Credit Limit Processing Method and Device, User Resource Processing Method and Device

Abstract

The embodiments of this specification provide a credit limit processing method and device, and a user resource processing method and device. Among them, a credit limit processing method includes: obtaining the identity information entered by a target user and the plot information of a crop plot; displaying a map page to the target user; if a marking action input on the map page is detected, determining the plot boundary information corresponding to the marking action; calculating the marked area of the crop plot based on the plot boundary information; and determining the credit limit of the target user according to the marked area, the plot information, and the user data obtained based on the identity information.

Description

[0001] This application is a divisional application of a Chinese invention patent application with an application date of June 30, 2020, an application number of CN202010613802.5, and a title of "Credit Limit Processing Method and Device, User Resource Processing Method and Device". Technical Field

[0002] This document relates to the technical field of data processing, and in particular, to a credit limit processing method and device, and a user resource processing method and device. Background Art

[0003] With the popularization and application of communication technology and big data in traditional industries, in the fields of agriculture, forestry, aquaculture, etc., services for digital production management based on big data have emerged. However, for traditional large-scale growers, their income mainly depends on production and planting activities, which depends on the crop planting area and crop types. When conducting activities such as asset evaluation, contract signing, and credit analysis, these users are restricted by the sparse data dimensions and are often in a relatively disadvantageous position. Summary of the Invention

[0004] One or more embodiments of this specification provide a credit limit processing method. The credit limit processing method includes: obtaining the identity information entered by a target user and the plot information of a crop plot. Displaying a map page to the target user. If a marking action input on the map page is detected, determining the plot boundary information corresponding to the marking action. Calculating the marked area of the crop plot based on the plot boundary information. Determining the credit limit of the target user according to the marked area, the plot information, and the user data obtained based on the identity information.

[0005] One or more embodiments of this specification provide a user resource processing method, including: obtaining the plot information of a crop plot entered by a target user. Displaying a geographic information page to the target user. If a marking action input on the geographic information page is detected, determining the plot boundary information corresponding to the marking action. Calculating the marked area of the crop plot based on the plot boundary information. Performing a resource operation process on the user resources of the target user according to the plot information, the marked area, and the user data of the target user.

[0006] One or more embodiments of this specification provide a credit limit processing device, including: an information acquisition module configured to acquire the identity information entered by a target user and the plot information of a crop plot. A map page display module configured to display a map page to the target user. A plot boundary information determination module configured to determine the plot boundary information corresponding to a marking action in the case of detecting a marking action input on the map page. A marked area calculation module configured to calculate the marked area of the crop plot based on the plot boundary information. A credit limit determination module configured to determine the credit limit of the target user according to the marked area, the plot information, and the user data obtained based on the identity information.

[0007] One or more embodiments of this specification provide a user resource processing device, including: a plot information acquisition module configured to acquire the plot information of a crop plot entered by a target user. A geographic information page display module configured to display a geographic information page to the target user. A plot boundary information determination module configured to determine the plot boundary information corresponding to a marking action in the case of detecting a marking action input on the geographic information page. A marked area calculation module configured to calculate the marked area of the crop plot based on the plot boundary information. A resource operation processing module configured to perform 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.

[0008] One or more embodiments of this specification provide a credit limit processing device, including: a processor; and a memory configured to store computer-executable instructions, where the computer-executable instructions, when executed, cause the processor to: acquire the identity information entered by a target user and the plot information of a crop plot. Display a map page to the target user. If a marking action input on the map page is detected, determine the plot boundary information corresponding to the marking action. Calculate the marked area of the crop plot based on the plot boundary information. Determine the credit limit of the target user according to the marked area, the plot information, and the user data obtained based on the identity information.

[0009] One or more embodiments of this specification provide a user resource processing device, including: a processor; and a memory configured to store computer-executable instructions, which when executed cause the processor to: obtain plot information of a crop plot entered by a target user. Display a geographic information page to the target user. If a marking action input on the geographic information page is detected, determine the plot boundary information corresponding to the marking action. Calculate the marked area of the crop plot based on the plot boundary information. Perform resource operation processing on the user resources of the target user according to the plot information, the marked area, and the user data of the target user.

[0010] One or more embodiments of this specification provide a storage medium for storing computer-executable instructions, which when executed implement the following process: obtain identity information entered by a target user and plot information of a crop plot. Display a map page to the target user. If a marking action input on the map page is detected, determine the plot boundary information corresponding to the marking action. Calculate the marked area of the crop plot based on the plot boundary information. Determine the credit limit of the target user according to the marked area, the plot information, and the user data obtained based on the identity information.

[0011] One or more embodiments of this specification provide a storage medium for storing computer-executable instructions, which when executed implement the following process: obtain plot information of a crop plot entered by a target user. Display a geographic information page to the target user. If a marking action input on the geographic information page is detected, determine the plot boundary information corresponding to the marking action. Calculate the marked area of the crop plot based on the plot boundary information. Perform resource operation processing on the user resources of the target user according to the plot information, the marked area, and the user data of the target user. Description of the Drawings

[0012] In order to more clearly illustrate the technical solutions in one or more embodiments of this specification or the prior art, the following will briefly introduce the drawings required for the description of the embodiments or the prior art. Obviously, the drawings in the following description are only some embodiments recorded in this specification. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative efforts.

[0013] Figure 1 It is a processing flow chart of a credit limit processing method provided by one or more embodiments of this specification;

[0014] Figure 2A schematic diagram of a credit application page provided for one or more embodiments of this specification;

[0015] Figure 3 A schematic diagram of a plot management page provided for one or more embodiments of this specification;

[0016] Figure 4 A schematic diagram of the first map page provided for one or more embodiments of this specification;

[0017] Figure 5 A schematic diagram of the second map page provided for one or more embodiments of this specification;

[0018] Figure 6 A processing flow chart of a credit limit processing method applied to the scenario of an agricultural assistance loan project provided for one or more embodiments of this specification;

[0019] Figure 7 A processing flow chart of a user resource processing method provided for one or more embodiments of this specification;

[0020] Figure 8 A processing flow chart of a user resource processing method applied to the scenario of a guarantee project provided for one or more embodiments of this specification;

[0021] Figure 9 A processing flow chart of a user resource processing method applied to the scenario of user resource management provided for one or more embodiments of this specification;

[0022] Figure 10 A schematic diagram of a credit limit processing device provided for one or more embodiments of this specification;

[0023] Figure 11 A schematic diagram of a user resource processing device provided for one or more embodiments of this specification;

[0024] Figure 12 A structural schematic diagram of a credit limit processing device provided for one or more embodiments of this specification;

[0025] Figure 13 A structural schematic diagram of a user resource processing device provided for one or more embodiments of this specification. Detailed implementation manners

[0026] To enable those skilled in the art to better understand the technical solutions in one or more embodiments of this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below in conjunction with the accompanying drawings in one or more embodiments of this specification. Obviously, the described embodiments are only a part of the embodiments of this specification, rather than all of the embodiments. Based on one or more embodiments of this specification, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of this document.

[0027] An embodiment of a credit limit processing method provided in this specification:

[0028] Referring to Figure 1 , which shows a processing flow chart of a credit limit processing method provided in this embodiment. Referring to Figure 2 , which shows a schematic diagram of a credit application page provided in this embodiment. Referring to Figure 3 , which shows a schematic diagram of a plot management page provided in this embodiment. Referring to Figure 4 , which shows a schematic diagram of the first map page provided in this embodiment. Referring to Figure 5 , which shows a schematic diagram of the second map page provided in this embodiment. Referring to Figure 6 , which shows a processing flow chart of a credit limit processing method applied to the scenario of an agricultural loan project provided in this embodiment.

[0029] See Figure 1 , the credit limit processing method provided in this embodiment includes steps S102 to S110.

[0030] Step S102, obtain the identity information entered by the target user and the plot information of the crop plot.

[0031] In practical applications, for traditional large-scale growers in the agricultural, forestry, or aquaculture planting fields, their income mainly depends on production and planting activities, which depends on the crop planting area and crop types. At the same time, since the activity of these users (growers) in making online payments is relatively low, it is difficult to obtain a large amount of credit when conducting activities such as business loans, asset evaluations, contract signings, and credit analyses.

[0032] The credit limit processing method provided in this embodiment, for some target users in the list of large crop growers, combines specific online applications or online services to open an exclusive credit processing channel for these target users, enabling the target users to enter and mark information about crop plots through the method of "self-certification". Specifically, the target users can enter their identity information and the plot information of the crop plots through the credit processing channel. Moreover, through the marking service provided by the credit processing channel for marking crop plots on the map page, the accuracy of crop plot marking can be improved. Further, based on the marking of the crop plots, a credit assessment is carried out by combining the plot area calculated after the plot marking, the plot information entered by the user, and the user data of the target user, and a more reasonable credit limit is allocated to the user, so that the target user can obtain a credit limit that more conforms to their actual asset status. In addition, the provided credit limit can facilitate the basic production and operation of the target user, thereby promoting the improvement of the production and operation efficiency of the target user.

[0033] The target users in this embodiment refer to the users recorded in a preset user list (such as the list of large growers). Specifically, growers who own or contract a large amount of land (such as more than 10 mu) and use it as the main source of income can be defined as large growers and included in the list of large growers. The list of large growers can be provided by a third-party institution, or determined after an on-site investigation of the growers, or generated based on the growers' applications and the growers corresponding to the approved applications. There is no limitation on this. The identity information refers to the information related to the identity of the target user, such as the name, ID number, and contact information of the grower.

[0034] The crop plot refers to the land, paddy field, or seawater cultivation area used for growing surface-growing crops such as agricultural crops, forestry crops, and aquatic crops. The plot information includes the plot area of the crop plot, such as the plot area value measured in mu. In addition, the plot information entered by the target user can also be the crop variety planted in the crop plot, the plot coordinate information where the crop plot is located, and the time information, etc.

[0035] It should be noted that in this embodiment, the credit processing channel is opened for the target users in the preset user list. The credit processing channel is bound to the target application, and the identity information and plot information of the target users are entered after the target users trigger the credit processing channel. In other words, the target users 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. Specifically, in an optional implementation manner provided in this embodiment, when a target application processing request of the target user is detected, a trigger control for the credit processing channel is displayed on the application page of the target application, and the target user triggers the credit processing channel by triggering the trigger control.

[0036] Among them, credit refers to the funds directly provided by institutions such as banks and payment platforms to users, or the guarantee for the compensation and payment liabilities that users may generate in relevant activities. Credit can be for on-balance-sheet services such as loans, bill mortgages, overdrafts, and various advances, and can also be for off-balance-sheet services such as bill acceptance, letter of credit opening, and letter of guarantee. The credit limit is a stock management indicator for short-term credit business approved by institutions such as banks and payment platforms for users.

[0037] For example, the loan application in the payment platform is bound to a credit limit increase channel. When a grower in the list of large growers applies for a loan through this loan application, the loan amount needs to be determined with reference to the grower's credit limit. Specifically, when grower A in the list of large growers uses the loan application to apply for a loan, a limit increase control for the grower is set on the application page of the loan application. Grower A can trigger the credit limit increase channel by clicking the limit increase control set on the application page of the loan application, and thus perform the credit limit increase processing through the credit limit increase channel.

[0038] On the basis of granting credit to users and assigning corresponding credit limits to users, in order to support or assist users' planting production and operation activities, corresponding resources are provided to users by using the users' credit as a guarantee or mortgage, so as to ensure that users' planting production and operation activities can be maintained. Specifically, in this embodiment, the planting production and operation activities of users can be carried out normally by providing users with credit guarantees or mortgage loans. Specifically, corresponding resource support or financial assistance is provided to users by signing a crop operation contract with users. The crop operation contract refers to a contract signed by users based on their own credit limits with resource providers, and the resources obtained after signing this crop operation contract are agreed to be used for planting production and operation activities.

[0039] Specifically, the user who signs the crop operation contract can obtain corresponding funds from the loan provider. In addition, the user who signs the crop operation contract can also obtain the planting production equipment required in the planting production and operation activities from the equipment provider, or the user who signs the crop operation contract can also obtain the planting raw materials required in the planting production and operation activities from the raw material provider, which is not limited herein.

[0040] In an alternative implementation provided by this embodiment, the crop operation contract is specifically signed in the following manner:

[0041] Obtain the application request submitted by the user by triggering the application control on the contract application page of the target application;

[0042] Determine whether the application amount included in the application request is less than or equal to the credit limit;

[0043] If so, sign the crop operation contract with the user as the contract participant based on the application amount and the plot information of the crop plot submitted by the user;

[0044] If not, it indicates that the amount applied for by the user exceeds the user's credit limit, and a reminder that the applied amount exceeds the credit limit can be sent to the user.

[0045] For example, the loan application in the payment platform opens the function of applying for agricultural assistance loans to farmer A. Farmer A can apply for a loan for planting production and operation activities through this loan application. During the specific application process, enter the corresponding loan application amount and submit the loan request by triggering the application control configured on the application page of the loan application. After obtaining the loan request submitted by farmer A, based on the loan application amount of farmer A carried in the loan request, determine whether the loan application amount submitted by farmer A is greater than the credit limit of farmer A (assumed to be 10,000 yuan); if the loan application amount submitted by farmer A is less than 10,000 yuan, sign an agricultural assistance operation loan contract with farmer A as the borrower and the fund provider as the lender. At the same time, record the plot information such as the crop type of the crop plot of farmer A, the plot coordinate information and time information of the crop plot in the agricultural assistance operation loan contract.

[0046] As described above, the prerequisite for the user to obtain resource support in the planting production and operation activities is to use the user's credit as a guarantee or mortgage, and deduct or freeze the corresponding amount part in the user's credit limit; optionally, the contract information in this embodiment includes the contract amount of the crop operation contract. After the user signs the crop operation contract based on the credit limit, the used sub-amount corresponding to the contract amount in the credit limit used for signing the crop operation contract is frozen; correspondingly, the used sub-amount is restored after the user fulfills the performance terms recorded in the crop operation contract.

[0047] For example, the credit limit of grower A is 10,000 yuan. If grower A applies for 6,000 yuan for planting, then 6,000 yuan in the 10,000 yuan credit limit is frozen after signing the crop operation contract; correspondingly, if grower A repays part or all of the 6,000 yuan, the repaid part will be unfrozen in the frozen credit limit accordingly.

[0048] Furthermore, after detecting that the trigger control of the credit processing channel is triggered, a 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 entry interface and a credit application control; the identity information and the plot information are entered based on the information entry interface. Correspondingly, step S104 below displays a map page to the target user, and when an application instruction submitted by the target user for the credit application control is obtained, the map page is displayed to the target user.

[0049] Continuing with the above example, after detecting that the credit limit increase control set on the application page of the loan application is triggered by grower A, an application page for processing the credit limit increase is displayed to grower A in the loan application, as Figure 2 shown. This application page is configured with an information input window 201 and an application button 202. Grower A can enter the name, ID card, mobile phone number, and the plot area of the crop plot to be entered through the information input window 201.

[0050] Furthermore, the credit application page is configured with a plot management control. If it is detected that the plot management control is triggered, the crop plots of the target user are queried and displayed based on the plot management page; when the return control configured on the plot management page is triggered, the credit application page is returned.

[0051] Still taking the loan application in the payment platform as an example, as Figure 2 shown, the application page is also configured with a plot addition button 203. If this plot addition button 203 is triggered by grower A, then it enters Figure 3The shown 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, Plot 3 is a crop plot for growing corn, Plot 4 is a crop plot for growing rice, and Plot 5 is a crop plot for growing soybeans. If grower A wants to continue adding crop plots on this plot management page, they can click the Add Plot button 301 for addition. Specifically, after the Add Plot button 301 is clicked, it enters Figure 4 the shown map page; if grower A finishes adding crop plots, they can click the Return to Application button 302 to return to Figure 2 the shown application page.

[0052] In practical applications, the screen size of the terminal device carried by the target user is often limited, and there are also certain limitations in the map accuracy of the map page displayed on the terminal device. In this case, if the area of the crop plot of the target user is very small, it is difficult to mark the corresponding crop plot on the map page, or the marked area of the crop plot is very small, resulting in a low accuracy of crop plot marking. In an alternative implementation provided in this embodiment, in order to improve the marking experience of the target user on the map page and improve the accuracy of the target user's crop plot marking, it is determined whether to use the map page marking method for adding crop plots by judging whether the plot area included in the plot information is greater than the preset area threshold. If the plot area included in the plot information is greater than the preset area threshold, the following step S104 is executed to display the map page to the target user;

[0053] On the other hand, if the plot area included in the plot information is less than or equal to the preset area threshold, the crop plot is added with the help of the target user's terminal device. Specifically, first, the positioning data of the target user's terminal device is obtained, and then the second plot boundary information of the crop plot is determined based on the positioning data; secondly, the second marked area of the crop plot is calculated based on the second plot boundary information; finally, the third credit limit of the target user is determined according to the second marked area and the user data. The user data includes the data of the target user in various dimensions. For example, the credit investigation data of the grower in the credit dimension, the asset data in the asset dimension, and the application usage data in the application dimension.

[0054] For example, grower B is in Figure 2The plot area of the crop plot entered on the application page shown is 4.8 mu, which is less than the area threshold of 8 mu for crop plot annotation using the map page annotation method. In this case, the GPS positioning data of the mobile terminal carried by grower B is used as the plot boundary information of the crop plot to be added by grower B. According to this logic, if grower B carries the mobile terminal and moves around the crop plot to be added for one week, the plot boundary information of the entire crop plot to be added can be determined through the GPS positioning data of the mobile terminal carried by grower B. Based on this, the plot area of the crop plot to be added can be calculated. Further, based on the calculated plot area and combined with the user data of grower B, the credit limit of grower B is determined. The determination process of the credit limit here is similar to the following step S110. Refer to the specific implementation process provided in step S110 and will not be elaborated here.

[0055] Step S104, display a map page to the target user.

[0056] In specific implementation, during the process of displaying the map page to the target user, in order to facilitate the target user to perform crop plot annotation based on the displayed map page, the map accuracy of the map page can be adjusted to the accuracy adapted to the plot area according to the corresponding relationship between the plot area included in the plot information entered by the target user and the map accuracy of the map page, so as to improve the efficiency of the target user's subsequent crop plot annotation on the map page.

[0057] In addition, in specific implementation, in order to facilitate the target user to more intuitively view the process of adding the crop plot and enhance the target user's perception of the crop plot adding process, in an optional implementation manner provided in this embodiment, on the basis of displaying the map page to the target user, the positioning data of the target user's terminal device is obtained, the coordinate information mapped by the positioning data in the map coordinates of the map page is further determined, 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, and the second credit limit of the target user is determined according to the plot area, the plot information, and the user data.

[0058] For example, Figure 4For the shown map page, if the map page is the one presented to grower C, the coordinate position corresponding to the GPS positioning data of the mobile terminal carried by grower C is determined on the map page, and a corresponding mark is displayed at this coordinate position on the map page. According to this logic, if grower C moves around the crop plot to be added for a full circle with the mobile terminal, the overall plot boundary information of the crop plot to be added can be determined through the GPS positioning data of the mobile terminal carried by grower C, and a closed plot boundary mark is displayed on the map page. Based on this, the plot area of the crop plot to be added can be calculated. Further, based on the calculated plot area, combined with the plot information entered by grower C and the user data of grower C, the credit limit of grower C is determined. The process of determining the credit limit here is similar to the following step S110. Refer to the specific implementation process provided in step S110 and will not be elaborated here.

[0059] Step S106, if a marking action input on the map page is detected, determine the plot boundary information corresponding to the marking action.

[0060] Specifically, in the process of determining the plot boundary information corresponding to the marking action, first, according to the marking action input by the target user on the map page, the map boundary information corresponding to the marking action on the map page is determined, that is, the plot boundary of the crop plot in the map dimension is determined; then, according to the mapping relationship between the map position in the map dimension and the geographical location in the actual geographical area latitude, the geographical location boundary information corresponding to the map boundary information is determined as the plot boundary information corresponding to the marking action.

[0061] For example, according to grower A in Figure 4 the marking action input on the shown map page, determine the map boundary information corresponding to the marking action input by grower A on the map page, and display this map boundary information on the map page, as Figure 5 shown; and, according to the mapping relationship between the map boundary information and the longitude and latitude information of the map page, determine the longitude and latitude information corresponding to the marking action input by grower A.

[0062] In addition, in the process of determining the plot boundary information corresponding to the marking action, the map boundary information can also be used as the plot boundary information corresponding to the marking action. In the subsequent step S108 of calculating the marked area of the crop plot, the map boundary information is converted into actual boundary information, and then the marked area is calculated based on the actual boundary information.

[0063] In practical applications, it often occurs that the information entry process or the crop plot marking process carried out by the target user is interrupted. For example, when a grower adds multiple crop plots, an interruption occurs and the grower exits Figure 2The application page or exit shown Figure 3 The plot management page shown. In this case, if the target user wants to continue the interrupted information entry process or crop plot annotation process, they need to re - execute the previously executed information entry process or crop plot annotation process. In an optional implementation provided in this embodiment, in order to prevent the target user from repeating the information entry process or crop plot annotation process, the following method is used to resume the interrupted processing process:

[0064] 1) Store the identity information, the plot information, and / or the plot boundary information entered by the target user;

[0065] 2) When detecting a 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 a preset time threshold;

[0066] If so, read the stored identity information, the plot information, and / or the plot boundary information, and update the identity information and the plot information to the credit application page and display them, and / or update the coordinate markers corresponding to the plot boundary information to the map page and display them;

[0067] If not, it indicates that the time span between the time when the target user re - enters information or annotates the crop plot and the time when they previously entered information or annotated the crop plot is relatively large, and a corresponding reminder can be sent to the target user or no processing is required.

[0068] Step S108, calculate the marked area of the crop plot based on the plot boundary information.

[0069] In this embodiment, the marked area of the target user's crop plot is calculated through latitude and longitude data. Optionally, in the specific calculation process, first determine the latitude and longitude coordinate data mapped by the plot boundary information, and then based on the latitude and longitude coordinate data, use the area calculation formula to calculate the marked area of the crop plot;

[0070] Among them, the area calculation formula includes: calculating the product of the difference between two adjacent latitude coordinate values in the latitude and longitude coordinate data and the corresponding longitude coordinate value, summing up the products corresponding to all latitude coordinate values in the latitude and longitude coordinate data, and taking half of the summation result multiplied by the coordinate conversion constant as the marked area.

[0071] For example, after grower A makes a mark on the map page, the boundary of the crop plot shown on the map page is as Figure 5As shown, based on the determined plot boundary information of grower A, the longitude and latitude coordinate data of grower A's crop plot are: (x1, y1), (x2, y2), ··· (x n , y n ); then, the plot area S of grower A's crop plot is calculated according to the following formula:

[0072] Plot area

[0073] where 9101160000.085981 in the formula is the coordinate conversion constant;

[0074] Finally, the plot area calculated based on this formula is 1403 mu and 3 fen.

[0075] Step S110: Determine the credit limit of the target user according to the marked area, the plot information, and the user data obtained based on the identity information.

[0076] As described above, the user data of the target user includes the data of the target user in various dimensions. For example, the credit investigation data of the grower in the credit dimension, the asset data in the asset dimension, and the application usage data in the application dimension. It should be noted that in the process of determining the credit limit of the target user, 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 data of the target user in multiple dimensions, so as to improve the accuracy and comprehensiveness of the credit limit evaluation.

[0077] Specifically, in an optional implementation manner provided in this embodiment, on the basis of calculating the plot area of the crop plot of the target user above, in order to improve the effectiveness of the plot area and further improve the accuracy of the credit limit determined based on the plot area, in an optional implementation manner provided in this embodiment, 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, determine the 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 greater than the plot area, determine the dedicated credit limit according to the plot area and the user data as the credit limit of the target user.

[0078] Specifically, in an optional implementation manner provided in this embodiment, in the process of determining the dedicated credit limit according to the marked area and the user data, by using the marked area and the user data as model inputs, input them into the credit limit allocation model for credit limit allocation, and output the dedicated credit limit allocated to the target user for the crop plot as the credit limit, so as to improve the processing efficiency in the process of determining the credit limit of the target user.

[0079] Similarly, in the process of determining the dedicated credit limit based on the plot area included in the plot information and the user data, by taking the plot area included in the plot information and the user data as model inputs, inputting them into the credit limit allocation model for credit limit allocation, and outputting the dedicated credit limit allocated to the target user for the crop plot as the credit limit.

[0080] In addition, in specific implementation, in the process of determining the credit limit of the target user, in order to further improve the accuracy of the credit limit of the target user, the credit limit can also be determined starting from the crop value of the crop plot of the target user. The credit limit determined in this way is more consistent with the actual asset status of the target user and more in line with the actual repayment ability of the user. In an optional implementation manner provided in this embodiment, the plot boundary information and the corresponding time information are input into the crop recognition model for crop type recognition to obtain the crop type of the crop plot; then, based on the crop type, the marked area, and the crop attributes corresponding to the crop type, the crop value of the crop plot is calculated; finally, the fourth credit limit of the target user is determined according to the crop value and the user data.

[0081] In practical applications, different target users may apply for the credit limit for different reasons or be in different credit states when applying for the credit limit. For example, some growers have not yet activated the credit service when applying for the credit limit, or some growers have activated the credit service and already have a certain credit limit when applying for the credit limit, or some growers have already used their credit limit through loans or mortgages when applying for the credit limit. In an optional implementation manner provided in this embodiment, in order to improve the user experience of the target user, starting from the credit state of the target user, targeted processing is performed on target users in different credit states. Specifically, the credit state of the target user is read; if the credit state of the target user is uncredited, credit processing is performed on the target user based on the credit limit; if the credit state of the target user is credited, the initial credit limit of the target user is adjusted based on the credit limit; if the credit state of the target user is credit used, a performance reminder is generated and sent to the target user based on the contract information recorded in the crop operation contract participated in by the target user.

[0082] In addition, it should be noted that the above implementation of determining the credit limit of the target user based on the marked area, the plot information, and the user data obtained based on the identity information can also be replaced by corresponding processing actions in different application scenarios according to the scenario characteristics of different application scenarios. The following provides specific implementation methods in 5 different implementation scenarios:

[0083] The first implementation method:

[0084] Taking the marked area, the plot information, and the user data as model inputs, inputting them into a credit limit allocation model for credit limit allocation, and outputting a dedicated credit limit allocated to the target user for the crop plot;

[0085] Reading the credit status of the target user;

[0086] If the credit status of the target user is uncredited, performing a credit process on the target user based on the dedicated credit limit;

[0087] If the credit status of the target user is credited, adjusting the initial credit limit of the target user based on the dedicated credit limit;

[0088] If the credit status of the target user is credit used, generating a performance reminder based on the contract information recorded in the crop operation contract participated in by the target user and sending it to the target user.

[0089] The second implementation method:

[0090] Calculating the confidence level of the plot information based on the plot area included in the plot information and the marked area;

[0091] When the confidence level is greater than a preset confidence threshold, updating the credit rating of the target user based on the confidence level and the credit data included in the user data.

[0092] The third implementation method:

[0093] Determining the remote sensing image crop plot mapped by the plot coordinate information in the pre-acquired remote sensing image;

[0094] Determining the crop type of the crop plot according to the crop types of the image units included in the pre-identified and stored remote sensing image crop plot;

[0095] Calculating the crop value of the crop plot based on the marked area and the crop type;

[0096] Calculating the resource conversion value corresponding to the plot information according to the crop value and the resource conversion rate corresponding to the crop type;

[0097] Generating a resource management strategy for the crop plot based on the resource conversion value and the resource preference and / or resource status of the target user.

[0098] The fourth implementation method:

[0099] Determining the time information corresponding to the plot coordinate information included in the plot information;

[0100] Based on the time information, determine the remote sensing image crop plot mapped by the plot coordinate information in the pre-acquired remote sensing image;

[0101] Determine the crop type of the crop plot according to the crop types of the image units included in the pre-identified and stored remote sensing image crop plot;

[0102] Based on the crop type, the marked area, the regional information included in the plot information, and the crop value fluctuation corresponding to the crop type, determine the risk level of the crop plot;

[0103] Generate a risk warning prompt based on the risk level and display it to the target user.

[0104] The fifth implementation method:

[0105] Input the plot boundary information and the corresponding time information into a crop recognition model for crop type recognition to obtain the crop type of the crop plot;

[0106] Based on the crop type, the marked area, and the crop attributes corresponding to the crop type, calculate the crop value of the crop plot;

[0107] Determine the guarantee amount of the target user according to the crop value and the user data.

[0108] The following takes the application of a credit limit processing method provided in this embodiment in the scenario of an agricultural assistance loan project as an example to further illustrate the credit limit processing method provided in this embodiment. See Figure 6 , the credit limit processing method applied to the scenario of an agricultural assistance loan project specifically includes steps S602 to S622.

[0109] Step S602, obtain the identity information entered by the grower after triggering the credit processing channel on the project page of the agricultural assistance loan project, and the plot information of the crop plot.

[0110] Specifically, in the case of detecting an application request from the grower for the agricultural assistance loan project, display a trigger control for the credit processing channel based on the project page of the agricultural assistance loan project; after detecting that the trigger control is triggered, display a credit application page for the credit processing channel under the agricultural assistance loan project; among them, the credit application page is configured with an information entry interface and a credit application control; the grower's identity information and plot information are entered based on the information entry interface. In addition, the credit application page is also configured with a plot management control.

[0111] Among them, 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. The crop plot refers to the land, paddy field, or seawater planting area used for growing surface-growing crops such as agricultural crops, forestry crops, and aquatic crops. The plot information includes the plot area of the crop plot, such as the plot area value measured in mu.

[0112] Step S604, when the application instruction submitted by the grower for the credit application control is obtained, display a map page to the grower.

[0113] Step S606, if it is detected that the grower makes a marking action on the map page, determine the plot boundary information corresponding to the marking action.

[0114] Specifically, in the process of determining the plot boundary information corresponding to the marking action, first, according to the marking action input by the grower on the map page, determine the map boundary information corresponding to the marking action on the map page, that is: determine the plot boundary of the crop plot in the map dimension; then, according to the mapping relationship between the map position in the map dimension and the geographical location in the actual geographical area latitude, determine the geographical location boundary information corresponding to the map boundary information as the plot boundary information corresponding to the marking action.

[0115] Step S608, calculate the marked area of the crop plot based on the plot boundary information.

[0116] According to the determined plot boundary information of the grower, the latitude and longitude coordinate data of the grower's crop plot are determined as: (x1, y1), (x2, y2), ··· (x n , y n ); then, calculate the plot area S of the grower A's crop plot according to the following formula:

[0117] Plot area

[0118] Among them, 9101160000.085981 is the coordinate conversion constant.

[0119] Step S610, compare the marked area with the plot area included in the plot information.

[0120] Step S612, if the comparison result is that the marked area is less than or equal to the plot area, determine the dedicated credit limit according to the marked area and the grower's user data as the grower's dedicated credit limit.

[0121] Specifically, in the process of determining the dedicated credit limit based on the marked area and user data, when determining the credit limit of the target user, by taking the marked area and user data as model inputs, inputting them into the credit limit allocation model for credit limit allocation, and outputting the dedicated credit limit allocated to the grower for the crop plot.

[0122] Step S614, if the comparison result shows that the marked area is greater than the plot area, determine the dedicated credit limit based on the plot area and the grower's user data, and use it as the grower's dedicated credit limit.

[0123] Step S616, read the credit status of the grower.

[0124] Step S618, if the grower's credit status is uncredited, conduct a credit processing for the grower based on the dedicated credit limit.

[0125] Step S620, if the grower's credit status is credited, adjust the grower's initial credit limit based on the dedicated credit limit.

[0126] Step S622, if the grower's credit status is that the credit has been used, generate a performance reminder and send it to the grower based on the contract information recorded in the agricultural assistance operation loan contract of the agricultural assistance loan project participated by the grower.

[0127] An embodiment of the user resource processing method provided in this specification is as follows:

[0128] Refer to Figure 7 , which shows a processing flow chart of a user resource processing method provided in this embodiment. The user resource processing method specifically includes steps S702 to step 710.

[0129] Step S702, obtain the plot information of the crop plot entered by the target user.

[0130] The user resource processing method provided in this embodiment obtains the plot information of the crop plot of the target user, marks the crop plot of the target user, and further, based on the marked crop plot, combines the plot area calculated after the plot marking, the plot information entered by the user, and the user data of the target user to conduct a credit assessment for the target user, allocate a more reasonable credit limit for the user, thereby more effectively manage the user resources of the target user, and further promote the improvement of the production and operation efficiency of the target user.

[0131] The crop plot refers to the land, paddy field or seawater planting area used for growing surface-growing crops such as agricultural crops, forestry crops, and aquatic crops. The plot information includes one or more of the plot area of the crop plot, the crop type, the plot coordinate information where the crop plot is located, and the time information.

[0132] In this embodiment, a credit granting processing channel is opened for target users in a preset user list. The credit granting processing channel is bound to a target application, and the plot information of the target users is entered after the target users trigger the credit granting processing channel. In other words, the target users in the preset user list can perform information entry and credit limit processing through the credit granting 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; specifically, in an optional implementation provided in this embodiment, when a application processing request of the target application by the target user is detected, a trigger control for the credit granting processing channel is displayed on the application page of the target application, and the target user triggers the credit granting processing channel by triggering the trigger control.

[0133] Among them, credit granting refers to the funds directly provided by institutions such as banks and payment platforms to users, or the guarantee for the compensation and payment liabilities that users may generate in relevant activities. Credit granting can be for both on-balance-sheet services such as loans, bill mortgages, overdrafts, and various advances, and off-balance-sheet services such as bill acceptance, letter of credit opening, and letter of guarantee. The credit limit is a stock management indicator for short-term credit granting business approved by institutions such as banks and payment platforms for users.

[0134] Further, after detecting that the trigger control of the credit granting processing channel is triggered, a credit application page of the credit granting processing channel under the target application is displayed to the target user; among them, the credit application page is configured with an information entry interface and a credit application control; the plot information is entered based on the information entry interface.

[0135] Step S704, display a geographic information page to the target user.

[0136] During specific implementation, during the process of displaying the geographic information page to the target user, in order to facilitate the target user to mark crop plots based on the displayed geographic information page, the accuracy of the geographic information page can be adjusted to an accuracy adapted to the plot area according to the corresponding relationship between the plot area included in the plot information entered by the target user and the accuracy of the geographic information page, so as to improve the efficiency of the target user to mark crop plots on the geographic information page subsequently.

[0137] Among them, the geographic information page can be a map page or an image page of remote sensing images. In addition, the geographic information page can also be a page related to geographic information for plot marking, such as a real scene image page of a certain area, etc.

[0138] Step S706, if a marking action input on the geographic information page is detected, determine the plot boundary information corresponding to the marking action.

[0139] Specifically, in the process of determining the plot boundary information corresponding to the marking action, first, according to the marking action input by the target user on the geographic information page, determine the page boundary information corresponding to the marking action on the geographic information page, 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 in the dimension of the geographic information page and the geographical location in the actual geographical area latitude, determine the geographical location boundary information corresponding to the page boundary information as the plot boundary information corresponding to the marking action.

[0140] Step S708, calculate the marked area of the crop plot based on the plot boundary information.

[0141] In this embodiment, the marked area of the crop plot of the target user is calculated through latitude and longitude data. Optionally, in the specific calculation process, first determine the latitude and longitude coordinate data mapped by the plot boundary information, and then based on the latitude and longitude coordinate data, use the area calculation formula to calculate the marked area of the crop plot;

[0142] Among them, the area calculation formula includes: calculate the product of the difference between two adjacent latitude coordinate values and the corresponding longitude coordinate value in the latitude and longitude coordinate data, and sum the products corresponding to all latitude coordinate values in the latitude and longitude coordinate data, and take half of the sum result multiplied by the coordinate conversion constant as the marked area.

[0143] For example, after grower A makes a mark on the map page, the boundary of the crop plot displayed on the map page is as Figure 5 shown. According to the determined plot boundary information of grower A, determine that the latitude and longitude coordinate data of grower A's crop plot is: (x1, y1), (x2, y2), ··· (x n , y n ); then calculate the plot area S of grower A's crop plot according to the following formula:

[0144] Plot area

[0145] Here, 9101160000.085981 in the formula is the coordinate conversion constant.

[0146] Step S710, perform 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.

[0147] In an alternative implementation provided in this embodiment, during the process of performing resource operation processing on the user resources of the target user, in order to improve the user experience of the target user, starting from the credit status of the target user, targeted processing is performed on target users with different credit statuses. The specific implementation is as follows:

[0148] 1) Use the marked area, the plot information, and the user data as model inputs, input them into a credit limit allocation model for credit limit allocation, and output the dedicated credit limit allocated to the target user for the crop plot;

[0149] 2) Read the credit status of the target user;

[0150] 3) If the credit status of the target user is uncredited, perform a credit processing on the target user based on the dedicated credit limit;

[0151] 4) If the credit status of the target user is credited, adjust the initial credit limit of the target user based on the dedicated credit limit;

[0152] 5) If the credit status of the target user is credit used, generate a performance reminder based on the contract information recorded in the crop operation contract participated in by the target user and send it to the target user.

[0153] In another alternative implementation provided in this embodiment, in order to improve the credibility of the user's credit level from the credit dimension, calculate the confidence level of the plot information based on the plot area included in the plot information and the marked area; when the confidence level is greater than the 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.

[0154] The following takes the application of a user resource processing method provided in this embodiment in a guarantee project scenario as an example to further illustrate the user resource processing method provided in this embodiment. See Figure 8 , the user resource processing method applied to the guarantee project scenario specifically includes steps S802 to S818.

[0155] Step S802, obtain 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.

[0156] The guarantee project includes a project that provides guarantee services for the crops growing in the grower's crop plot, and a project that provides guarantee services for the grower's planting production activities or the expected income of the planting production activities. For example, an agricultural insurance project that provides guarantee for the crops growing in the grower's crop plot.

[0157] Step S804, when an application instruction submitted by a grower for the credit application control is obtained, display a map page to the grower.

[0158] Step S806, if a marking action input by the grower on the map page is detected, determine the plot boundary information corresponding to the marking action.

[0159] Step S808, calculate the marked area of the crop plot based on the plot boundary information.

[0160] Step S810, compare the marked area with the plot area included in the plot information.

[0161] 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 recognition model for crop type recognition to obtain the crop type of the crop plot.

[0162] Step S814, 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.

[0163] Step S816, determine the guarantee amount of the grower according to the crop value and the user data.

[0164] Step S818, recommend guarantee items to the grower based on the guarantee amount, or recommend guarantee items to the grower based on the crop type and / or the crop value.

[0165] The following takes the application of a user resource processing method provided in this embodiment in the user resource management scenario as an example to further illustrate the user resource processing method provided in this embodiment. See Figure 9 , the user resource processing method applied to the user resource management scenario specifically includes steps S902 to S918.

[0166] Step S902, obtain the plot coordinate information of the crop plot entered by the grower.

[0167] Step S904, display a geographic information page to the grower.

[0168] Step S906, if a marking action input by the grower on the geographic information page is detected, determine the plot boundary information corresponding to the marking action.

[0169] Step S908, calculate the marked area of the crop plot based on the plot boundary information.

[0170] Step S910, determine the remote sensing image crop plot mapped by the plot coordinate information in the pre-obtained remote sensing image.

[0171] Step S912: Determine the crop type of the crop plot based on the crop types of the image units included in the remotely sensed image crop plot that was pre-identified and stored.

[0172] Step S914: Calculate the crop value of the crop plot based on the labeled area and crop type of the crop plot.

[0173] 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.

[0174] Step S918: Generate a resource management strategy for the crop plot based on the resource conversion value and the resource preferences and / or resource status of the grower.

[0175] It should be noted that, similar to the specific implementation of the above steps S908 to S918, the process of generating a resource management strategy in the user resource management scenario provided by the above steps S908 to S918 can also be replaced by a user resource risk warning process in the user resource management scenario. Specifically, the specific implementation of the user resource risk warning process in the user resource management scenario is as follows:

[0176] 1) Determine the time information corresponding to the plot coordinate information included in the plot information;

[0177] 2) Based on the time information, determine the remotely sensed image crop plot mapped by the plot coordinate information in the pre-acquired remotely sensed image;

[0178] 3) Determine the crop type of the crop plot according to the crop types of the image units included in the remotely sensed image crop plot that was pre-identified and stored;

[0179] 4) Determine the risk level of the crop plot based on the crop type, labeled area, geographical information included in the plot information, and the crop value fluctuation corresponding to the crop type;

[0180] 5) Generate a risk warning prompt based on the risk level and display it to the grower.

[0181] An embodiment of a credit limit processing device provided in this specification is as follows:

[0182] In the above embodiment, a credit limit processing method is provided. Correspondingly, a credit limit processing device is also provided. The following is an explanation with reference to the drawings.

[0183] Refer to Figure 10 , which shows a schematic diagram of a credit limit processing device provided in this embodiment.

[0184] Since the device embodiments correspond to the method embodiments, the descriptions are relatively simple. For relevant parts, please refer to the corresponding descriptions of the method embodiments provided above. The device embodiments described below are merely illustrative.

[0185] This embodiment provides a credit limit processing device, including:

[0186] An information acquisition module 1002, configured to acquire the identity information entered by the target user and the plot information of the crop plot;

[0187] A map page display module 1004, configured to display a map page to the target user;

[0188] A plot boundary information determination module 1006, configured to determine the plot boundary information corresponding to the marking action when detecting a marking action input on the map page;

[0189] A marked area calculation module 1008, configured to calculate the marked area of the crop plot based on the plot boundary information;

[0190] A credit limit determination module 1010, configured to determine the credit limit of the target user according to the marked area, the plot information, and the user data obtained based on the identity information.

[0191] Optionally, the identity information and the plot information are entered after the target user triggers the 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 bound to the target application;

[0192] When detecting an application processing request of the target user for the target application, a trigger control for triggering the credit processing channel is displayed on the application page of the target application, and the target user triggers the credit processing channel by triggering the trigger control.

[0193] Optionally, after detecting that the trigger control is triggered, a 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 entry interface and a credit application control; the identity information and the plot information are entered based on the information entry interface;

[0194] Correspondingly, the map page display module 1004 is specifically configured to display the map page to the target user when obtaining an application instruction submitted by the target user for the credit application control.

[0195] Optionally, the credit application page is configured with a plot management control. If it is detected that the plot management control is triggered, the crop plots of the target user are queried and displayed based on the plot management page; when the return control configured on the plot management page is triggered, the credit application page is returned.

[0196] Optionally, the credit limit processing device further includes:

[0197] A storage module, configured to store the identity information, the plot information, and / or the plot boundary information entered by the target user;

[0198] A time judgment module, configured to, when detecting a secondary application instruction submitted by the target user for the credit application control, judge whether the time span between the submission time of the secondary application instruction and the submission time of the application instruction is greater than a preset time threshold;

[0199] 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, update the identity information and the plot information to the credit application page and display them, and / or update the coordinate identifier corresponding to the plot boundary information to the map page and display it.

[0200] Optionally, the credit limit processing device further includes:

[0201] A positioning data acquisition module, configured to acquire the positioning data of the target user's terminal device;

[0202] A coordinate identifier update module, configured to determine the coordinate information mapped by the positioning data in the map coordinates of the map page, and update the coordinate identifier corresponding to the coordinate information in the map page;

[0203] A plot area calculation module, configured to calculate the plot area of the crop plot based on the positioning data;

[0204] 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.

[0205] Optionally, the credit limit processing device further includes:

[0206] A plot area judgment module, configured to judge whether the plot area included in the plot information is greater than a preset area threshold;

[0207] If so, run the map page display module 1004;

[0208] Otherwise, run the second positioning data acquisition module, the second crop plot boundary information determination module, the second marked area calculation module, and the third credit limit determination module;

[0209] The second positioning data acquisition module is configured to acquire the positioning data of the target user's terminal device;

[0210] The second crop plot boundary information determination module is configured to determine the second crop plot boundary information of the crop plot based on the positioning data;

[0211] The second marked area calculation module is configured to calculate the second marked area of the crop plot based on the second crop plot boundary information;

[0212] The third credit limit determination module is configured to determine the third credit limit of the target user according to the second marked area and the user data.

[0213] Optionally, the marked area calculation module 1008 includes:

[0214] The longitude and latitude coordinate data determination sub-module is configured to determine the longitude and latitude coordinate data mapped by the crop plot boundary information;

[0215] The marked area calculation sub-module is configured to calculate the marked area of the crop plot based on the longitude and latitude coordinate data by using the area calculation formula;

[0216] Wherein, the area calculation formula includes: calculating the product of the difference between two latitude coordinate values adjacent to the latitude coordinate value in the longitude and latitude coordinate data and the corresponding longitude coordinate value, and summing up the products corresponding to all latitude coordinate values in the longitude and latitude coordinate data, and taking half of the summation result multiplied by the coordinate conversion constant as the marked area.

[0217] Optionally, the credit limit determination module 1010 includes:

[0218] The crop plot area comparison sub-module is configured to compare the marked area with the crop plot area included in the crop plot information;

[0219] The first dedicated credit limit determination sub-module is configured to, if the comparison result is that the marked area is less than or equal to the crop plot area, determine the dedicated credit limit according to the marked area and the user data as the credit limit of the target user;

[0220] The second dedicated credit limit determination sub-module is configured to, if the comparison result is that the marked area is greater than the crop plot area, determine the dedicated credit limit according to the crop plot area and the user data as the credit limit of the target user.

[0221] Optionally, the first dedicated credit limit determination sub-module is specifically configured to use the marked area and the user data as model inputs, input them into a credit limit allocation model for credit limit allocation, and output the credit limit allocated to the target user for the crop plot as the dedicated credit limit.

[0222] Optionally, the credit limit processing device further includes:

[0223] A crop type determination module, configured to input the plot boundary information and the corresponding time information into a crop recognition model for crop type recognition to obtain the crop type of the crop plot;

[0224] 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;

[0225] A fourth credit limit determination module, configured to determine the fourth credit limit of the target user according to the crop value and the user data.

[0226] Optionally, the credit limit processing device further includes:

[0227] A credit status reading module, configured to read the credit status of the target user;

[0228] A first credit processing module, configured to perform credit processing on the target user based on the credit limit if the credit status of the target user is uncredited;

[0229] A second credit processing module, configured to adjust the initial credit limit of the target user based on the credit limit if the credit status of the target user is credited;

[0230] A third credit processing module, configured to generate a performance reminder and send it to the target user based on the contract information recorded in the crop operation contract participated in by the target user if the credit status of the target user is credit used.

[0231] An embodiment of a user resource processing device provided in the specification is as follows:

[0232] In the above embodiment, a user resource processing method is provided. Correspondingly, a user resource processing device is also provided, which will be described below with reference to the accompanying drawings.

[0233] Refer to Figure 11 , which shows a schematic diagram of a user resource processing device provided in this embodiment.

[0234] Since the device embodiments correspond to the method embodiments, they are described relatively simply. For the relevant parts, please refer to the corresponding descriptions of the method embodiments provided above. The device embodiments described below are merely illustrative.

[0235] This embodiment provides a user resource processing device, including:

[0236] A plot information acquisition module 1102, configured to acquire plot information of a crop plot input by a target user;

[0237] A geographic information page display module 1104, configured to display a geographic information page to the target user;

[0238] A plot boundary information determination module 1106, configured to determine plot boundary information corresponding to the annotation action in the case of detecting an annotation action input on the geographic information page;

[0239] An annotation area calculation module 1108, configured to calculate the annotation area of the crop plot based on the plot boundary information;

[0240] A resource operation processing module 1110, configured to perform resource operation processing on the user resources of the target user according to the plot information, the annotation area, and the user data of the target user.

[0241] Optionally, the resource operation processing module 1110 includes:

[0242] A dedicated credit limit determination sub-module, configured to use the annotation area, the plot information, and the user data as model inputs, input them into a credit limit allocation model for credit limit allocation, and output a dedicated credit limit allocated to the target user for the crop plot;

[0243] A credit status reading sub-module, configured to read the credit status of the target user;

[0244] A first credit processing sub-module, configured to perform credit processing on the target user based on the dedicated credit limit if the credit status of the target user is uncredited;

[0245] A second credit processing sub-module, configured to adjust the initial credit limit of the target user based on the dedicated credit limit if the credit status of the target user is credited;

[0246] A third credit processing sub-module, configured to generate a performance reminder and send it to the target user based on the contract information recorded in the crop operation contract participated in by the target user if the credit status of the target user is credit used.

[0247] Optionally, the resource operation processing module 1110 includes:

[0248] A confidence calculation sub-module, configured to calculate the confidence of the plot information based on the plot area and the marked area included in the plot information;

[0249] A credit rating update sub-module, configured to update the credit rating of the target user based on the confidence and the credit data included in the user data when the confidence is greater than a preset confidence threshold.

[0250] Optionally, the resource operation processing module 1110 includes:

[0251] 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;

[0252] A crop type determination sub-module, configured to determine the crop type of the crop plot according to the crop types of the image units included in the pre-identified and stored remote sensing image crop plot;

[0253] A crop value calculation sub-module, configured to calculate the crop value of the crop plot based on the marked area and the crop type;

[0254] A resource conversion value calculation sub-module, configured to 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;

[0255] A resource management strategy generation sub-module, configured to generate a resource management strategy for the crop plot based on the resource conversion value and the resource preference and / or resource status of the target user.

[0256] Optionally, the resource operation processing module 1110 includes:

[0257] A time information determination sub-module, configured to determine the time information corresponding to the plot coordinate information included in the plot information;

[0258] A second 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 based on the time information;

[0259] A second crop type determination sub-module, configured to determine the crop type of the crop plot according to the crop types of the image units included in the pre-identified and stored remote sensing image crop plot;

[0260] A risk level determination sub-module, configured to determine the risk level of the crop plot based on the crop type, the marked area, the regional information included in the plot information, and the crop value fluctuation corresponding to the crop type;

[0261] A risk warning prompt display sub-module, configured to generate a risk warning prompt based on the risk level and display it to the target user.

[0262] Optionally, the resource operation processing module 1110 includes:

[0263] A crop type identification sub-module, configured to input the plot boundary information and the corresponding time information into a crop identification model for crop type identification, and obtain the crop type of the crop plot;

[0264] A second crop value calculation sub-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;

[0265] A guarantee amount determination sub-module, configured to determine the guarantee amount of the target user according to the crop value and the user data.

[0266] Optionally, the marked area calculation module 1108 includes:

[0267] A longitude and latitude coordinate data determination sub-module, configured to determine the longitude and latitude coordinate data mapped by the plot boundary information;

[0268] A marked area calculation sub-module, configured to calculate the marked area of the crop plot based on the longitude and latitude coordinate data by using an area calculation formula;

[0269] Wherein, the area calculation formula includes: calculating the product of the difference between two latitude coordinate values adjacent to the latitude coordinate value in the longitude and latitude coordinate data and the corresponding longitude coordinate value, and summing the products corresponding to all latitude coordinate values in the longitude and latitude coordinate data, and taking half of the summation result multiplied by the coordinate conversion constant as the marked area.

[0270] An embodiment of a credit limit processing device provided in this specification is as follows:

[0271] Corresponding to the above-described credit limit processing method, based on the same technical concept, one or more embodiments of this specification also provide a credit limit processing device, which is used to execute the above-provided credit limit processing method. Figure 12 It is a structural schematic diagram of a credit limit processing device provided by one or more embodiments of this specification.

[0272] A credit limit processing device provided in this embodiment includes:

[0273] As Figure 12 shown, the credit limit processing device may vary greatly due to configuration or performance, and may include one or more processors 1201 and a memory 1202. One or more application programs or data may be stored in the memory 1202. Among them, the memory 1202 may be transient storage or persistent storage. The application programs stored in the memory 1202 may include one or more modules (not shown in the figure), and each module may include a series of computer-executable instructions in the credit limit processing device. Further, the processor 1201 may be set to communicate with the memory 1202 and execute a series of computer-executable instructions in the memory 1202 on the credit limit processing device. The credit limit processing device may also include one or more power supplies 1203, one or more wired or wireless network interfaces 1204, one or more input / output interfaces 1205, one or more keyboards 1206, etc.

[0274] In a specific embodiment, the credit limit processing device includes a memory and one or more programs, where one or more programs are stored in the memory, and one or more programs may include one or more modules, and each module may include a series of computer-executable instructions in the credit limit processing device, and is configured to be executed by one or more processors. The one or more programs include the following computer-executable instructions:

[0275] Obtain the identity information entered by the target user and the plot information of the crop plot;

[0276] Display a map page to the target user;

[0277] If a marking action input on the map page is detected, determine the plot boundary information corresponding to the marking action;

[0278] Calculate the marked area of the crop plot based on the plot boundary information;

[0279] Determine the credit limit of the target user according to the marked area, the plot information, and the user data obtained based on the identity information.

[0280] Optionally, the identity information and the plot information are entered after the target user triggers the 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 bound to the target application;

[0281] When a processing request of the target user for the target application is detected, a trigger control for the credit-granting processing channel is displayed based on the application page of the target application, and the target user triggers the credit-granting processing channel by triggering the trigger control.

[0282] Optionally, after detecting that the trigger control is triggered, a credit application page of the credit-granting processing channel under the target application is displayed to the target user; wherein, the credit application page is configured with an information entry interface and a credit application control; the identity information and the plot information are entered based on the information entry interface;

[0283] Correspondingly, the step of displaying the map page to the target user includes:

[0284] When an application instruction submitted by the target user for the credit application control is obtained, the map page is displayed to the target user.

[0285] Optionally, the credit application page is configured with a plot management control. If it is detected that the plot management control is triggered, the crop plots of the target user are queried and displayed based on the plot management page; when the return control configured on the plot management page is triggered, the credit application page is returned.

[0286] Optionally, when the computer-executable instructions are executed, it further includes:

[0287] Storing the identity information, the plot information, and / or the plot boundary information entered by the target user;

[0288] When a secondary application instruction submitted by the target user for the credit application control is detected, it is judged whether the time span between the submission time of the secondary application instruction and the submission time of the application instruction is greater than a preset time threshold;

[0289] If so, the stored identity information, the plot information, and / or the plot boundary information are read, and the identity information and the plot information are updated to the credit application page and displayed, and / or, the coordinate identifiers corresponding to the plot boundary information are updated to the map page and displayed.

[0290] Optionally, when the computer-executable instructions are executed, after the instruction of displaying the map page to the target user is executed, it further includes:

[0291] Obtaining the positioning data of the terminal device of the target user;

[0292] Determine the coordinate information mapped by the positioning data in the map coordinates to which the map page belongs, and update the coordinate identifier corresponding to the coordinate information on the map page;

[0293] Calculate the plot area of the crop plot based on the positioning data;

[0294] Determine the second credit limit of the target user according to the plot area, the plot information, and the user data.

[0295] Optionally, when the computer-executable instructions are executed, after the instruction of obtaining the identity information entered by the target user after triggering the credit processing channel and the plot information of the crop plot, it further includes:

[0296] Judge whether the plot area included in the plot information is greater than a preset area threshold;

[0297] If so, execute the step of displaying the map page to the target user;

[0298] If not, obtain the positioning data of the target user's terminal device;

[0299] Determine the second plot boundary information of the crop plot based on the positioning data;

[0300] Calculate the second marked area of the crop plot based on the second plot boundary information;

[0301] Determine the third credit limit of the target user according to the second marked area and the user data.

[0302] Optionally, the calculating the marked area of the crop plot based on the plot boundary information includes:

[0303] Determine the longitude and latitude coordinate data mapped by the plot boundary information;

[0304] Based on the longitude and latitude coordinate data, use the area calculation formula to calculate the marked area of the crop plot;

[0305] Wherein, the area calculation formula includes: calculating the product of the difference between two latitude coordinate values adjacent to the latitude coordinate value in the longitude and latitude coordinate data and the corresponding longitude coordinate value, and summing the products corresponding to all latitude coordinate values in the longitude and latitude coordinate data, and taking half of the summation result multiplied by the coordinate conversion constant as the marked area.

[0306] Optionally, the determining the credit limit of the target user according to the marked area, the plot information, and the user data obtained based on the identity information includes:

[0307] Compare the marked area with the plot area included in the plot information;

[0308] If the comparison result is that the marked area is less than or equal to the plot area, determine a dedicated credit limit based on the marked area and the user data, and use it as the credit limit for the target user;

[0309] If the comparison result is that the marked area is greater than the plot area, determine a dedicated credit limit based on the plot area and the user data, and use it as the credit limit for the target user.

[0310] Optionally, the step of determining a dedicated credit limit based on the marked area and the user data and using it as the credit limit for the target user includes:

[0311] Use the marked area and the user data as model inputs, input them into a credit limit allocation model for credit limit allocation, and output the credit limit allocated to the target user for the crop plot as the dedicated credit limit.

[0312] Optionally, when the computer-executable instructions are executed, it further includes:

[0313] Input the plot boundary information and the corresponding time information into a crop recognition model to identify the crop type, and obtain the crop type of the crop plot;

[0314] 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;

[0315] Determine the fourth credit limit of the target user according to the crop value and the user data.

[0316] Optionally, when the computer-executable instructions are executed, after the step of determining the credit limit of the target user according to the marked area, the plot information, and the user data obtained based on the identity information, it further includes:

[0317] Read the credit status of the target user;

[0318] If the credit status of the target user is uncredited, conduct a credit processing for the target user based on the credit limit;

[0319] If the credit status of the target user is credited, adjust the initial credit limit of the target user based on the credit limit;

[0320] If the credit status of the target user is credit used, generate a performance reminder based on the contract information recorded in the crop operation contract participated by the target user and send it to the target user.

[0321] An embodiment of a user resource processing device provided in this specification is as follows:

[0322] Corresponding to the above-described user resource processing method, based on the same technical concept, one or more embodiments of this specification also provide a user resource processing device, and this user resource processing device is used to execute the user resource processing method provided above. Figure 13 It is a schematic structural diagram of a user resource processing device provided by one or more embodiments of this specification.

[0323] A user resource processing device provided in this embodiment includes:

[0324] As Figure 13 shown, the user resource processing device may have relatively large differences due to configuration or performance, and may include one or more processors 1201 and a memory 1202. One or more application programs or data may be stored in the memory 1202. Among them, the memory 1202 may be transient storage or persistent storage. The application programs stored in the memory 1202 may include one or more modules (not shown in the figure), and each module may include a series of computer-executable instructions in the user resource processing device. Further, the processor 1201 may be configured to communicate with the memory 1202 and execute a series of computer-executable instructions in the memory 1202 on the user resource processing device. The user resource processing device may also include one or more power supplies 1203, one or more wired or wireless network interfaces 1204, one or more input / output interfaces 1205, one or more keyboards 1206, etc.

[0325] In a specific embodiment, the user resource processing device includes a memory and one or more programs, where one or more programs are stored in the memory, and one or more programs may include one or more modules, and each module may include a series of computer-executable instructions in the user resource processing device, and is configured to be executed by one or more processors. The one or more programs include the following computer-executable instructions:

[0326] Obtain the plot information of the crop plot entered by the target user;

[0327] Display a geographic information page to the target user;

[0328] If a marking action input on the geographic information page is detected, determine the plot boundary information corresponding to the marking action;

[0329] Calculate the marked area of the crop plot based on the plot boundary information;

[0330] Perform 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.

[0331] Optionally, the 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:

[0332] Take the marked area, the plot information, and the user data as model inputs, input them into a credit limit allocation model for credit limit allocation, and output the dedicated credit limit allocated to the target user for the crop plot;

[0333] Read the credit status of the target user;

[0334] If the credit status of the target user is uncredited, perform a credit granting process on the target user based on the dedicated credit limit;

[0335] If the credit status of the target user is already credited, adjust the initial credit limit of the target user based on the dedicated credit limit;

[0336] If the credit status of the target user is that the credit has been used, generate a performance reminder based on the contract information recorded in the crop operation contract participated in by the target user and send it to the target user.

[0337] Optionally, the 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:

[0338] Calculate the confidence level of the plot information based on the plot area included in the plot information and the marked area;

[0339] In the case where the confidence level is greater than a preset confidence threshold, update the credit rating of the target user based on the confidence level and the credit data included in the user data.

[0340] Optionally, the 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:

[0341] Determine the remote sensing image crop plot mapped by the plot coordinate information in the pre-acquired remote sensing image;

[0342] Determine the crop type of the crop plot according to the crop types of the image units included in the pre-identified and stored remote sensing image crop plot;

[0343] Calculate the crop value of the crop plot based on the marked area and the crop type;

[0344] 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;

[0345] Generate a resource management strategy for the crop plot based on the resource conversion value and the resource preference and / or resource status of the target user.

[0346] Optionally, the resource operation processing of the user resources of the target user according to the plot information, the marked area, and the user data of the target user includes:

[0347] Determine the time information corresponding to the plot coordinate information included in the plot information;

[0348] Based on the time information, determine the remote sensing image crop plot mapped by the plot coordinate information in the pre-acquired remote sensing image;

[0349] Determine the crop type of the crop plot according to the crop types of the image units included in the pre-identified and stored remote sensing image crop plot;

[0350] Based on the crop type, the marked area, the geographical information included in the plot information, and the crop value fluctuation corresponding to the crop type, determine the risk level of the crop plot;

[0351] Generate a risk warning prompt based on the risk level and display it to the target user.

[0352] Optionally, the resource operation processing of the user resources of the target user according to the plot information, the marked area, and the user data of the target user includes:

[0353] Input the plot boundary information and the corresponding time information into a crop recognition model for crop type recognition to obtain the crop type of the crop plot;

[0354] 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;

[0355] Determine the guarantee amount of the target user according to the crop value and the user data.

[0356] Optionally, the calculation of the marked area of the crop plot based on the plot boundary information includes:

[0357] Determine the longitude and latitude coordinate data mapped by the plot boundary information;

[0358] Based on the longitude and latitude coordinate data, calculate the marked area of the crop plot using the area calculation formula;

[0359] Among them, the area calculation formula includes: calculating the product of the difference between two latitude coordinate values adjacent to the latitude coordinate value in the longitude and latitude coordinate data and the corresponding longitude coordinate value, and summing up the products corresponding to all latitude coordinate values in the longitude and latitude coordinate data. Taking half of the summation result and multiplying it by the coordinate conversion constant as the marked area.

[0360] An embodiment of a storage medium provided in this specification is as follows:

[0361] Corresponding to the above-described method for processing credit limits, based on the same technical concept, one or more embodiments of this specification also provide a storage medium.

[0362] 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:

[0363] Obtain the identity information entered by the target user and the plot information of the crop plot;

[0364] Display a map page to the target user;

[0365] If a marking action input on the map page is detected, determine the plot boundary information corresponding to the marking action;

[0366] Calculate the marked area of the crop plot based on the plot boundary information;

[0367] Determine the credit limit of the target user according to the marked area, the plot information, and the user data obtained based on the identity information.

[0368] Optionally, the identity information and the plot information are entered after the target user triggers the 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 bound to the target application;

[0369] In the case of detecting an application processing request of the target user for the target application, display a trigger control for the credit processing channel on the application page of the target application, and the target user triggers the credit processing channel by triggering the trigger control.

[0370] Optionally, after detecting that the trigger control is triggered, display a credit application page of the credit processing channel under the target application to the target user; among them, the credit application page is configured with an information entry interface and a credit application control; the identity information and the plot information are entered based on the information entry interface;

[0371] Correspondingly, presenting the map page to the target user includes:

[0372] Presenting the map page to the target user when an application instruction submitted by the target user for the credit application control is obtained.

[0373] Optionally, the credit application page is configured with a plot management control. If it is detected that the plot management control is triggered, the crop plots of the target user are queried and presented based on the plot management page; when the return control configured on the plot management page is triggered, the credit application page is returned.

[0374] Optionally, when the computer-executable instruction is executed, the following process is further implemented:

[0375] Storing the identity information, the plot information, and / or the plot boundary information entered by the target user;

[0376] When it is detected that the target user submits a secondary application instruction for the credit application control, determining whether the time span between the submission time of the secondary application instruction and the submission time of the application instruction is greater than a preset time threshold;

[0377] If so, reading the stored identity information, plot information, and / or plot boundary information, and updating and presenting the identity information and the plot information to the credit application page, and / or updating and presenting the coordinate identifier corresponding to the plot boundary information to the map page.

[0378] Optionally, after the process of presenting the map page to the target user is executed, when the computer-executable instruction is executed, the following process is further implemented:

[0379] Obtaining the positioning data of the terminal device of the target user;

[0380] Determining the coordinate information mapped by the positioning data in the map coordinates of the map page, and updating the coordinate identifier corresponding to the coordinate information in the map page;

[0381] Calculating the plot area of the crop plot based on the positioning data;

[0382] Determining the second credit limit of the target user according to the plot area, the plot information, and the user data.

[0383] Optionally, after obtaining the identity information entered by the target user after triggering the credit granting processing channel, and after the process of the plot information of the crop plot is executed, the computer-executable instructions further implement the following process when executed:

[0384] Determine whether the plot area included in the plot information is greater than a preset area threshold;

[0385] If so, execute the step of presenting the map page to the target user;

[0386] If not, obtain the positioning data of the target user's terminal device;

[0387] Determine the second plot boundary information of the crop plot based on the positioning data;

[0388] Calculate the second marked area of the crop plot based on the second plot boundary information;

[0389] Determine the third credit limit of the target user according to the second marked area and the user data.

[0390] Optionally, the calculating the marked area of the crop plot based on the plot boundary information includes:

[0391] Determine the longitude and latitude coordinate data mapped by the plot boundary information;

[0392] Based on the longitude and latitude coordinate data, calculate the marked area of the crop plot using an area calculation formula;

[0393] Wherein, the area calculation formula includes: calculating the product of the difference between two latitude coordinate values adjacent to the latitude coordinate value in the longitude and latitude coordinate data and the corresponding longitude coordinate value, and summing the products corresponding to all latitude coordinate values in the longitude and latitude coordinate data, and taking half of the summation result multiplied by the coordinate conversion constant as the marked area.

[0394] Optionally, the determining the credit limit of the target user according to the marked area, the plot information, and the user data obtained based on the identity information includes:

[0395] Compare the marked area with the plot area included in the plot information;

[0396] If the comparison result is that the marked area is less than or equal to the plot area, determine a dedicated credit limit according to the marked area and the user data as the credit limit of the target user;

[0397] If the comparison result shows that the marked area is greater than the area of the plot, determine a dedicated credit limit based on the area of the plot and the user data, and use it as the credit limit for the target user.

[0398] Optionally, the step of determining a dedicated credit limit based on the marked area and the user data and using it as the credit limit for the target user includes:

[0399] Take the marked area and the user data as model inputs, input them into a credit limit allocation model for credit limit allocation, and output the credit limit allocated to the target user for the crop plot as the dedicated credit limit.

[0400] Optionally, when the computer-executable instructions are executed, the following process is also implemented:

[0401] Input the plot boundary information and the corresponding time information into a crop recognition model to identify the crop type of the crop plot, and obtain the crop type of the crop plot.

[0402] Based on the crop type, the marked area, and the crop attributes corresponding to the crop type, calculate the crop value of the crop plot.

[0403] Determine the fourth credit limit for the target user according to the crop value and the user data.

[0404] Optionally, after the process of determining the credit limit for the target user according to the marked area, the plot information, and the user data obtained based on the identity information is executed, when the computer-executable instructions are executed, the following process is also implemented:

[0405] Read the credit status of the target user.

[0406] If the credit status of the target user is uncredited, conduct a credit processing for the target user based on the credit limit.

[0407] If the credit status of the target user is already credited, adjust the initial credit limit of the target user based on the credit limit.

[0408] If the credit status of the target user is that the credit has been used, generate a performance reminder based on the contract information recorded in the crop operation contract participated in by the target user and send it to the target user.

[0409] It should be noted that the embodiment of the storage medium in this specification and the embodiment of the credit limit processing method in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can refer to the implementation of the corresponding method described above, and the repeated parts will not be elaborated.

[0410] An embodiment of the storage medium provided in this specification is as follows:

[0411] Corresponding to the above-described user resource processing method, based on the same technical concept, one or more embodiments of this specification also provide a storage medium.

[0412] 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:

[0413] Obtain the plot information of the crop plot entered by the target user;

[0414] Display a geographic information page to the target user;

[0415] If a marking action input on the geographic information page is detected, determine the plot boundary information corresponding to the marking action;

[0416] Calculate the marked area of the crop plot based on the plot boundary information;

[0417] Perform 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.

[0418] Optionally, the 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:

[0419] Use the marked area, the plot information, and the user data as model inputs, input them into a credit limit allocation model for credit limit allocation, and output the dedicated credit limit allocated to the target user for the crop plot;

[0420] Read the credit status of the target user;

[0421] If the credit status of the target user is uncredited, perform a credit processing on the target user based on the dedicated credit limit;

[0422] If the credit status of the target user is credited, adjust the initial credit limit of the target user based on the dedicated credit limit;

[0423] If the credit status of the target user is credit used, generate a performance reminder based on the contract information recorded in the crop operation contract participated in by the target user and send it to the target user.

[0424] Optionally, the 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:

[0425] Calculate the confidence level of the plot information based on the plot area included in the plot information and the marked area;

[0426] When the confidence level is greater than the preset confidence threshold, update the credit rating of the target user based on the confidence level and the credit data included in the user data.

[0427] Optionally, the resource operation processing of the user resources of the target user according to the plot information, the marked area, and the user data of the target user includes:

[0428] Determine the remote sensing image crop plot mapped by the plot coordinate information in the pre-acquired remote sensing image;

[0429] Determine the crop type of the crop plot according to the crop types of the image units included in the pre-identified and stored remote sensing image crop plot;

[0430] Calculate the crop value of the crop plot based on the marked area and the crop type;

[0431] 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;

[0432] Generate a resource management strategy for the crop plot based on the resource conversion value and the resource preference and / or resource status of the target user.

[0433] Optionally, the resource operation processing of the user resources of the target user according to the plot information, the marked area, and the user data of the target user includes:

[0434] Determine the time information corresponding to the plot coordinate information included in the plot information;

[0435] Based on the time information, determine the remote sensing image crop plot mapped by the plot coordinate information in the pre-acquired remote sensing image;

[0436] Determine the crop type of the crop plot according to the crop types of the image units included in the pre-identified and stored remote sensing image crop plot;

[0437] Determine the risk level of the crop plot based on the crop type, the marked area, the regional information included in the plot information, and the crop value fluctuation corresponding to the crop type;

[0438] Generate a risk warning prompt based on the risk level and display it to the target user.

[0439] Optionally, the resource operation processing of the user resources of the target user according to the plot information, the marked area, and the user data of the target user includes:

[0440] Input the plot boundary information and the corresponding time information into a crop recognition model to identify the crop variety, and obtain the crop variety of the crop plot;

[0441] Based on the crop variety, the marked area, and the crop attributes corresponding to the crop variety, calculate the crop value of the crop plot;

[0442] Determine the guarantee amount of the target user according to the crop value and the user data.

[0443] Optionally, the calculation of the marked area of the crop plot based on the plot boundary information includes:

[0444] Determine the longitude and latitude coordinate data mapped by the plot boundary information;

[0445] Based on the longitude and latitude coordinate data, use the area calculation formula to calculate the marked area of the crop plot;

[0446] Wherein, the area calculation formula includes: calculating the product of the difference between two adjacent latitude coordinate values adjacent to the latitude coordinate value in the longitude and latitude coordinate data and the corresponding longitude coordinate value, and summing the products corresponding to all latitude coordinate values in the longitude and latitude coordinate data, and taking half of the summation result multiplied by the coordinate conversion constant as the marked area.

[0447] It should be noted that the embodiments of the storage medium in this specification and the embodiments of the user resource processing method in this specification are based on the same inventive concept. Therefore, the specific implementation of this embodiment can refer to the implementation of the corresponding method described above, and the repeated parts will not be elaborated.

[0448] The specific embodiments of this specification are described above. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recited in the claims can be performed in a different order than in the embodiments and still achieve the desired result. Additionally, the processes depicted in the figures do not necessarily require the particular order or sequential order shown to achieve the desired result. In certain embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0449] In the 1930s, it was obvious to distinguish whether an improvement to a technology was a hardware improvement (e.g., improvement to circuit structures such as diodes, transistors, switches, etc.) or a software improvement (improvement to method flows). However, with the development of technology, many method flow improvements today can be regarded as direct improvements to hardware circuit structures. Almost all designers obtain the corresponding hardware circuit structure by programming the improved method flow into the hardware circuit. Therefore, it cannot be said that an improvement to a method flow cannot be implemented with a hardware entity module. For example, a Programmable Logic Device (PLD) (e.g., a Field Programmable Gate Array (FPGA)) is such an integrated circuit whose logical function is determined by the user programming the device. Designers can program by themselves to "integrate" a digital system on a piece of PLD without having to ask a chip manufacturer to design and fabricate a dedicated integrated circuit chip. Moreover, nowadays, instead of manually fabricating integrated circuit chips, this programming is mostly implemented using "logic compiler" software, which is similar to the software compiler used in program development and writing. The original code before compilation also has to be written in a specific programming language, which is called a Hardware Description Language (HDL), and there is not only one kind of HDL, but many kinds, such as ABEL (Advanced Boolean Expression Language), AHDL (Altera Hardware Description Language), Confluence, CUPL (Cornell University Programming Language), HDCal, JHDL (Java Hardware Description Language), Lava, Lola, MyHDL, PALASM, RHDL (Ruby Hardware Description Language), etc. Currently, the most commonly used are VHDL (Very-High-Speed Integrated Circuit Hardware Description Language) and Verilog. Those skilled in the art should also be clear that as long as the method flow is slightly logically programmed with the above-mentioned several hardware description languages and programmed into the integrated circuit, it is easy to obtain the hardware circuit that implements the logical method flow.

[0450] The controller can be implemented in any suitable manner. For example, the controller can take the form of, for example, a microprocessor or a processor and a computer-readable medium storing computer-readable program code (such as software or firmware) executable by the (micro)processor, logic gates, switches, an application specific integrated circuit (ASIC), a programmable logic controller, and an embedded microcontroller. Examples of the controller include, but are not limited to, the following microcontrollers: ARC625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320. The memory controller can also be implemented as part of the control logic of the memory. Those skilled in the art also know that, in addition to implementing the controller in the form of pure computer-readable program code, it is entirely possible to make the controller implement the same function in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, and embedded microcontrollers by logically programming the method steps. Therefore, such a controller can be considered a hardware component, and the devices included therein for implementing various functions can also be regarded as the structures within the hardware component. Or even, the devices for implementing various functions can be regarded as either software modules for implementing the method or the structures within the hardware component.

[0451] The systems, devices, modules, or units illustrated in the above embodiments can be specifically implemented by computer chips or entities, or by products with certain functions. A typical implementation device is a computer. Specifically, the computer can be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or any combination of these devices.

[0452] For the convenience of description, when describing the above devices, they are described separately as various units according to their functions. Of course, when implementing the embodiments of this specification, the functions of each unit can be implemented in the same or multiple software and / or hardware.

[0453] Those skilled in the art should understand that one or more embodiments of this specification can be provided as a method, a system, or a computer program product. Therefore, one or more embodiments of this specification can take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Moreover, this specification can take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk memories, CD-ROMs, optical memories, etc.) containing computer-usable program code.

[0454] This specification is described with reference to the flowcharts and / or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the specification. It should be understood that each flow and / or block in the flowcharts and / or block diagrams, and combinations of flows and / or blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to the processors of general-purpose computers, special-purpose computers, embedded processors, or other programmable data processing devices to produce a machine, such that the instructions executed by the processors of the computer or other programmable data processing devices generate means for implementing the functions specified in one or more of the flows Figure 1 one or more of the flows and / or blocks Figure 1 or means for implementing the functions specified in one or more of the blocks.

[0455] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to operate in a particular manner, such that the instructions stored in the computer-readable memory produce a manufacture including instruction means that implement the functions specified in one or more of the flows Figure 1 one or more of the flows and / or blocks Figure 1 or means for implementing the functions specified in one or more of the blocks.

[0456] These computer program instructions can also be loaded onto a computer or other programmable data processing device, such that a series of operational steps are performed on the computer or other programmable device to produce a computer-implemented process, and thus the instructions executed on the computer or other programmable device provide steps for implementing the functions specified in one or more of the flows Figure 1 one or more of the flows and / or blocks Figure 1 or means for implementing the functions specified in one or more of the blocks.

[0457] In a typical configuration, a computing device includes one or more processors (CPUs), an input / output interface, a network interface, and memory.

[0458] The memory may include non-permanent memory in the form of computer-readable media, random access memory (RAM), and / or non-volatile memory, such as read-only memory (ROM) or flash memory. The memory is an example of computer-readable media.

[0459] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules 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 disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0460] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0461] One or more embodiments of the present specification may be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. One or more embodiments of the present specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules may be located in local and remote computer storage media, including storage devices.

[0462] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0463] The above are only examples of this document and are not intended to limit this document. For those skilled in the art, various changes and modifications can be made to this document. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principle of this document shall be included within the scope of the claims of this document.

Claims

1. A credit limit processing method, comprising: Obtaining the plot area of the crop plot entered by the target user through the credit processing channel; If the plot area is greater than a preset area threshold, presenting a map page to the target user. If a marking action input on the map page is detected, determining the plot boundary information corresponding to the marking action, and calculating the marked area of the crop plot based on the plot boundary information; If the plot area is less than or equal to the preset area threshold, obtaining the positioning data of the target user's terminal device, determining the second plot boundary information of the crop plot based on the positioning data, and calculating the second marked area of the crop plot based on the second plot boundary information as the marked area; Comparing the marked area and the plot area, and selecting the corresponding one of the two based on the comparison result to determine the credit limit of the target user in combination with the application usage data.

2. The credit limit processing method according to claim 1, after the step of obtaining the plot area of the crop plot entered by the target user through the credit processing channel and before the step of presenting the map page to the target user, further comprising: Judging whether the plot area is greater than a preset area threshold; If so, executing the step of presenting the map page to the target user; If not, determining the second plot boundary information of the crop plot based on the positioning data, and calculating the second marked area of the crop plot according to the second plot boundary information; Calculating the confidence level of the plot area based on the plot area and the second marked area, and updating the credit rating of the target user based on the confidence level and the credit data included in the user data; Or, determining the third credit limit of the target user according to the second marked area and the user data.

3. The credit limit processing method according to claim 1, the credit processing channel is open to the target users recorded in the preset user list, and the credit processing channel is bound to the target application; When a application processing request of the target user for the target application is detected, presenting a trigger control of the credit processing channel on the application page of the target application, and the target user triggers the credit processing channel by triggering the trigger control.

4. The credit limit processing method according to claim 3, after detecting that the trigger control is triggered, display a credit application page of the credit processing channel under the target application to the target user; wherein, The credit application page is configured with an information entry interface and a credit application control; Correspondingly, presenting the map page to the target user includes: When an application instruction submitted by the target user for the credit application control is obtained, presenting the map page to the target user.

5. The credit limit processing method according to claim 1, after the step of presenting the map page to the target user, further comprising: Obtaining the positioning data of the target user's terminal device; Determining the coordinate information mapped by the positioning data in the map coordinates of the map page, and updating the coordinate identifier corresponding to the coordinate information on the map page; Calculating the plot area of the crop plot based on the positioning data; Determining the second credit limit of the target user according to the plot area, plot information and user data.

6. The credit limit processing method according to claim 1 further includes: Inputting the plot boundary information and the corresponding time information into a crop recognition model to identify the crop variety, and obtaining the crop variety of the crop plot; Calculating the crop value of the crop plot based on the crop variety, the marked area, and the crop attributes corresponding to the crop variety; Determining the fourth credit limit of the target user according to the crop value and the user data.

7. After the step of determining the credit limit of the target user according to the plot area and the application usage data if the marked area is greater than the plot area in the credit limit processing method according to claim 1, the method further includes: Reading the credit status of the target user; If the credit status is uncredited, performing a credit processing on the target user based on the credit limit; If the credit status is credited, adjusting the initial credit limit of the target user based on the credit limit; If the credit status is credit used, generating a performance reminder based on the contract information recorded in the crop operation contract participated in and signed by the target user, and sending it to the target user.

8. A credit limit processing method includes: Obtaining the plot area of the crop plot input by the target user through the credit processing channel; Determining the plot boundary information of the crop plot based on the positioning data, and calculating the marked area of the crop plot according to the plot boundary information; Calculating the confidence level of the plot area based on the plot area and the marked area; When the confidence level is greater than the preset confidence threshold, updating the credit rating of the target user based on the confidence level and the credit data included in the user data.

9. In the credit limit processing method according to claim 8, the credit processing channel is open to the target users recorded in the preset user list, and the credit processing channel is bound to the target application; When detecting an application processing request of the target user for the target application, displaying a trigger control of the credit processing channel on the application page of the target application, and the target user triggers the credit processing channel by triggering the trigger control.

10. The credit limit processing method according to claim 8 further includes: Inputting the plot boundary information and the corresponding time information into a crop recognition model to identify the crop variety, and obtaining the crop variety of the crop plot; Calculating the crop value of the crop plot based on the crop variety, the marked area, and the crop attributes corresponding to the crop variety; Determining the credit limit of the target user according to the crop value and the user data.

11. A credit limit processing method includes: Obtaining the plot area of the crop plot input by the grower after triggering the credit processing channel on the project page of the farmer assistance loan project; If the area of the plot is greater than a preset area threshold, display a map page to the grower. If a marking action input by the grower on the map page is detected, determine the first plot boundary information corresponding to the marking action, and calculate the first marked area of the crop plot based on the first plot boundary information as the marked area; If the area of the plot is less than or equal to the preset area threshold, obtain the positioning data of the grower's terminal device, determine the second plot boundary information of the crop plot based on the positioning data, and calculate the second marked area of the crop plot based on the second plot boundary information as the marked area; Compare the marked area and the plot area, and select the corresponding one of the two according to the comparison result to determine a dedicated credit limit with the grower's user data.

12. The credit limit processing method according to claim 11 further includes: If the marked area is greater than the plot area, determine a second dedicated credit limit according to the plot area and the user data.

13. The credit limit processing method according to claim 11, after the step of determining a dedicated credit limit according to the marked area and the grower's user data if the marked area is less than or equal to the plot area included in the plot information, further includes: Read the credit status of the grower; If the credit status is uncredited, perform a credit processing on the grower based on the dedicated credit limit; If the credit status is credited, adjust the initial credit limit of the grower based on the dedicated credit limit; If the credit status is credit used, generate a performance reminder and send it to the grower based on the contract information recorded in the agricultural assistance operation loan contract of the agricultural assistance loan project participated in by the grower.

14. A user resource processing method includes: Obtain the area of the crop plot entered by the grower after triggering the credit processing channel on the project page of the guarantee project, and display a map page to the grower; If a marking action input by the grower on the map page is detected, determine the plot boundary information corresponding to the marking action, and calculate the marked area of the crop plot based on the plot boundary information; If the marked area is less than or equal to the plot area, input the plot boundary information and the corresponding time information into a crop recognition model for crop type recognition to obtain the crop type; 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; Determine the guarantee limit of the grower according to the crop value and the grower's user data, and recommend a guarantee project to the grower based on the guarantee limit.

15. The user resource processing method according to claim 14, after the step of determining the guarantee limit of the grower according to the crop value and the grower's user data, further includes: Recommend a guarantee project to the grower based on the guarantee limit, or recommend a guarantee project to the grower based on the crop type and / or the crop value.

16. A credit limit processing device, comprising: An information acquisition module, configured to acquire the identity information entered by a target user through a credit processing channel, and the plot area of a crop plot; If the plot area is greater than a preset area threshold, run a map page display module, a plot boundary information determination module, and a marked area calculation module; The map page display module is configured to display a map page to the target user; the plot boundary information determination module is configured to determine the plot boundary information corresponding to the marking action if a marking action input on the map page is detected; The marked area calculation module is configured to calculate the marked area of the crop plot based on the plot boundary information; If the plot area is less than or equal to the preset area threshold, run a second positioning data acquisition module, a second plot boundary information determination module, and a second marked area calculation 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 calculation module is configured to calculate the second marked area of the crop plot based on the second plot boundary information as the marked area; A credit limit determination module, configured to compare the marked area and the plot area, and select the corresponding one of the two based on the comparison result and application usage data to determine the credit limit of the target user.

17. A credit limit processing device, comprising: A processor; And, A memory configured to store computer-executable instructions, which when executed cause the processor to: Acquire the identity information entered by a target user through a credit processing channel, and the plot area of a crop plot; If the plot area is greater than a preset area threshold, display a map page to the target user, if a marking action input on the map page is detected, determine the plot boundary information corresponding to the marking action, and calculate the marked area of the crop plot based on the plot boundary information; If the plot area is less than or equal to the preset area threshold, acquire the positioning data of the terminal device of the target user, determine the second plot boundary information of the crop plot based on the positioning data, and calculate the second marked area of the crop plot based on the second plot boundary information as the marked area; Compare the marked area and the plot area, and select the corresponding one of the two based on the comparison result and application usage data to determine the credit limit of the target user.

18. A storage medium for storing computer-executable instructions, which when executed implement the following process: Acquire the identity information entered by a target user through a credit processing channel, and the plot area of a crop plot; If the area of the plot is greater than the preset area threshold, display a map page to the target user. If a marking action input on the map page is detected, determine the plot boundary information corresponding to the marking action, and calculate the marked area of the crop plot based on the plot boundary information; If the area of the plot is less than or equal to the preset area threshold, obtain the positioning data of the target user's terminal device, determine the second plot boundary information of the crop plot based on the positioning data, and calculate the second marked area of the crop plot as the marked area based on the second plot boundary information; Compare the marked area and the plot area, and select the corresponding one of the two according to the comparison result to determine the credit limit of the target user together with the application usage data.

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