CN112419049A - Quota determining method and device - Google Patents
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Abstract
The invention discloses a method and a device for determining a quota, and relates to the technical field of computers. One embodiment of the method comprises: acquiring ETC passing data of an electronic toll collection system of a target user; determining the operation cost of the target user according to the ETC passage data, wherein the operation cost is used for representing turnover funds required by the target user in the vehicle operation process; and determining the credit line of the target user according to the operation cost. According to the embodiment, the operation cost of the target user can be accurately determined according to the ETC passing data of the target user, and the credit line of the target user is reasonably determined.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a method and a device for determining a quota.
Background
The ETC (Electronic Toll Collection) performs special short-range communication between a vehicle-mounted Electronic tag installed on a vehicle windshield and a microwave antenna on an ETC lane of a Toll station and performs background settlement processing with a bank by using a computer networking technology, so that the purpose that the vehicle can pay the highway or bridge expenses through the highway or bridge Toll station without parking is achieved. With the popularization of ETC products, traffic data of vehicles can be acquired more easily. However, there is no method for determining the vehicle operation cost according to the ETC communication data and further determining the corresponding quota of the user.
Disclosure of Invention
In view of this, embodiments of the present invention provide an amount determining method and apparatus, which can determine vehicle operating expenses more accurately according to ETC communication data, and further provide a corresponding amount for a user.
In a first aspect, an embodiment of the present invention provides a method for determining an amount, including:
acquiring ETC passing data of an electronic toll collection system of a target user;
determining the operation cost of the target user according to the ETC passage data, wherein the operation cost is used for representing turnover funds required by the target user in the vehicle operation process;
and determining the credit line of the target user according to the operation cost.
Optionally, the determining the credit line of the target user according to the operation cost includes:
obtaining vehicle operation data of the target user, wherein the vehicle operation data comprises at least one of the following: vehicle basic condition data, vehicle operation level data and vehicle operation risk data;
determining a wind control coefficient of the target user according to the vehicle operation data;
and determining the credit line of the target user according to the operation cost and the wind control coefficient.
Optionally, the determining the credit line of the target user according to the operation cost includes:
acquiring vehicle basic condition data of the target user;
according to the determined vehicle basic condition data, the estimated value of the vehicle of the target user;
and determining the credit line of the target user according to the operation cost and the estimated value of the vehicle.
Optionally, the vehicle base case data includes: a vehicle image;
the determining the estimated value of the vehicle of the target user according to the determined vehicle basic condition data comprises the following steps:
determining maintenance data for the vehicle based on the vehicle image, the maintenance data including at least one of: vehicle brand, vehicle model, damage condition of the vehicle;
and determining the estimated value of the vehicle of the target user according to the maintenance condition data. Optionally, the method further comprises:
acquiring user information of the target user;
determining whether the target user meets credit granting conditions or not according to the user information and the ETC passing data;
and if so, executing the step of determining the operation cost of the target user according to the ETC passage data.
Optionally, the operating cost comprises vehicle fuel cost;
the determining the operation expense of the target user according to the ETC passing data comprises the following steps:
determining the monthly average driving mileage of the target user;
and determining the vehicle oil charge of the target user according to the monthly driving mileage.
Optionally, the ETC traffic data includes: the high-speed driving mileage of nearly N months, wherein N is a positive integer;
the determining the monthly average mileage of the target user comprises:
and determining the monthly average driving mileage of the target user according to the N-month high-speed driving mileage.
Optionally, the ETC traffic data includes: entrance information, entrance time, exit information, exit time;
the determining the monthly average mileage of the target user comprises:
determining a running track of the target user according to the entrance information, the entrance time, the exit information and the exit time;
and determining the monthly driving mileage of the target user according to the driving track.
Optionally, the method further comprises:
acquiring vehicle basic condition data of the target user, wherein the vehicle basic condition data comprises: a vehicle oil number;
acquiring the current price of the vehicle oil number;
determining the vehicle oil charge of the target user according to the monthly driving mileage comprises the following steps:
and determining the vehicle oil charge of the target user according to the current price of the vehicle oil number and the monthly average driving mileage.
Optionally, the ETC traffic data includes: the high-speed toll of nearly M months, wherein M is a positive integer, and the operation cost comprises: monthly high-speed toll;
the determining the operation expense of the target user according to the ETC passing data comprises the following steps:
and determining the monthly average high-speed toll of the target user according to the near M-month high-speed toll.
Optionally, the ETC traffic data includes: the high-speed toll in the last year;
the determining the operation expense of the target user according to the ETC passing data comprises the following steps:
determining the toll growth rate of the target user in the last year according to the high-speed toll in the last year and the high-speed toll in the last year;
determining the monthly average toll of the target user in the last year according to the high-speed toll in the last year;
and determining the operation cost of the target user according to the toll growth rate in the last year and the toll per month in the last year.
Optionally, the method further comprises:
judging whether the credit limit is within a preset limit range;
if not, sending out alarm prompt information.
In a second aspect, an embodiment of the present invention provides an amount determining device, including:
the data acquisition module is used for acquiring ETC passing data of the electronic toll collection system of a target user;
the expense determining module is used for determining the operation expense of the target user according to the ETC passage data, and the operation expense is used for representing turnover funds required by the target user in the vehicle operation process;
and the limit determining module is used for determining the credit limit of the target user according to the operation cost.
In a third aspect, an embodiment of the present invention provides an electronic device, including:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any of the embodiments described above.
In a fourth aspect, an embodiment of the present invention provides a computer-readable medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the method of any one of the above embodiments.
One embodiment of the above invention has the following advantages or benefits: according to the ETC passing data of the target user, the operation cost of the target user can be accurately determined, and the credit line of the target user can be reasonably determined.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
FIG. 1 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;
FIG. 2 is a schematic diagram illustrating a flow of a method for determining an amount according to an embodiment of the present invention;
FIG. 3 is a schematic diagram illustrating another quota determining method according to an embodiment of the present invention;
FIG. 4 is a diagram illustrating a flow of another quota determining method according to an embodiment of the present invention;
fig. 5 is a schematic diagram of a vehicle loan process based on ETC passage data according to an embodiment of the invention;
FIG. 6 is a schematic structural diagram of an amount determination device according to an embodiment of the present invention;
fig. 7 is a schematic block diagram of a computer system suitable for use in implementing a terminal device or server of an embodiment of the invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
The rise of electric business and the improvement of supply chain efficiency, and the development of logistics industry brings new opportunities. Due to the long settlement period of the freight, logistics enterprises generally face the problem of shortage of mobile funds, and the problem seriously troubles the development of the logistics enterprises. However, the logistics enterprises belong to light-asset companies, have no mortgage, most logistics transport companies have no operational loan records, are 'credit blank households', are difficult to obtain credit in banks, individual car owners are also difficult to handle large-amount credit cards in banks, and other financing channels are very high in cost. Bank credit is difficult to obtain and freight carriers and truck drivers bear a certain risk of fund shortage. With the popularization of ETC, the operation data of freight companies and individual truck drivers can be collected, and the fact that the truck companies and the truck drivers are engaged in the freight industry and have financing requirements can be verified, so that the bank can give credit for the truck companies and the truck drivers.
ETC loan based on the traffic data can provide credit for freight companies and truck drivers, and the credit granting and approval access module based on the traffic data excludes risk users. The risk management module after the loan and a third party compensation mechanism further reduce the risk of bad debt. The on-line loan application of the whole process is convenient and efficient, and the ETC loan product is promoted.
Based on this, the embodiment of the invention provides an amount determining method and device based on ETC traffic data. FIG. 1 shows an exemplary system architecture 100 to which the quota determining method or apparatus of the present invention may be applied.
As shown in fig. 1, system architecture 100 may include servers 101, 102, 103, network 104, and server 105. Network 104 is the medium used to provide communication links between servers 101, 102, 103 and server 105. Network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.
The servers 101, 102, 103 may be deployed in machine rooms in different areas, respectively, and store ETC traffic data in different areas, respectively. Servers 101, 102, 103 interact with server 105 over network 104 to receive or send messages and the like. The servers 101, 102, 103 transmit the stored ETC traffic data to the server 105 via the network 104.
The server 105 acquires ETC passing data of the ETC system of the target user; determining the operation cost of the target user according to the ETC passage data, wherein the operation cost is used for representing turnover funds required by the target user in the vehicle operation process; and determining the credit line of the target user according to the operation cost.
It should be noted that the method for determining the amount provided by the embodiment of the present invention is generally executed by the server 105, and accordingly, the apparatus for determining the amount is generally disposed in the server 105.
It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
FIG. 2 is a schematic diagram illustrating a flow of an quota determining method according to an embodiment of the present invention. The embodiment of the invention provides a method for determining a quota, as shown in fig. 2, comprising the following steps:
step 201: and acquiring ETC passing data of the electronic toll collection system of the target user.
The target user is a user needing to evaluate the credit line. The ETC pass data is data related to an ETC account of a target user, such as a user name, a certificate number, nearly three-month ETC toll, nearly three-month high-speed driving mileage and the like.
The identification of the target user can be sent to a related system which stores ETC data so as to inquire the ETC passing data of the target user. The identification of the target user may include: the identification number of the target user, the license plate number corresponding to the target user, the ETC account identification of the target user and the like. The ETC related system can also directly push ETC traffic data of the target user to the system provided by the embodiment of the invention.
Step 202: and determining the operation cost of the target user according to the ETC passage data, wherein the operation cost is used for representing turnover funds required by the target user in the vehicle operation process.
The operating cost characterizes the turnover funds required by the target user in operating the vehicle. The operation fee mainly comprises high-speed toll, vehicle oil fee and the like.
Step 203: and determining the credit line of the target user according to the operation cost.
In the embodiment of the invention, the operation cost of the target user can be more accurately determined according to the ETC passing data of the target user, and the credit line of the target user is more reasonably determined.
In one embodiment of the invention, the method further comprises:
acquiring user information of a target user;
determining whether the target user meets the credit granting condition or not according to the user information and the ETC passing data;
and if so, executing the step of determining the operation cost of the target user according to the ETC passage data.
The user information is information related to the integrity of the user. The user information may include: overdue condition in user row, user personal credit, blacklist condition, etc. The user can be determined to meet the credit granting condition and the like if the system presets the credit granting condition, if no overdue condition exists in the rows and the monthly driving mileage is more than 50 roads. Before the operation cost of the target user is determined, the credit granting condition of the target user is judged, so that the fund security of a credit granting organization can be ensured, and a sound and full amount evaluation mechanism is established.
In one embodiment of the present invention, the ETC traffic data includes: the high-speed toll in the last year;
according to ETC data of passing, confirm the operation expense of target user, include:
determining the toll growth rate of the target user in the last year according to the high-speed toll in the last year and the high-speed toll in the last year;
determining the monthly average toll of the target user in the last year according to the high-speed toll in the last year;
and determining the operation cost of the target user according to the toll growth rate in the last year and the toll in the last year and month.
The calculation formulas of the toll growth rate in the last year, the average toll in the last year and the average monthly toll and the operation fee can be set according to specific requirements. For example: the toll growth rate in the last year can be calculated by the following formula: the last year toll growth rate is (last year toll/last year toll). The average toll in the last year and month can be calculated by the following formula: the average toll in the last year and month is 12 of the high-speed toll in the last year. The operating cost can be calculated by the following formula: the operation fee is the average toll in the last year and month (1+ the increase rate of the toll in the last year), wherein the operation coefficient can be adjusted according to the operation fee, and the operation coefficient can be 0.5, 1, 3, and the like.
In one embodiment of the invention, the method further comprises:
judging whether the credit limit is within a preset limit range;
if not, sending out alarm prompt information.
The upper limit and the lower limit of the credit line can be preset in the system, and the upper limit and the lower limit of the credit line are set, so that excessive credit can be prevented. Related personnel can adjust the upper limit and the lower limit of the credit line in time according to the business development and the model change condition so as to further improve the rationality of the credit line.
High-speed tolls and oil fees are the main items of expenditure in freight operations. According to the ETC traffic data, the vehicle oil fee and the monthly high-speed traffic fee of the user can be estimated, and then the operation fee of the user can be determined more accurately. The following provides a vehicle fuel cost method for determining a target user according to ETC traffic data, comprising the following steps:
determining the monthly average driving mileage of the target user;
and determining the vehicle oil charge of the target user according to the average monthly driving mileage.
In one embodiment of the invention, the method further comprises:
acquiring vehicle basic condition data of a target user, wherein the vehicle basic condition data comprises: a vehicle oil number; acquiring the current price of the vehicle oil number; and determining the vehicle oil charge of the target user according to the current price of the vehicle oil number and the monthly average driving mileage.
If the ETC pass data contains the oil number of the target vehicle corresponding to the target user, the oil number of the target vehicle can be directly determined according to the ETC pass data. If the ETC pass data comprises the brand and the model of the target vehicle, the oil number of the target vehicle can be determined according to the brand and the model of the target vehicle.
And multiplying the oil number price of the target vehicle by the monthly average driving mileage and the average oil consumption of the target vehicle to determine the oil fee of the target vehicle. There may be various methods for determining the monthly average mileage of the target user based on the ETC passage data. And if the ETC passage data contains the monthly average driving mileage of the target user, the monthly average driving mileage of the target user can be directly obtained according to the ETC passage data. If the ETC traffic data includes: the high-speed driving mileage is nearly N months, and N is a positive integer; the monthly average high speed mileage of N months may be calculated to determine the monthly average mileage of the target user.
In one embodiment of the present invention, the ETC traffic data includes: entrance information, entrance time, exit information, exit time;
determining the monthly average mileage of the target user, comprising:
determining a driving track of a target user according to the entrance information, the entrance time, the exit information and the exit time;
and determining the monthly average driving mileage of the target user according to the driving track.
And connecting the high-speed entrances corresponding to the entry time and the high-speed exits corresponding to the exit time into a running track according to the sequence of the entry time and the exit time. And determining the monthly average driving mileage of the target user according to the driving track and the driving time corresponding to the driving track.
And acquiring a corresponding monitoring picture of the target vehicle from the monitoring data based on the vehicle characteristics of the target vehicle corresponding to the target user, and perfecting the running track based on the time and the place shot by the monitoring picture. The monitoring data may come from monitoring equipment installed on a highway or other roads. Therefore, the determined monthly average driving mileage can be more accurate.
A method of determining the monthly high-speed toll of the target user from the ETC traffic data is given below. Wherein, ETC is passed data and is included: and (4) the high-speed toll is nearly M months, wherein M is a positive integer. The method for determining the monthly high-speed toll of the target user comprises the following steps: and determining the monthly average high-speed toll of the target user according to the high-speed toll of the near M months. The monthly average high-speed toll of the target user in the period of M months is used as the monthly average high-speed toll of the target user, so that the high-speed toll which the target user needs to spend in each month can be estimated more accurately.
In the embodiment of the invention, the vehicle oil charge and the monthly high-speed toll of the user can be estimated according to the ETC traffic data, so that the operation cost of the user can be more accurately determined, the credit line of the target user can be reasonably determined, and the service can be better provided for the user.
FIG. 3 is a schematic diagram illustrating another quota determining method according to an embodiment of the present invention. The embodiment of the invention provides a method for determining a quota, as shown in fig. 3, comprising the following steps:
step 301: and acquiring ETC passing data of the electronic toll collection system of the target user.
Step 302: and determining the operation cost of the target user according to the ETC passage data, wherein the operation cost is used for representing turnover funds required by the target user in the vehicle operation process.
Step 303: acquiring vehicle operation data of a target user, wherein the vehicle operation data comprises at least one of the following data: vehicle base situation data, vehicle operation level data, vehicle operation risk data.
The vehicle basic situation data is used for representing situation information of a vehicle corresponding to the target user. The vehicle base case data may include: the vehicle age, the vehicle type, the network access time and the like. The vehicle operation level data is used for representing relevant information of the operation condition of the target user for the vehicle. The vehicle operation level data may include: operation rate, track integrity rate, daily average and monthly average operation mileage and the like. The vehicle operation risk data is used for representing risk information which may exist in the process of operating the vehicle by the target user. The vehicle operational risk data may include: personal credit points, cumulative number of insurances, etc.
Step 304: and determining the wind control coefficient of the target user according to the vehicle operation data.
The wind control coefficients are used to characterize the degree of safety of the loan to the target user. Generally, the higher the wind control factor, the higher the level of security credited to the target user. A calculation formula of the wind control coefficient can be preset in the system, so that the wind control coefficient corresponding to the target user can be calculated based on the vehicle basic condition data, the vehicle operation level data and the vehicle operation risk data.
The wind control coefficients may include at least one of: the vehicle basic situation weighting coefficient, the vehicle operation level weighting coefficient and the vehicle operation risk weighting coefficient. The calculation formula of the vehicle basic condition weighting coefficient, the vehicle operation level weighting coefficient and the vehicle operation risk weighting coefficient in the system can be used for calculating the coefficient corresponding to the target user based on the vehicle basic condition data, the vehicle operation level data and the vehicle operation risk data.
Step 305: and determining the credit line of the target user according to the operation cost and the wind control coefficient.
A formula for calculating the credit line according to the operation cost and the wind control coefficient can be preset in the system so as to determine the credit line of the target user. Generally, the credit line can be the product of the operation cost and the wind control coefficient. In the embodiment of the invention, the credit granting amount of the user is determined by utilizing the wind control coefficient and the operation cost, so that the loan risk of a loan institution can be further reduced.
FIG. 4 is a schematic diagram illustrating a flow of another quota determining method according to an embodiment of the present invention. The embodiment of the invention provides a method for determining a quota, as shown in fig. 4, comprising the following steps:
step 401: and acquiring ETC passing data of the electronic toll collection system of the target user.
Step 402: and determining the operation cost of the target user according to the ETC passage data, wherein the operation cost is used for representing turnover funds required by the target user in the vehicle operation process.
Step 403: and acquiring vehicle basic condition data of the target user.
The vehicle basic situation data is used for representing situation information of a vehicle corresponding to the target user. The vehicle base case data may include: the vehicle age, the vehicle type, the network access time and the like.
Step 404: and determining the estimated value of the vehicle of the target user according to the determined vehicle basic condition data.
The projected value of the target user's vehicle may be determined in a number of ways. If a calculation formula for calculating the estimated value of the vehicle is preset in the system, the parameters of the formula can include: the vehicle age, the vehicle type, the network access time and the like. And the record of selling the used cars can be inquired based on the basic condition data of the vehicles, and the estimated value of the target vehicle can be estimated according to the transaction price of similar used cars. The embodiment of the invention does not limit how to determine the estimated value of the target vehicle.
Step 405: and determining the credit line of the target user according to the operation cost and the estimated value of the vehicle.
The credit line of the user can refer to the estimated value of the vehicle. Generally, the higher the estimated value of the vehicle, the higher the credit line of the target user. The credit granting amount of the target user is determined by using the operation cost and the estimated value of the vehicle, and the safety of loan of a loan institution can be ensured.
In one embodiment of the invention, the vehicle base case data comprises: the brand, model and mileage of the vehicle;
according to the determined vehicle basic condition data, the estimated value of the vehicle of the target user comprises the following steps:
and determining the estimated value of the vehicle of the target user according to the brand of the vehicle, the model of the vehicle and the mileage of the vehicle.
And inquiring the sales records of the matched vehicles based on the vehicle basic condition data, and estimating the estimated value of the target vehicle according to the transaction price of the matched vehicles. The matching vehicle and the target vehicle at least have the same vehicle brand and vehicle model, and the difference between the vehicle use time and vehicle driving mileage of the matching vehicle and the vehicle use time and vehicle driving mileage of the target vehicle is smaller than a preset threshold.
In one embodiment of the invention, the vehicle base case data comprises: a vehicle image;
determining a projected value of a vehicle of a target user, comprising:
determining maintenance data for the vehicle based on the vehicle image, the maintenance data including at least one of: vehicle brand, vehicle model, damage condition of the vehicle;
and determining the estimated value of the vehicle of the target user according to the maintenance condition data.
Vehicle maintenance data for the target vehicle is determined from the vehicle image using image recognition techniques. Vehicle service condition data may include: vehicle make, vehicle model, damage to the vehicle, etc. And determining the estimated value of the target vehicle according to the vehicle maintenance condition data.
Further, based on the vehicle image, a damage condition of the target vehicle is identified. The failure conditions include: whether it has undergone major repairs, accidents, or is a water-soaking vehicle. According to the damage degree of the target vehicle, the target vehicle can be estimated accurately.
In the embodiment of the invention, the credit line of the user can be determined according to the estimated value of the vehicle. The credit line of the target user is determined by using the operation cost and the estimated value of the vehicle, so that the determined credit line is more reasonable, and the loan risk of a credit authority is reduced.
Fig. 5 is a schematic diagram of a vehicle loan process based on ETC passage data according to an embodiment of the invention. An embodiment of the present invention provides a vehicle loan method based on ETC passage data, as shown in fig. 5, including:
and the truck owner or driver initiates a loan application at a third party, and the third party transmits the user information, the truck ETC data and the platform passing data to the credit granting organization and invokes the credit granting organization loan SDK interface. According to the requirements, if the user does not have the credit institution type card, the account opening interface of the credit institution is skipped, the user can open and bind the credit institution account by using the six-line type card, and the account is used for loan application and cash withdrawal to the bound card. The data transmitted by the third party to the trust authority end is shown in table 1, and appropriate data is transmitted according to the service scene.
TABLE 1 ETC traffic data example
And in the limit measuring and calculating link, the credit granting mechanism performs access filtering on information such as identity information, ETC data, platform traffic data and the like of the user according to credit granting access rules, and the user who does not accord with credit granting conditions refuses credit granting. And through the admission of the credit, calculating the credit line of the user according to the credit model based on the traffic data, and returning information such as the credit line, the loan interest rate, the loan term, the loan due date, the repayment mode, the repayment account number and the like to the front end. The trust model is designed more flexibly, such as the following model I and model II.
Model one, credit limit is basic limit wind control coefficient. The new user basic quota is the average highway driving mileage of the last N months/4 corresponds to the average toll of the vehicle type, and the quota is calculated according to the actual average road toll of the user after the preset number of months; and the three weighting coefficients are calculated from the data in the table 1.
And a second model, wherein the credit line is the average toll of nearly one year and month (1+ the increase rate of the toll of nearly one year) × 3. Wherein, the toll growth rate in the last year is (toll in the last year)/toll in the last year, and the maximum value of the toll growth rate in the last year is limited to 50%.
Finally, the credit line is also provided with an upper limit and a lower limit to prevent excessive credit. Business personnel can adjust the admission conditions in time according to business development and model change conditions.
And in the limit application link, the credit granting mechanism checks approval and access of the user, checks overdue conditions, personal credit and blacklist conditions of the user in the line, calls an RSD system to perform risk investigation and the like. The approval and admission are passed, the loan is opened for an account, the loan is entrusted to be paid to a designated public account, and the loan is used for paying ETC cost of the user and the like, or the loan is independently supported by the user and is used for fund turnover of truck operation.
The post-loan management and overdue processing can be carried out when the loan is overdue due to the fact that the loan origin information cannot be deducted due to the full amount during the period of loan deposit, as follows: the system automatically freezes the outstanding credit line, sends a loan overdue prompt short message to the user, and unfreezes when the account state returns to normal; and starting short messages and call collection work of the client, sending the overdue loan information to a third-party platform when the client is overdue for more than 1 day, and carrying out follow-up loan collection by the third party. In addition, the credit granting organization and the third party sign a responsibility guarantee agreement to guarantee the whole amount of the loan. The third party pays a certain amount of deposit to the appointed deposit account, and compensates the overdue loan which fails to be collected.
The ETC loan product establishes a set of complete and standard credit granting access model and credit granting limit calculation model based on vehicle ETC passage data, reasonably evaluates capital turnover pressure in the aspects of toll and oil charge borne by truck drivers or freight companies in operation, and provides reasonable-level manageability loan for the truck drivers or the freight companies.
The embodiment of the invention screens the high-quality users meeting the conditions. According to data pushed from a third-party platform, data of an in-line credit system and a risk investigation system, such as the age, business license, ETC passing record, vehicle information and the like of a user, the user access is limited by combining an intelligent wind control means.
The risk management mechanism after loan of the embodiment of the invention can effectively control the reject ratio and recover the bad loan. The overdue loan hastening mechanism after the loan reminds the user to return the overdue loan in time, and the overdue compensation mechanism requires a third party to compensate the overdue loan which fails to be hastened, so that the loan risk is reduced.
The embodiment of the invention is based on vehicle ETC passage data, is a financial loan product on a whole flow line, is convenient and quick, and is convenient for quick popularization. The method of the embodiment of the invention has the following advantages: based on the vehicle ETC traffic data, the credit granting model can reasonably evaluate the capital turnover pressure in the aspects of the toll and the oil charge borne by a truck driver or a freight company in operation, and provide a considerable loan amount for a user. The credit granting and approval access module is used for carrying out access check on the multidimensional information of the users and effectively screening high-quality target users. The post-loan risk management mechanism requires a third party to provide loan guarantees to reduce loan risks. The financial loan products on the whole flow line are convenient and quick, and are convenient to popularize quickly.
FIG. 6 is a schematic structural diagram of an amount determination device according to an embodiment of the present invention, including:
the data acquisition module 601 is used for acquiring ETC passing data of the electronic toll collection system of a target user;
the fee determining module 602 is used for determining the operation fee of the target user according to the ETC traffic data, wherein the operation fee is used for representing turnover funds required by the target user in the vehicle operation process;
the amount determining module 603 is configured to determine the credit line of the target user according to the operation cost.
Optionally, the fee determining module 602 is specifically configured to: obtaining vehicle-related data of the target user, the vehicle-related data including at least one of: vehicle basic condition data, vehicle operation level data and vehicle operation risk data;
determining a wind control coefficient of a target user according to the basic condition data of the vehicle;
and determining the credit line of the target user according to the operation cost and the wind control coefficient.
Optionally, the fee determining module 602 is specifically configured to: acquiring vehicle basic condition data of a target user;
according to the determined basic condition data of the vehicle, the estimated value of the vehicle of the target user;
and determining the credit line of the target user according to the operation cost and the estimated value of the vehicle.
Optionally, the vehicle base case data comprises: the brand, model and mileage of the vehicle;
optionally, the vehicle base case data comprises: a vehicle image;
optionally, the fee determining module 602 is specifically configured to: determining maintenance data for the vehicle based on the vehicle image, the maintenance data including at least one of: vehicle brand, vehicle model, damage condition of the vehicle;
and determining the estimated value of the vehicle of the target user according to the maintenance condition data.
Optionally, the apparatus further comprises:
a condition determining module 604, configured to obtain user information of a target user;
and determining whether the target user meets the credit granting condition or not according to the user information and the ETC passing data.
Optionally, the operating expenses comprise vehicle fuel costs;
the fee determination module 602 is specifically configured to: determining the monthly average driving mileage of the target user;
and determining the vehicle oil charge of the target user according to the average monthly driving mileage.
Optionally, the ETC traffic data includes: the high-speed driving mileage is nearly N months, and N is a positive integer;
the fee determination module 602 is specifically configured to: and determining the monthly average driving mileage of the target user according to the N months high-speed driving mileage.
Optionally, the ETC traffic data includes: entrance information, entrance time, exit information, exit time;
the fee determination module 602 is specifically configured to: determining a driving track of a target user according to the entrance information, the entrance time, the exit information and the exit time;
and determining the monthly average driving mileage of the target user according to the driving track.
Optionally, the apparatus further comprises:
an oil price obtaining module 605, configured to obtain vehicle basic situation data of the target user, where the vehicle basic situation data includes: a vehicle oil number;
acquiring the current price of the vehicle oil number;
the fee determination module 602 is specifically configured to: and determining the vehicle oil charge of the target user according to the current price of the vehicle oil number and the monthly average driving mileage.
Optionally, the ETC traffic data includes: the high-speed toll of nearly M months, M is a positive integer, and the operation cost comprises: monthly high-speed toll;
the fee determination module 602 is specifically configured to: and determining the monthly average high-speed toll of the target user according to the high-speed toll of the near M months.
Optionally, the ETC traffic data includes: the high-speed toll in the last year;
the fee determination module 602 is specifically configured to: determining the toll growth rate of the target user in the last year according to the high-speed toll in the last year and the high-speed toll in the last year;
determining the monthly average toll of the target user in the last year according to the high-speed toll in the last year;
and determining the operation cost of the target user according to the toll growth rate in the last year and the toll in the last year and month.
Optionally, the apparatus further comprises:
the alarm extraction module 606 is used for judging whether the credit limit is within the preset limit range;
if not, sending out alarm prompt information.
An embodiment of the present invention provides an electronic device, including:
one or more processors;
a storage device for storing one or more programs,
when the one or more programs are executed by the one or more processors, the one or more processors are caused to implement the method of any of the embodiments described above.
Referring now to FIG. 7, shown is a block diagram of a computer system 700 suitable for use with a terminal device implementing an embodiment of the present invention. The terminal device shown in fig. 7 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 7, the computer system 700 includes a Central Processing Unit (CPU)701, which can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)702 or a program loaded from a storage section 708 into a Random Access Memory (RAM) 703. In the RAM 703, various programs and data necessary for the operation of the system 700 are also stored. The CPU 701, the ROM 702, and the RAM 703 are connected to each other via a bus 704. An input/output (I/O) interface 705 is also connected to bus 704.
The following components are connected to the I/O interface 705: an input portion 706 including a keyboard, a mouse, and the like; an output section 707 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 708 including a hard disk and the like; and a communication section 709 including a network interface card such as a LAN card, a modem, or the like. The communication section 709 performs communication processing via a network such as the internet. A drive 710 is also connected to the I/O interface 705 as needed. A removable medium 711 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 710 as necessary, so that a computer program read out therefrom is mounted into the storage section 708 as necessary.
In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 709, and/or installed from the removable medium 711. The computer program performs the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 701.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor comprises a data acquisition module, a fee determination module and a limit determination module. The names of these modules do not in some cases constitute a limitation on the modules themselves, and for example, the data acquisition module may also be described as a "module that acquires electronic toll collection system ETC traffic data of a target user".
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise:
acquiring ETC passing data of an electronic toll collection system of a target user;
determining the operation cost of the target user according to the ETC passage data, wherein the operation cost is used for representing turnover funds required by the target user in the vehicle operation process;
and determining the credit line of the target user according to the operation cost.
According to the technical scheme of the embodiment of the invention, the ETC traffic data of the target user is utilized, so that the operation cost of the target user can be more accurately determined, and the credit line of the target user can be more reasonably determined.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (15)
1. An amount determining method, comprising:
acquiring ETC passing data of an electronic toll collection system of a target user;
determining the operation cost of the target user according to the ETC passage data, wherein the operation cost is used for representing turnover funds required by the target user in the vehicle operation process;
and determining the credit line of the target user according to the operation cost.
2. The method of claim 1, wherein the determining the credit line of the target user according to the operation cost comprises:
obtaining vehicle operation data of the target user, wherein the vehicle operation data comprises at least one of the following: vehicle basic condition data, vehicle operation level data and vehicle operation risk data;
determining a wind control coefficient of the target user according to the vehicle operation data;
and determining the credit line of the target user according to the operation cost and the wind control coefficient.
3. The method of claim 1, wherein the determining the credit line of the target user according to the operation cost comprises:
acquiring vehicle basic condition data of the target user;
determining the estimated value of the vehicle of the target user according to the determined vehicle basic condition data;
and determining the credit line of the target user according to the operation cost and the estimated value of the vehicle.
4. The method of claim 3, wherein the vehicle base case data comprises: a vehicle image;
the determining the estimated value of the vehicle of the target user according to the determined vehicle basic condition data comprises the following steps:
determining maintenance data for the vehicle based on the vehicle image, the maintenance data including at least one of: vehicle brand, vehicle model, damage condition of the vehicle;
and determining the estimated value of the vehicle of the target user according to the maintenance condition data.
5. The method of claim 1, further comprising:
acquiring user information of the target user;
determining whether the target user meets credit granting conditions or not according to the user information and the ETC passing data;
and if so, executing the step of determining the operation cost of the target user according to the ETC passage data.
6. The method of claim 1, wherein the operating expenses include vehicle fuel costs;
the determining the operation expense of the target user according to the ETC passing data comprises the following steps:
determining the monthly average driving mileage of the target user;
and determining the vehicle oil charge of the target user according to the monthly driving mileage.
7. The method according to claim 6, wherein the ETC traffic data includes: the high-speed driving mileage of nearly N months, wherein N is a positive integer;
the determining the monthly average mileage of the target user comprises:
and determining the monthly average driving mileage of the target user according to the N-month high-speed driving mileage.
8. The method according to claim 5, wherein the ETC traffic data includes: entrance information, entrance time, exit information, exit time;
the determining the monthly average mileage of the target user comprises:
determining a running track of the target user according to the entrance information, the entrance time, the exit information and the exit time;
and determining the monthly driving mileage of the target user according to the driving track.
9. The method according to any one of claims 6 to 8, further comprising:
acquiring vehicle basic condition data of the target user, wherein the vehicle basic condition data comprises: a vehicle oil number;
acquiring the current price of the vehicle oil number;
determining the vehicle oil charge of the target user according to the monthly driving mileage comprises the following steps:
and determining the vehicle oil charge of the target user according to the current price of the vehicle oil number and the monthly average driving mileage.
10. The method according to claim 1, wherein the ETC traffic data includes: the high-speed toll of nearly M months, wherein M is a positive integer, and the operation cost comprises: monthly high-speed toll;
the determining the operation expense of the target user according to the ETC passing data comprises the following steps:
and determining the monthly average high-speed toll of the target user according to the near M-month high-speed toll.
11. The method according to claim 1, wherein the ETC traffic data includes: the high-speed toll in the last year;
the determining the operation expense of the target user according to the ETC passing data comprises the following steps:
determining the toll growth rate of the target user in the last year according to the high-speed toll in the last year and the high-speed toll in the last year;
determining the monthly average toll of the target user in the last year according to the high-speed toll in the last year;
and determining the operation cost of the target user according to the toll growth rate in the last year and the toll per month in the last year.
12. The method of claim 1, further comprising:
judging whether the credit limit is within a preset limit range;
if not, sending out alarm prompt information.
13. An amount determining apparatus, comprising:
the data acquisition module is used for acquiring ETC passing data of the electronic toll collection system of a target user;
the expense determining module is used for determining the operation expense of the target user according to the ETC passage data, and the operation expense is used for representing turnover funds required by the target user in the vehicle operation process;
and the limit determining module is used for determining the credit limit of the target user according to the operation cost.
14. An electronic device, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-12.
15. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-12.
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| CN202011443675.5A CN112419049A (en) | 2020-12-08 | 2020-12-08 | Quota determining method and device |
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| CN202011443675.5A CN112419049A (en) | 2020-12-08 | 2020-12-08 | Quota determining method and device |
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