Data processing method and device, equipment, medium and program product

Abstract

The invention provides a data processing method and device, equipment, a medium and a program product, and can be applied to the technical field of artificial intelligence. The method comprises the following steps: receiving an adjustment request, wherein the adjustment request indicates that a transfer limit threshold of a target object in a target time interval is set as a first limit threshold; determining an approval result of the adjustment request and a second limit threshold matched with a target object by using a large language model according to target object information matched with the request type of the adjustment request; writing target quota information into a quota database, wherein the target quota information comprises a target object, a second quota threshold and a target time interval; and loading target quota information in a quota database by using a quota control engine so as to adjust the transfer quota threshold value of the target object to a second quota threshold value in the target time interval.

Description

Technical Field

[0001] This application relates to the field of artificial intelligence technology, specifically to a data processing method, apparatus, device, medium, and program product. Background Technology

[0002] In related technologies, financial institutions face issues of low security and poor real-time performance when adjusting data on transfer limit thresholds for target individuals. Summary of the Invention

[0003] In view of the above problems, this application provides a data processing method, apparatus, device, medium and program product.

[0004] According to a first aspect of this application, a data processing method is provided, comprising: receiving an adjustment request, the adjustment request indicating that a transfer limit threshold for a target object within a target time interval be set to a first limit threshold; using a large language model, determining an approval result for the adjustment request and a second limit threshold matching the target object based on target object information matching the request type of the adjustment request; writing target limit information into a limit database, the target limit information including the target object, the second limit threshold, and a target time interval; and using a limit control engine, loading the target limit information from the limit database to adjust the transfer limit threshold of the target object to the second limit threshold within the target time interval.

[0005] According to an embodiment of this application, writing target credit limit information into a credit limit database includes: sending information including approval results and a second credit limit threshold to a target object; and writing the target credit limit information into the credit limit database in response to receiving information that the target object agrees to use the second credit limit threshold to adjust the transfer credit limit.

[0006] According to an embodiment of this application, the request type includes an upward adjustment request type; the method further includes: in response to the adjustment request being of the upward adjustment request type, determining that the target object information includes at least one of the target object's asset information, liability information, related enterprise information, and credit information.

[0007] According to an embodiment of this application, the credit limit information also includes the information generation time, and the credit limit database includes historical credit limit information of the target object; the method further includes: in response to the current time exceeding the target time interval, obtaining historical valid credit limit information from the credit limit database, the historical valid credit limit information including a third credit limit threshold, the historical valid credit limit information being the historical credit limit information in the credit limit database with the latest information generation time and the current time being within the target time interval; loading the historical valid credit limit information using the credit limit control engine; sending transfer callback information to the target object, the transfer callback information indicating that the transfer limit threshold of the target object has been adjusted from the second credit limit threshold to the third credit limit threshold.

[0008] According to an embodiment of this application, the target time interval includes a deadline; using a large language model, based on target object information matching the request type of the adjustment request, the approval result of the adjustment request and a second limit threshold matching the target object are determined, including: in response to the difference between the deadline of the target time interval and the preset deadline, using a large language model, based on the target object information, the adjustment request, and the duration of the target time interval, the approval result of the adjustment request and the second limit threshold are generated.

[0009] According to an embodiment of this application, the request type further includes a downgrade request type; the method further includes: in response to the adjustment request being a downgrade request type, determining the target adjustment information including a target time interval and a first adjustment amount threshold.

[0010] A second aspect of this application provides a data processing apparatus, comprising:

[0011] The receiving module receives adjustment requests, which indicate that the transfer limit threshold for a target object within a target time interval should be set to the first limit threshold. The approval module uses a large language model to determine the approval result of the adjustment request and the second limit threshold matching the target object based on the target object information that matches the request type. The writing module writes the target limit information into the limit database, which includes the target object, the second limit threshold, and the target time interval. The processing module uses the limit control engine to load the target limit information from the limit database to set the transfer limit threshold for the target object to the second limit threshold within the target time interval.

[0012] The writing module writes the target credit limit information into the credit limit database in the following manner: it sends information including the approval result and the second credit limit threshold to the target object; in response to receiving information from the target object agreeing to use the second credit limit threshold to adjust the transfer credit limit, it writes the target credit limit information into the credit limit database.

[0013] According to an embodiment of this application, the request type includes an upward adjustment request type; the device further includes a first determining module, which is configured to: in response to the request type of the adjustment request being an upward adjustment request type, determine that the target object information includes at least one of the target object's asset information, liability information, related enterprise information, and credit information.

[0014] According to embodiments of this application, the credit limit information further includes the information generation time, and the credit limit database includes historical credit limit information of the target object; the device further includes a callback module, which is used to: in response to the current time exceeding the target time interval, obtain historical valid credit limit information from the credit limit database, the historical valid credit limit information including a third credit limit threshold, the historical valid credit limit information being the historical credit limit information in the credit limit database with the latest information generation time and the current time being within the target time interval; load the historical valid credit limit information using the credit limit control engine; and send transfer callback information to the target object, the transfer callback information indicating that the target object's transfer limit threshold has been adjusted from the second credit limit threshold to the third credit limit threshold.

[0015] According to an embodiment of this application, the target time interval includes a deadline; the approval module uses a large language model to determine the approval result of the adjustment request and a second limit threshold matching the target object based on the target object information that matches the request type of the adjustment request: In response to the difference between the deadline of the target time interval and the preset deadline, the large language model is used to generate the approval result of the adjustment request and the second limit threshold based on the target object information, the adjustment request, and the duration of the target time interval.

[0016] According to an embodiment of this application, the request type further includes a downgrade request type; the device further includes a second determining module, which is configured to: in response to the request type of the adjustment request being a downgrade request type, determine the target adjustment information including a target time interval and a first adjustment amount threshold.

[0017] A third aspect of this application provides an electronic device comprising: one or more processors; and a memory for storing one or more computer programs, wherein the one or more processors execute the one or more computer programs to implement the steps of the method described above.

[0018] A fourth aspect of this application also provides a computer-readable storage medium having a computer program or instructions stored thereon, which, when executed by a processor, implement the steps of the above-described method.

[0019] The fifth aspect of this application also provides a computer program product, including a computer program or instructions that, when executed by a processor, implement the steps of the above-described method. Attached Figure Description

[0020] The above-mentioned contents, other objects, features and advantages of this application will become clearer from the following description of embodiments with reference to the accompanying drawings, in which:

[0021] Figure 1 This diagram illustrates an application scenario of the data processing method according to an embodiment of this application.

[0022] Figure 2 A flowchart illustrating a data processing method according to an embodiment of this application is shown schematically.

[0023] Figure 3 A schematic diagram illustrating a data processing procedure according to an embodiment of this application is provided.

[0024] Figure 4 A schematic block diagram of a data processing apparatus according to an embodiment of this application is shown; and

[0025] Figure 5 A block diagram schematically illustrates an electronic device suitable for implementing a data processing method according to an embodiment of this application. Detailed Implementation

[0026] The embodiments of this application will now be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of this application. In the following detailed description, numerous specific details are set forth to provide a thorough understanding of the embodiments of this application for ease of explanation. However, it will be apparent that one or more embodiments may be implemented without these specific details. Furthermore, descriptions of well-known structures and technologies are omitted in the following description to avoid unnecessarily obscuring the concepts of this application.

[0027] The terminology used herein is for the purpose of describing particular embodiments only and is not intended to limit the scope of this application. The terms “comprising,” “including,” etc., as used herein indicate the presence of the stated features, steps, operations, and / or components, but do not exclude the presence or addition of one or more other features, steps, operations, or components.

[0028] All terms used herein (including technical and scientific terms) have the meanings commonly understood by those skilled in the art, unless otherwise defined. It should be noted that the terms used herein are to be interpreted in a manner consistent with the context of this specification, and not in an idealized or overly rigid way.

[0029] When using expressions such as "at least one of A, B and C", they should generally be interpreted in accordance with the meaning that is commonly understood by those skilled in the art (e.g., "a system having at least one of A, B and C" should include, but is not limited to, a system having A alone, a system having B alone, a system having C alone, a system having A and B, a system having A and C, a system having B and C, and / or a system having A, B and C, etc.).

[0030] Financial institutions set transfer limit thresholds for individuals to restrict the maximum amount of resources an individual can transfer to other individuals or receive from other individuals, thereby reducing the risks associated with large transfers.

[0031] In related technologies, the transfer limit threshold set for an object is a fixed, static value, which cannot address the need for temporary adjustments to the target object's transfer limit threshold. Furthermore, if the transfer limit threshold of the target object is directly adjusted based on the threshold value in the request, there is a risk that the adjusted transfer limit threshold may be compromised due to an unreasonable threshold setting in the request, thus affecting the security of the transfer transaction.

[0032] Based on this, embodiments of this application provide a data processing method that receives a request to adjust the transfer limit threshold of a target object, uses a large language model to evaluate and approve the information of the target object, determines the approval result of the adjustment request and the approved transfer limit threshold, and writes the approved transfer limit adjustment threshold into the limit database. This enables the limit control engine to restrict the transfer limit of the target object in real time based on the newly written limit threshold in the limit database, thereby achieving real-time temporary adjustment of the target object's transfer limit data while ensuring the transfer security of the target object.

[0033] It should be noted that the data processing methods, apparatus, electronic devices, and storage media defined in this disclosure can be used in the fields of artificial intelligence and fintech, and also in various other fields besides artificial intelligence and fintech. The application areas of the data processing methods, apparatus, electronic devices, and storage media provided in the embodiments of this disclosure are not limited.

[0034] In the technical solution disclosed herein, the user information (including but not limited to user personal information, user image information, user device information, such as location information) and data (including but not limited to data used for analysis, stored data, and displayed data) involved are all information and data authorized by the user or fully authorized by all parties. Furthermore, the collection, storage, use, processing, transmission, provision, disclosure, and application of related data all comply with relevant laws, regulations, and standards, necessary confidentiality measures have been taken, and they do not violate public order and good morals. Corresponding operation entry points are provided for users to choose to authorize or refuse.

[0035] In scenarios involving automated decision-making using personal information, the data processing methods, apparatus, devices, and media provided in this application all offer users corresponding operation entry points, allowing them to choose to agree to or reject the automated decision-making results; if the user chooses to reject, the process proceeds to the expert decision-making stage. Here, "automated decision-making" refers to the activity of automatically analyzing and evaluating an individual's behavioral habits, interests, or economic, health, and credit status through computer programs, and then making a decision. Here, "expert decision-making" refers to the activity of making decisions by personnel who specialize in a particular field, possess specialized experience, knowledge, and skills, and have reached a certain level of professional expertise.

[0036] Figure 1 The diagram illustrates an application scenario of the data processing method according to an embodiment of this application.

[0037] like Figure 1 As shown, application scenario 100 according to this embodiment may include a first terminal device 101, a second terminal device 102, a third terminal device 103, a network 104, and a server 105. The network 104 serves as a medium for providing a communication link between the first terminal device 101, the second terminal device 102, the third terminal device 103, and the server 105. The network 104 may include various connection types, such as wired or wireless communication links, or fiber optic cables, etc.

[0038] Users can use the first terminal device 101, the second terminal device 102, and the third terminal device 103 to interact with the server 105 via the network 104 to receive or send messages, etc. Various communication client applications can be installed on the first terminal device 101, the second terminal device 102, and the third terminal device 103, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social media platform software, etc. (for example only).

[0039] The first terminal device 101, the second terminal device 102, and the third terminal device 103 can be various electronic devices with displays and support web browsing, including but not limited to smartphones, tablets, laptops, and desktop computers.

[0040] Server 105 can be a server that provides various services, such as a backend management server that supports websites browsed by users using the first terminal device 101, the second terminal device 102, and the third terminal device 103 (this is just an example). The backend management server can analyze and process data such as received user requests, and feed back the processing results (such as web pages, information, or data obtained or generated according to user requests) to the terminal devices.

[0041] It should be noted that the data processing method provided in the embodiments of this application can generally be executed by server 105. Correspondingly, the data processing device provided in the embodiments of this application can generally be located in server 105. The data processing method provided in the embodiments of this application can also be executed by a server or server cluster that is different from server 105 and capable of communicating with the first terminal device 101, the second terminal device 102, the third terminal device 103, and / or server 105. Correspondingly, the data processing device provided in the embodiments of this application can also be located in a server or server cluster that is different from server 105 and capable of communicating with the first terminal device 101, the second terminal device 102, the third terminal device 103, and / or server 105.

[0042] It should be understood that Figure 1 The number of terminal devices, networks, and servers shown is merely illustrative. Depending on implementation needs, any number of terminal devices, networks, and servers can be included.

[0043] The following will be based on Figure 1 The described scene, through Figures 2-3 The data processing method according to the embodiments of this application will be described in detail.

[0044] Figure 2 A flowchart illustrating a data processing method according to an embodiment of this application is shown.

[0045] like Figure 2 As shown, the data processing method of this embodiment includes operations S210 to S240.

[0046] In operation S210, an adjustment request is received, which indicates that the transfer limit threshold for the target object within the target time interval is set to the first limit threshold.

[0047] The target object can be a user object or an enterprise object.

[0048] The adjustment request can be sent by the target object or by other objects that have the authority to adjust the transfer limit threshold of the target object.

[0049] The adjustment request may include target object information, first limit threshold, and target time interval.

[0050] The target time interval represents the effective time interval during which the adjustment of the transfer limit threshold for the target object in the adjustment request will take effect.

[0051] In operation S220, using a large language model, the approval result of the adjustment request and the second quota threshold matching the target object are determined based on the target object information that matches the request type of the adjustment request.

[0052] Before receiving an adjustment request, the target object's consent or authorization can be obtained. For example, before operation S220, a request to obtain target object information can be sent to the target object. If the target object consents or authorizes the acquisition of target object information, operation S220 is executed.

[0053] Different target object information can be set for different request types, which improves the approval effect of the large language model in adjusting requests for different request types.

[0054] A preset prompt template can be used to generate the input content for the large language model by combining the prompt template, target object information, request type of adjustment request, and first threshold. This allows the large language model to generate the approval result and recommended second adjustment threshold based on the input content.

[0055] For example, the prompt template could be: "Based on the target object information, please evaluate and approve whether the target object's transfer limit can be adjusted from the first limit threshold to the second limit threshold. If the approval is not approved, please provide a second limit threshold that can pass the evaluation and approval and is closest to the first limit threshold."

[0056] In operation S230, the target credit limit information is written into the credit limit database. The target credit limit information includes the target object, the second credit limit threshold, and the target time interval.

[0057] The credit limit database is used to record and store the transfer limit thresholds set for the target object.

[0058] The target object, the second limit threshold, and the target time interval can be encapsulated to obtain the target limit information.

[0059] In operation S240, the quota control engine is used to load the target quota information from the quota database so as to set the transfer quota threshold of the target object to the second quota threshold within the target time interval.

[0060] When it is necessary to obtain the transfer limit threshold of a target object, the limit control engine can use the data in the limit database to query the target object's target limit information and use the second limit threshold in the target limit information as the target object's transfer limit threshold.

[0061] Upon receiving an adjustment request to adjust the existing transfer limit threshold of a target user, the system uses a large language model to determine the target object information based on the request type and multi-dimensional information. It then approves the request, generating an approval conclusion and an approved adjustment limit. This process enables risk monitoring of user limit adjustment requests, ensuring that user transfers are conducted within a controllable risk range, thus achieving dynamic, refined, and intelligent limit management control. Furthermore, by storing adjustment limit thresholds in the database, the limit control engine can process transfer limit thresholds in real time, improving the real-time performance of limit adjustments.

[0062] The request type of an adjustment request can indicate whether the request is to increase or decrease the transfer limit threshold for the target object. Alternatively, the adjustment request can indicate whether it is a permanent or temporary adjustment to the transfer limit threshold for the target object.

[0063] The following uses the example of request types including upward request type and downward request type to explain how to determine the target object information based on the request type.

[0064] According to an embodiment of this application, the data processing method further includes: in response to the request type of the adjustment request being an upward adjustment request type, determining that the target object information includes at least one of the target object's asset information, liability information, related enterprise information, and credit information.

[0065] The target's asset information may include the amount of resources held by the target; its liability information may include the amount of liabilities of the target; its related enterprise information may include the size and cash flow information of the target or its related enterprises; and its credit information may include the target's credit rating and history of default.

[0066] By using multi-dimensional information as the target object information for adjustment requests of the upward adjustment request type, the large language model can accurately evaluate and approve based on the target object information, thereby improving the accuracy of the generated approval results and the second adjustment threshold.

[0067] According to an embodiment of this application, the data processing method further includes: in response to the request type of the adjustment request being a downward adjustment request type, determining the target adjustment information including a target time interval and a first adjustment amount threshold.

[0068] For adjustment requests of the type of downward adjustment, the risk of lowering the transfer limit threshold is relatively small. Simplified target object information, including the target time interval and the first adjustment threshold, can be input into the large language model.

[0069] A large language model can be pre-trained to respond to determining that the request type is a downgrade request type, and to approve the format of the content in the target object information. For example, it can determine whether the target time interval meets the preset time format requirements, and whether the first adjustment threshold meets the threshold required by the financial institution.

[0070] The large language model can approve the format of the content in the target object information based on the simplified prompt template, which also includes "If the approval result of the adjustment request is determined to be approved, set the second quota threshold of the output to be the same as the first quota threshold".

[0071] By simplifying the target object information required for the approval of adjustment requests of the downgrade request type, the time and workload of approving adjustment requests of the downgrade request type have been reduced.

[0072] In addition, a notification can be sent to the target object during the process of writing the target amount information into the amount database, informing the target object that the transfer amount threshold has changed.

[0073] According to an embodiment of this application, writing target credit limit information into a credit limit database includes: sending information including approval results and a second credit limit threshold to a target object; and writing the target credit limit information into the credit limit database in response to receiving information that the target object agrees to use the second credit limit threshold to adjust the transfer credit limit.

[0074] In related technologies, if the adjustment request is sent by an object with permissions other than the target object, and the target object is not informed in time that the transfer threshold has changed, it will affect the target object's transfer operations.

[0075] The target can respond to information including the approval result and the second limit threshold. The response can include whether the target agrees or refuses to use the second limit threshold to adjust the transfer limit threshold.

[0076] In response to receiving information that the target object refuses to adjust the transfer limit using the second limit threshold, you can set the transfer limit threshold to remain unchanged for the target object. Alternatively, you can use a large language model to regenerate the approval result and the second limit threshold, and send the readjusted approval result and the second limit threshold back to the target object. Alternatively, you can set a redirection to an expert processing flow, where the approval result and the second limit threshold are determined based on expert experience.

[0077] After generating the approval result and the second limit threshold using a large language model, a notification is sent to the target object to inform them that the transfer limit threshold has changed. With the target object's consent, the target limit information, including the second limit threshold, is written into the limit database. This ensures the security of the transfer limit threshold adjustment and allows the target object to be informed of the change in the transfer limit threshold in a timely manner, thus improving the timeliness of the target object's access to information on the transfer limit threshold adjustment.

[0078] The target time interval can include a start time and an end time. By using the start time and end time as the target time interval, the effective period of the second limit threshold is determined. A preset end time can be set to indicate that the adjustment request is for a permanent adjustment of the transfer limit threshold. For example, the preset end time can be set to "December 31, 9999". In response to the detection that the end time of the target time interval is the preset end time, it is determined that the adjustment request is for a permanent adjustment of the transfer limit threshold.

[0079] If the deadline for the target time interval is not the actual deadline, it is determined that the adjustment request is for temporarily adjusting the transfer limit threshold. That is, the deadline represents a valid date, and a callback is required for the transfer limit threshold on the deadline date.

[0080] According to an embodiment of this application, using a large language model, the approval result of the adjustment request and a second limit threshold matching the target object are determined based on the target object information that matches the request type of the adjustment request. This includes: in response to the fact that the deadline of the target time interval is different from the preset deadline, using a large language model, the approval result of the adjustment request and the second limit threshold are generated based on the target object information, the adjustment request and the duration of the target time interval.

[0081] For requests to temporarily adjust transfer limit thresholds, the input information of the large language model can be set to include not only the target object information but also the target time interval. This allows the large language model to comprehensively assess the risk of the adjustment request based on the length of the target time interval and to approve the adjustment request.

[0082] For example, for adjustment requests that have the same target object and first limit threshold but different target time intervals, the large language model will determine that adjustment requests with a longer target time interval are at greater risk.

[0083] By combining the target time interval for adjustment to take effect with the evaluation and approval process during the approval of adjustment requests for temporary adjustments using a large language model, the accuracy of the generated approval results and the second quota threshold is improved.

[0084] In addition to the target credit limit information, the credit limit database may also include the target object's historical credit limit information, which is generated based on historical adjustment requests for setting transfer limit thresholds for the target object.

[0085] You can set the generation time for the credit limit information, and the time when the credit limit information is written to the credit limit database can be used as the generation time of the credit limit information.

[0086] According to an embodiment of this application, the data processing method further includes: in response to the current time exceeding a target time interval, retrieving historical valid credit limit information from a credit limit database, wherein the historical valid credit limit information includes a third credit limit threshold, and the historical valid credit limit information is the latest information generated in the credit limit database that is currently within the target time interval. The historical valid credit limit information is then loaded using a credit limit control engine. A transfer callback message is sent to the target object, indicating that the target object's transfer limit threshold has been adjusted from a second credit limit threshold to a third credit limit threshold.

[0087] For temporarily adjusted transfer limit thresholds, once the expiration of the temporarily adjusted transfer limit threshold is determined, the transfer limit threshold will be adjusted back to the most recently set and valid threshold. This achieves the reversal of the transfer limit threshold without manual intervention and promptly notifies the target object, ensuring that the target object receives timely information on the status change of the transfer limit threshold.

[0088] Figure 3 A schematic diagram illustrating a data processing procedure according to an embodiment of this application is shown.

[0089] exist Figure 3 The server can include a front-end module, a back-end system module, a risk control module, a credit limit control engine, and a notification service module. Credit limit information and historical credit limit information are stored in the target data table of the credit limit database.

[0090] In operation S301, in response to the target object signing the online transfer business agreement, an initial threshold request (corresponding to the adjustment request) is generated. The adjustment request includes the expected value of the limit threshold adjustment (corresponding to the first limit threshold) and the effective period information (corresponding to the target time interval).

[0091] In operation S302, after the backend system module receives the initial threshold request, it triggers risk control review. Using a large language model, it performs risk control detection on the initial threshold request based on multi-dimensional data (corresponding to target object information) including the target object's assets, liabilities, operating facilities, personnel size, historical cash flow and credit rating of the enterprise. It then generates an approval conclusion (corresponding to the approval result) and an approval value (second limit threshold), and executes operation S304 to return the approval conclusion to the backend system module.

[0092] In operation S304, the backend system module returns the approval result, including the approval conclusion and the approval value, to the frontend module.

[0093] In response to the target object's approval of the approval result and confirmation of using the approved value to adjust the limit threshold, operation S305 is executed. The backend system module writes the target limit information, including the approval result, into the target data table of the limit database and notifies the limit control engine. The limit control engine loads the approved value from the approval result in the limit database as the transfer limit threshold for the target object.

[0094] In operation S306, in response to the quota control engine completing the loading of the approved value, a request for adjustment success is sent to the notification service module so that the notification service module triggers an adjustment success notification.

[0095] When operating S307, the notification service module sends a notification of successful adjustment to the front-end module after receiving a request for successful adjustment.

[0096] When operating S308, in response to the backend system module detecting that the transfer limit threshold set in the temporary limit adjustment application has expired, the recovery mechanism is triggered, and the limit control engine is notified to call back the transfer limit threshold of the target object.

[0097] In operation S309, the credit limit control engine reads the historical valid credit limit information from the target data table and sets the credit limit threshold (corresponding to the third credit limit threshold) in the historical valid credit limit information as the transfer limit threshold of the target object.

[0098] When operating S310, the quota control engine sends a quota reply notification request to the notification service module.

[0099] In operation S311, the notification service module returns a recovery notification to the front end to notify the target object that the transfer limit threshold has been reverted to the limit threshold in the historical valid limit information.

[0100] Based on the above data processing method, this application also provides a data processing apparatus. The following will be combined with... Figure 4 The device is described in detail.

[0101] Figure 4 A schematic block diagram of a data processing apparatus according to an embodiment of this application is shown.

[0102] like Figure 4 As shown, the data processing device 400 of this embodiment includes a receiving module 410, an approval module 420, a writing module 430, and a processing module 440.

[0103] The receiving module 410 is used to receive an adjustment request, which indicates that the transfer limit threshold of the target object within the target time interval is set to the first limit threshold. The approval module 420 is used to use a large language model to determine the approval result of the adjustment request and the second limit threshold matching the target object based on the target object information that matches the request type of the adjustment request. The writing module 430 is used to write the target limit information into the limit database, which includes the target object, the second limit threshold, and the target time interval. The processing module 440 is used to use the limit control engine to load the target limit information from the limit database to set the transfer limit threshold of the target object to the second limit threshold within the target time interval.

[0104] According to embodiments of this application, any plurality of modules among the receiving module 410, approval module 420, writing module 430, and processing module 440 may be combined into one module, or any one of these modules may be split into multiple modules. Alternatively, at least a portion of the functionality of one or more of these modules may be combined with at least a portion of the functionality of other modules and implemented in one module. According to embodiments of this application, at least one of the receiving module 410, approval module 420, writing module 430, and processing module 440 may be at least partially implemented as hardware circuitry, such as a field-programmable gate array (FPGA), a programmable logic array (PLA), a system-on-a-chip, a system-on-a-substrate, a system-on-package, an application-specific integrated circuit (ASIC), or any other reasonable means of integrating or packaging circuitry, or implemented in software, hardware, or firmware, or in any appropriate combination of any of these three implementation methods. Alternatively, at least one of the receiving module 410, approval module 420, writing module 430, and processing module 440 may be at least partially implemented as a computer program module, which, when run, can perform corresponding functions.

[0105] The writing module 430 writes the target credit limit information into the credit limit database in the following manner: it sends information including the approval result and the second credit limit threshold to the target object; in response to receiving information from the target object agreeing to use the second credit limit threshold to adjust the transfer credit limit, it writes the target credit limit information into the credit limit database.

[0106] According to an embodiment of this application, the request type includes an upward adjustment request type; the device further includes a first determining module, which is configured to: in response to the request type of the adjustment request being an upward adjustment request type, determine that the target object information includes at least one of the target object's asset information, liability information, related enterprise information, and credit information.

[0107] According to embodiments of this application, the credit limit information further includes the information generation time, and the credit limit database includes historical credit limit information of the target object; the device further includes a callback module, which is used to: in response to the current time exceeding the target time interval, obtain historical valid credit limit information from the credit limit database, the historical valid credit limit information including a third credit limit threshold, the historical valid credit limit information being the historical credit limit information in the credit limit database with the latest information generation time and the current time being within the target time interval; load the historical valid credit limit information using the credit limit control engine; and send transfer callback information to the target object, the transfer callback information indicating that the target object's transfer limit threshold has been adjusted from the second credit limit threshold to the third credit limit threshold.

[0108] According to an embodiment of this application, the target time interval includes a deadline; the approval module 420 uses a large language model to determine the approval result of the adjustment request and a second limit threshold matching the target object based on the target object information that matches the request type of the adjustment request: In response to the difference between the deadline of the target time interval and the preset deadline, the large language model is used to generate the approval result of the adjustment request and the second limit threshold based on the target object information, the adjustment request, and the duration of the target time interval.

[0109] According to an embodiment of this application, the request type further includes a downgrade request type; the device further includes a second determining module, which is configured to: in response to the request type of the adjustment request being a downgrade request type, determine the target adjustment information including a target time interval and a first adjustment amount threshold.

[0110] Figure 5 A block diagram schematically illustrates an electronic device suitable for implementing a data processing method according to an embodiment of this application.

[0111] like Figure 5 As shown, an electronic device 500 according to an embodiment of this application includes a processor 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 portion 508 into a random access memory (RAM) 503. The processor 501 may include, for example, a general-purpose microprocessor (e.g., a CPU), an instruction set processor and / or an associated chipset and / or a special-purpose microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 501 may also include onboard memory for caching purposes. The processor 501 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of this application.

[0112] RAM 503 stores various programs and data required for the operation of electronic device 500. Processor 501, ROM 502, and RAM 503 are interconnected via bus 504. Processor 501 executes various operations of the method flow according to embodiments of this application by executing programs in ROM 502 and / or RAM 503. It should be noted that the programs may also be stored in one or more memories other than ROM 502 and RAM 503. Processor 501 may also execute various operations of the method flow according to embodiments of this application by executing programs stored in said one or more memories.

[0113] According to embodiments of this application, the electronic device 500 may further include an input / output (I / O) interface 505, which is also connected to a bus 504. The electronic device 500 may also include one or more of the following components connected to the input / output (I / O) interface 505: an input section 506 including a keyboard, mouse, etc.; an output section 507 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 508 including a hard disk, etc.; and a communication section 509 including a network interface card such as a LAN card, modem, etc. The communication section 509 performs communication processing via a network such as the Internet. A drive 510 is also connected to the input / output (I / O) interface 505 as needed. A removable medium 511, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on the drive 510 as needed so that computer programs read from it can be installed into the storage section 508 as needed.

[0114] This application also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or it may exist independently and not assembled into the device / apparatus / system. The computer-readable storage medium carries one or more programs, which, when executed, implement the method according to the embodiments of this application.

[0115] According to embodiments of this application, the computer-readable storage medium can be a non-volatile computer-readable storage medium, such as including but not limited to: portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination thereof. In this application, the computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. For example, according to embodiments of this application, the computer-readable storage medium may include ROM 502 and / or RAM 503 and / or one or more memories other than ROM 502 and RAM 503 described above.

[0116] Embodiments of this application also include a computer program product comprising a computer program containing program code for performing the methods shown in the flowchart. When the computer program product is run on a computer system, the program code is used to enable the computer system to implement the data processing methods provided in the embodiments of this application.

[0117] When the computer program is executed by the processor 501, it performs the functions defined in the system / apparatus of this application embodiment. According to the embodiments of this application, the systems, apparatuses, modules, units, etc., described above can be implemented by computer program modules.

[0118] In one embodiment, the computer program may rely on a tangible storage medium such as an optical storage device or a magnetic storage device. In another embodiment, the computer program may also be transmitted and distributed in the form of signals over a network medium, and may be downloaded and installed via the communication section 509, and / or installed from a removable medium 511. The program code contained in the computer program can be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination thereof.

[0119] In such an embodiment, the computer program can be downloaded and installed from a network via communication section 509, and / or installed from removable medium 511. When the computer program is executed by processor 501, it performs the functions defined in the system of this application embodiment. According to embodiments of this application, the systems, devices, apparatuses, modules, units, etc., described above can be implemented by computer program modules.

[0120] According to embodiments of this application, program code for executing the computer programs provided in the embodiments of this application can be written in any combination of one or more programming languages. Specifically, these computational programs can be implemented using high-level procedural and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, languages ​​such as Java, C++, Python, "C", or similar programming languages. The program code can be executed entirely on the user's computing device, partially on the user's device, partially on a remote computing device, or entirely on a remote computing device or server. In cases involving remote computing devices, the remote computing device can be connected to the user's computing device via any type of network, including a local area network (LAN) or a wide area network (WAN), or it can be connected to an external computing device (e.g., via the Internet using an Internet service provider).

[0121] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of this application. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0122] Those skilled in the art will understand that the features described in the various embodiments of this application can be combined and / or combined in various ways, even if such combinations or combinations are not explicitly described in this application. In particular, the features described in the various embodiments of this application can be combined and / or combined in various ways without departing from the spirit and teachings of this application. All such combinations and / or combinations fall within the scope of this application.

Claims

1. A data processing method, characterized in that, The method includes: Receive an adjustment request, the adjustment request indicating that the transfer limit threshold for the target object within the target time interval be set to a first limit threshold; Using a large language model, based on the target object information that matches the request type of the adjustment request, the approval result of the adjustment request and the second quota threshold that matches the target object are determined; The target credit limit information is written into the credit limit database, wherein the target credit limit information includes the target object, the second credit limit threshold, and the target time interval; Using the credit limit control engine, target credit limit information is loaded from the credit limit database to adjust the transfer limit threshold of the target object to the second credit limit within the target time interval.

2. The method according to claim 1, characterized in that, The step of writing the target credit limit information into the credit limit database includes: Send information including the approval result and the second limit threshold to the target object; In response to receiving information that the target object agrees to use the second limit threshold for adjusting the transfer limit threshold, the target limit information is written into the limit database.

3. The method according to claim 1, characterized in that, The request type includes an upward adjustment request type; the method further includes: In response to the adjustment request being of type upward adjustment, the target object information is determined to include at least one of the target object's asset information, liability information, related enterprise information, and credit information.

4. The method according to any one of claims 1 to 3, characterized in that, The credit limit information also includes the information generation time, and the credit limit database includes the historical credit limit information of the target object; the method further includes: In response to the current time exceeding the target time interval, historical valid credit information is obtained from the credit limit database. The historical valid credit information includes a third credit limit threshold. The historical valid credit information is the historical credit information in the credit limit database that was generated the latest and is currently within the target time interval. The historical valid credit limit information is loaded using the credit limit control engine; Send a transfer callback message to the target object, wherein the transfer callback message indicates that the transfer limit threshold of the target object has been adjusted from the second limit threshold to the third limit threshold.

5. The method according to claim 3, characterized in that, The target time interval includes the deadline; the step of using a large language model to determine the approval result of the adjustment request and the second quota threshold matching the target object based on the target object information matching the request type of the adjustment request includes: In response to the difference between the deadline of the target time interval and the preset deadline, a large language model is used to generate the approval result of the adjustment request and the second quota threshold based on the target object information, the adjustment request, and the duration of the target time interval.

6. The method according to claim 5, characterized in that, The request type also includes a downgrade request type; the method further includes: In response to the adjustment request being a downward adjustment request type, the target adjustment information is determined to include the target time interval and the first adjustment amount threshold.

7. A data processing apparatus, characterized in that, The device includes: A receiving module is used to receive an adjustment request, wherein the adjustment request indicates that the transfer limit threshold of the target object within the target time interval be set to a first limit threshold. The approval module is used to determine the approval result of the adjustment request and the second quota threshold matching the target object based on the target object information that matches the request type of the adjustment request using a large language model. The writing module is used to write target quota information into the quota database, wherein the target quota information includes the target object, the second quota threshold, and the target time interval; The processing module is used to load the target limit information in the limit database using the limit control engine, so as to set the transfer limit threshold of the target object to the second limit threshold within the target time interval.

8. An electronic device, comprising: One or more processors; Memory, used to store one or more computer programs. The characteristic feature is that the one or more processors execute the one or more computer programs to implement the steps of the method according to any one of claims 1 to 6.

9. A computer-readable storage medium having a computer program or instructions stored thereon, characterized in that, When the computer program or instructions are executed by a processor, they implement the steps of the method according to any one of claims 1 to 6.

10. A computer program product, comprising a computer program or instructions, characterized in that, When the computer program or instructions are executed by a processor, they implement the steps of the method according to any one of claims 1 to 6.

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