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Trading credit limit processing method and device, server and storage medium

A technology of credit limit and processing method, which is applied in the field of online transactions, can solve problems such as unfavorable long-term stable development of trading companies, losses of trading companies, failure to repay on time, etc., to achieve long-term stability, reduce risks, and enhance user experience. Effect

Inactive Publication Date: 2018-04-27
SHENZHEN LEXIN SOFTWARE TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Specifically, when the official website of the trading software does not confirm the user's credit identity, the user's transaction credit limit is increased, which will cause the user with poor credit to fail to repay the loan on time after the advance payment, causing the trading company to suffer losses, and bear all Risks are not conducive to the long-term stable development of trading companies

Method used

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  • Trading credit limit processing method and device, server and storage medium
  • Trading credit limit processing method and device, server and storage medium
  • Trading credit limit processing method and device, server and storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0028] figure 1 It is a flow chart of the transaction credit line processing method provided by Embodiment 1 of the present invention. The embodiment of the present invention is applicable to the situation of increasing the user's transaction credit line. This method can be executed by a transaction credit line processing device, which can use software / implemented in hardware. The device can be configured in a server that performs transaction processing. Such as figure 1 As shown, the method specifically includes:

[0029] S110, acquiring a request for increasing the user's transaction credit limit.

[0030] Credit limit, also known as "credit limit", refers to the maximum amount that can be used by a bank or financial institution within a specified period according to the credit information provided. The credit limit can be used repeatedly, and the credit limit can be consumed first and repaid later. When the user encounters that the transaction credit limit is not enou...

Embodiment 2

[0047] figure 2 It is a flow chart of the transaction credit line processing method provided in the second embodiment of the present invention. This embodiment is optimized on the basis of the above-mentioned embodiments. The transaction credit line processing method provided in the second embodiment also includes: according to the promotion request, determine The increase amount of the transaction credit line; according to the increase amount, query the third-party credit data to evaluate and generate the payment credit fee, or determine the payment credit fee according to the set ratio of the increase amount, and generate the payment credit fee bill.

[0048] S210, acquiring a request for increasing the user's transaction credit limit.

[0049] S220. Determine an increase amount of the transaction credit limit according to the increase request.

[0050] After obtaining the user's credit limit increase request, the trading platform will provide the user with a transaction c...

Embodiment 3

[0057] image 3 It is a flow chart of the transaction credit line processing method provided by Embodiment 3 of the present invention, Figure 4A It is a signaling diagram of the transaction credit line processing method in the third embodiment of the present invention. This embodiment is optimized on the basis of Embodiment 1. The request to obtain the increase of the user's transaction credit limit provided in Embodiment 3 specifically includes the following operations:

[0058] S310, displaying the quota center page, and invoking the decision engine to request allocation of a node for temporarily increasing the transaction quota.

[0059] In the existing method, when the user needs to increase the credit limit, the official website of the transaction software does not confirm the user's credit identity, so the user's transaction credit limit is increased, and the user with poor credit cannot repay the loan on time after the advance payment. As a result, the trading compan...

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Abstract

The embodiment of the present invention discloses a transaction credit limit processing method, device, server and storage medium, wherein the method includes: acquiring a user's transaction credit limit increase request; determining the transaction credit limit to increase according to the increase request The payment of the credit fee bill; when it is determined that the payment of the credit fee bill is completed, the increase of the transaction credit limit is allocated to the user. The embodiment of the present invention can reduce the risk borne by the trading company by providing a processing method, device, server and storage medium for the transaction credit line.

Description

technical field [0001] The embodiments of the present invention relate to the technical field of network transactions, and in particular to a processing method, device, server and storage medium for transaction credit lines. Background technique [0002] With the development of science and technology, users now tend to advance consumption through the transaction credit line provided in the transaction software, and then meet the current emergency consumption through the repayment mode. This transaction mode provides great convenience for the current life, but It has also been greatly tested. [0003] In the existing transaction methods, when the user's transaction credit limit is not enough to pay the fee in the current transaction, the transaction will be terminated, which brings inconvenience to the user. If the user directly increases the transaction credit limit, there are many problems. Specifically, when the official website of the trading software does not confirm t...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40
CPCG06Q20/403
Inventor 高品黄志武周承强张雅婷黄戊林
Owner SHENZHEN LEXIN SOFTWARE TECH CO LTD
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