Advanced fund risk control method and device based on advanced amount, and storage medium

Abstract

The invention relates to a method and a device for realizing advance fund risk control based on an advance amount, and a storage medium, which are applied to the technical field of order advance payment, and comprise the following steps: obtaining historical operation data of a driver, obtaining a right level of the driver according to the historical operation data of the driver, and determining credit advance rights according to the right level. Different assessment levels give different advance rights and interests, the driver can more visually feel the importance of providing higher-quality services, meanwhile, the advance rights and interests comprise an advance period, for the driver with the high right level, the advance period is shorter, the driver can better fit the mind of rapid settlement, the platform viscosity is improved, and the driver experience is improved. According to the invention, for the differentiated advance right issuing of different drivers, the method better meets the requirements of the operation department for differentiated operation, avoids the defects that the fund generated by periodic advance cannot be controlled, the driver enthusiasm is low, the manual maintenance cost is high, and the like, can effectively improve the driver viscosity, and reduces the operation cost and fund risk.

Description

Technical Field

[0001] The present invention relates to the technical field of order advance payment, and in particular to a method, device and storage medium for implementing risk control of advance payment funds based on an advance payment amount. Background Art

[0002] In the online car-hailing business scenario, in order to better improve the driver experience, it is necessary to advance payment for the unpaid orders that the driver has served; order advance payment refers to the function of the platform advance payment to the driver for settlement of completed but unpaid orders. The current implementation plan for order advance payment is usually achieved by periodically pulling the data of completed but unpaid orders for advance payment, which is referred to as periodic advance payment.

[0003] At present, ordinary periodic advance payments have a long advance period, no risk control on advance funds, and cannot be differentiated in operations, which results in drivers having a vague awareness of their level and the rights and interests they have obtained, affecting their enthusiasm for service and increasing the company's financial risks and operating costs. Summary of the invention

[0004] In view of this, the purpose of the present invention is to provide a method, device and storage medium for implementing risk control of advance funds based on the advance amount, so as to solve the problems in the prior art, such as long advance period, no risk control of advance funds, and inability to differentiate operations, which leads to drivers having a unclear perception of their level and the rights and interests they have obtained, affecting the drivers' enthusiasm for service, and will additionally increase the company's financial risks and operating costs.

[0005] According to a first aspect of an embodiment of the present invention, a method for implementing risk control of advance payment funds based on an advance payment amount is provided, the method comprising: At the beginning of each month, the driver's historical operating data is obtained, and the driver's benefit level for that month is obtained based on the driver's historical operating data; According to the driver's equity level for the month, the driver's credit advance payment rights for the month are obtained, and the driver's credit advance payment rights for the month include: advance payment cycle and standard credit limit; Obtaining the driver's real-time credit limit based on the standard credit limit; After the advance payment cycle of the month, the unpaid and unadvance payment orders of the month are obtained at the preset time point every day; According to the chronological order of the unpaid and unadvanced orders of the month, payments are made one by one through the real-time credit line. After each order is paid, the current available credit line is obtained until all the unpaid and unadvanced orders of the month are paid, or the current available credit line is insufficient to pay the amount of the next unpaid and unadvanced order.

[0006] Preferably, it also includes: If any customer has paid a historical advance payment order, the current available credit limit is added to the amount of the historical advance payment order paid by the customer to obtain a new current available credit limit, and the new current available credit limit is used to advance the unpaid and unadvanced orders of the current month.

[0007] Preferably, If any customer has paid for a historical advance payment order, determine whether the historical advance payment order was paid through the driver's credit advance payment rights. If so, add the current available credit limit to the amount of the historical advance payment order paid by the customer to obtain the new current available credit limit; if not, the current available credit limit remains unchanged.

[0008] Preferably, The step of obtaining the driver's real-time credit limit according to the standard credit limit includes: Obtain the total amount of order amounts that the driver has advanced in the past but that customers have not subsequently paid for, and subtract the total amount of order amounts that the driver has advanced in the past but that customers have not subsequently paid for from the standard credit line to obtain the driver's real-time credit line.

[0009] Preferably, After each order is paid, the current available credit limit is obtained until all unpaid and unpaid orders of the month are paid, or the current available credit limit is insufficient to pay the amount of the next unpaid and unpaid order, including: After using the current available credit limit to advance payment for an unpaid, unadvanced order of the month, subtract the amount of the advanced order from the current available credit limit to obtain a new current available credit limit, and use the new current available credit limit to advance payment for the next unpaid, unadvanced order until all unpaid, unadvanced orders of the month have been advanced, or the new current available credit limit is insufficient to pay the amount of the next unpaid, unadvanced order.

[0010] Preferably, The driver's monthly credit advance payment rights and interests, as well as the advance payment cycle and standard credit limit corresponding to the credit advance payment rights and interests are stored in the database; The real-time credit limit of drivers obtained every month is stored in the database; The new current available credit limit obtained after each customer pays a historical advance payment order, and the new current available credit limit obtained after each advance payment of an unpaid order of the current month are stored in the database; A detailed list of the driver's monthly equity advance payments is exported from the database every month.

[0011] According to a second aspect of an embodiment of the present invention, a device for implementing risk control of advance payment funds based on an advance payment amount is provided, the device comprising: Benefit level acquisition module: used to obtain the driver's historical operation data at the beginning of each month, and obtain the driver's benefit level for that month based on the driver's historical operation data; The advance payment rights acquisition module is used to obtain the credit advance payment rights of the driver for the month according to the driver's rights level for the month. The credit advance payment rights of the driver for the month include: advance payment cycle and standard credit limit; Real-time credit limit acquisition module: used to obtain the driver's real-time credit limit according to the standard credit limit; Order acquisition module: used to acquire the unpaid and unadvance-paid orders of the month at a preset time point every day after the advance payment cycle of the month; Advance payment module: used to make advance payments one by one according to the chronological order of the unpaid and unadvanced orders of the month through the real-time credit line. After each order is paid, the current available credit line is obtained until all unpaid and unadvanced orders of the month are paid, or the current available credit line is insufficient to pay the amount of the next unpaid and unadvanced order.

[0012] According to a third aspect of an embodiment of the present invention, there is provided a storage medium, wherein the storage medium stores a computer program, and when the computer program is executed by a main controller, each step in the above method is implemented.

[0013] The technical solution provided by the embodiments of the present invention may have the following beneficial effects: This application obtains the driver's historical operating data, obtains the driver's rights level based on the driver's historical operating data, and determines the credit advance rights based on the rights level. Different assessment levels will grant different advance rights, which will make the driver feel the importance of providing better services more intuitively. At the same time, the advance payment rights include the advance payment period. For drivers with high rights levels, the advance payment period is shorter, which is more in line with the driver's desire for quick settlement and improves the platform's stickiness. The differentiated advance payment rights issuance for different drivers is more in line with the needs of differentiated operations of the operating department, avoiding the disadvantages of funds generated by periodic advance payments being unable to be risk controlled, low driver enthusiasm, and high labor maintenance costs. It can effectively improve driver stickiness and reduce operating costs and financial risks.

[0014] It is to be understood that the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the invention. BRIEF DESCRIPTION OF THE DRAWINGS

[0015] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the invention and, together with the description, serve to explain the principles of the invention.

[0016] Figure 1 It is a flowchart of a method for implementing risk control of advance payment funds based on an advance payment amount according to an exemplary embodiment; Figure 2 is a system schematic diagram of an apparatus for implementing advance payment fund risk control based on an advance payment amount according to another exemplary embodiment; In the attached figure: 1- equity level acquisition module, 2- advance payment equity acquisition module, 3- real-time quota acquisition module, 4- order acquisition module, 5- advance payment module. DETAILED DESCRIPTION

[0017] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present invention. Instead, they are merely examples of devices and methods consistent with some aspects of the present invention as detailed in the appended claims.

[0018] Embodiment 1 Figure 1 is a flow chart of a method for implementing risk control of advance payment funds based on an advance payment amount according to an exemplary embodiment. Figure 1 As shown, the method includes: S1, obtain the driver's historical operation data at the beginning of each month, and obtain the driver's equity level for that month based on the driver's historical operation data; S2, obtaining the credit advance payment rights and interests of the driver for the month according to the rights and interests level of the driver for the month, wherein the credit advance payment rights and interests of the driver for the month include: advance payment cycle and standard credit limit; S3, obtaining the driver's real-time credit limit according to the standard credit limit; S4, after the advance payment cycle in the month, obtain the unpaid and unadvance payment orders of the month at a preset time point every day; S5, advance payment one by one through the real-time credit line according to the time sequence of the unpaid and unadvanced orders of the month, and obtain the current available credit line after each order is advanced, until all unpaid and unadvanced orders of the month are advanced, or the current available credit line is insufficient to pay the amount of the next unpaid and unadvanced order; It is understandable that this application will conduct a monthly rights and interests level assessment for drivers at the beginning of each month (generally at 0:00 on the 1st of each month). The specific assessment method is: the driver's rights and interests level is calculated based on the driver's historical operation data, mainly assessing the completion rate, customer complaint rate and effective operation time, among which the weight of the completion rate is 80%, the weight of the customer complaint rate is 10%, and the weight of the effective operation time is 10%; for example: for a certain driver A, according to his historical operation data, it is found that the total number of orders he received is 1000, of which 900 are completed orders, and there are 100 uncompleted orders, then the driver's completion rate is 90%, according to the weight of the completion rate, the completion rate score can be obtained as: 90*0.8 = 72; at the same time, the driver's customer complaint rate is 3%, so the customer complaint rate score is: 97*0.1 = 9.7; the effective operation time is 14050 minutes, and the scoring rules for the effective operation time are: 10000~11000 is recorded as 60 points; 11000~12000 is recorded as 70 points; 12000~13000 is recorded as 80 points; 13000~14000 is recorded as 90 points; 14,000 and above is scored as 100 points; According to the weight of effective operation time, the driver's effective operation time score is: 100*0.1=10 points; The driver's final score is 72+9.7+10=91.7; The relationship between the final score and the equity level is as follows: Equity level: [90-100] Level 4; [80-90] Level 3; [70-80] Level 2; [70 points or less] Level 1; Therefore, the driver's equity level is level 4, and different equity levels correspond to different advance payment cycles and standard credit limits. For example, the advance payment cycle of equity level 1 is 7 days and the standard credit limit is 200, while the advance payment cycle of equity level 4 is 1 day and the standard credit limit is 300; After obtaining the driver's standard credit limit, you also need to obtain the driver's real-time credit limit for the month, including: for example, if you need to calculate the real-time credit limit for October, according to the above method, the standard credit limit for October is 300, then you need to obtain the total amount of orders that the driver paid using the advance payment rights before October (and not paid after advance payment). For example: the driver has historically used the advance payment rights to advance two orders, one order of 30 yuan (not paid after advance payment), and one order of 20 yuan (paid after advance payment). Then the total amount of orders that the driver has historically advanced and the customer has not subsequently paid is 30 yuan, then the driver's real-time credit limit for October is 300 yuan minus 30 yuan, which is 270 yuan; assuming that the advance payment cycle corresponding to the driver's rights level is 7 days, then after 7 days in October, at a fixed time point on October 8, generally 0:00 on October 8, the driver's real-time credit limit for October is obtained, and the real-time credit limit is used for the driver's 10 All unpaid and unadvanced orders from October 1 to October 7 will be advanced. Similarly, if the advance payment cycle is 3 days, then three days will pass in October, and at 0:00 on October 4, the unpaid and unadvanced orders from October 1 to 3 will be advanced. For example, if there are two unpaid and unadvanced orders from October 1 to October 7, one for 40 yuan and the other for 30 yuan, then at 0:00 on October 8, first determine whether the real-time credit limit is greater than the first order. The amount of the order is obviously 270 yuan, which is greater than 40 yuan. In this case, the first order of 40 yuan is paid through the real-time credit line. After the payment, the current available credit line is 270 yuan minus 40 yuan, and the new current available credit line is 230 yuan. Next, it is determined whether the new current available credit line is greater than the amount of the second order, 30 yuan. If it is greater, the new current available credit line is used to pay for the second order. After the payment, the new current available credit line is 230 yuan minus 30 yuan, which is 200 yuan.Then all the unpaid and unadvanced orders from October 1st to October 7th will be paid, and at 0:00 on October 9th, the current available credit limit will be used to pay for the unpaid and unadvanced orders from October 1st to October 8th. Assuming that no customer paid for the historical advance payment order on October 8th, the driver's current available credit limit is still 200 yuan, and 200 yuan will be used to pay for the unpaid and unadvanced orders from October 1st to 8th. Since the orders from October 1st to October 7th have been paid on the 8th, the actual advance payment on October 9th is The only unpaid and unadvanced orders are those on October 8. If on October 8, due to insufficient available credit, all orders from October 1 to October 7 were not fully advanced, the amount would be 0 (or insufficient to pay for the next order). However, at 3:00 p.m. on October 8, a customer paid for an order that the driver had advanced in the past. The order was an order that the driver advanced in September through credit rights. Assuming the advanced order amount was 80 yuan, after the customer paid the order, the driver would have 0 available credit at 0:00 on October 9. The credit limit is 0 yuan plus 80 yuan (that is, for any historical advance payment order paid by any customer, the amount of the advance payment order will be added to the driver's current available credit limit in real time). Use this 80 yuan to continue to advance the unpaid orders between October 1st and 7th. After the orders from October 1st to 7th are advanced, assuming that the current available credit limit is still sufficient to advance the orders on the 8th, then advance the orders on October 8th; if there is no payment for any historical advance payment orders during October 8th, at 0:00 on October 9th, the driver's real-time available credit limit is still 0, then for 1 Orders that have not been paid from October 1 to 7, and new unpaid and unpaid orders that occurred on October 8, will not be paid until a new customer pays the historically paid order, and the real-time available credit after payment is sufficient to pay the earliest order in the chronological order of the unpaid orders; and so on, at 0:00 on November 1, the unpaid and unpaid orders between October 1 and October 31 will be paid; however, for the real-time credit line obtained in November, the unpaid and unpaid orders in October will no longer be paid, but only the unpaid and unpaid orders in November will be paid. ;

[0019] The driver's credit advance payment rights obtained each month, as well as the advance payment period and standard credit limit corresponding to the credit advance payment rights are stored in the database; the driver's real-time credit limit obtained each month is stored in the database; the new current available limit obtained each time a customer pays a historical advance payment order, and the new current available limit obtained each time an unpaid order of the month is advanced are stored in the database; the driver's monthly rights advance payment details list is exported through the database.

[0020] Embodiment 2 Figure 2 is a system schematic diagram of a device for implementing advance payment risk control based on an advance payment amount according to another exemplary embodiment, the device comprising: Benefit level acquisition module 1: used to obtain the driver's historical operation data at the beginning of each month, and obtain the driver's benefit level for that month based on the driver's historical operation data; Advance payment rights acquisition module 2: used to obtain the driver's credit advance payment rights for the month according to the driver's rights level for the month, and the driver's credit advance payment rights for the month include: advance payment cycle and standard credit limit; Real-time credit limit acquisition module 3: used to obtain the driver's real-time credit limit according to the standard credit limit; Order acquisition module 4: used to acquire the unpaid and unadvance-paid orders of the month at a preset time point every day after the advance payment cycle of the month; Advance payment module 5: is used to make advance payments one by one according to the chronological order of the unpaid and unadvanced orders of the month through the real-time credit line. After each order is paid, the current available credit line is obtained until all unpaid and unadvanced orders of the month are paid, or the current available credit line is insufficient to pay the amount of the next unpaid and unadvanced order.

[0021] Embodiment three: This embodiment provides a storage medium, wherein the storage medium stores a computer program, and when the computer program is executed by a main controller, each step in the above method is implemented; It is understandable that the storage medium mentioned above can be a read-only memory, a magnetic disk or an optical disk, etc.

[0022] It can be understood that the same or similar parts of the above embodiments can be referenced to each other, and the contents not described in detail in some embodiments can refer to the same or similar contents in other embodiments.

[0023] It should be noted that, in the description of the present invention, the terms "first", "second", etc. are only used for descriptive purposes and cannot be understood as indicating or implying relative importance. In addition, in the description of the present invention, unless otherwise specified, the meaning of "plurality" refers to at least two.

[0024] Any process or method description in a flowchart or otherwise described herein may be understood to represent a module, segment or portion of code that includes one or more executable instructions for implementing the steps of a specific logical function or process, and the scope of the preferred embodiments of the present invention includes alternative implementations in which functions may not be performed in the order shown or discussed, including performing functions in a substantially simultaneous manner or in the reverse order depending on the functions involved, which should be understood by those skilled in the art to which the embodiments of the present invention belong.

[0025] It should be understood that the various parts of the present invention can be implemented by hardware, software, firmware or a combination thereof. In the above-mentioned embodiments, multiple steps or methods can be implemented by software or firmware stored in a memory and executed by a suitable instruction execution system. For example, if implemented by hardware, as in another embodiment, it can be implemented by any one of the following technologies known in the art or their combination: a discrete logic circuit having a logic gate circuit for implementing a logic function for a data signal, a dedicated integrated circuit having a suitable combination of logic gate circuits, a programmable gate array (PGA), a field programmable gate array (FPGA), etc.

[0026] A person skilled in the art may understand that all or part of the steps in the method for implementing the above-mentioned embodiment may be completed by instructing related hardware through a program, and the program may be stored in a computer-readable storage medium, which, when executed, includes one or a combination of the steps of the method embodiment.

[0027] In addition, each functional unit in each embodiment of the present invention may be integrated into a processing module, or each unit may exist physically separately, or two or more units may be integrated into one module. The above-mentioned integrated module may be implemented in the form of hardware or in the form of a software functional module. If the integrated module is implemented in the form of a software functional module and sold or used as an independent product, it may also be stored in a computer-readable storage medium.

[0028] The storage medium mentioned above can be a read-only memory, a magnetic disk or an optical disk, etc.

[0029] In the description of this specification, the description with reference to the terms "one embodiment", "some embodiments", "examples", "specific examples", or "some examples" means that the specific features, structures, materials or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the present invention. In this specification, the schematic representation of the above terms does not necessarily refer to the same embodiment or example. Moreover, the specific features, structures, materials or characteristics described may be combined in any one or more embodiments or examples in a suitable manner.

[0030] Although the embodiments of the present invention have been shown and described above, it is to be understood that the above embodiments are exemplary and are not to be construed as limitations of the present invention. A person skilled in the art may change, modify, replace and vary the above embodiments within the scope of the present invention.

Claims

1. A method for implementing risk control of advance payment funds based on the advance payment amount, characterized in that: The method comprises: At the beginning of each month, the driver's historical operating data is obtained, and the driver's benefit level for that month is obtained based on the driver's historical operating data; According to the driver's equity level for the month, the driver's credit advance payment rights for the month are obtained, and the driver's credit advance payment rights for the month include: advance payment cycle and standard credit limit; Obtaining the driver's real-time credit limit based on the standard credit limit; After the advance payment cycle of the month, the unpaid and unadvance payment orders of the month are obtained at the preset time point every day; According to the chronological order of the unpaid and unadvanced orders of the month, payments are made one by one through the real-time credit line. After each order is paid, the current available credit line is obtained until all the unpaid and unadvanced orders of the month are paid, or the current available credit line is insufficient to pay the amount of the next unpaid and unadvanced order.

2. The method according to claim 1, characterized in that Also includes: If any customer has paid a historical advance payment order, the current available credit limit is added to the amount of the historical advance payment order paid by the customer to obtain a new current available credit limit, and the new current available credit limit is used to advance the unpaid and unadvanced orders of the current month.

3. The method according to claim 2, characterized in that If any customer has paid for a historical advance payment order, determine whether the historical advance payment order was paid through the driver's credit advance payment rights. If so, add the current available credit limit to the amount of the historical advance payment order paid by the customer to obtain the new current available credit limit; if not, the current available credit limit remains unchanged.

4. The method according to claim 3, characterized in that The step of obtaining the driver's real-time credit limit according to the standard credit limit includes: Obtain the total amount of order amounts that the driver has advanced in the past but that customers have not subsequently paid for, and subtract the total amount of order amounts that the driver has advanced in the past but that customers have not subsequently paid for from the standard credit line to obtain the driver's real-time credit line.

5. The method according to claim 4, characterized in that After each order is paid, the current available credit limit is obtained until all unpaid and unpaid orders of the month are paid, or the current available credit limit is insufficient to pay the amount of the next unpaid and unpaid order, including: After using the current available credit limit to advance payment for an unpaid, unadvanced order of the month, subtract the amount of the advanced order from the current available credit limit to obtain a new current available credit limit, and use the new current available credit limit to advance payment for the next unpaid, unadvanced order until all unpaid, unadvanced orders of the month have been advanced, or the new current available credit limit is insufficient to pay the amount of the next unpaid, unadvanced order.

6. The method according to any one of claims 1 to 5, characterized in that: The driver's monthly credit advance payment rights and interests, as well as the advance payment period and standard credit limit corresponding to the credit advance payment rights and interests are stored in the database; The real-time credit limit of drivers obtained every month is stored in the database; The new current available credit limit obtained after each customer pays a historical advance payment order, and the new current available credit limit obtained after each advance payment of an unpaid order of the current month are stored in the database; A detailed list of the driver's monthly equity advance payments is exported from the database every month.

7. A device for implementing risk control of advance payment funds based on the advance payment amount, characterized in that: The device comprises: Benefit level acquisition module: used to obtain the driver's historical operation data at the beginning of each month, and obtain the driver's benefit level for that month based on the driver's historical operation data; The advance payment rights acquisition module is used to obtain the credit advance payment rights of the driver for the month according to the driver's rights level for the month. The credit advance payment rights of the driver for the month include: advance payment cycle and standard credit limit; Real-time credit limit acquisition module: used to obtain the driver's real-time credit limit according to the standard credit limit; Order acquisition module: used to acquire the unpaid and unadvance-paid orders of the month at a preset time point every day after the advance payment cycle of the month; Advance payment module: used to make advance payments one by one according to the chronological order of the unpaid and unadvanced orders of the month through the real-time credit line. After each order is paid, the current available credit line is obtained until all unpaid and unadvanced orders of the month are paid, or the current available credit line is insufficient to pay the amount of the next unpaid and unadvanced order.

8. A storage medium, characterized in that: The storage medium stores a computer program, and when the computer program is executed by the main controller, each step of the method for implementing advance payment risk control based on the advance payment amount as described in any one of claims 1-6 is implemented.

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