WO2022001812A1 - 授信额度处理方法及装置、用户资源处理方法及装置 - Google Patents

授信额度处理方法及装置、用户资源处理方法及装置 Download PDF

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WO2022001812A1
WO2022001812A1 PCT/CN2021/102040 CN2021102040W WO2022001812A1 WO 2022001812 A1 WO2022001812 A1 WO 2022001812A1 CN 2021102040 W CN2021102040 W CN 2021102040W WO 2022001812 A1 WO2022001812 A1 WO 2022001812A1
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plot
information
crop
target user
credit
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PCT/CN2021/102040
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English (en)
French (fr)
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顾欣欣
汪佳
甘利民
孙剑哲
余泉
孙晓冬
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浙江网商银行股份有限公司
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Publication of WO2022001812A1 publication Critical patent/WO2022001812A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/29—Geographical information databases
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F18/00—Pattern recognition
    • G06F18/20—Analysing
    • G06F18/24—Classification techniques
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/02—Agriculture; Fishing; Forestry; Mining

Definitions

  • This document relates to the technical field of data processing, and in particular, to a method and device for processing a credit limit, and a method and device for processing user resources.
  • the credit line processing method includes: acquiring the identity information entered by the target user and the plot information of the crop plot. A map page is displayed to the target user. If a labeling action input on the map page is detected, the land parcel boundary information corresponding to the labeling action is determined. The labeled area of the crop plot is calculated based on the plot boundary information. The credit limit of the target user is determined according to the marked area, the land parcel information and the user data obtained based on the identity information.
  • One or more embodiments of this specification provide a method for processing user resources, including: acquiring plot information of a crop plot entered by a target user. A geographic information page is displayed to the target user. If a labeling action input on the geographic information page is detected, the land parcel boundary information corresponding to the labeling action is determined. The labeled area of the crop plot is calculated based on the plot boundary information. According to the land parcel information, the marked area and the user data of the target user, the resource operation processing is performed on the user resource of the target user.
  • One or more embodiments of this specification provide an apparatus for processing a credit line, including: an information acquisition module configured to acquire identity information entered by a target user and plot information of a crop plot.
  • the map page display module is configured to display the map page to the target user.
  • the block boundary information determining module is configured to determine the block boundary information corresponding to the marking action in the case of detecting the marking action input on the map page.
  • the marked area calculation module is configured to calculate the marked area of the crop plot based on the plot boundary information.
  • the credit limit determination module is configured to determine the credit limit of the target user according to the marked area, the land parcel information and the user data obtained based on the identity information.
  • a user resource processing apparatus including: a plot information acquisition module configured to acquire plot information of a crop plot entered by a target user.
  • the geographic information page display module is configured to display the geographic information page to the target user.
  • the block boundary information determining module is configured to determine the block boundary information corresponding to the tagging action in the case of detecting the tagging action input on the geographic information page.
  • the marked area calculation module is configured to calculate the marked area of the crop plot based on the plot boundary information.
  • the resource operation processing module is configured to perform resource operation processing on the user resource of the target user according to the land parcel information, the marked area and the user data of the target user.
  • One or more embodiments of the present specification provide a credit line processing device, comprising: a processor; and, a memory configured to store computer-executable instructions that, when executed, cause the processor to : Obtain the identity information entered by the target user and the plot information of the crop plot. A map page is displayed to the target user. If a labeling action input on the map page is detected, the land parcel boundary information corresponding to the labeling action is determined. The labeled area of the crop plot is calculated based on the plot boundary information. The credit limit of the target user is determined according to the marked area, the plot information and the user data obtained based on the identity information.
  • a user resource processing device comprising: a processor; and, a memory configured to store computer-executable instructions that, when executed, cause the processor to : Get the plot information of the crop plot entered by the target user.
  • a geographic information page is displayed to the target user. If a labeling action input on the geographic information page is detected, the land parcel boundary information corresponding to the labeling action is determined. The labeled area of the crop plot is calculated based on the plot boundary information. According to the land parcel information, the marked area and the user data of the target user, the resource operation processing is performed on the user resource of the target user.
  • One or more embodiments of this specification provide a storage medium for storing computer-executable instructions, the computer-executable instructions, when executed, implement the following processes: acquiring the identity information entered by a target user, and obtaining the identity information entered by the target user, and the Plot information.
  • a map page is displayed to the target user. If a labeling action input on the map page is detected, the land parcel boundary information corresponding to the labeling action is determined. The labeled area of the crop plot is calculated based on the plot boundary information. The credit limit of the target user is determined according to the marked area, the land parcel information and the user data obtained based on the identity information.
  • One or more embodiments of this specification provide a storage medium for storing computer-executable instructions, the computer-executable instructions, when executed, implement the following process: acquiring plot information of a crop plot entered by a target user. A geographic information page is displayed to the target user. If a labeling action input on the geographic information page is detected, the land parcel boundary information corresponding to the labeling action is determined. The labeled area of the crop plot is calculated based on the plot boundary information. According to the land parcel information, the marked area and the user data of the target user, the resource operation processing is performed on the user resource of the target user.
  • FIG. 1 is a processing flow chart of a method for processing a credit line provided by one or more embodiments of this specification;
  • FIG. 2 is a schematic diagram of a credit application page provided by one or more embodiments of this specification.
  • FIG. 3 is a schematic diagram of a land parcel management page provided by one or more embodiments of this specification.
  • FIG. 4 is a schematic diagram of a first map page provided by one or more embodiments of the present specification.
  • FIG. 5 is a schematic diagram of a second map page provided by one or more embodiments of the present specification.
  • FIG. 6 is a processing flow chart of a method for processing a credit line applied to a scenario of a farm loan project provided by one or more embodiments of this specification;
  • FIG. 7 is a processing flow chart of a user resource processing method provided by one or more embodiments of this specification.
  • FIG. 8 is a processing flow chart of a method for processing user resources that is applied to a security project scenario according to one or more embodiments of this specification;
  • FIG. 9 is a processing flowchart of a user resource processing method applied to a user resource management scenario provided by one or more embodiments of this specification.
  • FIG. 10 is a schematic diagram of a credit line processing apparatus provided by one or more embodiments of this specification.
  • FIG. 11 is a schematic diagram of a user resource processing apparatus according to one or more embodiments of this specification.
  • FIG. 12 is a schematic structural diagram of a credit line processing device provided by one or more embodiments of this specification.
  • FIG. 13 is a schematic structural diagram of a user resource processing device according to one or more embodiments of this specification.
  • FIG. 1 shows a processing flow chart of a method for processing a credit limit provided by this embodiment
  • FIG. 2 shows a processing method provided by this embodiment.
  • a schematic diagram of a credit application page referring to FIG. 3 , which shows a schematic diagram of a plot management page provided by this embodiment, and referring to FIG. 4 , which shows a schematic diagram of a first map page provided by this embodiment
  • FIG. 5 it shows a schematic diagram of a second map page provided by this embodiment
  • FIG. 6 it shows a processing flow of a credit limit processing method applied in the scenario of agricultural assistance loan projects provided by this embodiment. picture.
  • the method for processing a credit line includes steps S102 to S110.
  • step S102 the identity information entered by the target user and the plot information of the crop plot are acquired.
  • the credit limit processing method provided in this embodiment opens a dedicated credit processing channel for these target users, so that the target users can pass
  • the crop plot information is entered and marked by means of "self-certification".
  • the target user can enter the identity information and the plot information of the crop plot through the credit processing channel, and perform the information provided on the map page through the credit processing channel.
  • the labeling service for labeling crop plots can improve the accuracy of labeling crop plots; further, on the basis of labeling crop plots, the plot area calculated after the plot is marked, the plot information entered by the user, and The target user's user data is evaluated for credit, and a more reasonable credit line is allocated to the user, so that the target user can obtain a credit line that is more in line with their actual asset conditions, and the provided credit line can facilitate the target user's basic production and operation. , and then promote the improvement of the production and operation efficiency of target users.
  • the target users in this embodiment refer to the users recorded in the preset user list (for example, the list of large planting households). Specifically, they can own or contract a large amount of land (such as more than 10 mu) and use this as the main economic
  • the source growers are defined as large growers and included in the list of large growers.
  • the list of major planters can be provided by a third-party organization, or the list of major planters can be determined after an offline survey of the growers, and the list of major planters can also be generated through 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 for planting crops, forest crops, aquatic crops and other surface-grown crops.
  • the plot information includes the plot area of the crop plot, such as the plot area value in mu as a unit of measurement.
  • the plot information entered by the target user may also include the types of crops planted in the crop plot, the plot coordinate information and time information where the crop plot is located.
  • this embodiment opens a credit processing channel for the target user in the preset user list, the credit processing channel is bound to the target application, and the identity information and land parcel information of the target user are triggered when the target user triggers the credit processing.
  • the target user in the preset user list can perform information entry 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 by entering information.
  • the trigger control 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.
  • credit extension refers to the funds directly provided by banks, payment platforms and other institutions to users, or the guarantee for the compensation and payment responsibilities that users may generate in relevant activities.
  • On-balance sheet services such as advances can also be provided for off-balance sheet services such as bill acceptance, letter of credit issuance, 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.
  • the loan application in the payment platform is bound to the channel for increasing the credit line.
  • the loan amount needs to be determined with reference to the credit line of the grower.
  • the application page of the loan application is provided with an amount increase control for the grower to process the amount increase;
  • the amount control is used to trigger the credit limit increase channel, so that the credit limit increase process is performed through the credit limit increase channel.
  • the user's credit is used as a guarantee or mortgage to provide users with corresponding resources, so as to ensure the user's planting production and operation.
  • the activity can be maintained.
  • the user's planting, production and business activities can be carried out normally by providing the user with a credit guarantee or mortgage loan.
  • the user is provided with corresponding resources by signing a crop management contract with the user.
  • crop management contract refers to the contract signed by the user with the resource provider based on his own credit line, and the resources obtained after signing the crop management contract are agreed to be used for planting production and operation activities.
  • the user who signs the crop operation contract can obtain corresponding funds from the loan provider, and in addition, the user who signs the crop operation contract can also obtain the planting production equipment required for the planting production and operation activities from the equipment provider , or, the user who signs the crop management contract may also obtain the planting raw materials required in the planting production and operation activities from the raw material provider, which is not limited.
  • the crop management contract is signed in the following manner: obtaining the application request submitted by the user through the application control configured on the contract application page that triggers the target application; judging that the application request is in the Whether the included application amount is less than or equal to the credit limit; if so, based on the application amount and the plot information of the crop plot submitted by the user, the user is the contract participant to sign the crop management contract ; if not, it indicates 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 can be sent to the user.
  • the loan application in the payment platform opens the function of applying for agricultural loans to grower A, and grower A can apply for a loan for planting, production and operation activities through the loan application.
  • grower A can apply for a loan for planting, production and operation activities through the loan application.
  • the loan application amount submitted by the grower A is determined based on the loan application limit of the grower A carried in the loan request. Whether it is greater than the credit limit of grower A (assuming it is 10,000 yuan); if the loan application amount submitted by grower A is less than 10,000 yuan, grower A is the borrower and the fund provider is the lender.
  • the farmer A's crop type as the plot, the plot coordinate information and time information of the plot where the crop plot is located are recorded in the agricultural assistance business loan contract.
  • the prerequisite for the user to obtain resource support in planting, production and business activities is to use the user's credit as a guarantee or mortgage, and deduct or freeze the corresponding part of the user's credit line; optional Yes, the contract information in this embodiment includes the contract limit of the crop management contract, and the user signs the crop management contract based on the credit limit, after signing the crop management contract, the credit line used for signing the crop management contract The used sub-quota corresponding to the contract quota is frozen; correspondingly, the used sub-quota is restored after the user performs the performance clause recorded in the crop management contract.
  • grower A's credit line 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 some or all of the 6,000 yuan is received, the corresponding part of the frozen credit line will be unfrozen and repaid.
  • the credit application page of the credit processing channel under the target application is displayed to the target user; wherein, the credit application page is configured with an information input interface and a credit application control; the identity The information and the land parcel information are entered based on the information entry interface.
  • the following step S104 displays the map page to the target user, and displays the map page to the target user under the condition that the application instruction submitted by the target user for the credit application control is obtained.
  • the application page for processing credit limit increase is displayed to grower A in the loan application, as shown in Figure 2.
  • the application page is equipped with an information input window 201 and an application button 202. Through the information input window 201, grower A can input name, ID card, mobile phone number and the plot area of the crop plot to be entered.
  • the credit application page is configured with a plot management control, if it is detected that the plot management control is triggered, the crop plot of the target user is queried and displayed based on the plot management page; When the return control configured on the block management page is triggered, the credit application page is returned.
  • the application page is also configured with a plot adding button 203, if the plot adding button 203 is triggered by the grower A, the plot shown in Figure 3 will be entered.
  • the plot management page displays 5 crop plots added by grower A: plot 1 is a crop plot for growing wheat, plot 2 is a crop plot for growing potatoes, and plot 3 is a crop plot for growing corn
  • the crop plot, plot 4 is the crop plot for planting rice, and plot 5 is the crop plot for planting soybean; if grower A wants to continue to add 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 application page shown.
  • 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. 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.
  • whether to use the map page is determined by judging whether the plot area contained in the plot information is greater than the preset area threshold. The crop plots are added by labeling.
  • step S104 is performed to display the map page to the target user; on the other hand, if the plot information If the plot area contained in the information is less than or equal to the preset area threshold, the crop plot is added with the help of the terminal device of the target user. 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, determine the Describe the third credit limit of the target user.
  • the user data includes data of target users in various dimensions, for example, credit data of growers in the credit dimension, asset data in the asset dimension, and application usage data in the application dimension.
  • the plot 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 labeling crop plots using the map page labeling method.
  • the GPS positioning data of the mobile terminal carried by the grower B is used as the plot boundary information of the crop plot to be added by the grower B. According to this logic, if the 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.
  • step S110 determines the credit limit of grower B, where the process of determining the credit limit is similar to the following step S110, refer to the specific implementation process provided by step S110, in This will not be repeated here.
  • Step S104 displaying a map page to the target user.
  • the plot area can be based on the plot area included in the plot information entered by the target user.
  • the corresponding relationship with the map accuracy of the map page adjust the map accuracy displayed on the map page to the accuracy suitable for the area of the plot, so as to improve the efficiency of the target user's subsequent labeling of crop plots on the map page.
  • the map is displayed to the target user.
  • 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 corresponding coordinate information in the map page.
  • calculate the plot area of the crop plot based on the positioning data, and determine the second credit limit of the target user according to the plot area, the plot information and the user data.
  • the map page shown in Figure 4 if the map page is a map page displayed to grower C, then according to the GPS positioning data of the mobile terminal carried by grower C, determine the coordinates corresponding to the GPS positioning data in the map page position, and the corresponding mark is displayed on the map page for this coordinate position.
  • the grower C carries the mobile terminal to move around the crop plot to be added for a week, the GPS positioning of the mobile terminal carried by the grower C will be used.
  • the plot boundary information of the crop plot to be added can be determined as a whole, and the closed plot boundary mark can be displayed on the map page. Based on this, the plot area of the crop plot to be added can be calculated.
  • the calculated plot area is combined with the plot information entered by the grower C and the user data of the grower C to determine the credit line of the grower C.
  • the process of determining the credit line is similar to the following step S110, see step S110 for providing The specific implementation process is not repeated here.
  • Step S106 if a labeling action input on the map page is detected, determine the parcel boundary information corresponding to the labeling action.
  • the map boundary information corresponding to the labeling action on the map page is determined, namely: Determine the plot boundary of the crop plot in the map dimension; then determine the geographic location boundary information corresponding to the map boundary information according to the mapping relationship between the map location of the map dimension and the geographic location of the actual geographical area latitude, as the labeling action corresponds to the parcel boundary information.
  • the map boundary information corresponding to the labeling action input by grower A on the map page is determined, and the map boundary information is displayed on the map page, as shown in Fig. 5 and, according to the mapping relationship between the map boundary information on the map page and the latitude and longitude information, determine the longitude and latitude information corresponding to the labeling action input by the grower A.
  • the map boundary information may also be used as the parcel boundary information corresponding to the labeling action.
  • the information input process or crop plot labeling process by the target user is often interrupted.
  • the grower interrupts when adding multiple crop plots, and exits the application page shown in Figure 2 or exits the application page shown in Figure 3.
  • the target user wants to continue the previously interrupted information entry process or crop plot labeling process, it is necessary to re-execute the previously executed information entry process or crop plot labeling process.
  • the interrupted processing process is resumed in the following manner:
  • the stored identity information, the parcel information and/or the parcel boundary information If so, read the stored identity information, the parcel information and/or the parcel boundary information, update the identity information and the parcel information to the credit application page and display, and/ Or, update the coordinate identification corresponding to the boundary information of the plot to the map page and display it; if not, it indicates that the time when the target user performs information entry or crop plot marking again is the same as the time when the information entry or crop plot marking was performed before. The time span between the times is relatively large, and a corresponding reminder is sent to the target user or no processing is required.
  • Step S108 Calculate the marked area of the crop plot based on the plot boundary information.
  • the marked area of the crop plot of the target user is calculated by using the latitude and longitude data.
  • the latitude and longitude coordinate data mapped by the boundary information of the plot is first determined, and then based on the latitude and longitude coordinates data, using an area calculation formula 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 the corresponding longitude coordinate value. and sum the products corresponding to all the latitude coordinate values in the latitude and longitude coordinate data, and take the product of half of the summation result and the coordinate conversion constant as the marked area.
  • the boundary of the crop plot displayed on the map page is shown in Figure 5.
  • the longitude and latitude coordinates of the crop plot of grower A are determined.
  • the data are: (x 1 , y 1 ), (x 2 , y 2 ), ... (x n , y n ); then calculate the plot area S of the crop plot of grower A according to the following formula:
  • 9101160000.085981 in the formula is the coordinate conversion constant; finally, the plot area calculated based on this formula is 1403 mu 3 minutes.
  • Step S110 Determine the credit limit of the target user according to the marked area, the land parcel information, and the user data obtained based on the identity information.
  • the user data of the target user includes the data of the target user in various dimensions, for example, the credit data of the grower in the credit dimension, the asset data in the asset dimension, and the application usage data in the application dimension.
  • the purpose of introducing the user data of the target user is to comprehensively evaluate the credit limit of the target user by combining the multi-dimensional data of the target user, so as to increase the credit limit. Accuracy and comprehensiveness of assessments.
  • this embodiment provides in an optional implementation manner, the calculated marked area is compared with the plot area included in the plot information; if the comparison result is that the marked area is less than or equal to the plot area, according to the The marked area and the user data are used to determine the dedicated credit limit as the target user's credit limit; if the comparison result is that the marked area is larger than the area of the plot, it is determined according to the area of the plot and the user data.
  • the dedicated credit line is used as the credit line of the target user.
  • the marked area and the user data are used as model input to input
  • the quota allocation model allocates the credit quota, and outputs the dedicated credit quota allocated to the target user for the crop plot as the credit quota, so as to improve the processing efficiency in the process of determining the credit quota of the target user.
  • the plot area and the user data included in the plot information are used as models.
  • Input input the credit line allocation model to allocate credit line, and output the special credit line allocated to the target user for the crop plot as the credit line.
  • the credit limit in order to further improve the accuracy of the target user's credit limit, 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 consistent with the actual asset status of the target user, and is more in line with the actual repayment ability of the user.
  • the plot boundary information and the corresponding time information are input into the crop identification.
  • the model identifies the crop type to obtain the crop type of the crop plot; then calculates 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 crop value and the user data determine the fourth credit limit of the target user.
  • different target users may apply for the credit line for different needs, or are in different credit states when applying for the credit line.
  • some growers have not yet opened the credit service when applying for the credit line, or Some growers have already opened the credit service and have a certain credit line when applying for the credit line, or some growers have used their credit line through loans or mortgages when applying for the credit line.
  • targeted processing is performed on the target users with different credit status, and specifically, the credit status of the target user is read; if the target user If the credit status of the user is not granted, the target user will be granted credit based on the credit limit; if the credit status of the target user is credit granted, the initial credit limit of the target user will be adjusted based on the credit limit If the credit status of the target user is that the credit has been 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.
  • the first implementation method the marked area, the plot information and the user data
  • the model input input the quota allocation model for credit quota allocation, and output the dedicated credit quota allocated to the target user for the crop plot; read the credit status of the target user; if the target user's credit status is If no credit is granted, the target user will be granted credit based on the special credit limit; if the credit status of the target user is credit granted, the initial credit limit of the target user will be adjusted based on the special credit limit;
  • the credit status of the target user is that the credit has been 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 manner Calculate the confidence level of the parcel information based on the parcel area and the marked area included in the parcel information; when the confidence level is greater than a preset confidence threshold, calculate the confidence level based on the The confidence level and the credit data contained in the user data update the credit level of the target user.
  • the third implementation manner determine the remote sensing image crop plot mapped by the plot coordinate information in the pre-acquired remote sensing image; The crop type of the crop plot; the crop value of the crop plot is calculated based on the marked area and the crop type; the plot is calculated according to the crop value and the resource conversion rate corresponding to the crop type 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 mode determine the time information corresponding to the parcel coordinate information included in the parcel information; According to the pre-identified and stored crop types of the image units included in the remote sensing image crop plots, determine the crop types of the crop plots; based on the crop types, the marked area, 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; based on the risk level, a risk warning prompt is generated and displayed to the target user.
  • the following takes the application of the credit line processing method provided by this embodiment in the scenario of agricultural assistance loan projects as an example to further illustrate the credit limit processing method provided in this embodiment.
  • the credit limit processing method specifically includes steps S602 to S622.
  • step S602 the identity information entered by the grower after triggering the credit processing channel on the project page of the agricultural loan project, and the plot information of the crop plot are obtained.
  • the project page based on the agricultural assistance loan project displays the trigger control of the credit processing channel; after detecting that the trigger control is triggered, it displays the assistance
  • the credit application page of the credit processing channel under the agricultural loan project is equipped with an information input interface and a credit application control; the identity information and plot information of the growers are entered based on the information input interface.
  • the credit application page is also configured with land parcel management controls.
  • the identity information refers to the information related to the identity of the grower, such as the grower's name, ID number and contact information.
  • Crop plots refer to the land, paddy fields or seawater planting areas used for planting crops, forest crops, aquatic crops and other surface crops. Plot information, including the plot area of the crop plot, such as the plot area value in acres.
  • Step S604 when the application instruction submitted by the grower for the credit application control is obtained, the map page is displayed to the grower.
  • Step S606 if the labeling action input by the grower on the map page is detected, determine the parcel boundary information corresponding to the labeling action.
  • the map boundary information corresponding to the labeling action on the map page is determined, that is, determining the crop plot in the map dimension. Lot boundary; then, according to the mapping relationship between the map position of the map dimension and the geographical location of the actual geographical area latitude, determine the geographical location boundary information corresponding to the map boundary information as the parcel boundary information corresponding to the labeling action.
  • Step S608 Calculate the marked area of the crop plot based on the plot boundary information.
  • 9101160000.085981 is the coordinate conversion constant.
  • Step S610 compare the marked area with the area of the parcel included in the parcel information.
  • Step S612 if the comparison result is that the marked area is less than or equal to the plot area, determine the special credit line according to the marked area and the user data of the grower, as the special credit limit of the grower.
  • the marked area and user data are used as model inputs, and the credit line is allocated by the input quota allocation model, and the output is for A dedicated line of credit allocated to growers by crop plots.
  • Step S614 if the comparison result is that the marked area is larger than the plot area, a dedicated credit line is determined according to the plot area and the user data of the grower, as the dedicated credit line of the grower.
  • Step S616, read the credit status of the grower.
  • step S618 if the credit status of the grower is not granted, credit processing is performed 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 that the credit has been used, based on the contract information recorded in the agriculture assistance loan contract of the agriculture assistance loan project signed by the grower, a performance reminder is generated and sent to the grower.
  • FIG. 7 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 710 .
  • Step S702 acquiring the plot information of the crop plot entered by the target user.
  • the user resource processing method by acquiring the land parcel information of the target user's crop land, and labeling the target user's crop land, further, on the basis of labeling the crop land, combining the land
  • the plot area calculated after marking, the plot information entered by the user, and the user data of the target user are used to evaluate the target user's credit, and assign a more reasonable credit line to the user, so as to manage the target user's user resources more effectively. , and then promote the improvement of the production and operation efficiency of target users.
  • the crop plot refers to the land, paddy field or seawater planting area used for planting crops, forest crops, aquatic crops and other surface-grown crops.
  • the plot information includes one or more items of plot area of the crop plot, crop type, plot coordinate information where the crop plot is located, and time information.
  • This embodiment opens the credit processing channel for the target user in the preset user list, the credit processing channel is bound to the target application, and the land parcel information of the target user is entered after the target user triggers the credit processing channel, in other words, the preset
  • the target users in the user list can perform information entry 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 by entering information;
  • the trigger control of the credit processing channel is displayed based on the application page of the target application, and the target user triggers the trigger control by triggering the trigger control. Trigger the credit processing channel.
  • credit extension refers to the funds directly provided by banks, payment platforms and other institutions to users, or the guarantee for the compensation and payment responsibilities that users may generate in relevant activities.
  • On-balance sheet services such as advances can also be provided for off-balance sheet services such as bill acceptance, letter of credit issuance, 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.
  • the credit application page of the credit processing channel under the target application is displayed to the target user; wherein, the credit application page is configured with an information input interface and a credit application control; The block information is entered based on the information entry interface.
  • Step S704 displaying the geographic information page to the target user.
  • the process of displaying the geographic information page to the target user in order to facilitate the target user to mark the crop plots based on the displayed geographic information page, according to the plot area included in the plot information entered by the target user, according to the land
  • the corresponding relationship between the block area and the accuracy of the geographic information page adjust the accuracy displayed on the geographic information page to the accuracy suitable for the area of the plot, so as to improve the efficiency of the target user's subsequent labeling of crop plots on the geographic information page.
  • the geographic information page may be a map page, or an image page of a remote sensing image.
  • the geographic information page may also be a geographic information-related page used to mark land parcels, such as a real-life image page of a certain area.
  • Step S706 if a labeling action input on the geographic information page is detected, determine the parcel boundary information corresponding to the labeling action.
  • the page boundary information corresponding to the labeling action in the geographic information page is determined, That is: determine the plot boundary of the crop plot in the dimension of the geographic information page; then according to the mapping relationship between the position of the geographic information page dimension and the geographic location of the actual geographic area latitude, determine the geographic location boundary information corresponding to the page boundary information, as The parcel boundary information corresponding to the labeling action.
  • Step S708 Calculate the marked area of the crop plot based on the plot boundary information.
  • the marked area of the crop plot of the target user is calculated by using the latitude and longitude data.
  • the latitude and longitude coordinate data mapped by the boundary information 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;
  • 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 corresponding longitude coordinate value, and calculating the product corresponding to all the latitude coordinate values in the latitude and longitude coordinate data. The summation is performed, and the product of one-half of the summation result and the coordinate conversion constant is used as the marked area.
  • the boundary of the crop plot displayed on the map page is shown in Figure 5.
  • the longitude and latitude coordinates of the crop plot of grower A are determined.
  • the data are: (x 1 , y 1 ), (x 2 , y 2 ), ... (x n , y n ); then calculate the plot area S of the crop plot of grower A according to the following formula:
  • 9101160000.085981 in the formula is the coordinate conversion constant.
  • Step S710 Perform resource operation processing on the user resource of the target user according to the land parcel information, the marked area and the user data of the target user.
  • the land parcel in order to improve the credibility of the user's credit level from the credit dimension, is calculated based on the parcel area and the marked area included in the parcel information.
  • the confidence level of the information when the confidence level is greater than a preset confidence threshold, update the credit level of the target user based on the confidence level and the credit data included in the user data.
  • a user resource processing method applied to a security project scenario which specifically includes steps S802 to S818.
  • Step S802 acquiring the plot information of the crop plot entered 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, as well as projects that provide guarantee services for the farmers' planting production activities or the expected benefits of planting and production activities. For example, agricultural insurance programs that provide protection for crops grown in farmers' crop plots.
  • Step S804 in the case of obtaining the application instruction submitted by the grower for the credit application control, display the map page to the grower.
  • Step S806 if the labeling action input by the grower on the map page is detected, determine the parcel boundary information corresponding to the labeling action.
  • Step S808 Calculate the marked area of the crop plot based on the plot boundary information.
  • Step S810 compare the marked area with the area of the parcel included in the parcel information.
  • Step S812 if the comparison result is that the marked area is less than or equal to the plot area, input the plot boundary information and the corresponding time information into the crop identification model to identify the crop species, and obtain the crop species of the crop plot.
  • step S814 the crop value of the crop plot is calculated based on the crop type, the marked area and the crop attribute corresponding to the crop type.
  • step S816 the guarantee amount of the grower is determined according to the crop value and the user data.
  • Step S818, recommend a guarantee item to the grower based on the guarantee amount, or recommend the guarantee item to the grower based on the crop type and/or crop value.
  • the following takes the application of a user resource processing method provided by this embodiment in a user resource management scenario as an example to further illustrate the user resource processing method provided by this embodiment.
  • a user resource applied to a user resource management scenario is described below.
  • the processing method specifically includes steps S902 to S918.
  • Step S902 acquiring the plot coordinate information of the crop plot entered by the grower.
  • Step S904 displaying 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 Calculate the marked area of the crop plot based on the plot boundary information.
  • Step S910 determining the remote sensing image crop plot mapped by the plot coordinate information in the pre-acquired remote sensing image.
  • Step S912 Determine the crop type of the crop plot according to the crop species of the image units included in the pre-identified and stored remote sensing image crop plot.
  • step S914 the crop value of the crop plot is calculated based on the marked area and crop type of the crop plot.
  • Step S916 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.
  • Step S918 based on the resource conversion value and the grower's resource preference and/or resource status, generate a resource management strategy for the crop plot.
  • 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 scenario.
  • the resource risk early warning process specifically, the user resource risk early warning process in the user resource management scenario is implemented as follows:
  • FIG. 10 it shows a schematic diagram of an apparatus for processing a credit limit provided by this embodiment.
  • the description is relatively simple, and for the relevant part, please refer to the corresponding description of the method embodiment provided above.
  • the apparatus embodiments described below are merely illustrative.
  • This embodiment provides a credit line processing device, including: an information acquisition module 1002, configured to acquire identity information entered by a target user and plot information of crop plots; a map page display module 1004, configured to The target user displays the map page; the parcel boundary information determination module 1006 is configured to determine the parcel boundary information corresponding to the labeling action in the case of detecting the labeling action input on the map page; the labeling area calculation 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 calculate the marked area based on the marked area, the plot information and the user obtained based on the identity information data to determine the credit limit of the target user.
  • the identity information and the plot information are entered 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 is the same as the target user.
  • Target application binding in the case of detecting the application processing request of the target user for the target application, the trigger control of the credit processing channel is displayed based on the application page of the target application, and the target user triggers the The trigger control is used to trigger the credit processing channel.
  • the target user is shown the credit application page of the credit processing channel under the target application; wherein, the credit application page is configured with an information input interface and a credit application page. application control; the identity information and the land parcel information are input based on the information input interface; correspondingly, the map page display module 1004 is specifically configured to obtain the target user for the credit application control In the case of the submitted application instruction, the map page is displayed to the target user.
  • the credit application page is configured with a plot management control, and if it is detected that the plot management control is triggered, the target user's crop plot is queried and displayed based on the plot management page; When the return control configured on the parcel management page is triggered, return to the credit application page.
  • the credit line processing device further includes: a storage module configured to store the identity information, the plot information and/or the plot boundary information entered by the target user; a time judgment module , is configured to determine the time span between the submission time of the secondary application instruction and the submission time of the application instruction in the case of detecting the secondary application instruction submitted by the target user for the credit application control Whether it 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 display the identity information.
  • the information and the land parcel information are updated to the credit application page and displayed, and/or the coordinate identifier corresponding to the parcel boundary information is updated to the map page and displayed.
  • the credit line processing apparatus further includes: a positioning data acquisition module, configured to acquire the positioning data of the terminal device of the target user; a coordinate identification update module, configured to determine whether the positioning data is in the The coordinate information mapped in the map coordinates to which the map page belongs, and the coordinate identification corresponding to the coordinate information is updated in the map page; the plot area calculation module is configured to calculate the land area of the crop plot based on the positioning data. block area; a second credit limit determination module, configured to determine the second credit limit of the target user according to the plot area, the plot information and the user data.
  • the credit line processing device further includes: a plot area determination module configured to determine whether the plot area included in the plot 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 limit determination module; the second positioning data acquisition module is configured to acquire The positioning data of the terminal device of the target user; the second plot boundary information determination module is configured to determine the second plot boundary information of the crop plot based on the positioning data; the second marked area a calculation module configured to calculate the second marked area of the crop plot based on the second plot boundary information; the third credit limit determination module configured to calculate the second marked area based on the second marked area and the user data, and determine the third credit limit of the target user.
  • a plot area determination module configured to determine whether the plot area included in the plot 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
  • the marked area calculation module 1008 includes: a latitude and longitude coordinate data determination submodule, configured to determine the longitude and latitude coordinate data mapped by the parcel boundary information; a marked area calculation submodule, configured to be based on the longitude and latitude Coordinate data, using an area calculation formula 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 the corresponding longitude coordinate The product of the values is calculated, and the products corresponding to all the latitude coordinate values in the latitude and longitude coordinate data are summed, and the product of one half of the summation result and the coordinate conversion constant is used as the marked area.
  • the credit limit determination module 1010 includes: a plot area comparison sub-module, configured to compare the marked area with the plot area included in the plot information; the first dedicated credit extension A limit determination sub-module, configured to determine a dedicated credit limit according to the marked area and the user data, as the credit limit of the target user, if the comparison result is that the marked area is less than or equal to the plot area; The second dedicated credit limit determination sub-module is configured to determine a dedicated credit limit according to the plot area and the user data, as the target user's credit line.
  • the first dedicated credit limit determination sub-module is specifically configured to use the marked area and the user data as model inputs, input a limit allocation model to allocate credit lines, and output the crop plots to the credit limit.
  • the credit line allocated by the target user is used as the dedicated credit line.
  • 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 to identify crop types, and obtain the crop type identification. a crop type; a crop value calculation module, 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; a fourth credit limit determination module, configured for determining a fourth credit limit of the target user according to the crop value and the user data.
  • a crop type determination module configured to input the land parcel boundary information and corresponding time information into a crop identification model to identify crop types, and obtain the crop type identification.
  • a crop type a crop value calculation module, 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
  • a fourth credit limit determination module configured for determining a fourth credit limit of the target user according to the crop value and the user data.
  • the credit limit processing device further includes: a credit status reading module configured to read the credit status of the target user; a first credit processing module configured to read the credit status of the target user If the credit is not granted, perform credit processing on the target user based on the credit limit; the second credit processing module is configured to, if the credit status of the target user is credit granted, perform credit processing on the target user based on the credit limit.
  • the initial credit line is adjusted; the third credit processing module is configured to generate a performance reminder based on the contract information recorded in the crop management contract signed by the target user if the credit status of the target user is that the credit has been used. sent by the target user.
  • a user resource processing device provided in the specification is as follows: In the above-mentioned embodiment, a user resource processing method is provided, and correspondingly, a user resource processing device is also provided, which is performed below with reference to the accompanying drawings. instruction.
  • FIG. 11 it shows a schematic diagram of a user resource processing apparatus provided in this embodiment.
  • the description is relatively simple, and for the relevant part, please refer to the corresponding description of the method embodiment provided above.
  • the apparatus embodiments described below are merely illustrative.
  • This embodiment provides a user resource processing device, including: a plot information acquisition module 1102, configured to acquire plot information of crop plots entered by a target user; a geographic information page display module 1104, configured to display to the target The 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; the labeling area calculation module 1108, which 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 based on the plot information, the marked area and the user data of the target user , and perform resource operation processing on the user resource of the target user.
  • the resource operation processing module 1110 includes: a dedicated credit limit determination sub-module, which is configured to input the marked area, the land parcel information and the user data as model inputs, and input a quota allocation model for credit granting. quota allocation, outputting the dedicated credit quota allocated to the target user for the crop plot;
  • the credit status reading sub-module is configured to read the credit status of the target user;
  • the first credit processing sub-module is configured is that if the credit status of the target user is not granted, the credit processing is performed on the target user based on the dedicated credit limit;
  • the second credit processing sub-module is configured so that if the credit status of the target user is credit granted, Adjust the initial credit limit of the target user based on the dedicated credit limit;
  • the third credit processing sub-module is configured to, if the credit status of the target user is that the credit has been used, based on the crops signed by the target user Based on the contract information recorded in the operating contract, a performance reminder is generated and sent to the target user.
  • the resource operation processing module 1110 includes: a confidence level calculation sub-module, configured to calculate the confidence level of the parcel information based on the parcel area and the marked area included in the parcel information ; a credit level update sub-module, configured to update the credit level of the target user based on the confidence level and the credit data contained in the user data when the confidence level is greater than a preset credit level threshold.
  • 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 by the plot coordinate information in the pre-acquired remote sensing image; crop type; a determination sub-module, configured to determine the crop type of the crop plot according to the pre-identified and stored crop types of the image units included in the remote sensing image crop plot; the crop value calculation sub-module is configured to be based on the The marked area and the crop type are used to calculate the crop value of the crop plot; the resource conversion numerical calculation sub-module is configured to calculate the corresponding value of the plot information according to the resource conversion rate corresponding to the crop value and the crop type.
  • the resource conversion value; the resource management strategy generation sub-module is configured to generate a resource management strategy for the crop plot based on the resource conversion value and the target user's resource preference and/or resource status.
  • the resource operation processing module 1110 includes: a time information determination sub-module configured to determine time information corresponding to the plot coordinate information contained in the plot information; a second remote sensing image crop plot determination sub-module.
  • the module is configured to determine, based on the time information, the remote sensing image crop plot mapped by the plot coordinate information in the pre-acquired remote sensing image;
  • the second crop type determination sub-module is configured to The crop type of the image unit included in the remote sensing image crop plot determines the crop type of the crop plot;
  • the risk level determination sub-module is configured to be based on the crop type, the marked area, and the plot information
  • the regional information contained in and the fluctuation of the crop value corresponding to the crop type determine the risk level of the crop plot;
  • the risk warning prompt display sub-module is configured to generate a risk early warning prompt based on the risk level and display it to the target user.
  • 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 plot. the crop type; the second crop value calculation sub-module 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; the guarantee amount determination sub-module , which is configured to determine the guaranteed amount of the target user according to the crop value and the user data.
  • 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 plot.
  • the second crop value calculation sub-module 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
  • the guarantee amount determination sub-module which is configured to determine the guaranteed amount of the target user according to the crop value and the user data.
  • the marked area calculation module 1108 includes: a latitude and longitude coordinate data determination submodule, configured to determine the longitude and latitude coordinate data mapped by the parcel boundary information; a marked area calculation submodule, configured to be based on the longitude and latitude Coordinate data, using an area calculation formula 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 the corresponding longitude coordinate The product of the values is calculated, and the products corresponding to all the latitude coordinate values in the latitude and longitude coordinate data are summed, and the product of one half of the summation result and the coordinate conversion constant is used as the marked area.
  • FIG. 12 is a schematic structural diagram of a credit limit 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 vary greatly due to different configurations or performance, and may include one or more processors 1201 and memory 1202 , one or more storage applications or data may be stored in the memory 1202 .
  • the memory 1202 may be short-term storage or persistent storage.
  • the application program stored in memory 1202 may include one or more modules (not shown), each module may include a series of computer-executable instructions in the credit line processing device.
  • the processor 1201 may be arranged to communicate with the memory 1202 to execute a series of computer-executable instructions in the memory 1202 on the credit line processing device.
  • the credit line processing device may also include one or more power supplies 1203, one or more wired or wireless network interfaces 1204, one or more input and output interfaces 1205, one or more keyboards 1206, and the like.
  • the credit line processing device includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and Each module may include a series of computer-executable instructions in the credit line processing apparatus, and the one or more programs configured to be executed by the one or more processors include computer-executable instructions for performing the following: obtaining a target user The entered identity information, as well as the plot information of the crop plot; show the map page to the target user; if the labeling action input on the map page is detected, determine the land parcel boundary information corresponding to the labeling action; The marked area of the crop plot is calculated based on the plot boundary information; the credit limit of the target user is determined according to the marked area, the plot information and the user data obtained based on the identity information.
  • the identity information and the plot information are entered 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 is the same as the target user.
  • Target application binding in the case of detecting the application processing request of the target user for the target application, the trigger control of the credit processing channel is displayed based on the application page of the target application, and the target user triggers the The trigger control is used to trigger the credit processing channel.
  • the target user is shown the credit application page of the credit processing channel under the target application; wherein, the credit application page is configured with an information input interface and a credit application page. an application control; the identity information and the land parcel information are input based on the information input interface; correspondingly, the displaying a map page to the target user includes: after obtaining the target user's application for the credit In the case of the application instruction submitted by the control, the map page is displayed to the target user.
  • the credit application page is configured with a plot management control, and if it is detected that the plot management control is triggered, the target user's crop plot is queried and displayed based on the plot management page; When the return control configured on the parcel management page is triggered, return to the credit application page.
  • the computer-executable instruction when executed, it further includes: storing the identity information, the land parcel information and/or the parcel boundary information entered by the target user; when the target user is detected In the case of the secondary application instruction submitted by the credit application control, 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 the preset time threshold; if so, read The stored identity information, the land parcel information and/or the parcel boundary information, update the identity information and the parcel information to the credit application page and display it, and/or, update the identity information and the parcel information to the credit application page The coordinate identifier corresponding to the parcel boundary information is updated to the map page and displayed.
  • the computer-executable instruction when executed, after the instruction of displaying the map page to the target user is executed, it further includes: acquiring the positioning data of the terminal device of the target user; determining that the positioning data is in the The coordinate information mapped in the map coordinates to which the map page belongs, and the coordinate identifier corresponding to the coordinate information is updated in the map page; the plot area of the crop plot is calculated based on the positioning data; according to the plot area , the land parcel information and the user data to determine the second credit limit of the target user.
  • the acquiring the identity information entered by the target user after triggering the credit processing channel, and the plot information of the crop plot, after the instruction is executed further includes: judging the plot information. Whether the area of the plot contained in the data is greater than the preset area threshold; if so, execute 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; Calculate 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 User's third credit limit.
  • the calculating the marked area of the crop plot based on the plot boundary information includes: determining the latitude and longitude coordinate data mapped by the plot boundary information; using the area calculation formula to calculate based on the latitude and longitude coordinate data.
  • the products corresponding to all the 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.
  • determining the credit limit of the target user according to the marked area, the land parcel information and the user data obtained based on the identity information includes: combining the marked area with the land parcel information. If the comparison result is that the marked area is less than or equal to the plot area, a dedicated credit line is determined according to the marked area and the user data, as the target user's credit If the comparison result is that the marked area is larger than the plot area, a dedicated credit limit is determined according to the plot area and the user data, as the target user's credit limit.
  • the determining of a dedicated credit line according to the marked area and the user data as the credit limit of the target user includes: inputting the marked area and the user data as a model, and inputting a limit allocation model. Perform credit line allocation, and output the credit line allocated to the target user for the crop plot as the dedicated credit line.
  • the computer-executable instruction when executed, it further includes: inputting the field boundary information and the corresponding time information into a crop identification model to identify crop types to obtain the crop types of the crop plot; The crop type, the marked area and the crop attribute corresponding to the crop type are used to calculate the crop value of the crop plot; the fourth credit limit of the target user is determined according to the crop value and the user data.
  • the instruction when the computer-executable instruction is executed, after the instruction of determining the credit limit of the target user is executed according to the marked area, the land parcel information, and the user data obtained based on the identity information, the instruction is also executed. It includes: reading the credit status of the target user; if the credit status of the target user is not granted credit, performing credit processing on the target user based on the credit limit; if the credit status of the target user is credit granted, Adjust the initial credit limit of the target user based on the credit limit; if the credit status of the target user is that the credit has been used, a performance reminder is generated based on the contract information recorded in the crop management contract signed by the target user. and sent to the target user.
  • 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 includes: as shown in FIG. 13 , the user resource processing device may vary greatly due to different configurations or performance, and may include one or more processors 1201 and memory 1202 , one or more storage applications or data may be stored in the memory 1202 .
  • the memory 1202 may be short-term storage or persistent storage.
  • An application program stored in memory 1202 may include one or more modules (not shown), each module may include a series of computer-executable instructions in a user resource processing device.
  • the processor 1201 may be arranged to communicate with the memory 1202 to execute a series of computer-executable instructions in the memory 1202 on a user resource processing device.
  • the user resource processing device may also include one or more power supplies 1203, one or more wired or wireless network interfaces 1204, one or more input and output interfaces 1205, one or more keyboards 1206, and the like.
  • the user resource processing device includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and Each module may include a series of computer-executable instructions in a user resource processing device, and the one or more programs configured to be executed by one or more processors include computer-executable instructions for performing the following: obtaining a target user The plot information of the inputted crop plots; displaying the geographic information page to the target user; if detecting the marking action input on the geographic information page, determine the plot boundary information corresponding to the marking action; The marked area of the crop plot is calculated based on the block boundary information; the resource operation processing is performed on the user resource of the target user according to the plot information, the marked area and the user data of the target user.
  • performing resource operation processing on the user resources of the target user according to the plot information, the marked area, and the user data of the target user includes: The block information and the user data are used as model input, input the quota allocation model for credit quota allocation, and output the dedicated credit quota allocated 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 not granted, the credit processing is performed on the target user based on the dedicated credit limit; The credit limit is adjusted; if the credit status of the target user is that the credit has been 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.
  • performing resource operation processing on the user resources of the target user according to the plot information, the marked area and the user data of the target user includes: based on the information contained in the plot information. Calculate the confidence level of the parcel information based on the plot area and the marked area; when the confidence level is greater than a 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 performing resource operation processing on the user resource of the target user according to the land parcel information, the marked area and the user data of the target user includes: determining that the coordinate information of the land parcel is in advance The remote sensing image crop plot mapped in the obtained remote sensing image; according to the pre-identified and stored crop species of the image unit included in the remote sensing image crop plot, determine the crop species of the crop plot; based on the marked area and Calculate the crop value of the crop plot by 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 described, and a resource management strategy for the crop plot is generated.
  • performing resource operation processing on the user resources of the target user according to the land parcel information, the marked area and the user data of the target user includes: determining the information contained in the land parcel information.
  • the crop type of the included image unit is determined, and the crop type of the crop plot is determined; 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 crop plot; based on the risk level, a risk warning prompt is generated and displayed to the target user.
  • performing resource operation processing on the user resources of the target user according to the land parcel information, the marked area and the user data of the target user includes: converting the land parcel boundary information and corresponding The time information is input into the crop identification model for crop type identification, and the crop type of the crop plot is obtained; based on the crop type, the marked area and the crop attribute corresponding to the crop type, the crops of the crop plot are calculated value; determining the guaranteed amount of the target user according to the crop value and the user data.
  • the calculating the marked area of the crop plot based on the plot boundary information includes: determining the latitude and longitude coordinate data mapped by the plot boundary information; using the area calculation formula to calculate based on the latitude and longitude coordinate data.
  • the products corresponding to all the 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 example of a storage medium provided in this specification is as follows: corresponding to the method for processing a credit line described above, based on the same technical concept, one or more embodiments of this specification further 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 implemented: acquiring the identity information entered by the target user 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 land parcel boundary information corresponding to the labeling action; calculate the labeling area of the crop land based on the land parcel boundary information; The credit limit of the target user is determined based on the marked area, the land parcel information and the user data obtained based on the identity information.
  • the identity information and the plot information are entered 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 is the same as the target user.
  • Target application binding in the case of detecting the application processing request of the target user for the target application, the trigger control of the credit processing channel is displayed based on the application page of the target application, and the target user triggers the The trigger control is used to trigger the credit processing channel.
  • the target user is shown the credit application page of the credit processing channel under the target application; wherein, the credit application page is configured with an information input interface and a credit application page. an application control; the identity information and the land parcel information are input based on the information input interface; correspondingly, the displaying a map page to the target user includes: after obtaining the target user's application for the credit In the case of the application instruction submitted by the control, the map page is displayed to the target user.
  • the credit application page is configured with a plot management control, and if it is detected that the plot management control is triggered, the target user's crop plot is queried and displayed based on the plot management page; When the return control configured on the parcel management page is triggered, return to the credit application page.
  • the computer-executable instruction further implements the following process when executed: storing the identity information, the land parcel information and/or the parcel boundary information entered by the target user; In the case of the secondary application instruction submitted by the target user for the credit application control, 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 the preset time threshold; , read the stored identity information, the land parcel information and/or the parcel boundary information, and update the identity information and the parcel information to the credit application page and display it, and/or , and update the coordinate identifier corresponding to the parcel boundary information to the map page and display it.
  • the computer-executable instruction further implements the following process when executed: acquiring the positioning data of the terminal device of the target user; determining the positioning data The coordinate information mapped in the map coordinates to which the map page belongs, and the coordinate identifier corresponding to the coordinate information is updated in the map page; the plot area of the crop plot is calculated based on the positioning data; The second credit limit of the target user is determined based on the plot area, the plot information and the user data.
  • the computer-executable instruction after the acquisition of the identity information entered by the target user after triggering the credit processing channel, and the execution of the plot information process of the crop plot, the computer-executable instruction also implements the following process when it is executed: judging the Whether the plot area contained in the plot information is greater than the preset area threshold; if so, execute the step of displaying the map page to the target user; if not, obtain the positioning data of the target user's terminal device; based on the positioning data to determine 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 according to the second marked area and the user data The third credit limit of the target user.
  • the calculating the marked area of the crop plot based on the plot boundary information includes: determining the latitude and longitude coordinate data mapped by the plot boundary information; using the area calculation formula to calculate based on the latitude and longitude coordinate data.
  • the products corresponding to all the 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.
  • determining the credit limit of the target user according to the marked area, the land parcel information and the user data obtained based on the identity information includes: combining the marked area with the land parcel information. If the comparison result is that the marked area is less than or equal to the plot area, a dedicated credit line is determined according to the marked area and the user data, as the target user's credit If the comparison result is that the marked area is larger than the plot area, a dedicated credit limit is determined according to the plot area and the user data, as the target user's credit limit.
  • the determining of a dedicated credit line according to the marked area and the user data as the credit limit of the target user includes: inputting the marked area and the user data as a model, and inputting a limit allocation model. Perform credit line allocation, and output the credit line allocated to the target user for the crop plot as the dedicated credit line.
  • the computer-executable instruction also implements the following process when executed: inputting the plot boundary information and the corresponding time information into a crop identification model to identify crop species, and obtain the crop species 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 limit of the target user according to the crop value and the user data .
  • the computer-executable instruction is executed when the process is executed.
  • the following process is also implemented: reading the credit status of the target user; if the credit status of the target user is no credit, perform credit processing on the target user based on the credit limit; if the credit status of the target user is If the credit has been granted, the initial credit limit of the target user is adjusted based on the credit limit; if the credit status of the target user is that the credit has been 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.
  • An example of a storage medium provided in this specification is as follows: Corresponding to a user resource processing method described above, based on the same technical concept, one or more embodiments of this specification further 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 implemented: acquiring plot information of crop plots entered by a target user; displaying geographic information to the target user information page; if the labeling action input on the geographic information page is detected, determine the land parcel boundary information corresponding to the labeling action; calculate the labeling area of the crop parcel based on the land parcel boundary information; The block information, the marked area, and the user data of the target user are used to perform resource operation processing on the user resources of the target user.
  • performing resource operation processing on the user resources of the target user according to the plot information, the marked area, and the user data of the target user includes: The block information and the user data are used as model input, input the quota allocation model for credit quota allocation, and output the dedicated credit quota allocated 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 not granted, the credit processing is performed on the target user based on the dedicated credit limit; The credit limit is adjusted; if the credit status of the target user is that the credit has been 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.
  • performing resource operation processing on the user resources of the target user according to the plot information, the marked area and the user data of the target user includes: based on the information contained in the plot information. Calculate the confidence level of the parcel information based on the plot area and the marked area; when the confidence level is greater than a 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 performing resource operation processing on the user resource of the target user according to the land parcel information, the marked area and the user data of the target user includes: determining that the coordinate information of the land parcel is in advance The remote sensing image crop plot mapped in the obtained remote sensing image; according to the pre-identified and stored crop species of the image unit included in the remote sensing image crop plot, determine the crop species of the crop plot; based on the marked area and Calculate the crop value of the crop plot by 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 described, and a resource management strategy for the crop plot is generated.
  • performing resource operation processing on the user resources of the target user according to the land parcel information, the marked area and the user data of the target user includes: determining the information contained in the land parcel information.
  • the crop type of the included image unit is determined, and the crop type of the crop plot is determined; 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 crop plot; based on the risk level, a risk warning prompt is generated and displayed to the target user.
  • performing resource operation processing on the user resources of the target user according to the land parcel information, the marked area and the user data of the target user includes: converting the land parcel boundary information and corresponding The time information is input into the crop identification model for crop type identification, and the crop type of the crop plot is obtained; based on the crop type, the marked area and the crop attribute corresponding to the crop type, the crops of the crop plot are calculated value; determining the guaranteed amount of the target user according to the crop value and the user data.
  • the calculating the marked area of the crop plot based on the plot boundary information includes: determining the latitude and longitude coordinate data mapped by the plot boundary information; using the area calculation formula to calculate based on the latitude and longitude coordinate data.
  • the products corresponding to all the 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.
  • a Programmable Logic Device (such as a Field Programmable Gate Array (FPGA)) is an integrated circuit whose logic function is determined by user programming of the device.
  • HDL Hardware Description Language
  • ABEL Advanced Boolean Expression Language
  • AHDL Altera Hardware Description Language
  • HDCal JHDL
  • Lava Lava
  • Lola MyHDL
  • PALASM RHDL
  • VHDL Very-High-Speed Integrated Circuit Hardware Description Language
  • Verilog Verilog
  • the controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer readable medium storing computer readable program code (eg software or firmware) executable by the (micro)processor , 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 Silicon Labs C8051F320, the memory controller can also be implemented as part of the control logic of the memory.
  • ARC 625D ARC 625D
  • Atmel AT91SAM Microchip PIC18F26K20
  • Silicon Labs C8051F320 Silicon Labs
  • the controller in addition to implementing the controller in the form of pure computer readable program code, the controller can be implemented as logic gates, switches, application specific integrated circuits, programmable logic controllers and embedded devices by logically programming the method steps.
  • the same function can be realized in the form of a microcontroller, etc. Therefore, such a controller can be regarded as a hardware component, and the devices included therein for realizing various functions can also be regarded as a structure within the hardware component. Or even, the means for implementing various functions can be regarded as both a software module implementing a method and a structure within a hardware component.
  • a typical implementation device is a computer.
  • the computer may be, for example, a personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media player, navigation device, email device, game console, tablet computer, wearable device, or A combination of any of these devices.
  • one or more embodiments of this specification may be provided as a method, system or computer program product. Accordingly, one or more embodiments of this specification may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present 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 storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.
  • computer-usable storage media including, but not limited to, disk storage, CD-ROM, optical storage, etc.
  • These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory result in an article of manufacture comprising instruction means, the instructions
  • the apparatus implements the functions specified in the flow or flow of the flowcharts and/or the block or blocks of the block diagrams.
  • a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
  • Memory may include forms of non-persistent memory, random access memory (RAM) and/or non-volatile memory in computer readable media, such as read only memory (ROM) or flash memory (flash RAM).
  • RAM random access memory
  • ROM read only memory
  • flash RAM flash memory
  • Computer-readable media includes both persistent and non-permanent, removable and non-removable media, and storage of information may be implemented by any method or technology. The information may be computer readable instructions, data structures, modules of programs, or other data.
  • Examples of computer storage media include, but are not limited to, phase-change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read only memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), Flash Memory or other memory technology, Compact Disc Read Only Memory (CD-ROM), Digital Versatile Disc (DVD) or other optical storage, Magnetic tape cartridges, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission medium that can be used to store information that can be accessed by a computing device.
  • computer-readable media does not include transitory computer-readable media, such as modulated data signals and carrier waves.
  • 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.
  • program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types.
  • One or more embodiments of this specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network.
  • program modules may be located in both local and remote computer storage media including storage devices.

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Abstract

一种授信额度处理方法及装置、用户资源处理方法及装置，其中，所述授信额度处理方法包括：获取目标用户录入的身份信息，以及作物地块的地块信息（S102）；向所述目标用户展示地图页面（S104）；若检测到在所述地图页面输入的标注动作，确定所述标注动作对应的地块边界信息（S106）；基于所述地块边界信息计算所述作物地块的标注面积（S108）；根据所述标注面积、所述地块信息以及基于所述身份信息获取的用户数据，确定所述目标用户的授信额度（S110）。

Description

授信额度处理方法及装置、用户资源处理方法及装置 技术领域
本文件涉及数据处理技术领域，尤其涉及一种授信额度处理方法及装置、用户资源处理方法及装置。
背景技术
随着通信技术和大数据在传统行业的推广和应用，在农业、林业、水产种植业等领域，已经出现了基于大数据进行数字化生产管理的服务，但对于传统种植大户而言，其收入来源则主要是依赖于生产种植活动，取决于其作物种植面积以及作物种类，这部分用户在进行资产评估、合同签署、征信分析等活动时受限于数据维度稀薄，往往处于较为不利的地位。
发明内容
本说明书一个或多个实施例提供了一种授信额度处理方法。所述授信额度处理方法包括：获取目标用户录入的身份信息，以及作物地块的地块信息。向所述目标用户展示地图页面。若检测到在所述地图页面输入的标注动作，确定所述标注动作对应的地块边界信息。基于所述地块边界信息计算所述作物地块的标注面积。根据所述标注面积、所述地块信息以及基于所述身份信息获取的用户数据，确定所述目标用户的授信额度。
本说明书一个或多个实施例提供了一种用户资源处理方法，包括：获取目标用户录入的作物地块的地块信息。向所述目标用户展示地理信息页面。若检测到在所述地理信息页面输入的标注动作，确定所述标注动作对应的地块边界信息。基于所述地块边界信息计算所述作物地块的标注面积。根据所述地块信息、所述标注面积以及所述目标用户的用户数据，对所述目标用户的用户资源进行资源操作处理。
本说明书一个或多个实施例提供了一种授信额度处理装置，包括：信息获取模块，被配置为获取目标用户录入的身份信息，以及作物地块的地块信息。地图页面展示模块，被配置为向所述目标用户展示地图页面。地块边界信息确定模块，被配置为在检测到在所述地图页面输入的标注动作的情况下，确定所述标注动作对应的地块边界信息。标注面积计算模块，被配置为基于所述地块边界信息计算所述作物地块的标注面积。授信额度确定模块，被配置为根据所述标注面积、所述地块信息以及基于所述身份信息获取的用户数据，确定所述目标用户的授信额度。
本说明书一个或多个实施例提供了一种用户资源处理装置，包括：地块信息获取模块，被配置为获取目标用户录入的作物地块的地块信息。地理信息页面展示模块，被配置为向所述目标用户展示地理信息页面。地块边界信息确定模块，被配置为在检测到在所述地理信息页面输入的标注动作的情况下，确定所述标注动作对应的地块边界信息。标注面积计算模块，被配置为基于所述地块边界信息计算所述作物地块的标注面积。资源操作处理模块，被配置为根据所述地块信息、所述标注面积以及所述目标用户的用户数据，对所述目标用户的用户资源进行资源操作处理。
本说明书一个或多个实施例提供了一种授信额度处理设备，包括：处理器；以及，被配置为存储计算机可执行指令的存储器，所述计算机可执行指令在被执行时使所述处理器：获取目标用户录入的身份信息，以及作物地块的地块信息。向所述目标用户展示地图页面。若检测到在所述地图页面输入的标注动作，确定所述标注动作对应的地块边界信息。基于所述地块边界信息计算所述作物地块的标注面积。根据所述标注面积、所 述地块信息以及基于所述身份信息获取的用户数据，确定所述目标用户的授信额度。
本说明书一个或多个实施例提供了一种用户资源处理设备，包括：处理器；以及，被配置为存储计算机可执行指令的存储器，所述计算机可执行指令在被执行时使所述处理器：获取目标用户录入的作物地块的地块信息。向所述目标用户展示地理信息页面。若检测到在所述地理信息页面输入的标注动作，确定所述标注动作对应的地块边界信息。基于所述地块边界信息计算所述作物地块的标注面积。根据所述地块信息、所述标注面积以及所述目标用户的用户数据，对所述目标用户的用户资源进行资源操作处理。
本说明书一个或多个实施例提供了一种存储介质，用于存储计算机可执行指令，所述计算机可执行指令在被执行时实现以下流程：获取目标用户录入的身份信息，以及作物地块的地块信息。向所述目标用户展示地图页面。若检测到在所述地图页面输入的标注动作，确定所述标注动作对应的地块边界信息。基于所述地块边界信息计算所述作物地块的标注面积。根据所述标注面积、所述地块信息以及基于所述身份信息获取的用户数据，确定所述目标用户的授信额度。
本说明书一个或多个实施例提供了一种存储介质，用于存储计算机可执行指令，所述计算机可执行指令在被执行时实现以下流程：获取目标用户录入的作物地块的地块信息。向所述目标用户展示地理信息页面。若检测到在所述地理信息页面输入的标注动作，确定所述标注动作对应的地块边界信息。基于所述地块边界信息计算所述作物地块的标注面积。根据所述地块信息、所述标注面积以及所述目标用户的用户数据，对所述目标用户的用户资源进行资源操作处理。
附图说明
图1为本说明书一个或多个实施例提供的一种授信额度处理方法处理流程图；
图2为本说明书一个或多个实施例提供的一种授信申请页面的示意图；
图3为本说明书一个或多个实施例提供的一种地块管理页面的示意图；
图4为本说明书一个或多个实施例提供的第一种地图页面的示意图；
图5为本说明书一个或多个实施例提供的第二种地图页面的示意图；
图6为本说明书一个或多个实施例提供的一种应用于助农贷款项目场景的授信额度处理方法处理流程图；
图7为本说明书一个或多个实施例提供的一种用户资源处理方法处理流程图；
图8为本说明书一个或多个实施例提供的一种应用于保障项目场景的用户资源处理方法处理流程图；
图9为本说明书一个或多个实施例提供的一种应用于用户资源管理场景的用户资源处理方法处理流程图；
图10为本说明书一个或多个实施例提供的一种授信额度处理装置示意图；
图11为本说明书一个或多个实施例提供的一种用户资源处理装置示意图；
图12为本说明书一个或多个实施例提供的一种授信额度处理设备的结构示意图；
图13为本说明书一个或多个实施例提供的一种用户资源处理设备的结构示意图。
具体实施方式
本说明书提供的一种授信额度处理方法实施例：参照图1，其示出了本实施例提供的一种授信额度处理方法处理流程图，参照图2，其示出了本实施例提供的一种授信申请页面的示意图，参照图3，其示出了本实施例提供的一种地块管理页面的示意图，参照图4，其示出了本实施例提供的第一种地图页面的示意图，参照图5，其示出了本实施例提供的第二种地图页面的示意图，参照图6，其示出了本实施例提供的一种应用于助农贷款项目场景的授信额度处理方法处理流程图。
参见图1，本实施例提供的授信额度处理方法，包括步骤S102至步骤S110。
步骤S102，获取目标用户录入的身份信息，以及作物地块的地块信息。
实际应用中，对于农业领域、林业领域或者水产种植领域的传统种植大户，其收入主要依赖生产种植活动，取决于作物种植面积以及作物种类，同时，由于这部分用户(种植户)进行线上支付的活跃度本身也比较低，因此在进行经营贷款、资产评估、合同签署、征信分析等活动时，很难获得较大的额度。
本实施例提供的授信额度处理方法，针对部分在作物种植大户清单中的目标用户，结合具体的线上应用或者线上服务，为这部分目标用户开通专属的授信处理通道，使目标用户能够通过“自证”的方式对作物地块进行信息录入和标注，具体的，目标用户可通过授信处理通道录入身份信息和作物地块的地块信息，并且，通过授信处理通道提供的在地图页面进行作物地块标注的标注服务，能够提升作物地块标注的精准度；进一步，在对作物地块进行标注的基础上，结合地块标注后计算出的地块面积、用户录入的地块信息以及目标用户的用户数据进行授信评估，为用户分配更加合理的授信额度，以使目标用户能够获得更加符合自身实际资产状况的授信额度，并且，提供的授信额度能够为目标用户的基础生产经营提供便利，进而促进目标用户的生产经营效率的提升。
本实施例所述目标用户，是指记录在预设用户清单(比如，种植大户清单)中的用户，具体的，可将拥有或承包大额土地(如大于10亩)并以此为主要经济来源的种植户定义为种植大户列入种植大户清单。该种植大户清单可由第三方机构提供，也可在对种植户进行线下地调后确定该种植大户清单，还可通过种植户申请，基于审核通过的申请对应的种植户生成该种植大户清单，对此不做限定。所述身份信息，是指与目标用户的身份相关的信息，比如种植户的姓名、身份证号和联系方式。
所述作物地块，是指用于种植农作物、林业作物、水生作物等地表生长作物的土地、水田或者海水种植区域。所述地块信息，包括作物地块的地块面积，比如以亩为度量单位的地块面积数值。除此之外，目标用户录入的地块信息，还可是作物地块所种植的作物种类、作物地块所处的地块坐标信息以及时间信息等。
需要说明的是，本实施例针对预设用户清单中的目标用户开放授信处理通道，所述授信处理通道与目标应用绑定，并且目标用户的身份信息和地块信息是在目标用户触发授信处理通道之后录入，换言之，预设用户清单中的目标用户，能够通过目标应用绑定的授信处理通道进行信息录入和授信额度处理，比如在目标应用的使用过程中通过录入信息来进行授信额度的提额处理；具体的，本实施例提供的一种可选实施方式中，在检测到目标用户针对目标应用的应用处理请求的情况下，基于目标应用的应用页面展示授信处理通道的触发控件，目标用户通过触发所述触发控件来触发所述授信处理通道。
其中，授信是指银行、支付平台等机构向用户直接提供的资金，或对用户在有关活动中可能产生的赔偿、支付责任做出的保证，授信既可针对贷款、票据抵押、透支、各项垫款等表内服务，还可针对票据承兑、开信用证、保函等表外服务。授信额度，是 指银行、支付平台等机构为用户核定的短期授信业务的存量管理指标。
例如，支付平台中的贷款应用绑定了授信额度提升通道，种植大户清单中的种植户在该贷款应用申请贷款的过程中，贷款额度需要参考种植户的授信额度来确定，具体而言，种植大户清单中的种植户A在使用贷款应用进行贷款的过程中，贷款应用的应用页面设置有为种植户进行提额处理的提额控件；种植户A可通过点击贷款应用的应用页面设置的提额控件来触发授信额度提升通道，从而通过授信额度提升通道进行授信额度的提额处理。
在对用户进行授信并赋予用户相应授信额度的基础上，为了扶持或者帮助用户的种植生产经营活动，以用户的信用为担保或者抵押向用户提供相应的资源，以此来保障用户的种植生产经营活动能够维持，具体的，本实施例通过向用户提供信用担保或者抵押贷款的方式来使用户的种植生产经营活动能够正常进行，具体是通过与用户签订作物经营合约的方式为用户提供相应的资源扶持或者资金帮助，作物经营合约是指用户基于自身的授信额度与资源提供方签订的合约，并且签订该作物经营合约之后获得的资源被约定用于种植生产经营活动。
具体的，签订所述作物经营合约的用户可从贷款提供机构获得相应资金，除此之外，签订所述作物经营合约的用户还可从设备提供机构获得种植生产经营活动中所需种植生产设备，或者，签订所述作物经营合约的用户还可从原料提供机构获得种植生产经营活动中所需种植原料，对此不做限定。
本实施例提供的一种可选实施方式中，作物经营合约具体采用如下方式进行签订：获取所述用户通过触发目标应用的合约申请页面配置的申请控件提交的申请请求；判断所述申请请求中包含的申请数额是否小于或者等于所述授信额度；若是，基于所述申请数额和所述用户提交的所述作物地块的地块信息，以所述用户为合约参与方签订所述作物经营合约；若否，表明所述用户申请的额度超出该用户的授信额度，向所述用户发送申请的额度超出所述授信额度的提醒即可。
例如，支付平台中的贷款应用向种植户A开放申请助农贷款功能，种植户A可通过该贷款应用申请进行种植生产经营活动的贷款，具体申请过程中，输入相应的贷款申请额度，并通过触发贷款应用的申请页面配置的申请控件来提交贷款请求，在获取到种植户A提交的贷款请求之后，基于贷款请求中携带的种植户A的贷款申请额度，判断种植户A提交的贷款申请额度是否大于种植户A的授信额度(假设为10000元)；如果种植户A提交的贷款申请额度小于10000元，则以种植户A为借款方、资金提供方为借出方签订助农经营贷款合约，同时，在助农经营贷款合约中记录种植户A的作为地块的作物种类、作物地块所处的地块坐标信息以及时间信息等地块信息。
如上所述，所述用户在种植生产经营活动中获得资源扶持的前提，是以所述用户的信用为担保或者抵押，并在所述用户的授信额度中扣除或者冻结相应的额度部分；可选的，本实施例所述合约信息中包含所述作物经营合约的合约额度，所述用户在基于所述授信额度签订所述作物经营合约之后，签订所述作物经营合约所使用的所述授信额度中所述合约额度对应的已用子额度被冻结；相应的，所述已用子额度在所述用户履行所述作物经营合约中记录的履约条款之后被恢复。
例如，种植户A的授信额度为10000元，如果种植户A申请6000元以供种植使用，则在签订作物经营合约之后10000元授信额度中的6000元被冻结；相应的，如果种植户A偿还了6000元中的部分或者全部，则相应的会在被冻结的授信额度中解冻偿还的部分。
进一步，在检测到授信处理通道的触发控件被触发之后，向目标用户展示目标应 用下授信处理通道的授信申请页面；其中，所述授信申请页面配置有信息录入接口和授信申请控件；所述身份信息和所述地块信息基于所述信息录入接口进行录入。相应的，下述步骤S104向目标用户展示地图页面，在获取到目标用户针对所述授信申请控件提交的申请指令的情况下，向目标用户展示所述地图页面。
沿用上例，在检测到贷款应用的应用页面设置的提额控件被种植户A触发之后，则在贷款应用中向种植户A展示进行授信额度提额处理的申请页面，如图2所示，该申请页面配置有信息输入窗口201和申请按钮202，种植户A可通过信息输入窗口201输入姓名、身份证、手机号和即将录入的作物地块的地块面积。
更进一步，所述授信申请页面配置有地块管理控件，若检测到所述地块管理控件被触发，则查询所述目标用户的作物地块并基于地块管理页面进行展示；在所述地块管理页面配置的返回控件被触发的情况下，返回所述授信申请页面。
仍以支付平台中的贷款应用为例，如图2所示，申请页面还配置有地块添加按钮203，若该地块添加按钮203被种植户A触发，则进入图3所示的地块管理页面，该地块管理页面显示有种植户A已添加的5个作物地块：地块1为种植小麦的作物地块，地块2为种植马铃薯的作物地块，地块3为种植玉米的作物地块，地块4为种植水稻的作物地块，地块5为种植大豆的作物地块；如果种植户A想要在该地块管理页面继续添加作物地块，则点击添加地块按钮301进行添加即可，具体的，添加地块按钮301被点击之后，进入图4所示的地图页面；如果种植户A完成作物地块的添加，则可通过点击返回申请按钮302返回图2所示的申请页面。
实际应用中，目标用户携带的终端设备屏幕尺寸往往有限，并且终端设备上显示的地图页面的地图精度也存在一定的限制，在这种情况下，如果目标用户的作物地块的面积很小，很难在地图页面上标注出相应的作物地块，或者标注出的作物地块的面积非常小，导致作物地块的标注准确度较低，本实施例提供的一种可选实施方式中，为了提升目标用户在地图页面的标注体验，以及提升目标用户进行作物地块标注的准确度，通过判断所述地块信息中包含的地块面积是否大于预设面积阈值，来决定是否采用地图页面标注的方式进行作物地块添加，若所述地块信息中包含的地块面积大于预设面积阈值，则执行下述步骤S104，向目标用户展示地图页面；另一方面，若所述地块信息中包含的地块面积小于或者等于预设面积阈值，则借助目标用户的终端设备进行作物地块添加，具体的，首先获取目标用户的终端设备的定位数据，然后基于所述定位数据确定所述作物地块的第二地块边界信息；其次基于所述第二地块边界信息计算所述作物地块的第二标注面积；最后根据所述第二标注面积和所述用户数据，确定所述目标用户的第三授信额度。所述用户数据，包括目标用户在各类维度下的数据，比如，种植户在信用维度的征信数据，在资产维度的资产数据，在应用维度的应用使用数据。
例如，种植户B在图2所示的申请页面输入的作物地块的地块面积为4.8亩，小于预先设置的采用地图页面标注方式进行作物地块标注的面积阈值8亩，在这种情况下，以种植户B携带的移动终端的GPS定位数据，作为种植户B待添加的作物地块的地块边界信息，按照这一逻辑，如果种植户B携带移动终端绕着待添加的作物地块移动一周，则通过种植户B携带的移动终端的GPS定位数据，就能确定待添加的作物地块整体的地块边界信息，据此可计算出待添加的作物地块的地块面积，还进一步根据计算出的地块面积，结合种植户B的用户数据，确定种植户B的授信额度，此处授信额度的确定过程与下述步骤S110类似，参见步骤S110提供的具体实现过程，在此不再赘述。
步骤S104，向所述目标用户展示地图页面。
具体实施时，在向目标用户展示地图页面的过程中，为了便于目标用户基于展示的地图页面进行作物地块标注，可根据目标用户录入的地块信息中包含的地块面积，根 据地块面积与地图页面的地图精度的对应关系，将地图页面显示的地图精度调整至与地块面积相适配的精度，以提升目标用户后续在地图页面进行作物地块标注的效率。
具体实施时，为了便于目标用户更加直观的查看作物地块的添加过程，增强目标用户对作物地块添加过程的感知，本实施例提供的一种可选实施方式中，在向目标用户展示地图页面的基础上，获取所述目标用户的终端设备的定位数据，进一步确定所述定位数据在所述地图页面所属地图坐标中映射的坐标信息，并在所述地图页面中更新所述坐标信息对应的坐标标识，基于所述定位数据计算所述作物地块的地块面积，根据所述地块面积、所述地块信息以及所述用户数据，确定所述目标用户的第二授信额度。
例如，图4所示的地图页面，若该地图页面为向种植户C展示的地图页面，则根据种植户C携带的移动终端的GPS定位数据，确定该GPS定位数据在地图页面中对应的坐标位置，并在地图页面中该坐标位置显示相应的标记，按照这一逻辑，如果种植户C携带移动终端绕着待添加的作物地块移动一周，则通过种植户C携带的移动终端的GPS定位数据，就能确定待添加的作物地块整体的地块边界信息，并在地图页面显示闭合的地块边界标记，据此，可计算出待添加的作物地块的地块面积，还进一步根据计算出的地块面积，结合种植户C录入的地块信息以及种植户C的用户数据，确定种植户C的授信额度，此处授信额度的确定过程与下述步骤S110类似，参见步骤S110提供的具体实现过程，在此不再赘述。
步骤S106，若检测到在所述地图页面输入的标注动作，确定所述标注动作对应的地块边界信息。
具体在确定所述标注动作对应的地块边界信息的过程中，首先根据目标用户在所述地图页面输入的标注动作，确定所述标注动作在所述地图页面中对应的地图边界信息，即：确定作物地块在地图维度的地块边界；然后根据地图维度的地图位置与实际地理区域纬度的地理位置的映射关系，确定所述地图边界信息对应的地理位置边界信息，作为所述标注动作对应的地块边界信息。
比如，根据种植户A在图4所示的地图页面输入的标注动作，确定种植户A输入的标注动作在地图页面对应的地图边界信息，并在地图页面显示该地图边界信息，如图5所示；以及，根据地图页面的地图边界信息与经纬度信息的映射关系，确定种植户A输入的标注动作对应的经纬度信息。
在确定所述标注动作对应的地块边界信息的过程中，还可将地图边界信息作为所述标注动作对应的地块边界信息，后续步骤S108计算所述作物地块的标注面积的过程中，将地图边界信息转化为实际边界信息，然后基于实际边界信息进行标注面积的计算。
实际应用中，往往会出现目标用户进行的信息录入过程或者作物地块标注过程被中断，比如种植户在添加多个作物地块时发生中断，退出图2所示的申请页面或者退出图3所示的地块管理页面，在这种情况下，如果目标用户想要继续之前被中断的信息录入过程或者作物地块标注过程，需要重新执行之前已经执行的信息录入过程或者作物地块标注过程，本实施例提供的一种可选实施方式中，为了提升避免目标用户重复执行信息录入过程或者作物地块标注过程，采用如下方式对被中断的处理过程进行恢复：
1)存储目标用户录入的所述身份信息、所述地块信息和/或所述地块边界信息；
2)在检测到目标用户针对所述授信申请控件提交的二次申请指令的情况下，判断所述二次申请指令的提交时间与所述申请指令的提交时间之间的时间跨度是否大于预设时间阈值；
若是，读取存储的所述身份信息、所述地块信息和/或所述地块边界信息，并将所 述身份信息、所述地块信息更新至所述授信申请页面并展示，和/或，将所述地块边界信息对应的坐标标识更新至所述地图页面并展示；若否，表明目标用户再次进行信息录入或者作物地块标注的时间与之前进行信息录入或者作物地块标注的时间之间的时间跨度较大，向目标用户发出相应的提醒或者不作处理即可。
步骤S108，基于所述地块边界信息计算所述作物地块的标注面积。
本实施例中，通过经纬度数据来计算目标用户的作物地块的标注面积，可选的，在具体计算过程中，首先确定所述地块边界信息映射的经纬度坐标数据，然后基于所述经纬度坐标数据，采用面积计算公式计算所述作物地块的标注面积；其中，所述面积计算公式包括：计算经纬度坐标数据中与纬度坐标数值相邻的两个纬度坐标数值的差值与对应经度坐标数值的乘积，并对经纬度坐标数据中所有纬度坐标数值对应的乘积进行求和，将求和结果的二分之一与坐标转换常数的乘积作为所述标注面积。
例如，种植户A在地图页面进行标注之后，地图页面显示的作物地块的边界如图5所示，根据确定的种植户A的地块边界信息，确定种植户A的作物地块的经纬度坐标数据为：(x 1，y 1)、(x 2，y 2)、···(x n，y n)；然后根据如下公式计算种植户A的作物地块的地块面积S：
地块面积
Figure PCTCN2021102040-appb-000001
其中，公式中的9101160000.085981为坐标转换常数；最终，基于该公式计算获得的地块面积为1403亩3分。
步骤S110，根据所述标注面积、所述地块信息以及基于所述身份信息获取的用户数据，确定所述目标用户的授信额度。
如上所述，目标用户的用户数据包括目标用户在各类维度下的数据，比如，种植户在信用维度的征信数据，在资产维度的资产数据，在应用维度的应用使用数据。需要说明的是，在确定目标用户的授信额度的过程中，引入目标用户的用户数据的目的是，通过结合目标用户在多维度的数据来综合评估目标用户的授信额度，以此来提升授信额度评估的准确性和全面性。
具体实施时，在上述计算出目标用户的作物地块的地块面积的基础上，为了提升地块面积的有效性，进而提升基于地块面积确定的授信额度的准确性，本实施例提供的一种可选实施方式中，将计算获得的标注面积与所述地块信息中包含的地块面积进行比对；若比对结果为所述标注面积小于或者等于所述地块面积，根据所述标注面积和所述用户数据确定专用授信额度，作为所述目标用户的授信额度；若比对结果为所述标注面积大于所述地块面积，根据所述地块面积和所述用户数据确定专用授信额度，作为所述目标用户的授信额度。
具体的，本实施例提供的一种可选实施方式中，根据所述标注面积和所述用户数据确定专用授信额度的过程中，通过将所述标注面积和所述用户数据作为模型输入，输入额度分配模型进行授信额度分配，输出针对所述作物地块向目标用户分配的专用授信额度，作为所述授信额度，以此来提升目标用户的授信额度确定过程中的处理效率。
与之相类似，根据所述地块信息中包含的地块面积和所述用户数据确定专用授信额度的过程中，通过将所述地块信息中包含的地块面积和所述用户数据作为模型输入，输入额度分配模型进行授信额度分配，输出针对所述作物地块向目标用户分配的专用授信额度，作为所述授信额度。
此外，在具体实施时，在确定目标用户的授信额度的过程中，为了进一步提升目 标用户的授信额度的准确性，还可从目标用户的作物地块的作物价值出发确定授信额度，由此确定的授信额度与目标用户的实际资产状况更加吻合，也更符合用户的实际偿还能力，本实施例提供的一种可选实施方式中，将所述地块边界信息以及对应的时间信息输入作物识别模型进行作物种类识别，获得所述作物地块的作物种类；然后基于所述作物种类、所述标注面积和所述作物种类对应的作物属性，计算所述作物地块的作物价值；最后根据所述作物价值和所述用户数据确定所述目标用户的第四授信额度。
实际应用中，不同的目标用户可能出于不同的需求申请所述授信额度，或者在申请授信额度时处于不同的授信状态，比如有的种植户在申请授信额度时尚未开通授信服务，或者，有的种植户在申请授信额度时已经开通授信服务并且已经拥有一定的授信额度，再或者，有的种植户在申请授信额度时已经通过贷款或者抵押使用其授信额度，本实施例提供的一种可选实施方式中，为了提升目标用户的用户体验，从目标用户的授信状态出发，对不同授信状态的目标用户进行针对性处理，具体的，读取所述目标用户的授信状态；若所述目标用户的授信状态为未授信，基于所述授信额度对所述目标用户进行授信处理；若所述目标用户的授信状态为已授信，基于所述授信额度对所述目标用户的初始授信额度进行调整；若所述目标用户的授信状态为授信已用，基于所述目标用户参与签订的作物经营合约中记录的合约信息，生成履约提醒并向所述目标用户发送。
此外，需要说明的是，上述根据所述标注面积、所述地块信息以及基于所述身份信息获取的用户数据，确定所述目标用户的授信额度这一实现，根据不同应用场景的场景特性，还可被替换为不同应用场景中的相应处理动作，下述提供在5种不同实现场景的具体实现方式：第一种实现方式：将所述标注面积、所述地块信息以及所述用户数据作为模型输入，输入额度分配模型进行授信额度分配，输出针对所述作物地块向所述目标用户分配的专用授信额度；读取所述目标用户的授信状态；若所述目标用户的授信状态为未授信，基于所述专用授信额度对所述目标用户进行授信处理；若所述目标用户的授信状态为已授信，基于所述专用授信额度对所述目标用户的初始授信额度进行调整；若所述目标用户的授信状态为授信已用，基于所述目标用户参与签订的作物经营合约中记录的合约信息，生成履约提醒并向所述目标用户发送。
第二种实现方式：基于所述地块信息中包含的地块面积和所述标注面积，计算所述地块信息的置信度；在所述置信度大于预设置信度阈值的情况下，基于所述置信度和所述用户数据中包含的信用数据，更新所述目标用户的信用等级。
第三种实现方式：确定所述地块坐标信息在预先获取的遥感影像中映射的遥感影像作物地块；根据预先识别并存储的所述遥感影像作物地块包含的影像单元的作物种类，确定所述作物地块的作物种类；基于所述标注面积和所述作物种类计算所述作物地块的作物价值；根据所述作物价值和所述作物种类对应的资源转化率，计算所述地块信息对应的资源转化数值；基于所述资源转化数值和所述目标用户的资源偏好和/或资源状态，生成所述作物地块的资源管理策略。
第四种实现方式：确定所述地块信息中包含的地块坐标信息对应的时间信息；基于所述时间信息，确定所述地块坐标信息在预先获取的遥感影像中映射的遥感影像作物地块；根据预先识别并存储的所述遥感影像作物地块包含的影像单元的作物种类，确定所述作物地块的作物种类；基于所述作物种类、所述标注面积、所述地块信息中包含的地域信息以及作物种类对应的作物价值波动，确定所述作物地块的风险等级；基于所述风险等级生成风险预警提示并向所述目标用户展示。
第五种实现方式：将所述地块边界信息以及对应的时间信息输入作物识别模型进行作物种类识别，获得所述作物地块的作物种类；基于所述作物种类、所述标注面积和所述作物种类对应的作物属性，计算所述作物地块的作物价值；根据所述作物价值和所 述用户数据确定所述目标用户的保障额度。
下述以本实施例提供的一种授信额度处理方法在助农贷款项目场景的应用为例，对本实施例提供的授信额度处理方法进行进一步说明，参见图6，应用于助农贷款项目场景的授信额度处理方法，具体包括步骤S602至步骤S622。
步骤S602，获取种植户在助农贷款项目的项目页面触发授信处理通道之后录入的身份信息，以及作物地块的地块信息。
具体的，在检测到种植户针对助农贷款项目的申请请求的情况下，基于助农贷款项目的项目页面展示授信处理通道的触发控件；在检测到触发控件被触发之后，向种植户展示助农贷款项目下授信处理通道的授信申请页面；其中，授信申请页面配置有信息录入接口和授信申请控件；种植户的身份信息和地块信息基于信息录入接口进行录入。此外，授信申请页面还配置有地块管理控件。
其中，身份信息，是指与种植户的身份相关的信息，比如种植户的姓名、身份证号和联系方式。作物地块，是指用于种植农作物、林业作物、水生作物等地表生长作物的土地、水田或者海水种植区域。地块信息，包括作物地块的地块面积，比如以亩为度量单位的地块面积数值。
步骤S604，在获取到种植户针对授信申请控件提交的申请指令的情况下，向种植户展示地图页面。
步骤S606，若检测到在种植户在地图页面输入的标注动作，确定标注动作对应的地块边界信息。
具体在确定标注动作对应的地块边界信息的过程中，首先根据种植户在地图页面输入的标注动作，确定标注动作在地图页面中对应的地图边界信息，即：确定作物地块在地图维度的地块边界；然后根据地图维度的地图位置与实际地理区域纬度的地理位置的映射关系，确定地图边界信息对应的地理位置边界信息，作为标注动作对应的地块边界信息。
步骤S608，基于地块边界信息计算作物地块的标注面积。
根据确定的种植户的地块边界信息，确定种植户的作物地块的经纬度坐标数据为：(x 1，y 1)、(x 2，y 2)、···(x n，y n)；然后根据如下公式计算种植户A的作物地块的地块面积S：
地块面积
Figure PCTCN2021102040-appb-000002
其中，9101160000.085981为坐标转换常数。
步骤S610，将标注面积与地块信息中包含的地块面积进行比对。
步骤S612，若比对结果为标注面积小于或者等于地块面积，根据标注面积和种植户的用户数据确定专用授信额度，作为种植户的专用授信额度。
具体的，根据标注面积和用户数据确定专用授信额度的过程中，在确定目标用户的授信额度的过程中，通过将标注面积和用户数据作为模型输入，输入额度分配模型进行授信额度分配，输出针对作物地块向种植户分配的专用授信额度。
步骤S614，若比对结果为所述标注面积大于所述地块面积，根据地块面积和种植户的用户数据确定专用授信额度，作为种植户的专用授信额度。
步骤S616，读取种植户的授信状态。
步骤S618，若种植户的授信状态为未授信，基于专用授信额度对种植户进行授信处理。
步骤S620，若种植户的授信状态为已授信，基于专用授信额度对种植户的初始授信额度进行调整。
步骤S622，若种植户的授信状态为授信已用，基于种植户参与签订的助农贷款项目的助农经营贷款合约中记录的合约信息，生成履约提醒并向种植户发送。
本说明书提供的一种用户资源处理方法实施例如下：参照图7，其示出了本实施例提供的一种用户资源处理方法处理流程图，所述用户资源处理方法具体包括步骤S702至步骤710。
步骤S702，获取目标用户录入的作物地块的地块信息。
本实施例提供的用户资源处理方法，通过获取目标用户的作物地块的地块信息，并对目标用户的作物地块进行标注，进一步，在对作物地块进行标注的基础上，结合地块标注后计算出的地块面积、用户录入的地块信息以及目标用户的用户数据对目标用户进行授信评估，为用户分配更加合理的授信额度，以此对目标用户的用户资源进行更加有效的管理，进而促进目标用户的生产经营效率的提升。
所述作物地块，是指用于种植农作物、林业作物、水生作物等地表生长作物的土地、水田或者海水种植区域。所述地块信息，包括作物地块的地块面积、作物种类、作物地块所处的地块坐标信息以及时间信息中的一项或者多项。
本实施例针对预设用户清单中的目标用户开放授信处理通道，所述授信处理通道与目标应用绑定，并且目标用户的地块信息是在目标用户触发授信处理通道之后录入，换言之，预设用户清单中的目标用户，能够通过目标应用绑定的授信处理通道进行信息录入和授信额度处理，比如在目标应用的使用过程中通过录入信息来进行授信额度的提额处理；具体的，本实施例提供的一种可选实施方式中，在检测到目标用户针对目标应用的应用处理请求的情况下，基于目标应用的应用页面展示授信处理通道的触发控件，目标用户通过触发所述触发控件来触发所述授信处理通道。
其中，授信是指银行、支付平台等机构向用户直接提供的资金，或对用户在有关活动中可能产生的赔偿、支付责任做出的保证，授信既可针对贷款、票据抵押、透支、各项垫款等表内服务，还可针对票据承兑、开信用证、保函等表外服务。授信额度，是指银行、支付平台等机构为用户核定的短期授信业务的存量管理指标。
进一步，在检测到授信处理通道的触发控件被触发之后，向目标用户展示目标应用下授信处理通道的授信申请页面；其中，所述授信申请页面配置有信息录入接口和授信申请控件；所述地块信息基于所述信息录入接口进行录入。
步骤S704，向所述目标用户展示地理信息页面。
具体实施时，在向目标用户展示地理信息页面的过程中，为了便于目标用户基于展示的地理信息页面进行作物地块标注，可根据目标用户录入的地块信息中包含的地块面积，根据地块面积与地理信息页面的精度的对应关系，将地理信息页面显示的精度调整至与地块面积相适配的精度，以提升目标用户后续在地理信息页面进行作物地块标注的效率。
其中，所述地理信息页面可是地图页面，或者遥感影像的影像页面。除此之外，所述地理信息页面还可是用于进行地块标注的与地理信息相关的页面，比如某区域的实景图像页面等。
步骤S706，若检测到在所述地理信息页面输入的标注动作，确定所述标注动作对应的地块边界信息。
具体在确定所述标注动作对应的地块边界信息的过程中，首先根据目标用户在所述地理信息页面输入的标注动作，确定所述标注动作在所述地理信息页面中对应的页面边界信息，即：确定作物地块在地理信息页面维度的地块边界；然后根据地理信息页面维度的位置与实际地理区域纬度的地理位置的映射关系，确定所述页面边界信息对应的地理位置边界信息，作为所述标注动作对应的地块边界信息。
步骤S708，基于所述地块边界信息计算所述作物地块的标注面积。
本实施例中，通过经纬度数据来计算目标用户的作物地块的标注面积，可选的，在具体计算过程中，首先确定所述地块边界信息映射的经纬度坐标数据，然后基于所述经纬度坐标数据，采用面积计算公式计算所述作物地块的标注面积；
其中，所述面积计算公式包括：计算经纬度坐标数据中与纬度坐标数值相邻的两个纬度坐标数值的差值与对应经度坐标数值的乘积，并对经纬度坐标数据中所有纬度坐标数值对应的乘积进行求和，将求和结果的二分之一与坐标转换常数的乘积作为所述标注面积。
例如，种植户A在地图页面进行标注之后，地图页面显示的作物地块的边界如图5所示，根据确定的种植户A的地块边界信息，确定种植户A的作物地块的经纬度坐标数据为：(x 1，y 1)、(x 2，y 2)、···(x n，y n)；然后根据如下公式计算种植户A的作物地块的地块面积S：
地块面积
Figure PCTCN2021102040-appb-000003
此处，公式中的9101160000.085981为坐标转换常数。
步骤S710，根据所述地块信息、所述标注面积以及所述目标用户的用户数据，对所述目标用户的用户资源进行资源操作处理。
本实施例提供的一种可选实施方式中，在对所述目标用户的用户资源进行资源操作处理的过程中，为了提升目标用户的用户体验，从目标用户的授信状态出发，对不同授信状态的目标用户进行针对性处理，具体实现如下：
1)将所述标注面积、所述地块信息以及所述用户数据作为模型输入，输入额度分配模型进行授信额度分配，输出针对所述作物地块向所述目标用户分配的专用授信额度；
2)读取所述目标用户的授信状态；
3)若所述目标用户的授信状态为未授信，基于所述专用授信额度对所述目标用户进行授信处理；
4)若所述目标用户的授信状态为已授信，基于所述专用授信额度对所述目标用户的初始授信额度进行调整；
5)若所述目标用户的授信状态为授信已用，基于所述目标用户参与签订的作物经营合约中记录的合约信息，生成履约提醒并向所述目标用户发送。
本实施例提供的另一种可选实施方式中，为了从信用维度提升用户信用等级的可信度，基于所述地块信息中包含的地块面积和所述标注面积，计算所述地块信息的置信度；在所述置信度大于预设置信度阈值的情况下，基于所述置信度和所述用户数据中包含的信用数据，更新所述目标用户的信用等级。
下述以本实施例提供的一种用户资源处理方法在保障项目场景的应用为例，对本实施例提供的用户资源处理方法进行进一步说明，参见图8，应用于保障项目场景的用户资源处理方法，具体包括步骤S802至步骤S818。
步骤S802，获取种植户在保障项目的项目页面触发授信处理通道之后录入的作物地块的地块信息。
保障项目，包括对种植户的作物地块中生长的作物提供保障服务的项目，以及对种植户的种植生产活动或者种植生产活动的预期收益提供保障服务的项目。比如，对种植户的作物地块中生长的作物提供保障的农业保险项目。
步骤S804，在获取到种植户针对授信申请控件提交的申请指令的情况下，向种植户展示地图页面。
步骤S806，若检测到在种植户在地图页面输入的标注动作，确定标注动作对应的地块边界信息。
步骤S808，基于地块边界信息计算作物地块的标注面积。
步骤S810，将标注面积与地块信息中包含的地块面积进行比对。
步骤S812，若比对结果为标注面积小于或者等于地块面积，将地块边界信息以及对应的时间信息输入作物识别模型进行作物种类识别，获得作物地块的作物种类。
步骤S814，基于作物种类、标注面积和作物种类对应的作物属性，计算作物地块的作物价值。
步骤S816，根据作物价值和用户数据确定种植户的保障额度。
步骤S818，基于保障额度向种植户推荐保障项目，或者，基于作物种类和/或作物价值向种植户推荐保障项目。
下述以本实施例提供的一种用户资源处理方法在用户资源管理场景的应用为例，对本实施例提供的用户资源处理方法进行进一步说明，参见图9，应用于用户资源管理场景的用户资源处理方法，具体包括步骤S902至步骤S918。
步骤S902，获取种植户录入的作物地块的地块坐标信息。
步骤S904，向种植户展示地理信息页面。
步骤S906，若检测到种植户在地理信息页面输入的标注动作，确定标注动作对应的地块边界信息。
步骤S908，基于地块边界信息计算作物地块的标注面积。
步骤S910，确定地块坐标信息在预先获取的遥感影像中映射的遥感影像作物地块。
步骤S912，根据预先识别并存储的遥感影像作物地块包含的影像单元的作物种类，确定作物地块的作物种类。
步骤S914，基于作物地块的标注面积和作物种类计算作物地块的作物价值。
步骤S916，根据作物价值和作物种类对应的资源转化率，计算地块信息对应的资源转化数值。
步骤S918，基于资源转化数值和种植户的资源偏好和/或资源状态，生成作物地块的资源管理策略。
需要说明的是，与上述步骤S908至步骤S918的具体实现相类似，上述步骤S908 至步骤S918提供的用户资源管理场景中的资源管理策略生成过程，还可被替换为用户资源管理场景中的用户资源风险预警过程，具体的，用户资源管理场景中的用户资源风险预警过程具体实现如下：
1)确定地块信息中包含的地块坐标信息对应的时间信息；
2)基于时间信息，确定地块坐标信息在预先获取的遥感影像中映射的遥感影像作物地块；
3)根据预先识别并存储的遥感影像作物地块包含的影像单元的作物种类，确定作物地块的作物种类；
4)基于作物种类、标注面积、地块信息中包含的地域信息以及作物种类对应的作物价值波动，确定作物地块的风险等级；
5)基于风险等级生成风险预警提示并向种植户展示。
本说明书提供的一种授信额度处理装置实施例如下：在上述的实施例中，提供了一种授信额度处理方法，与之相对应的，还提供了一种授信额度处理装置，下面结合附图进行说明。
参照图10，其示出了本实施例提供的一种授信额度处理装置的示意图。
由于装置实施例对应于方法实施例，所以描述得比较简单，相关的部分请参见上述提供的方法实施例的对应说明即可。下述描述的装置实施例仅仅是示意性的。
本实施例提供一种授信额度处理装置，包括：信息获取模块1002，被配置为获取目标用户录入的身份信息，以及作物地块的地块信息；地图页面展示模块1004，被配置为向所述目标用户展示地图页面；地块边界信息确定模块1006，被配置为在检测到在所述地图页面输入的标注动作的情况下，确定所述标注动作对应的地块边界信息；标注面积计算模块1008，被配置为基于所述地块边界信息计算所述作物地块的标注面积；授信额度确定模块1010，被配置为根据所述标注面积、所述地块信息以及基于所述身份信息获取的用户数据，确定所述目标用户的授信额度。
可选的，所述身份信息和所述地块信息在所述目标用户触发授信处理通道之后录入，所述授信处理通道向预设用户清单中记录的目标用户开放，且所述授信处理通道与目标应用绑定；在检测到所述目标用户针对所述目标应用的应用处理请求的情况下，基于所述目标应用的应用页面展示所述授信处理通道的触发控件，所述目标用户通过触发所述触发控件来触发所述授信处理通道。
可选的，在检测到所述触发控件被触发之后，向所述目标用户展示所述目标应用下所述授信处理通道的授信申请页面；其中，所述授信申请页面配置有信息录入接口和授信申请控件；所述身份信息和所述地块信息基于所述信息录入接口进行录入；相应的，所述地图页面展示模块1004，具体被配置为在获取到所述目标用户针对所述授信申请控件提交的申请指令的情况下，向所述目标用户展示所述地图页面。
可选的，所述授信申请页面配置有地块管理控件，若检测到所述地块管理控件被触发，则查询所述目标用户的作物地块并基于地块管理页面进行展示；在所述地块管理页面配置的返回控件被触发的情况下，返回所述授信申请页面。
可选的，所述授信额度处理装置，还包括：存储模块，被配置为存储所述目标用户录入的所述身份信息、所述地块信息和/或所述地块边界信息；时间判断模块，被配置为在检测到所述目标用户针对所述授信申请控件提交的二次申请指令的情况下，判断所述二次申请指令的提交时间与所述申请指令的提交时间之间的时间跨度是否大于预设 时间阈值；若是，运行展示模块；所述展示模块，被配置为读取存储的所述身份信息、所述地块信息和/或所述地块边界信息，并将所述身份信息、所述地块信息更新至所述授信申请页面并展示，和/或，将所述地块边界信息对应的坐标标识更新至所述地图页面并展示。
可选的，所述授信额度处理装置，还包括：定位数据获取模块，被配置为获取所述目标用户的终端设备的定位数据；坐标标识更新模块，被配置为确定所述定位数据在所述地图页面所属地图坐标中映射的坐标信息，并在所述地图页面中更新所述坐标信息对应的坐标标识；地块面积计算模块，被配置为基于所述定位数据计算所述作物地块的地块面积；第二授信额度确定模块，被配置为根据所述地块面积、所述地块信息和所述用户数据，确定所述目标用户的第二授信额度。
可选的，所述授信额度处理装置，还包括：地块面积判断模块，被配置为判断所述地块信息中包含的地块面积是否大于预设面积阈值；若是，运行所述地图页面展示模块1004；若否，运行第二定位数据获取模块、第二地块边界信息确定模块、第二标注面积计算模块和第三授信额度确定模块；所述第二定位数据获取模块，被配置为获取所述目标用户的终端设备的定位数据；所述第二地块边界信息确定模块，被配置为基于所述定位数据确定所述作物地块的第二地块边界信息；所述第二标注面积计算模块，被配置为基于所述第二地块边界信息计算所述作物地块的第二标注面积；所述第三授信额度确定模块，被配置为根据所述第二标注面积和所述用户数据，确定所述目标用户的第三授信额度。
可选的，所述标注面积计算模块1008，包括：经纬度坐标数据确定子模块，被配置为确定所述地块边界信息映射的经纬度坐标数据；标注面积计算子模块，被配置为基于所述经纬度坐标数据，采用面积计算公式计算所述作物地块的标注面积；其中，所述面积计算公式包括：计算经纬度坐标数据中与纬度坐标数值相邻的两个纬度坐标数值的差值与对应经度坐标数值的乘积，并对经纬度坐标数据中所有纬度坐标数值对应的乘积进行求和，将求和结果的二分之一与坐标转换常数的乘积作为所述标注面积。
可选的，所述授信额度确定模块1010，包括：地块面积比对子模块，被配置为将所述标注面积与所述地块信息中包含的地块面积进行比对；第一专用授信额度确定子模块，被配置为若比对结果为所述标注面积小于或者等于所述地块面积，根据所述标注面积和所述用户数据确定专用授信额度，作为所述目标用户的授信额度；第二专用授信额度确定子模块，被配置为若比对结果为所述标注面积大于所述地块面积，根据所述地块面积和所述用户数据确定专用授信额度，作为所述目标用户的授信额度。
可选的，所述第一专用授信额度确定子模块，具体被配置为将所述标注面积和所述用户数据作为模型输入，输入额度分配模型进行授信额度分配，输出针对所述作物地块向所述目标用户分配的授信额度，作为所述专用授信额度。
可选的，所述授信额度处理装置，还包括：作物种类确定模块，被配置为将所述地块边界信息以及对应的时间信息输入作物识别模型进行作物种类识别，获得所述作物地块的作物种类；作物价值计算模块，被配置为基于所述作物种类、所述标注面积和所述作物种类对应的作物属性，计算所述作物地块的作物价值；第四授信额度确定模块，被配置为根据所述作物价值和所述用户数据确定所述目标用户的第四授信额度。
可选的，所述授信额度处理装置，还包括：授信状态读取模块，被配置为读取所述目标用户的授信状态；第一授信处理模块，被配置为若所述目标用户的授信状态为未授信，基于所述授信额度对所述目标用户进行授信处理；第二授信处理模块，被配置为若所述目标用户的授信状态为已授信，基于所述授信额度对所述目标用户的初始授信额度进行调整；第三授信处理模块，被配置为若所述目标用户的授信状态为授信已用，基 于所述目标用户参与签订的作物经营合约中记录的合约信息，生成履约提醒并向所述目标用户发送。
说明书提供的一种用户资源处理装置实施例如下：在上述的实施例中，提供了一种用户资源处理方法，与之相对应的，还提供了一种用户资源处理装置，下面结合附图进行说明。
参照图11，其示出了本实施例提供的一种用户资源处理装置的示意图。
由于装置实施例对应于方法实施例，所以描述得比较简单，相关的部分请参见上述提供的方法实施例的对应说明即可。下述描述的装置实施例仅仅是示意性的。
本实施例提供一种用户资源处理装置，包括：地块信息获取模块1102，被配置为获取目标用户录入的作物地块的地块信息；地理信息页面展示模块1104，被配置为向所述目标用户展示地理信息页面；地块边界信息确定模块1106，被配置为在检测到在所述地理信息页面输入的标注动作的情况下，确定所述标注动作对应的地块边界信息；标注面积计算模块1108，被配置为基于所述地块边界信息计算所述作物地块的标注面积；资源操作处理模块1110，被配置为根据所述地块信息、所述标注面积以及所述目标用户的用户数据，对所述目标用户的用户资源进行资源操作处理。
可选的，所述资源操作处理模块1110，包括：专用授信额度确定子模块，被配置为将所述标注面积、所述地块信息以及所述用户数据作为模型输入，输入额度分配模型进行授信额度分配，输出针对所述作物地块向所述目标用户分配的专用授信额度；授信状态读取子模块，被配置为读取所述目标用户的授信状态；第一授信处理子模块，被配置为若所述目标用户的授信状态为未授信，基于所述专用授信额度对所述目标用户进行授信处理；第二授信处理子模块，被配置为若所述目标用户的授信状态为已授信，基于所述专用授信额度对所述目标用户的初始授信额度进行调整；第三授信处理子模块，被配置为若所述目标用户的授信状态为授信已用，基于所述目标用户参与签订的作物经营合约中记录的合约信息，生成履约提醒并向所述目标用户发送。
可选的，所述资源操作处理模块1110，包括：置信度计算子模块，被配置为基于所述地块信息中包含的地块面积和所述标注面积，计算所述地块信息的置信度；信用等级更新子模块，被配置为在所述置信度大于预设置信度阈值的情况下，基于所述置信度和所述用户数据中包含的信用数据，更新所述目标用户的信用等级。
可选的，所述资源操作处理模块1110，包括：遥感影像作物地块确定子模块，被配置为确定所述地块坐标信息在预先获取的遥感影像中映射的遥感影像作物地块；作物种类确定子模块，被配置为根据预先识别并存储的所述遥感影像作物地块包含的影像单元的作物种类，确定所述作物地块的作物种类；作物价值计算子模块，被配置为基于所述标注面积和所述作物种类计算所述作物地块的作物价值；资源转化数值计算子模块，被配置为根据所述作物价值和所述作物种类对应的资源转化率，计算所述地块信息对应的资源转化数值；资源管理策略生成子模块，被配置为基于所述资源转化数值和所述目标用户的资源偏好和/或资源状态，生成所述作物地块的资源管理策略。
可选的，所述资源操作处理模块1110，包括：时间信息确定子模块，被配置为确定所述地块信息中包含的地块坐标信息对应的时间信息；第二遥感影像作物地块确定子模块，被配置为基于所述时间信息，确定所述地块坐标信息在预先获取的遥感影像中映射的遥感影像作物地块；第二作物种类确定子模块，被配置为根据预先识别并存储的所述遥感影像作物地块包含的影像单元的作物种类，确定所述作物地块的作物种类；风险等级确定子模块，被配置为基于所述作物种类、所述标注面积、所述地块信息中包含的地域信息以及作物种类对应的作物价值波动，确定所述作物地块的风险等级；风险预警 提示展示子模块，被配置为基于所述风险等级生成风险预警提示并向所述目标用户展示。
可选的，所述资源操作处理模块1110，包括：作物种类识别子模块，被配置为将所述地块边界信息以及对应的时间信息输入作物识别模型进行作物种类识别，获得所述作物地块的作物种类；第二作物价值计算子模块，被配置为基于所述作物种类、所述标注面积和所述作物种类对应的作物属性，计算所述作物地块的作物价值；保障额度确定子模块，被配置为根据所述作物价值和所述用户数据确定所述目标用户的保障额度。
可选的，所述标注面积计算模块1108，包括：经纬度坐标数据确定子模块，被配置为确定所述地块边界信息映射的经纬度坐标数据；标注面积计算子模块，被配置为基于所述经纬度坐标数据，采用面积计算公式计算所述作物地块的标注面积；其中，所述面积计算公式包括：计算经纬度坐标数据中与纬度坐标数值相邻的两个纬度坐标数值的差值与对应经度坐标数值的乘积，并对经纬度坐标数据中所有纬度坐标数值对应的乘积进行求和，将求和结果的二分之一与坐标转换常数的乘积作为所述标注面积。
本说明书提供的一种授信额度处理设备实施例如下：对应上述描述的一种授信额度处理方法，基于相同的技术构思，本说明书一个或多个实施例还提供一种授信额度处理设备，该授信额度处理设备用于执行上述提供的授信额度处理方法，图12为本说明书一个或多个实施例提供的一种授信额度处理设备的结构示意图。
本实施例提供的一种授信额度处理设备，包括：如图12所示，授信额度处理设备可因配置或性能不同而产生比较大的差异，可包括一个或一个以上的处理器1201和存储器1202，存储器1202中可存储有一个或一个以上存储应用程序或数据。其中，存储器1202可是短暂存储或持久存储。存储在存储器1202的应用程序可包括一个或一个以上模块(图示未示出)，每个模块可包括授信额度处理设备中的一系列计算机可执行指令。更进一步地，处理器1201可设置为与存储器1202通信，在授信额度处理设备上执行存储器1202中的一系列计算机可执行指令。授信额度处理设备还可包括一个或一个以上电源1203，一个或一个以上有线或无线网络接口1204，一个或一个以上输入输出接口1205，一个或一个以上键盘1206等。
在一个具体的实施例中，授信额度处理设备包括有存储器，以及一个或一个以上的程序，其中一个或者一个以上程序存储于存储器中，且一个或者一个以上程序可包括一个或一个以上模块，且每个模块可包括对授信额度处理设备中的一系列计算机可执行指令，且经配置以由一个或者一个以上处理器执行该一个或者一个以上程序包含用于进行以下计算机可执行指令：获取目标用户录入的身份信息，以及作物地块的地块信息；向所述目标用户展示地图页面；若检测到在所述地图页面输入的标注动作，确定所述标注动作对应的地块边界信息；基于所述地块边界信息计算所述作物地块的标注面积；根据所述标注面积、所述地块信息以及基于所述身份信息获取的用户数据，确定所述目标用户的授信额度。
可选的，所述身份信息和所述地块信息在所述目标用户触发授信处理通道之后录入，所述授信处理通道向预设用户清单中记录的目标用户开放，且所述授信处理通道与目标应用绑定；在检测到所述目标用户针对所述目标应用的应用处理请求的情况下，基于所述目标应用的应用页面展示所述授信处理通道的触发控件，所述目标用户通过触发所述触发控件来触发所述授信处理通道。
可选的，在检测到所述触发控件被触发之后，向所述目标用户展示所述目标应用下所述授信处理通道的授信申请页面；其中，所述授信申请页面配置有信息录入接口和授信申请控件；所述身份信息和所述地块信息基于所述信息录入接口进行录入；相应的，所述向所述目标用户展示地图页面，包括：在获取到所述目标用户针对所述授信申请控件提交的申请指令的情况下，向所述目标用户展示所述地图页面。
可选的，所述授信申请页面配置有地块管理控件，若检测到所述地块管理控件被触发，则查询所述目标用户的作物地块并基于地块管理页面进行展示；在所述地块管理页面配置的返回控件被触发的情况下，返回所述授信申请页面。
可选的，计算机可执行指令在被执行时，还包括：存储所述目标用户录入的所述身份信息、所述地块信息和/或所述地块边界信息；在检测到所述目标用户针对所述授信申请控件提交的二次申请指令的情况下，判断所述二次申请指令的提交时间与所述申请指令的提交时间之间的时间跨度是否大于预设时间阈值；若是，读取存储的所述身份信息、所述地块信息和/或所述地块边界信息，并将所述身份信息、所述地块信息更新至所述授信申请页面并展示，和/或，将所述地块边界信息对应的坐标标识更新至所述地图页面并展示。
可选的，计算机可执行指令在被执行时，所述向所述目标用户展示地图页面指令执行之后，还包括：获取所述目标用户的终端设备的定位数据；确定所述定位数据在所述地图页面所属地图坐标中映射的坐标信息，并在所述地图页面中更新所述坐标信息对应的坐标标识；基于所述定位数据计算所述作物地块的地块面积；根据所述地块面积、所述地块信息和所述用户数据，确定所述目标用户的第二授信额度。
可选的，计算机可执行指令在被执行时，所述获取目标用户在触发授信处理通道之后录入的身份信息，以及作物地块的地块信息指令执行之后，还包括：判断所述地块信息中包含的地块面积是否大于预设面积阈值；若是，执行所述向所述目标用户展示地图页面步骤；若否，获取所述目标用户的终端设备的定位数据；基于所述定位数据确定所述作物地块的第二地块边界信息；基于所述第二地块边界信息计算所述作物地块的第二标注面积；根据所述第二标注面积和所述用户数据，确定所述目标用户的第三授信额度。
可选的，所述基于所述地块边界信息计算所述作物地块的标注面积，包括：确定所述地块边界信息映射的经纬度坐标数据；基于所述经纬度坐标数据，采用面积计算公式计算所述作物地块的标注面积；其中，所述面积计算公式包括：计算经纬度坐标数据中与纬度坐标数值相邻的两个纬度坐标数值的差值与对应经度坐标数值的乘积，并对经纬度坐标数据中所有纬度坐标数值对应的乘积进行求和，将求和结果的二分之一与坐标转换常数的乘积作为所述标注面积。
可选的，所述根据所述标注面积、所述地块信息以及基于所述身份信息获取的用户数据，确定所述目标用户的授信额度，包括：将所述标注面积与所述地块信息中包含的地块面积进行比对；若比对结果为所述标注面积小于或者等于所述地块面积，根据所述标注面积和所述用户数据确定专用授信额度，作为所述目标用户的授信额度；若比对结果为所述标注面积大于所述地块面积，根据所述地块面积和所述用户数据确定专用授信额度，作为所述目标用户的授信额度。
可选的，所述根据所述标注面积和所述用户数据确定专用授信额度，作为所述目标用户的授信额度，包括：将所述标注面积和所述用户数据作为模型输入，输入额度分配模型进行授信额度分配，输出针对所述作物地块向所述目标用户分配的授信额度，作为所述专用授信额度。
可选的，计算机可执行指令在被执行时，还包括：将所述地块边界信息以及对应的时间信息输入作物识别模型进行作物种类识别，获得所述作物地块的作物种类；基于所述作物种类、所述标注面积和所述作物种类对应的作物属性，计算所述作物地块的作物价值；根据所述作物价值和所述用户数据确定所述目标用户的第四授信额度。
可选的，计算机可执行指令在被执行时，所述根据所述标注面积、所述地块信息 以及基于所述身份信息获取的用户数据，确定所述目标用户的授信额度指令执行之后，还包括：读取所述目标用户的授信状态；若所述目标用户的授信状态为未授信，基于所述授信额度对所述目标用户进行授信处理；若所述目标用户的授信状态为已授信，基于所述授信额度对所述目标用户的初始授信额度进行调整；若所述目标用户的授信状态为授信已用，基于所述目标用户参与签订的作物经营合约中记录的合约信息，生成履约提醒并向所述目标用户发送。
本说明书提供的一种用户资源处理设备实施例如下：对应上述描述的一种用户资源处理方法，基于相同的技术构思，本说明书一个或多个实施例还提供一种用户资源处理设备，该用户资源处理设备用于执行上述提供的用户资源处理方法，图13为本说明书一个或多个实施例提供的一种用户资源处理设备的结构示意图。
本实施例提供的一种用户资源处理设备，包括：如图13所示，用户资源处理设备可因配置或性能不同而产生比较大的差异，可包括一个或一个以上的处理器1201和存储器1202，存储器1202中可存储有一个或一个以上存储应用程序或数据。其中，存储器1202可是短暂存储或持久存储。存储在存储器1202的应用程序可包括一个或一个以上模块(图示未示出)，每个模块可包括用户资源处理设备中的一系列计算机可执行指令。更进一步地，处理器1201可设置为与存储器1202通信，在用户资源处理设备上执行存储器1202中的一系列计算机可执行指令。用户资源处理设备还可包括一个或一个以上电源1203，一个或一个以上有线或无线网络接口1204，一个或一个以上输入输出接口1205，一个或一个以上键盘1206等。
在一个具体的实施例中，用户资源处理设备包括有存储器，以及一个或一个以上的程序，其中一个或者一个以上程序存储于存储器中，且一个或者一个以上程序可包括一个或一个以上模块，且每个模块可包括对用户资源处理设备中的一系列计算机可执行指令，且经配置以由一个或者一个以上处理器执行该一个或者一个以上程序包含用于进行以下计算机可执行指令：获取目标用户录入的作物地块的地块信息；向所述目标用户展示地理信息页面；若检测到在所述地理信息页面输入的标注动作，确定所述标注动作对应的地块边界信息；基于所述地块边界信息计算所述作物地块的标注面积；根据所述地块信息、所述标注面积以及所述目标用户的用户数据，对所述目标用户的用户资源进行资源操作处理。
可选的，所述根据所述地块信息、所述标注面积以及所述目标用户的用户数据，对所述目标用户的用户资源进行资源操作处理，包括：将所述标注面积、所述地块信息以及所述用户数据作为模型输入，输入额度分配模型进行授信额度分配，输出针对所述作物地块向所述目标用户分配的专用授信额度；读取所述目标用户的授信状态；若所述目标用户的授信状态为未授信，基于所述专用授信额度对所述目标用户进行授信处理；若所述目标用户的授信状态为已授信，基于所述专用授信额度对所述目标用户的初始授信额度进行调整；若所述目标用户的授信状态为授信已用，基于所述目标用户参与签订的作物经营合约中记录的合约信息，生成履约提醒并向所述目标用户发送。
可选的，所述根据所述地块信息、所述标注面积以及所述目标用户的用户数据，对所述目标用户的用户资源进行资源操作处理，包括：基于所述地块信息中包含的地块面积和所述标注面积，计算所述地块信息的置信度；在所述置信度大于预设置信度阈值的情况下，基于所述置信度和所述用户数据中包含的信用数据，更新所述目标用户的信用等级。
可选的，所述根据所述地块信息、所述标注面积以及所述目标用户的用户数据，对所述目标用户的用户资源进行资源操作处理，包括：确定所述地块坐标信息在预先获取的遥感影像中映射的遥感影像作物地块；根据预先识别并存储的所述遥感影像作物地 块包含的影像单元的作物种类，确定所述作物地块的作物种类；基于所述标注面积和所述作物种类计算所述作物地块的作物价值；根据所述作物价值和所述作物种类对应的资源转化率，计算所述地块信息对应的资源转化数值；基于所述资源转化数值和所述目标用户的资源偏好和/或资源状态，生成所述作物地块的资源管理策略。
可选的，所述根据所述地块信息、所述标注面积以及所述目标用户的用户数据，对所述目标用户的用户资源进行资源操作处理，包括：确定所述地块信息中包含的地块坐标信息对应的时间信息；基于所述时间信息，确定所述地块坐标信息在预先获取的遥感影像中映射的遥感影像作物地块；根据预先识别并存储的所述遥感影像作物地块包含的影像单元的作物种类，确定所述作物地块的作物种类；基于所述作物种类、所述标注面积、所述地块信息中包含的地域信息以及作物种类对应的作物价值波动，确定所述作物地块的风险等级；基于所述风险等级生成风险预警提示并向所述目标用户展示。
可选的，所述根据所述地块信息、所述标注面积以及所述目标用户的用户数据，对所述目标用户的用户资源进行资源操作处理，包括：将所述地块边界信息以及对应的时间信息输入作物识别模型进行作物种类识别，获得所述作物地块的作物种类；基于所述作物种类、所述标注面积和所述作物种类对应的作物属性，计算所述作物地块的作物价值；根据所述作物价值和所述用户数据确定所述目标用户的保障额度。
可选的，所述基于所述地块边界信息计算所述作物地块的标注面积，包括：确定所述地块边界信息映射的经纬度坐标数据；基于所述经纬度坐标数据，采用面积计算公式计算所述作物地块的标注面积；其中，所述面积计算公式包括：计算经纬度坐标数据中与纬度坐标数值相邻的两个纬度坐标数值的差值与对应经度坐标数值的乘积，并对经纬度坐标数据中所有纬度坐标数值对应的乘积进行求和，将求和结果的二分之一与坐标转换常数的乘积作为所述标注面积。
本说明书提供的一种存储介质实施例如下：对应上述描述的一种授信额度处理方法，基于相同的技术构思，本说明书一个或多个实施例还提供一种存储介质。
本实施例提供的存储介质，用于存储计算机可执行指令，所述计算机可执行指令在被执行时实现以下流程：获取目标用户录入的身份信息，以及作物地块的地块信息；向所述目标用户展示地图页面；若检测到在所述地图页面输入的标注动作，确定所述标注动作对应的地块边界信息；基于所述地块边界信息计算所述作物地块的标注面积；根据所述标注面积、所述地块信息以及基于所述身份信息获取的用户数据，确定所述目标用户的授信额度。
可选的，所述身份信息和所述地块信息在所述目标用户触发授信处理通道之后录入，所述授信处理通道向预设用户清单中记录的目标用户开放，且所述授信处理通道与目标应用绑定；在检测到所述目标用户针对所述目标应用的应用处理请求的情况下，基于所述目标应用的应用页面展示所述授信处理通道的触发控件，所述目标用户通过触发所述触发控件来触发所述授信处理通道。
可选的，在检测到所述触发控件被触发之后，向所述目标用户展示所述目标应用下所述授信处理通道的授信申请页面；其中，所述授信申请页面配置有信息录入接口和授信申请控件；所述身份信息和所述地块信息基于所述信息录入接口进行录入；相应的，所述向所述目标用户展示地图页面，包括：在获取到所述目标用户针对所述授信申请控件提交的申请指令的情况下，向所述目标用户展示所述地图页面。
可选的，所述授信申请页面配置有地块管理控件，若检测到所述地块管理控件被触发，则查询所述目标用户的作物地块并基于地块管理页面进行展示；在所述地块管理页面配置的返回控件被触发的情况下，返回所述授信申请页面。
可选的，所述计算机可执行指令在被执行时还实现以下流程：存储所述目标用户录入的所述身份信息、所述地块信息和/或所述地块边界信息；在检测到所述目标用户针对所述授信申请控件提交的二次申请指令的情况下，判断所述二次申请指令的提交时间与所述申请指令的提交时间之间的时间跨度是否大于预设时间阈值；若是，读取存储的所述身份信息、所述地块信息和/或所述地块边界信息，并将所述身份信息、所述地块信息更新至所述授信申请页面并展示，和/或，将所述地块边界信息对应的坐标标识更新至所述地图页面并展示。
可选的，所述向所述目标用户展示地图页面流程执行之后，所述计算机可执行指令在被执行时还实现以下流程：获取所述目标用户的终端设备的定位数据；确定所述定位数据在所述地图页面所属地图坐标中映射的坐标信息，并在所述地图页面中更新所述坐标信息对应的坐标标识；基于所述定位数据计算所述作物地块的地块面积；根据所述地块面积、所述地块信息和所述用户数据，确定所述目标用户的第二授信额度。
可选的，所述获取目标用户在触发授信处理通道之后录入的身份信息，以及作物地块的地块信息流程执行之后，所述计算机可执行指令在被执行时还实现以下流程：判断所述地块信息中包含的地块面积是否大于预设面积阈值；若是，执行所述向所述目标用户展示地图页面步骤；若否，获取所述目标用户的终端设备的定位数据；基于所述定位数据确定所述作物地块的第二地块边界信息；基于所述第二地块边界信息计算所述作物地块的第二标注面积；根据所述第二标注面积和所述用户数据，确定所述目标用户的第三授信额度。
可选的，所述基于所述地块边界信息计算所述作物地块的标注面积，包括：确定所述地块边界信息映射的经纬度坐标数据；基于所述经纬度坐标数据，采用面积计算公式计算所述作物地块的标注面积；其中，所述面积计算公式包括：计算经纬度坐标数据中与纬度坐标数值相邻的两个纬度坐标数值的差值与对应经度坐标数值的乘积，并对经纬度坐标数据中所有纬度坐标数值对应的乘积进行求和，将求和结果的二分之一与坐标转换常数的乘积作为所述标注面积。
可选的，所述根据所述标注面积、所述地块信息以及基于所述身份信息获取的用户数据，确定所述目标用户的授信额度，包括：将所述标注面积与所述地块信息中包含的地块面积进行比对；若比对结果为所述标注面积小于或者等于所述地块面积，根据所述标注面积和所述用户数据确定专用授信额度，作为所述目标用户的授信额度；若比对结果为所述标注面积大于所述地块面积，根据所述地块面积和所述用户数据确定专用授信额度，作为所述目标用户的授信额度。
可选的，所述根据所述标注面积和所述用户数据确定专用授信额度，作为所述目标用户的授信额度，包括：将所述标注面积和所述用户数据作为模型输入，输入额度分配模型进行授信额度分配，输出针对所述作物地块向所述目标用户分配的授信额度，作为所述专用授信额度。
可选的，所述计算机可执行指令在被执行时还实现以下流程：将所述地块边界信息及对应的时间信息输入作物识别模型进行作物种类识别，获得所述作物地块的作物种类；基于所述作物种类、所述标注面积和所述作物种类对应的作物属性，计算所述作物地块的作物价值；根据所述作物价值和所述用户数据确定所述目标用户的第四授信额度。
可选的，所述根据所述标注面积、所述地块信息以及基于所述身份信息获取的用户数据，确定所述目标用户的授信额度流程执行之后，所述计算机可执行指令在被执行时还实现以下流程：读取所述目标用户的授信状态；若所述目标用户的授信状态为未授信，基于所述授信额度对所述目标用户进行授信处理；若所述目标用户的授信状态为已授信，基于所述授信额度对所述目标用户的初始授信额度进行调整；若所述目标用户的 授信状态为授信已用，基于所述目标用户参与签订的作物经营合约中记录的合约信息，生成履约提醒并向所述目标用户发送。
需要说明的是，本说明书中关于存储介质的实施例与本说明书中关于授信额度处理方法的实施例基于同一发明构思，因此该实施例的具体实施可参见前述对应方法的实施，重复之处不再赘述。
本说明书提供的一种存储介质实施例如下：对应上述描述的一种用户资源处理方法，基于相同的技术构思，本说明书一个或多个实施例还提供一种存储介质。
本实施例提供的存储介质，用于存储计算机可执行指令，所述计算机可执行指令在被执行时实现以下流程：获取目标用户录入的作物地块的地块信息；向所述目标用户展示地理信息页面；若检测到在所述地理信息页面输入的标注动作，确定所述标注动作对应的地块边界信息；基于所述地块边界信息计算所述作物地块的标注面积；根据所述地块信息、所述标注面积以及所述目标用户的用户数据，对所述目标用户的用户资源进行资源操作处理。
可选的，所述根据所述地块信息、所述标注面积以及所述目标用户的用户数据，对所述目标用户的用户资源进行资源操作处理，包括：将所述标注面积、所述地块信息以及所述用户数据作为模型输入，输入额度分配模型进行授信额度分配，输出针对所述作物地块向所述目标用户分配的专用授信额度；读取所述目标用户的授信状态；若所述目标用户的授信状态为未授信，基于所述专用授信额度对所述目标用户进行授信处理；若所述目标用户的授信状态为已授信，基于所述专用授信额度对所述目标用户的初始授信额度进行调整；若所述目标用户的授信状态为授信已用，基于所述目标用户参与签订的作物经营合约中记录的合约信息，生成履约提醒并向所述目标用户发送。
可选的，所述根据所述地块信息、所述标注面积以及所述目标用户的用户数据，对所述目标用户的用户资源进行资源操作处理，包括：基于所述地块信息中包含的地块面积和所述标注面积，计算所述地块信息的置信度；在所述置信度大于预设置信度阈值的情况下，基于所述置信度和所述用户数据中包含的信用数据，更新所述目标用户的信用等级。
可选的，所述根据所述地块信息、所述标注面积以及所述目标用户的用户数据，对所述目标用户的用户资源进行资源操作处理，包括：确定所述地块坐标信息在预先获取的遥感影像中映射的遥感影像作物地块；根据预先识别并存储的所述遥感影像作物地块包含的影像单元的作物种类，确定所述作物地块的作物种类；基于所述标注面积和所述作物种类计算所述作物地块的作物价值；根据所述作物价值和所述作物种类对应的资源转化率，计算所述地块信息对应的资源转化数值；基于所述资源转化数值和所述目标用户的资源偏好和/或资源状态，生成所述作物地块的资源管理策略。
可选的，所述根据所述地块信息、所述标注面积以及所述目标用户的用户数据，对所述目标用户的用户资源进行资源操作处理，包括：确定所述地块信息中包含的地块坐标信息对应的时间信息；基于所述时间信息，确定所述地块坐标信息在预先获取的遥感影像中映射的遥感影像作物地块；根据预先识别并存储的所述遥感影像作物地块包含的影像单元的作物种类，确定所述作物地块的作物种类；基于所述作物种类、所述标注面积、所述地块信息中包含的地域信息以及作物种类对应的作物价值波动，确定所述作物地块的风险等级；基于所述风险等级生成风险预警提示并向所述目标用户展示。
可选的，所述根据所述地块信息、所述标注面积以及所述目标用户的用户数据，对所述目标用户的用户资源进行资源操作处理，包括：将所述地块边界信息以及对应的时间信息输入作物识别模型进行作物种类识别，获得所述作物地块的作物种类；基于所 述作物种类、所述标注面积和所述作物种类对应的作物属性，计算所述作物地块的作物价值；根据所述作物价值和所述用户数据确定所述目标用户的保障额度。
可选的，所述基于所述地块边界信息计算所述作物地块的标注面积，包括：确定所述地块边界信息映射的经纬度坐标数据；基于所述经纬度坐标数据，采用面积计算公式计算所述作物地块的标注面积；其中，所述面积计算公式包括：计算经纬度坐标数据中与纬度坐标数值相邻的两个纬度坐标数值的差值与对应经度坐标数值的乘积，并对经纬度坐标数据中所有纬度坐标数值对应的乘积进行求和，将求和结果的二分之一与坐标转换常数的乘积作为所述标注面积。
需要说明的是，本说明书中关于存储介质的实施例与本说明书中关于用户资源处理方法的实施例基于同一发明构思，因此该实施例的具体实施可参见前述对应方法的实施，重复之处不再赘述。
上述对本说明书特定实施例进行了描述。其它实施例在所附权利要求书的范围内。在一些情况下，在权利要求书中记载的动作或步骤可按照不同于实施例中的顺序来执行并且仍然可实现期望的结果。另外，在附图中描绘的过程不一定要求示出的特定顺序或者连续顺序才能实现期望的结果。在某些实施方式中，多任务处理和并行处理也是可的或者可能是有利的。
在20世纪30年代，对于一个技术的改进可很明显地区分是硬件上的改进(例如，对二极管、晶体管、开关等电路结构的改进)还是软件上的改进(对于方法流程的改进)。然而，随着技术的发展，当今的很多方法流程的改进已经可视为硬件电路结构的直接改进。设计人员几乎都通过将改进的方法流程编程到硬件电路中来得到相应的硬件电路结构。因此，不能说一个方法流程的改进就不能用硬件实体模块来实现。例如，可编程逻辑器件(Programmable Logic Device，PLD)(例如现场可编程门阵列(Field Programmable Gate Array，FPGA))就是这样一种集成电路，其逻辑功能由用户对器件编程来确定。由设计人员自行编程来把一个数字系统“集成”在一片PLD上，而不需要请芯片制造厂商来设计和制作专用的集成电路芯片。而且，如今，取代手工地制作集成电路芯片，这种编程也多半改用“逻辑编译器(logic compiler)”软件来实现，它与程序开发撰写时所用的软件编译器相类似，而要编译之前的原始代码也得用特定的编程语言来撰写，此称之为硬件描述语言(Hardware Description Language，HDL)，而HDL也并非仅有一种，而是有许多种，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)与Verilog。本领域技术人员也应该清楚，只需要将方法流程用上述几种硬件描述语言稍作逻辑编程并编程到集成电路中，就可很容易得到实现该逻辑方法流程的硬件电路。
控制器可按任何适当的方式实现，例如，控制器可采取例如微处理器或处理器以及存储可由该(微)处理器执行的计算机可读程序代码(例如软件或固件)的计算机可读介质、逻辑门、开关、专用集成电路(Application Specific Integrated Circuit，ASIC)、可编程逻辑控制器和嵌入微控制器的形式，控制器的例子包括但不限于以下微控制器：ARC 625D、Atmel AT91SAM、Microchip PIC18F26K20以及Silicone Labs C8051F320，存储器控制器还可被实现为存储器的控制逻辑的一部分。本领域技术人员也知道，除了以纯计算机可读程序代码方式实现控制器以外，完全可通过将方法步骤进行逻辑编程来使得控制器以逻辑门、开关、专用集成电路、可编程逻辑控制器和嵌入微控制器等的形式来实现相同功能。因此这种控制器可被认为是一种硬件部件，而对其内包括的用于实 现各种功能的装置也可视为硬件部件内的结构。或者甚至，可将用于实现各种功能的装置视为既可是实现方法的软件模块又可是硬件部件内的结构。
上述实施例阐明的系统、装置、模块或单元，具体可由计算机芯片或实体实现，或者由具有某种功能的产品来实现。一种典型的实现设备为计算机。具体的，计算机例如可为个人计算机、膝上型计算机、蜂窝电话、相机电话、智能电话、个人数字助理、媒体播放器、导航设备、电子邮件设备、游戏控制台、平板计算机、可穿戴设备或者这些设备中的任何设备的组合。
为了描述的方便，描述以上装置时以功能分为各种单元分别描述。当然，在实施本说明书实施例时可把各单元的功能在同一个或多个软件和/或硬件中实现。
本领域内的技术人员应明白，本说明书一个或多个实施例可提供为方法、系统或计算机程序产品。因此，本说明书一个或多个实施例可采用完全硬件实施例、完全软件实施例、或结合软件和硬件方面的实施例的形式。而且，本说明书可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。
本说明书是参照根据本说明书实施例的方法、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品，该指令装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。
在一个典型的配置中，计算设备包括一个或多个处理器(CPU)、输入/输出接口、网络接口和内存。内存可能包括计算机可读介质中的非永久性存储器，随机存取存储器(RAM)和/或非易失性内存等形式，如只读存储器(ROM)或闪存(flash RAM)。内存是计算机可读介质的示例。计算机可读介质包括永久性和非永久性、可移动和非可移动媒体可由任何方法或技术来实现信息存储。信息可是计算机可读指令、数据结构、程序的模块或其他数据。计算机的存储介质的例子包括，但不限于相变内存(PRAM)、静态随机存取存储器(SRAM)、动态随机存取存储器(DRAM)、其他类型的随机存取存储器(RAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、快闪记忆体或其他内存技术、只读光盘只读存储器(CD-ROM)、数字多功能光盘(DVD)或其他光学存储、磁盒式磁带，磁带磁磁盘存储或其他磁性存储设备或任何其他非传输介质，可用于存储可被计算设备访问的信息。按照本文中的界定，计算机可读介质不包括暂存电脑可读媒体(transitory media)，如调制的数据信号和载波。
还需要说明的是，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、商品或者设备不仅包括那些要素，而且还 包括没有明确列出的其他要素，或者是还包括为这种过程、方法、商品或者设备所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括所述要素的过程、方法、商品或者设备中还存在另外的相同要素。
本说明书一个或多个实施例可在由计算机执行的计算机可执行指令的一般上下文中描述，例如程序模块。一般地，程序模块包括执行特定任务或实现特定抽象数据类型的例程、程序、对象、组件、数据结构等等。也可在分布式计算环境中实践本说明书的一个或多个实施例，在这些分布式计算环境中，由通过通信网络而被连接的远程处理设备来执行任务。在分布式计算环境中，程序模块可位于包括存储设备在内的本地和远程计算机存储介质中。
本说明书中的各个实施例均采用递进的方式描述，各个实施例之间相同相似的部分互相参见即可，每个实施例重点说明的都是与其他实施例的不同之处。尤其，对于系统实施例而言，由于其基本相似于方法实施例，所以描述的比较简单，相关之处参见方法实施例的部分说明即可。
以上所述仅为本文件的实施例而已，并不用于限制本文件。对于本领域技术人员来说，本文件可有各种更改和变化。凡在本文件的精神和原理之内所作的任何修改、等同替换、改进等，均应包含在本文件的权利要求范围之内。

Claims (25)

  1. 一种授信额度处理方法，包括：
    获取目标用户录入的身份信息，以及作物地块的地块信息；
    向所述目标用户展示地图页面；
    若检测到在所述地图页面输入的标注动作，确定所述标注动作对应的地块边界信息；
    基于所述地块边界信息计算所述作物地块的标注面积；
    根据所述标注面积、所述地块信息以及基于所述身份信息获取的用户数据，确定所述目标用户的授信额度。
  2. 根据权利要求1所述的授信额度处理方法，所述身份信息和所述地块信息在所述目标用户触发授信处理通道之后录入，所述授信处理通道向预设用户清单中记录的目标用户开放，且所述授信处理通道与目标应用绑定；
    在检测到所述目标用户针对所述目标应用的应用处理请求的情况下，基于所述目标应用的应用页面展示所述授信处理通道的触发控件，所述目标用户通过触发所述触发控件来触发所述授信处理通道。
  3. 根据权利要求2所述的授信额度处理方法，在检测到所述触发控件被触发之后，向所述目标用户展示所述目标应用下所述授信处理通道的授信申请页面；其中，所述授信申请页面配置有信息录入接口和授信申请控件；所述身份信息和所述地块信息基于所述信息录入接口进行录入；
    相应的，所述向所述目标用户展示地图页面，包括：
    在获取到所述目标用户针对所述授信申请控件提交的申请指令的情况下，向所述目标用户展示所述地图页面。
  4. 根据权利要求3所述的授信额度处理方法，所述授信申请页面配置有地块管理控件，若检测到所述地块管理控件被触发，则查询所述目标用户的作物地块并基于地块管理页面进行展示；在所述地块管理页面配置的返回控件被触发的情况下，返回所述授信申请页面。
  5. 根据权利要求3所述的授信额度处理方法，还包括：
    存储所述目标用户录入的所述身份信息、所述地块信息和/或所述地块边界信息；
    在检测到所述目标用户针对所述授信申请控件提交的二次申请指令的情况下，判断所述二次申请指令的提交时间与所述申请指令的提交时间之间的时间跨度是否大于预设时间阈值；
    若是，读取存储的所述身份信息、所述地块信息和/或所述地块边界信息，并将所述身份信息、所述地块信息更新至所述授信申请页面并展示，和/或，将所述地块边界信息对应的坐标标识更新至所述地图页面并展示。
  6. 根据权利要求1所述的授信额度处理方法，所述向所述目标用户展示地图页面步骤执行之后，还包括：
    获取所述目标用户的终端设备的定位数据；
    确定所述定位数据在所述地图页面所属地图坐标中映射的坐标信息，并在所述地图页面中更新所述坐标信息对应的坐标标识；
    基于所述定位数据计算所述作物地块的地块面积；
    根据所述地块面积、所述地块信息和所述用户数据，确定所述目标用户的第二授信额度。
  7. 根据权利要求1所述的授信额度处理方法，所述获取目标用户在触发授信处理通道之后录入的身份信息，以及作物地块的地块信息步骤执行之后，还包括：
    判断所述地块信息中包含的地块面积是否大于预设面积阈值；
    若是，执行所述向所述目标用户展示地图页面步骤；
    若否，获取所述目标用户的终端设备的定位数据；
    基于所述定位数据确定所述作物地块的第二地块边界信息；
    基于所述第二地块边界信息计算所述作物地块的第二标注面积；
    根据所述第二标注面积和所述用户数据，确定所述目标用户的第三授信额度。
  8. 根据权利要求1所述的授信额度处理方法，所述基于所述地块边界信息计算所述作物地块的标注面积，包括：
    确定所述地块边界信息映射的经纬度坐标数据；
    基于所述经纬度坐标数据，采用面积计算公式计算所述作物地块的标注面积；
    其中，所述面积计算公式包括：计算经纬度坐标数据中与纬度坐标数值相邻的两个纬度坐标数值的差值与对应经度坐标数值的乘积，并对经纬度坐标数据中所有纬度坐标数值对应的乘积进行求和，将求和结果的二分之一与坐标转换常数的乘积作为所述标注面积。
  9. 根据权利要求1所述的授信额度处理方法，所述根据所述标注面积、所述地块信息以及基于所述身份信息获取的用户数据，确定所述目标用户的授信额度，包括：
    将所述标注面积与所述地块信息中包含的地块面积进行比对；
    若比对结果为所述标注面积小于或者等于所述地块面积，根据所述标注面积和所述用户数据确定专用授信额度，作为所述目标用户的授信额度；
    若比对结果为所述标注面积大于所述地块面积，根据所述地块面积和所述用户数据确定专用授信额度，作为所述目标用户的授信额度。
  10. 根据权利要求9所述的授信额度处理方法，所述根据所述标注面积和所述用户数据确定专用授信额度，作为所述目标用户的授信额度，包括：
    将所述标注面积和所述用户数据作为模型输入，输入额度分配模型进行授信额度分配，输出针对所述作物地块向所述目标用户分配的授信额度，作为所述专用授信额度。
  11. 根据权利要求1所述的授信额度处理方法，还包括：
    将所述地块边界信息以及对应的时间信息输入作物识别模型进行作物种类识别，获得所述作物地块的作物种类；
    基于所述作物种类、所述标注面积和所述作物种类对应的作物属性，计算所述作物地块的作物价值；
    根据所述作物价值和所述用户数据确定所述目标用户的第四授信额度。
  12. 根据权利要求1所述的授信额度处理方法，所述根据所述标注面积、所述地块信息以及基于所述身份信息获取的用户数据，确定所述目标用户的授信额度步骤执行之后，还包括：
    读取所述目标用户的授信状态；
    若所述目标用户的授信状态为未授信，基于所述授信额度对所述目标用户进行授信处理；
    若所述目标用户的授信状态为已授信，基于所述授信额度对所述目标用户的初始授信额度进行调整；
    若所述目标用户的授信状态为授信已用，基于所述目标用户参与签订的作物经营合约中记录的合约信息，生成履约提醒并向所述目标用户发送。
  13. 一种用户资源处理方法，包括：
    获取目标用户录入的作物地块的地块信息；
    向所述目标用户展示地理信息页面；
    若检测到在所述地理信息页面输入的标注动作，确定所述标注动作对应的地块边界信息；
    基于所述地块边界信息计算所述作物地块的标注面积；
    根据所述地块信息、所述标注面积以及所述目标用户的用户数据，对所述目标用户的用户资源进行资源操作处理。
  14. 根据权利要求13所述的用户资源处理方法，所述根据所述地块信息、所述标注面积以及所述目标用户的用户数据，对所述目标用户的用户资源进行资源操作处理，包括：
    将所述标注面积、所述地块信息以及所述用户数据作为模型输入，输入额度分配模型进行授信额度分配，输出针对所述作物地块向所述目标用户分配的专用授信额度；
    读取所述目标用户的授信状态；
    若所述目标用户的授信状态为未授信，基于所述专用授信额度对所述目标用户进行授信处理；
    若所述目标用户的授信状态为已授信，基于所述专用授信额度对所述目标用户的初始授信额度进行调整；
    若所述目标用户的授信状态为授信已用，基于所述目标用户参与签订的作物经营合约中记录的合约信息，生成履约提醒并向所述目标用户发送。
  15. 根据权利要求13所述的用户资源处理方法，所述根据所述地块信息、所述标注面积以及所述目标用户的用户数据，对所述目标用户的用户资源进行资源操作处理，包括：
    基于所述地块信息中包含的地块面积和所述标注面积，计算所述地块信息的置信度；
    在所述置信度大于预设置信度阈值的情况下，基于所述置信度和所述用户数据中包含的信用数据，更新所述目标用户的信用等级。
  16. 根据权利要求13所述的用户资源处理方法，所述根据所述地块信息、所述标注面积以及所述目标用户的用户数据，对所述目标用户的用户资源进行资源操作处理，包括：
    确定所述地块坐标信息在预先获取的遥感影像中映射的遥感影像作物地块；
    根据预先识别并存储的所述遥感影像作物地块包含的影像单元的作物种类，确定所述作物地块的作物种类；
    基于所述标注面积和所述作物种类计算所述作物地块的作物价值；
    根据所述作物价值和所述作物种类对应的资源转化率，计算所述地块信息对应的资源转化数值；
    基于所述资源转化数值和所述目标用户的资源偏好和/或资源状态，生成所述作物地块的资源管理策略。
  17. 根据权利要求13所述的用户资源处理方法，所述根据所述地块信息、所述标注面积以及所述目标用户的用户数据，对所述目标用户的用户资源进行资源操作处理，包括：
    确定所述地块信息中包含的地块坐标信息对应的时间信息；
    基于所述时间信息，确定所述地块坐标信息在预先获取的遥感影像中映射的遥感影像作物地块；
    根据预先识别并存储的所述遥感影像作物地块包含的影像单元的作物种类，确定所述作物地块的作物种类；
    基于所述作物种类、所述标注面积、所述地块信息中包含的地域信息以及作物种类对应的作物价值波动，确定所述作物地块的风险等级；
    基于所述风险等级生成风险预警提示并向所述目标用户展示。
  18. 根据权利要求13所述的用户资源处理方法，所述根据所述地块信息、所述标注面积以及所述目标用户的用户数据，对所述目标用户的用户资源进行资源操作处理，包括：
    将所述地块边界信息以及对应的时间信息输入作物识别模型进行作物种类识别，获得所述作物地块的作物种类；
    基于所述作物种类、所述标注面积和所述作物种类对应的作物属性，计算所述作物 地块的作物价值；
    根据所述作物价值和所述用户数据确定所述目标用户的保障额度。
  19. 根据权利要求13所述的用户资源处理方法，所述基于所述地块边界信息计算所述作物地块的标注面积，包括：
    确定所述地块边界信息映射的经纬度坐标数据；
    基于所述经纬度坐标数据，采用面积计算公式计算所述作物地块的标注面积；
    其中，所述面积计算公式包括：计算经纬度坐标数据中与纬度坐标数值相邻的两个纬度坐标数值的差值与对应经度坐标数值的乘积，并对经纬度坐标数据中所有纬度坐标数值对应的乘积进行求和，将求和结果的二分之一与坐标转换常数的乘积作为所述标注面积。
  20. 一种授信额度处理装置，包括：
    信息获取模块，被配置为获取目标用户录入的身份信息，以及作物地块的地块信息；
    地图页面展示模块，被配置为向所述目标用户展示地图页面；
    地块边界信息确定模块，被配置为在检测到在所述地图页面输入的标注动作的情况下，确定所述标注动作对应的地块边界信息；
    标注面积计算模块，被配置为基于所述地块边界信息计算所述作物地块的标注面积；
    授信额度确定模块，被配置为根据所述标注面积、所述地块信息以及基于所述身份信息获取的用户数据，确定所述目标用户的授信额度。
  21. 一种用户资源处理装置，包括：
    地块信息获取模块，被配置为获取目标用户录入的作物地块的地块信息；
    地理信息页面展示模块，被配置为向所述目标用户展示地理信息页面；
    地块边界信息确定模块，被配置为在检测到在所述地理信息页面输入的标注动作的情况下，确定所述标注动作对应的地块边界信息；
    标注面积计算模块，被配置为基于所述地块边界信息计算所述作物地块的标注面积；
    资源操作处理模块，被配置为根据所述地块信息、所述标注面积以及所述目标用户的用户数据，对所述目标用户的用户资源进行资源操作处理。
  22. 一种授信额度处理设备，包括：
    处理器；以及，
    被配置为存储计算机可执行指令的存储器，所述计算机可执行指令在被执行时使所述处理器：
    获取目标用户录入的身份信息，以及作物地块的地块信息；
    向所述目标用户展示地图页面；
    若检测到在所述地图页面输入的标注动作，确定所述标注动作对应的地块边界信息；
    基于所述地块边界信息计算所述作物地块的标注面积；
    根据所述标注面积、所述地块信息以及基于所述身份信息获取的用户数据，确定所述目标用户的授信额度。
  23. 一种用户资源处理设备，包括：
    处理器；以及，
    被配置为存储计算机可执行指令的存储器，所述计算机可执行指令在被执行时使所述处理器：
    获取目标用户录入的作物地块的地块信息；
    向所述目标用户展示地理信息页面；
    若检测到在所述地理信息页面输入的标注动作，确定所述标注动作对应的地块边界信息；
    基于所述地块边界信息计算所述作物地块的标注面积；
    根据所述地块信息、所述标注面积以及所述目标用户的用户数据，对所述目标用户 的用户资源进行资源操作处理。
  24. 一种存储介质，用于存储计算机可执行指令，所述计算机可执行指令在被执行时实现以下流程：
    获取目标用户录入的身份信息，以及作物地块的地块信息；
    向所述目标用户展示地图页面；
    若检测到在所述地图页面输入的标注动作，确定所述标注动作对应的地块边界信息；
    基于所述地块边界信息计算所述作物地块的标注面积；
    根据所述标注面积、所述地块信息以及基于所述身份信息获取的用户数据，确定所述目标用户的授信额度。
  25. 一种存储介质，用于存储计算机可执行指令，所述计算机可执行指令在被执行时实现以下流程：
    获取目标用户录入的作物地块的地块信息；
    向所述目标用户展示地理信息页面；
    若检测到在所述地理信息页面输入的标注动作，确定所述标注动作对应的地块边界信息；
    基于所述地块边界信息计算所述作物地块的标注面积；
    根据所述地块信息、所述标注面积以及所述目标用户的用户数据，对所述目标用户的用户资源进行资源操作处理。
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