System and method for driver advance draw on network freight platform based on risk assessment

Abstract

The application discloses a network freight platform driver advance withdrawal of freight system and method based on risk assessment, relates to the freight withdrawal technology field of network freight platform, and comprises the following steps: a data collection module: used for collecting the historical transaction data, credit record, freight transportation completion condition of the driver, collecting the recent order placing condition of the consignor, and judging whether to allow the loan; a risk assessment module: based on the collected data, the credit level of the driver and the risk of the advance withdrawal of freight are assessed, and the risk of the timely payment of freight of the consignor is assessed; through the cooperation of the risk assessment module, the quota determination module and the fund payment module and other modules, the loanable quota of the driver and whether the consignor can open the driver loan function can be accurately evaluated, the function that the driver can advance withdrawal of freight is realized, the fund liquidity of the driver is improved, and meanwhile, the economic safety of the network freight platform is ensured.

Description

Technical Field

[0001] The present invention relates to the technical field of freight withdrawal technology for online freight platforms, and in particular to a system and method for online freight platform drivers to withdraw freight in advance based on risk assessment. Background Art

[0002] With the rapid development of online freight platforms, transactions between drivers and shippers are becoming increasingly convenient. However, in practice, shippers typically pay drivers freight only after financial reconciliation, a delay that can be as long as a month. This payment method places significant pressure on drivers' cash flow, especially when faced with emergencies or urgent funding needs. Therefore, a risk-based system and method for prepayment of freight by drivers on online freight platforms is needed to address this issue. Summary of the Invention

[0003] The purpose of the present invention is to provide a system and method for drivers of an online freight platform to withdraw freight in advance based on risk assessment, so as to solve the problems existing in the prior art raised in the above background technology.

[0004] To achieve the above object, the present invention provides the following technical solutions:

[0005] The risk-assessment-based system for online freight platform drivers to receive freight in advance includes:

[0006] Data collection module: used to collect the driver's historical transaction data, credit records, cargo transportation completion status, collect the shipper's recent order information, and determine whether to allow the loan;

[0007] Risk Assessment Module: Based on the collected data, the module assesses the driver's credit rating and the risk of premature freight payments, as well as the risk of timely freight payments by the shipper.

[0008] Credit determination module: Based on the risk assessment results, it determines the maximum amount of freight that the driver can withdraw in advance and whether the corresponding shipper can activate the advance payment function;

[0009] Application processing module: processes drivers' early withdrawal applications, verifies the authenticity of the application information, and approves or rejects the application within the limit;

[0010] Fund payment module: After the application is approved, the corresponding amount of freight will be paid to the driver in advance;

[0011] Repayment module: When the cargo transportation is completed, the receipt is uploaded, and the shipper pays, the platform deducts the prepaid freight from the driver's freight. If the shipper fails to pay the freight for a long time, the driver can also take the initiative to repay;

[0012] Overdue risk control module: If the shipper fails to pay the freight for a long time, the platform will freeze the shipper’s financial account.

[0013] Preferably, the risk assessment module includes a driver authentication assessment module and a cargo owner authentication assessment module.

[0014] Preferably, the driver authentication assessment module includes the following contents:

[0015] Vehicle certification, driving license and road transport license information are complete;

[0016] Driver certification, complete driver's license and ID card information;

[0017] Driver's payment verification;

[0018] The payment account cannot be bound to multiple vehicles;

[0019] Drivers' frequency of carrying waybills is stable;

[0020] The driver has carried the required number of waybills;

[0021] The driver’s loan amount is calculated based on the cumulative number of waybills he / she has carried on the platform and the corresponding freight.

[0022] Preferably, the cargo owner authentication and assessment module includes the following contents:

[0023] The length of time the shipper has been operating on the platform;

[0024] The total amount paid by the shipper on the platform;

[0025] Based on the number of orders issued by the shipper on the platform and the corresponding freight, the shipper's evaluation value for activating the driver loan function is calculated, and based on the evaluation value, it is determined whether the driver loan function can be activated.

[0026] Preferably, the calculation formula for the driver's loan amount is:

[0027] Loan amount = (cumulative number of transport bills × average freight × mileage of transport track × credit score coefficient) / loan risk coefficient × cumulative mileage of transport × cumulative number of compliant waybills.

[0028] Preferably, the calculation formula for the evaluation value of the driver loan function activated by the cargo owner is:

[0029] The evaluation value of the shipper's activation of the driver loan function = (total historical transaction amount × transaction frequency coefficient × shipper's credit score) + (historical score of cooperation with the driver × cooperation stability coefficient) - potential risk factor

[0030] The platform can set a threshold. If the cargo owner's evaluation value for activating the driver loan function exceeds this threshold, then the cargo owner can activate the driver loan function. The threshold can be determined based on the platform's policies and market environment.

[0031] Preferably, the overdue risk control module includes the following contents:

[0032] Notify the driver to repay the money, and the driver will return the freight paid in advance to the platform;

[0033] If the delay exceeds the prescribed period, the shipper’s account on the platform will be frozen until the freight is paid.

[0034] A method for a driver of an online freight platform to withdraw freight in advance based on risk assessment comprises the following steps:

[0035] S1: Through the data collection module, the platform will automatically determine whether the driver and the corresponding shipper are eligible for advance payment of freight, provide a credit limit, and communicate with the shipper about the financial payment period to determine whether the freight is overdue;

[0036] S2: The driver initiates an application for early payment of freight, which can be divided into cash withdrawal and fuel card withdrawal. Cash withdrawal requires a service fee, which will be reviewed by the platform. After the review is passed, the freight payment will be made according to the driver's application;

[0037] S3: For freight that is about to be overdue, the system will remind the shipper to pay the freight and remind the driver to repay the debt proactively. Otherwise, both the shipper and the driver will be blacklisted, unable to use the function of early withdrawal of freight, and the shipper's account on the platform will be frozen;

[0038] S4: There are two repayment methods for freight paid in advance by the driver. One is that the freight is paid by the shipper, and the platform deducts the amount paid in advance from the freight paid and pays the remaining amount to the driver. The other is that the driver actively repays the freight. The driver needs to initiate a repayment application and remit the money to the account designated by the platform. The platform will automatically verify the freight payment data.

[0039] Compared with the prior art, the present invention has the following beneficial effects:

[0040] 1. The present invention can accurately evaluate the driver's loan amount and whether the cargo owner can activate the driver's loan function through the coordinated setting of modules such as the risk assessment module, the loan limit determination module and the fund payment module, thereby realizing the function of the driver withdrawing freight in advance, improving the driver's capital liquidity, and ensuring the economic security of the online freight platform.

[0041] 2. Through the setting of the overdue risk control module, the present invention can track the payment status of the shipper and the repayment status of the driver, realize the payment reminder function of the shipper and the driver, and whether to disable the shipper's driver loan function and the driver's early withdrawal function, further ensuring the security of the online freight platform. BRIEF DESCRIPTION OF THE DRAWINGS

[0042] Fig. 1 This is a flow chart of the driver's advance freight withdrawal process according to the present invention.

[0043] Fig. 2 This is a flow chart of the freight overdue payment platform of the present invention. DETAILED DESCRIPTION

[0044] In order to make the technical means, creative features, objectives and effects achieved by the present invention easier to understand, the present invention is further described below in conjunction with specific implementation methods.

[0045] See also Figs. 1-2 , the present invention provides the following technical solutions:

[0046] The risk-assessment-based system for online freight platform drivers to receive freight in advance includes:

[0047] (1) Data collection module: used to collect the driver's historical transaction data, credit records, cargo transportation completion status, collect the shipper's recent order information, and determine whether to allow the loan.

[0048] (2) Risk Assessment Module: Based on the collected data, the driver's credit rating and the risk of premature freight withdrawal are assessed, and the risk of the shipper's timely payment of freight is assessed; the risk assessment module includes a driver authentication assessment module and a shipper authentication assessment module.

[0049] The driver certification assessment module includes the following:

[0050] Vehicle certification, driving license and road transport license information are complete;

[0051] Driver certification, complete driver's license and ID card information;

[0052] Verification of the driver's payment receipt, e.g. the driver personally received payment for the last three orders, and the payment account name is the same as the driver's name;

[0053] The payment account cannot be bound to multiple vehicles;

[0054] Driver's frequency of carrying waybills is stable, e.g. the driver's frequency of carrying waybills is stable in the past month, with fluctuations of no more than 20%;

[0055] The driver has handled more than 5 waybills in the past 10 months;

[0056] The driver’s loan amount is calculated based on the cumulative number of waybills he / she has carried on the platform and the corresponding freight.

[0057] The cargo owner authentication and assessment module includes the following contents:

[0058] The length of time the shipper has been operating on the platform, such as whether the shipper has been operating stably on the platform for more than one month;

[0059] The total amount paid by the consignor on the platform, such as whether the consignor has paid more than 100,000 yuan on the platform;

[0060] Based on the number of orders issued by the shipper on the platform and the corresponding freight, the shipper's evaluation value for activating the driver loan function is calculated, and based on the evaluation value, it is determined whether the driver loan function can be activated.

[0061] (3) Quota determination module: Based on the risk assessment results, it determines the maximum amount of freight that the driver can withdraw in advance and whether the corresponding cargo owner can activate the function of advance freight payment.

[0062] The calculation formula for the driver's loan amount is:

[0063] Loan amount = (total number of transport orders × average freight × mileage of transport track × credit score coefficient) / loan risk coefficient × cumulative transport mileage × cumulative number of compliant transport orders

[0064] in:

[0065] The cumulative number of waybills carried can be set as: the total number of waybills carried by the driver on the platform in the last three months;

[0066] Average freight rate: The average freight rate for all the driver's orders, which can be calculated by dividing the total freight rate by the number of orders;

[0067] Mileage of the transport track: Whether the driver turned on GPS when carrying the waybill and successfully uploaded the mileage to the platform; Transport track acquisition method and technology: Based on the Beidou GPS terminal device on the truck, according to the JT808 protocol, namely "Technical Requirements and Test Methods for Transportation Vehicle Satellite Positioning System Terminals", all GPS terminal devices support this protocol. By connecting with the GPS terminal device supplier, according to the JT808 protocol, the vehicle's GPS coordinates and driving speed are obtained every 5 minutes, and the coordinate information is saved in the coordinate data server. The overall process is as follows:

[0068] GPS positioning terminal->platform coordinate data server->coordinate trajectory queue->platform data

[0069] By parsing the acquired coordinate information into a visual map and calculating the distance between each GPS coordinate point, the transport track distance corresponding to the waybill can be obtained.

[0070] Credit Score Coefficient: This coefficient is determined based on the driver's credit score. The higher the credit score, the larger the coefficient, indicating better creditworthiness and lower borrowing risk.

[0071] Borrowing risk coefficient: A fixed coefficient used to adjust the loan amount to reflect the platform's assessment of the loan risk. This coefficient can be adjusted according to the platform's policies and market environment.

[0072] Cumulative transport mileage: The cumulative mileage of the waybills carried by the driver reflects the driver's accumulated transport mileage on the platform.

[0073] Cumulative number of compliant waybills: Based on the online freight policy, waybill data needs to be reported to the provincial platform, which will verify the authenticity of the waybills, which reflects the authenticity of the waybills carried by the driver.

[0074] These data ensure the authenticity of freight transportation. When transportation disputes arise, the platform can provide a complete and authentic waybill evidence chain, clarify the responsible party, avoid the platform from being involved in legal disputes, and protect the legal rights and interests of shippers and drivers.

[0075] The calculation formula for the evaluation value of the driver loan function activated by the driver owner is:

[0076] The evaluation value of the shipper's activation of the driver loan function = (total historical transaction amount × transaction frequency coefficient × shipper's credit score) + (historical score of cooperation with the driver × cooperation stability coefficient) - potential risk factor

[0077] in:

[0078] Total historical transaction volume: The total historical transaction volume of the shipper on the platform, which can reflect the shipper's transaction scale and activity.

[0079] Transaction frequency coefficient: A coefficient determined based on the transaction frequency of the cargo owner. The higher the transaction frequency, the larger the coefficient, indicating that the cargo owner is more active in trading.

[0080] Shipper credit score: The shipper’s credit score on the platform, which can reflect the shipper’s reputation and reliability.

[0081] Cooperation history score with the driver: The cooperation history score between the shipper and the driver, which can be comprehensively evaluated based on factors such as the number of cooperation times, cooperation duration, and cooperation satisfaction.

[0082] Cooperation stability coefficient: A coefficient determined based on the stability of the cooperation history between the shipper and the driver. The more stable the cooperation, the larger the coefficient, indicating that the cooperation relationship between the shipper and the driver is more reliable.

[0083] Potential Risk Factor: A factor used to adjust the assessment value, determined based on the platform's assessment of the shipper's potential risk. This factor can be a negative number, used to reduce the assessment value to reflect the impact of potential risk on the activation of the loan function.

[0084] The platform can set a threshold. If the cargo owner's evaluation value for activating the driver loan function exceeds this threshold, then the cargo owner can activate the driver loan function. The threshold can be determined based on the platform's policies and market environment.

[0085] (4) Application processing module: processes the driver's early withdrawal application, verifies the authenticity of the application information, and approves or rejects the application within the limit.

[0086] (5) Fund payment module: After the application is approved, the corresponding amount of freight will be paid to the driver in advance;

[0087] Repayment module: When the cargo transportation is completed, the receipt is uploaded, and the cargo owner pays, the platform deducts the freight paid in advance from the driver's freight. If the cargo owner fails to pay the freight for a long time, the driver can also take the initiative to repay.

[0088] (6) Overdue risk control module: If the shipper fails to pay the freight for a long time, the platform will freeze the shipper’s financial account.

[0089] The overdue risk control module includes the following contents:

[0090] Notify the driver to repay the money, and the driver will return the freight paid in advance to the platform;

[0091] If the delay exceeds the prescribed period, the shipper’s account on the platform will be frozen until the freight is paid.

[0092] The present invention also provides a method for a driver of an online freight platform to withdraw freight in advance based on risk assessment, comprising the following steps:

[0093] S1: Through the data collection module, the platform will automatically determine whether the driver and the corresponding shipper are eligible for advance payment of freight, provide a credit limit, and communicate with the shipper about the financial payment period to determine whether the freight is overdue;

[0094] S2: The driver initiates an application for early payment of freight, which can be divided into cash withdrawal and fuel card withdrawal. Cash withdrawal requires a service fee, which will be reviewed by the platform. After the review is passed, the freight payment will be made according to the driver's application;

[0095] S3: For freight that is about to be overdue, the system will remind the shipper to pay the freight and remind the driver to repay the debt proactively. Otherwise, both the shipper and the driver will be blacklisted, unable to use the function of early withdrawal of freight, and the shipper's account on the platform will be frozen;

[0096] S4: There are two repayment methods for freight paid in advance by the driver. One is that the freight is paid by the shipper, and the platform deducts the amount paid in advance from the freight paid and pays the remaining amount to the driver. The other is that the driver actively repays the freight. The driver needs to initiate a repayment application and remit the money to the account designated by the platform. The platform will automatically verify the freight payment data.

[0097] While embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that various changes, modifications, substitutions, and variations may be made to these embodiments without departing from the principles and spirit of the invention, and that the scope of the invention is defined by the appended claims and their equivalents.

Claims

1. A risk assessment-based system for online freight platform drivers to withdraw freight in advance, characterized by: include: Data collection module: used to collect the driver's historical transaction data, credit records, cargo transportation completion status, collect the shipper's recent order information, and determine whether to allow the loan; Risk Assessment Module: Based on the collected data, the module assesses the driver's credit rating and the risk of premature freight payments, as well as the risk of timely freight payments by the shipper. Credit determination module: Based on the risk assessment results, it determines the maximum amount of freight that the driver can withdraw in advance and whether the corresponding shipper can activate the advance payment function; Application processing module: processes drivers' early withdrawal applications, verifies the authenticity of the application information, and approves or rejects the application within the limit; Fund payment module: After the application is approved, the corresponding amount of freight will be paid to the driver in advance; Repayment module: When the cargo transportation is completed, the receipt is uploaded, and the shipper pays, the platform deducts the prepaid freight from the driver's freight. If the shipper fails to pay the freight for a long time, the driver can also take the initiative to repay; Overdue risk control module: If the shipper fails to pay the freight for a long time, the platform will freeze the shipper’s financial account.

2. The risk assessment-based online freight platform driver advance freight payment system according to claim 1 is characterized in that: The risk assessment module includes a driver authentication assessment module and a cargo owner authentication assessment module.

3. The risk assessment-based online freight platform driver advance freight payment system according to claim 2 is characterized in that: The driver certification assessment module includes the following: Vehicle certification, driving license and road transport license information are complete; Driver certification, complete driver's license and ID card information; Driver's payment verification; The payment account cannot be bound to multiple vehicles; Drivers' frequency of carrying waybills is stable; The driver has carried the required number of waybills; The driver’s loan amount is calculated based on the cumulative number of waybills he / she has carried on the platform and the corresponding freight.

4. The risk assessment-based online freight platform driver advance freight payment system according to claim 2 is characterized in that: The cargo owner authentication and assessment module includes the following contents: The length of time the shipper has been operating on the platform; The total amount paid by the shipper on the platform; Based on the number of orders issued by the shipper on the platform and the corresponding freight, the shipper's evaluation value for activating the driver loan function is calculated, and based on the evaluation value, it is determined whether the driver loan function can be activated.

5. The risk assessment-based online freight platform driver advance freight payment system according to claim 3 is characterized in that: The calculation formula for the driver's loan amount is: Loan amount = (cumulative number of transport bills × average freight × mileage of transport track × credit score coefficient) / loan risk coefficient × cumulative mileage of transport × cumulative number of compliant waybills.

6. The risk assessment-based online freight platform driver advance freight payment system according to claim 4 is characterized in that: The calculation formula for the evaluation value of the cargo owner activating the driver loan function is: The evaluation value of the shipper's activation of the driver loan function = (total historical transaction amount × transaction frequency coefficient × shipper's credit score) + (historical score of cooperation with the driver × cooperation stability coefficient) - potential risk factor The platform can set a threshold. If the cargo owner's evaluation value for activating the driver loan function exceeds this threshold, then the cargo owner can activate the driver loan function. The threshold can be determined based on the platform's policies and market environment.

7. The risk assessment-based online freight platform driver advance freight payment system according to claim 1 is characterized in that: The overdue risk control module includes the following contents: Notify the driver to repay the money, and the driver will return the freight paid in advance to the platform; If the delay exceeds the prescribed period, the shipper’s account on the platform will be frozen until the freight is paid.

8. A method for a risk assessment-based online freight platform driver advance payment system according to any one of claims 1 to 7, characterized in that: The steps include: S1: Through the data collection module, the platform will automatically determine whether the driver and the corresponding shipper are eligible for advance payment of freight, provide a credit limit, and communicate with the shipper about the financial payment period to determine whether the freight is overdue; S2: The driver initiates an application for early payment of freight, which can be divided into cash withdrawal and fuel card withdrawal. Cash withdrawal requires a service fee, which will be reviewed by the platform. After the review is passed, the freight payment will be made according to the driver's application; S3: For freight that is about to be overdue, the system will remind the shipper to pay the freight and remind the driver to repay the debt proactively. Otherwise, both the shipper and the driver will be blacklisted, unable to use the function of early withdrawal of freight, and the shipper's account on the platform will be frozen; S4: There are two repayment methods for freight paid in advance by the driver. One is that the freight is paid by the shipper, and the platform deducts the amount paid in advance from the freight paid and pays the remaining amount to the driver. The other is that the driver actively repays the freight. The driver needs to initiate a repayment application and remit the money to the account designated by the platform. The platform will automatically verify the freight payment data.

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