
[0045] During a transaction, the system will determine which limit type (e.g., the account limit or the limit of the payment medium used, such as a USB-Shield or bank card) is preventing the transaction from proceeding smoothly based on the user's actions and the specific circumstances of the transaction. The system will then determine the limit type that needs to be adjusted, also known as the target limit type, so that the corresponding limit adjustment can be performed later. The determined target limit type can include one or more types.
[0046] Specifically, the transaction account and transaction amount of this transaction can be obtained, and the original limit of this transaction can be queried based on the transaction account. When the original limit is lower than the transaction amount, the target type limit is determined to be the account limit.
[0047] When a transaction occurs, the system first obtains the user's trading account information and the amount the user wishes to trade. Based on the obtained trading account, the system then queries the account's pre-set transaction limit, which is the default maximum transaction amount allowed for the account. The system then compares the original limit with the user's actual transaction amount. If the original limit is lower than the transaction amount, it indicates that the current account limit cannot meet the user's transaction needs. In this case, the system determines that the account limit is restricting the transaction and sets the target limit as the account limit, facilitating subsequent limit adjustments. Simply put, the system identifies that the transaction is blocked due to a limit issue within the trading account itself, requiring an adjustment to meet the user's transaction needs. For example, User B uses their bank account to transfer 8,000 yuan. After obtaining the trading account and transaction amount, the system finds that the bank account's original daily transaction limit is 5,000 yuan. Since the original limit (5,000 yuan) is lower than the transaction amount (8,000 yuan), the system determines that the target type limit is the account limit, which means that the account limit needs to be adjusted in order for the transfer transaction to proceed smoothly.
[0048] Specifically, the transaction medium selected by the user on the transaction page can be identified to obtain the transaction amount of this transaction; the original limit of this transaction can be queried based on the transaction medium; when the original limit is lower than the transaction amount, the target type limit is determined to be the medium limit.
[0049] Transaction media are tools or devices used to complete financial transactions. Common transaction media include bank cards (such as debit and credit cards), USB-Shields, dynamic password cards, and mobile banking. These media perform identity authentication and transaction authorization during transactions, ensuring the security and legality of transactions. Limit management of transaction media is crucial for ensuring the security and compliance of financial transactions, as well as the safety of user funds. By rationally setting and managing transaction media limits, we can effectively mitigate risks, protect user interests, meet regulatory requirements, and provide more personalized and high-quality services.
[0050] The system identifies the transaction medium (such as a USB Shield or dynamic password card) selected by the user on the transaction page and obtains the original limit corresponding to the transaction medium. The system compares the original limit with the transaction amount. If the original limit is lower than the transaction amount, the system determines that the target type limit is the medium limit, indicating that the transaction is being restricted by the transaction medium's limit and that the medium limit needs to be adjusted to meet the transaction requirements. For example, a user uses a USB Shield to transfer 8,000 yuan. If the original limit for the USB Shield is 5,000 yuan per month, meaning it is lower than the transaction amount, the USB Shield limit needs to be adjusted.
[0051] In addition, in financial transaction scenarios, product limits and business limits may also be involved. Product limits include loan limits and insurance purchase limits, while business limits include cross-border transaction limits and securities and futures trading limits. These types of limits can all be identified and adjusted according to the ideas provided by this invention.
[0052] Step 202: Display a limit adjustment item for the target type limit on the transaction page.
[0053] On the transaction page, the system displays one or more limit adjustment items based on the identified limit type (target limit) to facilitate user adjustment. These limit adjustment items are user-interactive interface elements, such as buttons, input boxes, or drop-down menus, that allow users to enter a new limit value or select a preset limit option.
[0054] For example, if the system identifies that both the transaction account limit and the transaction medium limit are lower than the user's transaction amount, the target limit type will include both the account limit and the medium limit. On the transaction page, the account limit adjustment and medium limit adjustment options can be displayed, allowing users to adjust each limit separately according to their needs. This allows users to handle multiple limit adjustment issues on the same page without switching back and forth between different pages.
[0055] In this embodiment, the limit adjustment items are displayed dynamically, and the limit adjustment items are displayed only when needed, which can prevent the transaction page from being too complicated and crowded, and keep the page concise and clear. When conducting transactions, users will not be distracted by unnecessary buttons or options and can focus more on the current operation. The dynamic display of limit adjustment items can also serve as a limit adjustment prompt to ensure that users can quickly find and use the function when needed, while keeping the interface tidy when not needed, and highlighting other more important transaction information. Displaying limit adjustment items only when needed can also prevent users from adjusting limits at will, reducing security risks caused by improper limit settings. Of course, in actual applications, the limit adjustment item can also be used as a fixed item and displayed fixedly, which is not specifically limited here.
[0056] Step 203 , in response to the quota adjustment request initiated by the user on the transaction page by triggering the quota adjustment item for the target type quota, the transaction data of the transaction page is saved and the quota adjustment page is displayed.
[0057] When a user clicks the Limit Adjustment option on a transaction page, the system receives and processes the user's limit adjustment request. The system first saves the transaction data entered on the transaction page to prevent data loss. The system then displays the Limit Adjustment page, allowing the user to perform detailed limit adjustment operations. For example, if a user discovers their limit is insufficient during a transfer, clicking the Limit Adjustment button on the transaction page will save the completed transfer information and redirect the user to the Limit Adjustment page, allowing the user to easily adjust their limit.
[0058] Step 204: Obtain quota adjustment reference data.
[0059] The system needs to collect and obtain some relevant data, which will serve as a reference for adjusting the limit. This reference data may include but is not limited to the following:
[0060] The user's historical transaction records may include information such as the amount, frequency, and time of past transactions.
[0061] Current account balance. Ensure that the adjusted limit does not exceed the available balance in the account.
[0062] The user's credit score. Users with good credit standing may be allowed higher transaction limits.
[0063] Market dynamics and risk assessment: Adjust limits based on current market conditions and potential risks.
[0064] Step 205: Determine candidate quotas based on the quota adjustment reference data, and display the candidate quotas on the quota adjustment page.
[0065] By analyzing this reference data, the system evaluates one or more reasonable limit options, which are called candidate limits. For example, based on a user's good credit score and stable transaction history, it can recommend raising the limit to a specific amount.
[0066] These candidate limits are displayed on the limit adjustment page for users to review and select. This allows users to quickly make decisions and complete limit adjustments based on their needs and system recommendations. For example, based on a user's historical transaction data and credit assessment, the system may recommend increasing the daily transfer limit from 5,000 yuan to 10,000 yuan or 20,000 yuan. These options are displayed on the limit adjustment page, allowing users to select the appropriate limit based on their needs.
[0067] Step 206: Adjust the original limit of the transaction to the target limit based on the user's selection of the candidate limit on the limit adjustment page.
[0068] After viewing the system's candidate limits on the limit adjustment page, users can select a limit that meets their needs. Based on the user's selection, the system updates the original limit to the target limit, completing the limit adjustment. For example, if the user's original limit is 5,000 yuan per day, the system may offer candidate limits of 10,000 yuan, 20,000 yuan, and 50,000 yuan. If the user selects 10,000 yuan, the system will adjust the original limit of 5,000 yuan to 10,000 yuan, completing the limit modification.
[0069] Step 207: Verify the target limit.
[0070] Target limit verification is performed to ensure that the user's set limit is valid, secure, and compliant with relevant regulations. Verification may include validity, compliance with reasonable limits, and regulatory requirements. If the verification passes, the system will reload the transaction page and fill in the transaction data, allowing the user to continue trading. If the verification fails, the user will be prompted to reset the limit.
[0071] Step 208, determine whether the verification is passed, if passed, execute step 209, if not, return to step 205.
[0072] Step 209: reload the transaction page and fill the saved transaction data back into the transaction page.
[0073] Reloading the transaction page means that after the user completes the limit adjustment, the system reopens the transaction page and restores it to a state where transactions can be performed. Re-filling the saved transaction data back into the transaction page means that the system returns the transaction information previously entered by the user (such as transfer amount, beneficiary account number, etc.) to the corresponding location on the transaction page. After the user completes the limit adjustment, the system will not only reopen the transaction page but also re-display the transaction information previously entered by the user, allowing the user to continue the transaction without having to re-enter it.
[0074] For example, user A uses mobile banking to transfer money to a friend. After filling in the recipient's account number and transfer amount, they discover that their limit is insufficient, so they adjust the limit. After the limit is successfully adjusted, the system reloads the transfer page and displays the previously entered recipient's account number, transfer amount, and other information. User A can then click "Confirm Transfer" to complete the transaction without having to re-enter the previously entered information.
[0075] Step 210: respond to the transaction execution request initiated by the user on the transaction page and execute the transaction based on the transaction data and the target limit.
[0076] The system responds to a transaction execution request initiated by a user on the transaction page. This means that once the user completes all necessary information and operations on the transaction page (such as entering the payee information and transaction amount), and clicks the "Submit" or "Confirm" button to execute the transaction, the system will begin processing the request. The system executes the transaction based on transaction data and target limits, meaning that the system comprehensively considers the various information entered by the user on the transaction page (i.e., transaction data) and the previously set target limits to finalize the transaction. The system will perform a series of verification and processing procedures on this information to ensure that the transaction complies with all established rules and restrictions before completing the transaction.
[0077] For example, a user enters the transfer amount, recipient account number, and other information (i.e., transaction data) on a bank transfer page and adjusts the transfer limit to the target limit. When the user clicks the "Transfer" button, the system responds to this transaction request and performs the transfer based on the user's information and target limit. If all verifications pass, the transfer is successfully completed.
[0078] The following combination Figure 3 Taking the transfer application scenario as an example, the transaction limit adjustment method provided by the embodiment of the present invention is introduced. Assume that the entire transfer transaction includes the transaction submission stage and the transaction signature verification stage, both of which involve transaction limits.
[0079] On the transaction submission page, users can select or enter the payment account for the transfer. The system will query and display the transaction limits for the selected payment account. The system will determine whether the account limit adjustment is necessary based on the payment account's transaction limit and the transfer amount. If the payment account's transaction limit is less than the transfer amount, a limit adjustment is necessary. A "Limit Adjustment Button" will be displayed under the payment account to prompt the user to adjust the limit. Clicking this button will automatically redirect the user to the limit adjustment page for the account. Once the user has modified the limit, the system will automatically return to the transaction submission page. The previously entered transaction information, including the paying account, receiving account, and transaction amount, will remain. The user does not need to re-enter the information and can continue to fill in the remaining transaction information. After completing the information, the transaction request can be submitted. Conversely, if the payment account's transaction limit is greater than or equal to the transfer amount, a limit adjustment is not necessary. The "Limit Adjustment Button" will not be displayed under the payment account. The user can continue to fill in the transaction information on the submission page and submit the transaction request.
[0080] After the user submits a transaction request, the system will proceed to the transaction verification page to verify the integrity and security of the transaction information. On this page, the user can select the medium to be used for the transaction. The system will query and display the transaction limit for the selected medium. Similarly, the system will determine whether the medium limit needs to be adjusted based on the transaction limit of the selected medium and the transfer amount. If the transaction limit of the selected medium is less than the transfer amount, the system will display a "Limit Adjustment Button" under the selected medium to prompt the user to adjust the medium limit. The user clicks the "Limit Adjustment Button" under the selected medium, and the system automatically redirects to the medium limit adjustment page for the user to adjust the limit. The user then enters the limit adjustment page to modify the medium limit. Once the modification is complete, the system automatically returns to the transaction verification page. Previously entered transaction data, such as the transaction amount and payment password, remains retained and the user does not need to re-enter it. The user can continue to fill in the other information required for verification and submit the verification request. On the contrary, if the transaction limit of the selected medium is greater than or equal to the transfer amount, it is determined that there is no need to adjust the medium limit. The "Limit Adjustment Button" can be displayed under the selected medium. The user continues to fill in other information required for signature verification. After completing the information, submit the signature verification request.
[0081] During both the transaction submission and signature verification stages, the transaction limits for accounts or media can be adjusted as needed. The system provides corresponding limit adjustment buttons and pages, allowing users to easily adjust limits to ensure smooth transaction completion.
[0082] In this embodiment, by adding a limit adjustment function to the transaction page, the transaction limit can be adjusted during the transaction process, so that the user does not need to interrupt the transaction process, thereby significantly improving the success rate of the transaction and effectively solving the problem of transaction failure caused by limit issues in the traditional transaction process; the transaction data is saved when the limit is adjusted, and the transaction page is reloaded and the transaction data is automatically filled in after the limit adjustment is completed, so that the user does not need to repeatedly input it, which greatly simplifies the operation process, improves the convenience and smoothness of the operation, and enables users to complete transactions more quickly, thereby enhancing user satisfaction with financial business operations.
[0083] Figure 4 FIG. 1 is a structural diagram of a transaction limit adjustment device provided by an embodiment of the present invention. Figure 4 As shown, the device includes:
[0084] The first response module 401 is used to respond to the limit adjustment request initiated by the user on the transaction page, save the transaction data of the transaction page and display the limit adjustment page;
[0085] The limit adjustment module 402 is configured to adjust the original limit of the transaction to the target limit according to the limit adjustment operation performed by the user on the limit adjustment page;
[0086] The page loading module 403 is used to reload the transaction page and fill the saved transaction data back into the transaction page;
[0087] The second response module 404 is used to respond to the transaction execution request initiated by the user on the transaction page and execute the transaction based on the transaction data and the target limit.
[0088] In one embodiment, the first response module 401 responds to a limit adjustment request initiated by a user on a transaction page, including:
[0089] Identify the limit type that needs to be adjusted and obtain the target type limit;
[0090] Display limit adjustments for target type limits on the transaction page;
[0091] Respond to the limit adjustment request initiated by the user on the transaction page by triggering the limit adjustment item for the target type limit.
[0092] In one embodiment, the first response module 401 identifies the quota type that needs to be adjusted and obtains the target type quota, including:
[0093] Get the transaction account and transaction amount of this transaction;
[0094] Query the original limit of this transaction based on the trading account;
[0095] In the case where the original limit is lower than the transaction amount, the target type limit is determined to be the account limit.
[0096] In one embodiment, the first response module 401 identifies the quota type that needs to be adjusted and obtains the target type quota, including:
[0097] Identify the transaction medium selected by the user on the transaction page and obtain the transaction amount;
[0098] Query the original limit of this transaction based on the transaction medium;
[0099] When the original limit is lower than the transaction amount, the target type limit is determined to be the medium limit.
[0100] In one embodiment, after querying the original limit of the current transaction, the first response module 401 further includes:
[0101] The original limit of this transaction is displayed on the transaction page.
[0102] In one embodiment, the limit adjustment module 402 adjusts the original limit of the transaction to the target limit according to the limit adjustment operation performed by the user on the limit adjustment page, including:
[0103] Obtain reference data for limit adjustments;
[0104] Determine candidate limits based on limit adjustment reference data and display the candidate limits on the limit adjustment page;
[0105] The original limit of this transaction is adjusted to the target limit based on the user's selection of the candidate limit on the limit adjustment page.
[0106] In one embodiment, before reloading the transaction page, the page loading module 403 further includes:
[0107] Verify target limits;
[0108] If the verification passes, reload the transaction page.
[0109] Those skilled in the art will clearly understand that for the sake of convenience and brevity of description, only the division of the above-mentioned functional modules is used as an example for illustration. In actual applications, the above-mentioned functions can be assigned to different functional modules as needed, that is, the internal structure of the device can be divided into different functional modules to complete all or part of the functions described above. The specific working process of the functional modules described above can refer to the corresponding process in the aforementioned method embodiment and will not be repeated here.
[0110] The device of the embodiment of the present invention, by adding a limit adjustment function to the transaction page, can adjust the transaction limit during the transaction process, so that the user does not need to interrupt the transaction process, thereby significantly improving the success rate of the transaction and effectively solving the problem of transaction failure caused by limit issues in the traditional transaction process; saving transaction data when adjusting the limit, and reloading the transaction page after the limit adjustment is completed and automatically filling in the transaction data, so that the user does not need to repeatedly input, which greatly simplifies the operation process, improves the convenience and smoothness of the operation, and enables users to complete transactions more quickly, thereby enhancing user satisfaction with financial business operations.
[0111] Reference below Figure 5 , which shows a schematic structural diagram of a computer system 500 of an electronic device suitable for implementing an embodiment of the present invention. Figure 5 The electronic device shown is only an example and should not limit the functions and scope of use of the embodiments of the present invention.
[0112] like Figure 5 As shown, the computer system 500 includes a central processing unit (CPU) 501, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 502 or a program loaded from a storage unit 508 into a random access memory (RAM) 503. Various programs and data required for the operation of the computer system 500 are also stored in the RAM 503. The CPU 501, the ROM 502, and the RAM 503 are connected to each other via a bus 504. An input / output (I / O) interface 505 is also connected to the bus 504.
[0113] The following components are connected to the I / O interface 505: an input section 506 including a keyboard, a mouse, and the like; an output section 507 including devices such as a cathode ray tube, a liquid crystal display, and a speaker; a storage section 508 including devices such as a hard disk; and a communication section 509 including a network interface card such as a modem. The communication section 509 performs communication processing via a network such as the Internet. A drive 510 is also connected to the I / O interface 505 as needed. Removable media 511, such as a magnetic disk, an optical disk, a magneto-optical disk, or a semiconductor memory, is installed in the drive 510 as needed, so that computer programs read from the removable media can be installed in the storage section 508 as needed.
[0114] In particular, according to the embodiments disclosed in the present invention, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, the embodiments disclosed in the present invention include a computer program product comprising a computer program carried on a computer-readable medium, the computer program comprising program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network via the communication section 509, and / or installed from a removable medium 511. When the computer program is executed by the central processing unit (CPU) 501, the above-mentioned functions defined in the system of the present invention are performed.
[0115] It should be noted that the computer-readable medium described in the present invention may be a computer-readable signal medium or a computer-readable storage medium, or any combination thereof. Computer-readable storage media may be, for example, but not limited to, electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, devices, or components, or any combination thereof. More specific examples of computer-readable storage media may include, but are not limited to, an electrical connection having one or more conductors, a portable computer disk, a hard disk, random access memory, read-only memory, erasable programmable read-only memory, optical fiber, a portable compact disk read-only memory, an optical storage device, a magnetic storage device, or any suitable combination thereof. In the present invention, a computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, device, or component. In the present invention, a computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code. This propagated data signal may take a variety of forms, including, but not limited to, electromagnetic signals, optical signals, or any suitable combination thereof. A computer-readable signal medium may also be any computer-readable medium other than a computer-readable storage medium that can transmit, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer-readable medium may be transmitted using any suitable medium, including but not limited to wireless, wired, optical cable, or any suitable combination thereof.
[0116] The flowcharts and block diagrams in the accompanying drawings illustrate the possible implementation architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present invention. In this regard, each box in the flowchart or block diagram can represent a module, program segment, or a part of code, and the above-mentioned module, program segment, or a part of code contains one or more executable instructions for implementing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in an order different from that marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flowchart, and the combination of boxes in the block diagram or flowchart, can be implemented with a dedicated hardware-based system that performs the specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.
[0117] The modules and / or units described in the embodiments of the present invention may be implemented in software or hardware. The modules and / or units described may also be provided in a processor. For example, a processor may be described as comprising a first response module, a limit adjustment module, a page loading module, and a second response module. The names of these modules do not, in some cases, limit the modules themselves.
[0118] As another aspect, the present invention further provides a computer-readable medium, which may be included in the device described in the above embodiments, or may exist independently without being incorporated into the device. The computer-readable medium carries one or more programs, and when the one or more programs are executed by the device, the device includes:
[0119] Respond to the limit adjustment request initiated by the user on the transaction page, save the transaction data on the transaction page and display the limit adjustment page; adjust the original limit of this transaction to the target limit based on the limit adjustment operation performed by the user on the limit adjustment page; reload the transaction page and fill the saved transaction data back into the transaction page; respond to the transaction execution request initiated by the user on the transaction page, and execute this transaction based on the transaction data and the target limit.
[0120] The technical solution of the embodiment of the present invention, by adding a limit adjustment function to the transaction page, can adjust the transaction limit during the transaction process, so that users do not need to interrupt the transaction process, thereby significantly improving the success rate of transactions and effectively solving the problem of transaction failure caused by limit issues in traditional transaction processes; saving transaction data when adjusting the limit, and reloading the transaction page after the limit adjustment is completed and automatically filling in the transaction data, so that users do not need to repeatedly input, which greatly simplifies the operation process, improves the convenience and smoothness of the operation, and enables users to complete transactions more quickly, thereby enhancing user satisfaction with financial business operations.
[0121] An embodiment of the present invention further provides a computer program product, comprising a computer program, which, when executed by a processor, implements the transaction limit adjustment method provided in any embodiment of the present invention.
[0122] The computer program product may be implemented by writing computer program code for performing the operations of the present invention in one or more programming languages, or a combination thereof, including object-oriented programming languages and conventional procedural programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a standalone software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In cases involving a remote computer, the remote computer may be connected to the user's computer via any type of network, including a local area network or a wide area network, or may be connected to an external computer (e.g., via the Internet using an Internet service provider).
[0123] 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.
[0124] It should be noted that the collection, use, storage, sharing, and transfer of user personal information involved in the technical solution of this invention complies with relevant laws and regulations, and requires notification to the user and obtaining their consent or authorization. Where applicable, user personal information is de-identified and / or anonymized and / or encrypted. Furthermore, a corresponding operation interface is provided for users to choose to agree or reject the automated decision-making results; if the user chooses to reject, the expert decision-making process will be entered.
[0125] 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 occur depending 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 transaction limit adjustment method, characterized in that: include: Respond to limit adjustment requests initiated by users on the transaction page, save the transaction data on the transaction page and display the limit adjustment page; Adjust the original limit of this transaction to the target limit based on the limit adjustment operation performed by the user on the limit adjustment page; Reload the transaction page and fill the saved transaction data back into the transaction page; Respond to the transaction execution request initiated by the user on the transaction page and execute the transaction based on the transaction data and target limit.
2. The method according to claim 1, characterized in that Respond to limit adjustment requests initiated by users on the transaction page, including: Identify the limit type that needs to be adjusted and obtain the target type limit; Display limit adjustments for target type limits on the transaction page; Respond to the limit adjustment request initiated by the user on the transaction page by triggering the limit adjustment item for the target type limit.
3. The method according to claim 2, characterized in that Identify the limit type that needs to be adjusted and obtain the target limit type, including: Get the transaction account and transaction amount of this transaction; Query the original limit of this transaction based on the trading account; In the case where the original limit is lower than the transaction amount, the target type limit is determined to be the account limit.
4. The method according to claim 2, characterized in that Identify the limit type that needs to be adjusted and obtain the target limit type, including: Identify the transaction medium selected by the user on the transaction page and obtain the transaction amount; Query the original limit of this transaction based on the transaction medium; When the original limit is lower than the transaction amount, the target type limit is determined to be the medium limit.
5. The method according to claim 3 or 4, characterized in that After checking the original limit of this transaction, it also includes: The original limit of this transaction is displayed on the transaction page.
6. The method according to claim 1, characterized in that The original limit of this transaction is adjusted to the target limit based on the limit adjustment operation performed by the user on the limit adjustment page, including: Obtain reference data for limit adjustments; Determine candidate limits based on limit adjustment reference data and display the candidate limits on the limit adjustment page; The original limit of this transaction is adjusted to the target limit based on the user's selection of the candidate limit on the limit adjustment page.
7. The method according to claim 1, characterized in that Before reloading the transaction page, also include: Verify target limits; If the verification passes, trigger the execution of reloading the transaction page.
8. An electronic device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the program, the transaction limit adjustment method as described in any one of claims 1 to 7 is implemented.
9. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the transaction limit adjustment method according to any one of claims 1 to 7 is implemented.
10. A computer program product, characterized in that The computer program product comprises a computer program, which implements the transaction limit adjustment method according to any one of claims 1 to 7 when executed by a processor.