為了使本技術領域的人員更好地理解本說明書一個或多個實施例中的技術方案，下面將結合本說明書一個或多個實施例中的附圖，對本說明書一個或多個實施例中的技術方案進行清楚、完整地描述，顯然，所描述的實施例僅僅是本說明書的一部分實施例，而不是全部的實施例。基於本說明書一個或多個實施例，本領域普通技術人員在沒有做出創造性勞動前提下所獲得的所有其他實施例，都應當屬於本說明書的保護範圍。
本說明書提供的一種授信額度處理方法實施例：
參照圖1，其示出了本實施例提供的一種授信額度處理方法處理流程圖，參照圖2，其示出了本實施例提供的一種授信申請頁面的示意圖，參照圖3，其示出了本實施例提供的一種地塊管理頁面的示意圖，參照圖4，其示出了本實施例提供的第一種地圖頁面的示意圖，參照圖5，其示出了本實施例提供的第二種地圖頁面的示意圖，參照圖6，其示出了本實施例提供的一種應用於助農貸款專案場景的授信額度處理方法處理流程圖。
參見圖1，本實施例提供的授信額度處理方法，包括步驟S102至步驟S110。
步驟S102，獲取目標用戶登錄的身份資訊，以及作物地塊的地塊資訊。
實際應用中，對於農業領域、林業領域或者水產種植領域的傳統種植大戶，其收入主要依賴生產種植活動，取決於作物種植面積以及作物種類，同時，由於這部分用戶(種植戶)進行線上支付的活躍度本身也比較低，因此在進行經營貸款、資產評估、合約簽署、徵信分析等活動時，很難獲得較大的額度。
本實施例提供的授信額度處理方法，針對部分在作物種植大戶清單中的目標用戶，結合具體的線上應用或者線上服務，為這部分目標用戶開通專屬的授信處理通道，使目標用戶能夠通過“自證”的方式對作物地塊進行資訊登錄和標注，具體的，目標用戶可通過授信處理通道登錄身份資訊和作物地塊的地塊資訊，並且，通過授信處理通道提供的在地圖頁面進行作物地塊標注的標注服務，能夠提升作物地塊標注的精準度；進一步，在對作物地塊進行標注的基礎上，結合地塊標注後計算出的地塊面積、用戶登錄的地塊資訊以及目標用戶的用戶資料進行授信評估，為用戶分配更加合理的授信額度，以使目標用戶能夠獲得更加符合自身實際資產狀況的授信額度，並且，提供的授信額度能夠為目標用戶的基礎生產經營提供便利，進而促進目標用戶的生產經營效率的提升。
本實施例所述目標用戶，是指記錄在預設用戶清單(比如，種植大戶清單)中的用戶，具體的，可將擁有或承包大額土地(如大於10畝)並以此為主要經濟來源的種植戶定義為種植大戶列入種植大戶清單。該種植大戶清單可由第三方機構提供，也可在對種植戶進行線下地調後確定該種植大戶清單，還可通過種植戶申請，基於審核通過的申請對應的種植戶生成該種植大戶清單，對此不做限定。所述身份資訊，是指與目標用戶的身份相關的資訊，比如種植戶的姓名、身份證號和聯繫方式。
所述作物地塊，是指用於種植農作物、林業作物、水生作物等地表生長作物的土地、水田或者海水種植區域。所述地塊資訊，包括作物地塊的地塊面積，比如以畝為度量單位的地塊面積數值。除此之外，目標用戶登錄的地塊資訊，還可以是作物地塊所種植的作物種類、作物地塊所處的地塊座標資訊以及時間資訊等。
需要說明的是，本實施例針對預設用戶清單中的目標用戶開放授信處理通道，所述授信處理通道與目標應用綁定，並且目標用戶的身份資訊和地塊資訊是在目標用戶觸發授信處理通道之後登錄，換言之，預設用戶清單中的目標用戶，能夠通過目標應用綁定的授信處理通道進行資訊登錄和授信額度處理，比如在目標應用的使用過程中通過登錄資訊來進行授信額度的提額處理；具體的，本實施例提供的一種可選實施方式中，在檢測到目標用戶針對目標應用的應用處理請求的情況下，基於目標應用的應用頁面展示授信處理通道的觸發控制項，目標用戶通過觸發所述觸發控制項來觸發所述授信處理通道。
其中，授信是指銀行、支付平臺等機構向用戶直接提供的資金，或對用戶在有關活動中可能產生的賠償、支付責任做出的保證，授信既可以針對貸款、票據抵押、透支、各項墊款等表內服務，還可以針對票據承兌、開信用證、保函等表外服務。授信額度，是指銀行、支付平臺等機構為用戶核定的短期授信業務的存量管理指標。
例如，支付平臺中的貸款應用綁定了授信額度提升通道，種植大戶清單中的種植戶在該貸款應用申請貸款的過程中，貸款額度需要參考種植戶的授信額度來確定，具體而言，種植大戶清單中的種植戶A在使用貸款應用進行貸款的過程中，貸款應用的應用頁面設置有為種植戶進行提額處理的提額控制項；種植戶A可通過點擊貸款應用的應用頁面設置的提額控制項來觸發授信額度提升通道，從而通過授信額度提升通道進行授信額度的提額處理。
在對用戶進行授信並賦予用戶相應授信額度的基礎上，為了扶持或者幫助用戶的種植生產經營活動，以用戶的信用為擔保或者抵押向用戶提供相應的資源，以此來保障用戶的種植生產經營活動能夠維持，具體的，本實施例通過向用戶提供信用擔保或者抵押貸款的方式來使用戶的種植生產經營活動能夠正常進行，具體是通過與用戶簽訂作物經營合約的方式為用戶提供相應的資源扶持或者資金幫助，作物經營合約是指用戶基於自身的授信額度與資源提供方簽訂的合約，並且簽訂該作物經營合約之後獲得的資源被約定用於種植生產經營活動。
具體的，簽訂所述作物經營合約的用戶可以從貸款提供機構獲得相應資金，除此之外，簽訂所述作物經營合約的用戶還可以從設備提供機構獲得種植生產經營活動中所需種植生產設備，或者，簽訂所述作物經營合約的用戶還可以從原料提供機構獲得種植生產經營活動中所需種植原料，對此不做限定。
本實施例提供的一種可選實施方式中，作物經營合約具體採用如下方式進行簽訂：
獲取所述用戶通過觸發目標應用的合約申請頁面配置的申請控制項提交的申請請求；
判斷所述申請請求中包含的申請數額是否小於或者等於所述授信額度；
若是，基於所述申請數額和所述用戶提交的所述作物地塊的地塊資訊，以所述用戶為合約參與方簽訂所述作物經營合約；
若否，表明所述用戶申請的額度超出該用戶的授信額度，向所述用戶發送申請的額度超出所述授信額度的提醒即可。
例如，支付平臺中的貸款應用向種植戶A開放申請助農貸款功能，種植戶A可通過該貸款應用申請進行種植生產經營活動的貸款，具體申請過程中，輸入相應的貸款申請額度，並通過觸發貸款應用的申請頁面配置的申請控制項來提交貸款請求，在獲取到種植戶A提交的貸款請求之後，基於貸款請求中攜帶的種植戶A的貸款申請額度，判斷種植戶A提交的貸款申請額度是否大於種植戶A的授信額度(假設為10000元)；如果種植戶A提交的貸款申請額度小於10000元，則以種植戶A為借款方、資金提供方為借出方簽訂助農經營貸款合約，同時，在助農經營貸款合約中記錄種植戶A的作為地塊的作物種類、作物地塊所處的地塊座標資訊以及時間資訊等地塊資訊。
如上所述，所述用戶在種植生產經營活動中獲得資源扶持的前提，是以所述用戶的信用為擔保或者抵押，並在所述用戶的授信額度中扣除或者凍結相應的額度部分；可選的，本實施例所述合約資訊中包含所述作物經營合約的合約額度，所述用戶在基於所述授信額度簽訂所述作物經營合約之後，簽訂所述作物經營合約所使用的所述授信額度中所述合約額度對應的已用子額度被凍結；相應的，所述已用子額度在所述用戶履行所述作物經營合約中記錄的履約條款之後被恢復。
例如，種植戶A的授信額度為10000元，如果種植戶A申請6000元以供種植使用，則在簽訂作物經營合約之後10000元授信額度中的6000元被凍結；相應的，如果種植戶A償還了6000元中的部分或者全部，則相應的會在被凍結的授信額度中解凍償還的部分。
進一步，在檢測到授信處理通道的觸發控制項被觸發之後，向目標用戶展示目標應用下授信處理通道的授信申請頁面；其中，所述授信申請頁面配置有資訊登錄介面和授信申請控制項；所述身份資訊和所述地塊資訊基於所述資訊登錄介面進行登錄。相應的，下述步驟S104向目標用戶展示地圖頁面，在獲取到目標用戶針對所述授信申請控制項提交的申請指令的情況下，向目標用戶展示所述地圖頁面。
沿用上例，在檢測到貸款應用的應用頁面設置的提額控制項被種植戶A觸發之後，則在貸款應用中向種植戶A展示進行授信額度提額處理的申請頁面，如圖2所示，該申請頁面配置有資訊輸入視窗201和申請按鈕202，種植戶A可通過資訊輸入視窗201輸入姓名、身份證、手機號和即將登錄的作物地塊的地塊面積。
更進一步，所述授信申請頁面配置有地塊管理控制項，若檢測到所述地塊管理控制項被觸發，則查詢所述目標用戶的作物地塊並基於地塊管理頁面進行展示；在所述地塊管理頁面配置的返回控制項被觸發的情況下，返回所述授信申請頁面。
仍以支付平臺中的貸款應用為例，如圖2所示，申請頁面還配置有地塊添加按鈕203，若該地塊添加按鈕203被種植戶A觸發，則進入圖3所示的地塊管理頁面，該地塊管理頁面顯示有種植戶A已添加的5個作物地塊：地塊1為種植小麥的作物地塊，地塊2為種植馬鈴薯的作物地塊，地塊3為種植玉米的作物地塊，地塊4為種植水稻的作物地塊，地塊5為種植大豆的作物地塊；如果種植戶A想要在該地塊管理頁面繼續添加作物地塊，則點擊添加地塊按鈕301進行添加即可，具體的，添加地塊按鈕301被點擊之後，進入圖4所示的地圖頁面；如果種植戶A完成作物地塊的添加，則可通過點擊返回申請按鈕302返回圖2所示的申請頁面。
實際應用中，目標用戶攜帶的終端設備螢幕尺寸往往有限，並且終端設備上顯示的地圖頁面的地圖精度也存在一定的限制，在這種情況下，如果目標用戶的作物地塊的面積很小，很難在地圖頁面上標注出相應的作物地塊，或者標注出的作物地塊的面積非常小，導致作物地塊的標注準確度較低，本實施例提供的一種可選實施方式中，為了提升目標用戶在地圖頁面的標注體驗，以及提升目標用戶進行作物地塊標注的準確度，通過判斷所述地塊資訊中包含的地塊面積是否大於預設面積閾值，來決定是否採用地圖頁面標注的方式進行作物地塊添加，若所述地塊資訊中包含的地塊面積大於預設面積閾值，則執行下述步驟S104，向目標用戶展示地圖頁面；
另一方面，若所述地塊資訊中包含的地塊面積小於或者等於預設面積閾值，則借助目標用戶的終端設備進行作物地塊添加，具體的，首先獲取目標用戶的終端設備的定位資料，然後基於所述定位資料確定所述作物地塊的第二地塊邊界資訊；其次基於所述第二地塊邊界資訊計算所述作物地塊的第二標注面積；最後根據所述第二標注面積和所述用戶資料，確定所述目標用戶的第三授信額度。所述用戶資料，包括目標用戶在各類維度下的資料，比如，種植戶在信用維度的徵信數據，在資產維度的資產資料，在應用維度的應用使用資料。
例如，種植戶B在圖2所示的申請頁面輸入的作物地塊的地塊面積為4.8畝，小於預先設置的採用地圖頁面標注方式進行作物地塊標注的面積閾值8畝，在這種情況下，以種植戶B攜帶的移動終端的GPS定位資料，作為種植戶B待添加的作物地塊的地塊邊界資訊，按照這一邏輯，如果種植戶B攜帶移動終端繞著待添加的作物地塊移動一周，則通過種植戶B攜帶的移動終端的GPS定位資料，就能確定待添加的作物地塊整體的地塊邊界資訊，據此可以計算出待添加的作物地塊的地塊面積，還進一步根據計算出的地塊面積，結合種植戶B的用戶資料，確定種植戶B的授信額度，此處授信額度的確定過程與下述步驟S110類似，參見步驟S110提供的具體實現過程，在此不再贅述。
步驟S104，向所述目標用戶展示地圖頁面。
具體實施時，在向目標用戶展示地圖頁面的過程中，為了便於目標用戶基於展示的地圖頁面進行作物地塊標注，可根據目標用戶登錄的地塊資訊中包含的地塊面積，根據地塊面積與地圖頁面的地圖精度的對應關係，將地圖頁面顯示的地圖精度調整至與地塊面積相適配的精度，以提升目標用戶後續在地圖頁面進行作物地塊標注的效率。
此外，具體實施時，為了便於目標用戶更加直觀的查看作物地塊的添加過程，增強目標用戶對作物地塊添加過程的感知，本實施例提供的一種可選實施方式中，在向目標用戶展示地圖頁面的基礎上，獲取所述目標用戶的終端設備的定位資料，進一步確定所述定位資料在所述地圖頁面所屬地圖座標中映射的座標資訊，並在所述地圖頁面中更新所述座標資訊對應的座標標識，基於所述定位資料計算所述作物地塊的地塊面積，根據所述地塊面積、所述地塊資訊以及所述用戶資料，確定所述目標用戶的第二授信額度。
例如，圖4所示的地圖頁面，若該地圖頁面為向種植戶C展示的地圖頁面，則根據種植戶C攜帶的移動終端的GPS定位資料，確定該GPS定位資料在地圖頁面中對應的座標位置，並在地圖頁面中該座標位置顯示相應的標記，按照這一邏輯，如果種植戶C攜帶移動終端繞著待添加的作物地塊移動一周，則通過種植戶C攜帶的移動終端的GPS定位資料，就能確定待添加的作物地塊整體的地塊邊界資訊，並在地圖頁面顯示閉合的地塊邊界標記，據此，可以計算出待添加的作物地塊的地塊面積，還進一步根據計算出的地塊面積，結合種植戶C登錄的地塊資訊以及種植戶C的用戶資料，確定種植戶C的授信額度，此處授信額度的確定過程與下述步驟S110類似，參見步驟S110提供的具體實現過程，在此不再贅述。
步驟S106，若檢測到在所述地圖頁面輸入的標注動作，確定所述標注動作對應的地塊邊界資訊。
具體在確定所述標注動作對應的地塊邊界資訊的過程中，首先根據目標用戶在所述地圖頁面輸入的標注動作，確定所述標注動作在所述地圖頁面中對應的地圖邊界資訊，即：確定作物地塊在地圖維度的地塊邊界；然後根據地圖維度的地圖位置與實際地理區域緯度的地理位置的映射關係，確定所述地圖邊界資訊對應的地理位置邊界資訊，作為所述標注動作對應的地塊邊界資訊。
比如，根據種植戶A在圖4所示的地圖頁面輸入的標注動作，確定種植戶A輸入的標注動作在地圖頁面對應的地圖邊界資訊，並在地圖頁面顯示該地圖邊界資訊，如圖5所示；以及，根據地圖頁面的地圖邊界資訊與經緯度資訊的映射關係，確定種植戶A輸入的標注動作對應的經緯度資訊。
除此之外，在確定所述標注動作對應的地塊邊界資訊的過程中，還可以將地圖邊界資訊作為所述標注動作對應的地塊邊界資訊，後續步驟S108計算所述作物地塊的標注面積的過程中，將地圖邊界資訊轉化為實際邊界資訊，然後基於實際邊界資訊進行標注面積的計算。
實際應用中，往往會出現目標用戶進行的資訊登錄過程或者作物地塊標注過程被中斷，比如種植戶在添加多個作物地塊時發生中斷，退出圖2所示的申請頁面或者退出圖3所示的地塊管理頁面，在這種情況下，如果目標用戶想要繼續之前被中斷的資訊登錄過程或者作物地塊標注過程，需要重新執行之前已經執行的資訊登錄過程或者作物地塊標注過程，本實施例提供的一種可選實施方式中，為了提升避免目標用戶重複執行資訊登錄過程或者作物地塊標注過程，採用如下方式對被中斷的處理過程進行恢復：
1)儲存目標用戶登錄的所述身份資訊、所述地塊資訊和/或所述地塊邊界信息；
2)在檢測到目標用戶針對所述授信申請控制項提交的二次申請指令的情況下，判斷所述二次申請指令的提交時間與所述申請指令的提交時間之間的時間跨度是否大於預設時間閾值；
若是，讀取儲存的所述身份資訊、所述地塊資訊和/或所述地塊邊界資訊，並將所述身份資訊、所述地塊資訊更新至所述授信申請頁面並展示，和/或，將所述地塊邊界資訊對應的座標標識更新至所述地圖頁面並展示；
若否，表明目標用戶再次進行資訊登錄或者作物地塊標注的時間與之前進行資訊登錄或者作物地塊標注的時間之間的時間跨度較大，向目標用戶發出相應的提醒或者不作處理即可。
步驟S108，基於所述地塊邊界資訊計算所述作物地塊的標注面積。
本實施例中，通過經緯度數據來計算目標用戶的作物地塊的標注面積，可選的，在具體計算過程中，首先確定所述地塊邊界資訊映射的經緯度座標資料，然後基於所述經緯度座標資料，採用面積計算公式計算所述作物地塊的標注面積；
其中，所述面積計算公式包括：計算經緯度座標資料中與緯度座標數值相鄰的兩個緯度座標數值的差值與對應經度座標數值的乘積，並對經緯度座標資料中所有緯度座標數值對應的乘積進行求和，將求和結果的二分之一與座標轉換常數的乘積作為所述標注面積。
例如，種植戶A在地圖頁面進行標注之後，地圖頁面顯示的作物地塊的邊界如圖5所示，根據確定的種植戶A的地塊邊界資訊，確定種植戶A的作物地塊的經緯度座標資料為：(，)、(，)、···(，)；然後根據如下公式計算種植戶A的作物地塊的地塊面積S：；
其中，公式中的為座標轉換常數；
最終，基於該公式計算獲得的地塊面積為1403畝3分。
步驟S110，根據所述標注面積、所述地塊資訊以及基於所述身份資訊獲取的用戶資料，確定所述目標用戶的授信額度。
如上所述，目標用戶的用戶資料包括目標用戶在各類維度下的資料，比如，種植戶在信用維度的徵信數據，在資產維度的資產資料，在應用維度的應用使用資料。需要說明的是，在確定目標用戶的授信額度的過程中，引入目標用戶的用戶資料的目的是，通過結合目標用戶在多維度的資料來綜合評估目標用戶的授信額度，以此來提升授信額度評估的準確性和全面性。
具體實施時，在上述計算出目標用戶的作物地塊的地塊面積的基礎上，為了提升地塊面積的有效性，進而提升基於地塊面積確定的授信額度的準確性，本實施例提供的一種可選實施方式中，將計算獲得的標注面積與所述地塊資訊中包含的地塊面積進行比對；若比對結果為所述標注面積小於或者等於所述地塊面積，根據所述標注面積和所述用戶資料確定專用授信額度，作為所述目標用戶的授信額度；若比對結果為所述標注面積大於所述地塊面積，根據所述地塊面積和所述用戶資料確定專用授信額度，作為所述目標用戶的授信額度。
具體的，本實施例提供的一種可選實施方式中，根據所述標注面積和所述用戶資料確定專用授信額度的過程中，通過將所述標注面積和所述用戶資料作為模型輸入，輸入額度分配模型進行授信額度分配，輸出針對所述作物地塊向目標用戶分配的專用授信額度，作為所述授信額度，以此來提升目標用戶的授信額度確定過程中的處理效率。
與之相類似，根據所述地塊資訊中包含的地塊面積和所述用戶資料確定專用授信額度的過程中，通過將所述地塊資訊中包含的地塊面積和所述用戶資料作為模型輸入，輸入額度分配模型進行授信額度分配，輸出針對所述作物地塊向目標用戶分配的專用授信額度，作為所述授信額度。
此外，在具體實施時，在確定目標用戶的授信額度的過程中，為了進一步提升目標用戶的授信額度的準確性，還可以從目標用戶的作物地塊的作物價值出發確定授信額度，由此確定的授信額度與目標用戶的實際資產狀況更加吻合，也更符合用戶的實際償還能力，本實施例提供的一種可選實施方式中，將所述地塊邊界資訊以及對應的時間資訊輸入作物識別模型進行作物種類識別，獲得所述作物地塊的作物種類；然後基於所述作物種類、所述標注面積和所述作物種類對應的作物屬性，計算所述作物地塊的作物價值；最後根據所述作物價值和所述用戶資料確定所述目標用戶的第四授信額度。
實際應用中，不同的目標用戶可能出於不同的需求申請所述授信額度，或者在申請授信額度時處於不同的授信狀態，比如有的種植戶在申請授信額度時尚未開通授信服務，或者，有的種植戶在申請授信額度時已經開通授信服務並且已經擁有一定的授信額度，再或者，有的種植戶在申請授信額度時已經通過貸款或者抵押使用其授信額度，本實施例提供的一種可選實施方式中，為了提升目標用戶的用戶體驗，從目標用戶的授信狀態出發，對不同授信狀態的目標用戶進行針對性處理，具體的，讀取所述目標用戶的授信狀態；若所述目標用戶的授信狀態為未授信，基於所述授信額度對所述目標用戶進行授信處理；若所述目標用戶的授信狀態為已授信，基於所述授信額度對所述目標用戶的初始授信額度進行調整；若所述目標用戶的授信狀態為授信已用，基於所述目標用戶參與簽訂的作物經營合約中記錄的合約資訊，生成履約提醒並向所述目標用戶發送。
此外，需要說明的是，上述根據所述標注面積、所述地塊資訊以及基於所述身份資訊獲取的用戶資料，確定所述目標用戶的授信額度這一實現，根據不同應用場景的場景特性，還可以被替換為不同應用場景中的相應處理動作，下述提供在5種不同實現場景的具體實現方式：
第一種實現方式：
將所述標注面積、所述地塊資訊以及所述用戶資料作為模型輸入，輸入額度分配模型進行授信額度分配，輸出針對所述作物地塊向所述目標用戶分配的專用授信額度；
讀取所述目標用戶的授信狀態；
若所述目標用戶的授信狀態為未授信，基於所述專用授信額度對所述目標用戶進行授信處理；
若所述目標用戶的授信狀態為已授信，基於所述專用授信額度對所述目標用戶的初始授信額度進行調整；
若所述目標用戶的授信狀態為授信已用，基於所述目標用戶參與簽訂的作物經營合約中記錄的合約資訊，生成履約提醒並向所述目標用戶發送。
第二種實現方式：
基於所述地塊資訊中包含的地塊面積和所述標注面積，計算所述地塊資訊的置信度；
在所述置信度大於預設置信度閾值的情況下，基於所述置信度和所述用戶資料中包含的信用資料，更新所述目標用戶的信用等級。
第三種實現方式：
確定所述地塊座標資訊在預先獲取的遙感影像中映射的遙感影像作物地塊；
根據預先識別並儲存的所述遙感影像作物地塊包含的影像單元的作物種類，確定所述作物地塊的作物種類；
基於所述標注面積和所述作物種類計算所述作物地塊的作物價值；
根據所述作物價值和所述作物種類對應的資源轉化率，計算所述地塊資訊對應的資源轉化數值；
基於所述資源轉化數值和所述目標用戶的資源偏好和/或資源狀態，生成所述作物地塊的資源管理策略。
第四種實現方式：
確定所述地塊資訊中包含的地塊座標資訊對應的時間資訊；
基於所述時間資訊，確定所述地塊座標資訊在預先獲取的遙感影像中映射的遙感影像作物地塊；
根據預先識別並儲存的所述遙感影像作物地塊包含的影像單元的作物種類，確定所述作物地塊的作物種類；
基於所述作物種類、所述標注面積、所述地塊資訊中包含的地域資訊以及作物種類對應的作物價值波動，確定所述作物地塊的風險等級；
基於所述風險等級生成風險預警提示並向所述目標用戶展示。
第五種實現方式：
將所述地塊邊界資訊以及對應的時間資訊輸入作物識別模型進行作物種類識別，獲得所述作物地塊的作物種類；
基於所述作物種類、所述標注面積和所述作物種類對應的作物屬性，計算所述作物地塊的作物價值；
根據所述作物價值和所述用戶資料確定所述目標用戶的保障額度。
下述以本實施例提供的一種授信額度處理方法在助農貸款專案場景的應用為例，對本實施例提供的授信額度處理方法進行進一步說明，參見圖6，應用於助農貸款項目場景的授信額度處理方法，具體包括步驟S602至步驟S622。
步驟S602，獲取種植戶在助農貸款項目的專案頁面觸發授信處理通道之後登錄的身份資訊，以及作物地塊的地塊資訊。
具體的，在檢測到種植戶針對助農貸款項目的申請請求的情況下，基於助農貸款項目的專案頁面展示授信處理通道的觸發控制項；在檢測到觸發控制項被觸發之後，向種植戶展示助農貸款項目下授信處理通道的授信申請頁面；其中，授信申請頁面配置有資訊登錄介面和授信申請控制項；種植戶的身份資訊和地塊資訊基於資訊登錄介面進行登錄。此外，授信申請頁面還配置有地塊管理控制項。
其中，身份資訊，是指與種植戶的身份相關的資訊，比如種植戶的姓名、身份證號和聯繫方式。作物地塊，是指用於種植農作物、林業作物、水生作物等地表生長作物的土地、水田或者海水種植區域。地塊資訊，包括作物地塊的地塊面積，比如以畝為度量單位的地塊面積數值。
步驟S604，在獲取到種植戶針對授信申請控制項提交的申請指令的情況下，向種植戶展示地圖頁面。
步驟S606，若檢測到在種植戶在地圖頁面輸入的標注動作，確定標注動作對應的地塊邊界資訊。
具體在確定標注動作對應的地塊邊界資訊的過程中，首先根據種植戶在地圖頁面輸入的標注動作，確定標注動作在地圖頁面中對應的地圖邊界資訊，即：確定作物地塊在地圖維度的地塊邊界；然後根據地圖維度的地圖位置與實際地理區域緯度的地理位置的映射關係，確定地圖邊界資訊對應的地理位置邊界資訊，作為標注動作對應的地塊邊界資訊。
步驟S608，基於地塊邊界資訊計算作物地塊的標注面積。
根據確定的種植戶的地塊邊界資訊，確定種植戶的作物地塊的經緯度座標資料為：(，)、(，)、···(，)；然後根據如下公式計算種植戶A的作物地塊的地塊面積S：；
其中，為座標轉換常數。
步驟S610，將標注面積與地塊資訊中包含的地塊面積進行比對。
步驟S612，若比對結果為標注面積小於或者等於地塊面積，根據標注面積和種植戶的用戶資料確定專用授信額度，作為種植戶的專用授信額度。
具體的，根據標注面積和用戶資料確定專用授信額度的過程中，在確定目標用戶的授信額度的過程中，通過將標注面積和用戶資料作為模型輸入，輸入額度分配模型進行授信額度分配，輸出針對作物地塊向種植戶分配的專用授信額度。
步驟S614，若比對結果為所述標注面積大於所述地塊面積，根據地塊面積和種植戶的用戶資料確定專用授信額度，作為種植戶的專用授信額度。
步驟S616，讀取種植戶的授信狀態。
步驟S618，若種植戶的授信狀態為未授信，基於專用授信額度對種植戶進行授信處理。
步驟S620，若種植戶的授信狀態為已授信，基於專用授信額度對種植戶的初始授信額度進行調整。
步驟S622，若種植戶的授信狀態為授信已用，基於種植戶參與簽訂的助農貸款項目的助農經營貸款合約中記錄的合約資訊，生成履約提醒並向種植戶發送。
本說明書提供的一種用戶資源處理方法實施例如下：
參照圖7，其示出了本實施例提供的一種用戶資源處理方法處理流程圖，所述用戶資源處理方法具體包括步驟S702至步驟710。
步驟S702，獲取目標用戶登錄的作物地塊的地塊資訊。
本實施例提供的用戶資源處理方法，通過獲取目標用戶的作物地塊的地塊資訊，並對目標用戶的作物地塊進行標注，進一步，在對作物地塊進行標注的基礎上，結合地塊標注後計算出的地塊面積、用戶登錄的地塊資訊以及目標用戶的用戶資料對目標用戶進行授信評估，為用戶分配更加合理的授信額度，以此對目標用戶的用戶資源進行更加有效的管理，進而促進目標用戶的生產經營效率的提升。
所述作物地塊，是指用於種植農作物、林業作物、水生作物等地表生長作物的土地、水田或者海水種植區域。所述地塊資訊，包括作物地塊的地塊面積、作物種類、作物地塊所處的地塊座標資訊以及時間資訊中的一項或者多項。
本實施例針對預設用戶清單中的目標用戶開放授信處理通道，所述授信處理通道與目標應用綁定，並且目標用戶的地塊資訊是在目標用戶觸發授信處理通道之後登錄，換言之，預設用戶清單中的目標用戶，能夠通過目標應用綁定的授信處理通道進行資訊登錄和授信額度處理，比如在目標應用的使用過程中通過登錄資訊來進行授信額度的提額處理；具體的，本實施例提供的一種可選實施方式中，在檢測到目標用戶針對目標應用的應用處理請求的情況下，基於目標應用的應用頁面展示授信處理通道的觸發控制項，目標用戶通過觸發所述觸發控制項來觸發所述授信處理通道。
其中，授信是指銀行、支付平臺等機構向用戶直接提供的資金，或對用戶在有關活動中可能產生的賠償、支付責任做出的保證，授信既可以針對貸款、票據抵押、透支、各項墊款等表內服務，還可以針對票據承兌、開信用證、保函等表外服務。授信額度，是指銀行、支付平臺等機構為用戶核定的短期授信業務的存量管理指標。
進一步，在檢測到授信處理通道的觸發控制項被觸發之後，向目標用戶展示目標應用下授信處理通道的授信申請頁面；其中，所述授信申請頁面配置有資訊登錄介面和授信申請控制項；所述地塊資訊基於所述資訊登錄介面進行登錄。
步驟S704，向所述目標用戶展示地理資訊頁面。
具體實施時，在向目標用戶展示地理資訊頁面的過程中，為了便於目標用戶基於展示的地理資訊頁面進行作物地塊標注，可根據目標用戶登錄的地塊資訊中包含的地塊面積，根據地塊面積與地理資訊頁面的精度的對應關係，將地理資訊頁面顯示的精度調整至與地塊面積相適配的精度，以提升目標用戶後續在地理資訊頁面進行作物地塊標注的效率。
其中，所述地理資訊頁面可以是地圖頁面，或者遙感影像的影像頁面。除此之外，所述地理資訊頁面還可以是用於進行地塊標注的與地理資訊相關的頁面，比如某區域的實景圖像頁面等。
步驟S706，若檢測到在所述地理資訊頁面輸入的標注動作，確定所述標注動作對應的地塊邊界資訊。
具體在確定所述標注動作對應的地塊邊界資訊的過程中，首先根據目標用戶在所述地理資訊頁面輸入的標注動作，確定所述標注動作在所述地理資訊頁面中對應的頁面邊界資訊，即：確定作物地塊在地理資訊頁面維度的地塊邊界；然後根據地理資訊頁面維度的位置與實際地理區域緯度的地理位置的映射關係，確定所述頁面邊界資訊對應的地理位置邊界資訊，作為所述標注動作對應的地塊邊界資訊。
步驟S708，基於所述地塊邊界資訊計算所述作物地塊的標注面積。
本實施例中，通過經緯度數據來計算目標用戶的作物地塊的標注面積，可選的，在具體計算過程中，首先確定所述地塊邊界資訊映射的經緯度座標資料，然後基於所述經緯度座標資料，採用面積計算公式計算所述作物地塊的標注面積；
其中，所述面積計算公式包括：計算經緯度座標資料中與緯度座標數值相鄰的兩個緯度座標數值的差值與對應經度座標數值的乘積，並對經緯度座標資料中所有緯度座標數值對應的乘積進行求和，將求和結果的二分之一與座標轉換常數的乘積作為所述標注面積。
例如，種植戶A在地圖頁面進行標注之後，地圖頁面顯示的作物地塊的邊界如圖5所示，根據確定的種植戶A的地塊邊界資訊，確定種植戶A的作物地塊的經緯度座標資料為：(，)、(，)、···(，)；然後根據如下公式計算種植戶A的作物地塊的地塊面積S：；
此處，公式中的為座標轉換常數。
步驟S710，根據所述地塊資訊、所述標注面積以及所述目標用戶的用戶資料，對所述目標用戶的用戶資源進行資源操作處理。
本實施例提供的一種可選實施方式中，在對所述目標用戶的用戶資源進行資源操作處理的過程中，為了提升目標用戶的用戶體驗，從目標用戶的授信狀態出發，對不同授信狀態的目標用戶進行針對性處理，具體實現如下：
1)將所述標注面積、所述地塊資訊以及所述用戶資料作為模型輸入，輸入額度分配模型進行授信額度分配，輸出針對所述作物地塊向所述目標用戶分配的專用授信額度；
2)讀取所述目標用戶的授信狀態；
3)若所述目標用戶的授信狀態為未授信，基於所述專用授信額度對所述目標用戶進行授信處理；
4)若所述目標用戶的授信狀態為已授信，基於所述專用授信額度對所述目標用戶的初始授信額度進行調整；
5)若所述目標用戶的授信狀態為授信已用，基於所述目標用戶參與簽訂的作物經營合約中記錄的合約資訊，生成履約提醒並向所述目標用戶發送。
本實施例提供的另一種可選實施方式中，為了從信用維度提升用戶信用等級的可信度，基於所述地塊資訊中包含的地塊面積和所述標注面積，計算所述地塊資訊的置信度；在所述置信度大於預設置信度閾值的情況下，基於所述置信度和所述用戶資料中包含的信用資料，更新所述目標用戶的信用等級。
下述以本實施例提供的一種用戶資源處理方法在保障項目場景的應用為例，對本實施例提供的用戶資源處理方法進行進一步說明，參見圖8，應用於保障項目場景的用戶資源處理方法，具體包括步驟S802至步驟S818。
步驟S802，獲取種植戶在保障專案的專案頁面觸發授信處理通道之後登錄的作物地塊的地塊資訊。
保障項目，包括對種植戶的作物地塊中生長的作物提供保障服務的專案，以及對種植戶的種植生產活動或者種植生產活動的預期收益提供保障服務的專案。比如，對種植戶的作物地塊中生長的作物提供保障的農業保險專案。
步驟S804，在獲取到種植戶針對授信申請控制項提交的申請指令的情況下，向種植戶展示地圖頁面。
步驟S806，若檢測到在種植戶在地圖頁面輸入的標注動作，確定標注動作對應的地塊邊界資訊。
步驟S808，基於地塊邊界資訊計算作物地塊的標注面積。
步驟S810，將標注面積與地塊資訊中包含的地塊面積進行比對。
步驟S812，若比對結果為標注面積小於或者等於地塊面積，將地塊邊界資訊以及對應的時間資訊輸入作物識別模型進行作物種類識別，獲得作物地塊的作物種類。
步驟S814，基於作物種類、標注面積和作物種類對應的作物屬性，計算作物地塊的作物價值。
步驟S816，根據作物價值和用戶資料確定種植戶的保障額度。
步驟S818，基於保障額度向種植戶推薦保障專案，或者，基於作物種類和/或作物價值向種植戶推薦保障專案。
下述以本實施例提供的一種用戶資源處理方法在用戶資源管理場景的應用為例，對本實施例提供的用戶資源處理方法進行進一步說明，參見圖9，應用於用戶資源管理場景的用戶資源處理方法，具體包括步驟S902至步驟S918。
步驟S902，獲取種植戶登錄的作物地塊的地塊座標資訊。
步驟S904，向種植戶展示地理資訊頁面。
步驟S906，若檢測到種植戶在地理資訊頁面輸入的標注動作，確定標注動作對應的地塊邊界資訊。
步驟S908，基於地塊邊界資訊計算作物地塊的標注面積。
步驟S910，確定地塊座標資訊在預先獲取的遙感影像中映射的遙感影像作物地塊。
步驟S912，根據預先識別並儲存的遙感影像作物地塊包含的影像單元的作物種類，確定作物地塊的作物種類。
步驟S914，基於作物地塊的標注面積和作物種類計算作物地塊的作物價值。
步驟S916，根據作物價值和作物種類對應的資源轉化率，計算地塊資訊對應的資源轉化數值。
步驟S918，基於資源轉化數值和種植戶的資源偏好和/或資源狀態，生成作物地塊的資源管理策略。
需要說明的是，與上述步驟S908至步驟S918的具體實現相類似，上述步驟S908至步驟S918提供的用戶資源管理場景中的資源管理策略生成過程，還可以被替換為用戶資源管理場景中的用戶資源風險預警過程，具體的，用戶資源管理場景中的用戶資源風險預警過程具體實現如下：
1)確定地塊資訊中包含的地塊座標資訊對應的時間資訊；
2)基於時間資訊，確定地塊座標資訊在預先獲取的遙感影像中映射的遙感影像作物地塊；
3)根據預先識別並儲存的遙感影像作物地塊包含的影像單元的作物種類，確定作物地塊的作物種類；
4)基於作物種類、標注面積、地塊資訊中包含的地域資訊以及作物種類對應的作物價值波動，確定作物地塊的風險等級；
5)基於風險等級生成風險預警提示並向種植戶展示。
本說明書提供的一種授信額度處理裝置實施例如下：
在上述的實施例中，提供了一種授信額度處理方法，與之相對應的，還提供了一種授信額度處理裝置，下面結合附圖進行說明。
參照圖10，其示出了本實施例提供的一種授信額度處理裝置的示意圖。
由於裝置實施例對應於方法實施例，所以描述得比較簡單，相關的部分請參見上述提供的方法實施例的對應說明即可。下述描述的裝置實施例僅僅是示意性的。
本實施例提供一種授信額度處理裝置，包括：
資訊獲取模組1002，被配置為獲取目標用戶登錄的身份資訊，以及作物地塊的地塊資訊；
地圖頁面展示模組1004，被配置為向所述目標用戶展示地圖頁面；
地塊邊界資訊確定模組1006，被配置為在檢測到在所述地圖頁面輸入的標注動作的情況下，確定所述標注動作對應的地塊邊界資訊；
標注面積計算模組1008，被配置為基於所述地塊邊界資訊計算所述作物地塊的標注面積；
授信額度確定模組1010，被配置為根據所述標注面積、所述地塊資訊以及基於所述身份資訊獲取的用戶資料，確定所述目標用戶的授信額度。
可選的，所述身份資訊和所述地塊資訊在所述目標用戶觸發授信處理通道之後登錄，所述授信處理通道向預設用戶清單中記錄的目標用戶開放，且所述授信處理通道與目標應用綁定；
在檢測到所述目標用戶針對所述目標應用的應用處理請求的情況下，基於所述目標應用的應用頁面展示所述授信處理通道的觸發控制項，所述目標用戶通過觸發所述觸發控制項來觸發所述授信處理通道。
可選的，在檢測到所述觸發控制項被觸發之後，向所述目標用戶展示所述目標應用下所述授信處理通道的授信申請頁面；其中，所述授信申請頁面配置有資訊登錄介面和授信申請控制項；所述身份資訊和所述地塊資訊基於所述資訊登錄介面進行登錄；
相應的，所述地圖頁面展示模組1004，具體被配置為在獲取到所述目標用戶針對所述授信申請控制項提交的申請指令的情況下，向所述目標用戶展示所述地圖頁面。
可選的，所述授信申請頁面配置有地塊管理控制項，若檢測到所述地塊管理控制項被觸發，則查詢所述目標用戶的作物地塊並基於地塊管理頁面進行展示；在所述地塊管理頁面配置的返回控制項被觸發的情況下，返回所述授信申請頁面。
可選的，所述授信額度處理裝置，還包括：
儲存模組，被配置為儲存所述目標用戶登錄的所述身份資訊、所述地塊資訊和/或所述地塊邊界信息；
時間判斷模組，被配置為在檢測到所述目標用戶針對所述授信申請控制項提交的二次申請指令的情況下，判斷所述二次申請指令的提交時間與所述申請指令的提交時間之間的時間跨度是否大於預設時間閾值；
若是，運行展示模組；所述展示模組，被配置為讀取儲存的所述身份資訊、所述地塊資訊和/或所述地塊邊界資訊，並將所述身份資訊、所述地塊資訊更新至所述授信申請頁面並展示，和/或，將所述地塊邊界資訊對應的座標標識更新至所述地圖頁面並展示。
可選的，所述授信額度處理裝置，還包括：
定位資料獲取模組，被配置為獲取所述目標用戶的終端設備的定位資料；
座標標識更新模組，被配置為確定所述定位資料在所述地圖頁面所屬地圖座標中映射的座標資訊，並在所述地圖頁面中更新所述座標資訊對應的座標標識；
地塊面積計算模組，被配置為基於所述定位資料計算所述作物地塊的地塊面積；
第二授信額度確定模組，被配置為根據所述地塊面積、所述地塊資訊和所述用戶資料，確定所述目標用戶的第二授信額度。
可選的，所述授信額度處理裝置，還包括：
地塊面積判斷模組，被配置為判斷所述地塊資訊中包含的地塊面積是否大於預設面積閾值；
若是，運行所述地圖頁面展示模組1004；
若否，運行第二定位資料獲取模組、第二地塊邊界資訊確定模組、第二標注面積計算模組和第三授信額度確定模組；
所述第二定位資料獲取模組，被配置為獲取所述目標用戶的終端設備的定位資料；
所述第二地塊邊界資訊確定模組，被配置為基於所述定位資料確定所述作物地塊的第二地塊邊界資訊；
所述第二標注面積計算模組，被配置為基於所述第二地塊邊界資訊計算所述作物地塊的第二標注面積；
所述第三授信額度確定模組，被配置為根據所述第二標注面積和所述用戶資料，確定所述目標用戶的第三授信額度。
可選的，所述標注面積計算模組1008，包括：
經緯度座標資料確定子模組，被配置為確定所述地塊邊界資訊映射的經緯度座標資料；
標注面積計算子模組，被配置為基於所述經緯度座標資料，採用面積計算公式計算所述作物地塊的標注面積；
其中，所述面積計算公式包括：計算經緯度座標資料中與緯度座標數值相鄰的兩個緯度座標數值的差值與對應經度座標數值的乘積，並對經緯度座標資料中所有緯度座標數值對應的乘積進行求和，將求和結果的二分之一與座標轉換常數的乘積作為所述標注面積。
可選的，所述授信額度確定模組1010，包括：
地塊面積比對子模組，被配置為將所述標注面積與所述地塊資訊中包含的地塊面積進行比對；
第一專用授信額度確定子模組，被配置為若比對結果為所述標注面積小於或者等於所述地塊面積，根據所述標注面積和所述用戶資料確定專用授信額度，作為所述目標用戶的授信額度；
第二專用授信額度確定子模組，被配置為若比對結果為所述標注面積大於所述地塊面積，根據所述地塊面積和所述用戶資料確定專用授信額度，作為所述目標用戶的授信額度。
可選的，所述第一專用授信額度確定子模組，具體被配置為將所述標注面積和所述用戶資料作為模型輸入，輸入額度分配模型進行授信額度分配，輸出針對所述作物地塊向所述目標用戶分配的授信額度，作為所述專用授信額度。
可選的，所述授信額度處理裝置，還包括：
作物種類確定模組，被配置為將所述地塊邊界資訊以及對應的時間資訊輸入作物識別模型進行作物種類識別，獲得所述作物地塊的作物種類；
作物價值計算模組，被配置為基於所述作物種類、所述標注面積和所述作物種類對應的作物屬性，計算所述作物地塊的作物價值；
第四授信額度確定模組，被配置為根據所述作物價值和所述用戶資料確定所述目標用戶的第四授信額度。
可選的，所述授信額度處理裝置，還包括：
授信狀態讀取模組，被配置為讀取所述目標用戶的授信狀態；
第一授信處理模組，被配置為若所述目標用戶的授信狀態為未授信，基於所述授信額度對所述目標用戶進行授信處理；
第二授信處理模組，被配置為若所述目標用戶的授信狀態為已授信，基於所述授信額度對所述目標用戶的初始授信額度進行調整；
第三授信處理模組，被配置為若所述目標用戶的授信狀態為授信已用，基於所述目標用戶參與簽訂的作物經營合約中記錄的合約資訊，生成履約提醒並向所述目標用戶發送。
說明書提供的一種用戶資源處理裝置實施例如下：
在上述的實施例中，提供了一種用戶資源處理方法，與之相對應的，還提供了一種用戶資源處理裝置，下面結合附圖進行說明。
參照圖11，其示出了本實施例提供的一種用戶資源處理裝置的示意圖。
由於裝置實施例對應於方法實施例，所以描述得比較簡單，相關的部分請參見上述提供的方法實施例的對應說明即可。下述描述的裝置實施例僅僅是示意性的。
本實施例提供一種用戶資源處理裝置，包括：
地塊資訊獲取模組1102，被配置為獲取目標用戶登錄的作物地塊的地塊資訊；
地理資訊頁面展示模組1104，被配置為向所述目標用戶展示地理資訊頁面；
地塊邊界資訊確定模組1106，被配置為在檢測到在所述地理資訊頁面輸入的標注動作的情況下，確定所述標注動作對應的地塊邊界資訊；
標注面積計算模組1108，被配置為基於所述地塊邊界資訊計算所述作物地塊的標注面積；
資源操作處理模組1110，被配置為根據所述地塊資訊、所述標注面積以及所述目標用戶的用戶資料，對所述目標用戶的用戶資源進行資源操作處理。
可選的，所述資源操作處理模組1110，包括：
專用授信額度確定子模組，被配置為將所述標注面積、所述地塊資訊以及所述用戶資料作為模型輸入，輸入額度分配模型進行授信額度分配，輸出針對所述作物地塊向所述目標用戶分配的專用授信額度；
授信狀態讀取子模組，被配置為讀取所述目標用戶的授信狀態；
第一授信處理子模組，被配置為若所述目標用戶的授信狀態為未授信，基於所述專用授信額度對所述目標用戶進行授信處理；
第二授信處理子模組，被配置為若所述目標用戶的授信狀態為已授信，基於所述專用授信額度對所述目標用戶的初始授信額度進行調整；
第三授信處理子模組，被配置為若所述目標用戶的授信狀態為授信已用，基於所述目標用戶參與簽訂的作物經營合約中記錄的合約資訊，生成履約提醒並向所述目標用戶發送。
可選的，所述資源操作處理模組1110，包括：
置信度計算子模組，被配置為基於所述地塊資訊中包含的地塊面積和所述標注面積，計算所述地塊資訊的置信度；
信用等級更新子模組，被配置為在所述置信度大於預設置信度閾值的情況下，基於所述置信度和所述用戶資料中包含的信用資料，更新所述目標用戶的信用等級。
可選的，所述資源操作處理模組1110，包括：
遙感影像作物地塊確定子模組，被配置為確定所述地塊座標資訊在預先獲取的遙感影像中映射的遙感影像作物地塊；
作物種類確定子模組，被配置為根據預先識別並儲存的所述遙感影像作物地塊包含的影像單元的作物種類，確定所述作物地塊的作物種類；
作物價值計算子模組，被配置為基於所述標注面積和所述作物種類計算所述作物地塊的作物價值；
資源轉化數值計算子模組，被配置為根據所述作物價值和所述作物種類對應的資源轉化率，計算所述地塊資訊對應的資源轉化數值；
資源管理策略生成子模組，被配置為基於所述資源轉化數值和所述目標用戶的資源偏好和/或資源狀態，生成所述作物地塊的資源管理策略。
可選的，所述資源操作處理模組1110，包括：
時間資訊確定子模組，被配置為確定所述地塊資訊中包含的地塊座標資訊對應的時間資訊；
第二遙感影像作物地塊確定子模組，被配置為基於所述時間資訊，確定所述地塊座標資訊在預先獲取的遙感影像中映射的遙感影像作物地塊；
第二作物種類確定子模組，被配置為根據預先識別並儲存的所述遙感影像作物地塊包含的影像單元的作物種類，確定所述作物地塊的作物種類；
風險等級確定子模組，被配置為基於所述作物種類、所述標注面積、所述地塊資訊中包含的地域資訊以及作物種類對應的作物價值波動，確定所述作物地塊的風險等級；
風險預警提示展示子模組，被配置為基於所述風險等級生成風險預警提示並向所述目標用戶展示。
可選的，所述資源操作處理模組1110，包括：
作物種類識別子模組，被配置為將所述地塊邊界資訊以及對應的時間資訊輸入作物識別模型進行作物種類識別，獲得所述作物地塊的作物種類；
第二作物價值計算子模組，被配置為基於所述作物種類、所述標注面積和所述作物種類對應的作物屬性，計算所述作物地塊的作物價值；
保障額度確定子模組，被配置為根據所述作物價值和所述用戶資料確定所述目標用戶的保障額度。
可選的，所述標注面積計算模組1108，包括：
經緯度座標資料確定子模組，被配置為確定所述地塊邊界資訊映射的經緯度座標資料；
標注面積計算子模組，被配置為基於所述經緯度座標資料，採用面積計算公式計算所述作物地塊的標注面積；
其中，所述面積計算公式包括：計算經緯度座標資料中與緯度座標數值相鄰的兩個緯度座標數值的差值與對應經度座標數值的乘積，並對經緯度座標資料中所有緯度座標數值對應的乘積進行求和，將求和結果的二分之一與座標轉換常數的乘積作為所述標注面積。
本說明書提供的一種授信額度處理設備實施例如下：
對應上述描述的一種授信額度處理方法，基於相同的技術構思，本說明書一個或多個實施例還提供一種授信額度處理設備，該授信額度處理設備用於執行上述提供的授信額度處理方法，圖12為本說明書一個或多個實施例提供的一種授信額度處理設備的結構示意圖。
本實施例提供的一種授信額度處理設備，包括：
如圖12所示，授信額度處理設備可因配置或性能不同而產生比較大的差異，可以包括一個或一個以上的處理器1201和記憶體1202，記憶體1202中可以儲存有一個或一個以上儲存應用程式或資料。其中，記憶體1202可以是短暫儲存或持久儲存。儲存在記憶體1202的應用程式可以包括一個或一個以上模組(圖示未示出)，每個模組可以包括授信額度處理設備中的一系列電腦可執行指令。更進一步地，處理器1201可以設置為與記憶體1202通信，在授信額度處理設備上執行記憶體1202中的一系列電腦可執行指令。授信額度處理設備還可以包括一個或一個以上電源1203，一個或一個以上有線或無線網路介面1204，一個或一個以上輸入輸出介面1205，一個或一個以上鍵盤1206等。
在一個具體的實施例中，授信額度處理設備包括有記憶體，以及一個或一個以上的程式，其中一個或者一個以上程式儲存於記憶體中，且一個或者一個以上程式可以包括一個或一個以上模組，且每個模組可以包括對授信額度處理設備中的一系列電腦可執行指令，且經配置以由一個或者一個以上處理器執行該一個或者一個以上套裝程式含用於進行以下電腦可執行指令：
獲取目標用戶登錄的身份資訊，以及作物地塊的地塊資訊；
向所述目標用戶展示地圖頁面；
若檢測到在所述地圖頁面輸入的標注動作，確定所述標注動作對應的地塊邊界資訊；
基於所述地塊邊界資訊計算所述作物地塊的標注面積；
根據所述標注面積、所述地塊資訊以及基於所述身份資訊獲取的用戶資料，確定所述目標用戶的授信額度。
可選的，所述身份資訊和所述地塊資訊在所述目標用戶觸發授信處理通道之後登錄，所述授信處理通道向預設用戶清單中記錄的目標用戶開放，且所述授信處理通道與目標應用綁定；
在檢測到所述目標用戶針對所述目標應用的應用處理請求的情況下，基於所述目標應用的應用頁面展示所述授信處理通道的觸發控制項，所述目標用戶通過觸發所述觸發控制項來觸發所述授信處理通道。
可選的，在檢測到所述觸發控制項被觸發之後，向所述目標用戶展示所述目標應用下所述授信處理通道的授信申請頁面；其中，所述授信申請頁面配置有資訊登錄介面和授信申請控制項；所述身份資訊和所述地塊資訊基於所述資訊登錄介面進行登錄；
相應的，所述向所述目標用戶展示地圖頁面，包括：
在獲取到所述目標用戶針對所述授信申請控制項提交的申請指令的情況下，向所述目標用戶展示所述地圖頁面。
可選的，所述授信申請頁面配置有地塊管理控制項，若檢測到所述地塊管理控制項被觸發，則查詢所述目標用戶的作物地塊並基於地塊管理頁面進行展示；在所述地塊管理頁面配置的返回控制項被觸發的情況下，返回所述授信申請頁面。
可選的，電腦可執行指令在被執行時，還包括：
儲存所述目標用戶登錄的所述身份資訊、所述地塊資訊和/或所述地塊邊界信息；
在檢測到所述目標用戶針對所述授信申請控制項提交的二次申請指令的情況下，判斷所述二次申請指令的提交時間與所述申請指令的提交時間之間的時間跨度是否大於預設時間閾值；
若是，讀取儲存的所述身份資訊、所述地塊資訊和/或所述地塊邊界資訊，並將所述身份資訊、所述地塊資訊更新至所述授信申請頁面並展示，和/或，將所述地塊邊界資訊對應的座標標識更新至所述地圖頁面並展示。
可選的，電腦可執行指令在被執行時，所述向所述目標用戶展示地圖頁面指令執行之後，還包括：
獲取所述目標用戶的終端設備的定位資料；
確定所述定位資料在所述地圖頁面所屬地圖座標中映射的座標資訊，並在所述地圖頁面中更新所述座標資訊對應的座標標識；
基於所述定位資料計算所述作物地塊的地塊面積；
根據所述地塊面積、所述地塊資訊和所述用戶資料，確定所述目標用戶的第二授信額度。
可選的，電腦可執行指令在被執行時，所述獲取目標用戶在觸發授信處理通道之後登錄的身份資訊，以及作物地塊的地塊資訊指令執行之後，還包括：
判斷所述地塊資訊中包含的地塊面積是否大於預設面積閾值；
若是，執行所述向所述目標用戶展示地圖頁面步驟；
若否，獲取所述目標用戶的終端設備的定位資料；
基於所述定位資料確定所述作物地塊的第二地塊邊界資訊；
基於所述第二地塊邊界資訊計算所述作物地塊的第二標注面積；
根據所述第二標注面積和所述用戶資料，確定所述目標用戶的第三授信額度。
可選的，所述基於所述地塊邊界資訊計算所述作物地塊的標注面積，包括：
確定所述地塊邊界資訊映射的經緯度座標資料；
基於所述經緯度座標資料，採用面積計算公式計算所述作物地塊的標注面積；
其中，所述面積計算公式包括：計算經緯度座標資料中與緯度座標數值相鄰的兩個緯度座標數值的差值與對應經度座標數值的乘積，並對經緯度座標資料中所有緯度座標數值對應的乘積進行求和，將求和結果的二分之一與座標轉換常數的乘積作為所述標注面積。
可選的，所述根據所述標注面積、所述地塊資訊以及基於所述身份資訊獲取的用戶資料，確定所述目標用戶的授信額度，包括：
將所述標注面積與所述地塊資訊中包含的地塊面積進行比對；
若比對結果為所述標注面積小於或者等於所述地塊面積，根據所述標注面積和所述用戶資料確定專用授信額度，作為所述目標用戶的授信額度；
若比對結果為所述標注面積大於所述地塊面積，根據所述地塊面積和所述用戶資料確定專用授信額度，作為所述目標用戶的授信額度。
可選的，所述根據所述標注面積和所述用戶資料確定專用授信額度，作為所述目標用戶的授信額度，包括：
將所述標注面積和所述用戶資料作為模型輸入，輸入額度分配模型進行授信額度分配，輸出針對所述作物地塊向所述目標用戶分配的授信額度，作為所述專用授信額度。
可選的，電腦可執行指令在被執行時，還包括：
將所述地塊邊界資訊以及對應的時間資訊輸入作物識別模型進行作物種類識別，獲得所述作物地塊的作物種類；
基於所述作物種類、所述標注面積和所述作物種類對應的作物屬性，計算所述作物地塊的作物價值；
根據所述作物價值和所述用戶資料確定所述目標用戶的第四授信額度。
可選的，電腦可執行指令在被執行時，所述根據所述標注面積、所述地塊資訊以及基於所述身份資訊獲取的用戶資料，確定所述目標用戶的授信額度指令執行之後，還包括：
讀取所述目標用戶的授信狀態；
若所述目標用戶的授信狀態為未授信，基於所述授信額度對所述目標用戶進行授信處理；
若所述目標用戶的授信狀態為已授信，基於所述授信額度對所述目標用戶的初始授信額度進行調整；
若所述目標用戶的授信狀態為授信已用，基於所述目標用戶參與簽訂的作物經營合約中記錄的合約資訊，生成履約提醒並向所述目標用戶發送。
本說明書提供的一種用戶資源處理設備實施例如下：
對應上述描述的一種用戶資源處理方法，基於相同的技術構思，本說明書一個或多個實施例還提供一種用戶資源處理設備，該用戶資源處理設備用於執行上述提供的用戶資源處理方法，圖13為本說明書一個或多個實施例提供的一種用戶資源處理設備的結構示意圖。
本實施例提供的一種用戶資源處理設備，包括：
如圖13所示，用戶資源處理設備可因配置或性能不同而產生比較大的差異，可以包括一個或一個以上的處理器1201和記憶體1202，記憶體1202中可以儲存有一個或一個以上儲存應用程式或資料。其中，記憶體1202可以是短暫儲存或持久儲存。儲存在記憶體1202的應用程式可以包括一個或一個以上模組(圖示未示出)，每個模組可以包括用戶資源處理設備中的一系列電腦可執行指令。更進一步地，處理器1201可以設置為與記憶體1202通信，在用戶資源處理設備上執行記憶體1202中的一系列電腦可執行指令。用戶資源處理設備還可以包括一個或一個以上電源1203，一個或一個以上有線或無線網路介面1204，一個或一個以上輸入輸出介面1205，一個或一個以上鍵盤1206等。
在一個具體的實施例中，用戶資源處理設備包括有記憶體，以及一個或一個以上的程式，其中一個或者一個以上程式儲存於記憶體中，且一個或者一個以上程式可以包括一個或一個以上模組，且每個模組可以包括對用戶資源處理設備中的一系列電腦可執行指令，且經配置以由一個或者一個以上處理器執行該一個或者一個以上套裝程式含用於進行以下電腦可執行指令：
獲取目標用戶登錄的作物地塊的地塊資訊；
向所述目標用戶展示地理資訊頁面；
若檢測到在所述地理資訊頁面輸入的標注動作，確定所述標注動作對應的地塊邊界資訊；
基於所述地塊邊界資訊計算所述作物地塊的標注面積；
根據所述地塊資訊、所述標注面積以及所述目標用戶的用戶資料，對所述目標用戶的用戶資源進行資源操作處理。
可選的，所述根據所述地塊資訊、所述標注面積以及所述目標用戶的用戶資料，對所述目標用戶的用戶資源進行資源操作處理，包括：
將所述標注面積、所述地塊資訊以及所述用戶資料作為模型輸入，輸入額度分配模型進行授信額度分配，輸出針對所述作物地塊向所述目標用戶分配的專用授信額度；
讀取所述目標用戶的授信狀態；
若所述目標用戶的授信狀態為未授信，基於所述專用授信額度對所述目標用戶進行授信處理；
若所述目標用戶的授信狀態為已授信，基於所述專用授信額度對所述目標用戶的初始授信額度進行調整；
若所述目標用戶的授信狀態為授信已用，基於所述目標用戶參與簽訂的作物經營合約中記錄的合約資訊，生成履約提醒並向所述目標用戶發送。
可選的，所述根據所述地塊資訊、所述標注面積以及所述目標用戶的用戶資料，對所述目標用戶的用戶資源進行資源操作處理，包括：
基於所述地塊資訊中包含的地塊面積和所述標注面積，計算所述地塊資訊的置信度；
在所述置信度大於預設置信度閾值的情況下，基於所述置信度和所述用戶資料中包含的信用資料，更新所述目標用戶的信用等級。
可選的，所述根據所述地塊資訊、所述標注面積以及所述目標用戶的用戶資料，對所述目標用戶的用戶資源進行資源操作處理，包括：
確定所述地塊座標資訊在預先獲取的遙感影像中映射的遙感影像作物地塊；
根據預先識別並儲存的所述遙感影像作物地塊包含的影像單元的作物種類，確定所述作物地塊的作物種類；
基於所述標注面積和所述作物種類計算所述作物地塊的作物價值；
根據所述作物價值和所述作物種類對應的資源轉化率，計算所述地塊資訊對應的資源轉化數值；
基於所述資源轉化數值和所述目標用戶的資源偏好和/或資源狀態，生成所述作物地塊的資源管理策略。
可選的，所述根據所述地塊資訊、所述標注面積以及所述目標用戶的用戶資料，對所述目標用戶的用戶資源進行資源操作處理，包括：
確定所述地塊資訊中包含的地塊座標資訊對應的時間資訊；
基於所述時間資訊，確定所述地塊座標資訊在預先獲取的遙感影像中映射的遙感影像作物地塊；
根據預先識別並儲存的所述遙感影像作物地塊包含的影像單元的作物種類，確定所述作物地塊的作物種類；
基於所述作物種類、所述標注面積、所述地塊資訊中包含的地域資訊以及作物種類對應的作物價值波動，確定所述作物地塊的風險等級；
基於所述風險等級生成風險預警提示並向所述目標用戶展示。
可選的，所述根據所述地塊資訊、所述標注面積以及所述目標用戶的用戶資料，對所述目標用戶的用戶資源進行資源操作處理，包括：
將所述地塊邊界資訊以及對應的時間資訊輸入作物識別模型進行作物種類識別，獲得所述作物地塊的作物種類；
基於所述作物種類、所述標注面積和所述作物種類對應的作物屬性，計算所述作物地塊的作物價值；
根據所述作物價值和所述用戶資料確定所述目標用戶的保障額度。
可選的，所述基於所述地塊邊界資訊計算所述作物地塊的標注面積，包括：
確定所述地塊邊界資訊映射的經緯度座標資料；
基於所述經緯度座標資料，採用面積計算公式計算所述作物地塊的標注面積；
其中，所述面積計算公式包括：計算經緯度座標資料中與緯度座標數值相鄰的兩個緯度座標數值的差值與對應經度座標數值的乘積，並對經緯度座標資料中所有緯度座標數值對應的乘積進行求和，將求和結果的二分之一與座標轉換常數的乘積作為所述標注面積。
本說明書提供的一種儲存媒體實施例如下：
對應上述描述的一種授信額度處理方法，基於相同的技術構思，本說明書一個或多個實施例還提供一種儲存媒體。
本實施例提供的儲存媒體，用於儲存電腦可執行指令，所述電腦可執行指令在被執行時實現以下流程：
獲取目標用戶登錄的身份資訊，以及作物地塊的地塊資訊；
向所述目標用戶展示地圖頁面；
若檢測到在所述地圖頁面輸入的標注動作，確定所述標注動作對應的地塊邊界資訊；
基於所述地塊邊界資訊計算所述作物地塊的標注面積；
根據所述標注面積、所述地塊資訊以及基於所述身份資訊獲取的用戶資料，確定所述目標用戶的授信額度。
可選的，所述身份資訊和所述地塊資訊在所述目標用戶觸發授信處理通道之後登錄，所述授信處理通道向預設用戶清單中記錄的目標用戶開放，且所述授信處理通道與目標應用綁定；
在檢測到所述目標用戶針對所述目標應用的應用處理請求的情況下，基於所述目標應用的應用頁面展示所述授信處理通道的觸發控制項，所述目標用戶通過觸發所述觸發控制項來觸發所述授信處理通道。
可選的，在檢測到所述觸發控制項被觸發之後，向所述目標用戶展示所述目標應用下所述授信處理通道的授信申請頁面；其中，所述授信申請頁面配置有資訊登錄介面和授信申請控制項；所述身份資訊和所述地塊資訊基於所述資訊登錄介面進行登錄；
相應的，所述向所述目標用戶展示地圖頁面，包括：
在獲取到所述目標用戶針對所述授信申請控制項提交的申請指令的情況下，向所述目標用戶展示所述地圖頁面。
可選的，所述授信申請頁面配置有地塊管理控制項，若檢測到所述地塊管理控制項被觸發，則查詢所述目標用戶的作物地塊並基於地塊管理頁面進行展示；在所述地塊管理頁面配置的返回控制項被觸發的情況下，返回所述授信申請頁面。
可選的，所述電腦可執行指令在被執行時還實現以下流程：
儲存所述目標用戶登錄的所述身份資訊、所述地塊資訊和/或所述地塊邊界信息；
在檢測到所述目標用戶針對所述授信申請控制項提交的二次申請指令的情況下，判斷所述二次申請指令的提交時間與所述申請指令的提交時間之間的時間跨度是否大於預設時間閾值；
若是，讀取儲存的所述身份資訊、所述地塊資訊和/或所述地塊邊界資訊，並將所述身份資訊、所述地塊資訊更新至所述授信申請頁面並展示，和/或，將所述地塊邊界資訊對應的座標標識更新至所述地圖頁面並展示。
可選的，所述向所述目標用戶展示地圖頁面流程執行之後，所述電腦可執行指令在被執行時還實現以下流程：
獲取所述目標用戶的終端設備的定位資料；
確定所述定位資料在所述地圖頁面所屬地圖座標中映射的座標資訊，並在所述地圖頁面中更新所述座標資訊對應的座標標識；
基於所述定位資料計算所述作物地塊的地塊面積；
根據所述地塊面積、所述地塊資訊和所述用戶資料，確定所述目標用戶的第二授信額度。
可選的，所述獲取目標用戶在觸發授信處理通道之後登錄的身份資訊，以及作物地塊的地塊資訊流程執行之後，所述電腦可執行指令在被執行時還實現以下流程：
判斷所述地塊資訊中包含的地塊面積是否大於預設面積閾值；
若是，執行所述向所述目標用戶展示地圖頁面步驟；
若否，獲取所述目標用戶的終端設備的定位資料；
基於所述定位資料確定所述作物地塊的第二地塊邊界資訊；
基於所述第二地塊邊界資訊計算所述作物地塊的第二標注面積；
根據所述第二標注面積和所述用戶資料，確定所述目標用戶的第三授信額度。
可選的，所述基於所述地塊邊界資訊計算所述作物地塊的標注面積，包括：
確定所述地塊邊界資訊映射的經緯度座標資料；
基於所述經緯度座標資料，採用面積計算公式計算所述作物地塊的標注面積；
其中，所述面積計算公式包括：計算經緯度座標資料中與緯度座標數值相鄰的兩個緯度座標數值的差值與對應經度座標數值的乘積，並對經緯度座標資料中所有緯度座標數值對應的乘積進行求和，將求和結果的二分之一與座標轉換常數的乘積作為所述標注面積。
可選的，所述根據所述標注面積、所述地塊資訊以及基於所述身份資訊獲取的用戶資料，確定所述目標用戶的授信額度，包括：
將所述標注面積與所述地塊資訊中包含的地塊面積進行比對；
若比對結果為所述標注面積小於或者等於所述地塊面積，根據所述標注面積和所述用戶資料確定專用授信額度，作為所述目標用戶的授信額度；
若比對結果為所述標注面積大於所述地塊面積，根據所述地塊面積和所述用戶資料確定專用授信額度，作為所述目標用戶的授信額度。
可選的，所述根據所述標注面積和所述用戶資料確定專用授信額度，作為所述目標用戶的授信額度，包括：
將所述標注面積和所述用戶資料作為模型輸入，輸入額度分配模型進行授信額度分配，輸出針對所述作物地塊向所述目標用戶分配的授信額度，作為所述專用授信額度。
可選的，所述電腦可執行指令在被執行時還實現以下流程：
將所述地塊邊界資訊以及對應的時間資訊輸入作物識別模型進行作物種類識別，獲得所述作物地塊的作物種類；
基於所述作物種類、所述標注面積和所述作物種類對應的作物屬性，計算所述作物地塊的作物價值；
根據所述作物價值和所述用戶資料確定所述目標用戶的第四授信額度。
可選的，所述根據所述標注面積、所述地塊資訊以及基於所述身份資訊獲取的用戶資料，確定所述目標用戶的授信額度流程執行之後，所述電腦可執行指令在被執行時還實現以下流程：
讀取所述目標用戶的授信狀態；
若所述目標用戶的授信狀態為未授信，基於所述授信額度對所述目標用戶進行授信處理；
若所述目標用戶的授信狀態為已授信，基於所述授信額度對所述目標用戶的初始授信額度進行調整；
若所述目標用戶的授信狀態為授信已用，基於所述目標用戶參與簽訂的作物經營合約中記錄的合約資訊，生成履約提醒並向所述目標用戶發送。
需要說明的是，本說明書中關於儲存媒體的實施例與本說明書中關於授信額度處理方法的實施例基於同一發明構思，因此該實施例的具體實施可以參見前述對應方法的實施，重複之處不再贅述。
本說明書提供的一種儲存媒體實施例如下：
對應上述描述的一種用戶資源處理方法，基於相同的技術構思，本說明書一個或多個實施例還提供一種儲存媒體。
本實施例提供的儲存媒體，用於儲存電腦可執行指令，所述電腦可執行指令在被執行時實現以下流程：
獲取目標用戶登錄的作物地塊的地塊資訊；
向所述目標用戶展示地理資訊頁面；
若檢測到在所述地理資訊頁面輸入的標注動作，確定所述標注動作對應的地塊邊界資訊；
基於所述地塊邊界資訊計算所述作物地塊的標注面積；
根據所述地塊資訊、所述標注面積以及所述目標用戶的用戶資料，對所述目標用戶的用戶資源進行資源操作處理。
可選的，所述根據所述地塊資訊、所述標注面積以及所述目標用戶的用戶資料，對所述目標用戶的用戶資源進行資源操作處理，包括：
將所述標注面積、所述地塊資訊以及所述用戶資料作為模型輸入，輸入額度分配模型進行授信額度分配，輸出針對所述作物地塊向所述目標用戶分配的專用授信額度；
讀取所述目標用戶的授信狀態；
若所述目標用戶的授信狀態為未授信，基於所述專用授信額度對所述目標用戶進行授信處理；
若所述目標用戶的授信狀態為已授信，基於所述專用授信額度對所述目標用戶的初始授信額度進行調整；
若所述目標用戶的授信狀態為授信已用，基於所述目標用戶參與簽訂的作物經營合約中記錄的合約資訊，生成履約提醒並向所述目標用戶發送。
可選的，所述根據所述地塊資訊、所述標注面積以及所述目標用戶的用戶資料，對所述目標用戶的用戶資源進行資源操作處理，包括：
基於所述地塊資訊中包含的地塊面積和所述標注面積，計算所述地塊資訊的置信度；
在所述置信度大於預設置信度閾值的情況下，基於所述置信度和所述用戶資料中包含的信用資料，更新所述目標用戶的信用等級。
可選的，所述根據所述地塊資訊、所述標注面積以及所述目標用戶的用戶資料，對所述目標用戶的用戶資源進行資源操作處理，包括：
確定所述地塊座標資訊在預先獲取的遙感影像中映射的遙感影像作物地塊；
根據預先識別並儲存的所述遙感影像作物地塊包含的影像單元的作物種類，確定所述作物地塊的作物種類；
基於所述標注面積和所述作物種類計算所述作物地塊的作物價值；
根據所述作物價值和所述作物種類對應的資源轉化率，計算所述地塊資訊對應的資源轉化數值；
基於所述資源轉化數值和所述目標用戶的資源偏好和/或資源狀態，生成所述作物地塊的資源管理策略。
可選的，所述根據所述地塊資訊、所述標注面積以及所述目標用戶的用戶資料，對所述目標用戶的用戶資源進行資源操作處理，包括：
確定所述地塊資訊中包含的地塊座標資訊對應的時間資訊；
基於所述時間資訊，確定所述地塊座標資訊在預先獲取的遙感影像中映射的遙感影像作物地塊；
根據預先識別並儲存的所述遙感影像作物地塊包含的影像單元的作物種類，確定所述作物地塊的作物種類；
基於所述作物種類、所述標注面積、所述地塊資訊中包含的地域資訊以及作物種類對應的作物價值波動，確定所述作物地塊的風險等級；
基於所述風險等級生成風險預警提示並向所述目標用戶展示。
可選的，所述根據所述地塊資訊、所述標注面積以及所述目標用戶的用戶資料，對所述目標用戶的用戶資源進行資源操作處理，包括：
將所述地塊邊界資訊以及對應的時間資訊輸入作物識別模型進行作物種類識別，獲得所述作物地塊的作物種類；
基於所述作物種類、所述標注面積和所述作物種類對應的作物屬性，計算所述作物地塊的作物價值；
根據所述作物價值和所述用戶資料確定所述目標用戶的保障額度。
可選的，所述基於所述地塊邊界資訊計算所述作物地塊的標注面積，包括：
確定所述地塊邊界資訊映射的經緯度座標資料；
基於所述經緯度座標資料，採用面積計算公式計算所述作物地塊的標注面積；
其中，所述面積計算公式包括：計算經緯度座標資料中與緯度座標數值相鄰的兩個緯度座標數值的差值與對應經度座標數值的乘積，並對經緯度座標資料中所有緯度座標數值對應的乘積進行求和，將求和結果的二分之一與座標轉換常數的乘積作為所述標注面積。
需要說明的是，本說明書中關於儲存媒體的實施例與本說明書中關於用戶資源處理方法的實施例基於同一發明構思，因此該實施例的具體實施可以參見前述對應方法的實施，重複之處不再贅述。
上述對本說明書特定實施例進行了描述。其它實施例在所附申請專利範圍的範圍內。在一些情況下，在申請專利範圍中記載的動作或步驟可以按照不同於實施例中的順序來執行並且仍然可以實現期望的結果。另外，在附圖中描繪的過程不一定要求示出的特定順序或者連續順序才能實現期望的結果。在某些實施方式中，多工處理和並行處理也是可以的或者可能是有利的。
在20世紀30年代，對於一個技術的改進可以很明顯地區分是硬體上的改進(例如，對二極體、電晶體、開關等電路結構的改進)還是軟體上的改進(對於方法流程的改進)。然而，隨著技術的發展，當今的很多方法流程的改進已經可以視為硬體電路結構的直接改進。設計人員幾乎都通過將改進的方法流程程式設計到硬體電路中來得到相應的硬體電路結構。因此，不能說一個方法流程的改進就不能用硬體實體模組來實現。例如，可程式設計邏輯器件(Programmable Logic Device，PLD)(例如現場可程式設計閘陣列(Field Programmable Gate Array，FPGA))就是這樣一種積體電路，其邏輯功能由用戶對器件程式設計來確定。由設計人員自行程式設計來把一個數位系統“集成”在一片PLD上，而不需要請晶片製造廠商來設計和製作專用的積體電路晶片。而且，如今，取代手工地製作積體電路晶片，這種程式設計也多半改用“邏輯編譯器(logic compiler)”軟體來實現，它與程式開發撰寫時所用的軟體編譯器相類似，而要編譯之前的原始代碼也得用特定的程式設計語言來撰寫，此稱之為硬體描述語言(Hardware Description Language，HDL)，而HDL也並非僅有一種，而是有許多種，如ABEL(Advanced Boolean Expression Language)、AHDL(Altera Hardware Description Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL(Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby Hardware Description Language)等，目前最普遍使用的是VHDL (Very-High-Speed Integrated Circuit Hardware Description Language)與Verilog。本領域技術人員也應該清楚，只需要將方法流程用上述幾種硬體描述語言稍作邏輯程式設計並程式設計到積體電路中，就可以很容易得到實現該邏輯方法流程的硬體電路。
控制器可以按任何適當的方式實現，例如，控制器可以採取例如微處理器或處理器以及儲存可由該(微)處理器執行的電腦可讀程式碼(例如軟體或韌體)的電腦可讀媒體、邏輯閘、開關、專用積體電路(Application Specific Integrated Circuit，ASIC)、可程式設計邏輯控制器和嵌入微控制器的形式，控制器的例子包括但不限於以下微控制器：ARC 625D、Atmel AT91SAM、Microchip PIC18F26K20以及Silicone Labs C8051F320，記憶體控制器還可以被實現為記憶體的控制邏輯的一部分。本領域技術人員也知道，除了以純電腦可讀程式碼方式實現控制器以外，完全可以通過將方法步驟進行邏輯程式設計來使得控制器以邏輯閘、開關、專用積體電路、可程式設計邏輯控制器和嵌入微控制器等的形式來實現相同功能。因此這種控制器可以被認為是一種硬體部件，而對其內包括的用於實現各種功能的裝置也可以視為硬體部件內的結構。或者甚至，可以將用於實現各種功能的裝置視為既可以是實現方法的軟體模組又可以是硬體部件內的結構。
上述實施例闡明的系統、裝置、模組或單元，具體可以由電腦晶片或實體實現，或者由具有某種功能的產品來實現。一種典型的實現設備為電腦。具體的，電腦例如可以為個人電腦、筆記型電腦、行動電話、相機電話、智慧型電話、個人數位助理、媒體播放機、導航設備、電子郵件設備、遊戲控制台、平板電腦、可穿戴設備或者這些設備中的任何設備的組合。
為了描述的方便，描述以上裝置時以功能分為各種單元分別描述。當然，在實施本說明書實施例時可以把各單元的功能在同一個或多個軟體和/或硬體中實現。
本領域內的技術人員應明白，本說明書一個或多個實施例可提供為方法、系統或電腦程式產品。因此，本說明書一個或多個實施例可採用完全硬體實施例、完全軟體實施例、或結合軟體和硬體方面的實施例的形式。而且，本說明書可採用在一個或多個其中包含有電腦可用程式碼的電腦可用儲存媒體(包括但不限於磁碟記憶體、CD-ROM、光學記憶體等)上實施的電腦程式產品的形式。
本說明書是參照根據本說明書實施例的方法、設備(系統)、和電腦程式產品的流程圖和／或方框圖來描述的。應理解可由電腦程式指令實現流程圖和／或方框圖中的每一流程和／或方框、以及流程圖和／或方框圖中的流程和／或方框的結合。可提供這些電腦程式指令到通用電腦、專用電腦、嵌入式處理機或其他可程式設計資料處理設備的處理器以產生一個機器，使得通過電腦或其他可程式設計資料處理設備的處理器執行的指令產生用於實現在流程圖一個流程或多個流程和／或方框圖一個方框或多個方框中指定的功能的裝置。
這些電腦程式指令也可儲存在能引導電腦或其他可程式設計資料處理設備以特定方式工作的電腦可讀記憶體中，使得儲存在該電腦可讀記憶體中的指令產生包括指令裝置的製造品，該指令裝置實現在流程圖一個流程或多個流程和／或方框圖一個方框或多個方框中指定的功能。
這些電腦程式指令也可裝載到電腦或其他可程式設計資料處理設備上，使得在電腦或其他可程式設計設備上執行一系列操作步驟以產生電腦實現的處理，從而在電腦或其他可程式設計設備上執行的指令提供用於實現在流程圖一個流程或多個流程和／或方框圖一個方框或多個方框中指定的功能的步驟。
在一個典型的配置中，計算設備包括一個或多個處理器(CPU)、輸入/輸出介面、網路介面和記憶體。
記憶體可能包括電腦可讀媒體中的非永久性記憶體，隨機存取記憶體(RAM)和/或非易失性記憶體等形式，如唯讀記憶體(ROM)或快閃記憶體(flash RAM)。記憶體是電腦可讀媒體的示例。
電腦可讀媒體包括永久性和非永久性、可移動和非可移動媒體可以由任何方法或技術來實現資訊儲存。資訊可以是電腦可讀指令、資料結構、程式的模組或其他資料。電腦的儲存媒體的例子包括，但不限於相變記憶體(PRAM)、靜態隨機存取記憶體(SRAM)、動態隨機存取記憶體(DRAM)、其他類型的隨機存取記憶體(RAM)、唯讀記憶體(ROM)、電可擦除可程式設計唯讀記憶體(EEPROM)、快閃記憶體或其他記憶體技術、唯讀光碟唯讀記憶體(CD-ROM)、數位多功能光碟(DVD)或其他光學儲存、磁盒式磁帶，磁帶磁片儲存或其他磁性存放裝置或任何其他非傳輸媒體，可用於儲存可以被計算設備訪問的資訊。按照本文中的界定，電腦可讀媒體不包括暫存電腦可讀媒體(transitory media)，如調製的資料信號和載波。
還需要說明的是，術語“包括”、“包含”或者其任何其他變體意在涵蓋非排他性的包含，從而使得包括一系列要素的過程、方法、商品或者設備不僅包括那些要素，而且還包括沒有明確列出的其他要素，或者是還包括為這種過程、方法、商品或者設備所固有的要素。在沒有更多限制的情況下，由語句“包括一個……”限定的要素，並不排除在包括所述要素的過程、方法、商品或者設備中還存在另外的相同要素。
本說明書一個或多個實施例可以在由電腦執行的電腦可執行指令的一般上下文中描述，例如程式模組。一般地，程式模組包括執行特定任務或實現特定抽象資料類型的常式、程式、物件、元件、資料結構等等。也可以在分散式運算環境中實踐本說明書的一個或多個實施例，在這些分散式運算環境中，由通過通信網路而被連接的遠端處理設備來執行任務。在分散式運算環境中，程式模組可以位於包括存放裝置在內的本地和遠端電腦儲存媒體中。
本說明書中的各個實施例均採用遞進的方式描述，各個實施例之間相同相似的部分互相參見即可，每個實施例重點說明的都是與其他實施例的不同之處。尤其，對於系統實施例而言，由於其基本相似於方法實施例，所以描述的比較簡單，相關之處參見方法實施例的部分說明即可。
以上所述僅為本說明書的實施例而已，並不用於限制本說明書。對於本領域技術人員來說，本說明書可以有各種更改和變化。凡在本說明書的精神和原理之內所作的任何修改、等同替換、改進等，均應包含在本說明書的申請專利範圍之內。In order to enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the following will describe the technical solutions in one or more embodiments of this specification in conjunction with the drawings in one or more embodiments of this specification The technical solution is clearly and completely described, and obviously, the described embodiments are only a part of the embodiments in this specification, rather than all the embodiments. Based on one or more embodiments of this specification, all other embodiments obtained by persons of ordinary skill in the art without creative efforts shall fall within the scope of protection of this specification. An embodiment of a credit line processing method provided in this specification: Referring to Figure 1, it shows a processing flow chart of a credit line processing method provided in this embodiment, and referring to Figure 2, it shows a credit application provided in this embodiment For the schematic diagram of the page, refer to FIG. 3, which shows a schematic diagram of a land parcel management page provided by this embodiment. Referring to FIG. 4, it shows a schematic diagram of the first map page provided by this embodiment. Referring to FIG. 5, It shows a schematic diagram of the second type of map page provided by this embodiment. Referring to FIG. 6 , it shows a processing flow chart of a credit line processing method applied to the scene of an agricultural loan project provided by this embodiment. Referring to FIG. 1 , the credit limit processing method provided in this embodiment includes step S102 to step S110 . Step S102, obtaining the target user's login identity information and the plot information of the crop plot. In practical applications, for traditional big growers in the fields of agriculture, forestry or aquatic planting, their income mainly depends on production and planting activities, depending on the area of crop planting and the type of crops. The activity itself is relatively low, so it is difficult to obtain a large amount when performing activities such as business loans, asset evaluation, contract signing, and credit analysis. The credit line processing method provided in this embodiment, for some target users in the list of major crop growers, combined with specific online applications or online services, opens exclusive credit processing channels for these target users, so that target users can use "self The information registration and labeling of the crop plots is carried out in the way of "Certificate". Specifically, the target user can log in the identity information and the plot information of the crop plots through the credit processing channel, and, through the credit processing channel provided on the map page, the crop land The labeling service of block labeling can improve the accuracy of crop plot labeling; further, on the basis of labeling crop plots, combine the plot area calculated after plot labeling, the plot information logged in by users, and target users conduct credit assessment based on the user information of the user, and allocate a more reasonable credit line to the user, so that the target user can obtain a credit line that is more in line with their actual asset status, and the provided credit line can provide convenience for the basic production and operation of the target user, and then Promote the improvement of production and operation efficiency of target users. The target user described in this embodiment refers to the user recorded in the preset user list (for example, the list of large planters). Specifically, the user who owns or contracts a large amount of land (such as more than 10 acres) can be used as the main economic Source growers are defined as large growers and included in the list of large growers. The list of major growers can be provided by a third-party organization, or the list of major growers can be determined after the offline survey of the growers, or the list of major growers can be generated based on the grower’s application based on the approved application. This is not limited. The identity information refers to information related to the identity of the target user, such as the grower's name, ID number and contact information. The crop plot refers to the land, paddy field or seawater planting area used to grow crops, forestry crops, aquatic crops and other surface-growing crops. The plot information includes the plot area of the crop plot, such as the value of the plot area in mu. In addition, the plot information logged by the target user may also be the type of crops planted in the crop plot, the coordinate information of the plot where the crop plot is located, and time information. It should be noted that, in this embodiment, a credit processing channel is opened for the target user in the preset user list, the credit processing channel is bound to the target application, and the target user's identity information and land parcel information are used to trigger the credit processing by the target user. In other words, the target user in the default user list can perform information login and credit limit processing through the credit processing channel bound to the target application, such as increasing the credit limit through login information during the use of the target application. Specifically, in an optional implementation mode provided by this embodiment, when the target user’s application processing request for the target application is detected, the trigger control item of the credit processing channel is displayed based on the application page of the target application, and the target The user triggers the credit processing channel by triggering the trigger control item. Among them, credit refers to the funds directly provided by banks, payment platforms and other institutions to users, or guarantees for compensation and payment responsibilities that users may have in related activities. Credit can be used for loans, bill mortgages, overdrafts, various On-balance sheet services such as advances can also be used for off-balance sheet services such as bill acceptance, letter of credit opening, and letter of guarantee. Credit line refers to the stock management index of short-term credit business approved by banks, payment platforms and other institutions for users. For example, the loan application on the payment platform is bound to a channel for increasing the credit line. When the growers in the list of large growers apply for loans on the loan application, the loan amount needs to be determined by referring to the credit line of the grower. Specifically, the grower When grower A in the list of large households is using the loan application to make a loan, the application page of the loan application is set with a withdrawal control item for the grower to handle the withdrawal process; grower A can click the application page of the loan application to set The amount increase control item triggers the credit limit increase channel, so that the credit limit increase process is performed through the credit limit increase channel. On the basis of granting credit to users and giving users corresponding credit lines, in order to support or help users' planting production and operation activities, users' credits are used as guarantee or mortgage to provide users with corresponding resources, so as to protect users' planting production and operation The activities can be maintained. Specifically, this embodiment provides users with credit guarantees or mortgage loans to enable the user's planting, production and operation activities to proceed normally. Specifically, it provides users with corresponding resources by signing a crop management contract with the user. Support or financial assistance, crop management contract refers to the contract signed by the user with the resource provider based on its own credit line, and the resources obtained after signing the crop management contract are agreed to be used for planting production and operation activities. Specifically, the user who signed the crop management contract can obtain corresponding funds from the loan provider. In addition, the user who signed the crop management contract can also obtain the planting production equipment required for planting production and operation activities from the equipment provider. , or, the user who signed the crop management contract can also obtain the planting raw materials required in the planting production and operation activities from the raw material provider, which is not limited. In an optional implementation mode provided in this embodiment, the crop management contract is specifically signed in the following manner: Obtain the application request submitted by the user by triggering the application control item configured on the contract application page of the target application; Whether the included application amount is less than or equal to the credit line; If so, based on the application amount and the plot information of the crop plot submitted by the user, sign the crop management contract with the user as the contract participant If not, it means that the amount applied by the user exceeds the credit limit of the user, and a reminder that the amount applied for exceeds the credit limit is sent to the user. For example, the loan application in the payment platform opens the function of applying for agricultural aid loans to the grower A. The grower A can apply for a loan for planting production and operation activities through the loan application. In the specific application process, enter the corresponding loan application amount, and pass Trigger the application control item configured on the application page of the loan application to submit the loan request. After obtaining the loan request submitted by the grower A, judge the loan application submitted by the grower A based on the loan application amount of the grower A carried in the loan request Whether the amount is greater than the credit line of grower A (assumed to be 10,000 yuan); if the amount of loan application submitted by grower A is less than 10,000 yuan, the farmer A will be the borrower and the fund provider will be the lender to sign a loan for agricultural operation At the same time, in the agricultural operation loan contract, the planter A's crop type as the plot, the coordinate information of the plot where the crop plot is located, and the plot information such as time information are recorded. As mentioned above, the prerequisite for the user to obtain resource support in planting production and operation activities is to use the user's credit as a guarantee or mortgage, and to deduct or freeze the corresponding amount from the user's credit line; optional Yes, the contract information in this embodiment includes the contract line of the crop management contract, and after the user signs the crop management contract based on the credit line, the credit line used to sign the crop management contract The used sub-quota corresponding to the contract amount mentioned in is frozen; correspondingly, the used sub-quota is restored after the user fulfills the performance terms recorded in the crop management contract. For example, the credit line of grower A is 10,000 yuan. If grower A applies for 6,000 yuan for planting, 6,000 yuan of the 10,000 yuan credit line will be frozen after signing the crop management contract; correspondingly, if grower A repays If part or all of the 6,000 yuan is paid, the repaid part will be unfrozen in the frozen credit line. Further, after detecting that the trigger control item of the credit processing channel is triggered, display the credit application page of the credit processing channel under the target application to the target user; wherein, the credit application page is configured with an information login interface and a credit application control item; The identity information and the plot information are registered based on the information registration interface. Correspondingly, the following step S104 displays the map page to the target user, and displays the map page to the target user when the application instruction submitted by the target user for the credit application control item is obtained. Following the above example, after detecting that the amount increase control item set on the application page of the loan application is triggered by the grower A, the application page for credit line increase processing is displayed to the grower A in the loan application, as shown in Figure 2 , the application page is configured with an information input window 201 and an application button 202, and the grower A can input the name, ID card, mobile phone number and the plot area of the crop plot to be registered through the information input window 201. Further, the credit application page is configured with plot management control items, if it is detected that the plot management control items are triggered, query the crop plots of the target user and display them based on the plot management page; When the return control item configured on the parcel management page is triggered, return to the credit application page. Still taking the loan application in the payment platform as an example, as shown in Figure 2, the application page is also equipped with a plot addition button 203, if the plot addition button 203 is triggered by grower A, then enter the plot shown in Figure 3 On the management page, the plot management page displays 5 crop plots that grower A has added: plot 1 is a crop plot for growing wheat, plot 2 is a crop plot for growing potatoes, and plot 3 is for growing corn , plot 4 is a crop plot for rice, and plot 5 is a crop plot for soybeans; if grower A wants to continue adding crop plots on the plot management page, click Add plot The button 301 can be added. Specifically, after the Add plot button 301 is clicked, the map page shown in FIG. 4 is entered; if the grower A completes the addition of the crop plot, he can return to FIG. 2 by clicking the return application button 302 The application page shown. In practical applications, the screen size of the terminal device carried by the target user is often limited, and the map accuracy of the map page displayed on the terminal device is also limited. In this case, if the crop plot of the target user is small, It is difficult to mark the corresponding crop plots on the map page, or the area of the marked crop plots is very small, resulting in low labeling accuracy of the crop plots. In an optional implementation mode provided in this embodiment, in order to To improve the target user's labeling experience on the map page, and improve the accuracy of the target user's crop plot labeling, by judging whether the plot area contained in the plot information is greater than the preset area threshold, to decide whether to use the map page labeling If the area of the plot contained in the plot information is greater than the preset area threshold, the following step S104 will be executed to display the map page to the target user; on the other hand, if the plot information If the plot area included in is less than or equal to the preset area threshold, then the crop plots are added with the help of the terminal device of the target user. Specifically, first obtain the positioning data of the terminal device of the target user, and then determine the location data based on the positioning data. The second plot boundary information of the crop plot; secondly, based on the second plot boundary information, the second marked area of the crop plot is calculated; finally, according to the second marked area and the user data, the The third credit line of the target user. The user information includes the information of the target user in various dimensions, for example, the credit investigation data of the grower in the credit dimension, the asset information in the asset dimension, and the application usage information in the application dimension. For example, the area of the crop plot entered by grower B on the application page shown in Figure 2 is 4.8 mu, which is smaller than the preset area threshold of 8 mu for marking the crop plot by using the map page labeling method. In this case Next, the GPS positioning data of the mobile terminal carried by grower B is used as the plot boundary information of the crop plot to be added by grower B. According to this logic, if grower B carries the mobile terminal around the crop plot to be added If the block moves for a week, the GPS positioning data of the mobile terminal carried by the grower B can determine the overall plot boundary information of the crop plot to be added, and the plot area of the crop plot to be added can be calculated accordingly. Further, based on the calculated plot area and combined with the user information of grower B, the credit line of grower B is determined. The process of determining the credit line here is similar to the following step S110. Please refer to the specific implementation process provided in step S110. This will not be repeated here. Step S104, displaying a map page to the target user. During the specific implementation, in the process of displaying the map page to the target user, in order to facilitate the target user to mark the crop plot based on the displayed map page, the plot area can be included in the plot information registered by the target user, according to the plot area and The corresponding relationship of map accuracy on the map page, adjust the map accuracy displayed on the map page to the accuracy that matches the area of the plot, so as to improve the efficiency of target users' subsequent labeling of crop plots on the map page. In addition, during specific implementation, in order to facilitate the target user to view the addition process of the crop plot more intuitively and enhance the target user's perception of the process of adding the crop plot, in an optional implementation mode provided in this embodiment, when showing the target user On the basis of the map page, obtain the positioning data of the terminal device of the target user, further determine the coordinate information mapped by the positioning data in the map coordinates to which the map page belongs, and update the coordinate information on the map page The corresponding coordinates are identified, the plot area of the crop plot is calculated based on the positioning data, and the second credit line of the target user is determined according to the plot area, the plot information and the user data. For example, on the map page shown in Figure 4, if the map page is a map page displayed to the grower C, then according to the GPS positioning data of the mobile terminal carried by the grower C, determine the corresponding coordinates of the GPS positioning data in the map page location, and the corresponding mark is displayed on the map page. According to this logic, if grower C moves around the crop plot to be added with a mobile terminal, the GPS positioning of the mobile terminal carried by grower C Data, the overall plot boundary information of the crop plot to be added can be determined, and the closed plot boundary mark will be displayed on the map page. Based on this, the plot area of the crop plot to be added can be calculated, and further based on The calculated plot area is combined with the plot information registered by grower C and the user information of grower C to determine the credit limit of grower C. The process of determining the credit limit here is similar to the following step S110. Please refer to step S110 for details. The specific implementation process will not be repeated here. Step S106 , if the labeling action input on the map page is detected, determine the parcel boundary information corresponding to the labeling action. Specifically, in the process of determining the block boundary information corresponding to the labeling action, first, according to the labeling action input by the target user on the map page, determine the map boundary information corresponding to the labeling action on the map page, namely: Determine the plot boundary of the crop plot in the map dimension; then, according to the mapping relationship between the map position of the map dimension and the geographic location of the latitude of the actual geographical area, determine the geographical location boundary information corresponding to the map boundary information, as the corresponding labeling action Parcel boundary information for . For example, according to the marking action input by grower A on the map page shown in Figure 4, determine the map boundary information corresponding to the marking action input by grower A on the map page, and display the map boundary information on the map page, as shown in Figure 5 and, according to the mapping relationship between the map boundary information and the latitude and longitude information on the map page, determine the latitude and longitude information corresponding to the marking action input by the grower A. In addition, in the process of determining the plot boundary information corresponding to the labeling action, the map boundary information can also be used as the plot boundary information corresponding to the labeling action, and the subsequent step S108 calculates the labeling of the crop plot In the process of area, the map boundary information is converted into actual boundary information, and then the marked area is calculated based on the actual boundary information. In practical applications, the information login process or crop plot labeling process of the target user is often interrupted. For example, when a grower is interrupted when adding multiple crop plots, he exits the application page shown in Figure 2 or exits the application page shown in Figure 3. In this case, if the target user wants to continue the previously interrupted information login process or crop plot labeling process, he needs to re-execute the previously executed information login process or crop plot labeling process. In an optional implementation mode provided in this embodiment, in order to prevent the target user from repeatedly performing the information login process or the crop plot labeling process, the interrupted processing process is recovered in the following manner: 1) Store the target user's login Identity information, the land parcel information and/or the land parcel boundary information; 2) In the case of detecting a secondary application instruction submitted by the target user for the credit application control item, determine the validity of the secondary application instruction Whether the time span between the submission time and the submission time of the application instruction is greater than a preset time threshold; if so, read the stored identity information, the land parcel information and/or the land parcel boundary information, and The identity information and the land parcel information are updated to the credit application page and displayed, and/or, the coordinate identification corresponding to the land parcel boundary information is updated to the map page and displayed; if not, it indicates the target user The time span between the time of information registration or crop plot labeling again and the time of previous information registration or crop plot labeling is relatively large, and a corresponding reminder is sent to the target user or no processing is required. Step S108, calculating the labeled area of the crop plot based on the plot boundary information. In this embodiment, the marked area of the crop plot of the target user is calculated by using the latitude and longitude data. Optionally, in the specific calculation process, the latitude and longitude coordinate data of the boundary information map of the plot is first determined, and then based on the latitude and longitude coordinates data, using the area calculation formula to calculate the marked area of the crop plot; wherein, the area calculation formula includes: calculating the difference between the two latitude coordinate values adjacent to the latitude coordinate value in the longitude and latitude coordinate data and the corresponding longitude coordinate value , and sum the products corresponding to all latitude and longitude coordinate values in the latitude and longitude coordinate data, and take the product of one-half of the summation result and the coordinate conversion constant as the labeled area. For example, after grower A marks on the map page, the boundary of the crop plot displayed on the map page is shown in Figure 5. According to the determined plot boundary information of grower A, the latitude and longitude coordinates of the crop plot of grower A are determined The information is: ( , ), ( , ),···( , ); Then calculate the plot area S of the crop plot of grower A according to the following formula: ; Among them, in the formula is the coordinate conversion constant; finally, the plot area calculated based on this formula is 1403 mu 3 fen. Step S110: Determine the credit line of the target user according to the marked area, the land plot information, and the user information obtained based on the identity information. As mentioned above, the user information of the target user includes the information of the target user in various dimensions, for example, the credit data of the grower in the credit dimension, the asset information in the asset dimension, and the application usage information in the 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 information of the target user is to comprehensively evaluate the credit line of the target user by combining the multi-dimensional data of the target user, so as to increase the credit line The accuracy and comprehensiveness of the assessment. In specific implementation, on the basis of the above-mentioned calculation of 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, the In an optional implementation manner, the calculated labeled area is compared with the plot area contained in the plot information; if the comparison result is that the marked area is smaller than or equal to the plot area, according to the The marked area and the user information determine the special credit line as the credit line of the target user; if the comparison result is that the marked area is greater than the land area, determine the special credit line according to the land area and the user data. The credit limit is used as the credit limit of the target user. Specifically, in an optional implementation mode provided by this embodiment, in the process of determining the dedicated credit line according to the marked area and the user information, by inputting the marked area and the user information as a model, the input line The allocation model allocates the credit line, and outputs the dedicated credit line assigned to the target user for the crop plot 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 dedicated credit line according to the area of the land contained in the information of the land and the data of the user, by using the area of the land contained in the information of the land and the data of the user as a model Inputting, inputting the quota allocation model to allocate the credit quota, and outputting the dedicated credit quota assigned to the target user for the crop plot as the credit quota. In addition, in the specific implementation, in the process of determining the credit line of the target user, in order to further improve the accuracy of the target user's credit line, the credit line can also be determined based on the crop value of the target user's crop plot, thereby determining The credit line of the target user is more in line with the actual asset status of the target user, and is more in line with the actual repayment ability of the user. In an optional implementation mode provided by this embodiment, the land boundary information and corresponding time information are input into the crop identification model Carry out crop type identification to obtain the crop type of the crop plot; then calculate the crop value of the crop plot based on the crop type, the marked area and the crop attribute corresponding to the crop type; finally according to the The crop value and the user profile determine the fourth credit line of the target user. In practical applications, different target users may apply for the credit line due to different needs, or they may be in different credit statuses when applying for the credit line. For example, some growers have not opened the credit service when applying for the credit line, or some Some growers have already opened the credit service and have a certain credit line when they apply for the credit line, or some growers have already used their credit line through loans or mortgages when applying for the credit line. This embodiment provides an optional In the implementation manner, in order to improve the user experience of the target user, starting from the credit status of the target user, target users with different credit status are targeted. Specifically, the credit status of the target user is read; if the target user If the credit status of the target user is uncredited, the target user is credited based on the credit amount; if the target user's credit status is credited, the initial credit amount of the target user is adjusted based on the credit amount; If the credit status of the target user is credit used, based on the contract information recorded in the crop management contract signed by the target user, a performance reminder is generated and sent to the target user. In addition, it should be noted that the above implementation of determining the credit line of the target user based on the marked area, the land parcel information, and the user information obtained based on the identity information, according to the scene characteristics of different application scenarios, It can also be replaced by corresponding processing actions in different application scenarios. The following provides specific implementation methods in five different implementation scenarios: The first implementation method: the marked area, the plot information and the user information As the model input, input the quota distribution model to carry out credit quota allocation, and output the special credit quota assigned to the target user for the crop plot; read the credit status of the target user; if the credit status of the target user is Uncredited, performing credit processing on the target user based on the dedicated credit line; If the credit status of the target user is credited, adjusting the initial credit line of the target user based on the dedicated credit line; The credit status of the target user is credit used, and based on the contract information recorded in the crop management contract signed by the target user, a performance reminder is generated and sent to the target user. The second implementation method: calculate the confidence degree of the land parcel information based on the land parcel area contained in the land parcel information and the marked area; when the confidence degree is greater than the preset confidence threshold, based on The confidence level and the credit data included in the user data update the credit rating of the target user. The third implementation method: determine the remote sensing image crop plot mapped in the pre-acquired remote sensing image by the coordinate information of the plot; The crop type of the crop plot; Calculate the crop value of the crop plot based on the marked area and the crop type; Calculate the crop value according to the crop value and the resource conversion rate corresponding to the crop type, calculate the plot The resource conversion value corresponding to the information; based on the resource conversion value and the resource preference and/or resource status of the target user, a resource management strategy for the crop plot is generated. The fourth implementation method: Determine the time information corresponding to the coordinate information of the plot contained in the plot information; Based on the time information, determine the remote sensing image crop location mapped by the plot coordinate information in the pre-acquired remote sensing image Block; According to the pre-identified and stored crop types of the image units contained in the remote sensing image crop plots, determine the crop types of the crop plots; based on the crop types, the marked area, and the plot information The included regional information and the crop value fluctuation corresponding to the crop type determine the risk level of the crop plot; generate a risk warning prompt based on the risk level and display it to the target user. The fifth implementation method: Input the land parcel boundary information and corresponding time information into the crop identification model to identify the crop type, and obtain the crop type of the crop land; based on the crop type, the marked area and the The crop attribute corresponding to the crop type, and the crop value of the crop plot is calculated; and the guarantee amount of the target user is determined according to the crop value and the user information. The following takes the application of a credit line processing method provided in this embodiment in the agricultural loan project scenario as an example to further explain the credit line processing method provided in this embodiment. See Figure 6, credit applied to the agricultural loan project scenario The quota processing method specifically includes step S602 to step S622. Step S602, obtaining the identity information of the grower after triggering the credit processing channel on the project page of the agricultural aid loan project, and the plot information of the crop plot. Specifically, when a grower's application request for an agricultural loan project is detected, the trigger control item of the credit processing channel is displayed based on the project page of the agricultural loan project; after the trigger control item is detected to be triggered, the grower It shows the credit application page of the credit processing channel under the agricultural aid loan project; among them, the credit application page is configured with an information login interface and credit application control items; the identity information and land plot information of the grower are registered based on the information login interface. In addition, the credit application page is also configured with land management control items. Among them, identity information refers to information related to the identity of the grower, such as the name, ID number and contact information of the grower. Crop plots refer to land, paddy fields or seawater planting areas used to grow crops, forestry crops, aquatic crops and other surface-growing crops. Lot information, including the area of the crop plot, such as the value of the plot area in mu. Step S604, when the application instruction submitted by the grower for the credit application control item is obtained, display the map page to the grower. Step S606, if the labeling action input by the grower on the map page is detected, determine the boundary information of the plot corresponding to the labeling action. Specifically, in the process of determining the boundary information of the plot corresponding to the labeling action, firstly, according to the labeling action input by the grower on the map page, determine the map boundary information corresponding to the labeling action on the map page, that is: determine the crop plot in the map dimension The plot boundary; then according to the mapping relationship between the map position of the map dimension and the geographic location of the latitude of the actual geographical area, determine the geographic location boundary information corresponding to the map boundary information, and use it as the plot boundary information corresponding to the labeling 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, the longitude and latitude coordinate data of the crop plot of the determined grower are: ( , ), ( , ),···( , ); Then calculate the plot area S of the crop plot of grower A according to the following formula: ; in, is the coordinate conversion constant. Step S610, comparing the marked area with the area of the land parcel contained in the land parcel information. Step S612, if the comparison result shows that the marked area is less than or equal to the area of the plot, determine the dedicated credit line according to the marked area and the grower's user information, and use it as the grower's dedicated credit line. Specifically, in the process of determining the dedicated credit line according to the marked area and user information, in the process of determining the credit line of the target user, by using the marked area and user information as model input, the input line allocation model is used to allocate the credit line, and the output is for A dedicated line of credit allocated to growers by crop plots. Step S614, if the comparison result shows that the marked area is greater than the area of the plot, determine a dedicated credit line according to the plot area and the grower's user information, and use it as the grower's dedicated credit line. Step S616, read the credit status of the grower. Step S618, if the credit status of the grower is uncredited, perform credit processing on the grower based on the dedicated credit line. Step S620, if the credit status of the grower is credit granted, adjust the initial credit limit of the grower based on the dedicated credit limit. Step S622, if the credit status of the grower is credit used, based on the contract information recorded in the agricultural operation loan contract of the agricultural aid loan project signed by the grower, a performance reminder is generated and sent to 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, and the user resource processing method specifically includes steps S702 to S710. Step S702, obtaining the plot information of the crop plot registered by the target user. The user resource processing method provided in this embodiment obtains the plot information of the crop plot of the target user, and marks the crop plot of the target user, and further, on the basis of marking the crop plot, combines the plot The plot area calculated after marking, the plot information logged in by the user, and the user information of the target user conduct a credit evaluation on the target user, and allocate a more reasonable credit line to the user, so as to manage the user resources of the target user more effectively , and then promote the improvement of the production and operation efficiency of the target users. The crop plot refers to the land, paddy field or seawater planting area used to grow crops, forestry crops, aquatic crops and other surface-growing crops. The plot information includes one or more of the plot area of the crop plot, the type of crop, the coordinate information of the plot where the crop plot is located, and time information. In this embodiment, a credit processing channel is opened for the target user in the default user list, the credit processing channel is bound to the target application, and the target user's plot information is logged in after the target user triggers the credit processing channel, in other words, the default The target user in the user list can perform information login and credit limit processing through the credit processing channel bound to the target application, for example, during the use of the target application, the credit limit can be increased through the login information; specifically, this implementation In an optional implementation mode provided by the example, when the target user’s application processing request for the target application is detected, the trigger control item of the credit processing channel is displayed based on the application page of the target application, and the target user triggers the trigger control item by triggering the to trigger the credit processing channel. Among them, credit refers to the funds directly provided by banks, payment platforms and other institutions to users, or guarantees for compensation and payment responsibilities that users may have in related activities. Credit can be used for loans, bill mortgages, overdrafts, various On-balance sheet services such as advances can also be used for off-balance sheet services such as bill acceptance, letter of credit opening, and letter of guarantee. Credit line refers to the stock management index of short-term credit business approved by banks, payment platforms and other institutions for users. Further, after detecting that the trigger control item of the credit processing channel is triggered, display the credit application page of the credit processing channel under the target application to the target user; wherein, the credit application page is configured with an information login interface and a credit application control item; The land parcel information is registered based on the information registration interface. Step S704, showing the geographic information page to the target user. During the specific implementation, in the process of displaying the geographic information page to the target user, in order to facilitate the target user to mark the crop plot based on the displayed geographic information page, according to the plot area included in the plot information logged by the target user, according to the plot The corresponding relationship between the area and the accuracy of the geographic information page, adjust the accuracy displayed on the geographic information page to the accuracy that matches the area of the plot, so as to improve the efficiency of target users' subsequent labeling of crop plots on the geographic information page. Wherein, the geographical information page may be a map page, or an image page of a remote sensing image. In addition, the geographic information page may also be a page related to geographic information for labeling plots, such as a real-scene image page of a certain area. Step S706, if the labeling action input on the geographic information page is detected, determine the parcel boundary information corresponding to the labeling action. Specifically, in the process of determining the block boundary information corresponding to the marking action, firstly, according to the marking action input by the target user on the geographic information page, determine the page boundary information corresponding to the marking action in the geographic information page, That is: determine the plot boundary of the crop plot in the dimension of the geographic information page; then determine the geographic location boundary information corresponding to the page boundary information according to the mapping relationship between the position of the geographic information page dimension and the geographic location of the latitude of the actual geographic area, as The plot boundary information corresponding to the labeling action. Step S708, calculating the labeled area of the crop plot based on the plot boundary information. In this embodiment, the marked area of the crop plot of the target user is calculated by using the latitude and longitude data. Optionally, in the specific calculation process, the latitude and longitude coordinate data of the boundary information map of the plot is first determined, and then based on the latitude and longitude coordinates data, using the area calculation formula to calculate the marked area of the crop plot; wherein, the area calculation formula includes: calculating the difference between the two latitude coordinate values adjacent to the latitude coordinate value in the longitude and latitude coordinate data and the corresponding longitude coordinate value , and sum the products corresponding to all latitude and longitude coordinate values in the latitude and longitude coordinate data, and take the product of one-half of the summation result and the coordinate conversion constant as the labeled area. For example, after grower A marks on the map page, the boundary of the crop plot displayed on the map page is shown in Figure 5. According to the determined plot boundary information of grower A, the latitude and longitude coordinates of the crop plot of grower A are determined The information is: ( , ), ( , ),···( , ); Then calculate the plot area S of the crop plot of grower A according to the following formula: ; Here, in the formula is the coordinate conversion constant. Step S710: Perform resource operation processing on the user resources of the target user according to the land plot information, the marked area, and the user profile of the target user. In an optional implementation manner provided in this embodiment, in the process of resource operation processing on the user resources of the target user, in order to improve the user experience of the target user, starting from the credit status of the target user, the The target user performs targeted processing, and the specific implementation is as follows: 1) Input the marked area, the plot information and the user data as a model, input the credit allocation model to allocate the credit line, and output the crop plot for the crop plot. The dedicated credit line assigned by the target user; 2) Read the credit status of the target user; 3) If the target user's credit status is uncredited, perform credit processing on the target user based on the dedicated credit line ; 4) If the credit status of the target user is already credited, adjust the initial credit line of the target user based on the dedicated credit line; 5) If the credit status of the target user is credit used, based on the According to the contract information recorded in the crop management contract signed by the target user, a performance reminder is generated and sent to the target user. In another optional implementation mode provided in this embodiment, in order to improve the credibility of the user credit rating from the credit dimension, the land parcel information is calculated based on the land parcel area contained in the land parcel information and the marked area confidence level; if the confidence level is greater than a preset confidence level threshold, update the credit level of the target user based on the confidence level and the credit information included in the user profile. The following takes the application of a user resource processing method provided in this embodiment in the security project scenario as an example to further explain the user resource processing method provided in this embodiment. See Figure 8, the user resource processing method applied to the security project scenario, Specifically, steps S802 to S818 are included. Step S802, obtaining the plot information of the crop plot registered by the grower after triggering the credit processing channel on the project page of the guarantee project. Guarantee projects include projects that provide guarantee services for the crops grown in the growers' crop plots, and projects that provide guarantee services for the growers' planting and production activities or the expected income from planting and production activities. For example, agricultural insurance programs that insure growers of crops grown in their crop plots. Step S804, when the application instruction submitted by the grower for the credit application control item is obtained, display the map page to the grower. Step S806, if the marking action input by the grower on the map page is detected, determine the boundary information of the plot corresponding to the marking action. 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 included in the land information. Step S812, if the comparison result shows that the marked area is less than or equal to the area of the plot, input the plot boundary information and corresponding time information into the crop identification model to identify the crop type, and obtain the crop type of the crop plot. Step S814, based on the crop type, the marked area and the crop attribute corresponding to the crop type, calculate the crop value of the crop plot. Step S816, determine the guarantee amount of the grower according to the crop value and user information. Step S818, recommending a guarantee project to the grower based on the guarantee amount, or recommending a guarantee project to the grower based on the type of crop and/or the value of the crop. The following takes the application of a user resource processing method provided in this embodiment in a user resource management scenario as an example to further explain the user resource processing method provided in this embodiment. See FIG. 9 , user resource processing applied to a user resource management scenario The method specifically includes step S902 to step S918. Step S902, obtaining the coordinate information of the crop plot registered by the grower. Step S904, showing the geographic information page to the grower. Step S906, if the labeling action input by the grower on the geographic information page is detected, determine the parcel boundary information corresponding to the labeling 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 in the pre-acquired remote sensing image by the coordinate information of the plot. Step S912, according to the crop types of the image units contained in the pre-identified and stored remote sensing image crop plots, determine the crop types of the crop plots. Step S914, calculating the crop value of the crop plot based on the marked area and crop type of the crop plot. Step S916, according to the crop value and the resource conversion rate corresponding to the crop type, calculate the resource conversion value corresponding to the plot information. Step S918, based on the resource conversion value and the resource preference and/or resource status of the grower, a resource management strategy for the crop plot is generated. It should be noted that, similar to the specific implementation of the above steps S908 to S918, the resource management policy generation process in the user resource management scenario provided by the above steps S908 to S918 can also be replaced by the user resource management policy in the user resource management scenario. The resource risk early warning process, specifically, the user resource risk early warning process in the user resource management scenario is specifically implemented as follows: 1) Determine the time information corresponding to the plot coordinate information contained in the plot information; 2) Determine the plot based on the time information The remote sensing image crop plot mapped in the pre-acquired remote sensing image by the coordinate information; 3) Determine the crop type of the crop plot based on the crop type of the image unit contained in the pre-identified and stored remote sensing image crop plot; 4) Based on the crop The type, marked area, regional information contained in the plot information and the crop value fluctuation corresponding to the crop type determine the risk level of the crop plot; 5) Generate a risk warning prompt based on the risk level and display it to the grower. An embodiment of a credit line processing device provided in this 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 , it shows a schematic diagram of a credit line processing device provided in this embodiment. Since the device embodiment corresponds to the method embodiment, the description is relatively simple. For relevant parts, please refer to the corresponding description of the method embodiment provided above. The device embodiments described below are illustrative only. This embodiment provides a credit line processing device, including: an information acquisition module 1002 configured to acquire identity information logged in by a target user and plot information of a crop plot; a map page display module 1004 configured to present to all The target user displays a map page; the parcel boundary information determination module 1006 is configured to determine the parcel boundary information corresponding to the labeling action when the labeling action input on the map page is detected; labeling area calculation The module 1008 is configured to calculate the marked area of the crop plot based on the plot boundary information; the credit limit determination module 1010 is configured to The user information obtained from the information is used to determine the credit line of the target user. Optionally, the identity information and the plot information are logged in after the target user triggers a credit processing channel, the credit processing channel is open to the target users recorded in the preset user list, and the credit processing channel and target application binding; when detecting the target user's application processing request for the target application, displaying the trigger control item of the credit processing channel based on the application page of the target application, and the target user triggers the The trigger control item is used to trigger the credit processing channel. Optionally, after detecting that the trigger control item is triggered, display the credit application page of the credit processing channel under the target application to the target user; wherein, the credit application page is configured with an information login interface and credit application control item; the identity information and the land plot information are logged in based on the information login interface; correspondingly, the map page display module 1004 is specifically configured to obtain the In the case of an application instruction submitted by the credit application control item, the map page is displayed to the target user. Optionally, the credit application page is configured with a plot management control item, and if it is detected that the plot management control item is triggered, query the crop plot of the target user and display it based on the plot management page; When the return control item configured on the parcel management page is triggered, return to the credit application page. Optionally, the credit line processing device further includes: a storage module configured to store the identity information, the land parcel information and/or the land parcel boundary information registered by the target user; time judgment A module configured to, in the case of detecting a second application instruction submitted by the target user for the credit application control item, determine whether the time between the submission time of the second application instruction and the submission time of the application instruction is Whether the time span of the time span is greater than the preset time threshold; if so, run the display module; the display module is configured to read the stored identity information, the plot information and/or the plot boundary information, And update the identity information and the plot information to the credit application page and display, and/or update the coordinate identification corresponding to the plot boundary information to the map page and display. Optionally, the credit limit processing device further includes: a positioning data acquisition module, configured to obtain the positioning data of the terminal device of the target user; a coordinate identification updating module, configured to determine that the positioning data is in The coordinate information mapped in the map coordinates to which the map page belongs, and updating the coordinate identification corresponding to the coordinate information in the map page; the plot area calculation module is configured to calculate the crop area based on the positioning data The plot area of the block; the second credit limit determination module is configured to determine the second credit limit of the target user according to the plot area, the plot information and the user data. Optionally, the credit line processing device further includes: a land area judging module configured to judge whether the land area contained in the land information is greater than a preset area threshold; if so, run the map page Display module 1004; If not, run the second positioning data acquisition module, the second plot boundary information determination module, the second marked area calculation module and the third credit line determination module; the second positioning data acquisition A module configured to obtain positioning data of the target user's terminal device; the second plot boundary information determination module configured to determine a second plot boundary of the crop plot based on the positioning data information; the second marked area calculation module is configured to calculate the second marked area of the crop plot based on the second plot boundary information; the third credit limit determination module is configured to The second marked area and the user information determine the third credit line of the target user. Optionally, the labeled area calculation module 1008 includes: a latitude and longitude coordinate data determination submodule configured to determine the latitude and longitude coordinate data of the plot boundary information map; a labeled area calculation submodule configured to be based on For the latitude and longitude coordinate data, an area calculation formula is used to calculate the marked area of the crop plot; wherein, the area calculation formula includes: calculating the difference between two latitude coordinate values adjacent to the latitude coordinate value in the latitude and longitude coordinate data and Corresponding to the product of the longitude coordinate values, sum the products corresponding to all the latitude coordinate values in the longitude and latitude coordinate data, and use the product of one-half of the summation result and the coordinate conversion constant as the labeled area. Optionally, the credit line determination module 1010 includes: a land area comparison sub-module configured to compare the marked area with the land area contained in the land information; first The dedicated credit limit determination sub-module is configured to determine a dedicated credit limit according to the marked area and the user information if the comparison result is that the marked area is less than or equal to the land area, as the target user's Credit limit; the second dedicated credit limit determination sub-module is configured to determine a dedicated credit limit according to the plot area and the user information if the comparison result is that the marked area is greater than the land area, as the The credit line of the target user. Optionally, the first dedicated credit line determination sub-module is specifically configured to input the marked area and the user information as a model, input a line allocation model to allocate credit line, and output the output for the crop plot The credit line allocated to the target user is used as the dedicated credit line. Optionally, the credit line processing device further includes: a crop type determination module configured to input the land parcel boundary information and corresponding time information into a crop identification model for crop type identification, and obtain the crop land The crop type; The crop value calculation module is configured to calculate the crop value of the crop plot based on the crop type, the marked area and the crop attributes corresponding to the crop type; the fourth credit line determination module , configured to determine a fourth credit line of the target user according to the crop value and the user profile. Optionally, the credit line processing device further includes: a credit status reading module configured to read the target user's credit status; a first credit processing module configured to read the target user's credit status if the target user's The credit status is uncredited, and credit processing is performed on the target user based on the credit line; the second credit processing module is configured to process the target user based on the credit line if the credit status of the target user is credit The initial credit line of the target user is adjusted; the third credit processing module is configured to, if the credit status of the target user is credit used, generate A fulfillment reminder is sent to the target user. An embodiment of a user resource processing device provided in the specification is as follows: In the foregoing embodiments, a user resource processing method is provided, and correspondingly, a user resource processing device is also provided, which will be described below with reference to the accompanying drawings. Referring to FIG. 11 , it shows a schematic diagram of an apparatus for processing user resources provided by this embodiment. Since the device embodiment corresponds to the method embodiment, the description is relatively simple. For relevant parts, please refer to the corresponding description of the method embodiment provided above. The device embodiments described below are illustrative only. This embodiment provides a user resource processing device, including: a plot information acquisition module 1102 configured to acquire plot information of crop plots logged in by a target user; a geographic information page display module 1104 configured to present to the The target user displays the geographic information page; the parcel boundary information determination module 1106 is configured to determine the parcel boundary information corresponding to the labeling action when the labeling action input on the geographic information page is detected; labeling area The calculation module 1108 is configured to calculate the marked area of the crop plot based on the plot boundary information; the resource operation processing module 1110 is configured to calculate the marked area according to the plot information, the marked area and the target The user profile of the user is used to perform resource operation processing on the user resource of the target user. Optionally, the resource operation processing module 1110 includes: a dedicated credit line determination sub-module, configured to input the marked area, the land plot information, and the user data as a model, and input the line allocation model Allocating the credit line, outputting the dedicated credit line assigned to the target user for the crop plot; the credit status reading sub-module configured to read the credit status of the target user; the first credit processing sub-module group, configured to perform credit processing on the target user based on the dedicated credit line if the credit status of the target user is uncredited; the second credit processing sub-module is configured to perform credit processing on the target user if the credit status of the target user The state is credit granted, and the initial credit line of the target user is adjusted based on the dedicated credit line; the third credit processing submodule is configured to: if the credit state of the target user is credit used, based on the The contract information recorded in the crop management contract signed by the target user, generates a performance reminder and sends it to the target user. Optionally, the resource operation processing module 1110 includes: a confidence degree calculation sub-module configured to calculate the value of the land parcel information based on the land parcel area contained in the land parcel information and the marked area. Confidence degree; the credit level update sub-module, configured to update the target user's credit information based on the confidence degree and the credit data contained in the user data if the confidence degree is greater than a preset confidence threshold. credit rating. Optionally, the resource operation processing module 1110 includes: a remote sensing image crop plot determination sub-module configured to determine the remote sensing image crop plot mapped in the pre-acquired remote sensing image by the coordinate information of the plot; The crop type determination submodule is configured to determine the crop type of the crop plot according to the pre-identified and stored crop types of the image units contained in the remote sensing image crop plot; the crop value calculation submodule is configured To calculate the crop value of the crop plot based on the marked area and the crop type; the resource conversion value calculation sub-module is configured to calculate the value of the crop according to the crop value and the resource conversion rate corresponding to the crop type. The resource conversion value corresponding to the plot information; the resource management strategy generation sub-module is configured to generate the resource management of the crop plot based on the resource conversion value and the resource preference and/or resource status of the target user Strategy. Optionally, the resource operation processing module 1110 includes: a time information determination sub-module configured to determine the time information corresponding to the coordinate information of the plot contained in the plot information; the second remote sensing image crop plot The determination sub-module is configured to determine the remote sensing image crop plot mapped in the pre-acquired remote sensing image by the coordinate information of the plot based on the time information; the second crop type determination sub-module is configured to determine according to the pre-acquired identify and store the crop types of the image units contained in the remote sensing image crop plots, and determine the crop types of the crop plots; the risk level determination sub-module is configured to be based on the crop types, the marked area, The regional information included in the plot information and the crop value fluctuations corresponding to the crop types determine the risk level of the crop plot; the risk warning prompt display sub-module is configured to generate a risk warning prompt based on the risk level and Shown to said target audience. Optionally, the resource operation processing module 1110 includes: a crop type identification sub-module configured to input the plot boundary information and corresponding time information into a crop identification model for crop type identification, and obtain the crop type identification sub-module. The crop type of the block; The second crop value calculation submodule is configured to calculate the crop value of the crop plot based on the crop type, the marked area and the crop attribute corresponding to the crop type; Determination of the guarantee amount A sub-module configured to determine the guarantee amount of the target user according to the crop value and the user profile. Optionally, the labeled area calculation module 1108 includes: a latitude and longitude coordinate data determination submodule configured to determine the latitude and longitude coordinate data of the plot boundary information map; a labeled area calculation submodule configured to be based on For the latitude and longitude coordinate data, an area calculation formula is used to calculate the marked area of the crop plot; wherein, the area calculation formula includes: calculating the difference between two latitude coordinate values adjacent to the latitude coordinate value in the latitude and longitude coordinate data and Corresponding to the product of the longitude coordinate values, sum the products corresponding to all the latitude coordinate values in the longitude and latitude coordinate data, and use the product of one-half of the summation result and the coordinate conversion constant as the labeled area. An example of a credit line processing device provided in this specification is as follows: Corresponding to the credit line processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a credit line processing device, the credit line processing device For performing the credit line processing method provided above, FIG. 12 is a schematic structural diagram of a credit line processing device provided by one or more embodiments of this specification. A credit limit processing device provided in this embodiment includes: As shown in FIG. 12 , the credit limit processing device may have relatively large differences due to different configurations or performances, and may include one or more than one processor 1201 and memory 1202 , one or more stored application programs or data may be stored in the memory 1202 . Wherein, the memory 1202 may be short-term storage or persistent storage. The application programs stored in the memory 1202 may include one or more modules (not shown), and each module may include a series of computer-executable instructions in the credit line processing device. Furthermore, the processor 1201 may be configured to communicate with the memory 1202, and execute a series of computer-executable instructions in the memory 1202 on the credit line processing device. The credit line processing device may also include one or more power sources 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 a specific embodiment, the credit limit processing device includes a memory, and one or more programs, wherein one or more programs are stored in the memory, and one or more programs may include one or more modules and each module may include a series of computer-executable instructions in a credit line processing device, and configured to be executed by one or more processors, the one or more packaged programs include computer-executable Instructions: Obtain the identity information of the target user logged in and the plot information of the crop plot; Show the map page to the target user; If the marking action input on the map page is detected, determine the plot corresponding to the marking action Boundary information; Calculate the marked area of the crop plot based on the plot boundary information; Determine the credit line of the target user according to the marked area, the plot information and the user data obtained based on the identity information . Optionally, the identity information and the plot information are logged in after the target user triggers a credit processing channel, the credit processing channel is open to the target users recorded in the preset user list, and the credit processing channel and target application binding; when detecting the target user's application processing request for the target application, displaying the trigger control item of the credit processing channel based on the application page of the target application, and the target user triggers the The trigger control item is used to trigger the credit processing channel. Optionally, after detecting that the trigger control item is triggered, display the credit application page of the credit processing channel under the target application to the target user; wherein, the credit application page is configured with an information login interface and credit application control item; the identity information and the land plot information are logged in based on the information login interface; correspondingly, the displaying the map page to the target user includes: In the case of an application instruction submitted by the credit application control item, the map page is displayed to the target user. Optionally, the credit application page is configured with a plot management control item, and if it is detected that the plot management control item is triggered, query the crop plot of the target user and display it based on the plot management page; When the return control item configured on the parcel management page is triggered, return to the credit application page. Optionally, when the computer-executable instructions are executed, it further includes: storing the identity information, the plot information and/or the plot boundary information registered by the target user; when the target user is detected In the case of a secondary application instruction submitted for the credit application control item, determine whether the time span between the submission time of the secondary application instruction and the submission time of the application instruction is greater than a preset time threshold; if so, read Get the stored identity information, land parcel information and/or land parcel boundary information, and update the identity information and land parcel information to the credit application page and display, and/or, The coordinate identification corresponding to the parcel boundary information is updated to the map page and displayed. Optionally, when the computer-executable instruction is executed, after the execution of the instruction to display the map page to the target user, it further includes: acquiring the positioning data of the terminal device of the target user; determining that the positioning data is in the coordinate information mapped in the map coordinates to which the map page belongs, and update the coordinate identification corresponding to the coordinate information on the map page; calculate the plot area of the crop plot based on the positioning data; according to the plot area , the plot information and the user data, and determine the second credit line of the target user. Optionally, when the computer-executable instruction is executed, the acquisition of the identity information logged in by the target user after triggering the credit processing channel, and the plot information of the crop plot after the execution of the command further includes: judging the plot information Whether the area of the plot contained in is greater than the preset area threshold; If yes, perform the step of displaying the map page to the target user; If not, obtain the positioning data of the terminal device of the target user; Determine the location based on the positioning data The second plot boundary information of the crop plot; Calculate the second marked area of the crop plot based on the second plot boundary information; Determine the target according to the second marked area and the user data The user's third credit line. Optionally, the calculation of the marked area of the crop plot based on the plot boundary information includes: determining the latitude and longitude coordinate data of the plot boundary information map; based on the latitude and longitude coordinate data, using an area calculation formula to calculate The marked area of the crop plot; wherein, the area calculation formula includes: calculating the product of the difference between two latitude coordinate values adjacent to the latitude coordinate value in the latitude and longitude coordinate data and the product of the corresponding longitude coordinate value, and calculating the longitude and latitude coordinate value The products corresponding to all latitude coordinate values in the data are summed, and the product of one-half of the summation result and the coordinate conversion constant is used as the marked area. Optionally, determining the credit line of the target user according to the marked area, the land parcel information, and the user information obtained based on the identity information includes: combining the marked area with the land parcel information If the comparison result shows that the marked area is less than or equal to the land area, a special credit line is determined according to the marked area and the user information as the target user's credit Amount; If the comparison result shows that the marked area is larger than the area of the plot, a dedicated credit line is determined according to the area of the plot and the user information as the credit line of the target user. Optionally, determining the dedicated credit line according to the marked area and the user profile as the credit line of the target user includes: inputting the marked area and the user profile as a model, and inputting a line allocation model Allocation of credit line is performed, and the credit line allocated to the target user for the crop plot is output as the dedicated credit line. Optionally, when the computer-executable instruction is executed, it also includes: inputting the boundary information of the plot and the corresponding time information into the crop identification model for crop type identification, and obtaining the crop type of the crop plot; based on the The crop type, the marked area, and the crop attribute corresponding to the crop type calculate the crop value of the crop plot; determine the fourth credit line of the target user according to the crop value and the user information. Optionally, when the computer-executable instruction is executed, after the instruction of determining the credit line of the target user based on the marked area, the land parcel information, and the user data obtained based on the identity information is executed, further including: reading the credit status of the target user; if the credit status of the target user is uncredited, performing credit processing on the target user based on the credit line; if the credit status of the target user is credited, Adjust the initial credit line of the target user based on the credit line; If the credit status of the target user is credit used, generate a performance reminder based on the contract information recorded in the crop management contract signed by the target user and send it to the target user. An example of a user resource processing device provided in this specification is as follows: Corresponding to the user resource processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a user resource processing device, the user resource processing device For performing the user resource processing method provided above, FIG. 13 is a schematic structural diagram of a user resource processing device provided by one or more embodiments of this specification. A user resource processing device provided in this embodiment includes: As shown in FIG. 13 , the user resource processing device may have relatively large differences due to different configurations or performances, and may include one or more than one processor 1201 and memory 1202 , one or more stored application programs or data may be stored in the memory 1202 . Wherein, the memory 1202 may be short-term storage or persistent storage. The application programs stored in the memory 1202 may include one or more modules (not shown), and each module may include a series of computer-executable instructions in the user resource processing device. Furthermore, the processor 1201 may be configured to communicate with the memory 1202, and execute a series of computer-executable instructions in the memory 1202 on the user resource processing device. The user resource processing device may also include one or more power sources 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 a specific embodiment, the user resource processing device includes a memory, and one or more programs, wherein one or more programs are stored in the memory, and one or more programs may include one or more modules set, and each module may include a series of computer-executable instructions in a user resource processing device, and is configured to be executed by one or more processors, the one or more packaged programs include for performing the following computer-executable Instruction: Obtain the plot information of the crop plot logged in by the target user; Display the geographic information page to the target user; If the labeling action input on the geographic information page is detected, determine the plot boundary information corresponding to the labeling action ; Calculate the marked area of the crop plot based on the plot boundary information; perform resource operation processing on the user resources of the target user according to the plot information, the marked area, and the user information of the target user . Optionally, performing resource operation processing on the user resources of the target user according to the plot information, the marked area, and the user information of the target user includes: The block information and the user data are used as model input, and the credit allocation model is input into the credit line allocation, and the special credit line allocated to the target user for the crop plot is output; read the credit status of the target user; if the If the credit status of the target user is not credited, perform credit processing on the target user based on the dedicated credit line; if the credit status of the target user is credited, based on the dedicated credit line The credit line is adjusted; if the credit status of the target user is credit used, based on the contract information recorded in the crop management contract signed by the target user, a performance reminder is generated and sent to the target user. Optionally, performing resource operation processing on the user resources of the target user according to the parcel information, the marked area, and the user information of the target user includes: based on the information contained in the parcel information calculating the confidence degree of the land parcel information based on the plot area and the marked area; if the confidence degree is greater than the preset confidence threshold, based on the confidence degree and the credit data contained in the user data, Updating the credit rating of the target user. Optionally, performing resource operation processing on the user resource of the target user according to the plot information, the marked area, and the user profile of the target user includes: determining that the coordinate information of the plot is in advance The remote sensing image crop plot mapped in the acquired remote sensing image; according to the pre-identified and stored crop type of the image unit contained in the remote sensing image crop plot, determine the crop type of the crop plot; based on the marked area and Calculate the crop value of the crop plot according to the crop type; calculate the resource conversion value corresponding to the plot information according to the crop value and the resource conversion rate corresponding to the crop type; The resource preference and/or resource status of the target user is used to generate a resource management strategy for the crop plot. Optionally, performing resource operation processing on the user resource of the target user according to the plot information, the marked area, and the user profile of the target user includes: determining the information contained in the plot information Time information corresponding to the plot coordinate information; Based on the time information, determine the remote sensing image crop plot mapped in the pre-acquired remote sensing image by the plot coordinate information; According to the pre-identified and stored remote sensing image crop plot The crop type of the included image unit determines the crop type of the crop plot; based on the crop type, the marked area, the geographical information contained in the plot information and the crop value fluctuation corresponding to the crop type, determine the crop type The risk level of the above-mentioned crop plot; Based on the risk level, a risk warning prompt is generated and displayed to the target user. Optionally, performing resource operation processing on the user resource of the target user according to the plot information, the marked area, and the user profile of the target user includes: combining the plot boundary information and the corresponding Input the time information of the crop identification model to identify the crop type, and obtain the crop type of the crop plot; based on the crop type, the marked area and the crop attribute corresponding to the crop type, calculate the crop type of the crop plot value; determine the guarantee amount of the target user according to the value of the crop and the user information. Optionally, the calculation of the marked area of the crop plot based on the plot boundary information includes: determining the latitude and longitude coordinate data of the plot boundary information map; based on the latitude and longitude coordinate data, using an area calculation formula to calculate The marked area of the crop plot; wherein, the area calculation formula includes: calculating the product of the difference between two latitude coordinate values adjacent to the latitude coordinate value in the latitude and longitude coordinate data and the product of the corresponding longitude coordinate value, and calculating the longitude and latitude coordinate value The products corresponding to all latitude coordinate values in the data are summed, and the product of one-half of the summation result and the coordinate conversion constant is used as the marked area. An embodiment of a storage medium provided in this specification is as follows: Corresponding to the credit line processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a storage medium. The storage medium provided in this embodiment is used to store computer-executable instructions, and when the computer-executable instructions are executed, the following processes are realized: obtaining the identity information of the target user logged in, and the plot information of the crop plot; The target user displays the map page; if the labeling action input on the map page is detected, determine the plot boundary information corresponding to the labeling action; calculate the marked area of the crop plot based on the plot boundary information; Determine the credit line of the target user based on the marked area, the land plot information, and the user information obtained based on the identity information. Optionally, the identity information and the plot information are logged in after the target user triggers a credit processing channel, the credit processing channel is open to the target users recorded in the preset user list, and the credit processing channel and target application binding; when detecting the target user's application processing request for the target application, displaying the trigger control item of the credit processing channel based on the application page of the target application, and the target user triggers the The trigger control item is used to trigger the credit processing channel. Optionally, after detecting that the trigger control item is triggered, display the credit application page of the credit processing channel under the target application to the target user; wherein, the credit application page is configured with an information login interface and credit application control item; the identity information and the land plot information are logged in based on the information login interface; correspondingly, the displaying the map page to the target user includes: In the case of an application instruction submitted by the credit application control item, the map page is displayed to the target user. Optionally, the credit application page is configured with a plot management control item, and if it is detected that the plot management control item is triggered, query the crop plot of the target user and display it based on the plot management page; When the return control item configured on the parcel management page is triggered, return to the credit application page. Optionally, when the computer-executable instructions are executed, the following procedures are also implemented: storing the identity information, the plot information and/or the plot boundary information registered by the target user; In the case of a secondary application instruction submitted by the target user for the credit application control item, determine whether the time span between the submission time of the secondary application instruction and the submission time of the application instruction is greater than a preset time threshold; If so, read the stored identity information, land parcel information and/or land parcel boundary information, and update the identity information and land parcel information to the credit application page and display it, and/or Or, updating the coordinate identification corresponding to the parcel boundary information to the map page and displaying it. Optionally, after the process of presenting the map page to the target user is executed, the computer-executable instructions also implement the following process when executed: acquiring the positioning data of the terminal device of the target user; determining the positioning data Coordinate information mapped in the map coordinates to which the map page belongs, and update the coordinate identification corresponding to the coordinate information in the map page; Calculate the plot area of the crop plot based on the positioning data; According to the described The land area, the land information and the user data determine the second credit line of the target user. Optionally, after the process of obtaining the identity information logged in by the target user after triggering the credit processing channel and the plot information of the crop plot is executed, the computer-executable instructions also implement the following process when executed: judging the Whether the area of the plot contained in the plot information is greater than the preset area threshold; if yes, perform the step of displaying the map page to the target user; if not, obtain the positioning data of the terminal device of the target user; based on the positioning determining the second plot boundary information of the crop plot based on the data; calculating the second marked area of the crop plot based on the second plot boundary information; determining the second marked area and the user data The third credit line of the target user. Optionally, the calculation of the marked area of the crop plot based on the plot boundary information includes: determining the latitude and longitude coordinate data of the plot boundary information map; based on the latitude and longitude coordinate data, using an area calculation formula to calculate The marked area of the crop plot; wherein, the area calculation formula includes: calculating the product of the difference between two latitude coordinate values adjacent to the latitude coordinate value in the latitude and longitude coordinate data and the product of the corresponding longitude coordinate value, and calculating the longitude and latitude coordinate value The products corresponding to all latitude coordinate values in the data are summed, and the product of one-half of the summation result and the coordinate conversion constant is used as the marked area. Optionally, determining the credit line of the target user according to the marked area, the land parcel information, and the user information obtained based on the identity information includes: combining the marked area with the land parcel information If the comparison result shows that the marked area is less than or equal to the land area, a special credit line is determined according to the marked area and the user information as the target user's credit Amount; If the comparison result shows that the marked area is larger than the area of the plot, a dedicated credit line is determined according to the area of the plot and the user information as the credit line of the target user. Optionally, determining the dedicated credit line according to the marked area and the user profile as the credit line of the target user includes: inputting the marked area and the user profile as a model, and inputting a line allocation model Allocation of credit line is performed, and the credit line allocated to the target user for the crop plot is output as the dedicated credit line. Optionally, when the computer-executable instructions are executed, the following procedures are implemented: inputting the plot boundary information and corresponding time information into the crop identification model for crop type identification, and obtaining the crop type of the crop plot; Calculate the crop value of the crop plot based on the crop type, the marked area, and the crop attribute corresponding to the crop type; determine the fourth credit line of the target user according to the crop value and the user information . Optionally, after the process of determining the credit line of the target user according to the marked area, the land parcel information, and the user information obtained based on the identity information is executed, when the computer-executable instructions are executed The following process is also implemented: reading the credit status of the target user; if the credit status of the target user is uncredited, performing credit processing on the target user based on the credit line; if the credit status of the target user is has been credited, adjust the initial credit line of the target user based on the credit line; if the credit status of the target user is credit used, based on the contract information recorded in the crop management contract signed by the target user, A fulfillment reminder is generated and sent to 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, so the specific implementation of this embodiment can refer to the implementation of the corresponding method above, and the repetition is not Let me repeat. An embodiment of a storage medium provided in this specification is as follows: Corresponding to the user resource processing method described above, based on the same technical concept, one or more embodiments of this specification also provide a storage medium. The storage medium provided in this embodiment is used to store computer-executable instructions, and when the computer-executable instructions are executed, the following processes are realized: Obtaining the plot information of the crop plot registered by the target user; displaying the geographical location to the target user information page; if the labeling action input on the geographic information page is detected, determine the plot boundary information corresponding to the labeling action; calculate the labeled area of the crop plot based on the plot boundary information; block information, the marked area, and the user information of the target user, and perform resource operation processing on the user resources of the target user. Optionally, performing resource operation processing on the user resources of the target user according to the plot information, the marked area, and the user information of the target user includes: The block information and the user data are used as model input, and the credit allocation model is input into the credit line allocation, and the special credit line allocated to the target user for the crop plot is output; read the credit status of the target user; if the If the credit status of the target user is not credited, perform credit processing on the target user based on the dedicated credit line; if the credit status of the target user is credited, based on the dedicated credit line The credit line is adjusted; if the credit status of the target user is credit used, based on the contract information recorded in the crop management contract signed by the target user, a performance reminder is generated and sent to the target user. Optionally, performing resource operation processing on the user resources of the target user according to the parcel information, the marked area, and the user information of the target user includes: based on the information contained in the parcel information calculating the confidence degree of the land parcel information based on the plot area and the marked area; if the confidence degree is greater than the preset confidence threshold, based on the confidence degree and the credit data contained in the user data, Updating the credit rating of the target user. Optionally, performing resource operation processing on the user resource of the target user according to the plot information, the marked area, and the user profile of the target user includes: determining that the coordinate information of the plot is in advance The remote sensing image crop plot mapped in the acquired remote sensing image; according to the pre-identified and stored crop type of the image unit contained in the remote sensing image crop plot, determine the crop type of the crop plot; based on the marked area and Calculate the crop value of the crop plot according to the crop type; calculate the resource conversion value corresponding to the plot information according to the crop value and the resource conversion rate corresponding to the crop type; The resource preference and/or resource status of the target user is used to generate a resource management strategy for the crop plot. Optionally, performing resource operation processing on the user resource of the target user according to the plot information, the marked area, and the user profile of the target user includes: determining the information contained in the plot information Time information corresponding to the plot coordinate information; Based on the time information, determine the remote sensing image crop plot mapped in the pre-acquired remote sensing image by the plot coordinate information; According to the pre-identified and stored remote sensing image crop plot The crop type of the included image unit determines the crop type of the crop plot; based on the crop type, the marked area, the geographical information contained in the plot information and the crop value fluctuation corresponding to the crop type, determine the crop type The risk level of the above-mentioned crop plot; Based on the risk level, a risk warning prompt is generated and displayed to the target user. Optionally, performing resource operation processing on the user resource of the target user according to the plot information, the marked area, and the user profile of the target user includes: combining the plot boundary information and the corresponding Input the time information of the crop identification model to identify the crop type, and obtain the crop type of the crop plot; based on the crop type, the marked area and the crop attribute corresponding to the crop type, calculate the crop type of the crop plot value; determine the guarantee amount of the target user according to the value of the crop and the user profile. Optionally, the calculation of the marked area of the crop plot based on the plot boundary information includes: determining the latitude and longitude coordinate data of the plot boundary information map; based on the latitude and longitude coordinate data, using an area calculation formula to calculate The marked area of the crop plot; wherein, the area calculation formula includes: calculating the product of the difference between two latitude coordinate values adjacent to the latitude coordinate value in the latitude and longitude coordinate data and the product of the corresponding longitude coordinate value, and calculating the longitude and latitude coordinate value The products corresponding to all latitude coordinate values in the data are summed, and the product of one-half of the summation result and the coordinate conversion constant is used as the marked area. 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, so the specific implementation of this embodiment can refer to the implementation of the corresponding method above, and the repetition is not Let me repeat. The foregoing describes specific embodiments of this specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims can be performed in an order different from that in the examples 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. Multiplexing and parallel processing are also possible or may be advantageous in certain embodiments. In the 1930s, an improvement in a technology could be clearly distinguished as a hardware improvement (for example, improvements in the circuit structure of diodes, transistors, switches, etc.) or a software improvement (for the method flow). Improve). However, with the development of technology, the improvement of many current method flows can be regarded as the direct improvement of the hardware circuit structure. Designers almost always get the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that the improvement of a method flow cannot be realized with a hardware entity module. For example, a Programmable Logic Device (PLD) (such as a Field Programmable Gate Array (FPGA)) is such an integrated circuit, and its logic function is determined by user programming of the device. It is designed by the designer to "integrate" a digital system on a piece of PLD by himself, instead of asking the chip manufacturer to design and make a dedicated integrated circuit chip. Moreover, nowadays, instead of making integrated circuit chips by hand, this kind of programming is mostly implemented using "logic compiler (logic compiler)" software, which is similar to the software compiler used when writing programs. The original code before compilation must also be written in a specific programming language, which is called a hardware description language (Hardware Description Language, HDL), and there is not only one kind of HDL, but many kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc., Currently the most commonly used are VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog. It should also be clear to those skilled in the art that the hardware circuit for implementing the logical method flow can be easily obtained only by a little logical programming of the method flow using the above-mentioned hardware description languages and programming it into an integrated circuit. The controller may be implemented in any suitable manner, for example, the controller may take the form of a microprocessor or a processor and a computer readable program storing computer readable code (such as software or firmware) executable by the (micro)processor. media, logic gates, switches, Application Specific Integrated Circuits (ASICs), programmable logic controllers, and embedded microcontrollers. Examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, memory controllers can also be implemented as part of the memory's control logic. Those skilled in the art also know that, in addition to implementing the controller in a purely computer-readable code manner, the controller can be controlled by logic gates, switches, dedicated integrated circuits, and programmable logic by performing logic programming on the method steps. The same function can be realized in the form of device and embedded microcontroller etc. Therefore, such a controller can be regarded as a hardware component, and the devices included in it for realizing various functions can also be regarded as structures within the hardware component. Or even, the means for realizing various functions can be regarded as both a software module implementing a method and a structure within a hardware component. The systems, devices, modules or units described in the above embodiments can be implemented by computer chips or entities, or by products with certain functions. A typical implementing device is a computer. Specifically, the computer can be, for example, a personal computer, a notebook computer, a mobile phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device or Combinations of any of these devices. For the convenience of description, when describing the above devices, functions are divided into various units and described separately. Of course, when implementing the embodiments of this specification, the functions of each unit can be implemented in one or more software and/or hardware. Those skilled in the art should understand that one or more embodiments of this specification 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, this specification may take the form of a computer program product embodied on one or more computer-usable storage media (including but not limited to disk memory, CD-ROM, optical memory, etc.) having computer-usable program code embodied therein. . The specification is described with reference to flowcharts and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the specification. It should be understood that each process and/or block in the flowchart and/or block diagram, and a combination of processes and/or blocks in the flowchart and/or block diagram can be realized by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, special-purpose computer, embedded processor, or other programmable data processing equipment to produce a machine so that the instructions executed by the processor of the computer or other programmable data processing equipment Produce means for realizing the functions specified in one or more procedures of the flowchart and/or one or more blocks of the block diagram. These computer program instructions may also be stored in a computer readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner such that the instructions stored in the computer readable memory produce an article of manufacture including the instruction means , the instruction device implements the functions specified in one or more procedures of the flow chart and/or one or more blocks of the block diagram. These computer program instructions may also be loaded into a computer or other programmable data processing device, causing a series of operational steps to be performed on the computer or other programmable device to produce computer-implemented The instructions executed above provide steps for implementing the functions specified in the procedure or procedures of the flowchart and/or the block or blocks of the block diagram. In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory. Memory may include non-permanent memory in computer readable media, random access memory (RAM) and/or forms of nonvolatile memory such as read only memory (ROM) or flash memory ( flash RAM). The memory is an example of a computer readable medium. Computer-readable media includes both permanent and non-permanent, removable and non-removable media and can be implemented by any method or technology for storage of information. Information may be computer readable instructions, data structures, modules of a program, or other data. Examples of storage media for computers 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 technologies, compact disc read-only memory (CD-ROM), digital multifunction A compact disk (DVD) or other optical storage, magnetic tape cartridge, magnetic tape disk storage or other magnetic storage device or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include transitory computer readable media, such as modulated data signals and carrier waves. It should also be noted that the term "comprises", "comprises" or any other variation thereof is intended to cover a non-exclusive inclusion such that a process, method, article, or apparatus comprising a set of elements includes not only those elements, but also includes Other elements not expressly listed, or elements inherent in the process, method, commodity, or apparatus are also included. Without further limitations, an element defined by the phrase "comprising a ..." does not exclude the presence of additional identical elements in the process, method, article or apparatus comprising said element. One or more embodiments of this specification may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, a program module includes routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. One or more embodiments of the present 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 storage devices. Each embodiment in this specification is described in a progressive manner, the same and similar parts of each embodiment can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, as for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and for the related parts, please refer to the part of the description of the method embodiment. The above descriptions are only examples of this specification, and are not intended to limit this specification. For those skilled in the art, various modifications and changes may occur in this description. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this specification shall be included in the scope of patent application of this specification.
