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Bank charging parameter abnormity identification method and device

A parameter and exception technology, applied in the field of data processing, can solve the problems of charging errors, high cost, low efficiency, etc., and achieve the effect of improving inspection efficiency

Pending Publication Date: 2020-10-02
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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Problems solved by technology

The bank’s business charging rate is mostly determined by multiple conditions such as product, region, amount, and customer. However, when actually setting the bank’s rate, it mainly relies on manual setting based on experience, and there are errors in charging due to manual setting errors. risk, and manual rechecking of the manually set rates is inefficient and costly

Method used

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  • Bank charging parameter abnormity identification method and device
  • Bank charging parameter abnormity identification method and device
  • Bank charging parameter abnormity identification method and device

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Embodiment Construction

[0023] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention more clear, the embodiments of the present invention will be further described in detail below in conjunction with the accompanying drawings. Here, the exemplary embodiments and descriptions of the present invention are used to explain the present invention, but not to limit the present invention. It should be noted that, in the case of no conflict, the embodiments in the present application and the features in the embodiments can be combined arbitrarily with each other.

[0024] In order to facilitate the understanding of the technical solution provided by the present application, the relevant content of the technical solution of the present application will be described below first. When a customer uses the product or service provided by the bank, the bank charges according to the product or service, and charges according to the charging mode agreed with the cu...

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Abstract

The invention provides a bank charging parameter abnormity identification method and device. The method comprises the steps: obtaining a set value of a to-be-inspected charging parameter and a parameter type corresponding to the to-be-inspected charging parameter; obtaining a calculation value of the to-be-inspected charging parameter according to the set value of the to-be-inspected charging parameter, historical data of the to-be-inspected charging parameter and a charging parameter calculation formula corresponding to the parameter type, wherein a charging parameter calculation formula corresponding to the parameter type is preset; if it is judged that the set value of the to-be-inspected charging parameter is not matched with the calculated value of the to-be-inspected charging parameter, determining that the to-be-inspected charging parameter is abnormal. The device is used for executing the method. According to the bank charging parameter abnormity identification method and device provided by the embodiment of the invention, the inspection efficiency of the to-be-inspected charging parameter is improved.

Description

technical field [0001] The invention relates to the technical field of data processing, in particular to a method and device for identifying abnormality of bank charging parameters. Background technique [0002] At present, the profits of commercial banks mainly come from the difference between deposit and loan interest rates and intermediary business charges, and intermediary business charges are divided into public business charges and personal business charges. Different loans involve different loan interest rates, and different businesses also involve different rates. [0003] In the existing technology, the most commonly used calculation method for banks to charge business is to multiply the transaction amount by the corresponding fee rate to obtain the fee amount. The fee rate refers to the ratio of fees that need to be paid when a certain business occurs. The rate at which fees are paid to the bank. The bank’s business charging rate is mostly determined by multiple ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/02G06Q40/03
Inventor 王玲芳沈建宾郭海球刘悦
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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