Method for transmitting land data, method and device for processing loan application

Abstract

The application discloses a kind of sending method of plot data, processing method and device of loan application, it is related to financial information service technical field.The specific embodiment of the method includes: receiving plot data authorization application from second server, including: the factor information of target farmer in the plot data authorization application;According to the factor information, determine the target terminal corresponding to the target farmer, and send the first verification code corresponding to the plot data authorization application to the target terminal;Second verification code is received from the second server;In the case where the first verification code and the second verification code match, the plot data corresponding to the target farmer is generated, and the plot data is sent to the second server.The embodiment can realize the safe use of financial institutions to the plot geographical information of farmer attribution.

Description

Technical Field

[0001] This invention relates to the field of financial information service technology, and in particular to a method for transmitting land parcel data, a method for processing loan applications, and an apparatus. Background Technology

[0002] Compared to traditional financial clients, rural farmers face challenges such as incomplete basic financial data, difficulty in obtaining credit, and difficulty in post-loan management.

[0003] Information on land cultivation and management is closely related to farmers' daily activities. By analyzing the geographical information of farmers' land parcels, we can accurately obtain risk control results for farmers, which can not only increase the loan amount for high-quality farmers, but also effectively reduce the related risks for financial institutions.

[0004] The geographical information of farmers' land parcels involves the geographical distribution of key resources in my country, and the use of this data faces high data security requirements. How to ensure the secure use of farmers' land parcel geographical information by financial institutions is an urgent problem to be solved. Summary of the Invention

[0005] In view of this, embodiments of the present invention provide a method for sending land parcel data, a method for processing loan applications, and an apparatus that enable financial institutions to securely use the geographic information of farmers' land parcels.

[0006] In a first aspect, embodiments of the present invention provide a method for sending land parcel data, applied to a first server, comprising:

[0007] Receive land parcel data authorization requests from a second server, the land parcel data authorization requests including: element information of the target farmer;

[0008] Based on the element information, the target terminal corresponding to the target farmer is determined, and the first verification code corresponding to the land data authorization application is sent to the target terminal;

[0009] Receive the second verification code from the second server;

[0010] If the first verification code matches the second verification code, the land parcel data corresponding to the target farmer is generated and sent to the second server.

[0011] Optionally, before determining the target terminal corresponding to the target farmer based on the element information, the method further includes:

[0012] Perform a matching verification on the element information;

[0013] If the element information passes the matching verification, the step of determining the target terminal corresponding to the target farmer based on the element information is executed.

[0014] Optionally, the land parcel data includes: raster land parcel data;

[0015] The generation of land parcel data corresponding to the target farmer includes:

[0016] Obtain the vector plot data of the target farmer;

[0017] Determine the resolution of the financial institution corresponding to the land parcel data authorization application;

[0018] Based on the resolution, the vector parcel data is converted into raster parcel data.

[0019] Optionally, the raster parcel data includes: graphic number;

[0020] After converting the vector plot data into raster plot data according to the resolution, the process further includes:

[0021] Determine the mapping relationship between the graphic numbers and plot numbers in the raster plot data;

[0022] The mapping relationship is sent to the second server.

[0023] Optionally, converting the vector parcel data into raster parcel data according to the resolution includes:

[0024] Determine the coordinate gain parameter and coordinate offset parameter;

[0025] Generate a transformation matrix based on the resolution;

[0026] Using the transformation matrix, the coordinate gain parameter, and the coordinate offset parameter, the vector plot data is converted into raster plot data;

[0027] After converting the vector plot data into raster plot data according to the resolution, the process further includes:

[0028] Generate the concatenated field corresponding to the resolution, the coordinate gain parameter, and the coordinate offset parameter, and encrypt the concatenated field using a public key;

[0029] The encrypted concatenated field is sent to the second server.

[0030] Secondly, embodiments of the present invention provide a method for processing loan applications, applied to a second server, comprising:

[0031] Receive loan applications targeted at specific farmers;

[0032] Generate and send a land parcel data authorization application corresponding to the loan application to the first server;

[0033] The system receives a second verification code sent by the target terminal and forwards the second verification code to the first server; wherein the target terminal is the terminal corresponding to the target farmer, and the second verification code corresponds to the land data authorization application;

[0034] The system receives land parcel data returned by the first server and uses the land parcel data to process the loan application.

[0035] Optionally, processing the loan application using the land parcel data includes:

[0036] Based on the land parcel data, determine the geographical information of at least one land parcel belonging to the target farmer;

[0037] Based on the geographical information of the assigned land parcels, obtain the crop planting information corresponding to each assigned land parcel;

[0038] Based on the crop planting information corresponding to each of the aforementioned plots, the risk assessment results for the target farmers are determined;

[0039] The loan application is processed based on the risk assessment results.

[0040] Optionally, the land parcel data includes: raster land parcel data;

[0041] The step of determining the geographical information of at least one affiliated land parcel corresponding to the target farmer based on the land parcel data includes:

[0042] Determine the resolution of the financial institution corresponding to the land parcel data authorization application;

[0043] Based on the resolution, the raster parcel data is converted into vector parcel data;

[0044] Based on the vector plot data, determine the geographical information of at least one plot of land belonging to the target farmer.

[0045] Optionally, the raster parcel data includes: graphic number;

[0046] The step of converting the raster parcel data into vector parcel data according to the resolution includes:

[0047] Receive the mapping relationship between graphic numbers and land parcel numbers from the first server;

[0048] Based on the resolution, the raster plot data is converted into vector graphic data, the vector graphic data including: graphic number;

[0049] Based on the mapping relationship, the vector graphic data is converted into the vector plot data.

[0050] Optionally, determining the resolution of the financial institution corresponding to the land parcel data authorization application includes:

[0051] Determining the resolution of the financial institution corresponding to the land parcel data authorization application includes:

[0052] Receive the concatenated field from the first server;

[0053] The concatenated field is decrypted using a private key to determine the resolution, coordinate gain parameter, and coordinate offset parameter;

[0054] The step of converting the raster parcel data into vector parcel data according to the resolution includes:

[0055] Generate a transformation matrix based on the resolution;

[0056] The raster parcel data is converted into vector parcel data using the transformation matrix, the coordinate gain parameter, and the coordinate offset parameter.

[0057] Thirdly, embodiments of the present invention provide a land parcel data transmission device, applied to a first server, comprising:

[0058] The application receiving module is used to receive land data authorization applications from the second server, wherein the land data authorization applications include: element information of the target farmers;

[0059] The verification code sending module is used to determine the target terminal corresponding to the target farmer based on the element information, and send the first verification code corresponding to the land data authorization application to the target terminal.

[0060] A verification code receiving module is used to receive a second verification code from the second server;

[0061] The data sending module is used to generate land parcel data corresponding to the target farmer when the first verification code matches the second verification code, and to send the land parcel data to the second server.

[0062] Optionally, the device further includes:

[0063] The verification module is used to perform matching verification on the element information;

[0064] If the element information passes the matching verification, the step of determining the target terminal corresponding to the target farmer based on the element information is executed.

[0065] Optionally, the land parcel data includes: raster land parcel data;

[0066] The data sending module is specifically used for:

[0067] Obtain the vector plot data of the target farmer;

[0068] Determine the resolution of the financial institution corresponding to the land parcel data authorization application;

[0069] Based on the resolution, the vector parcel data is converted into raster parcel data.

[0070] Fourthly, embodiments of the present invention provide a loan application processing apparatus, applied to a second server, comprising:

[0071] The application receiving module is used to receive loan applications from targeted farmers.

[0072] The application sending module is used to generate and send the land parcel data authorization application corresponding to the loan application to the first server;

[0073] The verification code forwarding module is used to receive the second verification code sent by the target terminal corresponding to the target farmer, and forward the second verification code to the first server. The second verification code corresponds to the land data authorization application.

[0074] The application processing module is used to receive land parcel data returned by the first server and process the loan application using the land parcel data.

[0075] Optionally, the application processing module is specifically used for:

[0076] Based on the land parcel data, determine the geographical information of at least one land parcel belonging to the target farmer;

[0077] Based on the geographical information of the assigned land parcels, obtain the crop planting information corresponding to each assigned land parcel;

[0078] Based on the crop planting information corresponding to each of the aforementioned plots, the risk assessment results for the target farmers are determined;

[0079] The loan application is processed based on the risk assessment results.

[0080] Optionally, the land parcel data includes: raster land parcel data;

[0081] The application processing module is specifically used for:

[0082] Determine the resolution of the financial institution corresponding to the land parcel data authorization application;

[0083] Based on the resolution, the raster parcel data is converted into vector parcel data;

[0084] Based on the vector plot data, determine the geographical information of at least one plot of land belonging to the target farmer.

[0085] Fifthly, embodiments of the present invention provide an electronic device, comprising:

[0086] One or more processors;

[0087] Storage device for storing one or more programs.

[0088] When the one or more programs are executed by the one or more processors, the one or more processors implement the method described in any of the above embodiments.

[0089] In a sixth aspect, embodiments of the present invention provide a computer-readable medium having a computer program stored thereon, which, when executed by a processor, implements the methods described in any of the above embodiments.

[0090] In a seventh aspect, embodiments of the present invention provide a computer program product, including a computer program that, when executed by a processor, implements the method described in any of the above embodiments.

[0091] One embodiment of the above invention has the following advantages or beneficial effects: A second server receives a farmer's loan application and sends a land data authorization request to a first server; the first server sends a first verification code to the farmer's target terminal; the target farmer forwards the received verification code to the second server; the second server forwards a second verification code received from the target farmer to the first server. When the first verification code matches the second verification code, the first server returns the farmer's land data to the second server. The second server uses the land data to complete the loan review. This embodiment of the invention utilizes the farmer's forwarding of the verification code; only when the farmer's authorization is obtained does the first server return the farmer's land information to the second server. Therefore, it enables financial institutions to securely use the geographical information of the farmer's land.

[0092] The further effects of the aforementioned unconventional alternative methods will be explained below in conjunction with specific implementation methods. Attached Figure Description

[0093] The accompanying drawings are provided to better understand the invention and are not intended to unduly limit the scope of the invention. Wherein:

[0094] Figure 1 This is a flowchart illustrating a method for authorizing and obtaining land parcel data according to the first embodiment of the present invention;

[0095] Figure 2This is a flowchart illustrating a method for sending land parcel data according to a second embodiment of the present invention;

[0096] Figure 3 This is a flowchart illustrating a method for sending land parcel data according to the third embodiment of the present invention;

[0097] Figure 4 This is a schematic diagram of a land parcel structure provided in the third embodiment of the present invention;

[0098] Figure 5 This is a flowchart illustrating a method for desensitizing and encrypting vector land parcel data provided in the third embodiment of the present invention;

[0099] Figure 6 This is a schematic diagram of a raster data structure provided in the third embodiment of the present invention;

[0100] Figure 7 This is a flowchart illustrating a loan application processing method provided in the fourth embodiment of the present invention;

[0101] Figure 8 This is a flowchart illustrating a loan application processing method provided in the fifth embodiment of the present invention;

[0102] Figure 9 This is a schematic diagram of the structure of a land parcel data transmission device provided in one embodiment of the present invention;

[0103] Figure 10 This is a schematic diagram of the structure of a loan application processing device provided in one embodiment of the present invention;

[0104] Figure 11 This is a schematic diagram of the structure of a computer system suitable for implementing terminal devices or servers of the present invention. Detailed Implementation

[0105] The following description, in conjunction with the accompanying drawings, illustrates exemplary embodiments of the present invention, including various details to aid understanding. These details should be considered merely exemplary. Therefore, those skilled in the art will recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the invention. Similarly, for clarity and brevity, descriptions of well-known functions and structures are omitted in the following description.

[0106] The acquisition, storage, use, and processing of data in this application all comply with the relevant provisions of national laws and regulations.

[0107] Figure 1 This is a flowchart illustrating a land parcel data authorization acquisition method provided in the first embodiment of the present invention, as shown below. Figure 1 As shown, the method includes:

[0108] Farmers seeking loans provide their information to financial institutions to initiate loan applications. Upon receiving the application, the financial institution transmits the farmer's three key pieces of information (name, ID card number, and mobile phone number) to the government, initiating a land data authorization request. The government verifies the matching of these three elements and, upon successful verification, sends a first verification code to the farmer's mobile phone. The farmer enters this verification code into the financial institution's application system. The financial institution then uses a second verification code received from the farmer to request the corresponding land data from the government. After successful verification, the government returns de-identified and encrypted land data. The financial institution then restores the received land data for subsequent use.

[0109] It should be noted that the application solutions involving government organizations are deployed on the first server in this embodiment of the invention, while the application solutions involving financial institutions are deployed on the second server in this embodiment of the invention.

[0110] Figure 2 This is a flowchart illustrating a method for sending land parcel data according to a second embodiment of the present invention, applied to a first server, such as... Figure 2 As shown, the method includes:

[0111] Step 201: Receive a land parcel data authorization request from the second server. The land parcel data authorization request includes the target farmer's element information.

[0112] The method of this invention is applied to a first server. The first server corresponds to a server that stores data on farmers' planting plots. The second server corresponds to a financial institution's server. After receiving a loan request from a target farmer, the financial institution sends an authorization application for the land plot data corresponding to that target farmer to the first server.

[0113] The land parcel data authorization application includes key information about the target farmers. This key information includes details related to the target farmers, such as: name, ID card number, mobile phone number, administrative village, and region.

[0114] Step 202: Based on the element information, determine the target terminal corresponding to the target farmer, and send the first verification code corresponding to the land data authorization application to the target terminal.

[0115] Based on the information, the target farmer's mobile phone number can be determined, and the first verification code can be sent to the target terminal corresponding to the target farmer's mobile phone number.

[0116] Step 203: Receive the second verification code from the second server.

[0117] After receiving the first verification code, the target farmer can forward it to the second server. The second server then forwards the received verification code back to the first server.

[0118] Step 204: If the first verification code matches the second verification code, generate the land data corresponding to the target farmer and send the land data to the second server.

[0119] If the first verification code matches the second verification code, it means the target farmer will receive the verification code and correctly send it to the second server. Therefore, the first server can only return the farmer's land information to the second server with the farmer's authorization.

[0120] In this embodiment of the invention, a second server receives a farmer's loan application and sends a land data authorization request to a first server. The first server sends a first verification code to the farmer's target terminal. The farmer forwards the received verification code to the second server. The second server forwards a second verification code to the first server. When the first and second verification codes match, the second server returns the farmer's land data to the second server. The second server uses the land data to complete the loan review. This embodiment of the invention utilizes the farmer's forwarding of the verification code; only with the farmer's authorization can the first server return the farmer's land information to the second server. Therefore, it enables financial institutions to securely use the geographical information of the farmer's land.

[0121] In one embodiment of the present invention, before determining the target terminal corresponding to the target farmer based on the element information, the method further includes: performing a matching verification on the element information; if the element information passes the matching verification, performing the step of determining the target terminal corresponding to the target farmer based on the element information. The matching verification is used to determine whether the farmer information corresponding to the land parcel data authorization application is accurate. If the element information fails the matching verification, a matching verification failure prompt message is returned to the second server.

[0122] Figure 3 This is a flowchart illustrating a method for sending land parcel data according to a third embodiment of the present invention, applied to a first server, such as... Figure 3 As shown, the method includes:

[0123] Step 301: Receive a land parcel data authorization request from the second server. The land parcel data authorization request includes the target farmer's element information.

[0124] Step 302: Based on the element information, determine the target terminal corresponding to the target farmer, and send the first verification code corresponding to the land data authorization application to the target terminal.

[0125] Step 303: Receive the second verification code from the second server.

[0126] After receiving the first verification code, the target farmer can forward it to the second server. The second server then forwards the received verification code back to the first server.

[0127] Step 304: If the first verification code matches the second verification code, obtain the vector plot data of the target farmer.

[0128] Step 305: Determine the resolution of the financial institution corresponding to the land parcel data authorization application.

[0129] Based on the resolution, vector parcel data is converted into raster parcel data, similar to downsampling vector parcel data at different resolutions to obtain raster parcel data. This reduces the precision of the parcel data and lowers the risk of information leakage.

[0130] Step 306: Based on the resolution, convert the vector parcel data into raster parcel data and send the parcel data to the second server. Vector parcel data is a major form of geographic information data. It represents geographic entities such as points, lines, and polygons as accurately as possible by recording coordinates. The coordinate space is set to continuous, allowing precise definitions of arbitrary location, length, and area. Its attribute information includes textual descriptions such as annotations. Vector parcel data can be saved in shapefile format, and a shapefile file can store data information for one or more parcels.

[0131] The land parcel data stored on the first server consists of two parts: geographic information and attribute tables of vector data. The geographic information includes the geographical coordinates of the land parcel, as well as shape information composed of points, lines, and polygons. The geographic information can be saved in shapefile format. Figure 4 This is a schematic diagram of a land parcel structure provided in the second embodiment of the present invention. If a shapefile is opened with geoprocessing software, a similar structure can be seen. Figure 4 The plot structure shown.

[0132] exist Figure 4 The land parcel structure shown comprises four regions, each corresponding to a specific land parcel. The four regions are numbered 10021, 10022, 10023, and 10024. Each land parcel has geographic coordinates, allowing for precise mapping to its exact location on the map.

[0133] The attribute table of vector data is similar to that of a traditional relational database, storing the attributes of multiple records, with each record corresponding to information about a single vector land parcel. Records may include: parcel code, operator, permit number, start time, and end time, etc.

[0134] When using the data, you can first query the attribute table for a specific farmer's record using the identification number. This record stores the farmer's vector plot data. This allows you to obtain the location and shape of the plot. Then, by spatially overlaying it with other result data, such as raster data of planting conditions from satellite remote sensing, you can obtain the crop planting situation of the farmer's assigned plot.

[0135] Figure 5 This is a flowchart illustrating a method for de-identifying and encrypting vector land parcel data according to the third embodiment of the present invention. Figure 5 As shown, the method includes:

[0136] Step S01: Import the shapefile into the vector database. The vector database can be supported by the underlying data from the open-source component PostGIS.

[0137] Step S02: Obtain the specified vector parcel data through user information query. The open-source component GDAL can generate a geospatial object of geometry and store it in memory. The operations mentioned below are also based on the methods provided by GDAL.

[0138] Step S03: Set the vector-to-raster data transformation parameters according to the resolution of the image output configured by the current financial institution.

[0139] The resolution here represents the physical distance represented by one pixel in the raster image, in meters. Changing the resolution can appropriately reduce the precision of vector parcel data; this is an irreversible process.

[0140] Step S04: Randomly generate coordinate gain parameters and coordinate offset parameters.

[0141] Step S05: Calculate the transformation matrix and generate raster plot data from the vector plot data using the GDAL interface according to the set deformation parameters. Each raster plot data retains one band, and the band value represents the graphic number to which that raster belongs.

[0142] Raster plot data consists of individual square color blocks, where each square represents a meter, indicating the resolution of the raster data. Raster plot data can be saved in common formats such as JPG, PNG, and TIFF. When raster plot data is magnified, it appears as a series of intersecting grids.

[0143] Figure 6 This is a schematic diagram of a raster data structure provided in the third embodiment of the present invention. For example... Figure 6 As shown, Figure 6This is a schematic diagram of a raster image magnified to pixel level, where each small square represents a pixel, and the number on the square is a band value. The band value represents the plot's graphic number within that image. All pixels together constitute the shape information of the plot being queried, but the raster image itself does not carry coordinate information.

[0144] Based on the resolution, a transformation matrix is ​​generated. Using the transformation matrix, coordinate gain parameters, and coordinate offset parameters, the vector plot data is converted into raster plot data. The transformation matrix is ​​used to reduce the precision of the vector plot data; that is, the original vector plot data is downsampled according to the resolution. The downsampling process involves lossy transformation, and the second server cannot restore the received raster plot data to the original vector plot data with the original precision, thereby reducing the risk of farmers' plot data being leaked.

[0145] First, a transformation matrix is ​​used to convert the original vector parcel data into downsampled data. Then, coordinate gain and coordinate offset parameters are used to convert the downsampled data into the final raster parcel data. The coordinate gain parameter is used to scale the downsampled data. The coordinate offset parameter is used to offset the coordinates of the downsampled data.

[0146] It should be noted that the generation method of the transformation matrix and the gain offset method of the data used can both be set according to requirements. The form of the transformation matrix and the gain offset method of the data used are not unique. The purpose is to further protect the security of farmers' land parcel data in cases where resolution, coordinate gain parameters, and coordinate offset parameters are unavailable, as it is impossible to restore raster parcel data to vector parcel data.

[0147] Step S06: Based on the land parcel number obtained from this query, generate a mapping relationship between the graphic number and the land parcel number.

[0148] The mapping relationship is as follows: 1: "10021"; 2: "10024". Here, 1 and 2 represent the graphic number. "10021" and "10024" represent the plot number. This mapping relationship also needs to be sent to the second server so that the second server can parse out the vector plot data containing the plot number based on the mapping relationship. The plot number serves as a globally unique identifier for the plot and plays an identification role in subsequent applications.

[0149] Step S07: Concatenate the coordinate transformation parameters using commas to obtain the concatenated field, and encrypt it using the public key corresponding to the financial institution. The coordinate transformation parameters include: resolution coordinate gain parameter and coordinate offset parameter.

[0150] Step S08: Finally, a return message is generated and sent to the financial institution. The return message includes: the encrypted concatenated fields, the mapping relationship between the graphic number and the plot number, and the raster plot data.

[0151] After receiving the encrypted concatenated field, the second server decrypts it using the private key corresponding to the financial institution to obtain the resolution coordinate gain parameters and coordinate offset parameters. Asymmetric encryption is used to reduce the risk of data theft during transmission.

[0152] This invention provides a process for obtaining vector land parcel data on demand with authorization, rather than obtaining it all at once. It also includes an authorization process for farmers, which can effectively prevent data abuse by financial institutions.

[0153] Furthermore, the vector land parcel data desensitization and encryption scheme provided in this embodiment of the invention is an irreversible process. First, a lossy conversion is performed according to the set resolution, and it is impossible to restore the vector data to its original accuracy. The vector-to-raster conversion itself is also a lossy conversion technique. Second, other sensitive information about farmers attached to the vector data is removed, and only the land parcel codes useful to financial institutions are retained. This reduces the harm caused by data leakage after being sent from financial institutions.

[0154] Furthermore, unlike traditional offline transmission methods, the solution in this invention effectively improves data real-time performance and validity, reducing the risk of erroneous credit granting by financial institutions due to the use of outdated data. On-demand online data transmission also reduces offline circulation links, lowering the risk of data leakage.

[0155] Figure 7 This is a flowchart illustrating a loan application processing method provided in the third embodiment of the present invention, as shown below. Figure 7 As shown, the method includes:

[0156] Step 701: Receive loan applications for the target farmers.

[0157] The method of this embodiment of the invention is applied to a second server. The second server can be a server belonging to a financial institution.

[0158] Step 702: Generate and send the land parcel data authorization application corresponding to the loan application to the first server.

[0159] The first server corresponds to the server that stores data on farmers' cultivated land plots. After receiving a loan request from a target farmer, the financial institution sends an authorization application for the land plot data corresponding to that farmer to the first server.

[0160] The land parcel data authorization application includes key information about the target farmers. This key information includes details related to the target farmers, such as: name, ID card number, mobile phone number, administrative village, and region.

[0161] Step 703: Receive the second verification code sent by the target terminal corresponding to the target farmer, and forward the second verification code to the first server.

[0162] The second verification code corresponds to the land parcel data authorization application. The first server identifies the target terminal corresponding to the target farmer and sends the first verification code corresponding to the land parcel data authorization application to the target terminal.

[0163] After receiving the first verification code, the target farmer can send a second verification code to the second server. The second server then forwards the received second verification code to the first server.

[0164] Step 704: Receive the land parcel data returned by the first server and use the land parcel data to process the loan application.

[0165] If the first verification code matches the second verification code, it means that the target farmer will receive the verification code and will correctly send the received verification code to the second server. The first server will then return the target farmer's land information to the second server.

[0166] In this embodiment of the invention, a second server receives a farmer's loan application and sends a land data authorization request to a first server. The first server sends a first verification code to the farmer's target terminal. The farmer forwards the received verification code to the second server. The second server forwards a second verification code to the first server. When the first and second verification codes match, the second server returns the farmer's land data to the second server. The second server uses the land data to complete the loan review. This embodiment of the invention utilizes the farmer's forwarding of the verification code; only with the farmer's authorization can the first server return the farmer's land information to the second server. Therefore, it enables financial institutions to securely use the geographical information of the farmer's land.

[0167] Figure 8 This is a flowchart illustrating a loan application processing method provided in the fourth embodiment of the present invention, as shown below. Figure 8 As shown, the method includes:

[0168] Step 801: Receive loan applications for the target farmers.

[0169] The method of this embodiment of the invention is applied to a second server. The second server can be a server belonging to a financial institution.

[0170] Step 802: Generate and send the land parcel data authorization application corresponding to the loan application to the first server.

[0171] Step 803: Receive the second verification code sent by the target terminal corresponding to the target farmer, and forward the second verification code to the first server.

[0172] Step 804: Receive the land parcel data returned by the first server, and determine the geographical information of at least one land parcel belonging to the target farmer based on the land parcel data.

[0173] Step 805: Obtain crop planting information corresponding to each plot of land based on the geographical information of the plot.

[0174] Step 806: Determine the risk assessment results for the target farmers based on the crop planting information corresponding to each plot of land; process the loan application based on the risk assessment results.

[0175] With the gradual improvement of infrastructure technologies such as satellite remote sensing and artificial intelligence, it is possible to provide monitoring capabilities for agricultural planting information on specific plots, including crop growth, yield forecasts, and disaster warnings. By combining the geographical location information of the target farmers' plots, financial institutions can incorporate agricultural planting data into their risk control systems, improving the quality of financial services and managing financial risks. Specifically, the geographical information of each plot belonging to the target farmers can be spatially overlaid with agricultural planting information such as crop growth, yield forecasts, and disaster warnings through vector data analysis to obtain the planting risk assessment results for the target farmers.

[0176] In one embodiment of the present invention, the land parcel data includes: raster land parcel data; based on the land parcel data, determining the geographic information of at least one affiliated land parcel corresponding to the target farmer includes: determining the resolution of the financial institution corresponding to the land parcel data authorization application; and converting the raster land parcel data into vector land parcel data based on the resolution. The land parcel data restoration process includes:

[0177] Step S11: After receiving the land parcel data returned by the government, the financial institution first decrypts the coordinate transformation parameters using its private key to obtain the resolution, coordinate gain parameters, and coordinate offset parameters, and then calculates the transformation matrix.

[0178] The system receives a concatenated field from the first server; it then decrypts the concatenated field using a private key to determine the resolution, coordinate gain parameter, and coordinate offset parameter. A transformation matrix is ​​generated based on the resolution. The first server encrypts the data using its public key, and the second server decrypts it using its private key, employing asymmetric encryption to reduce the risk of data theft during transmission.

[0179] Step S12: Obtain raster parcel data and convert the raster parcel data into vector parcel graphics.

[0180] Using transformation matrices, coordinate gain parameters, and coordinate offset parameters, raster parcel data is converted into vector parcel data. The raster parcel data includes: graphic IDs; the mapping relationship between graphic IDs and parcel IDs is received from the first server; based on the resolution, the raster parcel data is converted into vector graphic data, which includes: graphic IDs. Specifically, GDAL is used to read the data as a Dataset object, and then the GDAL's Polygonize method is used to convert the raster parcel data into vector parcel graphics.

[0181] Step S13: Based on the mapping relationship between graphic number and land parcel code, restore the vector graphics to vector land parcel code data.

[0182] The vector graphic data includes: graphic number; receiving the mapping relationship between graphic number and plot number from the first server; and converting the vector graphic data into vector plot data according to the mapping relationship.

[0183] It should be noted that the first server uses a lossy conversion when converting the original vector plot data into raster plot data. Therefore, the second server cannot restore the received raster plot data to the original vector plot data with its original precision. This method reduces the risk of excessive leakage of farmers' plot data.

[0184] Step S14: Based on the plot number or geographical location information of each location in the vector plot data of the target farmers, perform spatial overlay operation on the vector plot data of the target farmers and the crop condition data to extract the risk assessment data of the target farmers.

[0185] Crop data can include agricultural planting information such as crop growth, yield forecasts, and disaster warnings. It also includes plot numbers or geographical location information. Based on these plot numbers or geographical location information, the planting status of target farmers can be monitored, which can not only increase loan amounts for high-quality farmers but also effectively reduce related risks for financial institutions.

[0186] Figure 9 This is a schematic diagram of a land parcel data transmission device provided in an embodiment of the present invention, applied to a first server, such as... Figure 9 As shown, the device includes:

[0187] The application receiving module 901 is used to receive land data authorization applications from the second server, wherein the land data authorization applications include: element information of the target farmers;

[0188] The verification code sending module 902 is used to determine the target terminal corresponding to the target farmer based on the element information, and send the first verification code corresponding to the land data authorization application to the target terminal;

[0189] The verification code receiving module 903 is used to receive a second verification code from the second server;

[0190] The data sending module 904 is used to generate land data corresponding to the target farmer when the first verification code matches the second verification code, and to send the land data to the second server.

[0191] Optionally, it also includes:

[0192] The verification module 905 is used to perform a matching verification on the element information;

[0193] If the element information passes the matching verification, the step of determining the target terminal corresponding to the target farmer based on the element information is executed.

[0194] Optionally, the land parcel data includes: raster land parcel data;

[0195] The data transmission module 904 is specifically used for:

[0196] Obtain the vector plot data of the target farmer;

[0197] Determine the resolution of the financial institution corresponding to the land parcel data authorization application;

[0198] Based on the resolution, the vector parcel data is converted into raster parcel data.

[0199] Optionally, the raster parcel data includes: graphic number;

[0200] The data transmission module 904 is specifically used for:

[0201] Determine the mapping relationship between the graphic numbers and plot numbers in the raster plot data;

[0202] The mapping relationship is sent to the second server.

[0203] Optionally, the data sending module 904 is specifically used for:

[0204] Determine the coordinate gain parameter and coordinate offset parameter;

[0205] Generate a transformation matrix based on the resolution;

[0206] Using the transformation matrix, the coordinate gain parameter, and the coordinate offset parameter, the vector plot data is converted into raster plot data;

[0207] Generate the concatenated field corresponding to the resolution, the coordinate gain parameter, and the coordinate offset parameter, and encrypt the concatenated field using a public key;

[0208] The encrypted concatenated field is sent to the second server.

[0209] Figure 10 This is a schematic diagram of a loan application processing device according to an embodiment of the present invention, applied to a second server, such as... Figure 10 As shown, the device includes:

[0210] Application receiving module 1001 is used to receive loan applications for target farmers;

[0211] Application sending module 1002 is used to generate and send the land parcel data authorization application corresponding to the loan application to the first server;

[0212] The verification code forwarding module 1003 is used to receive a second verification code sent by the target terminal and forward the second verification code to the first server; wherein, the target terminal is the terminal corresponding to the target farmer, and the second verification code corresponds to the land data authorization application;

[0213] The application processing module 1004 is used to receive land parcel data returned by the first server and process the loan application using the land parcel data.

[0214] Optionally, the application processing module 1004 is specifically used for:

[0215] Based on the land parcel data, determine the geographical information of at least one land parcel belonging to the target farmer;

[0216] Based on the geographical information of the assigned land parcels, obtain the crop planting information corresponding to each assigned land parcel;

[0217] Based on the crop planting information corresponding to each of the aforementioned plots, the risk assessment results for the target farmers are determined;

[0218] The loan application is processed based on the risk assessment results.

[0219] Optionally, the land parcel data includes: raster land parcel data;

[0220] The application processing module 1004 is specifically used for:

[0221] Determine the resolution of the financial institution corresponding to the land parcel data authorization application;

[0222] Based on the resolution, the raster parcel data is converted into vector parcel data;

[0223] Based on the vector plot data, determine the geographical information of at least one plot of land belonging to the target farmer.

[0224] Optionally, the raster parcel data includes: graphic number;

[0225] The application processing module 1004 is specifically used for:

[0226] Receive the mapping relationship between graphic numbers and land parcel numbers from the first server;

[0227] Based on the resolution, the raster plot data is converted into vector graphic data, the vector graphic data including: graphic number;

[0228] Based on the mapping relationship, the vector graphic data is converted into the vector plot data.

[0229] Optionally, the application processing module 1004 is specifically used for:

[0230] Receive the concatenated field from the first server;

[0231] The concatenated field is decrypted using a private key to determine the resolution, coordinate gain parameter, and coordinate offset parameter;

[0232] Generate a transformation matrix based on the resolution;

[0233] The raster parcel data is converted into vector parcel data using the transformation matrix, the coordinate gain parameter, and the coordinate offset parameter.

[0234] This invention provides an electronic device, comprising:

[0235] One or more processors;

[0236] Storage device for storing one or more programs.

[0237] When one or more programs are executed by one or more processors, the one or more processors implement the methods of any of the above embodiments.

[0238] This invention provides a computer program product, including a computer program that, when executed by a processor, implements the enterprise risk assessment method of this invention.

[0239] The following is for reference. Figure 11 It shows a schematic diagram of the structure of a computer system 1100 suitable for implementing a terminal device of the present invention. Figure 11The terminal device shown is merely an example and should not impose any limitations on the functionality and scope of use of the embodiments of the present invention.

[0240] like Figure 11 As shown, the computer system 1100 includes a central processing unit (CPU) 1101, which can perform various appropriate actions and processes based on programs stored in read-only memory (ROM) 1102 or programs loaded from storage section 1108 into random access memory (RAM) 1103. The RAM 1103 also stores various programs and data required for the operation of the system 1100. The CPU 1101, ROM 1102, and RAM 1103 are interconnected via a bus 1104. An input / output (I / O) interface 1105 is also connected to the bus 1104.

[0241] The following components are connected to I / O interface 1105: an input section 1106 including a keyboard, mouse, etc.; an output section 1107 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and speakers, etc.; a storage section 1108 including a hard disk, etc.; and a communication section 1109 including a network interface card such as a LAN card, modem, etc. The communication section 1109 performs communication processing via a network such as the Internet. A drive 1110 is also connected to I / O interface 1105 as needed. Removable media 1111, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., are installed on drive 1110 as needed so that computer programs read from them can be installed into storage section 1108 as needed.

[0242] In particular, according to the embodiments disclosed in this invention, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, embodiments disclosed in this invention include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for performing the methods shown in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via communication section 1109, and / or installed from removable medium 1111. When the computer program is executed by central processing unit (CPU) 1101, it performs the functions defined above in the system of this invention.

[0243] It should be noted that the computer-readable medium shown in this invention can be a computer-readable signal medium or a computer-readable storage medium, or any combination thereof. A computer-readable storage medium can be, for example,—but not limited to—an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of a computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination thereof. In this invention, a computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. In this invention, a computer-readable signal medium can include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code. Such propagated data signals can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. Computer-readable signal media can also be any computer-readable medium other than computer-readable storage media, which can send, propagate, or transmit a program for use by or in connection with an instruction execution system, apparatus, or device. The program code contained on the computer-readable medium can be transmitted using any suitable medium, including but not limited to: wireless, wire, optical fiber, RF, etc., or any suitable combination thereof.

[0244] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of the present invention. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0245] The modules described in the embodiments of the present invention can be implemented in software or hardware. The described modules can also be housed in a processor, and for example, can be described as: an application receiving module, a verification code sending module, a verification code receiving module, and a data sending module. The names of these modules do not necessarily limit the module itself; for example, the application receiving module can also be described as "a module that receives land parcel data authorization applications from a second server."

[0246] In another aspect, the present invention also provides a computer-readable medium, which may be included in the device described in the above embodiments; or it may exist independently and not assembled into the device. The computer-readable medium carries one or more programs, which, when executed by the device, cause the device to include:

[0247] Receive land parcel data authorization requests from a second server, the land parcel data authorization requests including: element information of the target farmer;

[0248] Based on the element information, the target terminal corresponding to the target farmer is determined, and the first verification code corresponding to the land data authorization application is sent to the target terminal;

[0249] Receive the second verification code from the second server;

[0250] If the first verification code matches the second verification code, the land parcel data corresponding to the target farmer is generated and sent to the second server.

[0251] According to the technical solution of this embodiment of the invention, a second server receives a loan application from a farmer and sends a land data authorization application to a first server; the first server sends a first verification code to the farmer's target terminal; the target farmer forwards the received verification code to the second server; the second server forwards a second verification code received from the target farmer to the first server. When the first verification code matches the second verification code, the first server returns the farmer's land data to the second server. The second server uses the land data to complete the loan review. This embodiment of the invention utilizes the farmer's forwarding of the verification code; only when the farmer's authorization is obtained does the first server return the farmer's land information to the second server. Therefore, it enables financial institutions to securely use the geographical information of the farmer's land.

[0252] The specific embodiments described above do not constitute a limitation on the scope of protection of this invention. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can occur depending on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of this invention should be included within the scope of protection of this invention.

Claims

1. A method for transmitting land parcel data, characterized in that, Applied to the first server, it also includes: Receive land parcel data authorization requests from a second server, the land parcel data authorization requests including: element information of the target farmer; Based on the element information, the target terminal corresponding to the target farmer is determined, and the first verification code corresponding to the land data authorization application is sent to the target terminal; Receive a second verification code from the second server; wherein, after the target farmer receives the first verification code, he forwards the first verification code to the second server, and the second server forwards the received verification code to the first server; If the first verification code matches the second verification code, the land parcel data corresponding to the target farmer is generated and sent to the second server; The land parcel data includes: raster land parcel data; The step of generating land parcel data corresponding to the target farmer includes: acquiring vector land parcel data of the target farmer; determining the resolution of the financial institution corresponding to the land parcel data authorization application; and converting the vector land parcel data into raster land parcel data according to the resolution. The step of converting the vector land parcel data into raster land parcel data according to the resolution includes: generating a transformation matrix according to the resolution; determining coordinate gain parameters and coordinate offset parameters; and converting the vector land parcel data into raster land parcel data using the transformation matrix, the coordinate gain parameters, and the coordinate offset parameters. After converting the vector plot data into raster plot data according to the resolution, the method further includes: generating a splicing field corresponding to the resolution, the coordinate gain parameter, and the coordinate offset parameter, and encrypting the splicing field using a public key; and sending the encrypted splicing field to the second server.

2. The method according to claim 1, characterized in that, Before determining the target terminal corresponding to the target farmer based on the element information, the method further includes: Perform a matching verification on the element information; If the element information passes the matching verification, the step of determining the target terminal corresponding to the target farmer based on the element information is executed.

3. The method according to claim 1, characterized in that, The raster plot data includes: graphic number; After converting the vector plot data into raster plot data according to the resolution, the process further includes: Determine the mapping relationship between the graphic numbers and plot numbers in the raster plot data; The mapping relationship is sent to the second server.

4. A method for processing loan applications, characterized in that, Applied to the second server, including: Receive loan applications targeted at specific farmers; Generate and send a land parcel data authorization application corresponding to the loan application to the first server; The system receives a second verification code sent by the target terminal and forwards the second verification code to the first server; wherein the target terminal is the terminal corresponding to the target farmer, and the second verification code corresponds to the land data authorization application; The system receives land parcel data returned by the first server and uses the land parcel data to process the loan application.

5. The method according to claim 4, characterized in that, The process of processing the loan application using the land parcel data includes: Based on the land parcel data, determine the geographical information of at least one land parcel belonging to the target farmer; Based on the geographical information of the assigned land parcels, obtain the crop planting information corresponding to each assigned land parcel; Based on the crop planting information corresponding to each of the aforementioned plots, the risk assessment results for the target farmers are determined; The loan application is processed based on the risk assessment results.

6. The method according to claim 5, characterized in that, The land parcel data includes: raster land parcel data; The step of determining the geographical information of at least one affiliated land parcel corresponding to the target farmer based on the land parcel data includes: Determine the resolution of the financial institution corresponding to the land parcel data authorization application; Based on the resolution, the raster parcel data is converted into vector parcel data; Based on the vector plot data, determine the geographical information of at least one plot of land belonging to the target farmer.

7. The method according to claim 6, characterized in that, The raster plot data includes: graphic number; The step of converting the raster parcel data into vector parcel data according to the resolution includes: Receive the mapping relationship between graphic numbers and land parcel numbers from the first server; Based on the resolution, the raster plot data is converted into vector graphic data, the vector graphic data including: graphic number; Based on the mapping relationship, the vector graphic data is converted into the vector plot data.

8. The method according to claim 6, characterized in that, Determining the resolution of the financial institution corresponding to the land parcel data authorization application includes: Receive the concatenated field from the first server; The concatenated field is decrypted using a private key to determine the resolution, coordinate gain parameter, and coordinate offset parameter; The step of converting the raster parcel data into vector parcel data according to the resolution includes: Generate a transformation matrix based on the resolution; The raster parcel data is converted into vector parcel data using the transformation matrix, the coordinate gain parameter, and the coordinate offset parameter.

9. A device for transmitting land parcel data, characterized in that, Applied to the first server, it also includes: The application receiving module is used to receive land data authorization applications from the second server, wherein the land data authorization applications include: element information of the target farmers; The verification code sending module is used to determine the target terminal corresponding to the target farmer based on the element information, and send the first verification code corresponding to the land data authorization application to the target terminal. The verification code receiving module is used to receive a second verification code from the second server; wherein, after the target farmer receives the first verification code, he forwards the first verification code to the second server, and the second server forwards the received verification code to the first server; The data sending module is used to generate land parcel data corresponding to the target farmer when the first verification code matches the second verification code, and to send the land parcel data to the second server; The land parcel data includes: raster land parcel data; the data sending module is specifically used to: acquire the vector land parcel data of the target farmer; determine the resolution of the financial institution corresponding to the land parcel data authorization application; and convert the vector land parcel data into raster land parcel data according to the resolution; The data transmission module is specifically used for: generating a transformation matrix based on the resolution; determining coordinate gain parameters and coordinate offset parameters; and converting the vector plot data into raster plot data using the transformation matrix, the coordinate gain parameters, and the coordinate offset parameters. The data sending module is specifically used to: generate a concatenated field corresponding to the resolution, the coordinate gain parameter, and the coordinate offset parameter, and encrypt the concatenated field using a public key; and send the encrypted concatenated field to the second server.

10. The apparatus according to claim 9, characterized in that, Also includes: The verification module is used to perform matching verification on the element information; If the element information passes the matching verification, the step of determining the target terminal corresponding to the target farmer based on the element information is executed.

11. A loan application processing device, characterized in that, Applied to the second server, including: The application receiving module is used to receive loan applications from targeted farmers. The application sending module is used to generate and send the land parcel data authorization application corresponding to the loan application to the first server; The verification code forwarding module is used to receive a second verification code sent by the target terminal and forward the second verification code to the first server; wherein, the target terminal is the terminal corresponding to the target farmer, and the second verification code corresponds to the land data authorization application; The application processing module is used to receive land parcel data returned by the first server and process the loan application using the land parcel data.

12. The apparatus according to claim 11, characterized in that, The application processing module is specifically used for: Based on the land parcel data, determine the geographical information of at least one land parcel belonging to the target farmer; Based on the geographical information of the assigned land parcels, obtain the crop planting information corresponding to each assigned land parcel; Based on the crop planting information corresponding to each of the aforementioned plots, the risk assessment results for the target farmers are determined; The loan application is processed based on the risk assessment results.

13. The apparatus according to claim 12, characterized in that, The land parcel data includes: raster land parcel data; The application processing module is specifically used for: Determine the resolution of the financial institution corresponding to the land parcel data authorization application; Based on the resolution, the raster parcel data is converted into vector parcel data; Based on the vector plot data, determine the geographical information of at least one plot of land belonging to the target farmer.

14. An electronic device, characterized in that, include: One or more processors; Storage device for storing one or more programs. When the one or more programs are executed by the one or more processors, the one or more processors implement the method as described in any one of claims 1-8.

15. A computer-readable medium having a computer program stored thereon, characterized in that... When the program is executed by the processor, it implements the method as described in any one of claims 1-8.

16. A computer program product, comprising a computer program, characterized in that, When the computer program is executed by a processor, it implements the method as described in any one of claims 1-8.

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