Gasoline card use risk control method and device, computer equipment and storage medium

Abstract

The embodiment of the application belongs to the field of artificial intelligence, is applied to the field of gas station management, and relates to a gas card use risk control method and device, computer equipment and a storage medium, which comprises the following steps: receiving a risk control request; obtaining cardholder identification information and gas record data; obtaining authorized vehicle information; obtaining driving track data of a gas vehicle in a specific fluctuation time period of each historical gas time point; obtaining gas station positioning data; obtaining discrete GPS positioning information corresponding to the gas vehicle in the specific fluctuation time period of each historical gas time point; respectively calculating positioning distances between each discrete GPS positioning information corresponding to the gas vehicle at each historical gas time point and the gas station positioning data; and performing risk judgment according to the positioning distances. The application facilitates more standardized and intelligent use risk control management of gas cards by gas stations.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of artificial intelligence and gas station management, and particularly relates to a gas card use risk control method and device, computer equipment and a storage medium. BACKGROUND

[0002] In the scene of vehicle management, the gas card is usually uniformly managed and recharged by the management party of the vehicle in a regular manner such as using special project funds, and the value of the gas card used by each vehicle is increased. The use and consumption of the gas card are generated in the daily life of the user or the single vehicle administrator.

[0003] Since the gas card is not in a strong binding mode, the owner is not checked during gas consumption, and it is impossible to identify whether the gas record generated by the gas card consumption is the corresponding vehicle in the management, so there are many loopholes, thereby generating risks such as mixed use, private use and abuse of the gas card, and it is inconvenient for the gas station to manage the gas card. SUMMARY

[0004] The purpose of the embodiment of the present application is to provide a gas card use risk control method, device, computer equipment and storage medium, so as to more standardized and intelligent use risk control management of the gas card for the gas station.

[0005] In order to solve the above technical problems, the embodiment of the present application provides a gas card use risk control method, which adopts the following technical scheme:

[0006] A gas card use risk control method comprises the following steps:

[0007] Receiving a risk control request carrying a to-be-tested gas card identifier;

[0008] Obtaining cardholder identifier information and gas record data corresponding to the to-be-tested gas card identifier, wherein the gas record data comprises information of a gas vehicle, historical gas time points and gas station identifiers corresponding to the historical gas time points;

[0009] Obtaining authorized vehicle information corresponding to the cardholder identifier information;

[0010] Obtaining driving track data of the gas vehicle in a specific fluctuation time period at each historical gas time point;

[0011] Obtaining gas station positioning data corresponding to the gas station identifier;

[0012] Based on the driving track data, obtaining discrete GPS positioning information corresponding to the gas vehicle in a specific fluctuation time period at each historical gas time point;

[0013] Calculate the positioning distance between each discrete GPS positioning information corresponding to the refueling vehicle at each historical refueling time point and the positioning data of the refueling station, respectively.

[0014] If the positioning distance meets the refueling distance condition, it is determined that the refueling record corresponding to the to-be-tested refueling card identifier is normal and has no risk.

[0015] If the positioning distance does not meet the refueling distance condition, it is determined that the refueling record is abnormal and has a risk.

[0016] Further, after the step of obtaining the authorized vehicle information corresponding to the cardholder identifier information, the method further comprises:

[0017] Based on the cardholder identifier information, obtaining license plate information or frame number information of all vehicles under the cardholder;

[0018] Obtaining vehicle information reserved by the cardholder when the refueling card is handled, and identifying whether the refueling vehicle belongs to the vehicle under the cardholder, wherein the vehicle information reserved by the cardholder when the refueling card is handled includes license plate information or frame number information;

[0019] If the vehicle information belongs to any vehicle under the cardholder, the refueling vehicle is the vehicle authorized by the cardholder to refuel the refueling card;

[0020] If the vehicle information does not correspond to any vehicle under the cardholder, a refueling card use risk control prompt is sent to the cardholder.

[0021] Further, before the step of obtaining the driving track data of the refueling vehicle in the specific fluctuation time period at each historical refueling time point, the method further comprises:

[0022] According to the OBD interface of the target refueling vehicle, obtain the OBD report information of the target refueling vehicle, and parse and obtain the time interval of each report, wherein the OBD report information includes time point information of each report;

[0023] Based on the time interval, it is judged whether the target refueling vehicle generates start-stop data in the specific fluctuation time period at the current refueling time point;

[0024] If the time interval is uniform, no start-stop data is generated, and a refueling card use risk control prompt is sent to the cardholder;

[0025] If there is at least one interval greater than the preset OBD reporting time interval in the time interval, start-stop data is generated, and driving track data of the target refueling vehicle in a specific fluctuation time period at the current refueling time point is obtained.

[0026] Further, the step of obtaining the corresponding discrete GPS positioning information of the refueling vehicle in the specific fluctuation time period at each historical refueling time point based on the driving track data specifically comprises:

[0027] Obtaining start-stop data of the refueling vehicle, and taking GPS positioning information of the refueling vehicle at start-stop time as start-stop type GPS positioning information point value;

[0028] The obtained driving track data is divided according to a preset time interval, driving track point values after division are obtained, GPS positioning information corresponding to each driving track point value is obtained as driving track type GPS positioning information point value;

[0029] The start-stop type GPS positioning information point value and the driving track type GPS positioning information point value jointly constitute the corresponding discrete GPS positioning information of the refueling vehicle.

[0030] Further, the step of obtaining the refueling station positioning data corresponding to the refueling station identifier specifically comprises:

[0031] According to the refueling station identifier, the name of the refueling station is parsed;

[0032] According to the name of the refueling station and a preset Beidou or GPS positioning analysis function, the GPS positioning information of the refueling station is determined.

[0033] Further, after the step of calculating the positioning distance between each discrete GPS positioning information corresponding to the refueling vehicle at each historical refueling time point and the refueling station positioning data, the method further comprises:

[0034] A GPS positioning information deviation target value is set in advance;

[0035] It is judged whether the GPS positioning information of the refueling station belongs to any GPS positioning information in the discrete GPS positioning information corresponding to the refueling vehicle;

[0036] If it belongs, there is a reasonable refueling relationship between the refueling station and the refueling vehicle;

[0037] If it does not belong, the GPS positioning information closest to the GPS positioning information of the refueling station in the discrete GPS positioning information corresponding to the refueling vehicle is obtained;

[0038] obtaining a deviation value between the latest GPS positioning information and the GPS positioning information of the gas station, and determining whether the deviation value is less than a target value of the GPS positioning information deviation;

[0039] If the deviation value is less than the target value of the GPS positioning information deviation, it is determined that there is a reasonable refueling relationship between the gas station and the vehicle.

[0040] If the deviation value is not less than the target value of the GPS positioning information deviation, it is determined that there is an unreasonable refueling relationship between the gas station and the vehicle.

[0041] Further, after the step of determining whether the deviation value is less than the target value of the GPS positioning information deviation, the method further comprises:

[0042] If there is a reasonable refueling relationship between the gas station and the vehicle, the positioning distance satisfies a refueling distance condition.

[0043] If there is an unreasonable refueling relationship between the gas station and the vehicle, the positioning distance does not satisfy the refueling distance condition, and a refueling card use risk control prompt is sent to the cardholder.

[0044] To solve the above technical problems, the embodiment of the application further provides a refueling card use risk control device, which adopts the following technical scheme:

[0045] A refueling card use risk control device comprises:

[0046] A risk control request module is configured to receive a risk control request carrying a to-be-tested refueling card identifier.

[0047] A refueling information acquisition module is configured to acquire cardholder identifier information corresponding to the to-be-tested refueling card identifier and refueling record data, wherein the refueling record data comprises information of a refueling vehicle, historical refueling time points, and gas station identifiers corresponding to the historical refueling time points.

[0048] An authorized vehicle information acquisition module is configured to acquire authorized vehicle information corresponding to the cardholder identifier information.

[0049] A driving track data acquisition module is configured to acquire driving track data of the refueling vehicle in a specific fluctuation time period at each of the historical refueling time points.

[0050] A gas station positioning data acquisition module is configured to acquire gas station positioning data corresponding to the gas station identifiers.

[0051] A GPS positioning information acquisition module is configured to acquire discrete GPS positioning information corresponding to the refueling vehicle in a specific fluctuation time period at each of the historical refueling time points based on the driving track data.

[0052] The positioning distance acquisition module is configured to calculate a positioning distance between each discrete GPS positioning information corresponding to the refueling vehicle at each historical refueling time point and the refueling station positioning data, respectively.

[0053] The first judging module is configured to determine that the refueling record corresponding to the to-be-tested refueling card identifier is normal and risk-free if the positioning distance satisfies the refueling distance condition.

[0054] The second judging module is configured to determine that the refueling record is abnormal and risky if the positioning distance does not satisfy the refueling distance condition.

[0055] To solve the above technical problems, the embodiment of the present application further provides a computer device, which adopts the technical scheme as follows:

[0056] A computer device includes a memory and a processor, the memory stores computer readable instructions, and the processor executes the computer readable instructions to realize the steps of the refueling card use risk control method.

[0057] To solve the above technical problems, the embodiment of the present application further provides a computer readable storage medium, which adopts the technical scheme as follows:

[0058] A computer readable storage medium stores computer readable instructions, and the computer readable instructions are executed by a processor to realize the steps of the refueling card use risk control method.

[0059] Compared with the prior art, the embodiment of the present application has the following beneficial effects:

[0060] The refueling card use risk control method receives a risk control request, acquires cardholder identifier information and refueling record data, acquires authorized vehicle information, acquires driving track data of a refueling vehicle in a specific fluctuation time period at each historical refueling time point, acquires refueling station positioning data, acquires discrete GPS positioning information corresponding to the refueling vehicle in the specific fluctuation time period at each historical refueling time point, calculates a positioning distance between each discrete GPS positioning information corresponding to the refueling vehicle at each historical refueling time point and the refueling station positioning data, respectively, and performs risk judgment according to the positioning distance. The present application facilitates more standardized and intelligent use of refueling cards for risk control management. BRIEF DESCRIPTION OF DRAWINGS

[0061] In order to more clearly illustrate the scheme in the present application, the drawings needed in the description of the embodiments of the present application will be briefly introduced below. Obviously, the drawings described below are some embodiments of the present application, and other drawings can also be obtained by those skilled in the art without creative labor on the basis of these drawings.

[0062] Figure 1 is an exemplary system architecture diagram to which the present application can be applied;

[0063] Figure 2 Flow chart of an embodiment of the refueling card use risk management method according to the present application;

[0064] Figure 3 is Figure 2 Flow chart of a specific implementation of step 205 shown in

[0065] Figure 4 is Figure 2 Flow chart of a specific implementation of step 206 shown in

[0066] Figure 5 Structural schematic diagram of an embodiment of the refueling card use risk management device according to the present application;

[0067] Figure 6 Structural schematic diagram of the vehicle authorization judgment module 510 shown in an embodiment of the refueling card use risk management device according to the present application;

[0068] Figure 7 Structural schematic diagram of the vehicle start-stop judgment module 511 shown in an embodiment of the refueling card use risk management device according to the present application;

[0069] Figure 8 Structural schematic diagram of the refueling reasonableness judgment module 512 shown in an embodiment of the refueling card use risk management device according to the present application;

[0070] Figure 9 Structural schematic diagram of an embodiment of the computer device according to the present application. DETAILED DESCRIPTION

[0071] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this application belongs; the terminology used in the description herein is for describing particular embodiments only and is not intended to be limiting of the application; the use herein of terms such as "comprise" and "comprising", "have" and "having", "include" and "including" and "contain" and "containing" are to be construed in an open, non-exhaustive way, i.e. in the sense of "including, but not limited to"; the use herein of terms such as "first", "second", and "other" are used to distinguish one object from another, and are not used to describe a particular sequential order.

[0072] Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the application. The appearances of the phrase "in an embodiment" in various places in the specification are not necessarily all referring to the same embodiment, nor are they necessarily mutually exclusive of one another.

[0073] In order to make the persons skilled in the art better understand the scheme of the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below in combination with the drawings.

[0074] As shown in Figure 1 The system architecture 100 can include terminal devices 101, 102, 103, a network 104, and a server 105. The network 104 is a medium for providing a communication link between the terminal devices 101, 102, 103 and the server 105. The network 104 can include various connection types, such as wired, wireless communication links, or optical fiber cables, etc.

[0075] A user can use the terminal devices 101, 102, 103 to interact with the server 105 through the network 104 to receive or send messages, etc. Various communication client applications can be installed on the terminal devices 101, 102, 103, such as web browser applications, shopping applications, search applications, instant messaging tools, email clients, social platform software, etc.

[0076] The terminal devices 101, 102, 103 can be various electronic devices with display screens and supporting web browsing, including but not limited to smartphones, tablet computers, e-book readers, MP3 (Moving Picture Experts Group Audio Layer III) players, MP4 (Moving Picture Experts Group Audio Layer IV) players, laptop portable computers, and desktop computers, etc.

[0077] The server 105 can be a server providing various services, for example, a background server providing support for a page displayed on the terminal device 101, 102, 103.

[0078] It should be noted that the fuel card use risk control method provided in the embodiments of the present application is generally executed by a server / terminal device, and correspondingly, the fuel card use risk control device is generally arranged in the server / terminal device.

[0079] It should be understood that Figure 1 The number of terminal devices, networks and servers in

[0080] With reference to Figure 2 , a flow chart of one embodiment of the fuel card use risk control method according to the present application is shown. The fuel card use risk control method includes the following steps:

[0081] Step 201, receiving a risk control request carrying a to-be-tested fuel card identifier.

[0082] Step 202, obtaining cardholder identifier information corresponding to the to-be-tested fuel card identifier and fueling record data, wherein the fueling record data includes information of a fueling vehicle, historical fueling time points and fueling station identifiers corresponding to the historical fueling time points.

[0083] Step 203, obtaining authorized vehicle information corresponding to the cardholder identifier information.

[0084] In the embodiment, after the step of obtaining the authorized vehicle information corresponding to the cardholder identifier information, the method further includes: obtaining license plate information or frame number information of all vehicles under the cardholder based on the cardholder identifier information; obtaining vehicle information reserved by the cardholder when the fuel card is handled, and identifying whether the fueling vehicle belongs to the vehicles under the cardholder, wherein the vehicle information reserved by the cardholder when the fuel card is handled includes license plate information or frame number information; if the vehicle information belongs to any vehicle under the cardholder, the fueling vehicle is a vehicle authorized by the cardholder to use the fuel card; and if the vehicle information does not correspond to any vehicle under the cardholder, a fuel card use risk control prompt is sent to the cardholder.

[0085] The vehicle information bound by the refueling card number and the cardholder's identity information are used to obtain the vehicle information under the cardholder, and it is determined whether the vehicle information bound by the refueling card number is the vehicle under the cardholder. If not, the first risk control prompt is performed, so as to facilitate the use of the corresponding relationship among the unified refueling card, the cardholder and the vehicle, and facilitate the risk control management of the management party.

[0086] In step 204, driving track data of the refueling vehicle in a specific fluctuation time period of each historical refueling time point is obtained.

[0087] In the embodiment, before the step of obtaining the driving track data of the refueling vehicle in a specific fluctuation time period of each historical refueling time point, the method further comprises: obtaining OBD reporting information of the target refueling vehicle according to an OBD interface of the target refueling vehicle, and analyzing and obtaining a time interval of each reporting, wherein the OBD reporting information comprises time point information of each reporting; based on the time interval, it is judged whether the target refueling vehicle generates start-stop data in a specific fluctuation time period of the current refueling time point; if the time interval is uniform, no start-stop data is generated, and a refueling card use risk control prompt is sent to the cardholder; if at least one interval time in the time interval is greater than a preset OBD reporting time interval, start-stop data is generated, and driving track data of the target refueling vehicle in a specific fluctuation time period of the current refueling time point is obtained.

[0088] By judging whether the vehicle generates start-stop data in a specific fluctuation time period of the refueling time point at the current refueling time, it is determined whether to send a refueling card use risk prompt to the cardholder, so as to ensure that the second risk control prompt is performed when the vehicle does not generate start-stop data, that is, the vehicle corresponding to the refueling card does not stop but has a refueling record, and facilitate the risk control management of the management party.

[0089] In step 205, refueling station positioning data corresponding to the refueling station identifier is obtained.

[0090] In the embodiment, the step of obtaining the refueling station positioning data corresponding to the refueling station identifier specifically comprises: analyzing the name of the refueling station according to the refueling station identifier; and determining the GPS positioning information of the refueling station according to the name of the refueling station and a preset Beidou or GPS positioning analysis function.

[0091] Continuing to refer to Figure 3 , Figure 3 is Figure 2 a flowchart of one specific implementation of step 205, comprising steps of:

[0092] In step 301, the name of the refueling station is analyzed according to the refueling station identifier.

[0093] Step 302, determining the GPS positioning information of the gas station according to the name of the gas station and the preset Beidou or GPS positioning analysis function.

[0094] The GPS positioning information of the gas station is determined through the name of the gas station parsed from the refueling record data and the preset Beidou or GPS positioning analysis function, and the data is simple and easy to obtain, without the need for complex processing of the GPS positioning information of the gas station.

[0095] Step 206, based on the driving trajectory data, obtaining discrete GPS positioning information corresponding to the refueling vehicle within a specific fluctuation time period at each historical refueling time point.

[0096] In the embodiment, the step of obtaining discrete GPS positioning information corresponding to the refueling vehicle within a specific fluctuation time period at each historical refueling time point based on the driving trajectory data specifically includes: obtaining start-stop data of the refueling vehicle, taking GPS positioning information of the refueling vehicle at start-stop time as start-stop type GPS positioning information point value; dividing the obtained driving trajectory data according to a preset time interval to obtain divided driving trajectory point values, obtaining GPS positioning information corresponding to each driving trajectory point value as driving trajectory type GPS positioning information point value; and obtaining the start-stop type GPS positioning information point value and the driving trajectory type GPS positioning information point value to jointly constitute the discrete GPS positioning information corresponding to the refueling vehicle.

[0097] Continuing to refer to Figure 4 , Figure 4 is Figure 2 a flowchart of one specific implementation of step 206, including steps of:

[0098] Step 401, obtaining start-stop data of the refueling vehicle, and taking GPS positioning information of the refueling vehicle at start-stop time as start-stop type GPS positioning information point value;

[0099] Step 402, dividing the obtained driving trajectory data according to a preset time interval to obtain divided driving trajectory point values, and obtaining GPS positioning information corresponding to each driving trajectory point value as driving trajectory type GPS positioning information point value;

[0100] Step 403, obtaining the start-stop type GPS positioning information point value and the driving trajectory type GPS positioning information point value to jointly constitute the discrete GPS positioning information corresponding to the refueling vehicle.

[0101] The GPS positioning information when the vehicle starts and stops is taken as a GPS positioning information point value, the GPS positioning information corresponding to the driving track data is discretized to obtain a plurality of GPS positioning information point values, and the two types of GPS positioning information point values are used to form the discrete GPS positioning information corresponding to the vehicle.

[0102] In addition, the obtained driving track data is divided according to a preset time interval to obtain driving track point values after division, which is more flexible and variable, and is convenient for combining actual needs, flexibly setting the number of discrete GPS positioning information, and facilitating risk control analysis.

[0103] In step 207, the positioning distances between each discrete GPS positioning information corresponding to the refueling vehicle at each historical refueling time point and the refueling station positioning data are calculated respectively.

[0104] In the embodiment, after the step of calculating the positioning distances between each discrete GPS positioning information corresponding to the refueling vehicle at each historical refueling time point and the refueling station positioning data, the method further includes: setting a GPS positioning information deviation target value in advance; determining whether the GPS positioning information of the refueling station belongs to any GPS positioning information in the discrete GPS positioning information corresponding to the refueling vehicle; if yes, there is a reasonable refueling relationship between the refueling station and the refueling vehicle; if not, the closest GPS positioning information to the GPS positioning information of the refueling station in the discrete GPS positioning information corresponding to the refueling vehicle is obtained; the deviation value between the closest GPS positioning information and the GPS positioning information of the refueling station is obtained, and it is determined whether the deviation value is less than the GPS positioning information deviation target value; if yes, there is a reasonable refueling relationship between the refueling station and the vehicle; if not, there is an unreasonable refueling relationship between the refueling station and the vehicle.

[0105] By using the GPS positioning information of the refueling station, the discrete vehicle GPS positioning information and the preset GPS positioning information deviation target value, it is determined whether there is a reasonable refueling relationship between the vehicle and the refueling station, so that when the GPS positioning information difference is large, the vehicle without a reasonable refueling relationship is screened out, and the risk control management of the management party is facilitated.

[0106] In the embodiment, after the step of judging whether the deviation value is less than the GPS positioning information deviation target value, the method further comprises: if there is a reasonable refueling relationship between the gas station and the vehicle, the positioning distance satisfies the refueling distance condition; if there is an unreasonable refueling relationship between the gas station and the vehicle, the positioning distance does not satisfy the refueling distance condition, and a refueling card use risk control prompt is sent to the cardholder.

[0107] By judging whether the deviation value is less than the GPS positioning information deviation target value, it is determined whether the positioning distance satisfies the refueling distance condition, so as to decide whether to perform the risk control prompt, thereby facilitating the risk control management of the management party.

[0108] In step 208, if the positioning distance satisfies the refueling distance condition, it is confirmed that the refueling record corresponding to the to-be-tested refueling card identifier is normal and there is no risk.

[0109] In step 209, if the positioning distance does not satisfy the refueling distance condition, it is confirmed that the refueling record is abnormal and there is a risk.

[0110] The application receives a risk control request, obtains cardholder identifier information and refueling record data, obtains authorized vehicle information, obtains driving track data of a refueling vehicle in a specific fluctuation time period at each historical refueling time point, obtains gas station positioning data, obtains discrete GPS positioning information corresponding to the refueling vehicle in the specific fluctuation time period at each historical refueling time point, respectively calculates the positioning distance between each discrete GPS positioning information corresponding to the refueling vehicle at each historical refueling time point and the gas station positioning data, and performs risk judgment according to the positioning distance. The application facilitates the more standardized and intelligent use of refueling cards by gas stations.

[0111] The embodiment of the application can acquire and process related data based on artificial intelligence technology. Artificial intelligence (AI) is the use of digital computers or computer-controlled machines to simulate, extend and expand human intelligence, perceive the environment, acquire knowledge and use knowledge to obtain the best results.

[0112] The basic technology of artificial intelligence generally includes technologies such as sensors, special artificial intelligence chips, cloud computing, distributed storage, big data processing technology, operation / interaction system, mechatronics, etc. The software technology of artificial intelligence mainly includes computer vision technology, robot technology, biometric technology, speech processing technology, natural language processing technology, and machine learning / deep learning, etc.

[0113] In the embodiments of the present application, the refueling card use risk control method can be packaged into a risk control model through model construction, so as to facilitate automatic and intelligent risk control and improve the intelligent and automatic management of refueling card business of the gas station.

[0114] The embodiments of the present application can also be applied to the gas station management function in the smart city, so as to improve the intelligent and automatic management of refueling card business of the gas station.

[0115] Further referring to Figure 5 , as an implementation of the method shown in the above Figure 2 , the present application provides an embodiment of a refueling card use risk control device, which corresponds to the method embodiment shown in Figure 2 . The device can be applied to various electronic devices.

[0116] As shown in Figure 5 , the refueling card use risk control device 500 described in the embodiments includes a risk control request module 501, a refueling information acquisition module 502, an authorized vehicle information acquisition module 503, a driving track data acquisition module 504, a gas station positioning data acquisition module 505, a GPS positioning information acquisition module 506, a positioning distance acquisition module 507, a first judgment module 508, and a second judgment module 509. Among them:

[0117] The risk control request module 501 is configured to receive a risk control request carrying a to-be-tested refueling card identifier;

[0118] The refueling information acquisition module 502 is configured to acquire cardholder identifier information and refueling record data corresponding to the to-be-tested refueling card identifier, wherein the refueling record data includes information of a refueling vehicle, historical refueling time points, and gas station identifiers corresponding to the historical refueling time points;

[0119] The authorized vehicle information acquisition module 503 is configured to acquire authorized vehicle information corresponding to the cardholder identifier information;

[0120] The driving track data acquisition module 504 is configured to acquire driving track data of the refueling vehicle in a specific fluctuation time period at each of the historical refueling time points;

[0121] The gas station positioning data acquisition module 505 is configured to acquire gas station positioning data corresponding to the gas station identifiers;

[0122] The GPS positioning information acquisition module 506 is configured to acquire discrete GPS positioning information corresponding to the refueling vehicle in the specific fluctuation time period at each of the historical refueling time points based on the driving track data;

[0123] The positioning distance acquisition module 507 is configured to calculate a positioning distance between each discrete GPS positioning information corresponding to the refueling vehicle at each historical refueling time point and the refueling station positioning data, respectively.

[0124] The first judgment module 508 is configured to, if the positioning distance meets the refueling distance condition, determine that the refueling record corresponding to the to-be-tested refueling card identifier is normal and has no risk.

[0125] The second judgment module 509 is configured to, if the positioning distance does not meet the refueling distance condition, determine that the refueling record is abnormal and has a risk.

[0126] The application receives a risk control request, acquires cardholder identifier information and refueling record data, acquires authorized vehicle information, acquires driving track data of a refueling vehicle in a specific fluctuation time period at each historical refueling time point, acquires refueling station positioning data, acquires discrete GPS positioning information corresponding to the refueling vehicle in the specific fluctuation time period at each historical refueling time point, calculates a positioning distance between each discrete GPS positioning information corresponding to the refueling vehicle at each historical refueling time point and the refueling station positioning data, respectively, and performs risk judgment according to the positioning distance. The application facilitates more standardized and intelligent use of refueling cards by refueling stations.

[0127] With reference to the foregoing Figure 6 In some embodiments of the application, the refueling card use risk control device 500 further includes a vehicle authorization judgment module 510, which includes a first acquisition sub-module 5101, a second acquisition sub-module 5102, a first judgment sub-module 5103, and a second judgment sub-module 5104, wherein:

[0128] The first acquisition sub-module 5101 is configured to obtain license plate information or frame number information of all vehicles under the cardholder based on the cardholder identifier information.

[0129] The second acquisition sub-module 5102 is configured to acquire vehicle information reserved by the cardholder when the refueling card is handled, and identify whether the refueling vehicle belongs to the vehicles under the cardholder, wherein the vehicle information reserved by the cardholder when the refueling card is handled includes license plate information or frame number information.

[0130] The first judgment sub-module 5103 is configured to, if the vehicle information belongs to any vehicle under the cardholder, determine that the refueling vehicle is a vehicle authorized by the cardholder to refuel the refueling card.

[0131] The second judgment submodule 5104 is configured to send a refueling card use risk control prompt to the cardholder if the vehicle information does not correspond to any vehicle owned by the cardholder.

[0132] The vehicle authorization judgment module is configured to determine whether the vehicle information bound to the refueling card number is a vehicle owned by the cardholder, and if not, to send a first risk control prompt, so as to facilitate the use of the refueling card, the cardholder, and the vehicle, and facilitate the risk control management by the management party.

[0133] With reference to the foregoing Figure 7 In some embodiments of the present application, the refueling card use risk control device 500 further comprises a vehicle start-stop judgment module 511, which comprises a third acquisition submodule 5111, a start-stop judgment submodule 5112, a third judgment submodule 5113, and a fourth judgment submodule 5114, wherein:

[0134] The third acquisition submodule 5111 is configured to acquire OBD report information of a target refueling vehicle according to an OBD interface of the target refueling vehicle, and parse the time interval of each report, wherein the OBD report information comprises time point information of each report.

[0135] The start-stop judgment submodule 5112 is configured to judge whether the target refueling vehicle has generated start-stop data within a specific fluctuation time period at a current refueling time point based on the time interval.

[0136] The third judgment submodule 5113 is configured to send a refueling card use risk control prompt to the cardholder if the time interval is uniform, i.e., no start-stop data is generated.

[0137] The fourth judgment submodule 5114 is configured to acquire driving track data of the target refueling vehicle within the specific fluctuation time period at the current refueling time point if at least one interval time in the time interval is greater than a preset OBD report time interval, i.e., start-stop data is generated.

[0138] The vehicle start-stop judgment module is configured to judge whether the vehicle has generated start-stop data within the specific fluctuation time period at the refueling time point during the current refueling, and to determine whether to send a refueling card use risk prompt to the cardholder, so as to ensure that a second risk control prompt is sent if the vehicle has not generated start-stop data, i.e., the vehicle corresponding to the refueling card has not been stopped but has a refueling record, thereby facilitating the risk control management by the management party.

[0139] With reference to the foregoing Figure 8In some embodiments of the present application, the refueling card risk control device 500 further comprises a refueling reasonableness judgment module 512, which comprises a first setting sub-module 5121, a fifth judgment sub-module 5122, a sixth judgment sub-module 5123, a seventh judgment sub-module 5124, an eighth judgment sub-module 5125, a ninth judgment sub-module 5126, and a tenth judgment sub-module 5127, wherein:

[0140] The first setting sub-module 5121 is configured to pre-set a GPS positioning information deviation target value.

[0141] The fifth judgment sub-module 5122 is configured to judge whether the GPS positioning information of the refueling station belongs to any GPS positioning information in the discrete GPS positioning information corresponding to the refueling vehicle.

[0142] The sixth judgment sub-module 5123 is configured to, if the GPS positioning information belongs to the discrete GPS positioning information, determine that there is a reasonable refueling relationship between the refueling station and the refueling vehicle.

[0143] The seventh judgment sub-module 5124 is configured to, if the GPS positioning information does not belong to the discrete GPS positioning information, obtain the GPS positioning information closest to the GPS positioning information of the refueling station in the discrete GPS positioning information corresponding to the refueling vehicle.

[0144] The eighth judgment sub-module 5125 is configured to obtain a deviation value between the closest GPS positioning information and the GPS positioning information of the refueling station, and judge whether the deviation value is less than the GPS positioning information deviation target value.

[0145] The ninth judgment sub-module 5126 is configured to, if the deviation value is less than the GPS positioning information deviation target value, determine that there is a reasonable refueling relationship between the refueling station and the vehicle.

[0146] The tenth judgment sub-module 5127 is configured to, if the deviation value is not less than the GPS positioning information deviation target value, determine that there is an unreasonable refueling relationship between the refueling station and the vehicle.

[0147] Through the refueling reasonableness judgment module, it is determined whether there is a reasonable refueling relationship between the vehicle and the refueling station, so that when the GPS positioning information is significantly different, the vehicle without a reasonable refueling relationship is screened out, and the management party can easily manage and control the risk.

[0148] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing relevant hardware through computer readable instructions, and the computer readable instructions can be stored in a computer readable storage medium. When the program is executed, the processes of the above-mentioned embodiments of each method can be included. The storage medium can be a non-volatile storage medium such as a magnetic disc, an optical disc, a read-only memory (ROM), or a random access memory (RAM).

[0149] It should be understood that, although each step in the flowchart of the accompanying drawings is shown in sequence according to the direction of the arrow, these steps are not necessarily executed in sequence according to the direction of the arrow. Unless otherwise specified herein, the execution of these steps is not strictly limited in sequence, and they can be executed in other sequences. Moreover, at least part of the steps in the flowchart of the accompanying drawings can include multiple sub-steps or multiple stages, which are not necessarily executed at the same time, but can be executed at different times, and the execution sequence is not necessarily sequential, but can be alternately or alternately executed with at least part of other steps or sub-steps or stages of other steps.

[0150] To solve the above technical problems, the embodiment of the present application also provides a computer device. For details, please refer to Figure 9 , Figure 9 The basic structure block diagram of the computer device of the present embodiment is shown in the figure.

[0151] The computer device 9 includes a memory 91, a processor 92, and a network interface 93, which are connected to each other through a system bus. It should be noted that only the computer device 9 with components 91-93 is shown in the figure, but it should be understood that it is not required to implement all the shown components, and more or fewer components can be implemented instead. Among them, those skilled in the art can understand that the computer device here is a device that can automatically perform numerical calculation and / or information processing according to pre-set or stored instructions, and its hardware includes but is not limited to microprocessors, application specific integrated circuits (ASICs), field programmable gate arrays (FPGAs), digital signal processors (DSPs), embedded devices, etc.

[0152] The computer device can be a desktop computer, a notebook computer, a palm computer, a cloud server, or the like. The computer device can interact with a user through a keyboard, a mouse, a remote controller, a touchpad, a voice control device, or the like.

[0153] The memory 91 includes at least one type of readable storage medium, such as a flash memory, a hard disk, a multimedia card, a card-type memory (e.g., an SD or DX memory, or the like), a random access memory (RAM), a static random access memory (SRAM), a read-only memory (ROM), an electrically erasable programmable read-only memory (EEPROM), a programmable read-only memory (PROM), a magnetic memory, a magnetic disk, an optical disk, or the like. In some embodiments, the memory 91 can be an internal storage unit of the computer device 9, such as a hard disk or a memory of the computer device 9. In other embodiments, the memory 91 can also be an external storage device of the computer device 9, such as a plug-in hard disk, a smart media card (SMC), a secure digital (SD) card, a flash card, or the like. Of course, the memory 91 can include both an internal storage unit and an external storage device of the computer device 9. In this embodiment, the memory 91 is generally used to store an operating system and various application software installed in the computer device 9, such as computer readable instructions of the refueling card use risk control method, or the like. In addition, the memory 91 can also be used to temporarily store various data that has been output or will be output.

[0154] The processor 92 can be a central processing unit (CPU), a controller, a microcontroller, a microprocessor, or other data processing chip in some embodiments. The processor 92 is generally used to control the overall operation of the computer device 9. In this embodiment, the processor 92 is used to run computer readable instructions or process data stored in the memory 91, such as computer readable instructions of the refueling card use risk control method.

[0155] The network interface 93 can include a wireless network interface or a wired network interface, and is generally used to establish a communication connection between the computer device 9 and other electronic devices.

[0156] The computer device provided in the embodiment belongs to the technical field of gas station management. The application receives a risk control request, obtains cardholder identification information and gas filling record data, obtains authorized vehicle information, obtains driving track data of a gas filling vehicle in a specific fluctuation time period at each historical gas filling time point, obtains gas station positioning data, obtains discrete GPS positioning information corresponding to the gas filling vehicle in the specific fluctuation time period at each historical gas filling time point, respectively calculates positioning distances between each discrete GPS positioning information corresponding to the gas filling vehicle at each historical gas filling time point and the gas station positioning data, and performs risk judgment according to the positioning distances. The application facilitates more standardized and intelligent use risk control management of gas filling cards by gas stations.

[0157] The application also provides another implementation, namely providing a computer readable storage medium storing computer readable instructions, which can be executed by a processor to make the processor execute the steps of the gas filling card use risk control method.

[0158] The computer readable storage medium provided in the embodiment belongs to the technical field of gas station management. The application receives a risk control request, obtains cardholder identification information and gas filling record data, obtains authorized vehicle information, obtains driving track data of a gas filling vehicle in a specific fluctuation time period at each historical gas filling time point, obtains gas station positioning data, obtains discrete GPS positioning information corresponding to the gas filling vehicle in the specific fluctuation time period at each historical gas filling time point, respectively calculates positioning distances between each discrete GPS positioning information corresponding to the gas filling vehicle at each historical gas filling time point and the gas station positioning data, and performs risk judgment according to the positioning distances. The application facilitates more standardized and intelligent use risk control management of gas filling cards by gas stations.

[0159] Through the description of the above implementation, those skilled in the art can clearly understand that the above-mentioned embodiment method can be realized by means of software and a general hardware platform as required, of course, it can also be realized by hardware, but in many cases, the former is a better implementation. Based on such understanding, the technical solutions of the application can be embodied in the form of a software product, which is stored in a storage medium (such as a ROM / RAM, a magnetic disk, an optical disk), and includes a plurality of instructions for making a terminal device (which can be a mobile phone, a computer, a server, an air conditioner, or a network device) execute the method described in each embodiment of the application.

[0160] Obviously, the above-described embodiments are only some embodiments but not all the embodiments of the present application, the preferred embodiments of the present application are shown in the drawings, but do not limit the patent scope of the present application. The present application can be implemented in many different forms, and conversely, the purpose of providing these embodiments is to make the disclosure of the present application more thorough and comprehensive. Although the present application has been described in detail with reference to the foregoing embodiments, those skilled in the art can still modify the technical solutions described in the foregoing specific embodiments, or make equivalent replacements to some technical features therein. Any equivalent structure made by using the content of the specification and drawings, directly or indirectly applied to other related technical fields, is also within the patent protection scope of the present application.

Claims

1. A method for risk management of fuel card usage, characterized in that, Includes the following steps: Receive risk management requests carrying the identifier of the fuel card to be tested; Obtain the cardholder identification information and refueling record data corresponding to the fuel card identification to be tested, wherein the refueling record data includes information of the refueling vehicle, historical refueling time points, and gas station identification corresponding to the historical refueling time points; The method further includes acquiring driving trajectory data of the refueling vehicle within a specific fluctuation period at each of the historical refueling time points, wherein, prior to the step of acquiring the driving trajectory data of the refueling vehicle within the specific fluctuation period at each of the historical refueling time points, the method also includes: Based on the OBD interface of the target refueling vehicle, obtain the OBD reporting information of the target refueling vehicle, and parse and obtain the time interval of each report. The OBD reporting information includes the time point information of each report. Based on the time interval, it is determined whether the target refueling vehicle generated start-stop data within a specific fluctuation period at the current refueling time point; If the time intervals are uniform, no start / stop data is generated, and a risk control reminder for fuel card usage is sent to the cardholder. If at least one of the time intervals is longer than the preset OBD reporting time interval, start-stop data is generated, and the driving trajectory data of the target refueling vehicle within a specific fluctuation time period at the current refueling time point is obtained. Obtain the gas station location data corresponding to the gas station identifier; Based on the driving trajectory data, obtain discrete GPS positioning information of the refueling vehicle within a specific fluctuation time period at each of the historical refueling time points; The method calculates the positioning distance between each discrete GPS positioning information corresponding to the refueling vehicle and the gas station positioning data at each of the historical refueling time points. After the step of calculating the positioning distance between each discrete GPS positioning information corresponding to the refueling vehicle and the gas station positioning data at each of the historical refueling time points, the method further includes: Pre-set the target value for GPS positioning information deviation; Determine whether the GPS positioning information of the gas station belongs to any of the discrete GPS positioning information corresponding to the refueling vehicle; If so, then there is a reasonable refueling relationship between the gas station and the refueling vehicle; If it does not belong to the category, then obtain the GPS positioning information that is closest to the GPS positioning information of the gas station from the discrete GPS positioning information corresponding to the refueling vehicle; Obtain the deviation value between the most recent GPS positioning information and the GPS positioning information of the gas station, and determine whether the deviation value is less than the GPS positioning information deviation target value; If the distance is less than the specified distance, then there is a reasonable refueling relationship between the gas station and the vehicle, and the positioning distance meets the refueling distance condition. If the distance is not less than the specified distance, then there is an unreasonable refueling relationship between the gas station and the vehicle, and the positioning distance does not meet the refueling distance condition. If the positioning distance meets the refueling distance condition, then the refueling record corresponding to the fuel card identifier under test is confirmed to be normal and without risk. If the location distance does not meet the refueling distance condition, the refueling record is confirmed to be abnormal and poses a risk.

2. The risk control method for the use of fuel cards according to claim 1, characterized in that, The method further includes: Obtain the authorized vehicle information corresponding to the cardholder identification information; Based on the cardholder identification information, obtain the license plate information or vehicle identification number information of all vehicles registered under the cardholder's name; Obtain the vehicle information reserved by the cardholder when applying for the fuel card, and identify whether the fuel vehicle belongs to the cardholder. The vehicle information reserved by the cardholder when applying for the fuel card includes license plate information or vehicle identification number (VIN). If the refueling vehicle belongs to any vehicle registered under the cardholder's name, then the refueling vehicle is the vehicle authorized by the cardholder to refuel using the refueling card; If the refueling vehicle does not correspond to any vehicle under the cardholder's name, a risk control reminder regarding the use of the refueling card will be sent to the cardholder.

3. The risk management method for the use of fuel cards according to claim 1, characterized in that, The step of obtaining discrete GPS positioning information of the refueling vehicle within a specific fluctuation time period at each of the historical refueling time points based on the driving trajectory data specifically includes: Obtain the start-stop data of the refueling vehicle, and use the GPS positioning information of the refueling vehicle at the start and stop times as the start-stop type GPS positioning information point value; The acquired driving trajectory data is segmented according to a preset time interval to obtain the segmented driving trajectory point values. The GPS positioning information corresponding to each driving trajectory point value is obtained as the driving trajectory type GPS positioning information point value. The start-stop type GPS positioning information point value and the driving trajectory type GPS positioning information point value are obtained together to form the discrete GPS positioning information corresponding to the refueling vehicle.

4. The risk control method for the use of fuel cards according to claim 1, characterized in that, The step of obtaining the gas station location data corresponding to the gas station identifier specifically includes: Based on the gas station sign, the name of the gas station can be determined. The GPS location information of the gas station is determined based on the name of the gas station and the preset Beidou or GPS positioning analysis function.

5. A risk control device for the use of fuel cards, characterized in that, The fuel card usage risk control device implements the steps of the fuel card usage risk control method as described in any one of claims 1 to 4, wherein the fuel card usage risk control device comprises: The risk control request module is used to receive risk control requests carrying the identifier of the fuel card to be tested; The refueling information acquisition module is used to acquire cardholder identification information and refueling record data corresponding to the fuel card identification to be tested. The refueling record data includes information of the refueling vehicle, historical refueling time points, and gas station identification corresponding to the historical refueling time points. The vehicle trajectory data acquisition module is used to acquire the vehicle trajectory data of the refueling vehicle within a specific fluctuation time period at each of the historical refueling time points; The gas station location data acquisition module is used to acquire gas station location data corresponding to the gas station identifier; The GPS positioning information acquisition module is used to acquire discrete GPS positioning information of the refueling vehicle within a specific fluctuation time period at each of the historical refueling time points, based on the driving trajectory data. The positioning distance acquisition module is used to calculate the positioning distance between the discrete GPS positioning information of the refueling vehicle and the positioning data of the gas station at each of the historical refueling time points. The first judgment module is used to confirm that if the positioning distance meets the refueling distance condition, the refueling record corresponding to the fuel card identifier to be tested is normal and there is no risk. The second judgment module is used to confirm that the refueling record is abnormal and poses a risk if the positioning distance does not meet the refueling distance condition.

6. A computer device comprising a memory and a processor, wherein the memory stores computer-readable instructions, and the processor, when executing the computer-readable instructions, implements the steps of the risk management method for the use of fuel cards as described in any one of claims 1 to 4.

7. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer-readable instructions, which, when executed by a processor, implement the steps of the risk management method for the use of fuel cards as described in any one of claims 1 to 4.

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