CN113989031A

CN113989031A - Credit limit processing method and device and user resource processing method and device

Info

Publication number: CN113989031A
Application number: CN202111372135.7A
Authority: CN
Inventors: 顾欣欣; 汪佳; 甘利民; 孙剑哲; 余泉; 孙晓冬
Original assignee: Zhejiang eCommerce Bank Co Ltd
Current assignee: Zhejiang eCommerce Bank Co Ltd
Priority date: 2020-06-30
Filing date: 2020-06-30
Publication date: 2022-01-28
Also published as: TWI779535B; CN111507834B; WO2022001812A1; CN111507834A; TW202203126A

Abstract

The embodiment of the specification provides a credit line processing method and device and a user resource processing method and device, wherein the credit line processing method comprises the following steps: acquiring identity information input by a target user and plot information of a crop plot; displaying a map page to the target user; if the marking action input on the map page is detected, determining the plot boundary information corresponding to the marking action; calculating the marked area of the crop plot based on the plot boundary information; and determining the credit line of the target user according to the marked area, the parcel information and user data acquired based on the identity information.

Description

Credit limit processing method and device and user resource processing method and device

The present application is a divisional application of the chinese patent application entitled "credit line processing method and apparatus, and user resource processing method and apparatus" with an application date of 30/06/2020 and an application number of CN 202010613802.5.

Technical Field

The present disclosure relates to the field of data processing technologies, and in particular, to a method and an apparatus for processing credit limit and a method and an apparatus for processing user resources.

Background

With the popularization and application of communication technology and big data in the traditional industry, in the fields of agriculture, forestry, aquaculture industry and the like, a service for carrying out digital production management based on big data has appeared, but for traditional planting major users, the income sources mainly depend on production and planting activities and on the crop planting areas and crop varieties, and the users are limited by thin data dimensions when carrying out activities such as asset assessment, contract signing, credit investigation and the like, and are often in a relatively unfavorable position.

Disclosure of Invention

One or more embodiments of the specification provide a credit line processing method. The credit line processing method comprises the following steps: and acquiring the identity information input by the target user and the plot information of the crop plot. And displaying a map page to the target user. And if the marking action input on the map page is detected, determining the plot boundary information corresponding to the marking action. And calculating the marked area of the crop plot based on the plot boundary information. And determining the credit line of the target user according to the marked area, the parcel information and user data acquired based on the identity information.

One or more embodiments of the present specification provide a user resource processing method, including: and acquiring the plot information of the crop plot input by the target user. And displaying a geographic information page to the target user. And if the marking action input in the geographic information page is detected, determining the block boundary information corresponding to the marking action. And calculating the marked area of the crop plot based on the plot boundary information. And performing resource operation processing on the user resources of the target user according to the parcel information, the labeled area and the user data of the target user.

One or more embodiments of the present specification provide a credit limit processing apparatus, including: the information acquisition module is configured to acquire the identity information input by the target user and the plot information of the crop plot. A map page presentation module configured to present a map page to the target user. The map page comprises a map boundary information determining module, a map boundary information determining module and a map boundary information determining module, wherein the map boundary information determining module is configured to determine the map boundary information corresponding to a labeling action when the labeling action input on the map page is detected. And the marked area calculation module is configured to calculate the marked area of the crop land block based on the land block boundary information. And the credit line determining module is configured to determine the credit line of the target user according to the marked area, the parcel information and the user data acquired based on the identity information.

One or more embodiments of the present specification provide a user resource processing apparatus, including: the plot information acquisition module is configured to acquire the plot information of the crop plot entered by the target user. And the geographic information page display module is configured to display a geographic information page to the target user. The plot boundary information determining module is configured to determine plot boundary information corresponding to a labeling action input in the geographic information page under the condition that the labeling action is detected. And the marked area calculation module is configured to calculate the marked area of the crop land block based on the land block boundary information. And the resource operation processing module is configured to perform resource operation processing on the user resource of the target user according to the parcel information, the labeled area and the user data of the target user.

One or more embodiments of the present specification provide a credit line processing device, including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and acquiring the identity information input by the target user and the plot information of the crop plot. And displaying a map page to the target user. And if the marking action input on the map page is detected, determining the plot boundary information corresponding to the marking action. And calculating the marked area of the crop plot based on the plot boundary information. And determining the credit line of the target user according to the marked area, the parcel information and user data acquired based on the identity information.

One or more embodiments of the present specification provide a user resource processing apparatus, including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and acquiring the plot information of the crop plot input by the target user. And displaying a geographic information page to the target user. And if the marking action input in the geographic information page is detected, determining the block boundary information corresponding to the marking action. And calculating the marked area of the crop plot based on the plot boundary information. And performing resource operation processing on the user resources of the target user according to the parcel information, the labeled area and the user data of the target user.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed, implement the following: and acquiring the identity information input by the target user and the plot information of the crop plot. And displaying a map page to the target user. And if the marking action input on the map page is detected, determining the plot boundary information corresponding to the marking action. And calculating the marked area of the crop plot based on the plot boundary information. And determining the credit line of the target user according to the marked area, the parcel information and user data acquired based on the identity information.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed, implement the following: and acquiring the plot information of the crop plot input by the target user. And displaying a geographic information page to the target user. And if the marking action input in the geographic information page is detected, determining the block boundary information corresponding to the marking action. And calculating the marked area of the crop plot based on the plot boundary information. And performing resource operation processing on the user resources of the target user according to the parcel information, the labeled area and the user data of the target user.

Drawings

In order to more clearly illustrate one or more embodiments or prior art solutions of the present specification, the drawings that are needed in the description of the embodiments or prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and that other drawings can be obtained by those skilled in the art without inventive exercise.

FIG. 1 is a flowchart illustrating a method for processing credit limits according to one or more embodiments of the present disclosure;

FIG. 2 is a schematic illustration of a credit application page provided in one or more embodiments of the present description;

FIG. 3 is a schematic diagram of a tile management page provided in one or more embodiments of the present description;

FIG. 4 is a schematic illustration of a first map page provided in one or more embodiments of the present disclosure;

FIG. 5 is a schematic view of a second map page provided in one or more embodiments of the present description;

FIG. 6 is a flowchart of a method for processing credit lines applied to a scenario of an agricultural credit item according to one or more embodiments of the present disclosure;

FIG. 7 is a process flow diagram of a method for processing user resources according to one or more embodiments of the present disclosure;

FIG. 8 is a flowchart of a user resource processing method applied to a scenario of a security project according to one or more embodiments of the present disclosure;

FIG. 9 is a flowchart of a user resource processing method applied to a user resource management scenario according to one or more embodiments of the present specification;

FIG. 10 is a diagram illustrating an apparatus for processing credit limit according to one or more embodiments of the present disclosure;

FIG. 11 is a schematic diagram of a user resource processing apparatus according to one or more embodiments of the present disclosure;

fig. 12 is a schematic structural diagram of a credit line processing device according to one or more embodiments of the present disclosure;

fig. 13 is a schematic structural diagram of a user resource processing device according to one or more embodiments of the present specification.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in one or more embodiments of the present disclosure, the technical solutions in one or more embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in one or more embodiments of the present disclosure, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, and not all embodiments. All other embodiments that can be derived by a person skilled in the art from one or more of the embodiments described herein without making any inventive step shall fall within the scope of protection of this document.

The embodiment of a credit line processing method provided by the specification comprises the following steps:

referring to fig. 1, which shows a processing flow chart of a credit line processing method provided in this embodiment, referring to fig. 2, which shows a schematic diagram of a credit application page provided in this embodiment, referring to fig. 3, which shows a schematic diagram of a parcel management page provided in this embodiment, referring to fig. 4, which shows a schematic diagram of a first map page provided in this embodiment, referring to fig. 5, which shows a schematic diagram of a second map page provided in this embodiment, referring to fig. 6, which shows a processing flow chart of a credit line processing method applied to a scenario of an account loan aid, according to this embodiment.

Referring to fig. 1, the credit line processing method provided in this embodiment includes steps S102 to S110.

And S102, acquiring the identity information input by the target user and the plot information of the crop plot.

In practical application, for traditional planting households in the agricultural field, the forestry field or the aquaculture field, income mainly depends on production and planting activities and depends on crop planting areas and crop types, and meanwhile, the activity of online payment of the part of the users (the households) is low, so that a large amount of money is difficult to obtain when activities such as operation loan, asset evaluation, contract signing, credit investigation and the like are carried out.

According to the credit line processing method provided by the embodiment, specific online application or online service is combined for a part of target users in a crop planting main user list, and a dedicated credit processing channel is opened for the part of target users, so that the target users can perform information entry and marking on crop land parcels in a self-certification mode, specifically, the target users can enter identity information and land parcel information of the crop land parcels through the credit processing channel, and the marking service for marking the crop land parcels on a map page is provided through the credit processing channel, so that the accuracy of marking the crop land parcels can be improved; furthermore, on the basis of marking the crop plot, the area of the plot calculated after the plot is marked, plot information input by a user and user data of a target user are combined for credit assessment, more reasonable credit line is distributed for the user, so that the target user can obtain the credit line which is more in line with the actual asset condition of the target user, the provided credit line can provide convenience for basic production and operation of the target user, and the production and operation efficiency of the target user is improved.

The target user in this embodiment refers to a user recorded in a preset user list (for example, a planting household list), and specifically, a planting household that owns or contracts a large amount of land (for example, more than 10 mu) and uses the land as a main economic source may be defined as a planting household listed in the planting household list. The planting tenant list can be provided by a third-party organization, can be determined after the planting tenant is adjusted online and offline, can be generated based on the planting tenant corresponding to the approved application through the application of the planting tenant, and is not limited. The identity information refers to information related to the identity of the target user, such as the name, identification card number and contact information of the grower.

The crop land is a land, a paddy field or a seawater planting area for planting ground surface growing crops such as crops, forestry crops and aquatic crops. The plot information includes plot areas of the crop plots, such as plot area values measured in units of acres. In addition, the plot information entered by the target user may be the type of the crop planted in the crop plot, the coordinate information of the plot where the crop plot is located, time information, and the like.

It should be noted that, in this embodiment, a credit granting processing channel is opened for a target user in a preset user list, the credit granting processing channel is bound with a target application, and the identity information and the parcel information of the target user are entered after the target user triggers the credit granting processing channel, in other words, the target user in the preset user list can perform information entry and credit limit processing through the credit granting processing channel bound by the target application, for example, the credit limit is increased by entering information in the use process of the target application; specifically, in an optional implementation manner provided in this embodiment, when an application processing request of a target user for a target application is detected, a trigger control of a credit granting processing channel is displayed based on an application page of the target application, and the target user triggers the credit granting processing channel by triggering the trigger control.

The credit granting refers to funds directly provided by organizations such as banks and payment platforms to users, or guarantees of indemnity and payment responsibility possibly generated by users in related activities, and the credit granting can be used for in-table services such as loan, bill mortgage, overdraft, various payment and the like, and can also be used for out-table services such as bill acceptance, letter application, insurance and the like. The credit limit refers to a stock management index of short-term credit business approved by a bank, a payment platform and other mechanisms for a user.

For example, a credit line promotion channel is bound to a loan application in a payment platform, and in the process of applying for loan by a grower in a grower list through the loan application, the credit line needs to be determined by referring to the credit line of the grower, specifically, in the process of loan application by the grower a in the grower list, an application page of the loan application is provided with an allowance promotion control for promoting the amount of the grower; the planting user A can trigger the credit line raising channel by clicking the credit raising control set on the application page of the loan application, so that credit line raising processing is carried out through the credit line raising channel.

Specifically, the embodiment enables the planting and production operation activities of the users to be normally carried out by providing credit guaranties or mortgages for the users, and particularly provides corresponding resource support or fund help for the users by signing a crop operation contract with the users, wherein the crop operation contract refers to a contract signed by the users with a resource provider based on the credit guaranties of the users, and resources obtained after signing the crop operation contract are agreed for the planting and production operation activities.

Specifically, the user who has signed the crop operation contract may obtain corresponding funds from a loan provider, and in addition, the user who has signed the crop operation contract may obtain planting production equipment required in the planting production operation from an equipment provider, or the user who has signed the crop operation contract may obtain planting raw materials required in the planting production operation from a raw material provider, which is not limited to this.

In an optional implementation manner provided by this embodiment, the crop operation contract is specifically signed in the following manner:

acquiring an application request submitted by the user through an application control configured by triggering a contract application page of a target application;

judging whether the application amount contained in the application request is less than or equal to the credit line;

if yes, based on the application amount and the plot information of the crop plot submitted by the user, signing the crop operation contract with the user as a contract participant;

if not, the limit applied by the user is beyond the credit limit of the user, and a prompt that the applied limit is beyond the credit limit is sent to the user.

For example, a loan application in the payment platform opens a function of applying for an auxiliary agricultural loan to a grower a, the grower a can apply for a loan of a planting production operation activity through the loan application, in a specific application process, input a corresponding loan application amount, and submit a loan request through an application control configured by triggering an application page of the loan application, and after obtaining the loan request submitted by the grower a, judge whether the loan application amount submitted by the grower a is greater than a credit granting amount of the grower a (assumed to be 10000 yuan) based on the loan application amount of the grower a carried in the loan request; and if the loan application amount submitted by the grower A is less than 10000 Yuan, signing an agriculture operation loan contract by taking the grower A as a borrower and taking a fund provider as a lender, and simultaneously recording the plot information of the grower A, such as the crop type serving as the plot, the coordinate information of the plot where the crop plot is located, the time information and the like in the agriculture operation loan contract.

As mentioned above, the premise that the user obtains the resource support in the planting production operation activity is to take the credit of the user as a guarantee or a mortgage, and deduct or freeze the corresponding credit line part from the credit line of the user; optionally, the contract information in this embodiment includes a contract limit of the crop operation contract, and after the user signs the crop operation contract based on the credit limit, a used sub-limit corresponding to the contract limit in the credit limit used by the crop operation contract is frozen; accordingly, the used sub-amount is restored after the user fulfills the fulfillment terms recorded in the crop operation contract.

For example, the credit line of the grower A is 10000 yuan, if the grower A applies 6000 yuan for planting, 6000 yuan in the 10000 yuan credit line is frozen after signing a crop operation contract; accordingly, if the grower A pays a part or all of 6000 RMB, the paid part is thawed in the frozen credit line.

Further, after detecting that the trigger control of the credit granting processing channel is triggered, displaying a credit granting application page of the credit granting processing channel under the target application to a target user; the credit granting application page is configured with an information input interface and a credit granting application control; and the identity information and the land parcel information are input based on the information input interface. Correspondingly, the following step S104 is to display a map page to the target user, and to display the map page to the target user when an application instruction submitted by the target user for the credit granting application control is obtained.

Along the above example, after detecting that the quotation control set on the application page of the loan application is triggered by the grower a, the application page for performing the credit line quotation processing is displayed to the grower a in the loan application, as shown in fig. 2, the application page is configured with an information input window 201 and an application button 202, and the grower a can input a name, an identity card, a mobile phone number and a plot area of a crop plot to be input through the information input window 201.

Furthermore, the trust granting application page is configured with a plot management control, and if the plot management control is triggered, the crop plot of the target user is inquired and displayed based on the plot management page; and returning the credit granting application page under the condition that a return control configured by the parcel management page is triggered.

Still taking the loan application in the payment platform as an example, as shown in fig. 2, the application page is further configured with a plot adding button 203, and if the plot adding button 203 is triggered by the grower a, the application page enters the plot management page shown in fig. 3, where the plot management page displays 5 crop plots added by the grower a: the land parcel 1 is a crop land parcel for planting wheat, the land parcel 2 is a crop land parcel for planting potato, the land parcel 3 is a crop land parcel for planting corn, the land parcel 4 is a crop land parcel for planting rice, and the land parcel 5 is a crop land parcel for planting soybean; if the grower A wants to continue to add crop plots on the plot management page, the grower A only needs to click the plot adding button 301 to add the crop plots, and specifically, after the plot adding button 301 is clicked, the user enters a map page shown in FIG. 4; if grower A completes the addition of the crop plot, the application page shown in FIG. 2 may be returned by clicking the return application button 302.

In practical application, the size of a screen of a terminal device carried by a target user is often limited, and the map precision of a map page displayed on the terminal device is also limited, in this case, if the area of a crop plot of the target user is small, it is difficult to mark a corresponding crop plot on the map page, or the area of the marked crop plot is very small, which results in low marking accuracy of the crop plot, in an optional implementation manner provided in this embodiment, in order to improve the marking experience of the target user on the map page and improve the accuracy of the target user in marking the crop plot, whether to add the crop plot by using a map page marking manner is determined by judging whether the plot area included in the plot information is larger than a preset area threshold, if the plot area included in the plot information is larger than the preset area threshold, executing the following step S104 to display a map page to the target user;

on the other hand, if the plot area contained in the plot information is smaller than or equal to a preset area threshold, adding the crop plot by means of the terminal device of the target user, specifically, firstly, acquiring positioning data of the terminal device of the target user, and then determining second plot boundary information of the crop plot based on the positioning data; secondly, calculating a second labeling area of the crop plot based on the second plot boundary information; and finally, determining a third credit line of the target user according to the second marked area and the user data. The user data includes data of the target user in various dimensions, such as credit investigation data of the grower in credit dimension, asset data in asset dimension, and application use data in application dimension.

For example, the area of the crop land block input by the planter B on the application page shown in fig. 2 is 4.8 mu, which is smaller than the preset area threshold 8 mu for labeling the crop land block by using the map page marking method, in this case, the GPS positioning data of the mobile terminal carried by the planter B is used as the land block boundary information of the crop land block to be added by the planter B, according to this logic, if the planter B carries the mobile terminal to move around the crop land block to be added for one week, the whole land block boundary information of the crop land block to be added can be determined by the GPS positioning data of the mobile terminal carried by the planter B, so as to calculate the land block area of the crop land block to be added, and further determine the credit line granted to the planter B according to the calculated land block area and by combining the user data of the planter B, where the determination process of the credit line is similar to the following step S110, referring to the specific implementation process provided in step S110, details are not described here.

And step S104, displaying a map page to the target user.

In the specific implementation process, in order to facilitate the target user to label the crop land parcel based on the displayed map page in the process of displaying the map page to the target user, the map precision displayed on the map page can be adjusted to the precision matched with the land parcel according to the land parcel area contained in the land parcel information input by the target user and the corresponding relation between the land parcel area and the map precision of the map page, so as to improve the efficiency of the target user in subsequently labeling the crop land parcel on the map page.

In addition, in a specific implementation, in order to facilitate a target user to more intuitively view an adding process of a crop plot and enhance perception of the target user on the adding process of the crop plot, in an optional implementation manner provided in this embodiment, on the basis of displaying a map page to the target user, positioning data of a terminal device of the target user is obtained, coordinate information mapped by the positioning data in a map coordinate to which the map page belongs is further determined, a coordinate identifier corresponding to the coordinate information is updated in the map page, a plot area of the crop plot is calculated based on the positioning data, and a second credit line of the target user is determined according to the plot area, the plot information, and the user data.

For example, in the map page shown in fig. 4, if the map page is a map page displayed to the grower C, according to the GPS positioning data of the mobile terminal carried by the grower C, the corresponding coordinate position of the GPS positioning data in the map page is determined, and a corresponding mark is displayed at the coordinate position in the map page, according to this logic, if the grower C carries the mobile terminal to move around the crop plot to be added for one week, the global plot boundary information of the crop plot to be added can be determined by the GPS positioning data of the mobile terminal carried by the grower C, and a closed plot boundary mark is displayed on the map page, so that the plot area of the crop plot to be added can be calculated, and further, according to the calculated plot area, the plot information entered by the grower C and the user data of the grower C are combined to determine the credit limit of the grower C, the process of determining the credit line is similar to step S110, and is not described herein again with reference to the specific implementation process provided in step S110.

And step S106, if the marking action input on the map page is detected, determining the plot boundary information corresponding to the marking action.

Specifically, in the process of determining the parcel boundary information corresponding to the annotation action, firstly, according to the annotation action input by the target user on the map page, the map boundary information corresponding to the annotation action on the map page is determined, that is: determining a plot boundary of a crop plot in a map dimension; and then determining geographic position boundary information corresponding to the map boundary information according to the mapping relation between the map position of the map dimension and the geographic position of the actual geographic region latitude, wherein the geographic position boundary information is used as the plot boundary information corresponding to the marking action.

For example, according to the annotation action input by the grower a on the map page shown in fig. 4, the map boundary information corresponding to the annotation action input by the grower a on the map page is determined, and the map boundary information is displayed on the map page, as shown in fig. 5; and determining longitude and latitude information corresponding to the labeling action input by the grower A according to the mapping relation between the map boundary information and the longitude and latitude information of the map page.

In addition, in the process of determining the plot boundary information corresponding to the labeling action, map boundary information may also be used as the plot boundary information corresponding to the labeling action, and in the process of calculating the labeled area of the crop plot in the subsequent step S108, the map boundary information is converted into actual boundary information, and then the labeled area is calculated based on the actual boundary information.

In practical applications, it often occurs that an information entry process or a crop plot labeling process performed by a target user is interrupted, for example, a grower is interrupted when adding a plurality of crop plots, exits from an application page shown in fig. 2 or exits from a plot management page shown in fig. 3, in this case, if the target user wants to continue the information entry process or the crop plot labeling process that was interrupted before, the information entry process or the crop plot labeling process that has been executed before needs to be re-executed, in an optional implementation manner provided in this embodiment, in order to avoid that the target user repeatedly executes the information entry process or the crop plot labeling process, the interrupted processing process is resumed in the following manner:

1) storing the identity information, the parcel information and/or the parcel boundary information entered by a target user;

2) under the condition that a secondary application instruction submitted by a target user aiming at the credit granting application control is detected, judging whether the time span between the submission time of the secondary application instruction and the submission time of the application instruction is larger than a preset time threshold value or not;

if yes, reading the stored identity information, the stored parcel information and/or the parcel boundary information, updating the identity information and the parcel information to the credit granting application page and displaying, and/or updating a coordinate identification corresponding to the parcel boundary information to the map page and displaying;

if not, the time span between the time of the target user for inputting the information again or marking the crop plot and the time of inputting the information or marking the crop plot before is larger, and a corresponding prompt is sent to the target user or no processing is needed.

And S108, calculating the marked area of the crop plot based on the plot boundary information.

In this embodiment, the labeled area of the crop plot of the target user is calculated through latitude and longitude data, optionally, in the specific calculation process, firstly, latitude and longitude coordinate data mapped by the plot boundary information is determined, and then, based on the latitude and longitude coordinate data, the labeled area of the crop plot is calculated by adopting an area calculation formula;

wherein the area calculation formula includes: and calculating the product of the difference value of two latitude coordinate values adjacent to the latitude coordinate value in the latitude and longitude coordinate data and the corresponding longitude coordinate value, summing the products corresponding to all latitude coordinate values in the latitude and longitude coordinate data, and taking the product of one half of the summation result and the coordinate conversion constant as the labeled area.

For example, after the grower a marks on the map page, the boundary of the crop plot displayed on the map page is as shown in fig. 5, and according to the determined plot boundary information of the grower a, determining the longitude and latitude coordinate data of the crop plot of the grower a as follows: (x)₁，y₁)、(x₂，y₂)、···(x_n，y_n) (ii) a Then, calculating the plot area S of the crop plot of the grower A according to the following formula:

area of land

Wherein 9101160000.085981 in the formula is a coordinate conversion constant;

finally, the area of the land parcel calculated based on the formula is 1403 mu and 3 points.

And step S110, determining the credit line of the target user according to the marked area, the parcel information and the user data acquired based on the identity information.

As described above, the user data of the target user includes data of the target user in various dimensions, such as credit investigation data of the grower in credit dimension, asset data in asset dimension, and application usage data in application dimension. It should be noted that, in the process of determining the credit line of the target user, the purpose of introducing the user data of the target user is to comprehensively evaluate the credit line of the target user by combining the multidimensional data of the target user, so as to improve the accuracy and the comprehensiveness of the credit line evaluation.

In specific implementation, on the basis of calculating the plot area of the crop plot of the target user, in order to improve the effectiveness of the plot area and further improve the accuracy of the credit line determined based on the plot area, in an optional implementation manner provided in this embodiment, the marked area obtained by calculation is compared with the plot area included in the plot information; if the comparison result is that the marked area is smaller than or equal to the area of the land parcel, determining a special credit line according to the marked area and the user data, and using the special credit line as the credit line of the target user; and if the comparison result shows that the marked area is larger than the area of the land parcel, determining a special credit line according to the area of the land parcel and the user data, and using the special credit line as the credit line of the target user.

Specifically, in an optional implementation manner provided in this embodiment, in the process of determining the special credit line according to the label area and the user data, the label area and the user data are input as a model, an amount allocation model is input to allocate the credit line, and the special credit line allocated to the target user for the crop plot is output as the credit line, so as to improve the processing efficiency in the process of determining the credit line of the target user.

Similarly, in the process of determining the special credit line according to the parcel area and the user data contained in the parcel information, inputting the parcel area and the user data contained in the parcel information as a model, inputting a line distribution model for allocating the credit line, and outputting the special credit line allocated to the target user for the crop parcel as the credit line.

In addition, in specific implementation, in the process of determining the credit line of the target user, in order to further improve the accuracy of the credit line of the target user, the credit line may also be determined from the crop value of the crop plot of the target user, so that the determined credit line is more consistent with the actual asset condition of the target user and more consistent with the actual repayment capability of the user, in an optional implementation manner provided in this embodiment, the plot boundary information and the corresponding time information are input into a crop identification model to perform crop type identification, and the crop type of the crop plot is obtained; then calculating the crop value of the crop plot based on the crop type, the labeled area and the crop attribute corresponding to the crop type; and finally, determining a fourth credit line of the target user according to the crop value and the user data.

In practical application, different target users may apply for the credit line according to different requirements, or are in different credit states when applying for the credit line, for example, some planting users do not have opened credit service when applying for the credit line, or some planting users have opened credit service and have a certain credit line when applying for the credit line, or some planting users have used their credit line through loan or mortgage when applying for the credit line, in an optional implementation manner provided in this embodiment, in order to enhance user experience of a target user, a target user in different credit states is subjected to targeted processing from the credit state of the target user, and specifically, the credit state of the target user is read; if the credit granting state of the target user is not granted, granting credit to the target user based on the credit granting amount; if the credit granting state of the target user is the granted credit, adjusting the initial credit granting amount of the target user based on the credit granting amount; and if the credit granting state of the target user is used for credit granting, generating a performance prompt based on contract information recorded in the crop operation contract signed by the target user and sending the performance prompt to the target user.

In addition, it should be noted that, the implementation of determining the credit line of the target user according to the labeled area, the parcel information, and the user data obtained based on the identity information may also be replaced by corresponding processing actions in different application scenarios according to the scenario characteristics of different application scenarios, and the following provides specific implementation manners in 5 different implementation scenarios:

the first implementation mode comprises the following steps:

inputting the marked area, the plot information and the user data as models, inputting an amount distribution model to distribute credit lines, and outputting a special credit line distributed to the target user aiming at the crop plot;

reading the credit granting state of the target user;

if the credit granting state of the target user is not granted, granting credit to the target user based on the special credit granting amount;

if the credit granting state of the target user is the granted credit, adjusting the initial credit granting amount of the target user based on the special credit granting amount;

and if the credit granting state of the target user is used for credit granting, generating a performance prompt based on contract information recorded in the crop operation contract signed by the target user and sending the performance prompt to the target user.

The second implementation mode comprises the following steps:

calculating the confidence coefficient of the land parcel information based on the land parcel area and the labeled area contained in the land parcel information;

and updating the credit level of the target user based on the confidence level and credit data contained in the user data when the confidence level is greater than a preset confidence level threshold value.

The third implementation mode comprises the following steps:

determining a remote sensing image crop plot of the plot coordinate information mapped in a pre-acquired remote sensing image;

determining the crop type of the crop plot according to the crop type of an image unit contained in the remote sensing image crop plot which is identified and stored in advance;

calculating a crop value for the crop plot based on the labeled area and the crop species;

calculating a resource conversion numerical value corresponding to the land parcel information according to the crop value and the resource conversion rate corresponding to the crop type;

generating a resource management policy for the crop plot based on the resource conversion value and the resource preference and/or resource status of the target user.

The fourth implementation mode comprises the following steps:

determining time information corresponding to the plot coordinate information contained in the plot information;

determining a remote sensing image crop plot of the plot coordinate information mapped in a remote sensing image acquired in advance based on the time information;

determining the risk level of the crop plot based on the crop type, the labeled area, the region information contained in the plot information and the crop value fluctuation corresponding to the crop type;

and generating a risk early warning prompt based on the risk level and displaying the risk early warning prompt to the target user.

The fifth implementation manner:

inputting the plot boundary information and the corresponding time information into a crop identification model for crop type identification to obtain the crop type of the crop plot;

calculating a crop value of the crop plot based on the crop type, the labeled area, and a crop attribute corresponding to the crop type;

and determining the guarantee amount of the target user according to the crop value and the user data.

The following description will further explain the credit line processing method provided in this embodiment by taking an application of the credit line processing method provided in this embodiment in a scenario of an agricultural credit item as an example, and referring to fig. 6, the credit line processing method applied in the scenario of the agricultural credit item specifically includes steps S602 to S622.

Step S602, acquiring identity information and plot information of the crop plot, wherein the identity information is input by a grower after a credit granting processing channel is triggered on a project page of the agricultural and lending interest.

Specifically, under the condition that a request of a grower for applying for a farming loan item is detected, a triggering control of a credit granting processing channel is displayed on a project page based on the farming loan item; after the triggering control is detected to be triggered, a credit granting application page of a credit granting processing channel under the agriculture loan account is displayed to the grower; the credit granting application page is configured with an information input interface and a credit granting application control; identity information and plot information of the growers are input based on the information input interface. In addition, the trust application page is also configured with a parcel management control.

The identity information refers to information related to the identity of the grower, such as the name, identification card number and contact information of the grower. The crop land refers to a land, a paddy field or a seawater planting area for planting crops growing on the surface such as crops, forestry crops and aquatic crops. Plot information includes plot area of a crop plot, such as a plot area value in units of acres.

And step S604, displaying a map page to the grower under the condition of acquiring an application instruction submitted by the grower for the credit granting application control.

Step S606, if the marking action input by the grower on the map page is detected, determining the plot boundary information corresponding to the marking action.

Specifically, in the process of determining the plot boundary information corresponding to the labeling action, firstly, according to the labeling action input by the grower on the map page, the map boundary information corresponding to the labeling action in the map page is determined, that is: determining a plot boundary of a crop plot in a map dimension; and then determining geographic position boundary information corresponding to the map boundary information according to the mapping relation between the map position of the map dimension and the geographic position of the actual geographic region latitude, wherein the geographic position boundary information is used as the plot boundary information corresponding to the marking action.

Step S608, calculating the marked area of the crop plot based on the plot boundary information.

According to the determined plot boundary information of the grower, determining longitude and latitude coordinate data of the crop plot of the grower as follows: (x)₁，y₁)、(x₂，y₂)、···(x_n，y_n) (ii) a Then, calculating the plot area S of the crop plot of the grower A according to the following formula:

area of land

Wherein 9101160000.085981 is a coordinate transformation constant.

Step S610, comparing the labeled area with the parcel area contained in the parcel information.

And step S612, if the comparison result is that the marked area is smaller than or equal to the area of the land parcel, determining a special credit line as the special credit line of the planting house according to the marked area and the user data of the planting house.

Specifically, in the process of determining the special credit line according to the marked area and the user data, in the process of determining the credit line of the target user, the marked area and the user data are used as model input, an amount distribution model is input to distribute the credit line, and the special credit line distributed to the planting user for the crop plot is output.

And step S614, if the comparison result shows that the marked area is larger than the area of the land, determining a special credit line according to the area of the land and the user data of the planting user, and using the special credit line as the special credit line of the planting user.

Step S616, reading the credit granting state of the grower.

And step S618, if the credit granting state of the planting user is not the credit granting, the planting user is granted with credit based on the special credit granting amount.

And S620, if the credit granting state of the planting user is the granted credit, adjusting the initial credit granting amount of the planting user based on the special credit granting amount.

And step S622, if the credit granting state of the grower is credit granted, generating a performance prompt and sending the performance prompt to the grower based on contract information recorded in the agriculture and forestry operation loan contract of the agriculture and forestry loan money signed by the grower.

An embodiment of a user resource processing method provided in this specification is as follows:

referring to fig. 7, it shows a processing flowchart of a user resource processing method provided in this embodiment, where the user resource processing method specifically includes steps S702 to S710.

Step S702, the plot information of the crop plot input by the target user is obtained.

In the user resource processing method provided by this embodiment, the plot information of the crop plot of the target user is obtained, and the crop plot of the target user is labeled, and further, on the basis of labeling the crop plot, the plot area calculated after the plot labeling, the plot information entered by the user, and the user data of the target user are combined to perform credit granting evaluation on the target user, so that a more reasonable credit granting amount is allocated to the user, so that the user resource of the target user is more effectively managed, and further, the improvement of the production and operation efficiency of the target user is promoted.

The crop land is a land, a paddy field or a seawater planting area for planting ground surface growing crops such as crops, forestry crops and aquatic crops. The plot information comprises one or more items of plot area of the crop plot, crop type, plot coordinate information of the crop plot and time information.

In this embodiment, a credit granting processing channel is opened for a target user in a preset user list, the credit granting processing channel is bound with a target application, and the parcel information of the target user is entered after the target user triggers the credit granting processing channel, in other words, the target user in the preset user list can perform information entry and credit limit processing through the credit granting processing channel bound by the target application, for example, the credit limit is increased by entering information in the using process of the target application; specifically, in an optional implementation manner provided in this embodiment, when an application processing request of a target user for a target application is detected, a trigger control of a credit granting processing channel is displayed based on an application page of the target application, and the target user triggers the credit granting processing channel by triggering the trigger control.

Further, after detecting that the trigger control of the credit granting processing channel is triggered, displaying a credit granting application page of the credit granting processing channel under the target application to a target user; the credit granting application page is configured with an information input interface and a credit granting application control; and the land parcel information is input based on the information input interface.

Step S704, displaying a geographic information page to the target user.

In the specific implementation process, in order to facilitate the target user to label the crop land based on the displayed geographic information page in the process of displaying the geographic information page to the target user, the precision displayed on the geographic information page can be adjusted to the precision matched with the land area according to the land area contained in the land information input by the target user and the corresponding relation between the land area and the precision of the geographic information page, so as to improve the efficiency of the target user to subsequently label the crop land on the geographic information page.

The geographic information page can be a map page or an image page of a remote sensing image. Besides, the geographic information page may also be a page related to geographic information for performing parcel labeling, such as a live-action image page of a certain area.

Step S706, if the labeling action input in the geographic information page is detected, determining the plot boundary information corresponding to the labeling action.

Specifically, in the process of determining the parcel boundary information corresponding to the labeling action, firstly, according to the labeling action input by the target user on the geographic information page, determining the page boundary information corresponding to the labeling action in the geographic information page, that is: determining a plot boundary of a crop plot in a geographic information page dimension; and then determining geographic position boundary information corresponding to the page boundary information according to the mapping relation between the position of the geographic information page dimension and the geographic position of the actual geographic region latitude, wherein the geographic position boundary information is used as the plot boundary information corresponding to the marking action.

Step S708, calculating the marked area of the crop plot based on the plot boundary information.

area of land

Here, 9101160000.085981 in the formula is a coordinate conversion constant.

Step S710, according to the parcel information, the labeled area and the user data of the target user, performing resource operation processing on the user resource of the target user.

In an optional implementation manner provided in this embodiment, in the process of performing resource operation processing on the user resource of the target user, in order to improve user experience of the target user, the target user in different trust states is subjected to targeted processing starting from the trust state of the target user, which is specifically implemented as follows:

1) inputting the marked area, the plot information and the user data as models, inputting an amount distribution model to distribute credit lines, and outputting a special credit line distributed to the target user aiming at the crop plot;

2) reading the credit granting state of the target user;

3) if the credit granting state of the target user is not granted, granting credit to the target user based on the special credit granting amount;

4) if the credit granting state of the target user is the granted credit, adjusting the initial credit granting amount of the target user based on the special credit granting amount;

5) and if the credit granting state of the target user is used for credit granting, generating a performance prompt based on contract information recorded in the crop operation contract signed by the target user and sending the performance prompt to the target user.

In another optional implementation manner provided by this embodiment, in order to improve the confidence level of the user credit level from the credit dimension, the confidence level of the parcel information is calculated based on the parcel area and the label area included in the parcel information; and updating the credit level of the target user based on the confidence level and credit data contained in the user data when the confidence level is greater than a preset confidence level threshold value.

The following further describes the user resource processing method provided in this embodiment by taking an application of the user resource processing method provided in this embodiment in a guarantee project scenario as an example, and referring to fig. 8, the user resource processing method applied in the guarantee project scenario specifically includes steps S802 to S818.

And S802, acquiring the plot information of the crop plot, which is input by the grower after the credit granting processing channel is triggered by the project page of the guarantee project.

The guarantee items comprise items for providing guarantee services for crops growing in the crop plots of the growers and items for providing guarantee services for the planting production activities of the growers or the expected benefits of the planting production activities. For example, agricultural insurance programs that provide insurance for crops growing in crop plots of growers.

And step S804, under the condition that an application instruction submitted by the grower for the credit granting application control is obtained, displaying a map page to the grower.

Step S806, if the marking action input by the grower on the map page is detected, determining the plot boundary information corresponding to the marking action.

And step S808, calculating the marked area of the crop plot based on the plot boundary information.

Step S810, comparing the marked area with the area of the land parcel contained in the land parcel information.

In step S812, if the comparison result is that the labeled area is smaller than or equal to the area of the plot, the plot boundary information and the corresponding time information are input into the crop identification model for crop type identification, so as to obtain the crop type of the crop plot.

Step S814, calculating the crop value of the crop land based on the crop type, the labeled area and the crop attribute corresponding to the crop type.

And step S816, determining the guarantee amount of the grower according to the crop value and the user data.

And step S818, recommending guarantee items to the grower based on the guarantee amount, or recommending guarantee items to the grower based on the crop type and/or the crop value.

The following further describes the user resource processing method provided in this embodiment by taking an application of the user resource processing method provided in this embodiment in a user resource management scenario as an example, referring to fig. 9, the user resource processing method applied in the user resource management scenario specifically includes steps S902 to S918.

And S902, acquiring the plot coordinate information of the crop plot input by the grower.

Step S904, the geographic information page is presented to the grower.

Step S906, if the marking action input by the grower on the geographic information page is detected, determining the plot boundary information corresponding to the marking action.

Step S908, calculating the labeled area of the crop plot based on the plot boundary information.

Step S910, determining the remote sensing image crop plot mapped by the plot coordinate information in the remote sensing image acquired in advance.

In step S912, the crop type of the crop plot is determined based on the crop type of the image unit included in the remote sensing image crop plot recognized and stored in advance.

Step S914, calculating the crop value of the crop plot based on the marked area and the crop species of the crop plot.

Step S916, calculating a resource conversion value corresponding to the parcel information according to the crop value and the resource conversion rate corresponding to the crop type.

Step S918, generating a resource management strategy of the crop plot based on the resource conversion value and the resource preference and/or the resource state of the grower.

It should be noted that, similar to the specific implementation of the foregoing step S908 to step S918, the resource management policy generation process in the user resource management scenario provided in the foregoing step S908 to step S918 may also be replaced by a user resource risk early warning process in the user resource management scenario, and specifically, the user resource risk early warning process in the user resource management scenario is implemented as follows:

1) determining time information corresponding to the plot coordinate information contained in the plot information;

2) determining a remote sensing image crop plot of the plot coordinate information mapped in the remote sensing image acquired in advance based on the time information;

3) determining the crop type of the crop plot according to the crop type of the image unit contained in the remote sensing image crop plot which is identified and stored in advance;

4) determining the risk level of the crop plot based on the crop type, the marked area, the region information contained in the plot information and the crop value fluctuation corresponding to the crop type;

5) and generating a risk early warning prompt based on the risk grade and displaying the risk early warning prompt to a grower.

The embodiment of the credit limit processing device provided by the specification is as follows:

in the above embodiments, a credit line processing method is provided, and correspondingly, a credit line processing device is also provided, which will be described below with reference to the accompanying drawings.

Referring to fig. 10, a schematic diagram of a credit line processing device according to this embodiment is shown.

Since the device embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions may refer to the corresponding description of the method embodiments provided above. The device embodiments described below are merely illustrative.

The present embodiment provides a credit line processing device, including:

an information acquisition module 1002 configured to acquire identity information entered by a target user and plot information of a crop plot;

a map page presentation module 1004 configured to present a map page to the target user;

a parcel boundary information determination module 1006, configured to, in a case that a labeling action input on the map page is detected, determine parcel boundary information corresponding to the labeling action;

a labeled area calculation module 1008 configured to calculate a labeled area of the crop plot based on the plot boundary information;

and the credit line determining module 1010 is configured to determine the credit line of the target user according to the marked area, the parcel information and the user data acquired based on the identity information.

Optionally, the identity information and the parcel information are entered after the target user triggers a credit granting processing channel, the credit granting processing channel is opened to the target user recorded in a preset user list, and the credit granting processing channel is bound to the target application;

and under the condition that an application processing request of the target user for the target application is detected, displaying a trigger control of the credit granting processing channel based on an application page of the target application, wherein the target user triggers the credit granting processing channel by triggering the trigger control.

Optionally, after detecting that the trigger control is triggered, a credit granting application page of the credit granting processing channel under the target application is displayed to the target user; the credit granting application page is configured with an information input interface and a credit granting application control; the identity information and the land parcel information are input based on the information input interface;

correspondingly, the map page display module 1004 is specifically configured to display the map page to the target user when an application instruction submitted by the target user for the credit granting application control is acquired.

Optionally, the trust granting application page is configured with a plot management control, and if the plot management control is detected to be triggered, the crop plot of the target user is queried and displayed based on the plot management page; and returning the credit granting application page under the condition that a return control configured by the parcel management page is triggered.

Optionally, the credit line processing device further includes:

a storage module configured to store the identity information, the parcel information, and/or the parcel boundary information entered by the target user;

the time judgment module is configured to judge whether a time span between the submission time of the secondary application instruction and the submission time of the application instruction is larger than a preset time threshold or not under the condition that the secondary application instruction submitted by the target user aiming at the credit granting application control is detected;

if yes, operating the display module; the display module is configured to read the stored identity information, the stored parcel information and/or the parcel boundary information, update the identity information and the parcel information to the credit application page and display the identity information and the parcel information, and/or update the coordinate identifier corresponding to the parcel boundary information to the map page and display the coordinate identifier.

Optionally, the credit line processing device further includes:

a positioning data acquisition module configured to acquire positioning data of the terminal device of the target user;

the coordinate identification updating module is configured to determine coordinate information mapped by the positioning data in a map coordinate to which the map page belongs, and update a coordinate identification corresponding to the coordinate information in the map page;

a plot area calculation module configured to calculate a plot area of the crop plot based on the positioning data;

and the second credit line determining module is configured to determine a second credit line of the target user according to the parcel area, the parcel information and the user data.

Optionally, the credit line processing device further includes:

the plot area judging module is configured to judge whether the plot area contained in the plot information is larger than a preset area threshold value;

if so, the map page display module 1004 is operated;

if not, operating a second positioning data acquisition module, a second block boundary information determination module, a second marked area calculation module and a third credit line determination module;

the second positioning data acquisition module is configured to acquire positioning data of the terminal device of the target user;

the second block boundary information determination module configured to determine second block boundary information for the crop block based on the positioning data;

the second labeled area calculation module is configured to calculate a second labeled area of the crop land block based on the second land block boundary information;

and the third credit line determining module is configured to determine a third credit line of the target user according to the second marked area and the user data.

Optionally, the labeled area calculating module 1008 includes:

a latitude and longitude coordinate data determination sub-module configured to determine latitude and longitude coordinate data mapped by the parcel boundary information;

the marked area calculation sub-module is configured to calculate the marked area of the crop plot by adopting an area calculation formula based on the longitude and latitude coordinate data;

Optionally, the credit line determining module 1010 includes:

a plot area comparison submodule configured to compare the labeled area with a plot area included in the plot information;

the first special credit line determining submodule is configured to determine a special credit line as the credit line of the target user according to the marked area and the user data if the marked area is smaller than or equal to the area of the land parcel as a comparison result;

and the second special credit line determining submodule is configured to determine a special credit line as the credit line of the target user according to the area of the parcel and the user data if the comparison result shows that the marked area is larger than the area of the parcel.

Optionally, the first special credit line determining sub-module is specifically configured to input the marked area and the user data as a model, input an amount distribution model to distribute credit lines, and output the credit line distributed to the target user for the crop plot as the special credit line.

Optionally, the credit line processing device further includes:

the crop type determination module is configured to input the plot boundary information and the corresponding time information into a crop identification model for crop type identification to obtain a crop type of the crop plot;

a crop value calculation module configured to calculate a crop value for the crop plot based on the crop type, the labeled area, and a crop attribute corresponding to the crop type;

and the fourth credit line determining module is configured to determine a fourth credit line of the target user according to the crop value and the user data.

Optionally, the credit line processing device further includes:

the credit granting state reading module is configured to read the credit granting state of the target user;

the first credit granting processing module is configured to grant credit to the target user based on the credit granting amount if the credit granting state of the target user is not granted;

the second credit processing module is configured to adjust the initial credit line of the target user based on the credit line if the credit state of the target user is the credit;

and the third trust processing module is configured to generate a performance prompt and send the performance prompt to the target user based on contract information recorded in a crop operation contract signed by the target user if the trust status of the target user is used for trust.

The embodiment of the user resource processing device provided by the specification is as follows:

in the foregoing embodiment, a user resource processing method is provided, and correspondingly, a user resource processing apparatus is also provided, which is described below with reference to the accompanying drawings.

Referring to fig. 11, a schematic diagram of a user resource processing apparatus provided in this embodiment is shown.

The present embodiment provides a user resource processing apparatus, including:

a plot information acquisition module 1102 configured to acquire plot information of a crop plot entered by a target user;

a geographic information page presentation module 1104 configured to present a geographic information page to the target user;

a parcel boundary information determination module 1106, configured to, in a case that a tagging action input in the geographic information page is detected, determine parcel boundary information corresponding to the tagging action;

a labeled area calculation module 1108 configured to calculate a labeled area of the crop plot based on the plot boundary information;

a resource operation processing module 1110, configured to perform resource operation processing on the user resource of the target user according to the parcel information, the labeled area, and the user data of the target user.

Optionally, the resource operation processing module 1110 includes:

the special credit line determining submodule is configured to input the marked area, the plot information and the user data as a model, input an amount distribution model to distribute credit lines, and output a special credit line distributed to the target user for the crop plot;

the credit granting state reading sub-module is configured to read the credit granting state of the target user;

the first credit granting processing sub-module is configured to grant credit to the target user based on the special credit granting amount if the credit granting state of the target user is not granted;

the second credit processing sub-module is configured to adjust the initial credit line of the target user based on the special credit line if the credit state of the target user is the credit;

and the third trust processing submodule is configured to generate a performance prompt and send the performance prompt to the target user based on contract information recorded in a crop operation contract signed by the target user if the trust status of the target user is used for trust.

Optionally, the resource operation processing module 1110 includes:

a confidence coefficient calculation submodule configured to calculate a confidence coefficient of the parcel information based on the parcel area and the label area included in the parcel information;

a credit level updating sub-module configured to update the credit level of the target user based on the confidence level and credit data included in the user data, if the confidence level is greater than a preset confidence level threshold.

Optionally, the resource operation processing module 1110 includes:

the remote sensing image crop plot determining submodule is configured to determine a remote sensing image crop plot of the plot coordinate information mapped in a remote sensing image acquired in advance;

the crop type determining submodule is configured to determine the crop type of the crop plot according to the crop type of an image unit contained in the remote sensing image crop plot which is identified and stored in advance;

a crop value calculation sub-module configured to calculate a crop value for the crop plot based on the labeled area and the crop category;

the resource conversion numerical value calculation submodule is configured to calculate a resource conversion numerical value corresponding to the land parcel information according to the crop value and the resource conversion rate corresponding to the crop type;

a resource management policy generation sub-module configured to generate a resource management policy for the crop plot based on the resource conversion value and the resource preference and/or resource status of the target user.

Optionally, the resource operation processing module 1110 includes:

the time information determining submodule is configured to determine time information corresponding to the parcel coordinate information contained in the parcel information;

the second remote sensing image crop plot determining submodule is configured to determine a remote sensing image crop plot of the plot coordinate information mapped in a remote sensing image acquired in advance based on the time information;

a second crop type determination submodule configured to determine a crop type of the crop plot from a crop type of an image unit included in the remote-sensing image crop plot, which is identified and stored in advance;

a risk level determination submodule configured to determine a risk level of the crop plot based on the crop type, the labeled area, the region information included in the plot information, and the crop value fluctuation corresponding to the crop type;

and the risk early warning prompt display submodule is configured to generate a risk early warning prompt based on the risk level and display the risk early warning prompt to the target user.

Optionally, the resource operation processing module 1110 includes:

the crop type identification submodule is configured to input the plot boundary information and the corresponding time information into a crop identification model for crop type identification to obtain the crop type of the crop plot;

a second crop value calculation submodule configured to calculate a crop value of the crop land based on the crop type, the labeled area, and a crop attribute corresponding to the crop type;

and the guarantee amount determining submodule is configured to determine the guarantee amount of the target user according to the crop value and the user data.

Optionally, the labeled area calculating module 1108 includes:

The embodiment of the credit line processing device provided by the specification is as follows:

on the basis of the same technical concept, one or more embodiments of the present specification further provide a credit line processing device for executing the provided credit line processing method, and fig. 12 is a schematic structural diagram of a credit line processing device provided in one or more embodiments of the present specification.

The credit limit processing equipment provided by the embodiment comprises:

as shown in fig. 12, the credit line processing device may have a relatively large difference due to different configurations or performances, and may include one or more processors 1201 and a memory 1202, where one or more stored applications or data may be stored in the memory 1202. Memory 1202 may be, among other things, transient storage or persistent storage. The application stored in memory 1202 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in the credit line processing device. Still further, the processor 1201 may be configured to communicate with the memory 1202 to execute a series of computer-executable instructions in the memory 1202 on the credit line processing device. The credit line processing equipment can also comprise one or more power supplies 1203, one or more wired or wireless network interfaces 1204, one or more input and output interfaces 1205, one or more keyboards 1206 and the like.

In one embodiment, the credit line processing device comprises a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may comprise one or more modules, and each module may comprise a series of computer-executable instructions for the credit line processing device, and the one or more programs configured to be executed by the one or more processors comprise computer-executable instructions for:

acquiring identity information input by a target user and plot information of a crop plot;

displaying a map page to the target user;

if the marking action input on the map page is detected, determining the plot boundary information corresponding to the marking action;

calculating the marked area of the crop plot based on the plot boundary information;

and determining the credit line of the target user according to the marked area, the parcel information and user data acquired based on the identity information.

correspondingly, the displaying the map page to the target user includes:

and displaying the map page to the target user under the condition of acquiring an application instruction submitted by the target user aiming at the credit granting application control.

Optionally, the computer executable instructions, when executed, further comprise:

storing the identity information, the parcel information and/or the parcel boundary information entered by the target user;

under the condition that a secondary application instruction submitted by the target user aiming at the credit granting application control is detected, judging whether the time span between the submission time of the secondary application instruction and the submission time of the application instruction is larger than a preset time threshold value or not;

if yes, reading the stored identity information, the stored parcel information and/or the parcel boundary information, updating the identity information and the parcel information to the credit granting application page and displaying, and/or updating the coordinate identification corresponding to the parcel boundary information to the map page and displaying.

Optionally, the computer-executable instructions, when executed, further include, after the instructions for presenting the map page to the target user are executed:

acquiring positioning data of the terminal equipment of the target user;

determining coordinate information mapped by the positioning data in the map coordinate to which the map page belongs, and updating a coordinate identifier corresponding to the coordinate information in the map page;

calculating a plot area for the crop plot based on the positioning data;

and determining a second credit line of the target user according to the area of the land parcel, the land parcel information and the user data.

Optionally, when the computer executable instruction is executed, after the obtaining of the identity information entered by the target user after triggering the trust processing channel and the execution of the plot information instruction of the crop plot, the method further includes:

judging whether the area of the land parcel contained in the land parcel information is larger than a preset area threshold value or not;

if yes, the step of displaying the map page to the target user is executed;

if not, acquiring the positioning data of the terminal equipment of the target user;

determining second plot boundary information for the crop plot based on the positioning data;

calculating a second labeled area of the crop plot based on the second plot boundary information;

and determining a third credit line of the target user according to the second marked area and the user data.

Optionally, the calculating the labeled area of the crop plot based on the plot boundary information includes:

determining longitude and latitude coordinate data mapped by the land parcel boundary information;

calculating the marked area of the crop plot by adopting an area calculation formula based on the longitude and latitude coordinate data;

Optionally, the determining the credit line of the target user according to the marked area, the parcel information, and the user data obtained based on the identity information includes:

comparing the marked area with the area of the land parcel contained in the land parcel information;

if the comparison result is that the marked area is smaller than or equal to the area of the land parcel, determining a special credit line according to the marked area and the user data, and using the special credit line as the credit line of the target user;

and if the comparison result shows that the marked area is larger than the area of the land parcel, determining a special credit line according to the area of the land parcel and the user data, and using the special credit line as the credit line of the target user.

Optionally, the determining a special credit line according to the labeled area and the user data as the credit line of the target user includes:

and inputting the marked area and the user data as a model, inputting an amount distribution model to distribute credit lines, and outputting the credit lines distributed to the target user aiming at the crop land blocks as the special credit lines.

and determining a fourth credit line of the target user according to the crop value and the user data.

Optionally, when the computer-executable instruction is executed, after the instruction for determining the credit line granted to the target user is executed according to the labeled area, the parcel information, and the user data obtained based on the identity information, the method further includes:

reading the credit granting state of the target user;

if the credit granting state of the target user is not granted, granting credit to the target user based on the credit granting amount;

if the credit granting state of the target user is the granted credit, adjusting the initial credit granting amount of the target user based on the credit granting amount;

An embodiment of a user resource processing device provided in this specification is as follows:

corresponding to the above-described user resource processing method, based on the same technical concept, one or more embodiments of the present specification further provide a user resource processing device, where the user resource processing device is configured to execute the above-described user resource processing method, and fig. 13 is a schematic structural diagram of the user resource processing device provided in one or more embodiments of the present specification.

The present embodiment provides a user resource processing device, including:

as shown in fig. 13, the user resource processing device may have a relatively large difference due to different configurations or performances, and may include one or more processors 1201 and a memory 1202, where one or more stored applications or data may be stored in the memory 1202. Memory 1202 may be, among other things, transient storage or persistent storage. The application programs stored in memory 1202 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in a user resource processing device. Still further, the processor 1201 may be configured to communicate with the memory 1202 to execute a series of computer-executable instructions in the memory 1202 on the user resource processing device. The user resource processing apparatus may also include one or more power supplies 1203, one or more wired or wireless network interfaces 1204, one or more input-output interfaces 1205, one or more keypads 1206, and the like.

In one particular embodiment, a user resource processing apparatus includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the user resource processing apparatus, and execution of the one or more programs by one or more processors includes computer-executable instructions for:

acquiring plot information of a crop plot input by a target user;

displaying a geographic information page to the target user;

if the marking action input in the geographic information page is detected, determining the plot boundary information corresponding to the marking action;

and performing resource operation processing on the user resources of the target user according to the parcel information, the labeled area and the user data of the target user.

Optionally, the performing, according to the parcel information, the labeled area, and the user data of the target user, resource operation processing on the user resource of the target user includes:

reading the credit granting state of the target user;

An embodiment of a storage medium provided in this specification is as follows:

on the basis of the same technical concept, one or more embodiments of the present specification further provide a storage medium corresponding to the above-described credit line processing method.

The storage medium provided in this embodiment is used to store computer-executable instructions, and when executed, the computer-executable instructions implement the following processes:

displaying a map page to the target user;

correspondingly, the displaying the map page to the target user includes:

Optionally, the computer executable instructions, when executed, further implement the following process:

Optionally, after the process of presenting the map page to the target user is executed, the computer-executable instructions, when executed, further implement the following process:

acquiring positioning data of the terminal equipment of the target user;

calculating a plot area for the crop plot based on the positioning data;

Optionally, after the obtaining of the identity information entered by the target user after triggering the trust processing channel and the execution of the plot information flow of the crop plot, the computer-executable instruction further implements the following flow when executed:

if yes, the step of displaying the map page to the target user is executed;

Optionally, after the procedure of determining the credit line of the target user is executed according to the labeled area, the parcel information, and the user data obtained based on the identity information, the computer-executable instruction further implements the following procedure when executed:

reading the credit granting state of the target user;

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the credit line processing method in this specification are based on the same inventive concept, and therefore, for specific implementation of this embodiment, reference may be made to implementation of the foregoing corresponding method, and repeated details are not described here.

An embodiment of a storage medium provided in this specification is as follows:

on the basis of the same technical concept, one or more embodiments of the present specification further provide a storage medium corresponding to the above-described user resource processing method.

acquiring plot information of a crop plot input by a target user;

displaying a geographic information page to the target user;

reading the credit granting state of the target user;

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the user resource processing method in this specification are based on the same inventive concept, and therefore, for specific implementation of this embodiment, reference may be made to implementation of the foregoing corresponding method, and repeated details are not described here.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

In the 30 s of the 20 th century, improvements in a technology could clearly be distinguished between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: the ARC625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in multiple software and/or hardware when implementing the embodiments of the present description.

One skilled in the art will recognize that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

One or more embodiments of the present description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of this document and is not intended to limit this document. Various modifications and changes may occur to those skilled in the art from this document. Any modifications, equivalents, improvements, etc. which come within the spirit and principle of the disclosure are intended to be included within the scope of the claims of this document.

Claims

1. A credit line processing method comprises the following steps:

acquiring the plot area of the crop plot input by a target user through a credit granting processing channel;

displaying a map page to the target user;

and if the marked area is larger than the area of the land, determining the credit line of the target user according to the area of the land and the application use data.

2. The credit line processing method of claim 1, wherein after the step of obtaining the plot area of the crop plot entered by the target user through the credit processing channel is executed and before the step of displaying the map page to the target user is executed, the method further comprises:

judging whether the area of the land is larger than a preset area threshold value or not;

if yes, the step of displaying the map page to the target user is executed;

if not, determining second block boundary information of the crop block based on the positioning data, and calculating a second marked area of the crop block according to the second block boundary information;

calculating the confidence coefficient of the block area based on the block area and the second labeled area, and updating the credit level of the target user based on the confidence coefficient and the credit data contained in the user data; or determining a third credit line of the target user according to the second marked area and the user data.

3. The credit line processing method of claim 1, wherein the credit processing channel is open to a target user recorded in a preset user list, and the credit processing channel is bound to a target application;

and under the condition that an application processing request of a target user for the target application is detected, a trigger control of the credit granting processing channel is displayed based on an application page of the target application, and the target user triggers the credit granting processing channel by triggering the trigger control.

4. The credit line processing method of claim 3, after detecting that the trigger control is triggered, showing a credit application page of the credit processing channel under the target application to the target user; the credit granting application page is configured with an information input interface and a credit granting application control;

correspondingly, the displaying the map page to the target user includes:

5. The credit line processing method of claim 1, after the step of displaying the map page to the target user is executed, further comprising:

acquiring positioning data of the terminal equipment of the target user;

calculating a plot area for the crop plot based on the positioning data;

and determining a second credit line of the target user according to the land area, the land information and the user data.

6. The credit line processing method of claim 1, further comprising:

7. The credit line processing method of claim 1, wherein after the step of determining the credit line of the target user according to the area of the parcel and the application usage data is executed if the marked area is larger than the area of the parcel, the method further comprises:

reading the credit granting state of the target user;

if the credit granting state is not granted, granting credit to the target user based on the credit granting amount;

if the credit granting state is the granted credit, adjusting the initial credit granting amount of the target user based on the credit granting amount;

and if the credit granting state is that the credit granting is used, generating a performance prompt based on contract information recorded in the crop operation contract signed by the target user and sending the performance prompt to the target user.

8. A credit line processing method comprises the following steps:

determining plot boundary information of the crop plot based on the positioning data, and calculating the marked area of the crop plot according to the plot boundary information;

calculating the confidence coefficient of the land area based on the land area and the labeled area;

and updating the credit level of the target user based on the confidence level and credit data contained in user data when the confidence level is greater than a preset confidence level threshold value.

9. The credit line processing method of claim 8, wherein the credit processing channel is open to a target user recorded in a preset user list, and the credit processing channel is bound to a target application;

10. The credit line processing method of claim 8, further comprising:

and determining the credit line of the target user according to the crop value and the user data.

11. A credit line processing method comprises the following steps:

acquiring plot information of a crop plot, which is input by a grower after a credit granting processing channel is triggered on a project page of a farming loan item;

displaying a map page to the grower;

if the marking action input by the grower on the map page is detected, determining the plot boundary information corresponding to the marking action, and calculating the marking area of the crop plot based on the plot boundary information;

and if the marked area is smaller than or equal to the area of the land parcel contained in the land parcel information, determining a special credit line according to the marked area and the user data of the planting house.

12. The credit line processing method of claim 11, further comprising:

and if the marked area is larger than the area of the land parcel, determining a second special credit line according to the area of the land parcel and the user data.

13. The credit line processing method of claim 11, wherein after the step of determining the special credit line according to the marked area and the user data of the planting user is executed if the marked area is smaller than or equal to the area of the plot included in the plot information, the method further comprises:

reading the credit granting state of the planting households;

if the credit granting state is not granted, the plant user is granted based on the special credit granting amount;

if the credit status is the credit, adjusting the initial credit line of the planting user based on the special credit line;

and if the credit granting state is used for granting credit, generating a performance prompt based on contract information recorded in the agriculture-assisted operation loan contract of the agriculture-assisted loan money signed by the grower, and sending the performance prompt to the grower.

14. A user resource processing method comprises the following steps:

acquiring plot information of a crop plot, which is input by a grower after a project page of a guarantee project triggers a credit granting processing channel, and displaying a map page to the grower;

if the marked area is smaller than or equal to the area of the land block contained in the land block information, inputting the boundary information of the land block and the corresponding time information into a crop identification model for crop type identification to obtain a crop type;

and determining the guarantee amount of the grower according to the crop value and the user data of the grower.

15. The user resource processing method of claim 14, after the step of determining the guaranteed quota of the grower based on the crop value and the user data of the grower is performed, further comprising:

recommending guarantee items to the grower based on the guarantee amount, or recommending guarantee items to the grower based on the crop type and/or the crop value.

16. A credit limit processing device comprises:

the information acquisition module is configured to acquire the identity information input by the target user through the credit granting processing channel and the plot area of the crop plot;

a map page presentation module configured to present a map page to the target user;

the map page comprises a map block boundary information determining module, a map block boundary information determining module and a map data processing module, wherein the map block boundary information determining module is configured to determine map block boundary information corresponding to a marking action if the marking action input in the map page is detected;

a marked area calculation module configured to calculate a marked area of the crop plot based on the plot boundary information;

and the credit line determining module is configured to determine the credit line of the target user according to the area of the land and the application use data if the marked area is larger than the area of the land.

17. A credit limit processing device, comprising:

a processor; and the number of the first and second groups,

a memory configured to store computer-executable instructions that, when executed, cause the processor to:

acquiring identity information input by a target user through a credit granting processing channel and the plot area of a crop plot;

displaying a map page to the target user;

18. A storage medium storing computer-executable instructions that when executed implement the following:

displaying a map page to the target user;