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Transaction restriction parameter setting method and device based on smart contract

A technology of limiting parameters and smart contracts, applied in the direction of specific mathematical models, data processing applications, instruments, etc., can solve problems such as poor experience and high customer risk, and achieve the effect of improving customer experience and accurately assessing risks and actual needs

Pending Publication Date: 2021-10-08
BANK OF CHINA
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  • Claims
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Problems solved by technology

[0004] An embodiment of the present invention provides a method for setting transaction limit parameters based on smart contracts, which is used to solve the problem that the parameter setting adopts a fixed value, resulting in high risk or poor experience for customers. The method includes:

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  • Transaction restriction parameter setting method and device based on smart contract
  • Transaction restriction parameter setting method and device based on smart contract
  • Transaction restriction parameter setting method and device based on smart contract

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Embodiment Construction

[0027] 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.

[0028] Explanation of terms:

[0029] Transaction limit parameter: It is the transaction limit parameter set by the bank for the customer when the customer is doing the transaction. The setting of this parameter can control the customer's transaction risk.

[0030] figure 1 Method flow for setting transaction restriction parameters based on smart contracts in the embodiment of the present invention Figure 1 ,Such as figure 1 As shown, the method includes:

[0031] Step 101: Obtain the historical transaction data of the customer in the bank, and obtain multiple at...

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Abstract

The invention discloses a transaction restriction parameter setting method and device based on a smart contract, and relates to the technical field of block chains and artificial intelligence, and the method comprises the steps of obtaining the historical transaction data of a customer in a bank, and obtaining a plurality of attribute values of the customer based on the historical transaction data; determining a risk acceptance value of the customer based on the plurality of attribute values of the customer; according to the smart contract of the block chain, the risk acceptance value of the customer and the number of resources of the customer in the bank, determining a transaction restriction parameter of the customer; and performing corresponding transaction control processing based on the transaction restriction parameter. According to the method, the transaction restriction parameter is set based on the historical transaction data and the smart contract of the block chain, so that the risk and the actual demand can be evaluated more accurately, the customer experience can be improved, and the risk can be effectively prevented.

Description

technical field [0001] The invention relates to the technical fields of block chain and artificial intelligence, in particular to a method and device for setting transaction restriction parameters based on smart contracts. Background technique [0002] This section is intended to provide a background or context to embodiments of the invention that are recited in the claims. The descriptions herein are not admitted to be prior art by inclusion in this section. [0003] At present, banks basically set a fixed value for the transaction parameters of customers. The setting of this value often lacks the support of actual data. If it is set too high, the risk of customers may be high, and if it is set too low, it may lead to poor customer experience. it is good. In actual transactions, different customers have different transaction needs and risk requirements. The current method of setting a fixed value obviously cannot meet the actual needs of bank customers. Contents of the...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40G06N7/00
CPCG06Q20/4016G06Q20/4014G06Q20/405G06N7/01
Inventor 朱江波汤东波戎立冯春阳李涵陆雪胡佳锋戈星晨池振强曾宪奇温晨贾哲
Owner BANK OF CHINA
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