94 results about "Credit limit" patented technology

The invention discloses a supply chain data-oriented enterprise upstream and downstream collaborative risk control prediction method and system, and relates to the technical field of supply chain financial risk management, and the method comprises the steps: extracting a payment time deviation value between enterprises to construct a payment behavior sequence, calculating a supply chain collaborative credit rating based on a fluctuation amplitude and a historical default record, and recognizing a risk source enterprise; adopting a recursive partition time window to extract a period index and a sudden change index of the payment behavior, and constructing a payment behavior portrait; identifying associated enterprises through the phase overlapping degree of the payment behavior track to form a risk conduction sequence; and based on the evolution law and the risk conduction sequence of the payment behavior portrait, predicting a risk triggering node, and generating a risk prevention and control scheme including a credit line regulation and control instruction and a behavior monitoring strategy. The method can effectively identify the supply chain risk source, predict the risk conduction path, and improve the financial risk control capability of the supply chain.

The invention provides a comprehensive contribution assessment method and system based on reinforcement learning, and belongs to the technical field of financial science and technology. According to the method, multi-source heterogeneous data of enterprise customers are integrated, and financial index feature vectors and transaction behavior feature vectors are extracted to construct a fusion feature matrix. And a judgment mechanism of a fluctuation amplitude threshold is introduced, and when the fluctuation amplitude of the fusion feature matrix exceeds a limit, a transaction behavior trend is predicted to generate a dynamic risk vector. The contribution score is determined by fusing the feature matrix and the dynamic risk vector, and the industry enterprise feature data is grouped to calibrate the contribution score and correct the evaluation deviation by comparing the industry contribution benchmark and the condition exceeding the preset deviation threshold, so that the industry suitability and objectivity of contribution level judgment are ensured. And finally, the credit line is determined according to the contribution level, so that the bank credit resource optimization configuration is realized on the premise of dynamic risk controllability, the fund configuration efficiency and the risk control capability are improved, and the real operation demand of an enterprise can be accurately matched.

The invention relates to the technical field of data processing, can be applied to the field of science and technology finance, and discloses a credit evaluation method and device for multi-source data co-processing and related equipment. The method comprises the steps of receiving credit evaluation data of at least two types of preset data sources, and performing cleaning, time scale unification and numerical standardization processing on the credit evaluation data to form standardized multi-source feature data; constructing credit portrait data based on the standardized multi-source feature data; performing scoring reasoning on the credit portrait data through a pre-trained credit extension evaluation model, and generating credit extension evaluation result data through a limit mapping rule; receiving the use behavior data and the performance behavior data, performing time sequence analysis and deviation identification, and generating credit use behavior analysis data; and updating credit extension evaluation model parameters based on the credit use behavior analysis data, loading the credit extension evaluation model parameters to a model operation state, outputting credit extension evaluation result data, and recording model parameter updating information. According to the method, the dynamic adaptive capacity of multi-source credit assessment is improved.

The present disclosure provides systems and methods for computerized methods and systems for processing transaction disputes and processing transactions associated with compromised accounts. According to one exemplary method, a server receives, from a user device, an instruction for disputing a transaction associated with a user account. The server can initiate, based on a record of the transaction, a dispute investigation, and issue provisional credit to the user account for the transaction. Based on a transaction history associated with the user account, the server can determine a plurality of expected transactions associated with the user account and cause the determined expected transactions to be displayed on the user device. After receiving a transaction authorization for at least one of the plurality of expected transactions, the server can process payments for the at least one of the plurality of expected transactions, and generate a notification indicating a status of the dispute investigation.

A method is provided for processing micropayments. Micropayments are financial transactions involving relatively small financial amounts that can be difficult for conventional transaction processing systems to handle in a cost-effective and expeditious manner. The improved method uses a virtual micropayment account managed by a transaction processor. The limit of the virtual micropayment account may be adjusted with credit reduction requests and credit reset notices that are sent from the transaction processor to the issuer bank. The issuer bank may use the credit reduction requests and credit reset notices to adjust a temporary credit limit of the credit account from which the micropayments are to be made.

A method performed by at least one computing device. The method includes receiving a credit request from a self-checkout device before a customer completes an instore checkout process and sending a request for a Uniform Resource Locator (“URL”) to one or more authentication computing devices. The authentication computing device(s) send the URL to the mobile device. The method includes sending a credit application to the mobile device after the customer selects the URL, receiving a submission of the credit application from the mobile device, approving credit based on the submission, and forwarding a code to the mobile device. The code indicates that the credit is to be used to complete the instore checkout process when scanned by the scanner.

The invention discloses an intelligent credit line dynamic regulation and control method based on causal inference and reinforcement learning, and the method comprises the steps: collecting multi-source heterogeneous data of a customer, and carrying out the structural integration and causal modeling; based on the constructed causal graph, performing intervention analysis on a quota adjustment behavior by using a causal inference method, and evaluating the real causal influence of quota adjustment on customer default risk PD and revenue REV; the method comprises the following steps: abstracting credit line regulation into a Markov decision process for modeling, and converting a line management problem into a dynamic sequence decision optimization problem; after modeling is completed, a reinforcement learning algorithm is adopted to carry out optimization training on a quota regulation and control strategy; and after the quota decision is completed, outputting an adjustment result and generating an interpretability analysis report. According to the scheme, key credit factors are identified through causal inference, intervention analysis is carried out, the real influence of limit adjustment on the risk is quantified, the causal rationality of decision making is ensured, and dynamic regulation and control and risk control of the credit limit are realized in combination with reinforcement learning.

The invention discloses a real estate business financial business risk control management method based on a big data model, and relates to the technical field of financial science and technology and risk management, and the method comprises the steps: collecting multi-dimensional original data, carrying out the fusion cleaning, and generating a structured risk control basic data set; extracting three feature sequences of application subject static portraits, real estate dynamic values and associated enterprise risks from the application subject static portraits and the real estate dynamic values; inputting the multi-source risk control feature fusion model into a pre-trained multi-source risk control feature fusion model for interactive modeling, and generating a comprehensive risk feature map; constructing a hierarchical risk decision network by using the map, and outputting a multi-dimensional vector containing credit and collateral risks and associated party conduction risk scores; and based on the vector, generating an adaptive credit line, a guarantee rate floating and a post-loan monitoring scheme through a dynamic strategy matching engine, and converting the adaptive credit line, the guarantee rate floating and the post-loan monitoring scheme into an executable instruction set to be issued and executed. According to the invention, the deep correlation analysis of the multi-source risk information and the automatic and accurate generation of the risk management strategy are realized.

This application relates to a method, system, storage medium, and electronic device for calculating a customer's credit limit, belonging to the field of data processing technology. The method includes: obtaining information on the actual assets, actual annual transaction targets, and actual collateral value of the approved target customer; determining the target customer's basic credit limit based on the actual assets, actual annual transaction targets, and actual collateral value; obtaining information on multiple historical downstream enterprises of the target customer where payment has stalled, and the historical payment nodes where payment stalls occurred; determining the target customer's collection difficulty index based on the historical downstream enterprises and historical payment nodes; and adjusting the basic credit limit based on the collection difficulty index to obtain the target customer's target credit limit. This application improves the accuracy of customer credit limit calculation.

The invention provides a credit card risk control method, device, medium and system, and the method comprises the steps: constructing and updating a multi-dimensional user portrait, the multi-dimensional user portrait comprises a risk type of a credit card holder determined on the basis of real-time transaction flow data, multi-source credit investigation data, behavior biological characteristic data and social graph data under the condition of user authorization; generating a risk user management list according to the risk type; and under the condition that the repayment event is detected, adjusting the credit line of the card holder of the credit card according to the information in the risk user management list. The problem that risk intervention of the credit card depends on manual judgment in the prior art, so that the risk control effect is difficult to meet the expectation is solved.

The present application relates to the technical field of communications, and discloses a credit updating method, an apparatus, a device, a system, and a storage medium. For example, when a first apparatus performs the method, the first apparatus determines a first credit limit of the first apparatus, wherein the first credit limit indicates a limit, updated by the first apparatus, on the amount of data allowed to be received; and the first apparatus sends first instruction information to a second apparatus, wherein the first instruction information instructs the second apparatus to update a credit limit of the second apparatus according to the first credit limit. The method provides a means for updating a credit limit, such that the configuration of the credit limit can be dynamically adjusted on the basis of a change in the limit on the amount of data that a first apparatus allows to receive. Moreover, during implementation of update of the credit limit, the method does not require interruption of a data stream between the first apparatus and a second apparatus, thereby avoiding the effect of the update of the credit limit on the transmission of the data stream.

The invention provides a quota application processing method and device, equipment, a storage medium and a program product, and can be applied to the technical field of artificial intelligence. The method comprises the steps of obtaining basic auditing information related to a target project under the condition that a target object is authorized; determining a matching degree between the project progress information, the project type information, the object type information and the limit information and a preset auditing rule; under the condition that the matching degree between at least one of the project progress information, the project type information, the object type information and the limit information and a preset auditing rule is inconsistent, determining a target reconnaissance end matched with the target object from a plurality of reconnaissance ends; obtaining first real-time investigation sub-information related to the target project; acquiring second real-time investigation sub-information, and taking the first real-time investigation sub-information and the second real-time investigation sub-information as real-time investigation information; and determining an application result of the quota application according to the real-time investigation information.

Methods for deferred payment systems which facilitate the payment of very small monetary amount by a user when the total of accrued debit amounts exceed a predetermined amount or occur after a predetermined time interval, and which further enable promoters to pay the accrued amounts or provide credits when a purchase intent indicator exceeds a threshold value based on the digital content purchased by the user, which indicates a purchase of products or services associated with the promoters is likely.

This invention relates to the field of medical technology and discloses a credit-based medical limit evaluation method based on a decision enhancement tree. By adjusting the initial limit according to the patient's illness, it can more accurately match the patient's medical needs and avoid a "one-size-fits-all" limit setting. For patients with high rehabilitation costs, the credit-based medical limit evaluation system can provide some financial support and alleviate their financial burden. By scoring patients' overdue payments during hospitalization and overdue payments outside of hospitalization differently, this method can more intuitively reflect the patient's credit status, making the impact of overdue payments during hospitalization on the patient's credit limit smaller. This method can convey a positive incentive signal, but it also understands and tolerates overdue behavior in special circumstances. This inclusiveness helps to enhance patients' credit awareness and encourages them to more actively maintain their credit records in the future.

This application relates to the field of artificial intelligence technology and can be applied to the fintech sector. It discloses a method, apparatus, electronic device, and storage medium for processing credit limit data interaction. The method includes: parsing the credit limit processing request of the target credit limit object, determining the request type, and obtaining credit limit configuration data, credit limit occupancy data, risk characteristic data, and historical credit limit processing records; determining credit limit adjustment parameters based on the risk characteristic data and historical credit limit processing records through a preset credit limit adjustment model; generating credit limit status data during credit limit setting; performing deletion restrictions or deletion processing based on the occupancy status during credit limit deletion; obtaining credit limit operation records and controlling the status of attachment entries during record queries; synchronously updating the visual status based on the credit limit interaction processing results; generating the current credit limit operation record and storing it in association. This method can improve the accuracy of credit limit data processing, operational controllability, status consistency, and historical traceability efficiency.

This invention discloses a method, apparatus, device, and storage medium for credit limit adjustment. The method obtains relevant field information of the target product from the credit limit update instruction via a server, and determines the target dimension parameter in the dimension information group corresponding to the target product in the Redis database based on the relevant field information. The server, based on the Redis database, serially processes the credit limit update operation in the credit limit update instruction, and when the deductible credit corresponding to the target dimension parameter is not less than the deductible credit, updates the deductible credit corresponding to the target dimension parameter of the target product and the total deductible credit of the product accordingly based on the deductible credit. This invention, based on the Redis database, realizes multi-dimensional credit limit control for products and achieves serial execution of credit limit operations during concurrency, improving the flexibility of product credit limit control, increasing the accuracy of product credit limit control, and enhancing the execution efficiency of the business system.

The invention discloses a novel agricultural operation subject quota credit granting method based on prediction of a user post-loan repayment probability, belongs to the technical field of data science and the like, and solves the problem that a traditional assessment method cannot effectively identify and disperse risks. The method comprises the steps of obtaining multi-element agricultural operation subject data, urban per capita GDP, GDP acceleration and local agricultural operation subject assistance policies, performing preprocessing to obtain a data set A, and performing training to obtain a trained LightGBM algorithm and a trained random forest algorithm; predicting to obtain an overdue repayment probability A of each period and an overdue repayment probability B of each period of the user; processing to obtain an overdue repayment probability of each period of the user; taking the predicted overdue repayment probability of the user in each period as a new variable to train a multiple regression model, and obtaining a linear model for predicting the credit line; and carrying out credit prediction on the new multivariate agricultural operation subject data and the like based on a linear model to obtain an estimated value of a credit line. The method is used for predicting novel agricultural operation subject quota credit granting.

To urge a user who has failed in credit examination to perform purchase action.SOLUTION: A settlement management server 30 sets credit limit information indicating an upper limit amount by which a credit transaction can be performed in a store operated by a business operator. When receiving an instruction to purchase a commodity using a credit transaction from a user terminal 20, a provider server 10 inquires of a settlement management server about a credit limit balance of the user. When the price of the product exceeds the credit line balance, the provider server 10 notifies the user terminal 20 that the product cannot be purchased with the current credit line balance, and then transmits information on a substitute product that can be purchased within the range of the credit line balance or a procedure for increasing the credit line balance to the user terminal 20.SELECTED DRAWING: Figure 1

The invention provides a credit loan management method and device, electronic equipment and a storage medium. The credit loan management method comprises the steps of responding to a limit query instruction initiated for a client; extracting historical selling data and historical planting data corresponding to account information from a cotton purchasing platform based on the account information in the quota query instruction; obtaining bank asset management data of a client corresponding to the client within a preset time; and determining a credit line according to the historical selling data, the historical planting data and the asset management data, and displaying the credit line to a client through a client. According to the method, manual assistance is not needed, credit assessment and corresponding loan services are rapidly and accurately obtained, and the ability of cotton farmers to expand production and resist market risks is seriously restricted.

Disclosed systems and methods may receive real-time, external credit line information into one or more source applications. Thereafter, the real-time, external credit line information may be merged with internal credit line information and legacy information via a data orchestrator. The merged information may be further consolidated via the data orchestrator resulting in one or more micro batches of merged credit line information that are transmitted to a credit line decisioning system at frequent intervals. At least one exclusion rule may be applied to the transmitted credit line information, and thereafter, the transmitted credit line information may be provided to an interactive visual tool for real-time credit line management. The interactive interface allows for a user to incorporate real-time credit line information into credit line management decision-making. Thus, the credit line management system described herein provides real-time credit line information to enable real-time decision-making regarding credit line increase, decrease, and closure.

The invention discloses a method for risk management and control after a water transportation platform draws a freight in advance, and relates to the technical field of water transportation logistics finance, risk control is extended to be after pre-drawing, a comprehensive risk level is generated through continuous monitoring, fusion of repayment capability, operation stability and abnormal behavior three-dimensional scoring, dynamic quota adjustment is linked, and the risk management and control efficiency is improved. The method has the advantages that the risk control link is extended from only one-time auditing before loaning to after a ship owner takes the freight in advance, static evaluation is replaced by continuous monitoring, and the risk control efficiency is improved by combining the business characteristics of the water transportation industry. A multi-dimensional risk assessment system covering repayment behaviors, operation states and abnormal behaviors is constructed, hidden risk signals such as operation deterioration and repayment abnormity are actively captured instead of being passively handled after overdue or bad debts occur, and the defects that in the prior art, risk identification lags behind, and dynamic monitoring means after taking is lacked are effectively overcome.

In some examples, a payment service receives transaction data for transactions processed by the payment service. Based on information related to a user of the payment service, an artificial intelligence (AI) model is used to generate a first credit offer and credit limit for the user, the AI model having been trained using the transaction data to generate credit offers by determining whether information about the user satisfies a first threshold for likelihood of default. One or more characteristics of the user are compared with one or more characteristics of at least one similar user to determine that the user is associated with additional information indicating that the user satisfies a second threshold for likelihood of default. The AI model is used to generate a second credit offer and credit limit for the user based at least on the additional information satisfying the second threshold for likelihood of default.

Disclosed herein are system, method, and computer program product embodiments for tokenization of a line of credit. A method include generating, using at least one processor of an issuer system, a token that represents a line of credit value for a customer account. The method further comprises attaching a smart contract to the token to generate a wrapped token. The smart contract is configured to implement one or more rules associated with the customer account. The method further comprises detecting a trigger event associated with a change in a balance of the line of credit value or the one or more rules and in response to detecting the trigger event, syncing in real-time the wrapped token to the balance of the line of credit value.

A financial system and method designed to help individuals build or repair their credit history through the use of a debit card includes building a credit history by leveraging direct deposits from ones employer to establish a line of credit. The line of credit can then be reported to credit bureaus regularly, thus enhancing a user's credit score. In one specific form, the financial system and method first establishes a credit line based on a user's direct salary deposit. A line of credit is then specifically established based on the amount of the direct deposit amounts. Regular reporting of purchase activities and balances are reported to credit bureaus such as Experian every two weeks for example.

The invention belongs to the field of financial credit financing, and particularly relates to an order triggering type credit processing method and system based on a supply chain. The method specifically comprises the steps that S1, a merchant submits an order on a supply chain ordering platform; s2, the financial institution system obtains external risk data from an external risk database; s3, only when the external risk data does not hit the high-risk rule, the financial institution system calculates the credit line in real time according to the historical operation data; s4, the financial institution system examines and approves the payment amount, transfers the loan fund to a merchant account and automatically pays the loan fund to a designated payee; and S5, the financial institution system automatically deducts original interest funds, and after deduction succeeds, the credit line is automatically updated. According to the credit processing method and system, accurate real-time risk control is carried out based on industry data, credit funds are directionally used for payment of goods after being issued, and the financing problem is solved for small and micro merchants in a supply chain system.

The application discloses a credit business processing method and device, electronic equipment and storage medium, and relates to the technical field of computers, which comprises the following steps: obtaining highway toll data authorized by an enterprise, wherein the toll data at least contains account state information, arrearage information and credit list information; performing multi-level credit verification based on the highway toll data, and determining that the credit limit is zero if any verification in the multi-level credit verification fails; when all the multi-level credit verification passes, calculating the credit limit based on a credit limit calculation model according to the cumulative toll fee of the enterprise within a preset time period; interacting the credit result data with an external traffic data platform, and synchronizing the toll data that passes the credit to a data warehouse for post-loan risk monitoring and early warning. The technical effect of improving the precision of credit business and strengthening the post-loan risk control capability is achieved.

The invention provides a commodity sales management method and system, electronic equipment and a storage medium, and relates to the technical field of data processing. According to the method, the commodity application based on the credit line of the distributor is received, and the account receivable record is generated, so that the separation of the ownership and the sales right of the commodity is realized, and the fund pressure of the distributor is effectively relieved; by marking the circulation state of the applied commodity, it is ensured that the sell-on-credit commodity still belongs to a manufacturer before being sold, and the risk of inventory price drop of the sell-on-credit commodity is avoided; by receiving sales event data and triggering debt cancel-after-verification and incentive reward calculation, offline sales behaviors are converted into a verifiable and traceable data closed loop, and the accuracy and automation level of financial accounting are improved; through combination of the dynamic commission rule and the automatic generation of the financial settlement voucher, the whole-process online collaboration of money return, verification, reward and settlement is realized, the supply chain management efficiency is improved, the manual account checking cost is reduced, and the trust and collaboration capability between manufacturers is enhanced.

A sponsored system and method for a user of gaming portals to place wagers to voluntarily establish with the assistance of the system sponsor an appropriate gambling budget for the user and to voluntarily limit the available aggregate of debt to a personalized credit limit so that the user's predetermined gambling budget is not exceeded. The compulsive gambler and / or electronic gaming player is protected by the system's identification of gambling risk patterns and / or electronic gaming habits. The system provides a “risk backstop” to prevent the accrual of debt from betting or electronic game playing that is beyond the individual user's financial capacity.

The invention discloses a credit line processing method and device based on agricultural services, and relates to the technical field of data processing, and the method comprises the steps: receiving a personal basic information data packet of a target user uploaded by a client, and collecting the planting parameters of the target user through a data interface; generating a corresponding agricultural service scheme according to the planting parameters, and calculating an agricultural service quotation value corresponding to the agricultural service scheme; according to the personal basic information data packet, the planting parameters and agricultural product acquisition contract data associated with the target user, determining a credit evaluation value, a mortgage evaluation value and an agricultural product acquisition value corresponding to the target user through a preset evaluation algorithm; determining a total estimated limit value according to the credit evaluation value, the mortgage evaluation value and the agricultural product acquisition value; and comparing the total estimated quota value with the agricultural service quotation value, if the total estimated quota value meets a preset access condition, generating a credit line control instruction of the target user, and establishing a credit account corresponding to the target user.