Intelligent courier cash withdrawal management method, device and equipment

Abstract

The invention discloses a courier cash withdrawal intelligent management method, device and equipment, and the method is applied to the technical field of logistics, and comprises the steps: obtaining the historical data of a courier in a logistics platform; performing risk category prediction processing on the historical data according to a classification algorithm to obtain a target risk category corresponding to the courier; querying a target withdrawal condition corresponding to the target risk category in a preset withdrawal condition database; in response to a cash withdrawal request of the courier, obtaining a real-time cash withdrawal condition corresponding to the cash withdrawal request; and under the condition that the real-time withdrawal condition accords with the target withdrawal condition, executing a withdrawal task corresponding to the withdrawal request. According to the invention, the fund safety and the operation efficiency of the cash withdrawal process of the courier are improved.

Description

Technical Field

[0001] The present invention relates to the field of computer technology, and in particular, to an intelligent management method, device and equipment for express deliverymen to withdraw cash Background Art

[0002] Currently, when an express deliveryman uses his own prepayment, he can only view his own prepayment usage records and recharge the prepayment online. However, the express deliveryman is not allowed to directly withdraw his prepayment online through the system. He needs to find the network administrator offline, and let the network administrator transfer the funds to the express deliveryman offline, and at the same time add a cash withdrawal bill to the express deliveryman's prepayment usage record. This process is inefficient and has a high error rate, affecting the use and management of the express deliveryman's prepayment Summary of the Invention

[0003] The present invention provides an intelligent management method, device and equipment for express deliverymen to withdraw cash, which can improve the capital security, user experience and operation efficiency of the express deliveryman's cash withdrawal process

[0004] On the one hand, the present invention provides an intelligent management method for express deliverymen to withdraw cash, and the method includes: Obtain the historical data of the express deliveryman in the logistics platform; the historical data includes at least one of work performance data, credit score, and cash withdrawal frequency data Perform risk category prediction processing on the historical data according to a classification algorithm to obtain the target risk category corresponding to the express deliveryman Query the target cash withdrawal condition corresponding to the target risk category in a preset cash withdrawal condition database; the preset cash withdrawal condition database stores the corresponding relationship between the preset cash withdrawal condition and the preset risk category In response to the cash withdrawal request of the express deliveryman, obtain the real-time cash withdrawal condition corresponding to the cash withdrawal request When the real-time cash withdrawal condition meets the target cash withdrawal condition, execute the cash withdrawal task corresponding to the cash withdrawal request

[0005] In an exemplary embodiment, the method further includes: Set the cash withdrawal permission and cash withdrawal requirements of the express deliveryman according to the target cash withdrawal condition The step of, in response to the cash withdrawal request of the express deliveryman, obtaining the real-time cash withdrawal condition corresponding to the cash withdrawal request includes: Display a first input control corresponding to the cash withdrawal permission and a second input control corresponding to the cash withdrawal requirement on a preset page In response to the operations of the express deliveryman on the first input control and the second input control, determine the cash withdrawal request of the express deliveryman Parse the cash withdrawal request to obtain the real-time cash withdrawal condition corresponding to the cash withdrawal request

[0006] In an exemplary embodiment, before obtaining the real-time cash withdrawal conditions corresponding to the cash withdrawal request in response to the courier's cash withdrawal request, the method further includes: Obtaining the cash withdrawal history record of the courier within a preset historical period; the cash withdrawal history record includes the historical cash withdrawal time, historical fund requirements, and historical operation habits; Determining the optimal cash withdrawal time according to the historical cash withdrawal time and the historical fund requirements of the courier, generating a cash withdrawal suggestion according to the optimal cash withdrawal time, and sending the cash withdrawal suggestion to the courier; Monitoring the time according to the optimal cash withdrawal time in the cash withdrawal suggestion, and sending a cash withdrawal reminder message to the courier when it is detected that the current time reaches the optimal cash withdrawal time; The obtaining the real-time cash withdrawal conditions corresponding to the cash withdrawal request in response to the courier's cash withdrawal request includes: In response to the cash withdrawal request triggered by the courier based on the cash withdrawal suggestion or the cash withdrawal reminder message, obtaining the real-time cash withdrawal conditions corresponding to the cash withdrawal request.

[0007] In an exemplary embodiment, before obtaining the real-time cash withdrawal conditions corresponding to the cash withdrawal request in response to the courier's cash withdrawal request, the method further includes: Determining the cash withdrawal frequency of the courier according to the cash withdrawal history record of the courier; If the cash withdrawal frequency is greater than a preset frequency threshold, sending a planning suggestion for reasonably planning funds to the courier; If the credit score of the courier is higher than a preset score, recommending a preferential cash withdrawal strategy to the courier; The obtaining the real-time cash withdrawal conditions corresponding to the cash withdrawal request in response to the courier's cash withdrawal request includes: In response to the cash withdrawal request generated by the courier based on the planning suggestion or the preferential cash withdrawal strategy, obtaining the real-time cash withdrawal conditions corresponding to the cash withdrawal request.

[0008] In an exemplary embodiment, the performing risk category prediction processing on the historical data according to the classification algorithm to obtain the target risk category corresponding to the courier includes: Obtaining a preset model corresponding to the classification algorithm; Obtaining the sample historical data of the sample courier, and the sample historical data is labeled with sample risk category labels; the sample risk category labels include high-risk labels and low-risk labels; Inputting the sample historical data into the preset model for risk category prediction processing to obtain a sample risk category result; Adjust the parameters of the preset model according to the difference between the sample risk category result and the sample risk category label until the training end condition is met, and obtain a risk category prediction model; Input the historical data into the risk category prediction model for risk category prediction processing to obtain the target risk category corresponding to the courier.

[0009] In an exemplary embodiment, the method for constructing the preset cash withdrawal condition database includes: When the preset risk category is a high-risk category, set the preset cash withdrawal conditions to limit the cash withdrawal amount, increase the review link, and extend the cash withdrawal processing time; When the preset risk category is a low-risk category, set the preset cash withdrawal conditions to increase the cash withdrawal limit, simplify the review process, and speed up the cash withdrawal processing speed; Construct the preset cash withdrawal condition database according to the preset cash withdrawal conditions corresponding to the high-risk category and the preset cash withdrawal conditions corresponding to the low-risk category.

[0010] In an exemplary embodiment, the obtaining the real-time cash withdrawal conditions corresponding to the cash withdrawal request in response to the cash withdrawal request of the courier includes: In response to the cash withdrawal request of the courier, obtain the amount to be withdrawn and the cumulative number of cash withdrawals within the target time period; Determine the cash withdrawal amount threshold according to the average value of the historical cash withdrawal amount or the average salary of the courier; If the amount to be withdrawn is greater than the cash withdrawal amount threshold or the cumulative number of cash withdrawals is greater than the preset number of times, determine the cash withdrawal request as an abnormal request; If the amount to be withdrawn is less than or equal to the cash withdrawal amount threshold and the cumulative number of cash withdrawals is less than or equal to the preset number of times, obtain the real-time cash withdrawal conditions corresponding to the cash withdrawal request.

[0011] On the other hand, a smart management device for cash withdrawal of couriers is provided, and the device includes: A historical data acquisition module for acquiring the historical data of the courier in the logistics platform; the historical data includes at least one of work performance data, credit score, and cash withdrawal frequency data; A target risk category determination module for performing risk category prediction processing on the historical data according to a classification algorithm to obtain the target risk category corresponding to the courier; A target cash withdrawal condition query module for querying the target cash withdrawal conditions corresponding to the target risk category in the preset cash withdrawal condition database; the preset cash withdrawal condition database stores the corresponding relationship between the preset cash withdrawal conditions and the preset risk categories; A real-time withdrawal condition acquisition module, configured to respond to the courier's withdrawal request and acquire the real-time withdrawal conditions corresponding to the withdrawal request; A withdrawal task execution module, configured to execute the withdrawal task corresponding to the withdrawal request when the real-time withdrawal conditions meet the target withdrawal conditions.

[0012] In an exemplary embodiment, the apparatus further includes: A withdrawal requirement determination module, configured to set the courier's withdrawal authority and withdrawal requirements according to the target withdrawal conditions; The real-time withdrawal condition acquisition module includes: A control display unit, configured to display a first input control corresponding to the withdrawal authority and a second input control corresponding to the withdrawal requirements on a preset page; A request determination unit, configured to determine the courier's withdrawal request in response to the courier's operations on the first input control and the second input control; An analysis unit, configured to analyze the withdrawal request to obtain the real-time withdrawal conditions corresponding to the withdrawal request.

[0013] In an exemplary embodiment, the apparatus further includes: A historical record acquisition module, configured to acquire the courier's withdrawal historical records within a preset historical period; the withdrawal historical records include historical withdrawal times, historical fund requirements, and historical operation habits; A suggestion sending module, configured to determine the optimal withdrawal time according to the courier's historical withdrawal time and historical fund requirements, generate a withdrawal suggestion according to the optimal withdrawal time, and send the withdrawal suggestion to the courier; An information sending module, configured to monitor time according to the optimal withdrawal time in the withdrawal suggestion, and send a withdrawal reminder message to the courier when it is detected that the current time reaches the optimal withdrawal time; The real-time withdrawal condition acquisition module is further configured to respond to the withdrawal request triggered by the courier based on the withdrawal suggestion or the withdrawal reminder message, and acquire the real-time withdrawal conditions corresponding to the withdrawal request.

[0014] In an exemplary embodiment, the apparatus further includes: A withdrawal frequency determination module, configured to determine the courier's withdrawal frequency according to the courier's withdrawal historical records; A planning suggestion sending module, configured to send a planning suggestion for reasonably planning funds to the courier if the withdrawal frequency is greater than a preset frequency threshold; A strategy sending module, configured to recommend a preferential cash withdrawal strategy to the courier if the credit score of the courier is higher than a preset score; The real-time cash withdrawal condition obtaining module is further configured to obtain real-time cash withdrawal conditions corresponding to the cash withdrawal request in response to the cash withdrawal request generated by the courier based on the planning suggestion or the preferential cash withdrawal strategy.

[0015] In an exemplary embodiment, the target risk category determining module includes: A model obtaining unit, configured to obtain a preset model corresponding to the classification algorithm; A sample data obtaining unit, configured to obtain sample historical data of sample couriers, where the sample historical data is labeled with sample risk category labels; the sample risk category labels include high-risk labels and low-risk labels; A sample result determining unit, configured to input the sample historical data into the preset model for risk category prediction processing to obtain a sample risk category result; A model training unit, configured to adjust parameters of the preset model according to the difference between the sample risk category result and the sample risk category label until a training end condition is met, to obtain a risk category prediction model; A target risk category determining unit, configured to input the historical data into the risk category prediction model for risk category prediction processing to obtain the target risk category corresponding to the courier.

[0016] In an exemplary embodiment, the apparatus further includes: A first setting module, configured to set the preset cash withdrawal condition to a restricted cash withdrawal amount, add an approval link, and extend the cash withdrawal processing time when the preset risk category is a high-risk category; A second setting module, configured to set the preset cash withdrawal condition to increase the cash withdrawal limit, simplify the approval process, and speed up the cash withdrawal processing speed when the preset risk category is a low-risk category; A database construction module, configured to construct the preset cash withdrawal condition database according to the preset cash withdrawal conditions corresponding to the high-risk category and the preset cash withdrawal conditions corresponding to the low-risk category.

[0017] In an exemplary embodiment, the real-time cash withdrawal condition obtaining module includes: An accumulated cash withdrawal times obtaining unit, configured to obtain the amount to be withdrawn and the accumulated cash withdrawal times within a target duration in response to the courier's cash withdrawal request; A threshold determining unit, configured to determine a cash withdrawal amount threshold according to the average value of the courier's historical cash withdrawal amounts or the average salary; An exception determination unit, configured to determine the cash withdrawal request as an abnormal request if the amount to be withdrawn is greater than the cash withdrawal amount threshold or the cumulative number of cash withdrawals is greater than the preset number of times; A condition acquisition unit, configured to acquire the real-time cash withdrawal conditions corresponding to the cash withdrawal request if the amount to be withdrawn is less than or equal to the cash withdrawal amount threshold and the cumulative number of cash withdrawals is less than or equal to the preset number of times.

[0018] On the other hand, an electronic device is provided, the device includes a processor and a memory, and at least one instruction or at least one program segment is stored in the memory, and the at least one instruction or the at least one program segment is loaded and executed by the processor to implement the intelligent management method for courier cash withdrawal as described above.

[0019] On the other hand, a computer storage medium is provided, the computer storage medium stores at least one instruction or at least one program segment, and the at least one instruction or the at least one program segment is loaded and executed by a processor to implement the intelligent management method for courier cash withdrawal as described above.

[0020] On the other hand, a computer program product or a computer program is provided, the computer program product or the computer program includes computer instructions, and the computer instructions are stored in a computer-readable storage medium. The processor of the computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions, so that the computer device executes to implement the intelligent management method for courier cash withdrawal as described above.

[0021] The intelligent management method, device and equipment for courier cash withdrawal provided by the present invention have the following technical effects: The present invention obtains the historical data of the courier in the logistics platform; the historical data includes at least one of work performance data, credit score, and cash withdrawal frequency data; performs risk category prediction processing on the historical data according to a classification algorithm to obtain the target risk category corresponding to the courier; queries the target cash withdrawal conditions corresponding to the target risk category in a preset cash withdrawal condition database; the preset cash withdrawal condition database stores the corresponding relationship between the preset cash withdrawal conditions and the preset risk categories; in response to the courier's cash withdrawal request, acquires the real-time cash withdrawal conditions corresponding to the cash withdrawal request; and executes the cash withdrawal task corresponding to the cash withdrawal request when the real-time cash withdrawal conditions meet the target cash withdrawal conditions. The present invention predicts the risk category of the courier, and then determines the target cash withdrawal conditions according to the risk category, so as to execute the cash withdrawal task corresponding to the cash withdrawal request when the real-time cash withdrawal conditions meet the target cash withdrawal conditions, significantly improving the capital security, user experience, operation efficiency, decision-making support ability of the courier cash withdrawal process, and reducing the cash withdrawal management cost and service quality. Description of the Drawings

[0022] To more clearly illustrate the technical solutions and advantages in the embodiments of this specification or the prior art, the following will briefly introduce the accompanying drawings required for the description of the embodiments or the prior art. Obviously, the accompanying drawings in the following description are only some embodiments of the present invention. For those of ordinary skill in the art, without creative efforts, other accompanying drawings can be obtained based on these drawings.

[0023] Figure 1 It is a schematic diagram of an intelligent management system for couriers to withdraw cash provided by the embodiments of this specification; Figure 2 It is a schematic flowchart of an intelligent management method for couriers to withdraw cash provided by the embodiments of this specification; Figure 3 It is a schematic flowchart of a method for sending a cash withdrawal prompt message to the courier when it is detected that the current time reaches the optimal cash withdrawal time; Figure 4 It is a schematic flowchart of a method for recommending a preferential cash withdrawal strategy to the courier; Figure 5 It is a schematic flowchart of a method for performing risk category prediction processing on the historical data according to a classification algorithm to obtain the target risk category corresponding to the courier; Figure 6 It is a schematic structural diagram of an intelligent management device for couriers to withdraw cash provided by the embodiments of this specification; Figure 7 It is a schematic structural diagram of a server provided by the embodiments of this specification. Detailed implementation manners

[0024] The following will clearly and completely describe the technical solutions in the embodiments of this specification with reference to the accompanying drawings in the embodiments of this specification. Obviously, the described embodiments are only some embodiments of the present invention, rather than all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts belong to the scope of protection of the present invention.

[0025] It should be noted that the terms "first", "second", etc. in the description, claims and above-mentioned drawings of the present invention are used to distinguish similar objects and do not necessarily have to be used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged under appropriate circumstances so that the embodiments of the present invention described here can be implemented in an order different from those illustrated or described here. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusion. For example, a process, method, system, product or server that includes a series of steps or units does not necessarily have to be limited to those steps or units clearly listed, but may include other steps or units not clearly listed or inherent to these processes, methods, products or devices.

[0026] Please refer to Figure 1 , Figure 1 which is a schematic diagram of an intelligent management system for couriers to withdraw cash provided by an embodiment of this specification. As Figure 1 shown, the intelligent management system for couriers to withdraw cash can at least include a server 01 and a client 02.

[0027] Specifically, in the embodiment of this specification, the server 01 can include an independently operating server, or a distributed server, or a server cluster composed of multiple servers, and can also be a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN (Content Delivery Network), as well as big data and artificial intelligence platforms. The server 01 can include a network communication unit, a processor, a memory, and so on. Specifically, the server 01 can be used to execute the cash withdrawal task corresponding to the cash withdrawal request when the real-time cash withdrawal condition meets the target cash withdrawal condition.

[0028] Specifically, in the embodiment of this specification, the client 02 can include physical devices such as smart phones, desktop computers, tablet computers, laptop computers, digital assistants, smart wearable devices, smart speakers, vehicle terminals, smart TVs, etc., and can also include software running on the physical devices, such as web pages provided by some service providers to users, or applications provided by these service providers to users. Specifically, the client 02 can be used to display the cash withdrawal task and the cash withdrawal result.

[0029] The following introduces an intelligent management method for couriers to withdraw cash of the present invention. Figure 2It is a flowchart of a method for intelligent management of courier cash withdrawals provided in an embodiment of this specification. This specification provides method operation steps as described in the embodiment or flowchart, but may include more or fewer operation steps based on conventional or non-creative labor. The order of steps listed in the embodiment is only one way of executing the steps among many orders, and does not represent the only order of execution. When the actual system or server product is executed, it can be executed in sequence or in parallel (for example, in a parallel processor or multi-threaded processing environment) according to the method shown in the embodiment or the accompanying drawings. Specifically, Figure 2 As shown, the method may include: S201: Obtain historical data of the courier in the logistics platform; the historical data includes at least one of work performance data, credit score, and cash withdrawal frequency data. In the embodiments of this specification, historical data such as the courier's work performance, credit score, withdrawal frequency, etc.; wherein, the work performance data may include the courier's delivery punctuality rate, customer complaint rate, package damage rate, etc. For example, couriers with high delivery punctuality rate and low customer complaint rate are generally considered to have good work performance. The credit score can be derived based on a combination of multiple factors, such as the length of cooperation with the platform, whether the platform regulations are complied with, whether there are any illegal operations, etc. The platform can regularly conduct credit assessments on couriers and give corresponding scores. The withdrawal frequency data can record the number of times the courier initiates withdrawals within a certain period of time. Frequent withdrawals may imply some potential risks, such as difficulties in capital turnover or other unstable factors. Conduct an in-depth analysis of these historical data to understand the correlation and influencing factors between different data, and provide a basis for subsequent risk stratification.

[0030] S203: Perform risk category prediction processing on the historical data according to a classification algorithm to obtain a target risk category corresponding to the courier.

[0031] In the embodiments of this specification, the withdrawal authority and requirements are dynamically adjusted according to historical data, and the classification algorithm is used to stratify the risks of couriers. For high-risk users, more stringent withdrawal conditions can be set, and low-risk users can enjoy more relaxed policies. Common classification algorithms are selected, such as decision trees, random forests, support vector machines, etc. These algorithms can classify couriers according to the input historical data into two levels: high risk and low risk. For example, when using the random forest algorithm, historical data is first used as input features, and the courier's risk category is used as the output label. Then, by training multiple decision trees and integrating their prediction results, the final classification result is obtained. When training a classification algorithm, historical data needs to be divided into a training set and a test set to evaluate the performance and accuracy of the algorithm. Indicators such as accuracy, recall, and F1 value can be used to measure the effectiveness of the classification algorithm.

[0032] S205: Query the target cash withdrawal condition corresponding to the target risk category in the preset cash withdrawal condition database; the corresponding relationship between the preset cash withdrawal condition and the preset risk category is stored in the preset cash withdrawal condition database.

[0033] In the embodiments of this specification, the target risk category may include a high-risk category and a low-risk category. For high-risk users, stricter cash withdrawal conditions can be set. For low-risk users, a more relaxed policy can be enjoyed.

[0034] S207: In response to the courier's cash withdrawal request, obtain the real-time cash withdrawal condition corresponding to the cash withdrawal request.

[0035] In the embodiments of this specification, the courier's cash withdrawal request can be parsed to obtain the real-time cash withdrawal condition currently corresponding to the cash withdrawal request, so as to further determine whether it meets the target cash withdrawal condition.

[0036] S209: When the real-time cash withdrawal condition meets the target cash withdrawal condition, execute the cash withdrawal task corresponding to the cash withdrawal request.

[0037] In the embodiments of this specification, it can be automatically determined whether the real-time cash withdrawal condition meets the target cash withdrawal condition, and when the real-time cash withdrawal condition meets the target cash withdrawal condition, the cash withdrawal task corresponding to the cash withdrawal request is executed to achieve intelligent completion of the cash withdrawal task and avoid manual review.

[0038] In the embodiments of this specification, the method further includes: Set the cash withdrawal permission and cash withdrawal requirements of the courier according to the target cash withdrawal condition; Correspondingly, the obtaining the real-time cash withdrawal condition corresponding to the cash withdrawal request in response to the courier's cash withdrawal request includes: Display a first input control corresponding to the cash withdrawal permission and a second input control corresponding to the cash withdrawal requirement on a preset page; In response to the courier's operations on the first input control and the second input control, determine the courier's cash withdrawal request; Parse the cash withdrawal request to obtain the real-time cash withdrawal condition corresponding to the cash withdrawal request.

[0039] In the embodiments of this specification, the first input control corresponding to the cash withdrawal permission can be used to determine the required permission, and the second input control corresponding to the cash withdrawal requirement can be used to determine the real-time cash withdrawal requirement; then a cash withdrawal request is generated according to the required permission and the real-time cash withdrawal requirement, and the real-time cash withdrawal condition corresponding to the cash withdrawal request is parsed.

[0040] In the embodiments of this specification, such as Figure 3As shown, before obtaining the real-time cash withdrawal conditions corresponding to the cash withdrawal request in response to the courier's cash withdrawal request, the method further includes: S301: Obtain the cash withdrawal history record of the courier within a preset historical period; the cash withdrawal history record includes the historical cash withdrawal time, historical fund requirements, and historical operation habits; S303: Determine the optimal cash withdrawal time according to the courier's historical cash withdrawal time and historical fund requirements, generate a cash withdrawal suggestion according to the optimal cash withdrawal time, and send the cash withdrawal suggestion to the courier.

[0041] S305: Monitor the time according to the optimal cash withdrawal time in the cash withdrawal suggestion, and send a cash withdrawal reminder message to the courier when it is detected that the current time reaches the optimal cash withdrawal time.

[0042] Correspondingly, obtaining the real-time cash withdrawal conditions corresponding to the cash withdrawal request in response to the courier's cash withdrawal request includes: In response to the cash withdrawal request triggered by the courier based on the cash withdrawal suggestion or the cash withdrawal reminder message, obtain the real-time cash withdrawal conditions corresponding to the cash withdrawal request.

[0043] In the embodiments of this specification, by analyzing the cash withdrawal history records of couriers, understand when and under what circumstances they usually initiate cash withdrawal applications. For example, some couriers may withdraw cash after the end-of-month salary settlement, while some may withdraw cash after receiving a large income. Consider the courier's fund requirement situation, such as whether there are urgent expenses, whether bills need to be paid, etc. If the platform can understand the courier's fund requirements, it can provide more targeted cash withdrawal suggestions. Analyze the user's operation habits, such as the time pattern of using the platform, the preferred operation method, etc. This can help the platform push cash withdrawal reminders or suggestions to couriers at the appropriate time. The courier can trigger a cash withdrawal request based on the cash withdrawal suggestion or the cash withdrawal reminder message.

[0044] In the embodiments of this specification, send them a reminder a few days before the end of the month, informing them that they can prepare for the cash withdrawal operation. If the platform discovers that a courier will receive a large income soon and they may have a fund requirement, it can suggest that they withdraw cash immediately after the income arrives. The reminder methods can be diversified, such as pushing messages, sending text messages, displaying reminders on the platform interface, etc. Ensure that the reminder is timely and does not cause interference to the courier.

[0045] Exemplarily, the prepayment page can be displayed, the layout can be adjusted, and the available amount / frozen amount fields can be added, with the data obtained from the network steward. Click the "?" button behind the frozen amount to trigger the explanatory bubble "The frozen amount is the amount that has been applied for cash withdrawal but not yet transferred". Add a cash withdrawal button and an entry for the cash withdrawal record. Click the "Cash Withdrawal" button to enter the "Prepayment Cash Withdrawal" page, and click the "Cash Withdrawal Record" entry to enter the "Cash Withdrawal Record" page. Conditions for hiding / showing and lighting / graying out the cash withdrawal button: Button hiding / showing: When the courier's account status is normally enabled or in arrears, the button is shown, otherwise it is not shown; Button lighting / graying out: When the permission to enable the cash withdrawal / online recharge button is set on the network steward, it is lit, otherwise it is grayed out. Pop-up reminder for lack of permission: When the cash withdrawal button is grayed out due to lack of permission, click to pop up a reminder "The network has not yet set the cash withdrawal permission"; Exceeding the maximum number of cash withdrawals: When clicking the cash withdrawal button, the network steward is called to determine whether the current number of cash withdrawals exceeds the maximum number of cash withdrawals configured by the network steward. If it exceeds, do not enter the next page and pop up a reminder "At most x times per day / week / month, you have exceeded the number of cash withdrawals", where day / week / month / number of times are variables obtained from the network steward. For example, if the network steward is set to 5 times per month, the reminder should be "At most 5 times per month, you have exceeded the number of cash withdrawals".

[0046] In some embodiments, as Figure 4 shown, before obtaining the real-time cash withdrawal conditions corresponding to the cash withdrawal request in response to the courier's cash withdrawal request, the method further includes: S401: Determine the cash withdrawal frequency of the courier according to the courier's cash withdrawal history record; S403: If the cash withdrawal frequency is greater than a preset frequency threshold, send a planning suggestion for reasonable fund planning to the courier; S405: If the credit score of the courier is higher than a preset score, recommend a preferential cash withdrawal strategy to the courier.

[0047] Correspondingly, obtaining the real-time cash withdrawal conditions corresponding to the cash withdrawal request in response to the courier's cash withdrawal request includes: In response to the cash withdrawal request generated by the courier based on the planning suggestion or the preferential cash withdrawal strategy, obtain the real-time cash withdrawal conditions corresponding to the cash withdrawal request.

[0048] In the embodiments of this specification, in addition to reminding the cash withdrawal timing, the platform can also provide personalized cash withdrawal suggestions according to the specific situation of the courier. For example, if the cash withdrawal frequency of the courier is relatively high, they can be advised to reasonably plan their funds to avoid the handling fees and time costs brought by frequent cash withdrawals. If the credit score of the courier is relatively high, they can be recommended to use some preferential cash withdrawal policies of the platform, such as handling fee reduction, quick arrival of funds, etc. Then, the courier can generate a cash withdrawal request according to the planning suggestions or the preferential cash withdrawal strategy, so as to improve the cash withdrawal efficiency.

[0049] In some embodiments, as Figure 5 shown, the risk category prediction process of the historical data according to the classification algorithm to obtain the target risk category corresponding to the courier includes: S501: Obtain the preset model corresponding to the classification algorithm; S503: Obtain the sample historical data of the sample courier, and the sample historical data is labeled with sample risk category labels; the sample risk category labels include high-risk labels and low-risk labels; S505: Input the sample historical data into the preset model for risk category prediction processing to obtain a sample risk category result; S507: According to the difference between the sample risk category result and the sample risk category label, adjust the parameters of the preset model until the training end condition is met to obtain a risk category prediction model; S509: Input the historical data into the risk category prediction model for risk category prediction processing to obtain the target risk category corresponding to the courier.

[0050] In the embodiments of this specification, a preset model can be constructed through a decision tree, a random forest, and a support vector machine, and then the model can be trained according to the sample historical data to obtain a risk category prediction model. Among them, the target loss data can be determined according to the difference between the sample risk category result and the sample risk category label, and then the parameters of the preset model can be adjusted according to the target loss data until the training end condition is met to obtain a risk category prediction model; thus, the target risk category corresponding to the courier can be quickly and accurately predicted according to the risk category prediction model.

[0051] In the embodiments of this specification, the construction method of the preset cash withdrawal condition database includes: When the preset risk category is a high-risk category, set the preset cash withdrawal condition to limit the cash withdrawal amount, increase the review link, and extend the cash withdrawal processing time; When the preset risk category is a low-risk category, set the preset cash withdrawal condition to increase the cash withdrawal limit, simplify the review process, and speed up the cash withdrawal processing speed; Construct the preset cash withdrawal condition database according to the preset cash withdrawal conditions corresponding to the high-risk category and the preset cash withdrawal conditions corresponding to the low-risk category.

[0052] In the embodiments of this specification, for high-risk users, stricter cash withdrawal conditions can be set. For example, restricting the cash withdrawal amount, adding an approval process, extending the cash withdrawal processing time, etc. For low-risk users, a more relaxed policy can be enjoyed. For example, increasing the cash withdrawal limit, simplifying the approval process, accelerating the cash withdrawal processing speed, etc. Dynamically adjusting the cash withdrawal permissions and requirements can change in real time according to the risk status of the courier, ensuring the safety of funds and the stable operation of the platform. In the embodiments of this specification, the obtaining of the real-time cash withdrawal conditions corresponding to the cash withdrawal request in response to the cash withdrawal request of the courier includes: In response to the cash withdrawal request of the courier, obtain the amount to be withdrawn and the cumulative number of cash withdrawals within the target duration; Determine the cash withdrawal amount threshold according to the average value of the historical cash withdrawal amount or the average salary of the courier; If the amount to be withdrawn is greater than the cash withdrawal amount threshold or the cumulative number of cash withdrawals is greater than the preset number of times, determine the cash withdrawal request as an abnormal request; If the amount to be withdrawn is less than or equal to the cash withdrawal amount threshold and the cumulative number of cash withdrawals is less than or equal to the preset number of times, obtain the real-time cash withdrawal conditions corresponding to the cash withdrawal request.

[0053] In the embodiments of this specification, an unusually large cash withdrawal can be defined as a certain multiple exceeding the average value of the courier's historical cash withdrawal amount, or a cash withdrawal amount that is significantly inconsistent with their income level. For example, if a courier's usual cash withdrawal amount is around a few hundred yuan and suddenly initiates a cash withdrawal application of several thousand yuan, it may be regarded as an unusually large cash withdrawal. Frequent cash withdrawals can be defined as the number of cash withdrawal initiations exceeding the normal range within a certain period of time. For example, initiating multiple cash withdrawal applications within a day, or the number of cash withdrawals within a week being significantly higher than the historical average level. Establish a real-time monitoring system. When the courier submits the cash withdrawal information, immediately analyze the cash withdrawal request to identify whether there are abnormal patterns.

[0054] Once an abnormal pattern is detected, a risk assessment is required. Consider multiple factors, such as the courier's historical performance, credit score, current business status, etc. If the risk is high, some measures can be taken, such as suspending the cash withdrawal application, requiring additional supporting materials, conducting manual review, etc. If the risk is low, further investigation and verification can be carried out, and at the same time, a notice can be sent to the courier to ask about the reasons and purposes of their cash withdrawal. According to the courier's reply, decide whether to approve the cash withdrawal application.

[0055] To reduce the occurrence of abnormal cash withdrawals, some preventive measures can be taken. For example, strengthen the training of couriers to improve their risk awareness; regularly publicize the cash withdrawal rules and policies so that couriers understand the requirements and restrictions of the platform. Continuously improve the abnormal pattern recognition system, optimize the algorithm and monitoring mechanism by continuously collecting new data and feedback, and improve the accuracy and timeliness of recognition.

[0056] In the embodiments of this specification, when the network point steward configures the cash withdrawal amount - without limit, the maximum cash withdrawal amount is "the available amount of the prepayment, and those less than 0 are counted as 0"; When the network point steward configures the cash withdrawal amount - restricted percentage, the maximum cash withdrawal amount is "the available amount of the prepayment * the maximum cash withdrawal percentage set by the network point, and those greater than or less than 0 are counted as 0"; When the network point steward configures the cash withdrawal amount - restricted retention amount, the maximum cash withdrawal amount is "the available amount of the prepayment - the restricted retention amount, and those less than 0 are counted as 0"; Amount entry: Click on the amount entry box to bring up the numeric keypad, and only allow the input of numbers 3. Button for submitting cash withdrawal information Lighting / graying condition: It lights up when both the receiving account and the cash withdrawal amount have values, otherwise it is grayed out; when it is grayed out and this button is clicked, a pop-up window (toast) will remind according to the missing field "Please first complete the xx information". Submission verification: When the button lights up and is clicked to submit, it is judged whether the entered amount is greater than the maximum cash withdrawal amount. If so, a toast will remind "The entered amount must not be greater than the maximum cash withdrawal amount. Please modify and try again". If not, it will be submitted to the network point steward. The submitted information must include the network point code, courier code, cash withdrawal amount, receiving account, and the user identifier (userID) corresponding to the receiving account.

[0057] Reminder for successful / failed submission: A toast will remind "Submission successful" for successful submission. A toast will remind "Submission failed: reason for failure" for failed submission.

[0058] After the courier initiates a cash withdrawal application, for the requirements of review and cash withdrawal records, use natural language processing (NLP) technology to parse and understand the review opinions.

[0059] Establish a clear review process to ensure that cash withdrawal applications can be processed promptly and fairly. The review can include multiple links, such as automatic review, manual review, etc. Formulate review criteria, and determine whether to approve a cash withdrawal application based on factors such as the risk stratification of the courier, cash withdrawal amount, cash withdrawal frequency, etc. For example, for small cash withdrawal applications of low-risk users, automatic review can be carried out; for large cash withdrawal applications of high-risk users, manual review is required.

[0060] Keep detailed records of couriers' cash withdrawal applications and review results, including information such as the amount of cash withdrawal, the time of cash withdrawal, and review comments. These records can be used for subsequent analysis and auditing, and can also help the platform understand the cash withdrawal behaviors and needs of couriers. Conduct regular analysis of the cash withdrawal records to identify potential problems and trends. For example, if it is found that there are many cash withdrawal applications from couriers in a certain area, further investigation can be carried out to determine whether there are business problems or other factors affecting their income and capital needs.

[0061] Use natural language processing technology to parse the review comments to understand the decision-making basis and suggestions of the reviewers. For example, classify the review comments into categories such as approved, rejected, and need to supplement materials through text classification algorithms. Use sentiment analysis technology to judge the positive or negative degree of the review comments in order to better understand the attitudes and concerns of the reviewers. Extract keywords from the review comments to identify the key information and problems, provide clearer feedback and improvement suggestions for the couriers. At the same time, it can also help the platform optimize the review process and standards, and improve the review efficiency and quality.

[0062] 1. Requirements for network administrators' review: Through the network steward system, network administrators can review the cash withdrawal applications submitted by couriers, and the permitted operations are passed, not passed, and closed. If the review is passed, the system initiates a cash withdrawal according to the approved cash withdrawal amount.

[0063] 2. After a courier submits a cash withdrawal application, they can view the cash withdrawal application record and the payment progress.

[0064] 3. Definitions of each status in the cash withdrawal record Pending review: The network steward has not reviewed after the courier submits. Review not passed: The network steward's review is not passed after the courier submits. Review passed - pending payment: The network steward's review is passed after the courier submits, but the payment has not been successfully made yet (initiating a payment but the payment is not successful also belongs to this status). Review passed - payment made: The network steward's review is passed after the courier submits, and the payment has been successfully made. Closed: The application was closed during the network review. 4. Definitions of each field in the cash withdrawal record Order status: Pending review, review not passed, review passed - pending payment, review passed - payment made Cash withdrawal amount: The amount of cash withdrawal entered by the courier when submitting the application. Receiving account: Alipay + account number (the account number can still be displayed encrypted). Submission time: The time when the courier submits the application. Order number: The order number uniformly generated by the online store steward, the unique code for each application. Review Time: The operation time when the network manager approves or rejects Payment Time: The operation time when the final payment is successful Review Opinion: The review opinion filled in during the network review 5. Fields to be displayed for various statuses in the cash withdrawal record Pending Review: Order status, cash withdrawal amount, receiving account, submission time, order number (if any) Review Rejected / Approved - Pending Payment: Order status, cash withdrawal amount, receiving account, submission time, order number (if any), review time, review opinion (if any) Approved - Paid: Order status, cash withdrawal amount, receiving account, submission time, order number, review time, payment time, review opinion (if any) Closed: Order status, cash withdrawal amount, receiving account, submission time, order number (if any), closing time, closing reason (if any) 6. Requirements for filtering cash withdrawal records Status: Click to trigger the status filtering pop - up window, supporting selection of all, pending review, review rejected, approved - pending payment, approved - paid, closed Date: By default, the last 7 days (including the current day) are displayed. Clicking supports filtering the date range, and up to 90 - day data can be selected at most.

[0065] 7. Sorting of cash withdrawal records: Sorted in reverse order according to the submission time, with the later - submitted ones ranked higher.

[0066] As can be seen from the technical solutions provided in the embodiments of this specification, the embodiments of this specification obtain the historical data of couriers in the logistics platform; the historical data includes at least one of work performance data, credit scores, and cash withdrawal frequency data; perform risk category prediction processing on the historical data according to a classification algorithm to obtain the target risk category corresponding to the courier; query the target cash withdrawal conditions corresponding to the target risk category in a preset cash withdrawal condition database; the preset cash withdrawal condition database stores the corresponding relationship between preset cash withdrawal conditions and preset risk categories; in response to the courier's cash withdrawal request, obtain the real - time cash withdrawal conditions corresponding to the cash withdrawal request; and execute the cash withdrawal task corresponding to the cash withdrawal request when the real - time cash withdrawal conditions meet the target cash withdrawal conditions. The present invention predicts the risk category of the courier, then determines the target cash withdrawal conditions according to the risk category, and thus executes the cash withdrawal task corresponding to the cash withdrawal request when the real - time cash withdrawal conditions meet the target cash withdrawal conditions, significantly improving the capital security, user experience, operation efficiency, and decision - making support ability of the courier cash withdrawal process, and reducing the cash withdrawal management cost and service quality.

[0067] The embodiments of this specification also provide an intelligent management device for courier cash withdrawal, such asFigure 6 As shown, the device includes: A historical data acquisition module 610 for acquiring the historical data of the courier in the logistics platform; the historical data includes at least one of work performance data, credit score, and cash withdrawal frequency data; A target risk category determination module 620 for performing risk category prediction processing on the historical data according to a classification algorithm to obtain the target risk category corresponding to the courier; A target cash withdrawal condition query module 630 for querying the target cash withdrawal condition corresponding to the target risk category in a preset cash withdrawal condition database; the preset cash withdrawal condition database stores the correspondence between preset cash withdrawal conditions and preset risk categories; A real-time cash withdrawal condition acquisition module 640 for acquiring the real-time cash withdrawal condition corresponding to the cash withdrawal request in response to the cash withdrawal request of the courier; A cash withdrawal task execution module 650 for executing the cash withdrawal task corresponding to the cash withdrawal request when the real-time cash withdrawal condition meets the target cash withdrawal condition.

[0068] In an exemplary embodiment, the device further includes: A cash withdrawal requirement determination module for setting the cash withdrawal permission and cash withdrawal requirements of the courier according to the target cash withdrawal condition; The real-time cash withdrawal condition acquisition module includes: A control display unit for displaying a first input control corresponding to the cash withdrawal permission and a second input control corresponding to the cash withdrawal requirement on a preset page; A request determination unit for determining the cash withdrawal request of the courier in response to the operations of the courier on the first input control and the second input control; An analysis unit for analyzing the cash withdrawal request to obtain the real-time cash withdrawal condition corresponding to the cash withdrawal request.

[0069] In an exemplary embodiment, the device further includes: A historical record acquisition module for acquiring the cash withdrawal historical record of the courier within a preset historical period; the cash withdrawal historical record includes historical cash withdrawal time, historical fund requirements, and historical operation habits; A suggestion sending module for determining the best cash withdrawal timing according to the historical cash withdrawal time and the historical fund requirements of the courier, generating a cash withdrawal suggestion according to the best cash withdrawal timing, and sending the cash withdrawal suggestion to the courier; An information sending module for monitoring the time according to the best cash withdrawal timing in the cash withdrawal suggestion, and sending a cash withdrawal reminder message to the courier when it is detected that the current time reaches the best cash withdrawal timing; The real-time cash withdrawal condition obtaining module is further configured to obtain the real-time cash withdrawal conditions corresponding to the cash withdrawal request in response to the cash withdrawal request triggered by the courier based on the cash withdrawal suggestion or the cash withdrawal prompt information.

[0070] In an exemplary embodiment, the apparatus further includes: A cash withdrawal frequency determination module, configured to determine the cash withdrawal frequency of the courier according to the cash withdrawal history record of the courier; A planning suggestion sending module, configured to send a planning suggestion for reasonably planning funds to the courier if the cash withdrawal frequency is greater than a preset frequency threshold; A policy sending module, configured to recommend a preferential cash withdrawal policy to the courier if the credit score of the courier is higher than a preset score; The real-time cash withdrawal condition obtaining module is further configured to obtain the real-time cash withdrawal conditions corresponding to the cash withdrawal request in response to the cash withdrawal request generated by the courier based on the planning suggestion or the preferential cash withdrawal policy.

[0071] In some embodiments, the target risk category determination module includes: A model acquisition unit, configured to acquire a preset model corresponding to the classification algorithm; A sample data acquisition unit, configured to acquire sample historical data of sample couriers, where the sample historical data is labeled with sample risk category labels; the sample risk category labels include a high-risk label and a low-risk label; A sample result determination unit, configured to input the sample historical data into the preset model for risk category prediction processing to obtain a sample risk category result; A model training unit, configured to adjust the parameters of the preset model according to the difference between the sample risk category result and the sample risk category label until the training end condition is met, to obtain a risk category prediction model; A target risk category determination unit, configured to input the historical data into the risk category prediction model for risk category prediction processing to obtain the target risk category corresponding to the courier.

[0072] In an exemplary embodiment, the apparatus further includes: A first setting module, configured to set the preset cash withdrawal conditions as restricting the cash withdrawal amount, increasing the review link, and extending the cash withdrawal processing time when the preset risk category is a high-risk category; A second setting module, configured to set the preset cash withdrawal conditions as increasing the cash withdrawal limit, simplifying the review process, and accelerating the cash withdrawal processing speed when the preset risk category is a low-risk category; A database construction module for constructing the preset cash withdrawal condition database according to the preset cash withdrawal conditions corresponding to the high-risk categories and the preset cash withdrawal conditions corresponding to the low-risk categories.

[0073] In an exemplary embodiment, the real-time cash withdrawal condition acquisition module includes: An accumulated cash withdrawal times acquisition unit for, in response to the cash withdrawal request of the courier, acquiring the amount to be withdrawn and the accumulated cash withdrawal times within a target time period; A threshold determination unit for determining a cash withdrawal amount threshold according to the average value of the historical cash withdrawal amounts or the average salary of the courier; An abnormality determination unit for, if the amount to be withdrawn is greater than the cash withdrawal amount threshold or the accumulated cash withdrawal times are greater than a preset number of times, determining the cash withdrawal request as an abnormal request; A condition acquisition unit for, if the amount to be withdrawn is less than or equal to the cash withdrawal amount threshold and the accumulated cash withdrawal times are less than or equal to the preset number of times, acquiring the real-time cash withdrawal conditions corresponding to the cash withdrawal request.

[0074] The device in the device embodiment and the method embodiment are based on the same inventive concept.

[0075] An embodiment of this specification provides an electronic device, which includes a processor and a memory. At least one instruction or at least one program segment is stored in the memory, and the at least one instruction or at least one program segment is loaded and executed by the processor to implement the intelligent management method for courier cash withdrawal provided in the above method embodiment.

[0076] An embodiment of the present invention also provides a computer storage medium, which can be set in a terminal to store at least one instruction or at least one program segment related to implementing an intelligent management method for courier cash withdrawal in the method embodiment. The at least one instruction or at least one program segment is loaded and executed by the processor to implement the intelligent management method for courier cash withdrawal provided in the above method embodiment.

[0077] An embodiment of the present invention also provides a computer program product or a computer program, which includes computer instructions stored in a computer-readable storage medium. The processor of the computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions to enable the computer device to execute to implement the intelligent management method for courier cash withdrawal provided in the above method embodiment.

[0078] Optionally, in the embodiments of this specification, the storage medium may be located in at least one of multiple network servers of a computer network. Optionally, in this embodiment, the above storage medium may include, but is not limited to: various media that can store program codes such as USB flash drives, read-only memories (ROMs), random access memories (RAMs), mobile hard disks, magnetic disks, or optical discs.

[0079] The memory described in the embodiments of this specification can be used to store software programs and modules. The processor executes various functional applications and data processing by running the software programs and modules stored in the memory. The memory mainly includes a program storage area and a data storage area. Among them, the program storage area can store an operating system, application programs required for functions, etc.; the data storage area can store data created according to the use of the device, etc. In addition, the memory may include high-speed random access memory and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other non-volatile solid-state storage devices. Correspondingly, the memory may further include a memory controller to provide the processor with access to the memory.

[0080] The embodiments of the intelligent management method for couriers' cash withdrawals provided in the embodiments of this specification can be executed on a mobile terminal, a computer terminal, a server, or a similar computing device. Taking the execution on a server as an example, Figure 7 is the hardware structure block diagram of a server for the intelligent management method for couriers' cash withdrawals provided in the embodiments of this specification. As Figure 7As shown, the server 700 can vary significantly depending on configuration or performance, and may include one or more central processing units (CPUs) 710 (the central processing unit 710 may include, but is not limited to, processing devices such as microprocessor MCUs or programmable logic devices FPGAs), a memory 730 for storing data, and one or more storage media 720 for storing application programs 723 or data 722 (such as one or more mass storage devices). Among them, the memory 730 and the storage media 720 can be transient storage or persistent storage. The programs stored in the storage media 720 may include one or more modules, and each module may include a series of instruction operations on the server. Further, the central processing unit 710 may be configured to communicate with the storage media 720 and execute a series of instruction operations in the storage media 720 on the server 700. The server 700 may also include one or more power supplies 760, one or more wired or wireless network interfaces 750, one or more input / output interfaces 740, and / or one or more operating systems 721, such as Windows ServerTM, Mac OS XTM, UnixTM, LinuxTM, FreeBSD TM, and so on.

[0081] The input / output interface 740 can be used to receive or send data via a network. Specific examples of the above network may include a wireless network provided by the communication provider of the server 700. In one example, the input / output interface 740 includes a network interface controller (NIC), which can be connected to other network devices through a base station and thus communicate with the Internet. In one example, the input / output interface 740 can be a radio frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0082] Those of ordinary skill in the art can understand that Figure 7 the structure shown is only illustrative and does not limit the structure of the above electronic device. For example, the server 700 may also include more or fewer components than those Figure 7 shown, or have a different configuration from that Figure 7 shown.

[0083] As can be seen from the embodiments of the intelligent management method, device, electronic device or storage medium for cash withdrawal by couriers provided by the present invention above, the present invention obtains the historical data of the courier in the logistics platform; the historical data includes at least one of work performance data, credit score, and cash withdrawal frequency data; performs risk category prediction processing on the historical data according to a classification algorithm to obtain the target risk category corresponding to the courier; queries the target cash withdrawal condition corresponding to the target risk category in a preset cash withdrawal condition database; the preset cash withdrawal condition database stores the corresponding relationship between the preset cash withdrawal condition and the preset risk category; in response to the cash withdrawal request of the courier, obtains the real-time cash withdrawal condition corresponding to the cash withdrawal request; and executes the cash withdrawal task corresponding to the cash withdrawal request when the real-time cash withdrawal condition meets the target cash withdrawal condition. By predicting the risk category of the courier and then determining the target cash withdrawal condition according to the risk category, the present invention executes the cash withdrawal task corresponding to the cash withdrawal request when the real-time cash withdrawal condition meets the target cash withdrawal condition, significantly improving the capital security, user experience, operation efficiency, and decision-making support ability of the courier cash withdrawal process, and reducing the cash withdrawal management cost and service quality.

[0084] It should be noted that: the above sequence of embodiments in this specification is only for description and does not represent the superiority or inferiority of the embodiments. And the above specific embodiments of this specification have been described. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recorded in the claims can be executed in a different order from that in the embodiments and still achieve the desired results. Additionally, the processes depicted in the drawings do not necessarily require the specific order or sequential order shown to achieve the desired results. In certain embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0085] Each embodiment in this specification is described in a progressive manner. The same or similar parts among the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the embodiments of the device, equipment, and storage medium, since they are basically similar to the method embodiments, the description is relatively simple, and the relevant parts can refer to the partial description of the method embodiments.

[0086] Those of ordinary skill in the art can understand that all or part of the steps to implement the above embodiments can be completed by hardware, or can be completed by a program instructing relevant hardware. The program can be stored in a computer storage medium, and the above-mentioned storage medium can be a read-only memory, a magnetic disk, an optical disk, etc.

[0087] The above are only the preferred embodiments of the present invention and are not intended to limit the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principle of the present invention shall be included within the protection scope of the present invention.

Claims

1. An intelligent management method for courier cash withdrawal, characterized in that: The method comprises: Obtaining historical data of the courier in the logistics platform; the historical data includes at least one of work performance data, credit score, and cash withdrawal frequency data; Perform risk category prediction processing on the historical data according to a classification algorithm to obtain a target risk category corresponding to the courier; Querying the target withdrawal condition corresponding to the target risk category in a preset withdrawal condition database; the preset withdrawal condition database stores the correspondence between the preset withdrawal condition and the preset risk category; In response to the courier's withdrawal request, obtaining real-time withdrawal conditions corresponding to the withdrawal request; When the real-time withdrawal condition meets the target withdrawal condition, the withdrawal task corresponding to the withdrawal request is executed.

2. The method according to claim 1, characterized in that The method further comprises: According to the target withdrawal conditions, set the withdrawal authority and withdrawal requirements of the courier; The step of obtaining, in response to the courier's withdrawal request, a real-time withdrawal condition corresponding to the withdrawal request, comprises: Displaying a first input control corresponding to the withdrawal authority and a second input control corresponding to the withdrawal request on a preset page; In response to the courier's operation on the first input control and the second input control, determining the courier's cash withdrawal request; Parse the withdrawal request to obtain the real-time withdrawal condition corresponding to the withdrawal request.

3. The method according to claim 1, characterized in that Before the method of responding to the withdrawal request of the courier and obtaining the real-time withdrawal conditions corresponding to the withdrawal request, the method further includes: Obtain the cash withdrawal history of the courier within a preset historical period; the cash withdrawal history includes historical cash withdrawal time, historical capital demand and historical operation habits; Determine the best withdrawal time according to the historical withdrawal time and the historical fund demand of the courier, generate a withdrawal suggestion according to the best withdrawal time, and send the withdrawal suggestion to the courier; Performing time monitoring according to the optimal withdrawal time in the withdrawal suggestion, and sending a withdrawal reminder message to the courier when it is monitored that the current time reaches the optimal withdrawal time; The step of obtaining, in response to the courier's withdrawal request, a real-time withdrawal condition corresponding to the withdrawal request, comprises: In response to a withdrawal request triggered by the courier based on the withdrawal suggestion or the withdrawal prompt information, a real-time withdrawal condition corresponding to the withdrawal request is obtained.

4. The method according to any one of claims 1 to 3, characterized in that: Before the method of responding to the withdrawal request of the courier and obtaining the real-time withdrawal conditions corresponding to the withdrawal request, the method further includes: Determining the cash withdrawal frequency of the courier according to the cash withdrawal history of the courier; If the withdrawal frequency is greater than a preset frequency threshold, a planning suggestion for rationally planning funds is sent to the courier; If the courier's credit score is higher than a preset score, recommend a preferential cash withdrawal strategy to the courier; The step of obtaining, in response to the courier's withdrawal request, a real-time withdrawal condition corresponding to the withdrawal request, comprises: In response to a withdrawal request generated by the courier based on the planning suggestion or the preferential withdrawal strategy, a real-time withdrawal condition corresponding to the withdrawal request is obtained.

5. The method according to any one of claims 1 to 3, characterized in that: The risk category prediction processing is performed on the historical data according to the classification algorithm to obtain the target risk category corresponding to the courier, including: Obtaining a preset model corresponding to the classification algorithm; Obtain sample historical data of a sample courier, wherein the sample historical data is annotated with a sample risk category label; the sample risk category label includes a high-risk label and a low-risk label; Inputting the sample historical data into the preset model to perform risk category prediction processing to obtain a sample risk category result; According to the difference between the sample risk category result and the sample risk category label, the parameters of the preset model are adjusted until the training end condition is met to obtain a risk category prediction model; The historical data is input into the risk category prediction model for risk category prediction processing to obtain the target risk category corresponding to the courier.

6. The method according to any one of claims 1 to 3, characterized in that: The method for constructing the preset withdrawal condition database includes: When the preset risk category is a high risk category, the preset withdrawal conditions are set to limit the withdrawal amount, increase the review process, and extend the withdrawal processing time; When the preset risk category is a low risk category, the preset withdrawal conditions are set to increase the withdrawal limit, simplify the review process, and speed up the withdrawal processing speed; The preset withdrawal condition database is constructed according to the preset withdrawal conditions corresponding to the high-risk category and the preset withdrawal conditions corresponding to the low-risk category.

7. The method according to any one of claims 1 to 3, characterized in that: The step of obtaining, in response to the courier's withdrawal request, a real-time withdrawal condition corresponding to the withdrawal request, comprises: In response to the courier's withdrawal request, obtain the amount to be withdrawn and the cumulative number of withdrawals within the target time; Determine the withdrawal amount threshold value according to the average value of the historical withdrawal amount or the average salary of the courier; If the amount to be withdrawn is greater than the withdrawal amount threshold or the cumulative number of withdrawals is greater than a preset number, the withdrawal request is determined as an abnormal request; If the amount to be withdrawn is less than or equal to the withdrawal amount threshold and the cumulative number of withdrawals is less than or equal to the preset number, the real-time withdrawal condition corresponding to the withdrawal request is obtained.

8. An intelligent management device for courier cash withdrawal, characterized in that: The device comprises: A historical data acquisition module, used to acquire the courier's historical data in the logistics platform; the historical data includes at least one of work performance data, credit score, and cash withdrawal frequency data; A target risk category determination module is used to perform risk category prediction processing on the historical data according to a classification algorithm to obtain a target risk category corresponding to the courier; A target withdrawal condition query module, used to query the target withdrawal condition corresponding to the target risk category in a preset withdrawal condition database; the preset withdrawal condition database stores the correspondence between the preset withdrawal condition and the preset risk category; A real-time cash withdrawal condition acquisition module, used to respond to the cash withdrawal request of the courier and acquire the real-time cash withdrawal condition corresponding to the cash withdrawal request; The withdrawal task execution module is used to execute the withdrawal task corresponding to the withdrawal request when the real-time withdrawal condition meets the target withdrawal condition.

9. An electronic device, characterized in that: The device includes: a processor and a memory, wherein the memory stores at least one instruction or at least one program, and the at least one instruction or at least one program is loaded and executed by the processor to implement the intelligent management method for courier cash withdrawal as described in any one of claims 1-7.

10. A computer storage medium, characterized in that: The computer storage medium stores at least one instruction or at least one program, and the at least one instruction or at least one program is loaded and executed by the processor to implement the intelligent management method for courier withdrawals as described in any one of claims 1-7.

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