CN110533366B - Distribution order mark generation method, system and computer program medium - Google Patents

Distribution order mark generation method, system and computer program medium Download PDF

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CN110533366B
CN110533366B CN201910743224.4A CN201910743224A CN110533366B CN 110533366 B CN110533366 B CN 110533366B CN 201910743224 A CN201910743224 A CN 201910743224A CN 110533366 B CN110533366 B CN 110533366B
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historical
merchant
delivery
key value
delayed
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CN110533366A (en
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李宁
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Beijing Sankuai Online Technology Co Ltd
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Beijing Sankuai Online Technology Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q10/00Administration; Management
    • G06Q10/08Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
    • G06Q10/083Shipping
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/06Buying, selling or leasing transactions
    • G06Q30/0601Electronic shopping [e-shopping]
    • G06Q30/0621Item configuration or customization
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/06Buying, selling or leasing transactions
    • G06Q30/0601Electronic shopping [e-shopping]
    • G06Q30/0639Item locations
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08Insurance
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q50/00Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
    • G06Q50/10Services
    • G06Q50/12Hotels or restaurants

Abstract

A delivery order mark generation method, system and computer program medium are provided, the method comprising: in response to a delivery request from a predetermined merchant to a delivery destination, extracting a first merchant identifier ID of the predetermined merchant, a first geoHash location area code of the delivery destination; generating a first delayed indemnity index of historical delivery orders in a current period and a second delayed indemnity index of historical delivery orders in a historical period, wherein the current period is a preset time period determined based on a delivery request, and the historical delivery orders refer to historical delivery orders of which corresponding merchant identifiers ID and geoHash position area codes are respectively matched with the first merchant identifier ID and the first geoHash position area code extracted from the delivery orders; and comparing the first delay insurance claim index with the second delay insurance claim index, and generating a mark according to the comparison result, wherein the mark is used for indicating that the distribution efficiency is reduced or increased.

Description

Distribution order mark generation method, system and computer program medium
Technical Field
The present disclosure relates to the field of data processing, and more particularly to a method, system, and computer program medium for generating a delivery order marker.
Background
The rapid development of the internet and the continuous innovation of insurance products provide good opportunities for the combination of various industries and insurance industries, such as the combination of the air transportation industry and the insurance industry, the combination of the medical industry and the insurance industry and the like. In recent years, the takeout mode has become the normal consumption state of modern office workers, the takeout distribution demand is continuously expanded, and the takeout market is exploded day by day, but a lot of takeout delay problems occur due to the factors of distribution order surge, limited service capacity of merchants, insufficient number of distribution persons, traffic jam, bad weather and the like.
Disclosure of Invention
The method for estimating the takeout delivery efficiency in real time is simple, easy to implement and high in estimation accuracy.
In a first aspect, the present disclosure provides a delivery order mark generation method, including: in response to a delivery request from a predetermined merchant to a delivery destination, extracting a first merchant identifier ID of the predetermined merchant, a first geoHash location area code of the delivery destination; generating a first delayed indemnity index of historical delivery orders in a current period and a second delayed indemnity index of historical delivery orders in a historical period, wherein the current period is a preset time period determined based on a delivery request, and the historical delivery orders refer to historical delivery orders of which corresponding merchant identifiers ID and geoHash position area codes are respectively matched with the first merchant identifier ID and the first geoHash position area code extracted from the delivery orders; and comparing the first delay insurance claim index with the second delay insurance claim index, and generating a mark according to the comparison result, wherein the mark is used for indicating that the distribution efficiency is reduced or increased.
In a second aspect, the present disclosure provides a delivery order mark generation system, including: an extracting means configured to extract a first merchant identifier ID of a predetermined merchant, a first geoHash location area code of a delivery destination, in response to a delivery request from the predetermined merchant to the delivery destination; the generating device is configured to generate a first delayed risk claim index of the historical delivery orders in a current period and a second delayed risk claim index of the historical delivery orders in a historical synchronization period, wherein the current period is a preset time period determined based on the delivery request, and the historical delivery orders refer to the historical delivery orders of which the corresponding merchant identifier IDs and the geoHash position area codes are respectively matched with the first merchant identifier IDs and the first geoHash position area codes extracted from the delivery orders; and the comparison device is configured to compare the first delay claim index and the second delay claim index and generate a mark according to the comparison result, wherein the mark is used for indicating that the distribution efficiency is reduced or increased.
In a third aspect, the present disclosure provides a computer program medium storing one or more computer readable instructions which, when executed by one or more processors, perform a delivery order mark generation method.
Drawings
Fig. 1 is a diagram showing a configuration of a takeout system according to an embodiment of the present disclosure;
FIG. 2 is a block diagram illustrating the delivery order mark generation system of FIG. 1;
FIG. 3 is a timing diagram illustrating the operation of various modules/systems in a take-away system according to an embodiment of the present disclosure;
FIG. 4 is a timing diagram illustrating the operation of various modules/systems in a take-away system according to another embodiment of the present disclosure;
FIG. 5 is a flow chart illustrating a delivery order marker generation method according to an embodiment of the present disclosure;
FIG. 6 is a block diagram illustrating a computer implementation of a delivery order marker generation system according to an embodiment of the present disclosure.
Detailed Description
Reference will now be made in detail to the present embodiments of the invention, examples of which are illustrated in the accompanying drawings. While the invention will be described in conjunction with the specific embodiments, it will be understood that they are not intended to limit the invention to the described embodiments. On the contrary, it is intended to cover alternatives, modifications, and equivalents as may be included within the spirit and scope of the invention as defined by the appended claims. It should be noted that the method steps described herein may be implemented by any functional block or functional arrangement, and that any functional block or functional arrangement may be implemented as a physical entity or a logical entity, or a combination of both.
In order that those skilled in the art will better understand the present invention, the following detailed description of the invention is provided in conjunction with the accompanying drawings and the detailed description of the invention.
Note that the example to be described next is only a specific example, and is not intended as a limitation on the embodiments of the present invention, and specific shapes, hardware, connections, steps, numerical values, conditions, data, orders, and the like, are necessarily shown and described. Those skilled in the art can, upon reading this specification, utilize the concepts of the present invention to construct more embodiments than those specifically described herein.
Under the condition that the take-out delay problem has serious influence on user experience, as one of combined products of the take-out industry and the insurance industry, the appearance of the take-out delay risk takes the actual pain point of the user into consideration, and the user experience under the take-out scene can be improved.
The take-out delay insurance is an insurance product provided by an insurance company, aiming at take-out delivery delay, and a user can obtain delay compensation with a certain amount of insurance while receiving take-out. Such insurance products can effectively play a role of attracting attention of users, supervising distributors and enhancing the sense of participation of users and the stickiness of users. And the user only needs one-key check to purchase the takeout delay risk to finish, and after the delivery delay reaches the claim payment standard, the system automatically pays, so that a large amount of time and energy are saved, and the user can obtain extreme claim payment experience in the process of using the takeout.
Generally, a user can purchase a takeaway delay when placing a takeaway order, and if the takeaway delivery is delayed, the user receives the takeaway and obtains a certain amount of the insurance company to pay (i.e., the premium). Take-away delivery delays account for reduced delivery efficiency, so that increases and decreases in take-away order delivery efficiency may be a contributing factor to delay pricing.
The delivery efficiency refers to the speed from the time when the user places an order to buy takeout, then the merchant takes an order to produce food, and the deliverer takes an order to deliver the food until the food reaches the user.
The technical solutions provided by the embodiments of the present description are described in detail below with reference to the accompanying drawings.
Fig. 1 is a diagram showing a configuration of a takeout system according to an embodiment of the present disclosure.
Referring to fig. 1, a takeaway system according to the present disclosure includes a delivery system 101, a delivery order marking generation system 102, a storage module 103, and a policy and claims system 104.
As shown in FIG. 1, distribution system 101 is configured to report distribution delivery information from a plurality of merchants to a corresponding plurality of destinations. The policy and claims system 104 is configured to obtain delayed insurance policy order information from the distribution system and generate delayed insurance policy and claims information. The delivery order mark generation system 102 is configured to obtain regional delay information and merchant delay information from the delivery arrival information, the delay insurance policy and the claim settlement information, wherein the regional delay information includes delivery arrival time of the delivery arrival, geographical regional information, the number of times of insurance and the number of times of claim settlement of the user, the number of delays and the delay duration; the merchant delay information comprises delivery time of delivery, merchant information, insurance number and claim settlement number of the merchant, delay number and delay duration. The storage module 103 is configured to store various information such as region delay information and merchant delay information. In addition, delivery order indicia generation system 102 is further configured to generate a delivery order indicia in response to a delivery request sent from the delivery system from the predetermined merchant to the delivery destination.
FIG. 2 is a block diagram illustrating the delivery order mark generation system of FIG. 1.
Referring to fig. 2, the delivery order mark generation system 102 according to the embodiment of the present disclosure may include an extraction device 1021, a generation device 1022, and a comparison device 1023.
The extraction device 1021 is configured to: in response to a delivery request from a predetermined merchant to a delivery destination, a first merchant identifier ID of the predetermined merchant, a first geoHash location area code of the delivery destination is extracted. The generating means 1022 is configured to: and generating a first delayed indemnity index of the historical delivery orders in the current period and a second delayed indemnity index of the historical delivery orders in the historical period, wherein the current period is a preset time period determined based on the delivery request, and the historical delivery orders refer to the historical delivery orders of which the corresponding merchant identifiers ID and the corresponding geoHash position area codes are respectively matched with the first merchant identifier ID and the first geoHash position area code extracted from the delivery orders. The comparing means 1023 is configured to: and comparing the first delay insurance claim index with the second delay insurance claim index, and generating a mark according to the comparison result, wherein the mark is used for indicating that the distribution efficiency is reduced or increased.
Of course, the methods/operation steps discussed below may be executed by the extracting device 1021, the generating device 1022, and the comparing device 1023, respectively, or may be executed by other devices, and the execution subject of the methods/operation steps will not be mentioned when they are discussed.
FIG. 3 is a timing diagram illustrating the operation of various modules/systems in a delivery order mark generation system according to an embodiment of the present disclosure.
Specifically, referring to fig. 3, when a user places an order on or off the order page of a take-away website or take-away APP to order take-away, a delivery order mark generation system 10 according to the present disclosure will estimate delivery efficiency of this order in real time and generate a mark indicating that delivery efficiency is reduced or increased. In particular, in response to a user placing an order, the delivery system 101 may gather delivery information, delayed insurance policy order information, and the like for any take-away order, i.e., from multiple merchants to corresponding multiple destinations.
And the delivery system 101 can report the collected delivery information from the plurality of merchants to the corresponding plurality of destinations to the delivery order tagging generation system 102 and can also report the collected delayed insurance policy order information associated with the delivery order to the policy and settlement system 104.
After the policy and claim system 104 obtains the delayed insurance policy order information from the distribution system, delayed insurance policy and claim information corresponding to the delayed insurance policy order information may be generated through the steps of query, search, and the like in the system, which may include whether to apply insurance policy, policy number, whether to claim, premium, and the like.
And, the insurance policy and claims system 104 sends the generated deferred insurance policy and claims information to the delivery order mark generation system 102.
Delivery order marking generation system 102 generates regional delay information, and merchant delay information based on delivery information obtained from delivery system 101 and/or delay insurance policy and claim information obtained from policy and claim system 104.
Delivery order marking generation system 102 may store the generated regional delay information, and merchant delay information in storage module 103 for later use.
Delivery order mark generation system 102 may also estimate delivery efficiency of the take orders based on the area delay information stored in storage module 103 and the merchant delay information in response to a delivery request from a predetermined merchant to a delivery destination sent from delivery system 101, thereby generating a mark indicating that delivery efficiency is decreased or increased.
The take out order process performed by the take out system 10 according to the present disclosure is described below in conjunction with fig. 3. Fig. 3 is a timing diagram illustrating the operation of various modules/systems in the takeaway system 10 according to an embodiment of the present disclosure.
For example, when a take order from a customer to a destination is delivered to the destination, the delivery system 101 may collect delivery information and delay insurance policy order information for the take order, and may send the delivery information and delay insurance policy order information for the take order to the delivery order mark generation system 102 and the policy and claim settlement system 104, respectively. The insurance policy and claims system 104 can generate deferred insurance policy and claims information for the takeaway order from the user's deferred insurance policy order information obtained from the delivery system 101 and return it to the delivery order indicia generation system 102. The delivery order mark generation system 102 may generate regional delay information and merchant delay information from the delivery arrival information and the delay insurance policy and the claim settlement information, and store the regional delay information and the merchant delay information in the storage module 103.
After continuously collecting the delivery information and the delay insurance policy order information of various take-out orders, the delivery system 101 may continuously accumulate and store the regional delay information and the merchant delay information of various take-out orders in the storage module 103.
Once the user places a new take order (which has not yet been delivered or delivered), delivery system 101 may send a delivery request for the new take order to delivery order marker generation system 102. The delivery order mark generation system 102 may obtain historical regional delay information and merchant delay information that have been stored from the storage module 103 to estimate the delivery efficiency of the new take order, thereby generating a mark indicating that the delivery efficiency is reduced or increased compared to the historical order. As such, further operations may also be performed based on the indicia of decreased or increased delivery efficiency, such as adjusting various factors in the current delivery process relative to factors in the historical order (e.g., adjusting the delivery rider's vehicle, route, etc. accordingly as compared to the delivery rider's vehicle, route, etc. of the historical order, changing the route, etc.) in an attempt to change delivery efficiency, or providing the user with delay insurance products that are more reasonably priced than the delay insurance products historically provided so that the user experiences better delay insurance products, and so forth.
The flow steps of the delivery order marker generation method performed by delivery order marker generation system 102 are described below in conjunction with FIG. 5. FIG. 5 illustrates a flow chart of a delivery order marker generation method according to an embodiment of the present disclosure.
In step S501, in response to a delivery request from a predetermined merchant to a delivery destination, a first merchant identifier ID of the predetermined merchant, a first geoHash location area code of the delivery destination is extracted. Here, the location of the user who issues the delivery request may not be the same as the location of the delivery destination, and in order to accurately address the start point and the end point of the takeaway delivery, only the ID of the merchant who issues the takeaway and the location of the delivery destination to which the takeaway should be delivered are considered herein.
The delivery request may be sent from the delivery system 101 as before.
In one embodiment, step S501 may include: generating a geoHash position character string based on longitude and latitude position information of a distribution destination; the prefix portion in the geoHash location string is extracted to obtain a first geoHash location area code of the delivery destination.
For example, the location latitude 39.928167 and the longitude 116.389550 of the delivery destination are converted into a geohash location string wx4g5ec19 by the geohash algorithm based on the latitude and longitude location information. The geoHash represents two coordinates of longitude and latitude by one character string. The prefix portion wx4g5 (for example, the computer code is implemented as SELECT FROM place WHERE geoHash LIKE' wx4g 5%) in the geoHash location string wx4g5ec19 is extracted to obtain the first geoHash location area code wx4g5 of the delivery destination, so that all locations in an area near the longitude and latitude location can be queried. The geoHash location area code wx4g5 represents not a point but a rectangular area. This area code represents 400 square kilometers of area near the delivery destination. The location area code can indicate that the user is located near a certain geographic location point, and the accurate coordinates of the user are not exposed, so that privacy protection is facilitated. The prefix wx4g5 of the geohash location string wx4g5ec19 may represent a larger area containing wx4g5ec 19. Of course, wx4g5 is not the only prefix, and wx4g5ec1, wx4g5ec, etc. may be used. The prefix wx4g of the code wx4g5 may in turn represent a larger area containing the code wx4g 5. Therefore, the prefixes of the geoHash with different degrees can obtain areas with different sizes, and the method is much more efficient than directly using longitude and latitude. Of course, some ways of obtaining a geographic region not exemplified in the present disclosure are possible without departing from the spirit scope of the present disclosure.
In step S502, a first delayed risk claim index of the historical delivery orders in the current period and a second delayed risk claim index of the historical delivery orders in the historical period are generated, wherein the current period is a preset time period determined based on the delivery request, and the historical delivery orders refer to the historical delivery orders whose corresponding merchant identifier ID and geoHash location area code respectively match the first merchant identifier ID and the first geoHash location area code extracted from the delivery orders.
Assuming that the current time is 13:00 on 6/10/2019, the current cycle is a preset time period determined based on the delivery request, for example, one hour before 13:00 on 6/10/2019 (i.e., the predetermined time period is 1 hour), i.e., 12:00 to 13:00 on 6/10/2019. The first merchant identifier ID extracted from the delivery order is 1203303. As above, the first geoHash location area code of the delivery destination extracted from the delivery order is wx4g 5.
In one embodiment, step S502 may include: the historical order database is accessed and a first delayed indemnity index of historical delivery orders in the current period and a second delayed indemnity index of historical delivery orders in the historical period are generated.
The historical order database may be stored in the storage module 103 as previously described.
The historical order database may have stored therein area key-value pairs and merchant key-value pairs.
The region key-value pair and the merchant key-value pair may be obtained by:
in response to completion of the plurality of historical delivery orders, extracting values of a geoHash location area code, a merchant identifier ID, a delivery arrival time, and a delinquent tag attribute of delivery destinations of the plurality of historical delivery orders.
For example, in response to some historical delivery order completion, the delivery destination's geoHash location area code wx4g5, actual delivery time 2019, 6 months, 10 days, 12:11, merchant ID 1203303 are extracted.
In one embodiment, the delay risk tag attribute may include at least one of a delay duration tag attribute, a delay times tag attribute, an insured times tag attribute, and a claims times tag attribute. Of course, the delay insurance label attributes are not limited to those exemplified, and in fact, other label attributes related to the delivery efficiency of the delivery order are also possible, such as delay time length average and odds ratio, etc., which will be exemplified later.
For example, if the delivery arrival time of each of the plurality of historical delivery orders is subtracted from the corresponding expected delivery time to obtain a time difference, the value of the delay time label attribute is the time difference. For example, the expected delivery time is 12:05 in 6/10/2019, and the actual delivery time is 12:11 in 6/10/2019, the corresponding expected delivery time is subtracted from the delivery time to obtain a time difference of 6 minutes, which indicates a delay of 6 minutes. Of course, the time difference may be negative, i.e., the delivery time is before the expected delivery time, indicating no delay. In addition, the unit of the time difference may be seconds or the like other than minutes.
That is, if the time difference is positive, the value of the delay count tag attribute is 1, indicating that a delay has occurred. If the time difference is negative, the value of the delay times tag attribute is 0, indicating no delay.
The value of the number of insurances label attribute is 1 if the insurance and claims information for each of the plurality of historical delivery orders indicates that the delay risk is insured. If the application and claim information indicates that no delay risk is applied, the value of the number of applications label attribute is 0.
The value of the claim number label attribute is 1 if the application and claim information indicates that the claim was delayed. The value of the claims times label attribute is 0 if the application and claims information indicates that the delay insurance has no claims settled.
The application and claim information can be obtained from the policy and claim system 104.
Next, the area key-value pair and the merchant key-value pair may be obtained from the values of the geoHash location area code, the merchant identifier ID, the delivery arrival time, and the delay tag attribute of the delivery destination.
The format of the area key value pair may be "area index key (i.e., area code _ tag _ time of delivery) + area key value". The format of the merchant key value pair may be "merchant index key (i.e., merchant ID tag time to delivery) + merchant key value".
In this example, the regional and merchant key-value pairs for the take order are, for example:
zone index key (i.e., zone code _ tag _ time of arrival) + zone Key value
(the delay risk label attribute is the number of claims claimcount) wx4g5_ claimcount _2019, 6, 10, 12: 11. the value of the delay risk label attribute is recorded as 1
(delay risk label attribute is number of insuring sendcount) wx4g5_ sendcount _2019, 6, 10, 12: 11. the value of the delay risk label attribute is marked as 1
(delay time delaytime for the attributes of the tags) wx4g5_ delaytime _2019, 6, 10, 12: 11. the value of the attribute of the tag is recorded as (actual delivery time-estimated delivery time) 6
(delay tag attribute is delay times delaycount) wx4g5 delaycount 2019, 6, 10, 12: 11. the value of the delay tag attribute is marked as 1
Merchant index key (i.e., Merchant ID tag time to delivery) + Merchant Key value
(delay risk label attribute is claims number claimcount)1203303_ claimcount _2019, 6, 10, 12: 11. the value of the delay risk label attribute is 1
(the delay risk label attribute is number of insuring sendcount)1203303_ sendcount _2019, 6, 10, 12: 11. the value of the delay risk label attribute is marked as 1
(delay Risk tag attribute is delay time delay) 1203303_ delay _2019, 6, 10, 12: 11. the value of the delay tag attribute is marked as (actual delivery time-estimated delivery time) 6
(delay Risk tag attribute is delay times delaycount)1203303_ delaycount _2019, 6, 10, 12: 11. the value of the delay risk tag attribute is marked as 1
If some of the historical delivery orders have the same delivery time, and the same geoHash location area code or the same merchant ID, that is, have the same area index key or the same merchant index key, the area key value pairs or the merchant key value pairs of the historical delivery orders may be accumulated as the final area key value pair or the merchant key value pair for the same delivery time.
Specifically, for the delinquent tag attribute, the values of the corresponding delinquent tag attributes of the same region index key may be accumulated as the region key values of the region key value pairs for the delinquent tag attribute, and the region key value pairs including the region index key and the region key values may be generated. The area index key includes the delivery destination's geoHash location area code, the delinquent tag attribute, and the delivery arrival time.
And accumulating the corresponding values of the delayed danger label attributes of the same merchant index key as the merchant key values of the merchant key value pairs of the delayed danger label attributes to generate the merchant key value pairs comprising the merchant index key and the merchant key values. The merchant index key includes a merchant ID, a delay tag attribute, and a delivery arrival time.
In this way, the final regional key value and the merchant key value are obtained to generate the final regional key value pair and the merchant key value pair, for example, as shown in table 1 and table 2.
Figure BDA0002164694130000111
TABLE 1 regional Key value pairs
Figure BDA0002164694130000112
TABLE 2 Merchant Key value pairs
Note that the annotations in the above tables do not belong to the content of the regional key-value pairs or the merchant key-value pairs, and may not be stored in the historical order database. In addition, although the area key-value pairs or merchant key-value pairs are listed in tabular form for clarity of illustration, forms other than tables may be employed to represent and store the area key-value pairs or merchant key-value pairs.
Thus, as delivery orders are continuously completed, a large number of regional and merchant key-value pairs stored in the historical order database, different merchant IDs other than 1203303, different delivery destination geohash location address codes other than wx4g5, different arrival times other than 2019, 6/month, 10/day, 12:11, etc., may be obtained and stored in the storage module 103.
Here, storing the associated plurality of historical delivery orders for which the regional and merchant key-value pairs are associated may be limited to a particular time period, such as a plurality of historical delivery orders within a week of the present day, thereby reducing the resource and time costs associated with storing and retrieving regional and merchant key-value pairs for a large number of historical delivery orders over a long duration of time.
As described previously, in step S501, a new delivery request from a predetermined merchant to a delivery destination is received.
At this point, the possible delivery efficiency of the new delivery order is estimated and a delivery order marker is generated.
Then, in step S502, a first delayed indemnity index of the historical delivery orders in the current cycle and a second delayed indemnity index of the historical delivery orders in the historical contemporaneous period are generated.
The current cycle is a preset time period determined based on the delivery request. For example, assuming that the current time of the delivery request is 13:00 on 6/10/2019 and the predetermined period is 1 hour, the current cycle is a preset period determined based on the delivery request, for example, one hour before 13:00 on 6/10/2019, i.e., 12:00 to 13:00 on 6/10/2019. Here, the predetermined period of time is merely an example, and other periods of time, such as 5 minutes, 3 hours, and the like, are also possible.
As described above, the first merchant identifier ID extracted from the new delivery order is 1203303. The first geoHash location area code of the delivery destination extracted from the new delivery order is wx4g 5.
Reference herein to historical delivery orders during the current cycle and historical delivery orders during the historical contemporaneous period is to be taken to mean historical delivery orders whose corresponding merchant identifier ID and geoHash location area code match the first merchant identifier ID 1203303 and the first geoHash location area code wx4g5, respectively, extracted from the delivery orders.
Step S502 includes: and polling regional key value pairs of the historical delivery orders, which have the same regional prefix, of the historical delivery orders with the delivery arrival time in the current period in the historical order database aiming at one or more delayed danger label attributes, and accumulating the regional key values of the regional key value pairs as the regional key values of the current time of the historical delivery orders in the current period. Where the same region prefix includes the first geoHash location region code wx4g5 and a delinquent tag attribute (e.g., claimcount or sendcount or delaytime or delaycount). That is, the same region prefix for the claim count label attribute claimcount, for example, is wx4g5_ claimcount.
For example, for the current cycle, 12:00 to 13:00 on 6/10/2019, polling the plurality of regional key-value pairs stored in the storage module 103 for the claim number tag attribute claimcount, finding the regional key-value of the regional key-value pair having the same regional prefix (i.e., wx4g5_ claimcount) whose delivery arrival time falls within 12:00 to 13:00 on 6/10/2019. For example, the polling results in the zone key value of wx4g5_ claimcount _2019, 6/month, 10/day, 12:00 being 4 (times), the zone key value of wx4g5_ claimcount _2019, 6/month, 10/day, 12:11 being 2 (times) (as described earlier), the zone key value of wx4g5_ claimcount _2019, 6/month, 10/day, 12:30 being 8 (times), and the zone key value of wx4g5_ claimcount _2019, 6/month, 10/day, 12:59 being 6 (times). Then, all the polled regional key values are accumulated to obtain wx4g5_ claimcount 20 (times) as the regional key value of the current time of the historical delivery order in the current period for the claim number label attribute claimcount.
Similarly, for example, for the current cycle, 12:00 to 13:00 on 10.6.2019, and for the number of insurances label attribute sendcount, the regional key-values of the regional key-value pairs with the same regional prefix (i.e., wx4g5_ sendcount) whose delivery times fall within 12:00 to 13:00 on 10.6.2019 are polled and accumulated. The accumulation yields wx4g5_ sendcount 1500 (times) as the regional key for the current time of the historical delivery order within the current period for the number of insurances label attribute sendcount.
Similarly, for example, for the current cycle, 12:00 to 13:00 on 10.6.2019, and for the deliytime attribute delaytime, the zone key-values of the zone key-value pairs with the same zone prefix (i.e., wx4g5_ delaytime) whose delivery times fall within 12:00 to 13:00 on 10.6.2019 are polled and accumulated. The accumulation yields wx4g5_ delaytime 2000 (minutes) as the regional key for the current time of the historical delivery order within the current period for the delinquent time-stamp attribute delaytime.
Similarly, for example, for the current cycle, 12:00 to 13:00 on 10.6.2019, delaycount, the regional key values of the regional key value pairs with the same regional prefix (i.e., 1203303_ delaycount) whose delivery times fall within 12:00 to 13:00 on 10.10.2019, are polled and accumulated. The summation yields wx4g5_ delaycount 30 (time) as the area key value for the current time of the historical delivery order within the current cycle for the delay time tag attribute delaycount.
Thus, the result of obtaining the area key values of the current time of the historical delivery orders in the current period is shown in table 3.
Figure BDA0002164694130000141
TABLE 3 accumulated regional key values for current time
Note that the region key values for the current time for all of the delinquent risk tag attributes (e.g., claimcount, sendcount, delaytime, delaycount) are accumulated here, but the present disclosure may also accumulate only one or more delinquent risk tag attributes that need to be used, such as delaytime alone, or claimcount and sendcount, etc.
Step S502 further includes: for one or more delayed danger label attributes, polling regional key value pairs of historical delivery orders in the historical order database, of which delivery arrival times of the multiple historical delivery orders are within a historical synchronization period, and accumulating the regional key values thereof as the regional key values of the historical synchronization periods of the historical delivery orders within the historical synchronization period.
Assume that the historical contemporaneous period may be 12:00 to 13:00 on 9 th 6 th 2019, i.e., the same time period of the previous day of the day as the current period.
Here, the historical contemporaneous period may be determined by delivery efficiency affecting factors including preset intervals, environmental conditions, and the like. The historical contemporaneous period may be determined by a preset interval, such as one or more days, or a week, hour, etc. For example, the preset interval between the current period and the historical contemporaneous period may be one day. Here, since similar distribution efficiency influencing factors of the historical synchronization may have been considered in the historical synchronization, such as the noon peak hour, the weekday, or the weekend, the traffic condition is not good at this time, and the like, the comparison of the distribution efficiency under the similar factors can be more accurately reflected. The historical contemporaneous period having the same environmental condition may also be determined by the environmental condition of the current cycle, which may include weather conditions or traffic conditions, for example, the same rainy time period may be taken as the historical contemporaneous period, or a certain time period of the same traffic congestion condition may be taken as the historical contemporaneous period. The present disclosure is not so limited. Some ways of determining the predetermined period of time of historical synchronization not exemplified in the present disclosure are also possible without departing from the spirit scope of the present disclosure.
Likewise, for each delinquent tag attribute, the regional key values of those historical delivery orders with delivery arrival times of 12:00 to 13:00 on 9 th 6 th 2019 with the same regional prefix, e.g., the regional key value pair of wx4g5_ claimcount, wx4g5_ sendcount, wx4g5_ delaytime, wx4g5_ delaycount, respectively, may be polled and accumulated.
Thus, for example, the accumulated results of the historical contemporaneous regional key values for historical delivery orders over the historical contemporaneous period are shown in table 4.
Figure BDA0002164694130000151
Figure BDA0002164694130000161
TABLE 4 accumulated historical contemporaneous regional key assignments
After various regional delay information of the current and historical related to the region is obtained through accumulation, various merchant delay information of the current and historical related to the merchant can be obtained through accumulation. Of course, the order of accumulation need not be in the order disclosed herein, and indeed the steps of obtaining area delay information and merchant delay information may be performed in a varied order or in parallel, etc., and the disclosure is not limited thereto.
Step S502 further includes: for one or more delinquent tag attributes, polling merchant key-value pairs of historical delivery orders in the historical order database for those historical delivery orders whose delivery arrival times are within the current cycle (i.e., 12:00 to 13:00 on 6/10/2019) that have the same merchant prefix that includes the first merchant ID 1203303, the delinquent tag attribute (e.g., claimcount or sendcount or delaytime or delaycount), and accumulating their merchant key-value pairs as the merchant key-value pairs for the current time of the historical delivery orders within the current cycle.
The result of obtaining the key value of the merchant at the current time of the historical delivery orders in the current period is shown in table 5.
Figure BDA0002164694130000162
Figure BDA0002164694130000171
Table 5 accumulated current period merchant key values
Step S502 further includes: for one or more delayed danger label attributes, polling merchant key-value pairs of historical delivery orders in the historical order database for those historical delivery orders whose delivery arrival times are within the historical synchronization period, having the same merchant prefix, and accumulating their merchant key-values as the historically contemporaneous merchant key-values of the historical delivery orders within the historical synchronization period.
The historical contemporaneous period may also be 12:00 to 13:00 on 6/9/2019, i.e., the same time period of the previous day that differs from the current period by one full day.
Likewise, for each delinquent insurance tag attribute, those historical delivery orders with delivery arrival times at 12:00 to 13:00, 6/9/2019, having the same regional prefix, e.g., the regional key values of the regional key-value pairs 1203303_ clicmcount, 1203303_ sendcount, 1203303_ delaytime, 1203303_ delaycount, respectively, may be polled and accumulated.
The results of deriving the historical contemporaneous merchant key values for the historical delivery orders over the historical contemporaneous period accumulated are then shown, for example, in table 6.
Figure BDA0002164694130000172
Table 6 accumulated historical contemporaneous merchant key values
Step S502 further includes: and generating a first delayed insurance claim payment index according to the region key value of the current time and the merchant key value of the current time of the one or more delayed insurance label attributes.
Here, there are many ways to generate the first delayed risk pay index by using the regional key value at the current time and the merchant key value at the current time, for example, the respective influences of the region and the merchant on the first delayed risk pay index are coordinated by adjusting the respective weights by using the regional key value at the current time and the weighted value of the merchant key value at the current time. In addition, a weight may also be added to the one or more delinquent tag attributes to reflect respective effects of the one or more delinquent tag attributes on the first delinquent claim metrics. The weights may also take a value of 0, i.e., without regard to a factor, and are not limited herein.
Step S502 further includes: and generating a second delayed insurance claim payment index according to the historical synchronous regional key values and the historical synchronous merchant key values of one or more delayed insurance label attributes.
Similarly, there are many ways to generate the second delayed risk claim payment index by using the historical contemporaneous regional key value and the historical contemporaneous merchant key value, for example, by using the historical contemporaneous regional key value and the historical contemporaneous merchant key value, the respective influence of the region and the merchant on the first delayed risk claim payment index is coordinated by adjusting the respective weights. In addition, a weight may also be added to the one or more delinquent tag attributes to reflect respective effects of the one or more delinquent tag attributes on the first delinquent claim metrics. The weights may also take a value of 0, i.e., without regard to a factor, and are not limited herein.
Of course, some calculation may be performed on the current or historical regional delay information or merchant delay information of one or more delay risk label attributes to obtain each delay risk claim indicator.
For example, for the first delayed reimbursement indicator, the following calculation may be taken:
and dividing the regional key value of the current time aiming at the tag attribute of the number of claims by the regional key value of the current time aiming at the tag attribute of the number of insurances to obtain a current regional claim rate key value.
And dividing the merchant key value of the current time aiming at the claim number label attribute by the merchant key value of the current time aiming at the insurable number label attribute to obtain the current merchant claim rate key value.
And dividing the region key value of the current time aiming at the delayed time label attribute by the region key value of the current time aiming at the delayed times label attribute to obtain the current region delayed average time key value.
And dividing the merchant key value of the current time aiming at the delayed time label attribute by the merchant key value of the current time aiming at the delayed times label attribute to obtain the current merchant delayed average time key value.
And generating a first delayed insurance claim payment index according to at least one of the current region claim settlement key value, the current merchant claim settlement key value, the current region delayed average time key value and the current merchant delayed average time key value.
Here, there are many ways to generate the first delayed risk claim payment index by using at least one of the current regional claim rate key value, the current merchant claim rate key value, the current regional delayed average time key value, and the current merchant delayed average time key value, for example, by using the historical contemporaneous regional key value and the historical contemporaneous merchant key value, and adjusting respective weights to coordinate respective influences of the region and the merchant on the first delayed risk claim payment index. In addition, a weight can be added to the at least one delay risk label attribute to reflect the respective influence of the at least one delay risk label attribute on the first delay risk claim payment index. The weights may also take a value of 0, i.e., without regard to a factor, and are not limited herein.
For example, for the second reimbursement delay measure, the following calculation may be taken:
and dividing the historical contemporaneous regional key value aiming at the claim number label attribute by the historical contemporaneous regional key value aiming at the insurance number label attribute to obtain a historical regional claim rate key value.
And dividing the historical contemporaneous merchant key value aiming at the claim number label attribute by the historical contemporaneous merchant key value aiming at the insurable number label attribute to obtain a historical merchant claim rate key value.
And dividing the historical contemporaneous region key value aiming at the delayed time label attribute by the historical contemporaneous region key value aiming at the delayed times label attribute to obtain a historical region delayed average time key value.
And dividing the historical contemporaneous merchant key value aiming at the delayed time label attribute by the historical contemporaneous merchant key value aiming at the delayed times label attribute to obtain a historical merchant delayed average time key value.
For example, the number of current regional insurance applications can be directly determined to be 1500 from the accumulated current regional key values, the average value of the delay time of the current region can be determined to be 66.7 minutes at 2000 minutes/30, and the current regional odds rate can be determined to be 20/1500 ≈ 1.4%.
For example, the current merchant's number of invocations may be determined directly from the accumulated current merchant key value pair shown in table 4 as 200, the average delay time of the current merchant may be determined as 200/15-13.3 minutes, and the current merchant's odds rate may be determined as 20/200-10%.
For example, the accumulated key values of the history areas shown in table 5 may directly determine that the number of times of the history area insurance applications is 1000, the average value of the time length of the delay risk of the history areas is 1000 minutes/20-50 minutes, and the odds of the history areas is 10/1000-1%.
For example, the accumulated key values of the historical merchants shown in table 6 may directly determine that the number of the historical merchants insurances is 100, the average value of the time length of delayed risk of the historical merchants is 100/10-10 minutes, and the odds rate of the historical merchants is 8/100-8%.
Next, the comparing means 1023 may compare the current accumulation result with the history accumulation result. For example, comparing the current region delay duration average to the historical region delay duration average will find that the current region delay duration average is 66.7 minutes > the historical region delay duration average is 50 minutes.
In one embodiment, the second delayed insurance claim payment index is generated according to at least one of a historical region claim settlement rate key value, a historical merchant claim settlement rate key value, a historical region delayed average time key value and a historical merchant delayed average time key value.
Here, there are many ways to generate the second delayed indemnity index by using at least one of the historical regional indemnity key value, the historical merchant indemnity key value, the historical regional delayed average time key value, and the historical merchant delayed average time key value, for example, by using the historical contemporaneous regional key value and the historical contemporaneous merchant key value, the respective influence of the region and the merchant on the second delayed indemnity index is coordinated by adjusting the respective weights. In addition, a weight can be added to the at least one delay risk label attribute to reflect the respective influence of the at least one delay risk label attribute on the second delay risk claim payment index. The weights may also take a value of 0, i.e., without regard to a factor, and are not limited herein.
Note that in an outsourcing scenario, the regional delay information and the merchant delay information may sometimes be derived from a delay of the same delivery order, for example, from a delay of the same outsourcing delivery order from a certain merchant to a certain destination, and therefore, there may be an association relationship between the regional delay information and the merchant delay information in the outsourcing scenario, and therefore, considering both the regional delay information and the merchant delay information may improve the accuracy of the estimated delivery efficiency.
In step S503, the first delay claim index and the second delay claim index are compared, and a flag indicating that the distribution efficiency is decreased or increased is generated according to the comparison result.
In one embodiment, a flag may be generated that indicates that delivery efficiency is decreasing if the first delayed claim metric is greater than the second delayed claim metric, and conversely, a flag may be generated that indicates that delivery efficiency is increasing.
The above conditions are mainly based on the following considerations: for example, but not by way of limitation, if the current area application number is greater than the historical area application number, the delivery efficiency is reduced, and if the current area application number is less than the historical area application number, the delivery efficiency is increased. If the number of times of insurance application of the current merchant is larger than that of the historical merchants, the distribution efficiency is reduced, and if the number of times of insurance application of the current merchant is smaller than that of the historical merchants, the distribution efficiency is improved. If the average value of the delay time lengths of the current area is larger than the average value of the delay time lengths of the historical area, the distribution efficiency is reduced, and if the average value of the delay time lengths of the current area is smaller than the average value of the delay time lengths of the historical area, the distribution efficiency is increased. If the mean delay time of the current merchant is larger than the mean delay time of the historical merchant, the distribution efficiency is reduced, and if the mean delay time of the current merchant is smaller than the mean delay time of the historical merchant, the distribution efficiency is increased. If the current area odds are greater than the historical area odds, the distribution efficiency is decreased, and if the current area odds are less than the historical area odds, the distribution efficiency is increased. If the current merchant odds are larger than the historical merchant odds, the distribution efficiency is reduced, and if the current merchant odds are smaller than the historical merchant odds, the distribution efficiency is increased.
Specifically, the current area application times of 1500 > the historical area application times of 1000 indicate that the delivery efficiency from the merchant 1203303 to the destination area wx4g5 will be reduced. Comparing the current number of merchant underwriting 200> historical number of merchant underwriting 100, a decrease in delivery efficiency from merchant 1203303 to destination area wx4g5 is determined. Comparing the current area delay time average of 66.7 minutes > the historical area delay time average of 50 minutes, it is judged that the distribution efficiency from the merchant 1203303 to the destination area wx4g5 is reduced. Comparing the current average of the merchant delay time length 13.3 minutes > the historical average of the merchant delay time length 10 minutes, and judging that the distribution efficiency from the merchant 1203303 to the destination area wx4g5 is reduced. Comparing the current area odds 1.4% > historical area odds 1%, a decrease in the efficiency of the distribution from the merchant 1203303 to the destination area wx4g5 is judged. If the current merchant odds 10% > historical merchant odds 8%, a decrease in the efficiency of the distribution from the merchant 1203303 to the destination area wx4g5 is determined.
Although the above comparison is only a general principle of comparing a current influencing factor with a historical influencing factor, this is not the only principle, and comparing a single influencing factor alone may also result in conflicting conclusions with other influencing factors, in various embodiments, the first delay claim criterion may be generated by comprehensively considering a plurality of current influencing factors, and the second delay claim criterion may be generated by comprehensively considering a plurality of historical influencing factors, for example, weighting each influencing factor to obtain a comprehensive conclusion. Therefore, if the synthetically considered first delayed risk claim index is larger than the second delayed risk claim index, a flag indicating that the distribution efficiency is decreased may be generated, whereas a flag indicating that the distribution efficiency is increased may be generated. Of course, if the two delay claims are equal, a mark of even distribution efficiency may be generated, which is not limited herein.
Of course, the above-mentioned comparison for generating the delivery order mark is merely an example, and actually, various calculations may be performed using the above-mentioned information to generate a mark of reduced delivery efficiency or a mark of increased delivery efficiency, for example, the average value of the delay time length may be divided by the number of times of insuring, if the ratio is increased, that is, the number of times of insuring is doubled, and the average value of the delay time length is more than doubled, the delivery efficiency from the merchant 1203303 to the destination wx4g5 is determined to be reduced, and so on. Some ways not exemplified in the present disclosure are also possible without departing from the spirit scope of the present disclosure.
In this way, the delivery order mark generation system/method according to the embodiment of the disclosure makes it possible to simply and quickly predict whether the delivery efficiency will be increased or decreased compared with the history, and the reliability of the prediction result is higher, by comparing the delay information related to the area and the merchant based on the current and the history, and also to provide reasonably priced delay insurance products for the user based on the change of the delivery efficiency.
Fig. 4 is a timing diagram illustrating the operation of various modules/systems in the takeaway system 10 according to another embodiment of the present disclosure.
Referring to fig. 4, the delivery system 101, the delivery order marking generation system 102, the storage module 103, and the policy and claim settlement system 104 in fig. 4 are the same as the delivery system, the delivery order marking generation system, the storage module, and the policy and claim settlement system described with reference to fig. 1. Unlike fig. 1, the takeaway system 10 according to another embodiment of the present disclosure may further include a recommendation system 105 for recommending a delay insurance package to the customer.
Specifically, as shown in fig. 4, in a case where delivery order mark generation system 102 generates a mark indicating an increase or decrease in delivery efficiency, recommendation system 105 may acquire a delay risk package candidate from delivery system 101 and provide a mark for recommending an appropriate delay risk package to a predetermined user to delivery system 101 according to the increase or decrease in delivery efficiency.
In this embodiment, recommendation system 105 can recommend an appropriate delay offer by setting at least one of a premium of the delay offer, and an odds rate of the delay offer.
For example, in a case where the delivery order mark generation system 102 has generated a mark that the delivery efficiency is decreasing with respect to the historical synchronization (i.e., the delay likelihood/probability is increasing), the recommendation system 105 may set that the premium of the delay insurance package should be increased from the historical premium, or the premium of the delay insurance package is decreased from the historical premium, or the odds of the delay insurance package is decreased from the historical odds, to recommend such a delay insurance package; in the case where the delivery order mark generation system 102 has generated a mark that the delivery efficiency is increased with respect to the historical synchronization (i.e., the delay likelihood/probability is decreased), the recommendation system 105 may set the premium of the delay package to be decreased from the historical premium, or the premium of the delay package to be increased from the historical premium, or the odds of the delay package to be increased from the historical odds, to recommend the delay package.
Of course, if the user is promoted to purchase rather than considering economic benefits, in any case, the premium of the delayed insurance package may be set to be lower than the above-identified premium, or the premium may be higher than the above-identified reference premium, or the payout rate may be higher than the above-identified reference payout rate. Of course, the manner in which delay kits are recommended to users based on estimated delivery efficiency is not limited to those exemplified above, and some ways not exemplified in the present disclosure are also possible without departing from the spirit scope of the present disclosure.
In this way, the takeout system according to another embodiment of the present disclosure may select an appropriate package from a plurality of candidate delay risk packages to recommend to the user based on the delivery efficiency. And the estimation of the distribution efficiency and the recommendation of the delay insurance package can be real-time, so that the user can enjoy real-time and quick delay insurance purchase experience and later compensation experience when buying take-out.
FIG. 6 is a block diagram illustrating a computer implementation of a delivery order marker generation system according to an embodiment of the present disclosure.
Referring to FIG. 6, a computer implementation of a delivery order marking generation system 60 according to an embodiment of the present disclosure may include a processor 601 and a memory 602. The memory 602 may be a computer program medium storing computer-executable instructions that, when executed by a processor, perform a delivery order mark generation method according to the present disclosure.
The delivery order mark generation method may include: in response to a delivery request from a predetermined merchant to a delivery destination, extracting a first merchant identifier ID of the predetermined merchant, a first geoHash location area code of the delivery destination; generating a first delayed indemnity index of historical delivery orders in a current period and a second delayed indemnity index of historical delivery orders in a historical period, wherein the current period is a preset time period determined based on a delivery request, and the historical delivery orders refer to historical delivery orders of which corresponding merchant identifiers ID and geoHash position area codes are respectively matched with the first merchant identifier ID and the first geoHash position area code extracted from the delivery orders; and comparing the first delay insurance claim index with the second delay insurance claim index, and generating a mark according to the comparison result, wherein the mark is used for indicating that the distribution efficiency is reduced or increased.
In one embodiment, extracting, in response to a delivery request from a predetermined merchant to a delivery destination, a first merchant identifier ID of the predetermined merchant, a first geoHash location area code of the delivery destination comprises: generating a geoHash position character string based on longitude and latitude position information of a distribution destination; the prefix portion in the geoHash location string is extracted to obtain a first geoHash location area code of the delivery destination.
In one embodiment, generating a first delayed indemnity index for historical delivery orders over a current period and a second delayed indemnity index for historical delivery orders over a historical contemporaneous period comprises: accessing a historical order database and generating a first delayed indemnity index of historical delivery orders in a current period and a second delayed indemnity index of historical delivery orders in a historical period, wherein a regional key-value pair and a merchant key-value pair are stored in the historical order database, and the regional key-value pair and the merchant key-value pair are obtained by the following steps: in response to the completion of the plurality of historical delivery orders, extracting values of the geoHash location area codes, the merchant identifiers ID, the delivery arrival time and the delay risk label attributes of delivery destinations of the plurality of historical delivery orders; accumulating corresponding values of the delayed danger label attributes of the same regional index key as regional key values of the regional key value pairs of the delayed danger label attributes, and generating a regional key value pair comprising the regional index key and the regional key values, wherein the regional index key comprises a geoHash position region code of a delivery destination, the delayed danger label attributes and delivery arrival time; and accumulating the corresponding value of the delay risk label attribute of the same merchant index key as the merchant key value of the merchant key value pair aiming at the delay risk label attribute to generate a merchant key value pair comprising the merchant index key and the merchant key value, wherein the merchant index key comprises a merchant ID, the delay risk label attribute and distribution arrival time.
In one embodiment, the delay risk label attribute at least comprises one of a delay time label attribute, a delay times label attribute, an insurance number label attribute and an claim number label attribute, wherein the delivery time of each historical delivery order in the plurality of historical delivery orders is subtracted by the corresponding predicted delivery time to obtain a time difference, and the value of the delay time label attribute is the time difference; if the time difference is positive, the value of the delay times label attribute is 1, and if the time difference is negative, the value of the delay times label attribute is 0; if the insurance and claim settlement information of each historical delivery order in the plurality of historical delivery orders indicates that the delay risk is guaranteed, the value of the insurance times label attribute is 1, and if the insurance and claim settlement information indicates that the delay risk is not guaranteed, the value of the insurance times label attribute is 0; the value of the claim number label attribute is 1 if the application and claim information indicates that the delay insurance claim was filed, and 0 if the application and claim information indicates that the delay insurance has no claim.
In one embodiment, generating a first delayed indemnity index for historical delivery orders over a current period and a second delayed indemnity index for historical delivery orders over a historical contemporaneous period comprises: polling regional key value pairs of a plurality of historical delivery orders in a historical order database, which have the same regional prefix and delivery arrival time in the current period, of the historical delivery orders in the current period aiming at one or more delayed danger label attributes, and accumulating the regional key value pairs as the regional key value pairs of the historical delivery orders in the current period, wherein the same regional prefix comprises a first geoHash position region code and the delayed danger label attributes; polling regional key value pairs with the same regional prefix of a plurality of historical delivery orders in the historical order database aiming at one or more delayed danger label attributes, wherein the delivery arrival time of the historical delivery orders is within a historical synchronization period, and accumulating the regional key value pairs as the regional key value pairs of the historical synchronization period of the historical delivery orders within the historical synchronization period; polling merchant key value pairs of historical delivery orders, with the same merchant prefix, of the historical delivery orders in the historical order database, wherein the delivery arrival time of the historical delivery orders is within the current period, and accumulating the merchant key value pairs as merchant key value pairs of the historical delivery orders within the current period, wherein the same merchant prefix comprises a first merchant ID and a delay danger label attribute; polling merchant key value pairs of historical delivery orders with the same merchant prefix of the historical delivery orders with delivery arrival times of the historical delivery orders in the historical order database aiming at one or more delayed danger label attributes, and accumulating the merchant key value pairs as the merchant key value pairs of the historical delivery orders in the historical synchronization period; generating a first delayed insurance claim payment index according to the regional key value of the current time and the merchant key value of the current time of one or more delayed insurance label attributes; and generating a second delayed insurance claim payment index according to the historical synchronous regional key values and the historical synchronous merchant key values of one or more delayed insurance label attributes.
In one embodiment, generating a first delayed indemnity index for historical delivery orders over a current period and a second delayed indemnity index for historical delivery orders over a historical contemporaneous period comprises: dividing the regional key value of the current time aiming at the claim number label attribute by the regional key value of the current time aiming at the insurable number label attribute to obtain a current regional claim rate key value; dividing the merchant key value of the current time aiming at the claim number label attribute by the merchant key value of the current time aiming at the insurable number label attribute to obtain the current merchant claim number key value; dividing the regional key value of the current time aiming at the delayed time label attribute by the regional key value of the current time aiming at the delayed times label attribute to obtain a current regional delayed average time key value; dividing the merchant key value of the current time aiming at the delayed time label attribute by the merchant key value of the current time aiming at the delayed times label attribute to obtain the current merchant delayed average time key value; and generating a first delayed insurance claim payment index according to at least one of the current region claim settlement key value, the current merchant claim settlement key value, the current region delayed average time key value and the current merchant delayed average time key value.
In one embodiment, generating a first delayed indemnity index for historical delivery orders over a current period and a second delayed indemnity index for historical delivery orders over a historical contemporaneous period comprises: dividing the historical contemporaneous regional key value aiming at the claim number label attribute by the historical contemporaneous regional key value aiming at the insurable number label attribute to obtain a historical regional claim rate key value; dividing the historical contemporaneous merchant key value aiming at the claim number label attribute by the historical contemporaneous merchant key value aiming at the insurable number label attribute to obtain a historical merchant claim rate key value; dividing the historical contemporaneous regional key value aiming at the delayed time label attribute by the historical contemporaneous regional key value aiming at the delayed times label attribute to obtain a historical regional delayed average time key value; dividing the historical contemporaneous merchant key value aiming at the delayed time label attribute by the historical contemporaneous merchant key value aiming at the delayed times label attribute to obtain a historical merchant delayed average time key value; and generating a second delayed insurance claim payment index according to at least one of the historical region claim settlement rate key value, the historical merchant claim settlement rate key value, the historical region delayed average time key value and the historical merchant delayed average time key value.
In one embodiment, comparing the first delay claim metrics and the second delay claim metrics, and generating indicia based on the comparison, the indicia indicating a decrease or increase in the distribution efficiency comprising: if the first delayed insurance claim index is greater than the second delayed insurance claim index, a flag indicating that the distribution efficiency is decreased is generated, and otherwise, a flag indicating that the distribution efficiency is increased is generated.
In one embodiment, the delivery order mark generation method may further include: delay risk package candidates are obtained, and delay risk packages for recommendation to a predetermined user are provided according to the obtained markers indicating an increase in delivery efficiency.
In one embodiment, the recommending step in the delivery order mark generating method may include recommending the delay set by setting at least one of a premium of the delay set, and an odds rate of the delay set.
In one embodiment, obtaining delay risk package candidates, providing delay risk packages for recommendation to a predetermined user according to the obtained delivery efficiency comprises: when the flag indicating that the delivery order is low is obtained, the delay set is recommended by setting the premium of the delay set to be higher than the historical premium, the premium of the delay set to be lower than the historical premium, or the odds rate of the delay set to be lower than the historical odds rate.
In this way, the delivery order mark generation system according to the embodiment of the present disclosure may simply and quickly predict whether the delivery efficiency will be increased or decreased compared with the history, and the reliability of the prediction result is higher, by comparing the current and history with the delay information related to the merchant, or select a suitable package from a plurality of candidate delay risk packages to recommend to the user based on the delivery efficiency. And the estimation of the distribution efficiency and the recommendation of the delay insurance package can be real-time, so that the user can enjoy real-time and quick delay insurance purchase experience and later compensation experience when buying take-out.
Of course, the above-mentioned embodiments are merely examples and not limitations, and those skilled in the art can combine and combine some steps and apparatuses from the above-mentioned separately described embodiments to achieve the effects of the present invention according to the concepts of the present invention, and such combined and combined embodiments are also included in the present invention, and such combined and combined embodiments are not necessarily described herein.
It is noted that advantages, effects, and the like, mentioned in the present disclosure are only examples and not limitations, and they are not to be considered essential to multiple embodiments of the present invention. Furthermore, the foregoing disclosure of specific details is for the purpose of illustration and description and is not intended to be limiting, since the invention is not limited to the specific details described above.
The block diagrams of devices, apparatuses, systems referred to in this disclosure are only given as illustrative examples and are not intended to require or imply that the connections, arrangements, configurations, etc. must be made in the manner shown in the block diagrams. These devices, apparatuses, devices, systems may be connected, arranged, configured in any manner, as will be appreciated by those skilled in the art. Words such as "including," "comprising," "having," and the like are open-ended words that mean "including, but not limited to," and are used interchangeably therewith. The words "or" and "as used herein mean, and are used interchangeably with, the word" and/or, "unless the context clearly dictates otherwise. The word "such as" is used herein to mean, and is used interchangeably with, the phrase "such as but not limited to".
The flowchart of steps in the present disclosure and the above description of methods are merely illustrative examples and are not intended to require or imply that the steps of the various embodiments must be performed in the order presented. As will be appreciated by those skilled in the art, the order of the steps in the above embodiments may be performed in any order. Words such as "thereafter," "then," "next," etc. are not intended to limit the order of the steps; these words are only used to guide the reader through the description of these methods. Furthermore, any reference to an element in the singular, for example, using the articles "a," "an," or "the" is not to be construed as limiting the element to the singular.
In addition, the steps and devices in the embodiments are not limited to be implemented in a certain embodiment, and in fact, some steps and devices in the embodiments can be combined according to the concept of the present invention to conceive new embodiments, and these new embodiments are also included in the scope of the present invention.
Various operations of the methods described above may be performed by any suitable means capable of performing the corresponding functions. The means may include various hardware and/or software components and/or modules including, but not limited to, a hardware circuit, an Application Specific Integrated Circuit (ASIC), or a processor.
The various illustrative logical blocks, modules, and circuits described may be implemented or described with a general purpose processor, a Digital Signal Processor (DSP), an ASIC, a field programmable gate array signal (FPGA) or other Programmable Logic Device (PLD), discrete gate or transistor logic, discrete hardware components, or any combination thereof designed to perform the functions described herein. A general purpose processor may be a microprocessor, but in the alternative, the processor may be any commercially available processor, controller, microcontroller or state machine. A processor may also be implemented as a combination of computing devices, e.g., a combination of a DSP and a microprocessor, a plurality of microprocessors, one or more microprocessors in conjunction with a DSP core, or any other such configuration.
The steps of a method or algorithm described in connection with the disclosure herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. The software modules may reside in any form of tangible storage medium. Some examples of storage media that may be used include Random Access Memory (RAM), Read Only Memory (ROM), flash memory, EPROM memory, EEPROM memory, registers, hard disk, removable disk, CD-ROM, and the like. A storage medium may be coupled to the processor such that the processor can read information from, and write information to, the storage medium. In the alternative, the storage medium may be integral to the processor. A software module may be a single instruction, or many instructions, and may be distributed over several different code segments, among different programs, and across multiple storage media.
The methods disclosed herein comprise one or more acts for implementing the described methods. The methods and/or acts may be interchanged with one another without departing from the scope of the claims. In other words, unless a specific order of actions is specified, the order and/or use of specific actions may be modified without departing from the scope of the claims.
The above-described functions may be implemented in hardware, software, firmware, or any combination thereof. If implemented in software, the functions may be stored as one or more instructions on a tangible computer-readable medium. A storage media may be any available tangible media that can be accessed by a computer. By way of example, and not limitation, such computer-readable media can comprise RAM, ROM, EEPROM, CD-ROM or other optical disk storage, magnetic disk storage or other magnetic storage devices, or any other tangible medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer. As used herein, disk (disk) and disc (disc) includes Compact Disc (CD), laser disc, optical disc, Digital Versatile Disc (DVD), floppy disk and blu-ray disc where disks usually reproduce data magnetically, while discs reproduce data optically with lasers.
Accordingly, a computer program product may perform the operations presented herein. For example, such a computer program product may be a computer-readable tangible medium having instructions stored (and/or encoded) thereon that are executable by one or more processors to perform the operations described herein. The computer program product may include packaged material.
Software or instructions may also be transmitted over a transmission medium. For example, the software may be transmitted from a website, server, or other remote source using a transmission medium such as coaxial cable, fiber optic cable, twisted pair, Digital Subscriber Line (DSL), or wireless technologies such as infrared, radio, or microwave.
Further, modules and/or other suitable means for carrying out the methods and techniques described herein may be downloaded and/or otherwise obtained by a user terminal and/or base station as appropriate. For example, such a device may be coupled to a server to facilitate the transfer of means for performing the methods described herein. Alternatively, the various methods described herein can be provided via storage means (e.g., RAM, ROM, a physical storage medium such as a CD or floppy disk) so that the user terminal and/or base station can obtain the various methods when coupled to or providing storage means to the device. Moreover, any other suitable technique for providing the methods and techniques described herein to a device may be utilized.
Other examples and implementations are within the scope and spirit of the disclosure and the following claims. For example, due to the nature of software, the functions described above may be implemented using software executed by a processor, hardware, firmware, hard-wired, or any combination of these. Features implementing functions may also be physically located in multiple locations, including being distributed such that portions of functions are implemented at different physical locations. Also, as used herein, including in the claims, "or" as used in a list of items beginning with "at least one" indicates a separate list, such that a list of "A, B or at least one of C" means a or B or C, or AB or AC or BC, or ABC (i.e., a and B and C). Furthermore, the word "exemplary" does not mean that the described example is preferred or better than other examples.
Various changes, substitutions and alterations to the techniques described herein may be made without departing from the techniques of the teachings as defined by the appended claims. Moreover, the scope of the claims of the present disclosure is not limited to the particular aspects of the process, machine, manufacture, composition of matter, means, methods and acts described above. Processes, machines, manufacture, compositions of matter, means, methods, or acts, presently existing or later to be developed that perform substantially the same function or achieve substantially the same result as the corresponding aspects described herein may be utilized. Accordingly, the appended claims are intended to include within their scope such processes, machines, manufacture, compositions of matter, means, methods, or acts.
The previous description of the disclosed aspects is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these aspects will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other aspects without departing from the scope of the invention. Thus, the present invention is not intended to be limited to the aspects shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
The foregoing description has been presented for purposes of illustration and description. Furthermore, the description is not intended to limit embodiments of the invention to the form disclosed herein. While a number of example aspects and embodiments have been discussed above, those of skill in the art will recognize certain variations, modifications, alterations, additions and sub-combinations thereof.

Claims (10)

1. A delivery order mark generation method, comprising:
in response to a delivery request from a predetermined merchant to a delivery destination, extracting a first merchant Identifier (ID) of the predetermined merchant, a first geoHash location area code of the delivery destination;
accessing a historical order database and generating a first delayed risk claim index of a historical delivery order in a current period and a second delayed risk claim index of the historical delivery order in a historical period, wherein the current period is a preset time period determined based on the delivery request, the time for receiving the delivery request is the current time, the current period is the current time plus a period of time, and the historical delivery order refers to the historical delivery order of which the corresponding merchant identifier ID and the corresponding geoHash location area code are respectively matched with the first merchant identifier ID and the first geoHash location area code extracted from the delivery order; the historical order database stores the regional key value pairs and the merchant key value pairs; wherein the region key-value pair and the merchant key-value pair are obtained by: in response to completion of a plurality of historical delivery orders, extracting values of a geoHash location area code, a merchant identifier ID, a delivery arrival time, and a delay risk label attribute of delivery destinations of the plurality of historical delivery orders; the delay risk label attribute at least comprises one of a delay time label attribute, a delay times label attribute, an insurance number label attribute and a claim settlement number label attribute; generating the first delayed insurance claim payment index according to the regional key value of the current time and the merchant key value of the current time of the one or more delayed insurance label attributes; generating a second delayed insurance claim payment index according to the historical contemporaneous regional key values and the historical contemporaneous merchant key values of the one or more delayed insurance label attributes; generating the first delayed risk claim payment index according to at least one of a current region claim settlement rate key value, a current merchant claim settlement rate key value, a current region delayed average time key value and a current merchant delayed average time key value; generating a second delayed risk claim payment index according to at least one of a historical region claim settlement rate key value, a historical merchant claim settlement rate key value, the historical region delayed average time key value and the historical merchant delayed average time key value;
and comparing the first delay insurance claim index with the second delay insurance claim index, and generating a mark according to the comparison result, wherein the mark is used for indicating that the distribution efficiency is reduced or increased.
2. The method of claim 1, wherein said extracting, in response to a delivery request from a predetermined merchant to a delivery destination, a first merchant identifier ID of the predetermined merchant, a first geoHash location area code of the delivery destination comprises:
generating a geoHash position character string based on the longitude and latitude position information of the distribution destination;
extracting a prefix portion in the geoHash location string to obtain a first geoHash location area code of the delivery destination.
3. The method of claim 1, wherein generating a first indemnity index for historical delivery orders over a current period and a second indemnity index for historical delivery orders over a historical contemporaneous period comprises:
accessing a historical order database and generating a first delayed indemnity index for the historical delivery orders over the current period and a second delayed indemnity index for the historical delivery orders over the historical period, wherein the historical order database stores regional key-value pairs and merchant key-value pairs,
wherein the region key-value pair and the merchant key-value pair are obtained by: in response to completion of a plurality of historical delivery orders, extracting values of a geoHash location area code, a merchant identifier ID, a delivery arrival time, and a delay risk label attribute of delivery destinations of the plurality of historical delivery orders;
for the delayed danger label attribute, accumulating the corresponding delayed danger label attribute value of the same area index key as the area key value pair of the area key value pair for the delayed danger label attribute, and generating an area key value pair comprising the area index key and the area key value pair, wherein the area index key comprises the geoHash position area code of the delivery destination, the delayed danger label attribute and the delivery time;
and for the delayed danger label attribute, accumulating the corresponding delayed danger label attribute value of the same merchant index key as the merchant key value of the merchant key value pair for the delayed danger label attribute, and generating the merchant key value pair comprising the merchant index key and the merchant key value pair, wherein the merchant index key comprises the merchant identifier ID, the delayed danger label attribute and the delivery arrival time.
4. The method of claim 3, wherein the delay risk label attribute comprises at least one of a delay duration label attribute, a delay times label attribute, an insured times label attribute, and a claims times label attribute,
subtracting the corresponding predicted delivery time from the delivery time of each historical delivery order in the plurality of historical delivery orders to obtain a time difference, wherein the value of the delay time label attribute is the time difference;
if the time difference is positive, the value of the delay times label attribute is 1, and if the time difference is negative, the value of the delay times label attribute is 0;
if the insurance and claim settlement information of each historical delivery order in the plurality of historical delivery orders indicates that delay insurance is guaranteed, the value of the insurance times label attribute is 1, and if the insurance and claim settlement information indicates that no delay insurance is guaranteed, the value of the insurance times label attribute is 0;
if the insurance and claim information indicates that a delay insurance claim is settled, the value of the claim number label attribute is 1, and if the insurance and claim information indicates that no delay insurance claim is settled, the value of the claim number label attribute is 0.
5. The method of claim 4, wherein generating a first indemnity index for historical delivery orders over a current period and a second indemnity index for historical delivery orders over a historical contemporaneous period comprises:
polling, for one or more delinquent tag attributes, regional key value pairs of historical delivery orders of the plurality of historical delivery orders in the historical order database having the delivery arrival time within the current period and having the same regional prefix, and accumulating the regional key values thereof as the regional key value pairs of the current time of the historical delivery orders within the current period, wherein the same regional prefix comprises the first geoHash location region code and the delinquent tag attributes;
polling, for one or more delinquent tag attributes, regional key value pairs of those historical delivery orders in the historical order database having the same regional prefix at the delivery arrival times of the plurality of historical delivery orders within the historical synchronization period, and accumulating the regional key values thereof as the regional key values of the historical synchronization periods of the historical delivery orders within the historical synchronization period;
polling, for one or more delinquent tag attributes, merchant key value pairs of historical delivery orders of the plurality of historical delivery orders in the historical order database, the historical delivery arrival times of which are within a current period, having a same merchant prefix, and accumulating the merchant key values thereof as merchant key values of the historical delivery orders within the current period, wherein the same merchant prefix comprises the first merchant Identifier (ID) and the delinquent tag attributes;
polling, for one or more delinquent tag attributes, merchant key-value pairs of those historical delivery orders in the historical order database for which the delivery arrival times of the multiple historical delivery orders are within a historical contemporaneous period, having the same merchant prefix, and accumulating merchant key values thereof as merchant key values of the historical contemporaneous period of the historical delivery orders within the historical contemporaneous period;
generating the first delayed insurance claim payment index according to the regional key value of the current time and the merchant key value of the current time of the one or more delayed insurance label attributes;
and generating the second delayed insurance claim payment index according to the historical contemporaneous regional key value and the historical contemporaneous merchant key value of the one or more delayed insurance label attributes.
6. The method of claim 4, wherein generating a first indemnity index for historical delivery orders over a current period and a second indemnity index for historical delivery orders over a historical contemporaneous period comprises:
dividing the regional key value of the current time aiming at the claim number label attribute by the regional key value of the current time aiming at the insurable number label attribute to obtain a current regional claim rate key value;
dividing the merchant key value of the current time aiming at the claim number label attribute by the merchant key value of the current time aiming at the insurable number label attribute to obtain the current merchant claim rate key value;
dividing the region key value of the current time aiming at the delay time label attribute by the region key value of the current time aiming at the delay times label attribute to obtain a current region delay average time key value;
dividing the merchant key value of the current time aiming at the delay time label attribute by the merchant key value of the current time aiming at the delay times label attribute to obtain the average delay time key value of the current merchant;
and generating the first delayed insurance claim payment index according to at least one of the current region claim settlement rate key value, the current merchant claim settlement rate key value, the current region delayed average time key value and the current merchant delayed average time key value.
7. The method of claim 6, wherein generating a first indemnity of historical delivery orders over a current period and a second indemnity of historical delivery orders over a historical contemporaneous period comprises:
dividing the historical contemporaneous regional key value aiming at the claim number label attribute by the historical contemporaneous regional key value aiming at the insurable number label attribute to obtain a historical regional claim rate key value;
dividing the historical contemporaneous merchant key value aiming at the claim number label attribute by the historical contemporaneous merchant key value aiming at the insurable number label attribute to obtain a historical merchant claim rate key value;
dividing the historical contemporaneous regional key value aiming at the delayed time label attribute by the historical contemporaneous regional key value aiming at the delayed times label attribute to obtain a historical regional delayed average time key value;
dividing the historical contemporaneous merchant key assignment aiming at the delayed time label attribute by the historical contemporaneous merchant key assignment aiming at the delayed times label attribute to obtain a historical merchant delayed average time key assignment;
and generating the second delayed insurance claim payment index according to at least one of the historical region claim settlement rate key value, the historical merchant claim settlement rate key value, the historical region delayed average time key value and the historical merchant delayed average time key value.
8. The method of claim 5 or 7, wherein comparing the first deferred claim metrics and the second deferred claim metrics, and generating a flag indicating a decrease or increase in delivery efficiency based on the comparison comprises:
if the first delayed insurance claim index is greater than the second delayed insurance claim index, a flag indicating that distribution efficiency is decreased is generated, and otherwise, a flag indicating that distribution efficiency is increased is generated.
9. A delivery order mark generation system comprising:
an extracting means configured to extract, in response to a delivery request from a predetermined merchant to a delivery destination, a first merchant identifier ID of the predetermined merchant, a first geoHash location area code of the delivery destination;
the generating device is configured to access a historical order database and generate a first delayed risk claim index of a historical delivery order in a current period and a second delayed risk claim index of the historical delivery order in a historical synchronization period, wherein the current period is a preset time period determined based on the delivery request, the time for receiving the delivery request is the current time, the current period is the current time plus a period of time, and the historical delivery order refers to the historical delivery order of which the corresponding merchant identifier ID and the corresponding geoHash area code are respectively matched with the first merchant identifier ID and the first geoHash area code extracted from the delivery order; the historical order database stores the regional key value pairs and the merchant key value pairs; wherein the region key-value pair and the merchant key-value pair are obtained by: in response to completion of a plurality of historical delivery orders, extracting values of a geoHash location area code, a merchant identifier ID, a delivery arrival time, and a delay risk label attribute of delivery destinations of the plurality of historical delivery orders; the delay risk label attribute at least comprises one of a delay time label attribute, a delay times label attribute, an insurance number label attribute and a claim settlement number label attribute; generating the first delayed insurance claim payment index according to the regional key value of the current time and the merchant key value of the current time of the one or more delayed insurance label attributes; generating a second delayed insurance claim payment index according to the historical contemporaneous regional key values and the historical contemporaneous merchant key values of the one or more delayed insurance label attributes; generating the first delayed risk claim payment index according to at least one of a current region claim settlement rate key value, a current merchant claim settlement rate key value, a current region delayed average time key value and a current merchant delayed average time key value; generating a second delayed risk claim payment index according to at least one of a historical region claim settlement rate key value, a historical merchant claim settlement rate key value, the historical region delayed average time key value and the historical merchant delayed average time key value;
and the comparison device is configured to compare the first delay claim index and the second delay claim index and generate a mark according to the comparison result, wherein the mark is used for indicating that the distribution efficiency is reduced or increased.
10. A computer program medium storing one or more computer-readable instructions which, when executed by one or more processors, perform the method of any one of claims 1-8.
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