CN116012085B - Automatic identification and recovery system for electronic card - Google Patents
Automatic identification and recovery system for electronic card Download PDFInfo
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- Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
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Abstract
The invention discloses an automatic identification and recovery system for electronic cards, which comprises a main control module, an intelligent image identification module, a batch acceleration module, a card analysis module, a credit system module and a card recovery module, wherein the main control module controls the operation of other modules, the intelligent image identification module identifies the two-dimensional code of the electronic card to acquire electronic card information, and the batch acceleration module carries out the acceleration identification of the electronic card of a user.
Description
Technical Field
The invention relates to the technical field of electronic card recycling, in particular to an automatic electronic card identifying and recycling system.
Background
The existing card products mainly depend on a member equity system, the issuer makes relevant corresponding equity and distributes the equity to own application or cooperation channels, and the electronic card is used under the appointed condition after being picked up by a user, and compared with the traditional card products, the electronic card has the greatest advantages that no actual body exists, is stored in the electronic products such as mobile phones and the like, is used by carrying information through two-dimension codes and verifying, is more convenient to use, and is more convenient to manufacture and manage;
however, the current electronic card circulation and recovery support is less, the card verification and recovery difficulty is high, the price of the card recovery market is also chaotic, the credit of sellers and buyers cannot be screened, and the electronic card recovery development is slow.
Disclosure of Invention
The invention provides an automatic identification and recovery system for electronic cards, which can effectively solve the problems that the prior art has few support for circulation and recovery of the electronic cards, the verification and recovery difficulty of the cards is high, the price of the card recovery market is also relatively chaotic, the credit of sellers and buyers cannot be screened, and the recovery development of the electronic cards is slow.
In order to achieve the above purpose, the present invention provides the following technical solutions: an automatic identification and recovery system for electronic coupons comprises a main control module, an intelligent image identification module, a batch acceleration module, a coupon analysis module, a credit system module and a coupon recovery module;
the intelligent image recognition module is used for recognizing two-dimension codes of electronic cards, acquiring electronic card information, the batch acceleration module is used for recognizing the electronic card acceleration of a user, the card analysis module is used for classifying and analyzing the recognized cards, the credit system module is used for checking the credit of the user, credit integration is carried out on the user after transaction, and the card recycling module is used for recycling the cards according to recycling rules;
the intelligent image recognition module comprises a collection unit, a recognition unit and a display unit;
the acquisition unit acquires two-dimensional codes and electronic card images of the electronic card, the identification unit identifies the two-dimensional codes and the image information of the electronic card, and the display unit displays the identified electronic card information;
the electronic card information identified by the identification unit comprises an issuer, an original user, a real purchase price, a card denomination, a card balance, a card discount, an issue date and an expiration date;
the coupon denominations include principal denominations and gifting denominations;
the card analysis module comprises a classification unit and an analysis unit;
the classifying unit classifies the cards according to the card information, and the analyzing unit calculates the recovery price of the cards according to the identified electronic card information;
the credit system module comprises a credit identification unit and a credit integration unit;
the credit identification unit identifies the credit of the user of the electronic card, and the credit point unit carries out credit point on the user after recycling the electronic card;
user credits include issuer, original user and selling user credits.
According to the technical scheme, the calculation formula of the card recycling price Y is as follows:
wherein W is the actual purchase price;
h1 is the actual denomination;
h2 is the balance;
t1 is the release date;
t2 is the current date;
t3 is the expiration date;
the credit point unit points the object as the original user, the selling user and the purchasing user, and the point rule is as follows:
successful transaction is carried out once for +1, violation is carried out once for-1 in the transaction, and the rest conditions are recorded as 0;
the credit of the issuer records a value A1, the issuer only records the violation condition, the violation is recorded as minus 1 score once, and the violation is accumulated in sequence;
the calculation formula of the original user credit record value A2 is as follows:
wherein a is 2 Recovering the transaction times for the original user;
b 2 the number of successful transactions for the original user;
c 2 transaction violation times for the original user;
the calculation formula of the credit value A3 of the selling user is as follows:
wherein a is 3 The number of transactions for the selling user;
b 3 the number of successful transactions for the selling user;
c 3 transaction violation records for the selling user;
the calculation formula of the comprehensive credit value F is as follows:
buyer credit value A4: according to the transaction condition, the system scores with the score of 0-1;
the credit record value A2 of the original user, the credit value A3 of the selling user and the credit value A4 of the buyer for the first time are all 0, and the comprehensive credit value F takes 0.5;
dividing different credit grades according to the comprehensive credit value F and the buyer credit value A4, and displaying the credit grades during transaction;
the credit rating is as follows:
credit excellent user: 0.8< credit value;
general users: credit value is more than or equal to 0.5 and less than or equal to 0.8;
high risk users: credit value < 0.5.
According to the technical scheme, the batch acceleration module comprises an information confirmation unit and a batch acceleration unit;
the information confirming unit confirms the user information for identifying the electronic card, and after confirming the user information to be consistent with the information of the actual electronic card, the batch accelerating unit carries out batch accelerating identification on other electronic cards of the user.
According to the technical scheme, the card recycling module comprises a recycling setting unit, a matching analysis unit and a recycling unit;
the recovery setting unit sets recovery conditions and recovery prices, the matching analysis unit matches the buyers and sellers according to the recovery prices and the credit, and the recovery unit generates a recovery inlet to recover the electronic card;
the matching analysis unit matches the buyer and the seller and comprises system matching and self-setting condition matching;
the system matches the two screened transaction parties, sorts the transaction parties according to the price from high to low, sorts the transaction parties according to the credit from high to low, and selects the final transaction party according to the sorting;
the default setting of the system is that the credit grades of both recovery parties are: general users, very good users of credit;
the system defaults to set the recovery price intervals of both recovery parties as follows: [ Y-10% Y, Y+10% (H2-Y) ];
the self-setting conditions are matched, and the credit level and the recovery price are required to be set;
wherein, the self-set credit rating comprises a credit excellent user, a general user and a high risk user;
the recovery price interval of self-setting is: [ Y-50% Y, Y+ (H2-Y) ].
Compared with the prior art, the invention has the beneficial effects that:
1. through setting up classification unit and analysis unit, discern and classify the electronic card earlier, then according to the card basic information of discernment, analyze the card, according to the data such as the expiration date, denomination of electronic card, calculate the card and retrieve the price, as the reference price of card trade, synthesized the basic information of card, can regard as the reference standard of price when trading for both sides of buyer, the price is more public transparent when making the trade, makes the electronic card can rationally retrieve.
2. The credit identifying unit and the credit integrating unit are arranged to identify the data of the user transaction, integrate the user credit after the user transaction, calculate the comprehensive credit value from the credit of the original user and the selling user when the issuer of the electronic card starts, evaluate the credit of the buyer through the system and divide the credit grade according to the credit value, thereby ensuring the security of the card recycling transaction.
3. The price interval and the credit condition are set by the matching analysis unit, the buying user is matched with the buying user according to the credit and the price interval of the buying user, and the buying user is matched with the buying user according to the credit and the price interval of the selling user, so that the trading party suitable for recycling the electronic card of the user is screened, the buying and selling parties of recycling the electronic card can be accurately paired, and more screening time is saved.
In summary, through identifying the card information, calculating the card recovery price, analyzing the credit value of the user, screening sellers for buyers and buyers for sellers according to the set price interval and the credit value, screening the transaction parties suitable for the recovery of the electronic card of the user, saving more screening time, and enabling the identification and recovery effects of the electronic card to be better.
Drawings
The accompanying drawings are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate the invention and together with the embodiments of the invention, serve to explain the invention. In the drawings:
FIG. 1 is a schematic diagram of the system architecture of the present invention;
FIG. 2 is a schematic diagram of transaction user matching in embodiment 1 of the present invention;
FIG. 3 is a schematic diagram of transaction user matching in embodiment 2 of the present invention;
FIG. 4 is a schematic diagram of transaction user matching in embodiment 3 of the present invention;
fig. 5 is a flowchart of the recycling of electronic coupons of the present invention.
Detailed Description
The preferred embodiments of the present invention will be described below with reference to the accompanying drawings, it being understood that the preferred embodiments described herein are for illustration and explanation of the present invention only, and are not intended to limit the present invention.
Example 1:
1-2 and 5, the invention provides a technical scheme, namely an automatic electronic card identifying and recycling system, which comprises a main control module, an intelligent image identifying module, a batch accelerating module, a card analyzing module, a credit system module and a card recycling module;
the intelligent image recognition module is used for recognizing the two-dimensional code of the electronic card, acquiring the information of the electronic card, the batch acceleration module is used for recognizing the acceleration of the electronic card of the user, the card analysis module is used for classifying and analyzing the recognized card, the credit system module is used for checking the credit of the user, the credit is integrated after the transaction, and the card recycling module is used for recycling the card according to the recycling rule;
the card analysis module comprises a classification unit and an analysis unit;
the classifying unit classifies the cards according to the card information, and the analyzing unit calculates the recovery price of the cards according to the identified electronic card information;
the actual purchase price W is 280;
the actual denomination H1 is 300;
balance H2 is 300;
release date T1 is 2022.1.1;
the current date T2 is 2022.2.20;
expiration date T3 is 2022.12.31;
the calculation of the coupon recycling price Y is:
the credit system module comprises a credit identification unit and a credit integration unit;
the credit identification unit identifies the credit of the user of the electronic card, and the credit point unit carries out credit point on the user after recycling the electronic card;
user credits include issuer, original user and selling user credits;
the credit point unit points the object as the original user, the selling user and the purchasing user, and the point rule is as follows:
successful transaction is carried out once for +1, violation is carried out once for-1 in the transaction, and the rest conditions are recorded as 0;
the issuer credit record value A1 is 1 minute;
the original user recovers the transaction times a 2 Is 2;
number of successful transactions b of original user 2 Is 2;
original user transactionNumber of violations c 2 Is 0;
the original user credit record value A2 is calculated as:
number of sales user transactions a 3 4;
number of successful transactions b by the selling user 3 3;
sales user transaction violation record c 3 Is 0;
the calculation of the sales user credit value A3 is:
the calculation of the comprehensive credit value F is:
buyer credit value A4: according to the trade condition, the system scores, and in the scoring standard with the score of 0-1, the final score of the system is 0.85;
according to the following credit rating:
credit excellent user: 0.8< credit value;
general users: credit value is more than or equal to 0.5 and less than or equal to 0.8;
high risk users: credit value <0.5;
it can be derived that:
the comprehensive credit value F is 0.875, which belongs to a credit excellent user;
the credit value A4 of the buyer is 0.85, which belongs to the excellent credit user;
the credit rating is displayed at the time of the transaction.
The intelligent image recognition module comprises a collection unit, a recognition unit and a display unit;
the acquisition unit acquires the two-dimensional code and the electronic card image of the electronic card, the identification unit identifies the two-dimensional code and the image information of the electronic card, and the display unit displays the identified electronic card information;
the electronic card information identified by the identification unit comprises an issuer, an original user, a real purchase price, a card denomination, a card balance, a card discount, an issue date and an expiration date;
the coupon denominations include principal denominations and gifted denominations.
The batch acceleration module comprises an information confirmation unit and a batch acceleration unit;
the information confirming unit confirms the user information for identifying the electronic card, and after confirming the user information to be consistent with the information of the actual electronic card, the batch accelerating unit carries out batch accelerating identification on other electronic cards of the user.
The card recycling module comprises a recycling setting unit, a matching analysis unit and a recycling unit;
the recovery setting unit sets recovery conditions and recovery prices, the matching analysis unit matches the buyers and sellers according to the recovery prices and the credit, and the recovery unit generates a recovery inlet to recover the electronic card;
the default setting of the system is that the credit grades of both recovery parties are: general users, very good users of credit;
the system defaults to set the recovery price intervals of both recovery parties as follows: [ Y-10% Y, Y+10% (H2-Y) ];
the system matches purchasing user m for selling user n based on credit and recovery price 1 、m 2 ...m i Matching selling user n for purchasing user m 1 、n 2 …n j And ordering the screened transaction parties according to the price from high to low and ordering the selected transaction parties according to the credit from high to low.
Example 2:
as shown in fig. 3, the coupon analysis module includes a classification unit and an analysis unit;
the classifying unit classifies the cards according to the card information, and the analyzing unit calculates the recovery price of the cards according to the identified electronic card information;
the actual purchase price W is 260;
the actual denomination H1 is 260;
balance H2 is 260;
the electronic card is not limited to date use;
the calculation formula of the coupon recycling price Y is as follows:
the credit system module comprises a credit identification unit and a credit integration unit;
the credit identification unit identifies the credit of the user of the electronic card, and the credit point unit carries out credit point on the user after recycling the electronic card;
user credits include issuer, original user and selling user credits;
the credit point unit points the object as the original user, the selling user and the purchasing user, and the point rule is as follows:
successful transaction is carried out once for +1, violation is carried out once for-1 in the transaction, and the rest conditions are recorded as 0;
the issuer has a bad record, and the credit record value A1 of the issuer is-1 score;
the original user recovers the transaction times a 2 5;
number of successful transactions b of original user 2 4;
number of violation times of original user transaction c 2 Is 0;
the original user credit record value A2 is calculated as:
number of sales user transactions a 3 3;
number of successful transactions b by the selling user 3 3;
sales user transaction violation record c 3 Is 0;
the calculation of the sales user credit value A3 is:
the calculation of the comprehensive credit value F is:
buyer credit value A4: according to the trade condition, the system scores, and in the scoring standard with the score of 0-1, the final score of the system is 0.45;
according to the following credit rating:
credit excellent user: 0.8< credit value;
general users: credit value is more than or equal to 0.5 and less than or equal to 0.8;
high risk users: credit value <0.5;
it can be derived that:
the comprehensive credit value F is 0.79, and belongs to general users;
the buyer credit value A4 is 0.45, belonging to high risk users;
the credit rating is displayed at the time of the transaction.
The card recycling module comprises a recycling setting unit, a matching analysis unit and a recycling unit;
the recovery setting unit sets recovery conditions and recovery prices, the matching analysis unit matches the buyers and sellers according to the recovery prices and the credit, and the recovery unit generates a recovery inlet to recover the electronic card;
the self-setting conditions are matched, and the credit level and the recovery price are required to be set;
the self-set credit level is a general user and a high-risk user;
the recovery price interval of self-setting is: [ Y-50% Y, Y+30% (H2-Y) ];
the system matches purchasing user m for selling user n based on credit and recovery price 1 、m 2 ...m i+2 Matching selling user n for purchasing user m 1 、n 2 …n j+5 And ordering the screened transaction parties according to the price from high to low and ordering the selected transaction parties according to the credit from high to low.
Example 3:
as shown in fig. 4, the coupon analysis module includes a classification unit and an analysis unit;
the classifying unit classifies the cards according to the card information, and the analyzing unit calculates the recovery price of the cards according to the identified electronic card information;
the actual purchase price W is 300;
the actual denomination H1 is 300;
balance H2 is 200;
release date T1 is 2022.1.1;
the current date T2 is 2022.2.20;
expiration date T3 is 2022.6.30;
the calculation of the coupon recycling price Y is:
the credit system module comprises a credit identification unit and a credit integration unit;
the credit identification unit identifies the credit of the user of the electronic card, and the credit point unit carries out credit point on the user after recycling the electronic card;
user credits include issuer, original user and selling user credits;
the credit point unit points the object as the original user, the selling user and the purchasing user, and the point rule is as follows:
successful transaction is carried out once for +1, violation is carried out once for-1 in the transaction, and the rest conditions are recorded as 0;
issuer credit record value A1 is 0 points;
the credit record value A2 of the original user, the credit value A3 of the selling user and the credit value A4 of the buyer for the first time are all 0, and the comprehensive credit value F takes 0.5;
buyer credit value A4: according to the trade condition, the system scores, and in the scoring standard with the score of 0-1, the final score of the system is 0.5;
according to the following credit rating:
credit excellent user: 0.8< credit value;
general users: credit value is more than or equal to 0.5 and less than or equal to 0.8;
high risk users: credit value <0.5;
it can be derived that:
the comprehensive credit value F is 0.5, and belongs to general users;
the credit value A4 of the buyer is 0.5, and belongs to the general user;
the credit rating is displayed at the time of the transaction.
The card recycling module comprises a recycling setting unit, a matching analysis unit and a recycling unit;
the recovery setting unit sets recovery conditions and recovery prices, the matching analysis unit matches the buyers and sellers according to the recovery prices and the credit, and the recovery unit generates a recovery inlet to recover the electronic card;
the self-setting conditions are matched, and the credit level and the recovery price are required to be set;
wherein, the self-set credit grade is a general user;
the recovery price interval of self-setting is: [ Y-20% Y, Y+50% (H2-Y) ];
the system matches purchasing user m for selling user n based on credit and recovery price 1 、m 2 ...m i+8 Matching selling user n for purchasing user m 1 、n 2 …n j+7 And ordering the screened transaction parties according to the price from high to low and ordering the selected transaction parties according to the credit from high to low.
According to the statistics of examples 1-3 on the coupon recycling data, the following table was prepared
By comparing the table data, it can be seen that embodiments 1-3 all meet the requirements of identifying the information of the card and recovering the card, wherein the identification and recovery effect of embodiment 1 is best, the electronic card is identified, the information of the electronic card is collected, the recovery price of the electronic card and the credit value of the user are calculated, and the buyer and the seller are screened, so that the transaction party is determined, and the recovery of the electronic card is ensured;
through identifying the actual purchase price, the actual denomination, the balance and the validity period information in the electronic card information, calculating the card recovery price, setting a recovery price interval according to the card recovery price, providing price reference for recovering the electronic card, facilitating the both parties of the buyer and the seller to know the recovery price and facilitating the recovery of the electronic card;
through the system to card issuer, former user and selling user to electronic card selling side's credit condition know and calculate, retrieve the credit of buyer to the card and evaluate, match according to the price and the credit condition of buyer and seller at last, screen suitable user, can be accurate pair to the buyer and seller of electronic card recovery, save more screening time.
Finally, it should be noted that: the foregoing is merely a preferred example of the present invention, and the present invention is not limited thereto, but it is to be understood that modifications and equivalents of some of the technical features described in the foregoing embodiments may be made by those skilled in the art, although the present invention has been described in detail with reference to the foregoing embodiments. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (2)
1. An automatic identification and recovery system for electronic cards is characterized in that: the intelligent card system comprises a main control module, an intelligent image recognition module, a batch acceleration module, a card ticket analysis module, a credit system module and a card ticket recycling module;
the intelligent image recognition module is used for recognizing two-dimension codes of electronic cards, acquiring electronic card information, the batch acceleration module is used for recognizing the electronic card acceleration of a user, the card analysis module is used for classifying and analyzing the recognized cards, the credit system module is used for checking the credit of the user, credit integration is carried out on the user after transaction, and the card recycling module is used for recycling the cards according to recycling rules;
the intelligent image recognition module comprises a collection unit, a recognition unit and a display unit;
the acquisition unit acquires two-dimensional codes and electronic card images of the electronic card, the identification unit identifies the two-dimensional codes and the image information of the electronic card, and the display unit displays the identified electronic card information;
the electronic card information identified by the identification unit comprises an issuer, an original user, a real purchase price, a card denomination, a card balance, a card discount, an issue date and an expiration date;
the coupon denominations include principal denominations and gifting denominations;
the card analysis module comprises a classification unit and an analysis unit;
the classifying unit classifies the cards according to the card information, and the analyzing unit calculates the recovery price of the cards according to the identified electronic card information;
the credit system module comprises a credit identification unit and a credit integration unit;
the credit identification unit identifies the credit of the user of the electronic card, and the credit point unit carries out credit point on the user after recycling the electronic card;
user credits include issuer, original user and selling user credits;
the calculation formula of the coupon recycling price Y is as follows:
wherein W is the actual purchase price;
h1 is the actual denomination;
h2 is the balance;
t1 is the release date;
t2 is the current date;
t3 is the expiration date;
the credit point unit points the object as the original user, the selling user and the purchasing user, and the point rule is as follows:
successful transaction is carried out once for +1, violation is carried out once for-1 in the transaction, and the rest conditions are recorded as 0;
the credit of the issuer records a value A1, the issuer only records the violation condition, the violation is recorded as minus 1 score once, and the violation is accumulated in sequence;
the calculation formula of the original user credit record value A2 is as follows:
wherein a is 2 Recovering the transaction times for the original user;
b 2 the number of successful transactions for the original user;
c 2 transaction violation times for the original user;
the calculation formula of the credit value A3 of the selling user is as follows:
wherein a is 3 The number of transactions for the selling user;
b 3 the number of successful transactions for the selling user;
c 3 transaction violation records for the selling user;
the calculation formula of the comprehensive credit value F is as follows:
buyer credit value A4: according to the transaction condition, the system scores with the score of 0-1;
the credit record value A2 of the original user, the credit value A3 of the selling user and the credit value A4 of the buyer for the first time are all 0, and the comprehensive credit value F takes 0.5;
dividing different credit grades according to the comprehensive credit value F and the buyer credit value A4, and displaying the credit grades during transaction;
the credit rating is as follows:
credit excellent user: 0.8< credit value;
general users: credit value is more than or equal to 0.5 and less than or equal to 0.8;
high risk users: credit value <0.5;
the card recycling module comprises a recycling setting unit, a matching analysis unit and a recycling unit;
the recovery setting unit sets recovery conditions and recovery prices, the matching analysis unit matches the buyers and sellers according to the recovery prices and the credit, and the recovery unit generates a recovery inlet to recover the electronic card;
the matching analysis unit matches the buyer and the seller and comprises system matching and self-setting condition matching;
the system matches the two screened transaction parties, sorts the transaction parties according to the price from high to low, sorts the transaction parties according to the credit from high to low, and selects the final transaction party according to the sorting;
the default setting of the system is that the credit grades of both recovery parties are: general users, very good users of credit;
the system defaults to set the recovery price intervals of both recovery parties as follows: [ Y-10% Y, Y+10% (H2-Y) ];
the self-setting conditions are matched, and the credit level and the recovery price are required to be set;
wherein, the self-set credit rating comprises a credit excellent user, a general user and a high risk user;
the recovery price interval of self-setting is: [ Y-50% Y, Y+ (H2-Y) ].
2. The automatic electronic card recognition and recovery system according to claim 1, wherein the batch acceleration module comprises an information confirmation unit and a batch acceleration unit;
the information confirming unit confirms the user information for identifying the electronic card, and after confirming the user information to be consistent with the information of the actual electronic card, the batch accelerating unit carries out batch accelerating identification on other electronic cards of the user.
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