Cross-platform dynamic management and control method and system fusing double-limit mechanism

Abstract

The invention belongs to the technical field of data processing, and provides a cross-platform dynamic management and control method and system fusing a double-quota mechanism, and the technical scheme is as follows: establishing an association relationship between a corresponding expenditure management quota of each user on each platform and all credit accounts; when a single credit line expenditure request is received, verification is carried out based on the association relationship between the expenditure management line corresponding to each platform and all credit accounts of each user, and a corresponding expenditure control strategy is generated according to a verification result; and when a plurality of credit line expenditure requests concurrently initiated by different channels are received, generating a corresponding expenditure control strategy according to a concurrency verification mechanism. And the flexibility and adaptability of limit management are improved.

Description

Technical Field

[0001] This invention belongs to the field of data processing technology, and in particular relates to a cross-platform dynamic management and control method and system that integrates a dual-limit mechanism. Background Technology The statements in this section are merely background information related to the present invention and do not necessarily constitute prior art.

[0002] Traditional credit limit management systems primarily focus on independent credit control for a single platform or business line, achieving basic risk control through lifecycle management of credit limit creation, usage, and release. However, this approach has the following drawbacks: 1. Credit data for the same user is stored in different sub-platforms (such as consumer finance and supply chain finance), and each platform independently calculates the credit limit usage, which makes it impossible to monitor the customer's total exposure risk in real time and results in the problem of cross-platform credit limit fragmentation. 2. When a user makes payments on multiple platforms simultaneously, the lack of an aggregated calculation mechanism may exceed the preset maximum risk tolerance value, resulting in the risk of over-credit. 3. The current method of centralized management through unified credit granting is only applicable to specific scenarios of the same business and cannot solve the complex linkage control between multiple business platforms within an enterprise. Summary of the Invention

[0003] To address at least one of the technical problems mentioned above, this invention provides a cross-platform dynamic management and control method and system that integrates a dual-limit mechanism. Regardless of how users make payments in different ways, the system can uniformly control the total limit, greatly improving the flexibility and adaptability of limit management.

[0004] To achieve the above objectives, the present invention adopts the following technical solution: A first aspect of the present invention provides a dual-threshold collaborative control method for credit limits and management limits, comprising the following steps: Establish the connection between each user's spending management limit on each platform and all authorized accounts; When a single credit limit withdrawal request is received, the system verifies the user's withdrawal management limit on each platform and the relationship between the user and all credit accounts, and generates a corresponding withdrawal control policy based on the verification result. When multiple credit limit withdrawal requests are received concurrently from different channels, a corresponding withdrawal control policy is generated based on the concurrency verification mechanism.

[0005] Furthermore, establishing the association between each user's spending management limit on each platform and all authorized accounts includes: Configure and manage different spending limits for each user across different companies and product lines. Obtain the characteristics of credit users in the product line and dynamically adjust the corresponding disbursement management limits; Each user's differentiated credit limit configuration across different companies and product lines is linked to all corresponding credit limit accounts of those companies, forming a one-to-many credit limit management structure.

[0006] Furthermore, when a single credit limit withdrawal request is received, the verification is performed based on the withdrawal management limit corresponding to each user on each platform and the association relationship of all credit accounts, including: Verify the available credit limit of the credit limit account corresponding to this request. Compare the total used credit limit and the managed credit limit of all credit limit accounts of the user under the corresponding enterprise. If the total used credit limit does not exceed the corresponding managed credit limit, the current withdrawal operation is allowed; otherwise, the current withdrawal request is rejected.

[0007] Furthermore, when multiple credit limit withdrawal requests are received concurrently from different channels, for each credit limit withdrawal request, a corresponding withdrawal control strategy is generated according to the concurrency verification mechanism, including: When a user initiates a withdrawal request through Channel 1, a distributed lock is generated based on the customer number and the operation type. If a user initiates a withdrawal request concurrently through other channels at this time, the system will immediately perform a lock check, lock the target account, and prevent other channels from making concurrent operation requests. Multiple concurrent withdrawal requests will fail and return directly. Only the request from the channel that successfully acquires the lock can continue to perform the quota check: if the available quota is sufficient, the deduction will be completed and the transaction will be committed, the lock will be released, and a success will be returned; if the quota is insufficient, the transaction will be rolled back to release the lock resource.

[0008] Furthermore, after the withdrawal operation is completed, the withdrawal limit and remaining balance of the management limit for all related accounts are updated synchronously.

[0009] Furthermore, when the difference between a customer's total spending limit and the warning threshold for the managed spending limit exceeds a set threshold, a risk control warning is automatically triggered, notifying relevant management personnel or automatically restricting some high-risk spending operations.

[0010] A second aspect of the present invention provides a cross-platform dynamic management and control system integrating a dual-limit mechanism, comprising: The credit limit association module is used to establish the association between each user's corresponding spending management limit on each platform and all authorized accounts; The dynamic management module is used to verify the credit limit management limit of each user on each platform and the relationship between all credit accounts when a single credit limit withdrawal request is received, and generate a corresponding withdrawal control policy based on the verification result; when multiple credit limit withdrawal requests are received concurrently from different channels, a corresponding withdrawal control policy is generated based on the concurrency verification mechanism.

[0011] A third aspect of the present invention provides a computer-readable storage medium.

[0012] A computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the steps of the cross-platform dynamic management method with integrated dual-limit mechanism as described above.

[0013] A fourth aspect of the present invention provides a computer device.

[0014] A computer device includes a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the program to implement the steps of the cross-platform dynamic management method with integrated dual-limit mechanism as described above.

[0015] The fifth aspect of the present invention provides a program product, which is a computer program product, including a computer program that, when executed by a processor, implements the steps in the cross-platform dynamic management and control method with integrated dual-limit mechanism as described above.

[0016] Compared with the prior art, the beneficial effects of the present invention are: 1. This invention introduces a management limit. Each time a user initiates a credit line withdrawal, the system not only verifies the available credit limit of the current account but also dynamically calculates the cumulative withdrawal limit of all related accounts and compares it with the management limit. Only if the cumulative withdrawal limit does not exceed the management limit will the withdrawal operation be allowed. This allows for real-time monitoring and restriction of the total withdrawal limit of all credit accounts under the same company, avoiding the risk of credit limit accumulation caused by withdrawals from multiple accounts. Even if the individual withdrawal limit of each account does not exceed the limit, once the total exceeds the management limit, the system will automatically block subsequent withdrawals, ensuring that the overall risk remains within a controllable range. This mechanism effectively prevents risk exposure caused by dispersed withdrawals from multiple accounts.

[0017] 2. This invention is applicable to complex scenarios where users obtain credit limits through various platforms, products, and channels within the same company. Regardless of how users disperse their spending, the system maintains unified overall control over the credit limit, greatly improving the flexibility and adaptability of credit limit management. Because the system performs dual verification (single account limit + managed limit) before each withdrawal, even if a user attempts to circumvent the single account limit by making withdrawals in batches through multiple accounts, they cannot exceed the overall control threshold of the managed limit, fundamentally eliminating the risk of credit limit abuse and irregular operations. This invention, through dual control of managed and granted credit limits, achieves global risk prevention and control for credit withdrawals across multiple accounts and platforms, greatly improving the security, compliance, and flexibility of financial services, and has broad practical application value and promising prospects for promotion.

[0018] Advantages of additional aspects of the invention will be set forth in part in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. Attached Figure Description

[0019] The accompanying drawings, which form part of this invention, are used to provide a further understanding of the invention. The illustrative embodiments of the invention and their descriptions are used to explain the invention and do not constitute an improper limitation of the invention.

[0020] Figure 1 This is a flowchart of a cross-platform dynamic management and control method that integrates a dual-limit mechanism, provided in an embodiment of the present invention. Figure 2 This is a disbursement control strategy provided by an embodiment of the present invention when a single credit limit disbursement request is received; Figure 3 This invention provides a disbursement control strategy for receiving multiple credit limit disbursement requests initiated concurrently from different channels. Detailed Implementation

[0021] The present invention will be further described below with reference to the accompanying drawings and embodiments.

[0022] It should be noted that the following detailed description is illustrative and intended to provide further explanation of the invention. Unless otherwise specified, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention pertains.

[0023] It should be noted that the terminology used herein is for the purpose of describing particular embodiments only and is not intended to limit the scope of exemplary embodiments according to the invention. As used herein, the singular form is intended to include the plural form as well, unless the context clearly indicates otherwise. Furthermore, it should be understood that when the terms "comprising" and / or "including" are used in this specification, they indicate the presence of features, steps, operations, devices, components, and / or combinations thereof.

[0024] This invention introduces a managed credit limit. Each time a user initiates a credit limit withdrawal, the system not only verifies the available credit limit of the current account but also dynamically calculates the cumulative withdrawal limit of all related accounts and compares it with the managed credit limit. The withdrawal is only permitted if the cumulative withdrawal limit does not exceed the managed limit. This ensures that every withdrawal is under the system's full monitoring, making the process more transparent and compliant. It can monitor and limit the total withdrawal limit of all credit accounts under the same company in real time, avoiding the risk of credit limit accumulation caused by multiple accounts withdrawing separately. Even if each account's individual withdrawal limit is within the limit, if the total exceeds the managed credit limit, the system will automatically block subsequent withdrawals, ensuring that the overall risk remains within a controllable range. This mechanism effectively prevents risk exposure caused by dispersed withdrawals from multiple accounts.

[0025] This invention is applicable to complex scenarios where users obtain credit limits through various platforms, products, and channels within the same company. Regardless of how users disperse their spending, the system maintains unified overall control over the credit limit, significantly improving the flexibility and adaptability of credit limit management. Because the system performs dual verification (single account limit + managed limit) before each withdrawal, even if a user attempts to circumvent single account limits by making withdrawals in batches through multiple accounts, they cannot exceed the overall control threshold of the managed limit, fundamentally eliminating the risk of credit limit abuse and irregular operations. This invention, through dual control of managed and granted credit limits, achieves comprehensive risk prevention and control for credit withdrawals across multiple accounts and platforms, greatly enhancing the security, compliance, and flexibility of financial services, and possesses broad practical application value and promising prospects for promotion.

[0026] Example 1 Please refer to Figure 1 This embodiment provides a cross-platform dynamic management method that integrates a dual-limit mechanism, including the following steps: Step 1: Establish the association between each user's spending management limit on each platform and all authorized accounts; Specifically, the steps include the following: Step 101: Configure different spending limits for each user across different companies and product lines; Different companies and product lines have different limits on the total spending limit for different users, so the management limit also needs to be configured differently. In this embodiment, a tree structure is used when configuring the spending management limit. For example, a certain product line of a company requires that the total spending limit of a current user cannot exceed 100,000. In the limit rule configuration, the product line configures the management limit root level as 100,000, the corresponding management limit level 1 as 100,000, and the corresponding management limit level 2 as 100,000. When user A registers a limit that is the limit of the current product line, the personal management limit automatically inherits the product line limit rule of 100,000, decoupling it from the actual registered limit of 200,000 for user A. When the user spends the limit, the system verifies that the maximum personal management limit that can be spent is 100,000. Step 102: Obtain the characteristics of credit users in the product line and dynamically adjust the corresponding spending management limits; When data analysis shows that Customer A has good credit and strong repayment ability, it is necessary to adjust the personal management limit so that the customer can continue to use it. The user's personal management limit can be dynamically configured to 200,000, so the customer can continue to use the remaining 100,000 limit.

[0027] In this embodiment, the user's creditworthiness and repayment ability can be determined by business personnel or through analysis based on existing algorithms; In addition, when data analysis shows that all credit customers in the current product line are high-quality customers, and the business believes that the 100,000 yuan management limit is no longer sufficient, continuing to use the current configuration will limit the current loan amount. The management limit rule configuration value can be updated to a higher default value. Then, when the user is granted a credit limit in the current product, the personal management limit will inherit the higher value of the new configuration.

[0028] Step 103: Link each user's differentiated credit management limit across different companies and product lines with all corresponding credit limit accounts of those companies to form a one-to-many credit management structure; In this embodiment, a credit limit rule tree is configured, and based on the configured credit limit rule tree, a corresponding management credit limit is established in the credit limit rule tree in combination with the credit limit application of the same user through multiple channels. Specifically, configure the credit limit rule tree, with the Root level as the root node of the rule tree, level one as the parent node, level two as the child node, and level three as the credit limit code for the business credit limit. Assuming that the configured level one is A (100,000), level two is AA (100,000), and level three is AAA (credit limit code), then when a user applies for credit, if the credit limit code is AAA, then after the credit is granted successfully, an AAA personal credit limit will be established, and a management credit limit will also be established at the same time. Specifically, based on the configuration-based limit setting rule tree, and combined with multiple credit limit application requests from the same user through various channels, corresponding management limits are established in the limit setting rule tree. This includes: First, configure the credit limit rule tree. The Root level is set to the root node of the rule tree with a value of 200,000. Level 1 is the parent node with a value of 100,000, Level 2 is the child node with a value of 100,000, and Level 3 is the credit limit code for the business limit. For the first credit grant, the credit limit in the business limit is 50,000. After the first credit grant, in the management limit, the Root level is 200,000, Level 1 is 100,000, and Level 2 is 100,000. For the second credit grant, the credit limit in the business limit is 90,000. After the second credit grant, in the management limit, the Root level is 200,000, Level 1 is 100,000, and Level 2 is 100,000. For the third credit grant, the credit limit in the business limit is 80,000. After the third credit grant, in the management limit, the Root level is 200,000, Level 1 is 100,000, and Level 2 is 100,000. This invention allows for setting different management limits and verification rules based on multiple dimensions such as company, customer, product, and channel, and supports dynamic adjustment of management limits to meet the needs of different business scenarios and risk strategies.

[0029] Step 2: When a single credit limit withdrawal request is received, the system verifies the withdrawal management limit for each user on each platform and the relationship between the limit and all credit accounts. Based on the verification result, a corresponding withdrawal control policy is generated. When multiple credit limit withdrawal requests are received concurrently from different channels, a corresponding withdrawal control policy is generated for each credit limit withdrawal request based on the concurrency verification mechanism. This invention verifies the managed credit limit before each withdrawal. Specifically, when a user initiates a credit limit withdrawal request for any account, the system not only verifies the available credit limit of that account but also checks in real-time whether the sum of the withdrawal limits for all accounts exceeds the managed limit. If the total credit limit is exceeded after withdrawal, the withdrawal is rejected. To prevent the risk of credit limit exceeding the limit due to concurrent withdrawals, the system employs distributed locks or atomic operation mechanisms to ensure the atomicity of credit limit verification and deduction operations, preventing credit limit penetration under concurrent conditions.

[0030] Please refer to Figure 2 When a single credit limit withdrawal request is received, the system verifies the withdrawal management limit for each user on each platform and the association between the limit and all credit accounts. Based on the verification result, a corresponding withdrawal control policy is generated, specifically including: When a user initiates a withdrawal request, a distributed lock is generated based on the customer number and operation type. If the lock is successfully acquired, the available credit limit of the corresponding credit account is checked. If the credit limit is met, the withdrawn credit limit and management credit limit of all credit accounts of the user under the corresponding enterprise are compared. If the total withdrawn credit limit does not exceed the corresponding withdrawal management credit limit, the withdrawal operation is allowed; otherwise, the withdrawal request is rejected. This invention treats the management limit as a global limit independent of each credit account, dynamically constraining the total spending limit of all accounts. The limit verification logic not only verifies the limit of a single account, but also verifies the sum of the spending limits of all accounts in real time, preventing the total limit from being exceeded due to the dispersed spending of the limit.

[0031] Please refer to Figure 3 When multiple credit limit withdrawal requests are received concurrently from different channels, a corresponding withdrawal control policy is generated for each credit limit withdrawal request based on the concurrency verification mechanism; specifically, the following steps are included: When a user initiates a withdrawal request in Channel 1 (operation type is occupancy), a distributed lock is generated based on the customer number and operation type. If a user initiates a concurrent withdrawal request from other channels, the system will immediately perform a distributed lock check, locking the target account and preventing concurrent operation requests from other channels. Since the target account is currently held by Channel 1, the lock is already occupied by Channel 1, and multiple concurrent withdrawal requests will fail immediately. Only requests from Channel 1 that successfully acquire the lock can continue with the credit limit check: if the available credit is sufficient, the deduction is completed, the transaction is committed, the lock is released, and a success message is returned; if the credit is insufficient, a transaction rollback is triggered to release the lock resource. This mechanism effectively avoids the risk of over-spending in concurrent scenarios.

[0032] Specifically, if the amount is insufficient, a transaction rollback will be triggered to release the lock resources, including: If excessive spending is strictly prohibited (such as credit payments), return an error directly and release the locked resources; If the remaining amount (such as wallet balance) is allowed to be used, the available portion will be deducted, and the actual successful amount will be returned. If the temporary credit limit is insufficient and funds (to a corporate account) need to be transferred, record the pending request and trigger it asynchronously once the funds are in place. It can provide refined handling for insufficient credit limits, thereby improving the user experience.

[0033] In this embodiment, the process of generating a distributed lock based on the client number and operation type includes: Determine the type of operation; if it is `USED`, proceed with the lock acquisition process. After entering the lock acquisition process, the lock key is constructed. The lock key is composed of a fixed prefix and the customer number, for example: `risk:credit:limit:C202508130001` Get the Redis lock: lock = getLock(custNo, creditLimitRegisterRedisLockTimeout, TimeUnit.SECONDS, occupancyRetryTimes, occupancySleepTime) Call the getLock method to acquire a Redis distributed lock. Set the lock timeout to creditLimitRegisterRedisLockTimeout seconds, the time unit to seconds (TimeUnit.SECONDS), the number of retries to occupancyRetryTimes, and the retry interval to occupancySleepTime.

[0034] This invention uses distributed locks, atomic transactions, and other technologies to ensure the consistency of spending limits in scenarios where multiple accounts are used concurrently.

[0035] Furthermore, after the withdrawal operation is completed, the withdrawal limit and remaining balance of the managed limit of all related accounts are updated synchronously. Furthermore, when the difference between the customer's total spending limit and the warning threshold of the managed spending limit F exceeds the set threshold, the system automatically triggers a risk control warning, notifies relevant management personnel, or automatically restricts some high-risk spending operations.

[0036] Example 2 This embodiment provides a cross-platform dynamic management and control system that integrates a dual-limit mechanism, including: The credit limit association module is used to establish the association between each user's corresponding spending management limit on each platform and all authorized accounts; The dynamic management module is used to verify the credit limit management limit of each user on each platform and the relationship between all credit accounts when a single credit limit withdrawal request is received, and generate a corresponding withdrawal control policy based on the verification result; when multiple credit limit withdrawal requests are received concurrently from different channels, a corresponding withdrawal control policy is generated based on the concurrency verification mechanism.

[0037] It should be noted that the specific implementation of the cross-platform dynamic management and control system integrating the dual-limit mechanism in this embodiment of the invention is similar to the specific implementation of the cross-platform dynamic management and control method integrating the dual-limit mechanism in this embodiment of the invention. For details, please refer to the description in the method section. To reduce redundancy, it will not be repeated here.

[0038] Example 3 This embodiment provides a computer-readable storage medium storing a computer program that, when executed by a processor, implements the steps in the cross-platform dynamic management method with integrated dual-limit mechanism described above.

[0039] Example 4 This embodiment provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the program, it implements the steps in the cross-platform dynamic management method with integrated dual-limit mechanism as described above.

[0040] Example 5 This embodiment provides a program product, which is a computer program product including a computer program. When the computer program is executed by a processor, it implements the steps in the cross-platform dynamic management and control method with integrated dual-limit mechanism as described above.

[0041] Those skilled in the art will understand that embodiments of the present invention can be provided as methods, systems, or computer program products. Therefore, the present invention can take the form of hardware embodiments, software embodiments, or embodiments combining software and hardware aspects. Furthermore, the present invention can take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage and optical storage) containing computer-usable program code.

[0042] This invention is described with reference to flowchart illustrations and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each block of the flowchart illustrations and / or block diagrams, and combinations of blocks in the flowchart illustrations and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, generate instructions for implementing the flowchart illustrations and / or block diagrams. Figure 1 One or more processes and / or boxes Figure 1 A device that provides the functions specified in one or more boxes.

[0043] These computer program instructions may also be stored in a computer-readable storage medium that can direct a computer or other programmable data processing device to function in a particular manner, such that the instructions stored in the computer-readable storage medium produce an article of manufacture including instruction means, which are implemented in a process Figure 1 One or more processes and / or boxes Figure 1 The function specified in one or more boxes.

[0044] These computer program instructions may also be loaded onto a computer or other programmable data processing equipment to cause a series of operational steps to be performed on the computer or other programmable equipment to produce a computer-implemented process, thereby providing instructions that execute on the computer or other programmable equipment for implementing the process. Figure 1 One or more processes and / or boxes Figure 1 The steps of the function specified in one or more boxes.

[0045] Those skilled in the art will understand that all or part of the processes in the above embodiments can be implemented by a computer program instructing related hardware. The program can be stored in a computer-readable storage medium, and when executed, it can include the processes of the embodiments of the above methods. The storage medium can be a magnetic disk, optical disk, read-only memory (ROM), or random access memory (RAM), etc.

[0046] The above description is merely a preferred embodiment of the present invention and is not intended to limit the invention. Various modifications and variations can be made to the present invention by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of the present invention should be included within the scope of protection of the present invention.

Claims

1. A cross-platform dynamic management and control method integrating dual-limit mechanisms, characterized in that, Includes the following steps: Establish the connection between each user's spending management limit on each platform and all authorized accounts; When a single credit limit withdrawal request is received, the system verifies the user's withdrawal management limit on each platform and the relationship between the user and all credit accounts, and generates a corresponding withdrawal control policy based on the verification result. When multiple credit limit withdrawal requests are received concurrently from different channels, a corresponding withdrawal control policy is generated based on the concurrency verification mechanism.

2. The cross-platform dynamic management and control method integrating dual quota mechanisms as described in claim 1, characterized in that, The establishment of the association between each user's spending management limit on each platform and all authorized accounts includes: Configure and manage different spending limits for each user across different companies and product lines. Obtain the characteristics of credit users in the product line and dynamically adjust the corresponding disbursement management limits; Each user's differentiated credit limit configuration across different companies and product lines is linked to all corresponding credit limit accounts of those companies, forming a one-to-many credit limit management structure.

3. The cross-platform dynamic management and control method integrating a dual-limit mechanism as described in claim 1, characterized in that, When a single credit limit withdrawal request is received, the system performs verification based on the withdrawal management limit for each user on each platform and the association relationship between all credit accounts, including: Verify the available credit limit of the credit limit account corresponding to this request. Compare the total used credit limit and the managed credit limit of all credit limit accounts of the user under the corresponding enterprise. If the total used credit limit does not exceed the corresponding managed credit limit, the current withdrawal operation is allowed; otherwise, the current withdrawal request is rejected.

4. The cross-platform dynamic management and control method integrating dual quota mechanisms as described in claim 1, characterized in that, When multiple credit limit withdrawal requests are received concurrently from different channels, for each credit limit withdrawal request, a corresponding withdrawal control strategy is generated according to the concurrency verification mechanism, including: When a user initiates a withdrawal request through Channel 1, a distributed lock is generated based on the customer number and the operation type. If a user initiates a withdrawal request concurrently through other channels at this time, the system will immediately perform a lock check, lock the target account, and prevent other channels from making concurrent operation requests. Multiple concurrent withdrawal requests will fail and return directly. Only the request from the channel that successfully acquires the lock can continue to perform the quota check: if the available quota is sufficient, the deduction will be completed and the transaction will be committed, the lock will be released, and a success will be returned; if the quota is insufficient, the transaction will be rolled back to release the lock resource.

5. The cross-platform dynamic management and control method integrating a dual-limit mechanism as described in claim 1, characterized in that, After the withdrawal operation is completed, the withdrawal limit and remaining balance of the managed limit of all related accounts will be updated synchronously.

6. The cross-platform dynamic management and control method integrating a dual-limit mechanism as described in claim 1, characterized in that, When the difference between a customer's total spending limit and the warning threshold for the managed spending limit exceeds the set threshold, a risk control warning will be automatically triggered, notifying relevant management personnel or automatically restricting some high-risk spending operations.

7. A cross-platform dynamic management and control system integrating a dual-limit mechanism, characterized in that, include: The credit limit association module is used to establish the association between each user's corresponding spending management limit on each platform and all authorized accounts; The dynamic management module is used to verify the credit limit management limit of each user on each platform and the relationship between all credit accounts when a single credit limit withdrawal request is received, and generate a corresponding withdrawal control policy based on the verification result; when multiple credit limit withdrawal requests are received concurrently from different channels, a corresponding withdrawal control policy is generated based on the concurrency verification mechanism.

8. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the program is executed by the processor, it implements the steps in the cross-platform dynamic management method of the integrated dual-limit mechanism as described in any one of claims 1-6.

9. A computer device, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that, When the processor executes the program, it implements the steps in the cross-platform dynamic management method of the integrated dual-limit mechanism as described in any one of claims 1-6.

10. A program product, said program product being a computer program product, comprising a computer program, characterized in that, When the computer program is executed by the processor, it implements the steps in the cross-platform dynamic management method of the integrated dual-limit mechanism as described in any one of claims 1-6.

Images