CN107833132A - A kind of control method of financial transaction, device and server - Google Patents
A kind of control method of financial transaction, device and server Download PDFInfo
- Publication number
- CN107833132A CN107833132A CN201711079693.8A CN201711079693A CN107833132A CN 107833132 A CN107833132 A CN 107833132A CN 201711079693 A CN201711079693 A CN 201711079693A CN 107833132 A CN107833132 A CN 107833132A
- Authority
- CN
- China
- Prior art keywords
- limit
- transaction
- default
- financial transaction
- information
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
- G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- Economics (AREA)
- Strategic Management (AREA)
- Development Economics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides a kind of control method of financial transaction, device and server, in the present invention, it is previously provided with multiple default dimensions, after obtaining the first Transaction Information, just go to be analyzed to obtain the information of each default dimension according to the first Transaction Information, because the subsequent operation preset dimension and obtain presetting after the information of dimension is constant, even if run into the species increase of financial transaction, also can be analyzed to obtain the information of each default dimension according to the Transaction Information of increased financial transaction, and then perform subsequent operation, no longer need to write code to realize one storage region of increase to store the aggregate transaction data of increased financial transaction and financial transaction limit, and then manpower can be reduced.
Description
Technical field
The present invention relates to financial field, in particular, is related to a kind of control method of financial transaction, device and service
Device.
Background technology
In order to ensure the security of transaction, quota system can be carried out to bank card.
Wherein, bank card quota system refers to that user is carrying out financial transaction, when such as transferring accounts, depositing transaction, can judge
Whether the aggregate transaction data of Client-initiated financial transaction reaches financial transaction limit, when reaching financial transaction limit, this
When refuse Client-initiated this financial transaction.Wherein, each financial transaction has corresponding aggregate transaction data and finance
Trading limit.
When the species increase of financial transaction, such as add wrist-watch merchandise a kind of this financial transaction when, it is necessary to manually go to compile
Code is write to go to increase a storage region to store the aggregate transaction data of increased financial transaction and financial transaction limit, so
One, substantial amounts of manpower can be wasted.
The content of the invention
In view of this, the present invention provides a kind of control method of financial transaction, device and server, to solve when finance is handed over
, it is necessary to the problem of writing code and then waste of manpower during easy species increase.
In order to solve the above technical problems, present invention employs following technical scheme：
A kind of control method of financial transaction, applied to server, including：
When user initiates financial transaction on the subscriber terminal, the first Transaction Information that the user terminal is sent is received；
According to first Transaction Information, analysis obtains the information of each default dimension；
Search default financial transaction limit corresponding with the information of all default dimensions and aggregate transaction data；
Numerical value in the aggregate transaction data and the transaction numerical value of the financial transaction are summed, obtain accumulating sum；
When the accumulating sum is less than the default financial transaction limit, by the numerical value in the aggregate transaction data more
It is newly the accumulating sum, concurrently send transaction successful message to the user terminal.
Preferably, the information of each default dimension is obtained according to first Transaction Information, analysis, including：
The numerical value of predeterminated position in first Transaction Information more numbers corresponding with each default dimension
Value is matched, and obtains the numerical value of each default dimension corresponding to the financial transaction；
The numerical value of each default dimension according to corresponding to the financial transaction, matching obtain each default dimension
Information.
Preferably, transaction successful message is sent to after the user terminal, in addition to：
When the user terminal does not receive the transaction successful message in preset time, the user terminal is received
The second Transaction Information sent；
When second Transaction Information includes rushing positive Transaction Information, by the numerical value in the aggregate transaction data after renewal
Subtract each other with the transaction numerical value, the accumulating sum after being updated；
Numerical value in the aggregate transaction data is updated to the accumulating sum after the renewal.
Preferably, judge whether the accumulating sum is less than the default financial transaction limit, including：
When the account setup of the user has the specified limit of the financial transaction, judge whether the accumulating sum is small
In the specified limit；
When the account of the user is not provided with the specified limit of the financial transaction, whether the accumulating sum is judged
Less than default default limit.
Preferably, in addition to：
Receive the limit query statement that the user terminal is sent；
Limit Query Result is fed back to the user terminal, so that user terminal order shows the whole of the user
Financial transaction default financial transaction limit；
Wherein, the limit Query Result meets preset rules；
The preset rules are included when at least one financial transaction of the user is provided with specified limit, the limit
It is provided with Query Result corresponding to the financial transaction of specified limit and presets financial transaction limit as specified limit accordingly；
When at least one financial transaction of the user is not provided with specified limit but is provided with default default limit,
It is not provided with specifying limit but being provided with the limit Query Result presetting gold corresponding to the financial transaction of default default limit
Melt trading limit as default default limit accordingly；
When at least one financial transaction limit of the user is not provided with default default limit, the limit inquiry knot
Financial transaction limit is preset corresponding to the financial transaction that default default limit is not provided with fruit as default limit accordingly.
Preferably, in addition to：
Receive the limit modification instruction that the user terminal is sent；Wherein, the limit modification instruction includes needing to change
Specify the limit value of financial transaction and the user's input of limit；
When the financial transaction that need to change specified amount belongs to the transaction of the first risk limitation, unexpected message is sent to the use
Family terminal；
When the financial transaction that need to change specified limit belongs to, the second risk limitation is merchandised and the limit value is no more than default
During risk threshold value, the current specified limit for the financial transaction that need to change specified limit is revised as the limit value；
When the financial transaction that need to change specified limit belongs to the transaction of the 3rd risk limitation, the gold of specified limit will need to be changed
The current specified limit for melting transaction is revised as the limit value.
Preferably, in addition to：
Receive default limit modification instruction；Wherein, the default limit modification instruction includes that default acquiescence limit need to be changed
The financial transaction of volume and the default limit value of user's input；
The numerical value of the current default default limit for the financial transaction that default default limit need to be changed is revised as described silent
Recognize limit value.
A kind of control device of financial transaction, applied to server, including：
Receiving module, for when user initiates financial transaction on the subscriber terminal, receiving the user terminal transmission
First Transaction Information；
Information analysis module, for obtaining the information of each default dimension according to first Transaction Information, analysis；
Searching modul, for searching default financial transaction limit corresponding with the information of all default dimensions and tiring out
Count transaction data；
Summation module, for the transaction numerical value of the numerical value in the aggregate transaction data and the financial transaction to be summed,
Obtain accumulating sum；
Update module, for when the accumulating sum is less than the default financial transaction limit, by the accumulative transaction
Numerical value in data is updated to the accumulating sum；
Message transmission module, for sending transaction successful message to the user terminal.
Preferably, described information analysis module is used to obtain each default dimension according to first Transaction Information, analysis
Information when, be specifically used for：
The numerical value of predeterminated position in first Transaction Information more numbers corresponding with each default dimension
Value is matched, and obtains the numerical value of each default dimension corresponding to the financial transaction；
The numerical value of each default dimension according to corresponding to the financial transaction, matching obtain each default dimension
Information.
A kind of server, including processor, sending port and receiving port；
The receiving port, for when user initiates financial transaction on the subscriber terminal, receiving the user terminal hair
The first Transaction Information sent；
The processor, for according to first Transaction Information, analysis to obtain the information of each default dimension, search with
Financial transaction limit and aggregate transaction data all are preset corresponding to the information of the default dimension, by the accumulative number of deals
Numerical value and the transaction numerical value of the financial transaction in are summed, and obtain accumulating sum, when the accumulating sum is less than described pre-
If during financial transaction limit, the numerical value in the aggregate transaction data is updated to the accumulating sum；
The sending port, for sending transaction successful message to the user terminal.
Compared to prior art, the invention has the advantages that：
The invention provides a kind of control method of financial transaction, device and server, in of the invention, is previously provided with more
Individual default dimension, after obtaining the first Transaction Information, just go to be analyzed to obtain the information of each default dimension according to the first Transaction Information,
Because the subsequent operation preset dimension and obtain presetting after the information of dimension is constant, even if running into the kind of financial transaction
During class increase, it can also be analyzed to obtain the information of each default dimension according to the Transaction Information of increased financial transaction, and then hold
Row subsequent operation, it is no longer necessary to remove to write code to realize one storage region of increase and store the accumulative of increased financial transaction
Transaction data and financial transaction limit, and then manpower can be reduced.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
There is the required accompanying drawing used in technology description to be briefly described, it should be apparent that, drawings in the following description are only this
The embodiment of invention, for those of ordinary skill in the art, on the premise of not paying creative work, can also basis
The accompanying drawing of offer obtains other accompanying drawings.
Fig. 1 is a kind of method flow diagram of the control method of financial transaction provided by the invention；
Fig. 2 is the method flow diagram of the control method of another financial transaction provided by the invention；
Fig. 3 is a kind of structural representation of the control device of financial transaction provided by the invention；
Fig. 4 is the structural representation of the control device of another financial transaction provided by the invention.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Site preparation describes, it is clear that described embodiment is only part of the embodiment of the present invention, rather than whole embodiments.It is based on
Embodiment in the present invention, those of ordinary skill in the art are obtained every other under the premise of creative work is not made
Embodiment, belong to the scope of protection of the invention.
The embodiments of the invention provide a kind of control method of financial transaction, applied to server, wherein, server is silver
The background server of row system, control method comprise the following steps：
S11, when user initiates financial transaction on the subscriber terminal, receive user terminal send the first Transaction Information；
Wherein, user terminal includes the terminals such as ATM ATM, point-of-sale terminal POS, and the financial transaction of initiation can
To be to transfer accounts, inquire about, the transaction such as withdraw the money.
First Transaction Information refers to deliver newspaper text in transaction, and text of being delivered newspaper in transaction is the message that length is 8583 bytes, message
In be written with 128 threshold values, wherein, in 128 domains, the numerical value only in the domain of part is Effective Numerical.
S12, according to the first Transaction Information, analysis obtains the information of each default dimension；
Specifically, default dimension includes trade network dimension, transaction channel dimension, transaction region dimension, type of transaction dimension
Degree.Default dimension is recorded in limit table of comparisons LXLT.
Wherein, trade network dimension can be the dimension that network, Unionpay etc. represent mode of doing business, and angle channel dimension can be with
It is the dimension of the means of payment such as Net silver, ATM, transaction region dimension can be the dimension of the country such as China's Mainland, the U.S., Britain,
Type of transaction dimension can be transfer accounts, withdraw the money, inquiring about, depositing, the type of enchashment five.Generally, the finance that user is carried out
The type of transaction of transaction, all cover and transferring accounts, withdraw the money, inquire about, deposit, in enchashment this five type.
Such as：Read and parse the numerical value in the first Transaction Information, parse that " I takes on Unionpay's ATM of China's Mainland
300 yuan of money ".It is Unionpay that trade network, which can be analyzed, and transaction channel ATM, transaction region is China's Mainland, and type of transaction is
Withdraw the money.
It should be noted that after there is provided four default dimensions, multiple sub- dimensions are additionally provided with below each default dimension
Degree, according to the sub- dimension of existing setting, four default dimensions can realize 4320 kinds of single limit controls at present, and
4320！(4320！=4320*4319* ... * 2*1) kind combination limit.
Optionally, on the basis of the present embodiment, step S12 includes：
1) numerical value of the predeterminated position in the first Transaction Information multiple numerical value corresponding with each default dimension are carried out
Matching, obtain each presetting the numerical value of dimension corresponding to financial transaction；
2) each the numerical value of default dimension, matching obtain the information of each default dimension according to corresponding to financial transaction.
Specifically, because each default dimension has more sub- dimensions, when such as default dimension is type of transaction dimension, transaction
Type dimension includes five sub- dimensions, that is, transfers accounts, withdraws the money, inquiring about, depositing, enchashment this five type.
Wherein, each every sub- dimension of default dimension is corresponding with default dimension numerical value, pre- as corresponding to China's Mainland
It is 840 that dimension numerical value is preset if dimension numerical value 156, corresponding to the U.S..
And each preset dimension and predeterminated position is corresponding with the first Transaction Information, handed over such as in 33 domains with representative
The numerical value of easy network dimension, with the numerical value for representing region dimension of merchandising in the 19th domain, merchandised in the 25th domain with representative
The numerical value of channel dimension.
Specifically, reading out default dimension corresponding numerical value in the first Transaction Information, then find the numerical value and belong to pre-
If which sub- dimension of dimension, the information of default dimension can either be determined.
Such as, the numerical value write in 19 domains be 156, due to the 19th domain represent be merchandise region dimension numerical value, now,
156 which the sub- dimension for belonging to transaction region dimension are checked, by comparing, discovery belongs to China's Mainland, that is, region dimension of merchandising
Information be China's Mainland.
S13, lookup default financial transaction limit corresponding with the information of all default dimensions and aggregate transaction data；
Specifically, default financial transaction limit is stored in card trading limit table LMVU and card product default limit table LMDF
In, aggregate transaction data is stored in card limit progressive schedule LMTT.
Wherein, what is stored in LMVU is the specified limit of client's setting, and what is stored in LMDF is default default limit.
The two tables of TXLT, LMDF need periodically to be safeguarded, safeguard that the additions and deletions for including data are looked into and change.
It should be noted that the present embodiment can realize the control of multiple limit, (account transfer aggregate limit, sales counter are transferred accounts limit, net
Silver is transferred accounts limit, and ATM transfers accounts limit) and combination limit add up codes such as (+enchashment limit of transferring accounts, no card trading limits) and be difficult to reality
Existing limit demand.
Specifically, default financial transaction limit and aggregate transaction data are arranged to a variety of corresponding to the information of default dimension
Default financial transaction limit and aggregate transaction data corresponding to limit control either combination limit is accumulative.
Such as want realization transfer accounts+enchashment limit when, preset and financial transaction limit and tired preset corresponding to the information of dimension
Meter transaction data is arranged to transfer accounts+default financial transaction limit and aggregate transaction data corresponding to enchashment.When transferring accounts
When, transfer amounts are contributed to transfer accounts+aggregate transaction data corresponding to enchashment in, and judge this transfer accounts numerical value whether exceed turn
Financial transaction limit is set corresponding to account+enchashment, when not less than transfer accounts+enchashment corresponding to set financial transaction limit when, it is allowed to this
Transaction passes through.
It should be noted that in order to meet different integration periods, it is also necessary to set different accumulative cleaning mechanism.
The integration periods of this field are have recorded in TXLT：Year, month, day etc., and a trade date is recorded in LMTT tables.Each time
Accumulative operation, can all combine integration periods, be compared according to current date and a upper trade date.When integration periods are " day "
When, compare current trading day phase and last transaction date of occurrence, if unequal, first clear up former aggregate transaction data, then enter
Row is accumulative.
S14, the numerical value in aggregate transaction data and the transaction numerical value of financial transaction summed, obtain accumulating sum；
Specifically, the transaction numerical value of financial transaction refers to the numerical value of this transaction of user, as user transfers accounts 200 yuan, then this
Secondary transaction numerical value is 200.
S15, when accumulating sum is less than default financial transaction limit, the numerical value in aggregate transaction data is updated to add up
The amount of money, transaction successful message is concurrently sent to user terminal.
When accumulating sum is less than default financial transaction limit, illustrate not reaching the upper of default financial transaction limit
Limit, now allow user to carry out financial transaction, send transaction successful message to user terminal.
Optionally, on the basis of the present embodiment, judge whether accumulating sum is less than default financial transaction limit, including：
1) when the account setup of user has the specified limit of financial transaction, judge whether accumulating sum is less than and specify limit
Volume；
2) when the account of user is not provided with the specified limit of financial transaction, it is default silent to judge whether accumulating sum is less than
Recognize limit.
Specifically, user can be set according to the user's request of itself specifies limit, can also be not provided with specifying limit, this
When the default default limit that is set automatically using server.
When user is provided with specified limit, judges whether accumulating sum is less than and specify limit, when user is not provided with referring to
During fixed limit volume, judge whether accumulating sum is less than default default limit.
In the present embodiment, multiple default dimensions are previously provided with, after obtaining the first Transaction Information, are just gone according to the first transaction
Information analysis obtains the information of each default dimension, due to presetting dimension and obtaining the follow-up behaviour after the information of default dimension
Work is constant, also can be according to the Transaction Information of increased financial transaction point even if run into the species increase of financial transaction
Analysis obtains the information of each default dimension, and then performs subsequent operation, it is no longer necessary to goes to write code to realize that increase by one is deposited
Storage area domain stores the aggregate transaction data of increased financial transaction and financial transaction limit, and then can reduce manpower.
Optionally, on the basis of above-described embodiment, after transmission transaction successful message to user terminal, in addition to：
1) when user terminal does not receive transaction successful message in preset time, user terminal is sent second is received
Transaction Information；
Specifically, when user terminal send the first Transaction Information after preset time in do not receive transaction successful message
When, illustrate now, although after server sends transaction successful message, due to the reasons such as network, user terminal
When not receiving the transaction successful message in preset time, but now, server is by aggregate transaction data
Numerical value is updated to accumulating sum, so now needing user terminal to send the second Transaction Information to server, so that server is held
The positive transaction of row punching.
2) when the second Transaction Information includes rushing positive Transaction Information, by the numerical value in the aggregate transaction data after renewal with
Transaction numerical value subtracts each other, the accumulating sum after being updated；
Specifically, the numerical value in a certain threshold value in the second Transaction Information represent when this transaction is just merchandised for punching, it is necessary to
Will the just increased transaction numerical value deletion in aggregate transaction data.
3) numerical value in aggregate transaction data is updated to the accumulating sum after renewal.
In the present embodiment, when user terminal does not receive transaction successful message in preset time, illustrate this user
Terminal thinks that this financial transaction is failed, but because server have updated aggregate transaction data, now should be again
The second Transaction Information is sent to server, so that server performs the positive transaction of punching, updates the numerical value in aggregate transaction data again.
Optionally, on the basis of any of the above-described embodiment, in addition to：
1) the limit query statement that user terminal is sent is received；
Specifically, when user wants inquiry limit, limit query statement can be now sent by user terminal to service
Device.
2) limit Query Result is fed back to user terminal, so that user terminal order shows whole financial transactions of user
Default financial transaction limit；
Wherein, limit Query Result meets preset rules；
Preset rules are included when at least one financial transaction of user is provided with specified limit, are set in limit Query Result
It is equipped with corresponding to the financial transaction of specified limit and presets financial transaction limit as specified limit accordingly；
When at least one financial transaction of user is not provided with specified limit but is provided with default default limit, limit
It is not provided with specifying limit but being provided with corresponding to the financial transaction of default default limit in Query Result presetting financial transaction limit
Volume is default default limit accordingly；
When at least one financial transaction limit of user is not provided with default default limit, do not set in limit Query Result
It is equipped with corresponding to the financial transaction of default default limit and presets financial transaction limit as default limit accordingly.
Specifically, when financial transaction has specified limit, show and specify limit；When not specifying limit, there is default acquiescence
During limit, default default limit is shown, when Non-precondition default limit, shows default limit.
Wherein, it is the maximum numerical value that server is set to preset limit.
It should be noted that user terminal show user whole financial transactions default financial transaction limit when,
The quota data significant to client is only shown, rather than thousands of kinds of possible data all display processings in server, enhancing
The validity of Query Result.I.e. user will only see the limit oneself enabled, not can be appreciated that the limit not enabled.
For example, server, which has preset limit, No. 1-20, and client has only used No. 1 and No. 3 limits, not using 2
Number limit, when display, by the empty position of No. 2 limits, polishing, the effect of sequence are exactly only to show valid data forward.
In the present embodiment, limit inquiry service can be provided the user, and then the finance friendship of oneself can be let the user know that
Easy default financial transaction limit.
Optionally, on the basis of any of the above-described embodiment, reference picture 2, in addition to：
S21, receive the limit modification instruction that user terminal is sent；
Wherein, limit modification instruction includes the limit value that need to change the financial transaction of specified limit and user's input.
Specifically, financial transaction refers to define trade network dimension, transaction channel dimension, transaction region dimension and transaction
The financial transaction of type dimension, defining trade network dimension, transaction channel dimension, transaction region dimension and type of transaction dimension
After degree, a financial transaction can be uniquely determined out.
S22, when the financial transaction that need to change specified amount belong to the first risk limitation transaction when, send unexpected message to use
Family terminal；
Specifically, different trade network dimensions, transaction channel dimension, transaction region dimension and type of transaction dimension gold
Financial transaction corresponding to melting transaction belongs to what what risk classifications had been set in advance.
Risk classifications are divided into the transaction of the first risk limitation, the transaction of the second risk limitation and the transaction of the 3rd risk limitation.
First risk limitation, which is merchandised, belongs to the transaction of excessive risk, belongs to the transaction that user is difficult to control risk, this high wind
The transaction of danger does not allow user oneself setting to specify limit, can now send unexpected message to user terminal, and then inform user
Do not allow to change specified limit.
S23, when the financial transaction that need to change specified limit belongs to, the second risk limitation is merchandised and limit value is no more than default
During risk threshold value, the current specified limit for the financial transaction that need to change specified limit is revised as limit value；
The transaction of second risk limitation is the transaction of low-risk, as long as the numerical value of the specified numerical value of this transaction user setting is not
During more than default risk threshold value, it becomes possible to allow user to change.Wherein, default risk threshold value is technical staff according to specifically used
What scene was set.
It should be noted that presetting risk threshold value when the limit value of user's setting exceedes, now, user can be exceeded and control wind
Outside danger, and then it is not allow user to change when the limit value of user's setting exceedes default risk threshold value.
S23, when the financial transaction that need to change specified limit belong to the 3rd risk limitation transaction when, specified limit need to be changed
The current specified limit of financial transaction be revised as limit value.
3rd risk limitation, which is merchandised, belongs to the transaction of devoid of risk, and this transaction allows user to be gone according to the user's request of itself
Arbitrarily the numerical value of limit is specified in setting.
In the present embodiment, the type according to belonging to user changes the financial transaction for specifying limit, go to judge that user's modification refers to
Fixed limit volume whether there is risk, and then can avoid the modification of the specified limit of user's progress Risks.
Optionally, on the basis of any of the above-described embodiment, in addition to：
1) default limit modification instruction is received；
Wherein, default limit modification instruction includes changing the financial transaction of default default limit and user inputs
Default limit value；
Specifically, when background maintenance personnel want to change default default limit, default limit modification instruction can be sent.
2) numerical value of the current default default limit for the financial transaction that need to change default default limit is revised as giving tacit consent to
Limit value.
When server receives default limit modification instruction, the numerical value of current default default limit can be revised as giving tacit consent to
Limit value.
In the present embodiment, the default default limit of background maintenance personnel modification is can allow for, and then background maintenance people can be made
Member sets default default limit according to specifically used scene.
The embodiments of the invention provide a kind of control device of financial transaction, reference picture 3, applied to server, including：
Receiving module 101, for when user initiates financial transaction on the subscriber terminal, receive that user terminal sends the
One Transaction Information；
Information analysis module 102, for obtaining the information of each default dimension according to the first Transaction Information, analysis；
Searching modul 103, for searching default financial transaction limit corresponding with the information of all default dimensions and tiring out
Count transaction data；
Summation module 104, for the transaction numerical value of the numerical value in aggregate transaction data and financial transaction to be summed, tired out
Count the amount of money；
Update module 105, for when accumulating sum is less than default financial transaction limit, by the number in aggregate transaction data
Value is updated to accumulating sum；
Message transmission module 106, for sending transaction successful message to user terminal.
Further, information analysis module 102 is used to obtain the information of each default dimension according to the first Transaction Information, analysis
When, it is specifically used for：
The numerical value of predeterminated position in the first Transaction Information multiple numerical value corresponding with each default dimension are carried out
Match somebody with somebody, obtain each presetting the numerical value of dimension corresponding to financial transaction；
Each the numerical value of default dimension, matching obtain the information of each default dimension according to corresponding to financial transaction.
Further, the judge module of control device, during for judging whether accumulating sum is less than default financial transaction limit,
It is specifically used for：
When the account setup of user has the specified limit of financial transaction, judge whether accumulating sum is less than and specify limit；
When the account of user is not provided with the specified limit of financial transaction, judge whether accumulating sum is less than default acquiescence
Limit.
In the present embodiment, multiple default dimensions are previously provided with, after obtaining the first Transaction Information, are just gone according to the first transaction
Information analysis obtains the information of each default dimension, due to presetting dimension and obtaining the follow-up behaviour after the information of default dimension
Work is constant, also can be according to the Transaction Information of increased financial transaction point even if run into the species increase of financial transaction
Analysis obtains the information of each default dimension, and then performs subsequent operation, it is no longer necessary to goes to write code to realize that increase by one is deposited
Storage area domain stores the aggregate transaction data of increased financial transaction and financial transaction limit, and then can reduce manpower.
It should be noted that the course of work of the modules in the present embodiment, refer to corresponding in above-described embodiment
Illustrate, will not be repeated here.
Optionally, on the basis of the embodiment of above-mentioned control device, in addition to：
Information receiving module, after the transmission transaction successful message of message transmission module 106 to user terminal, work as user
When terminal does not receive transaction successful message in preset time, the second Transaction Information that user terminal is sent is received；
Data computation module, for when the second Transaction Information includes rushing positive Transaction Information, by the accumulative friendship after renewal
Numerical value in easy data subtracts each other with transaction numerical value, the accumulating sum after being updated；
Data update module, for the numerical value in aggregate transaction data to be updated to the accumulating sum after renewal.
In the present embodiment, when user terminal does not receive transaction successful message in preset time, illustrate this user
Terminal thinks that this financial transaction is failed, but because server have updated aggregate transaction data, now should be again
The second Transaction Information is sent to server, so that server performs the positive transaction of punching, updates the numerical value in aggregate transaction data again.
It should be noted that the course of work of the modules in the present embodiment, refer to corresponding in above-described embodiment
Illustrate, will not be repeated here.
Optionally, on the basis of the embodiment of any of the above-described control device, in addition to：
Querying command receiving module, for receiving the limit query statement of user terminal transmission；
As a result feedback module, for feeding back limit Query Result to user terminal, so that user terminal order shows user
Whole financial transactions default financial transaction limit；
Wherein, limit Query Result meets preset rules；
Preset rules are included when at least one financial transaction of user is provided with specified limit, are set in limit Query Result
It is equipped with corresponding to the financial transaction of specified limit and presets financial transaction limit as specified limit accordingly；
When at least one financial transaction of user is not provided with specified limit but is provided with default default limit, limit
It is not provided with specifying limit but being provided with corresponding to the financial transaction of default default limit in Query Result presetting financial transaction limit
Volume is default default limit accordingly；
When at least one financial transaction limit of user is not provided with default default limit, do not set in limit Query Result
It is equipped with corresponding to the financial transaction of default default limit and presets financial transaction limit as default limit accordingly.
In the present embodiment, limit inquiry service can be provided the user, and then the finance friendship of oneself can be let the user know that
Easy default financial transaction limit.
It should be noted that the course of work of the modules in the present embodiment, refer to corresponding in above-described embodiment
Illustrate, will not be repeated here.
Optionally, on the basis of the embodiment of any of the above-described control device, reference picture 4, in addition to：
First command reception module 202, the limit for receiving user terminal transmission change instruction；Wherein, limit is changed
Instruction includes the limit value of the financial transaction that need to change specified limit and user's input；
Unexpected message sending module 201, for being handed over when the financial transaction that need to change specified amount belongs to the first risk limitation
Yi Shi, unexpected message is sent to user terminal；
First modified module 203, for when the financial transaction that need to change specified limit belong to the transaction of the second risk limitation and
When limit value is not more than default risk threshold value, the specified limit for the financial transaction that need to change specified limit is revised as limit value；
Second modified module 204, for when the financial transaction that need to change specified limit belong to the 3rd risk limitation transaction when,
The specified limit for the financial transaction that specified limit need to be changed is revised as limit value.
In the present embodiment, the type according to belonging to user changes the financial transaction for specifying limit, go to judge that user's modification refers to
Fixed limit volume whether there is risk, and then can avoid the modification of the specified limit of user's progress Risks.
It should be noted that the course of work of the modules in the present embodiment, refer to corresponding in above-described embodiment
Illustrate, will not be repeated here.
Optionally, on the basis of the embodiment of any of the above-described control device, in addition to：
Second command reception module, for receiving default limit modification instruction；Wherein, default limit modification instruction includes
The default limit value of financial transaction and the user's input of default default limit need to be changed；
3rd modified module, for the current default default limit of the financial transaction of default default limit will need to be changed
Numerical value is revised as default limit value.
In the present embodiment, the default default limit of background maintenance personnel modification is can allow for, and then background maintenance people can be made
Member sets default default limit according to specifically used scene.
It should be noted that the course of work of the modules in the present embodiment, refer to corresponding in above-described embodiment
Illustrate, will not be repeated here.
Optionally, a kind of server, including processor, sending port and reception are provided in another embodiment of the present invention
Port；
Receiving port, for when user initiates financial transaction on the subscriber terminal, receiving user terminal is sent first
Transaction Information；
Processor, for obtaining the information of each default dimension according to the first Transaction Information, analysis, search with all presetting
Financial transaction limit and aggregate transaction data are preset corresponding to the information of dimension, by the numerical value in aggregate transaction data and finance
The transaction numerical value summation of transaction, obtains accumulating sum, when accumulating sum is less than default financial transaction limit, by accumulative number of deals
Numerical value in is updated to accumulating sum；
Sending port, for sending transaction successful message to user terminal.
In the present embodiment, multiple default dimensions are previously provided with, after obtaining the first Transaction Information, are just gone according to the first transaction
Information analysis obtains the information of each default dimension, due to presetting dimension and obtaining the follow-up behaviour after the information of default dimension
Work is constant, also can be according to the Transaction Information of increased financial transaction point even if run into the species increase of financial transaction
Analysis obtains the information of each default dimension, and then performs subsequent operation, it is no longer necessary to goes to write code to realize that increase by one is deposited
Storage area domain stores the aggregate transaction data of increased financial transaction and financial transaction limit, and then can reduce manpower.
The foregoing description of the disclosed embodiments, professional and technical personnel in the field are enable to realize or using the present invention.
A variety of modifications to these embodiments will be apparent for those skilled in the art, as defined herein
General Principle can be realized in other embodiments without departing from the spirit or scope of the present invention.Therefore, it is of the invention
The embodiments shown herein is not intended to be limited to, and is to fit to and principles disclosed herein and features of novelty phase one
The most wide scope caused.
Claims (10)
- A kind of 1. control method of financial transaction, it is characterised in that applied to server, including：When user initiates financial transaction on the subscriber terminal, the first Transaction Information that the user terminal is sent is received；According to first Transaction Information, analysis obtains the information of each default dimension；Search default financial transaction limit corresponding with the information of all default dimensions and aggregate transaction data；Numerical value in the aggregate transaction data and the transaction numerical value of the financial transaction are summed, obtain accumulating sum；When the accumulating sum is less than the default financial transaction limit, the numerical value in the aggregate transaction data is updated to The accumulating sum, transaction successful message is concurrently sent to the user terminal.
- 2. control method according to claim 1, it is characterised in that according to first Transaction Information, analysis obtains every The information of individual default dimension, including：The numerical value of predeterminated position in first Transaction Information multiple numerical value corresponding with each default dimension enter Row matching, obtains the numerical value of each default dimension corresponding to the financial transaction；The numerical value of each default dimension according to corresponding to the financial transaction, matching obtain the letter of each default dimension Breath.
- 3. control method according to claim 1, it is characterised in that send transaction successful message to the user terminal it Afterwards, in addition to：When the user terminal does not receive the transaction successful message in preset time, receive the user terminal and send The second Transaction Information；When second Transaction Information includes rushing positive Transaction Information, by the numerical value in the aggregate transaction data after renewal and institute State transaction numerical value to subtract each other, the accumulating sum after being updated；Numerical value in the aggregate transaction data is updated to the accumulating sum after the renewal.
- 4. control method according to claim 1, it is characterised in that it is described default to judge whether the accumulating sum is less than Financial transaction limit, including：When the account setup of the user has the specified limit of the financial transaction, judge whether the accumulating sum is less than institute State specified limit；When the account of the user is not provided with the specified limit of the financial transaction, judge whether the accumulating sum is less than Default default limit.
- 5. control method according to claim 1, it is characterised in that also include：Receive the limit query statement that the user terminal is sent；Limit Query Result is fed back to the user terminal, so that user terminal order shows whole gold of the user Melt the default financial transaction limit of transaction；Wherein, the limit Query Result meets preset rules；The preset rules are included when at least one financial transaction of the user is provided with specified limit, the limit inquiry As a result it is provided with corresponding to the financial transaction of specified limit and presets financial transaction limit as specified limit accordingly；It is described when at least one financial transaction of the user is not provided with specified limit but is provided with default default limit It is not provided with specifying limit but being provided with corresponding to the financial transaction of default default limit in limit Query Result presetting finance friendship Easy limit is default default limit accordingly；When at least one financial transaction limit of the user is not provided with default default limit, in the limit Query Result Financial transaction limit is preset corresponding to the financial transaction for being not provided with default default limit as default limit accordingly.
- 6. control method according to claim 1, it is characterised in that also include：Receive the limit modification instruction that the user terminal is sent；Wherein, limit modification instruction includes changing specified The financial transaction of limit and the limit value of user's input；When the financial transaction that need to change specified amount belongs to the transaction of the first risk limitation, it is whole to the user to send unexpected message End；When the financial transaction that need to change specified limit belongs to, the second risk limitation is merchandised and the limit value is not more than default risk During threshold value, the current specified limit for the financial transaction that need to change specified limit is revised as the limit value；When the financial transaction that need to change specified limit belongs to the transaction of the 3rd risk limitation, the finance that need to change specified limit is handed over Easy current specified limit is revised as the limit value.
- 7. control method according to claim 1, it is characterised in that also include：Receive default limit modification instruction；Wherein, the default limit modification instruction includes that default default limit need to be changed Financial transaction and the default limit value of user's input；The numerical value of the current default default limit for the financial transaction that default default limit need to be changed is revised as the acquiescence limit Volume value.
- A kind of 8. control device of financial transaction, it is characterised in that applied to server, including：Receiving module, first sent for when user initiates financial transaction on the subscriber terminal, receiving the user terminal Transaction Information；Information analysis module, for obtaining the information of each default dimension according to first Transaction Information, analysis；Searching modul, for searching default financial transaction limit corresponding with the information of all default dimensions and accumulative friendship Easy data；Summation module, for the transaction numerical value of the numerical value in the aggregate transaction data and the financial transaction to be summed, obtain Accumulating sum；Update module, for when the accumulating sum is less than the default financial transaction limit, by the aggregate transaction data In numerical value be updated to the accumulating sum；Message transmission module, for sending transaction successful message to the user terminal.
- 9. control device according to claim 8, it is characterised in that described information analysis module is used for according to described first Transaction Information, when analysis obtains the information of each default dimension, it is specifically used for：The numerical value of predeterminated position in first Transaction Information multiple numerical value corresponding with each default dimension enter Row matching, obtains the numerical value of each default dimension corresponding to the financial transaction；The numerical value of each default dimension according to corresponding to the financial transaction, matching obtain the letter of each default dimension Breath.
- 10. a kind of server, it is characterised in that including processor, sending port and receiving port；The receiving port, for when user initiates financial transaction on the subscriber terminal, receiving the user terminal transmission First Transaction Information；The processor, for obtaining the information of each default dimension according to first Transaction Information, analysis, search and whole Financial transaction limit and aggregate transaction data are preset corresponding to the information of the default dimension, by the aggregate transaction data The transaction numerical value of numerical value and the financial transaction sum, accumulating sum is obtained, when the accumulating sum is less than the default gold When melting trading limit, the numerical value in the aggregate transaction data is updated to the accumulating sum；The sending port, for sending transaction successful message to the user terminal.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711079693.8A CN107833132A (en) | 2017-11-06 | 2017-11-06 | A kind of control method of financial transaction, device and server |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711079693.8A CN107833132A (en) | 2017-11-06 | 2017-11-06 | A kind of control method of financial transaction, device and server |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107833132A true CN107833132A (en) | 2018-03-23 |
Family
ID=61654603
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201711079693.8A Pending CN107833132A (en) | 2017-11-06 | 2017-11-06 | A kind of control method of financial transaction, device and server |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN107833132A (en) |
Cited By (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108960672A (en) * | 2018-07-23 | 2018-12-07 | 广州唯品会信息科技有限公司 | The air control method, apparatus and computer readable storage medium of limit limit time |
| CN109064258A (en) * | 2018-07-09 | 2018-12-21 | 上海瀚银信息技术有限公司 | A kind of limit check system and limit method of calibration |
| CN109409865A (en) * | 2018-09-18 | 2019-03-01 | 平安科技（深圳）有限公司 | Pay limit synchronization adjustment method, device, computer equipment and storage medium |
| CN109615385A (en) * | 2018-11-19 | 2019-04-12 | 中国银行股份有限公司 | Limit control method, device and the storage medium of brush face transaction |
| CN110135984A (en) * | 2019-04-04 | 2019-08-16 | 深圳壹账通智能科技有限公司 | Exchange management method, device, computer equipment and storage medium |
| CN110335033A (en) * | 2019-07-09 | 2019-10-15 | 中国工商银行股份有限公司 | Limit processing method and system |
| CN111192137A (en) * | 2019-12-24 | 2020-05-22 | 天阳宏业科技股份有限公司 | Multi-dimensional balance management method and system based on service scene |
| CN111260367A (en) * | 2019-12-31 | 2020-06-09 | 中国银行股份有限公司 | Transaction limit determining method and device |
| CN112380259A (en) * | 2020-12-29 | 2021-02-19 | 四川新网银行股份有限公司 | Method for improving processing speed of real-time online transaction share of online deposit product |
| CN112418868A (en) * | 2020-11-18 | 2021-02-26 | 中国建设银行股份有限公司 | Quota management method, device, equipment and storage medium |
| CN115511496A (en) * | 2022-04-22 | 2022-12-23 | 绵阳市商业银行股份有限公司 | Multi-state transaction limit control device and method for bank financial transaction system |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20100057616A1 (en) * | 2008-08-26 | 2010-03-04 | Adaptive Payments, Inc. | System and Method of Recurring Payment Transactions |
| CN104156442A (en) * | 2014-08-13 | 2014-11-19 | 中国银行股份有限公司 | Method and system for multi-dimension accumulation on basis of dynamic data and static data and accumulated data application method |
| CN104951977A (en) * | 2015-06-04 | 2015-09-30 | 中国银行股份有限公司 | Cumulative balance based bank card utilization method and cumulative balance based bank card utilization device |
| CN106981024A (en) * | 2016-12-23 | 2017-07-25 | ***股份有限公司 | A kind of trading limit calculates processing system and its processing method |
-
2017
- 2017-11-06 CN CN201711079693.8A patent/CN107833132A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20100057616A1 (en) * | 2008-08-26 | 2010-03-04 | Adaptive Payments, Inc. | System and Method of Recurring Payment Transactions |
| CN104156442A (en) * | 2014-08-13 | 2014-11-19 | 中国银行股份有限公司 | Method and system for multi-dimension accumulation on basis of dynamic data and static data and accumulated data application method |
| CN104951977A (en) * | 2015-06-04 | 2015-09-30 | 中国银行股份有限公司 | Cumulative balance based bank card utilization method and cumulative balance based bank card utilization device |
| CN106981024A (en) * | 2016-12-23 | 2017-07-25 | ***股份有限公司 | A kind of trading limit calculates processing system and its processing method |
Cited By (16)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109064258B (en) * | 2018-07-09 | 2022-12-06 | 上海瀚银信息技术有限公司 | Quota verification system and quota verification method |
| CN109064258A (en) * | 2018-07-09 | 2018-12-21 | 上海瀚银信息技术有限公司 | A kind of limit check system and limit method of calibration |
| CN108960672A (en) * | 2018-07-23 | 2018-12-07 | 广州唯品会信息科技有限公司 | The air control method, apparatus and computer readable storage medium of limit limit time |
| CN108960672B (en) * | 2018-07-23 | 2023-01-03 | 上海品唯信息技术有限公司 | Quota and time-limited wind control method and device and computer readable storage medium |
| CN109409865A (en) * | 2018-09-18 | 2019-03-01 | 平安科技（深圳）有限公司 | Pay limit synchronization adjustment method, device, computer equipment and storage medium |
| CN109409865B (en) * | 2018-09-18 | 2024-05-03 | 平安科技（深圳）有限公司 | Payment quota synchronous adjustment method, device, computer equipment and storage medium |
| CN109615385A (en) * | 2018-11-19 | 2019-04-12 | 中国银行股份有限公司 | Limit control method, device and the storage medium of brush face transaction |
| CN110135984A (en) * | 2019-04-04 | 2019-08-16 | 深圳壹账通智能科技有限公司 | Exchange management method, device, computer equipment and storage medium |
| CN110335033A (en) * | 2019-07-09 | 2019-10-15 | 中国工商银行股份有限公司 | Limit processing method and system |
| CN111192137A (en) * | 2019-12-24 | 2020-05-22 | 天阳宏业科技股份有限公司 | Multi-dimensional balance management method and system based on service scene |
| CN111192137B (en) * | 2019-12-24 | 2023-10-20 | 天阳宏业科技股份有限公司 | Multi-dimensional balance management method and system based on business scene |
| CN111260367A (en) * | 2019-12-31 | 2020-06-09 | 中国银行股份有限公司 | Transaction limit determining method and device |
| CN111260367B (en) * | 2019-12-31 | 2024-04-19 | 中国银行股份有限公司 | Transaction quota determination method and device |
| CN112418868A (en) * | 2020-11-18 | 2021-02-26 | 中国建设银行股份有限公司 | Quota management method, device, equipment and storage medium |
| CN112380259A (en) * | 2020-12-29 | 2021-02-19 | 四川新网银行股份有限公司 | Method for improving processing speed of real-time online transaction share of online deposit product |
| CN115511496A (en) * | 2022-04-22 | 2022-12-23 | 绵阳市商业银行股份有限公司 | Multi-state transaction limit control device and method for bank financial transaction system |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN107833132A (en) | A kind of control method of financial transaction, device and server | |
| US20060184585A1 (en) | Communication point delivery instructions | |
| US20090089194A1 (en) | Method and Apparatus for Performing Financial Transactions | |
| CN101093572A (en) | A preposition system and a centralized data processing system | |
| CN101877099A (en) | Day-end processing module based on bank preposing service platforms and application method thereof | |
| JP2019185540A (en) | Salary advance payment system, salary advance payment apparatus, program, and salary advance payment method | |
| CN110363621A (en) | A kind of order information supplying system based on artificial intelligence technology | |
| CN108921680A (en) | Financial data accreditation method, apparatus, computer equipment and storage medium | |
| CN102194163A (en) | Enterprise resource planning management method, server and system | |
| JP2017182151A (en) | Salary settlement cooperation system and salary settlement cooperation method | |
| US20140114826A1 (en) | Method and system for financial transaction processing | |
| US20120150706A1 (en) | Single window billing system | |
| CN111656310B (en) | Splitting multiple repayment schemes | |
| JP2001243403A (en) | System and method for payment | |
| US11068471B2 (en) | Systems and methods for managing data transfers over a network | |
| US20200057588A1 (en) | Intelligent systematic physical document fulfillment system | |
| KR20120078409A (en) | Apparatus and method for alarming banking transaction list in user's terminal, and computer readable medium thereof | |
| KR102342083B1 (en) | method for mediating payment for freelancer's service pay | |
| JP6682735B2 (en) | Transfer guidance notification server and its program | |
| US20200258062A1 (en) | Method and system for implementing an electronic exchange for bill pay transactions | |
| JP2003044679A (en) | Providing method of financial service, system and financial agency device | |
| US11521186B2 (en) | Recipient management in computer network initiated data transfers | |
| US11379928B2 (en) | System and method for general ledger processing | |
| CN102834824A (en) | Database, ticket data management server and index data management program | |
| KR20200021705A (en) | System and method for funds management service, mobile device for the same and computer program for the same |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20180323 |