Online approval method, device and equipment for resource raising business and storage medium

Abstract

The invention discloses an online approval method, device and equipment of a resource raising business and a storage medium, and relates to the Internet field and the financial science and technology field, a resource raising module is embedded in a charging pile operation system, charging station assets and operation data are automatically transmitted to a resource raising business system after customer authorization, and the charging station assets and operation data are automatically approved. The resource raising business system issues an enterprise data acquisition task, and after related data is quickly obtained and enterprise related indexes are automatically measured and calculated, a resource raising amount is obtained, and then credit examination and approval are carried out. Therefore, by opening through channels for resource raising demand submission, power station operation data acquisition, enterprise basic data acquisition and the like, the service processing speed is increased, the exhibition efficiency of a customer manager is improved, the exhibition cost is reduced, and the accuracy of resource raising approval is improved.

Description

Technical Field

[0001] The present application relates to the fields of Internet and financial technology, and in particular to an online approval method, device, equipment and storage medium for resource raising business. Background Art

[0002] With the development of Internet technology and the new energy vehicle industry, financial companies have gradually participated in the resource raising and leasing business involving charging pile assets. Since charging piles are a high-investment industry with a long payback period, a large amount of capital needs to be invested in the early stage, and profits can be achieved through the collection of electricity and service fees in the later stage. Therefore, in order to quickly build charging piles, many service providers choose to adopt the resource raising and leasing method. Therefore, the resource raising and leasing company needs to examine the repayment ability of the enterprise to avoid overdue repayments and affect the investment security of the financial enterprise.

[0003] In the relevant technology, when financial enterprises carry out charging pile-related resource raising business, they usually need to collect the historical operation data of customer charging stations and customer financial data offline, and after manually processing these data, submit them to the business system and enter the approval process. However, the applicant realized that the efficiency of collecting operation data offline at the customer site is low, the cost is high, the data accuracy is low, and the manual processing of data is prone to calculation errors and other risks, resulting in a long process of the entire resource raising business and low accuracy, which affects the competitiveness of financial products in the market. Summary of the invention

[0004] The present application provides an online approval method, device, equipment and storage medium for resource raising business, so as to solve the technical problems of low efficiency, high cost and low data accuracy in collecting operation data offline at the customer site, which leads to a long process and low accuracy of the entire resource raising business.

[0005] In a first aspect, an online approval method for resource raising business is provided, comprising:

[0006] When receiving a resource raising request from an enterprise through a charging pile operation system, obtaining power station data collected by the charging pile operation system, and generating an enterprise data collection request based on the power station data;

[0007] Transmitting the enterprise data collection request to the enterprise data collection system, and receiving the enterprise data fed back by the enterprise data collection system after receiving the enterprise data collection request;

[0008] Calculating a target resource raising amount using the enterprise data and the power station data;

[0009] The target resource raising amount, the enterprise data and the power station data are used to perform business approval operations to obtain a target approval result, and the target approval result is sent to the charging pile operation system so that the charging pile operation system pushes the target approval result to the enterprise.

[0010] In a second aspect, an online approval device for resource raising business is provided, comprising:

[0011] A generating module, configured to, when receiving a resource raising request issued by an enterprise through a charging pile operating system, obtain power station data collected by the charging pile operating system, and generate an enterprise data collection request based on the power station data;

[0012] A receiving module, used for transmitting the enterprise data collection request to the enterprise data collection system, and receiving the enterprise data fed back by the enterprise data collection system after receiving the enterprise data collection request;

[0013] A calculation module, used to calculate the target resource raising amount by using the enterprise data and the power station data;

[0014] The first approval module is used to perform business approval operations using the target resource fundraising amount, the enterprise data and the power station data to obtain a target approval result, and send the target approval result to the charging pile operation system so that the charging pile operation system pushes the target approval result to the enterprise.

[0015] In a third aspect, a device is provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the above-mentioned intelligent question and answer processing method when executing the computer program.

[0016] In a fourth aspect, a storage medium is provided, which stores a computer program, and when the computer program is executed by a processor, the steps of the above-mentioned intelligent question and answer processing method are implemented.

[0017] In the scheme implemented by the online approval method, device, equipment and storage medium of the above-mentioned resource raising business, when a resource raising request is received from an enterprise through a charging pile operation system, the power station data collected by the charging pile operation system can be obtained, and an enterprise data collection request can be generated based on the power station data. The enterprise data collection request is transmitted to the enterprise data collection system, and the enterprise data fed back by the enterprise data collection system after receiving the enterprise data collection request is received. The target resource raising amount is calculated using the enterprise data and power station data, and the target resource raising amount, enterprise data and power station data are used to perform business approval operations to obtain the target approval result, and the target approval result is sent to the charging pile operation system so that the charging pile operation system pushes the target approval result to the enterprise. In this application, by embedding a resource raising module in the charging pile operation system, the charging station assets and operation data are automatically transmitted to the resource raising business system after customer authorization. The resource raising business system sends an enterprise data collection task, quickly obtains relevant data, and automatically calculates the relevant indicators of the enterprise to obtain the resource raising amount, and then conducts credit review and approval. Therefore, by opening up channels for submitting resource raising needs, collecting power station operation data, and collecting enterprise basic data, we can speed up business processing, improve the business development efficiency of account managers, reduce business development costs, and improve the accuracy of resource raising approvals. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for use in the description of the embodiments of the present application will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0019] Figure 1 A schematic diagram of an application environment for online approval of a resource raising business provided in an embodiment of the present application is shown;

[0020] Figure 2 A schematic diagram of an online approval method for a resource raising business provided in an embodiment of the present application is shown;

[0021] Figure 3A A schematic diagram of another online approval method for resource raising business provided in an embodiment of the present application is shown;

[0022] Figure 3B A schematic diagram of an online approval process for a resource raising business provided in an embodiment of the present application is shown;

[0023] Figure 4A A schematic diagram of an online approval structure of a resource raising business provided in an embodiment of the present application is shown;

[0024] Figure 4B A schematic diagram of an online approval structure of another resource raising business provided in an embodiment of the present application is shown;

[0025] Figure 5 A schematic diagram of the device structure of a device provided in an embodiment of the present application is shown. DETAILED DESCRIPTION

[0026] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0027] The online approval method for resource raising business provided in the embodiment of the present application can be applied in the following aspects: Figure 1In the application environment, the executor of this application is the resource raising business system, which communicates with the charging pile operation system and the enterprise data collection system through the network. The charging pile operation system includes a charging station management module and a resource raising interface module. The resource raising business system includes an enterprise basic data processing module, an income cost calculation module, a resource raising quota calculation module and a resource raising approval module. The enterprise data collection system includes an enterprise basic data module, an actual controller data module and a charging station basic data module. The resource raising business system relies on the computing power of the server to provide services to users and relies on the client to provide service programs for users corresponding to the server. The client communicates with the server through the network. When the server receives a resource raising request from an enterprise through the charging pile operation system, it obtains the power station data collected by the charging pile operation system, generates an enterprise data collection request based on the power station data, transmits the enterprise data collection request to the enterprise data collection system, and receives the enterprise data fed back by the enterprise data collection system after receiving the enterprise data collection request, uses the enterprise data and power station data to calculate the target resource raising amount, uses the target resource raising amount, enterprise data and power station data to perform business approval operations, obtains the target approval result, and sends the target approval result to the charging pile operation system, so that the charging pile operation system pushes the target approval result to the enterprise. In this application, by embedding a resource raising module in the charging pile operation system, the charging station assets and operation data are automatically transmitted to the resource raising business system after authorization by the customer, and the resource raising business system sends the enterprise data collection task, quickly obtains the relevant data, and automatically calculates the enterprise-related indicators to obtain the resource raising amount, and then conducts credit review and approval. Therefore, by opening up channels for resource raising demand submission, power station operation data collection, and enterprise basic data collection, the business processing speed is accelerated, the business development efficiency of customer managers is improved, the business development cost is reduced, and the accuracy of resource raising approval is improved. The client may be, but is not limited to, various personal computers, laptops, smart phones, tablet computers, and portable wearable devices. The server may be an independent server, or it may provide cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery networks (CDN), and servers for basic cloud computing such as big data and artificial intelligence platforms. The present application is described in detail below through specific embodiments.

[0028] The present application embodiment provides an online approval method for resource raising business, such as Figure 2 As shown, the method includes:

[0029] 201. When receiving a resource raising request from an enterprise through a charging pile operation system, the power station data collected by the charging pile operation system is obtained, and based on the power station data, an enterprise data collection request is generated.

[0030] In an embodiment of the present application, when the resource raising business system receives a resource raising request issued by an enterprise through a charging pile operation system, the power station data collected by the charging pile operation system is obtained, and based on the power station data, a request for enterprise data collection is generated. Among them, the power station data includes charging pile operation data and resource raising period, the resource raising period refers to the period for the enterprise to plan resource raising, and the charging pile operation data includes static data and dynamic data. The static data includes the name of the charging station, the location of the charging station, the brand of the charging pile, the power of the charging pile, the serial number of the charging pile, etc., and the dynamic data includes electricity charges, charging order revenue, charging amount, charging amount, charging time, charging duration, etc. The resource raising business system receives the enterprise's resource raising request and power station data through a communication connection with the charging pile operation system, without the need for manual offline collection of operation data, eliminating the impact of human operational errors and improving the accuracy and consistency of the data.

[0031] 202. Transmit the enterprise data collection request to the enterprise data collection system, and receive the enterprise data fed back by the enterprise data collection system after receiving the enterprise data collection request.

[0032] In an embodiment of the present application, the resource raising business system transmits the enterprise data collection request to the enterprise data collection system, and receives the enterprise data fed back by the enterprise data collection system after receiving the enterprise data collection request. Among them, the enterprise data includes enterprise basic data, actual controller data, and charging station basic data. The enterprise basic data includes enterprise name, business license, unified social credit code, establishment time, financial statements, etc. The actual controller data includes the actual controller name, ID card, etc. The charging station basic data includes the power station construction cost, employee wages, site rent, number of charging guns, power station operation time, and the power station construction cost includes the construction contract, construction invoice, charging pile purchase contract, charging pile purchase invoice, cable cost, etc. of the charging station construction. The resource raising business system further communicates with the enterprise data collection system, sends the enterprise data collection request to the enterprise data collection system, and receives the enterprise data fed back by the enterprise data collection system. It does not need to collect and upload enterprise data manually offline, avoids the risk of manual processing of data prone to calculation errors and customer managers manually adjusting data, and improves the accuracy and consistency of the data.

[0033] 203. Use enterprise data and power station data to calculate the target resource mobilization amount.

[0034] In an embodiment of the present application, the resource raising business system uses enterprise data and power station data to calculate the target resource raising amount. The resource raising business system speeds up the resource raising business processing speed by opening up channels for resource raising demand submission, power station data collection, enterprise data collection, etc., thereby improving the customer manager's business development efficiency and enhancing the customer's resource raising experience.

[0035] 204. Use the target resource raising amount, enterprise data and power station data to perform business approval operations, obtain the target approval result, and send the target approval result to the charging pile operation system so that the charging pile operation system pushes the target approval result to the enterprise.

[0036] In the embodiment of the present application, the resource raising business system uses the target resource raising amount, enterprise data and power station data to perform business approval operations, obtain the target approval result, and send the target approval result to the charging pile operation system, so that the charging pile operation system pushes the target approval result to the enterprise. The resource raising business system automatically calculates the target resource raising amount based on the enterprise data and power station data, and then performs credit review and approval, which can speed up business processing, reduce business development costs, and improve the accuracy of resource raising approval.

[0037] The method provided in the embodiment of the present application, when receiving a resource raising request issued by an enterprise through a charging pile operation system, obtains the power station data collected by the charging pile operation system, generates an enterprise data collection request based on the power station data, transmits the enterprise data collection request to the enterprise data collection system, and receives the enterprise data fed back by the enterprise data collection system after receiving the enterprise data collection request, uses the enterprise data and power station data to calculate the target resource raising amount, uses the target resource raising amount, enterprise data and power station data to perform business approval operations, obtains the target approval result, and sends the target approval result to the charging pile operation system, so that the charging pile operation system pushes the target approval result to the enterprise. In this application, by embedding a resource raising module in the charging pile operation system, the charging station assets and operation data are automatically transmitted to the resource raising business system after customer authorization, the resource raising business system sends the enterprise data collection task, quickly obtains the relevant data, and automatically calculates the enterprise-related indicators to obtain the resource raising amount, and then performs credit review and approval. Therefore, by opening up channels for submitting resource raising needs, collecting power station operation data, and collecting enterprise basic data, we can speed up business processing, improve the business development efficiency of account managers, reduce business development costs, and improve the accuracy of resource raising approvals.

[0038] Further, as a refinement and expansion of the specific implementation of the above embodiment, in order to fully illustrate the specific implementation process of this embodiment, the embodiment of the present application provides another online approval method for resource raising business, such as Figure 3A As shown, the method includes:

[0039] 301. When a resource raising request is received, a data transmission authorization request is sent to the charging pile operation system, so that the charging pile operation system displays the data transmission authorization request to the enterprise.

[0040] In an embodiment of the present application, an enterprise initiates a resource raising request on the charging pile operation system, and the charging pile operation system transmits the resource raising request to the resource raising business system through the resource raising interface, wherein the resource raising interface is used for the charging station holder to initiate a resource raising demand to the financial institution. After receiving the resource raising request, the resource raising business system needs to collect data from the charging pile operation system. For the integrity and security of the data, the charging pile operation system needs the transmission authorization of the charging station holder, that is, the enterprise, to transmit the power station data to the resource raising business system. Therefore, when the resource raising business system receives the resource raising request, it sends a data transmission authorization request to the charging pile operation system so that the charging pile operation system displays the data transmission authorization request to the enterprise. By embedding the resource raising interface in the charging pile operation system, the resource raising business system communicates with the charging pile operation system through the resource raising interface, thereby receiving the resource raising request and speeding up the business processing.

[0041] 302. Upon receiving the confirmation authorization instruction fed back by the charging pile operation system, obtain the power station data uploaded by the charging pile operation system based on the resource raising interface.

[0042] In an embodiment of the present application, the charging pile operation system receives a data transmission authorization request and displays it to the enterprise. After the enterprise completes the data transmission authorization in the charging pile operation system, the charging pile operation system will collect the power station data and transmit the power station data to the resource raising business system. When the resource raising business system receives the confirmation authorization instruction fed back by the charging pile operation system, it will obtain the power station data uploaded by the charging pile operation system based on the resource raising interface. Among them, the power station data includes the resource raising period, charging station asset data (charging station name, charging pile model, charging pile number, etc.) and charging pile operation data (charging order, charging amount, charging amount, charging time, charging start time, charging end time, etc.). The resource raising business system collects power station data from the charging pile operation system through the resource raising interface. There is no need for manual offline collection and uploading of power station operation data, which eliminates the impact of human operational errors and improves the accuracy and consistency of the data.

[0043] 303. Read the enterprise name and credit code from the power station data, and use the enterprise name and credit code to generate an enterprise data collection request.

[0044] In an embodiment of the present application, after receiving the power station data, the resource raising business system will dispatch an enterprise data collection task to the enterprise data collection system in order to collect enterprise data for resource raising approval. Specifically, the resource raising business system reads the enterprise name and credit code in the power station data, and uses the enterprise name and credit code to generate an enterprise data collection request. Optionally, the resource raising business system establishes an initial enterprise file including a credit code, and marks the initial enterprise file with the enterprise name. It should be noted that the charging pile operation system has a company name and credit code, because the enterprise needs to record the charging piles invested by the enterprise in the charging pile operation system, and needs to provide the company name and credit code.

[0045] 304. Transmit the enterprise data collection request to the enterprise data collection system, and receive the enterprise data fed back by the enterprise data collection system after receiving the enterprise data collection request.

[0046] In the embodiment of the present application, the resource raising business system transmits the enterprise data collection request to the enterprise data collection system, and receives the enterprise data fed back by the enterprise data collection system after receiving the enterprise data collection request. It should be noted that the enterprise data collection system is usually a data upload tool provided by financial enterprises, including but not limited to apps, applets, hyperlinks, etc. The enterprise data includes enterprise basic data, actual controller data and charging station basic data. The enterprise data collection system displays the enterprise data collection request to the enterprise, and the enterprise will upload the enterprise data to the enterprise data collection system, wherein the enterprise basic data includes the enterprise name, business license, unified social credit code, establishment time, financial statements, etc., the actual controller data includes the actual controller name, ID card, etc., and the charging station basic data includes the construction cost of the power station (construction contract for charging station construction, construction invoice, charging pile purchase contract, charging pile purchase invoice, cable cost), employee wages, site rental, number of charging guns, power station operation time, etc. The resource raising business system collects enterprise data by communicating with the enterprise data collection system, which can speed up business processing, improve the efficiency of customer managers, and enhance customers' resource raising experience.

[0047] Optionally, the resource raising business system reads the enterprise name and queries the initial enterprise file associated with the enterprise name. Then, the resource raising business system adds the enterprise data to the initial enterprise file to obtain the enterprise file. The resource raising business system establishes an initial enterprise file for the enterprise that initiates the resource raising request, and then determines the associated initial enterprise file according to the enterprise name in the collected enterprise data, and adds the enterprise data to the initial enterprise file, so as to establish a complete information file so that the resource raising business system can perform online approval.

[0048] 305. Use enterprise data and power station data to calculate the target resource mobilization amount.

[0049] In an embodiment of the present application, the resource raising business system extracts the basic data of the charging station from the enterprise data, wherein the basic data of the charging station includes the construction cost of the power station, employee wages, site rental, number of charging guns, and power station operation time. Next, the resource raising business system extracts the charging pile operation data from the power station data, wherein the charging pile operation data includes electricity charges, charging time, and charging order revenue, and the electricity charge refers to the amount paid to the State Grid. Subsequently, the resource raising business system obtains the cost depreciation amount, calculates the product between the cost depreciation amount and the power station operation time, and uses the difference between the power station construction cost and the product as the power station construction depreciation cost. A power station usually has a depreciation period, such as 10 years. When the construction cost is 1 million, the annual depreciation of the power station construction cost is 100,000 / year. Then, the resource raising business system calculates the sum of the power station construction depreciation cost, site rental, employee wages, and electricity charges as the monthly cost, and uses the charging order revenue as the monthly income. Then, the resource raising business system uses the charging time and the number of charging guns to calculate the charging utilization rate, and adds the charging utilization rate to the power station data so that the resource raising business system can conduct online approval. Subsequently, the resource raising business system uses monthly costs and monthly revenues to calculate monthly profits, obtain the rent coverage ratio, and read the resource raising period in the power station data. Finally, the resource raising business system calculates the ratio of monthly profit to rent coverage ratio, and takes the product of the resource raising period and the ratio as the target resource raising amount. For example, the company's monthly operating profit is 20,000 yuan, and the financial company requires that the operating profit must cover at least twice the rent. The company plans to raise resources for 20 months, then the target resource raising amount = operating profit / rent coverage ratio*period=20,000 yuan / month÷2 times*20 months=200,000 yuan.

[0050] 306. Use the target resource raising amount, enterprise data and power station data to perform business approval operations, obtain the target approval result, and send the target approval result to the charging pile operation system so that the charging pile operation system pushes the target approval result to the enterprise.

[0051] In an embodiment of the present application, the resource raising business system uses the target resource raising amount, enterprise data and power station data to perform business approval operations and obtain the target approval result. Then, the resource raising business system sends the target approval result to the charging pile operation system, so that the charging pile operation system pushes the target approval result to the enterprise, so that the enterprise can grasp the approval status of resource raising needs in a timely manner. By opening up channels such as resource raising demand submission, power station data collection, and enterprise data collection, the business processing speed can be accelerated and the accuracy of resource raising approval can be improved.

[0052] Optionally, if the target approval result indicates that the approval process has not passed, the resource raising business system generates an approval failure reminder, and transmits the generated approval failure reminder to the enterprise data collection system, so that the enterprise data collection system can re-collect new enterprise data. Next, the resource raising business system receives the new enterprise data fed back by the enterprise data collection system, uses the new enterprise data and power station data, recalculates the new target resource raising amount, and re-uses the new target resource raising amount, power station data and new enterprise data to perform business approval operations to obtain a new target approval result. Subsequently, the resource raising business system sends the new target approval result to the charging pile operation system, so that the charging pile operation system pushes the new target approval result to the enterprise.

[0053] In summary, this application proposes an online approval process for resource raising business as follows:

[0054] like Figure 3B As shown, it includes charging pile operation system, resource raising business system and enterprise data collection system.

[0055] The charging pile operation system is used by charging station holders to manage the operation of charging stations, and includes a charging station management module and a resource raising interface module. The charging station management module is used to control the operation of charging stations such as starting and stopping charging, calculating the charging amount of charging orders, and recording the charging amount and charging duration of charging orders. The charging station management module contains data about the operation of charging piles, including: static data (charging station name, charging station location, charging pile brand, charging pile power, charging pile serial number, etc.) and dynamic data (charging orders, charging amount, charging amount, charging time, charging duration, etc. generated by charging business). The resource raising interface module is used for charging station holders to initiate resource raising demands to financial institutions and receive resource raising approval results from financial institutions.

[0056] The resource raising business system is used to obtain resource raising needs for financial institutions, process and calculate the collected data, and then approve the resource raising needs. It includes enterprise basic data processing module, income cost calculation module, resource raising amount calculation module and resource raising approval module. The enterprise basic data processing module is used to automatically establish enterprise basic data files for customers in the resource raising business system based on the collected enterprise name, unified social credit code, enterprise address, establishment time, actual controller name, ID number, credit information and other data. The income cost calculation module is used to calculate the monthly operating costs and income based on the collected power station construction costs (charging pile price, station construction, cable costs, etc.), operating costs (staff wages, site rental, etc.), charging gross profit (charging service fee income), etc. Among them, the charging gross profit is the sum of the charging service fees collected from the charging pile operation system, and the charging service fee income is the difference between the charging order income and the electricity fee. The resource raising amount calculation module is used to calculate the operating profit of the charging station in the recent period based on the monthly operating costs and income, and then calculate how much of the monthly repayment amount can be covered by the operating profit of the charging station, and finally calculate the resource raising amount according to the resource raising period. The resource raising approval module is used to combine the calculated resource raising amount and customer basic information data to allow credit review personnel to approve resource raising needs. The resource raising business system will synchronize the approval results to the resource raising interface module of the charging pile operation system, so that enterprises can grasp the approval status of resource raising needs in a timely manner.

[0057] The enterprise data collection system is used to collect enterprise data and transmit it to the resource mobilization business system. It includes the enterprise basic data module, the actual controller data module and the charging station basic data module.

[0058] The online approval process is as follows:

[0059] First, the enterprise that needs to raise resources submits the resource raising demand in the resource raising interface module of the charging pile operation system. Then, the enterprise that needs to raise resources authorizes data transmission in the charging pile operation system. After completing the authorization, the charging pile operation system transmits the power station data to the resource raising business system. Subsequently, the resource raising business system establishes customer files and dispatches enterprise data collection tasks to the enterprise data collection system. The resource raising enterprise prepares and uploads materials, including enterprise basic data, actual controller data and charging station basic data. Then, the resource raising business system calculates the monthly operating cost, income, charging utilization rate and other indicator data that characterize the quality of the station based on the collected data. Then, the resource raising business system calculates the amount of resource raising based on the monthly operating cost and income and the resource raising period. Finally, the credit review personnel approve the resource raising demand. If the approval is not passed, additional materials are required, and the approval status is synchronized to the resource raising interface module of the charging pile operation system, so that the enterprise can grasp the approval status of the resource raising demand in a timely manner. It can not only avoid the risk of calculation errors in manual data processing and the risk of account managers adjusting data manually, improve the efficiency of account managers and reduce the cost of business development, but also shorten the process time and improve the competitiveness of financial products in the market.

[0060] The method provided in the embodiment of the present application, when receiving a resource raising request issued by an enterprise through a charging pile operation system, obtains the power station data collected by the charging pile operation system, generates an enterprise data collection request based on the power station data, transmits the enterprise data collection request to the enterprise data collection system, and receives the enterprise data fed back by the enterprise data collection system after receiving the enterprise data collection request, uses the enterprise data and power station data to calculate the target resource raising amount, uses the target resource raising amount, enterprise data and power station data to perform business approval operations, obtains the target approval result, and sends the target approval result to the charging pile operation system, so that the charging pile operation system pushes the target approval result to the enterprise. In this application, by embedding a resource raising module in the charging pile operation system, the charging station assets and operation data are automatically transmitted to the resource raising business system after customer authorization, the resource raising business system sends the enterprise data collection task, quickly obtains the relevant data, and automatically calculates the enterprise-related indicators to obtain the resource raising amount, and then performs credit review and approval. Therefore, by opening up channels for submitting resource raising needs, collecting power station operation data, and collecting enterprise basic data, we can speed up business processing, improve the business development efficiency of account managers, reduce business development costs, and improve the accuracy of resource raising approvals.

[0061] Further, as Figure 1 As a specific implementation of the method, the embodiment of the present application provides an online approval device for resource raising business, which corresponds one-to-one with the online approval method for resource raising business in the above embodiment. Figure 4A As shown, the device includes: a generating module 401 , a receiving module 402 , a calculating module 403 and a first approving module 404 .

[0062] The generating module 401 is used for, when receiving a resource raising request sent by an enterprise through a charging pile operation system, obtaining the power station data collected by the charging pile operation system, and generating an enterprise data collection request based on the power station data;

[0063] The receiving module 402 is used to transmit the enterprise data collection request to the enterprise data collection system, and receive the enterprise data fed back by the enterprise data collection system after receiving the enterprise data collection request;

[0064] A calculation module 403 is used to calculate a target resource raising amount using the enterprise data and the power station data;

[0065] The first approval module 404 is used to perform business approval operations using the target resource raising amount, the enterprise data and the power station data to obtain a target approval result, and send the target approval result to the charging pile operation system so that the charging pile operation system pushes the target approval result to the enterprise.

[0066] In a specific application scenario, the generation module 401 is used to issue a data transmission authorization request to the charging pile operation system when the resource raising request is received, so that the charging pile operation system displays the data transmission authorization request to the enterprise; upon receiving the confirmation authorization instruction fed back by the charging pile operation system, obtain the power station data uploaded by the charging pile operation system based on the resource raising interface; read the enterprise name and credit code in the power station data, and use the enterprise name and the credit code to generate the enterprise data collection request.

[0067] In a specific application scenario, the generation module 401 is used to establish an initial enterprise file including the credit code; and mark the initial enterprise file with the enterprise name.

[0068] In a specific application scenario, the calculation module 403 is used to extract the basic data of the charging station from the enterprise data, wherein the basic data of the charging station includes the construction cost of the power station, employee wages, site rental, the number of charging guns, and the operating time of the power station; extract the charging pile operating data from the power station data, wherein the charging pile operating data includes electricity charges, charging time, and charging order revenue; obtain the cost depreciation amount, calculate the product of the cost depreciation amount and the operating time of the power station, and use the difference between the construction cost of the power station and the product as the construction depreciation cost of the power station; calculate the sum of the construction depreciation cost of the power station, the site rental, the employee wages, and the electricity charge as the monthly cost, and use the charging order revenue as the monthly revenue; use the charging time and the number of charging guns to calculate the charging utilization rate, and add the charging utilization rate to the power station data; use the monthly cost and the monthly revenue to calculate the monthly profit, and use the monthly profit to calculate the target resource raising amount.

[0069] In a specific application scenario, the calculation module 403 is used to obtain the rent coverage ratio and read the resource raising period in the power station data; calculate the ratio of the monthly profit to the rent coverage ratio, and take the product of the resource raising period and the ratio as the target resource raising amount.

[0070] In specific application scenarios, such as Figure 4B As shown, the device further includes: a joining module 405 and a second approval module 406 .

[0071] The adding module 405 is used to read the enterprise name of the enterprise, query the initial enterprise file associated with the enterprise name; add the enterprise data to the initial enterprise file to obtain the enterprise file of the enterprise.

[0072] The second approval module 406 is used to generate an approval failure reminder if the target approval result indicates that the approval process has not passed, and transmit the generated approval failure reminder to the enterprise data collection system so that the enterprise data collection system can re-collect new enterprise data; receive the new enterprise data fed back by the enterprise data collection system, use the new enterprise data and the power station data to recalculate the new target resource fundraising amount, and re-use the new target resource fundraising amount, the power station data and the new enterprise data to perform business approval operations to obtain a new target approval result, and send the new target approval result to the charging pile operation system so that the charging pile operation system can push the new target approval result to the enterprise.

[0073] The device provided in the embodiment of the present application, when receiving a resource raising request issued by an enterprise through a charging pile operation system, obtains the power station data collected by the charging pile operation system, generates an enterprise data collection request based on the power station data, transmits the enterprise data collection request to the enterprise data collection system, and receives the enterprise data fed back by the enterprise data collection system after receiving the enterprise data collection request, uses the enterprise data and power station data to calculate the target resource raising amount, uses the target resource raising amount, the enterprise data and the power station data to perform business approval operations, obtains the target approval result, and sends the target approval result to the charging pile operation system, so that the charging pile operation system pushes the target approval result to the enterprise. In the present application, by embedding a resource raising module in the charging pile operation system, the charging station assets and operation data are automatically transmitted to the resource raising business system after customer authorization, the resource raising business system sends the enterprise data collection task, quickly obtains the relevant data, automatically calculates the enterprise-related indicators, obtains the resource raising amount, and then performs credit review and approval. Therefore, by opening up channels for submitting resource raising needs, collecting power station operation data, and collecting enterprise basic data, we can speed up business processing, improve the business development efficiency of account managers, reduce business development costs, and improve the accuracy of resource raising approvals.

[0074] It should be noted that for other corresponding descriptions of the functional units involved in the online approval device for resource raising business provided in the embodiment of the present application, reference can be made to Figure 1 , Figure 2 and FIG. 3A to FIG. 3B The corresponding description in the above-mentioned online approval device for resource raising business will not be repeated here. Each module in the above-mentioned online approval device for resource raising business can be implemented in whole or in part by software, hardware and their combination. The above-mentioned modules can be embedded in or independent of the processor in the computer device in the form of hardware, or can be stored in the memory in the computer device in the form of software, so that the processor can call and execute the corresponding operations of each of the above modules.

[0075] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties.

[0076] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0077] The above-described embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the present application. It should be pointed out that, for a person of ordinary skill in the art, several variations and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the attached claims.

[0078] In an exemplary embodiment, see Figure 5 , and also provides a device, which includes a bus, a processor, a memory and a communication interface, and may also include an input and output interface and a display device, wherein each functional unit can communicate with each other through the bus. The memory stores a computer program, and the processor is used to execute the program stored in the memory and execute the online approval method for resource raising business in the above embodiment.

[0079] A storage medium stores a computer program, which, when executed by a processor, implements the steps of the online approval method for resource raising business.

[0080] Through the description of the above implementation methods, those skilled in the art can clearly understand that the present application can be implemented by hardware, or by means of software plus a necessary general hardware platform. Based on such an understanding, the technical solution of the present application can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (which can be a CD-ROM, a USB flash drive, a mobile hard disk, etc.), including a number of instructions for enabling a computer device (which can be a personal computer, a server, or a network device, etc.) to execute the methods described in each implementation scenario of the present application.

[0081] Those skilled in the art will appreciate that the accompanying drawings are merely schematic diagrams of a preferred implementation scenario, and the modules or processes in the accompanying drawings are not necessarily required for implementing the present application.

[0082] Those skilled in the art will appreciate that the modules in the device in the implementation scenario can be distributed in the device in the implementation scenario according to the implementation scenario description, or can be changed accordingly and located in one or more devices different from the implementation scenario. The modules in the above implementation scenario can be combined into one module, or can be further split into multiple sub-modules.

[0083] The above application serial numbers are for description only and do not represent the advantages or disadvantages of the implementation scenarios.

[0084] The above disclosure only discloses several specific implementation scenarios of the present application. However, the present application is not limited thereto, and any changes that can be conceived by technicians in this field should fall within the scope of protection of the present application.

Claims

1. An online approval method for resource raising business, characterized in that: include: When receiving a resource raising request from an enterprise through a charging pile operation system, obtaining power station data collected by the charging pile operation system, and generating an enterprise data collection request based on the power station data; Transmitting the enterprise data collection request to the enterprise data collection system, and receiving the enterprise data fed back by the enterprise data collection system after receiving the enterprise data collection request; Calculating a target resource raising amount using the enterprise data and the power station data; The target resource raising amount, the enterprise data and the power station data are used to perform business approval operations to obtain a target approval result, and the target approval result is sent to the charging pile operation system so that the charging pile operation system pushes the target approval result to the enterprise.

2. The online approval method for resource raising business according to claim 1, characterized in that: When receiving a resource raising request from an enterprise through a charging pile operation system, obtaining power station data collected by the charging pile operation system, and generating an enterprise data collection request based on the power station data, including: When receiving the resource raising request, issuing a data transmission authorization request to the charging pile operation system, so that the charging pile operation system displays the data transmission authorization request to the enterprise; Upon receiving the confirmation authorization instruction fed back by the charging pile operation system, obtaining the power station data uploaded by the charging pile operation system based on the resource raising interface; The enterprise name and credit code are read from the power station data, and the enterprise data collection request is generated using the enterprise name and the credit code.

3. The online approval method for resource raising business according to claim 2, characterized in that: The method further comprises: Establishing an initial enterprise profile including the credit code; The initial enterprise profile is labeled with the enterprise name.

4. The online approval method for resource raising business according to claim 1, characterized in that: After transmitting the enterprise data collection request to the enterprise data collection system and receiving the enterprise data fed back by the enterprise data collection system after receiving the enterprise data collection request, the method further includes: Read the enterprise name of the enterprise, and query the initial enterprise file associated with the enterprise name; The enterprise data is added to the initial enterprise profile to obtain the enterprise profile of the enterprise.

5. The online approval method for resource raising business according to claim 1, characterized in that: The step of using the enterprise data and the power station data to calculate the target resource raising amount includes: Extracting charging station basic data from the enterprise data, wherein the charging station basic data includes the construction cost of the power station, employee wages, site rental, number of charging guns, and power station operation time; Extracting charging pile operation data from the power station data, wherein the charging pile operation data includes electricity charges, charging time, and charging order revenue; Obtaining a cost depreciation amount, calculating the product of the cost depreciation amount and the operation time of the power station, and taking the difference between the power station construction cost and the product as the power station construction depreciation cost; Calculate the sum of the depreciation cost of the power station, the site rental, the employee wages, and the electricity fee as the monthly cost, and take the charging order income as the monthly income; Calculating a charging utilization rate using the charging duration and the number of charging guns, and adding the charging utilization rate to the power station data; The monthly cost and the monthly income are used to calculate the monthly profit, and the target resource raising amount is calculated using the monthly profit.

6. The online approval method for resource raising business according to claim 5, characterized in that: The step of calculating the target resource raising amount by using the monthly profit includes: Obtaining the rental coverage ratio and reading the resource raising period in the power plant data; The ratio of the monthly profit to the rental coverage ratio is calculated, and the product of the resource raising period and the ratio is taken as the target resource raising amount.

7. The online approval method for resource raising business according to claim 1, characterized in that: The method further comprises: If the target approval result indicates that the approval process has not passed, an approval failure reminder is generated, and the generated approval failure reminder is transmitted to the enterprise data collection system so that the enterprise data collection system re-collects new enterprise data; Receive the new enterprise data fed back by the enterprise data collection system, adopt the new enterprise data and the power station data, recalculate the new target resource fundraising amount, and re-adopt the new target resource fundraising amount, the power station data and the new enterprise data to perform business approval operations to obtain a new target approval result, and send the new target approval result to the charging pile operation system, so that the charging pile operation system pushes the new target approval result to the enterprise.

8. An online approval device for resource raising business, characterized in that: include: A generating module, configured to, when receiving a resource raising request issued by an enterprise through a charging pile operating system, obtain power station data collected by the charging pile operating system, and generate an enterprise data collection request based on the power station data; A receiving module, used for transmitting the enterprise data collection request to the enterprise data collection system, and receiving the enterprise data fed back by the enterprise data collection system after receiving the enterprise data collection request; A calculation module, used to calculate the target resource raising amount by using the enterprise data and the power station data; The first approval module is used to perform business approval operations using the target resource fundraising amount, the enterprise data and the power station data to obtain a target approval result, and send the target approval result to the charging pile operation system so that the charging pile operation system pushes the target approval result to the enterprise.

9. A device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the steps of the online approval method for resource raising business according to any one of claims 1 to 7 are implemented.

10. A storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the steps of the online approval method for resource raising business as claimed in any one of claims 1 to 7 are implemented.

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