Smart management method and system for all-purpose card

By cleaning data and analyzing the functional characteristics of the one-card system, the system is divided and the user curve is constructed, and the happiness index is calculated, the problem of low management efficiency in the existing technology is solved, and more efficient user management and system optimization is achieved.

CN120387587AInactive Publication Date: 2025-07-29DONGGUAN MINHUI ELECTRONIC TECHNOLOGY CO LTD
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Patent Information

Application Number
CN202510521617.6
Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
Filing Date
2025-04-24
Publication Date
2025-07-29
Estimated Expiration
Not applicable · inactive patent

AI Technical Summary

Technical Problem

The existing smart management method of one card failed to fully analyze the card-use record data of card holders, resulting in a decrease in management efficiency and effectiveness.

Method used

By cleaning the data of the one-card system and analyzing the functional characteristics, the system is divided into attendance, finance and borrowing subsystems, building the attendance visual curve and consumption actions of cardholders, calculating the happiness index, and generating management optimization strategies.

Benefits of technology

It improves the management effect of the one-card system, enhances data understanding and information communication, promotes system optimization, and improves user happiness index.

✦ Generated by Eureka AI based on patent content.

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Abstract

The invention relates to the technical field of system management, and discloses an all-purpose card intelligent management method and system, and the method comprises the steps: dividing an all-purpose card system into an attendance subsystem, a financial subsystem and a borrowing subsystem; the attendance checking subsystem is used for extracting attendance checking data of the card-holding user in the attendance checking subsystem, constructing an attendance checking visual curve of the card-holding user, marking an attendance checking positive interval, an attendance checking normal interval and an attendance checking negative interval in the attendance checking visual curve, and calculating an attendance checking state value of the card-holding user; extracting financial data of a card-holding user in the financial subsystem, identifying a consumption action of the card-holding user, calculating a consumption loss value of the card-holding user, extracting borrowing data of the card-holding user in the borrowing subsystem, identifying a borrowing scene of the card-holding user, and calculating a self-iteration value of the card-holding user; and calculating a happiness index of the card-holding user, generating a management optimization strategy of the all-purpose card system, and executing intelligent management of the all-purpose card system. According to the invention, the management effect of the all-purpose card system is improved.
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Description

Technical Field

[0001] The present invention relates to the technical field of system management, and particularly to a one-card intelligent management method and system. Background Art

[0002] One-card intelligent management is a comprehensive management system that realizes the integrated management process of multiple functions through one-card technology and intelligent means. The one-card intelligent management system uses one-card technology and intelligent means to improve management efficiency and convenience, and provides better services and management for schools, enterprises, etc.

[0003] Currently, the one-card intelligent management method mainly realizes data transmission between modules of the one-card system through cloud computing and Internet of Things technologies, so as to achieve one-card intelligent management. This method only effectively links the modules of the one-card system, and does not fully analyze the card usage record data of cardholders in the one-card system, such as attendance records, consumption records, etc., to optimize the management of cardholders, reducing the management effect of the one-card system. Summary of the Invention

[0004] The present invention provides a one-card intelligent management method and system, whose main purpose is to improve the management effect of the one-card system.

[0005] To achieve the above purpose, a one-card intelligent management method provided by the present invention includes:

[0006] Obtain the system data of the one-card system, perform data cleaning on the system data to obtain cleaned data, identify the data attributes of the cleaned data, analyze the system function characteristics of the one-card system according to the data attributes, and divide the one-card system into an attendance subsystem, a financial subsystem, and a borrowing subsystem according to the system function characteristics;

[0007] Extract the attendance data of cardholders in the attendance subsystem according to the cleaned data, construct the attendance visual curve of the cardholders according to the attendance data, mark the attendance active interval, attendance normal interval, and attendance negative interval in the attendance visual curve, and calculate the attendance status value of the cardholders according to the attendance active interval, the attendance normal interval, the attendance negative interval, and the attendance visual curve;

[0008] Extract the financial data of cardholders in the financial subsystem according to the cleaned data, identify the consumption actions of the cardholders according to the financial data, and calculate the consumption loss value of the cardholders according to the consumption actions;

[0009] Extract the borrowing data of card - holding users in the borrowing subsystem according to the cleaned data, identify the borrowing scenarios of the card - holding users based on the borrowing data, and calculate the self - iteration value of the card - holding users according to the borrowing scenarios;

[0010] Calculate the happiness index of the card - holding users according to the attendance status value, the consumption loss value, and the self - iteration value, generate the management optimization strategy for the one - card - through system according to the happiness index, and perform intelligent management on the one - card - through system according to the management optimization strategy.

[0011] Optionally, the data cleaning of the system data to obtain the cleaned data includes:

[0012] Identify the abnormal data in the system data;

[0013] Construct data cleaning rules based on the abnormal data;

[0014] Clean the abnormal data according to the data cleaning rules to obtain the initial cleaned data

[0015] Normalize the format of the initial cleaned data to obtain the standardized cleaned data;

[0016] Verify the logical consistency of the standardized cleaned data;

[0017] When the logical consistency verification is successful, integrate the standardized cleaned data to obtain the cleaned data.

[0018] Optionally, dividing the one - card - through system into an attendance subsystem, a financial subsystem, and a borrowing subsystem includes:

[0019] Construct a functional feature matrix of the system functional features;

[0020] Analyze the functional feature relationships between the system functional features according to the functional feature matrix;

[0021] Sort out the functional hierarchy of the one - card - through system according to the functional feature relationships;

[0022] Divide the one - card - through system into the attendance subsystem, the financial subsystem, and the borrowing subsystem according to the functional hierarchy.

[0023] Optionally, the analyzing the functional feature relationships between the system functional features according to the functional feature matrix includes:

[0024] According to the functional feature matrix, calculate the functional correlation value of the system functional features using the following formula:

[0025]

[0026] Among them, represents a function-related value, G represents a function threshold of system function characteristics, and F e represents the e-th system function characteristic, represents the n-th function characteristic value corresponding to the e-th system function characteristic, and F f represents the f-th system function characteristic, represents the m-th function characteristic value corresponding to the f-th system function characteristic, and ρ represents a characteristic matrix;

[0027] Evaluate the function characteristic relationship between the system function characteristics according to the function-related value.

[0028] Optionally, the calculating the attendance status value of the cardholder according to the attendance positive interval, the attendance normal interval, the attendance negative interval, and the attendance visual curve includes:

[0029] Respectively assign an attendance positive weight, an attendance normal weight, and an attendance negative weight to the attendance positive interval, the attendance normal interval, and the attendance negative interval;

[0030] According to the attendance visual curve, respectively mark the attendance positive times, the attendance normal times, and the attendance negative times of the cardholder in the attendance positive interval, the attendance normal interval, and the attendance negative interval;

[0031] Calculate the attendance status value of the cardholder according to the attendance positive weight, the attendance normal weight, the attendance negative weight, the attendance positive times, the attendance normal times, and the attendance negative times.

[0032] Optionally, the calculating the attendance status value of the cardholder according to the attendance positive weight, the attendance normal weight, the attendance negative weight, the attendance positive times, the attendance normal times, and the attendance negative times includes:

[0033] Calculate the attendance status value of the cardholder according to the attendance positive weight, the attendance normal weight, the attendance negative weight, the attendance positive times, the attendance normal times, and the attendance negative times by using the following formula:

[0034]

[0035] Among them, A tzA represents the attendance status value, B represents the total number of card swipes by the cardholder, C1 represents the positive attendance weight, D1 represents the number of positive attendance times, C2 represents the normal attendance weight, D2 represents the number of normal attendance times, C3 represents the negative attendance weight, and D3 represents the number of negative attendance times.

[0036] Optionally, calculating the consumption loss value of the cardholder according to the consumption action includes:

[0037] Identifying the consumption amount in the consumption action;

[0038] Calculating the consumption loss value of the cardholder according to the consumption amount and the consumption action using the following formula:

[0039]

[0040] where K mn represents the consumption loss value, θ L represents the L-th consumption action, θ M represents the number of consumption times in the L-th consumption action, θ N represents the consumption scenario in the L-th consumption action, P L,N represents the consumption amount corresponding to the consumption scenario of the L-th consumption action, Y(P L ) represents the consumption willingness of the cardholder in the consumption scenario of the L-th consumption action.

[0041] Optionally, calculating the self-iteration value of the cardholder according to the borrowing scenario includes:

[0042] Identifying the borrowing type of the cardholder in the borrowing scenario;

[0043] Analyzing the self-iteration items of the cardholder according to the borrowing type;

[0044] Marking the borrowing frequency of the borrowing type according to the borrowing scenario;

[0045] Calculating the self-iteration value of the cardholder according to the borrowing frequency and the self-iteration items using the following formula:

[0046] ρ(S) = ∑ t=1 T(U t V t ) i ;

[0047] where ρ(S) represents the self-iteration value, t represents the number of self-iteration items, U t represents the t-th self-iteration item, V t represents the borrowing frequency of the t-th self-iteration item, T represents the expected value function, and i represents the imaginary unit.

[0048] Optionally, calculating the happiness index of the cardholder according to the attendance status value, the consumption loss value, and the self-iteration value includes:

[0049] Identifying the commuting time of the cardholder according to the attendance status value;

[0050] Calculating the commuting cost of the cardholder according to the consumption loss value;

[0051] Analyzing the richness of the cardholder's life according to the self-iteration value;

[0052] Calculating the happiness index of the cardholder according to the commuting time, the commuting cost, and the richness of life, including:

[0053] Assigning weight coefficients to the commuting time, the commuting cost, and the richness of life according to a preset weight rule to obtain a commuting time weight coefficient, a commuting cost weight coefficient, and a richness of life weight coefficient;

[0054] Calculating the happiness index of the cardholder by using the following formula according to the commuting time weight coefficient, the commuting cost weight coefficient, and the richness of life weight coefficient:

[0055] Y = {W + X + Z};

[0056] Wherein, Y represents the happiness index, W represents the commuting time weight coefficient, X represents the commuting cost weight coefficient, and Z represents the richness of life weight coefficient.

[0057] A one-card intelligent management system, characterized in that the system includes:

[0058] A system division module, configured to obtain system data of the one-card system, perform data cleaning on the system data to obtain cleaned data, identify data attributes of the cleaned data, analyze system function characteristics of the one-card system according to the data attributes, and divide the one-card system into an attendance subsystem, a financial subsystem, and a borrowing subsystem according to the system function characteristics;

[0059] An attendance status value calculation module, configured to extract attendance data of a cardholder in the attendance subsystem according to the cleaned data, construct an attendance visual curve of the cardholder according to the attendance data, mark an attendance active interval, an attendance normal interval, and an attendance negative interval in the attendance visual curve, and calculate the attendance status value of the cardholder according to the attendance active interval, the attendance normal interval, the attendance negative interval, and the attendance visual curve;

[0060] A consumption loss value calculation module, configured to extract the financial data of card-holding users in the financial subsystem according to the cleaned data, identify the consumption actions of the card-holding users according to the financial data, and calculate the consumption loss value of the card-holding users according to the consumption actions;

[0061] A self-iteration value calculation module, configured to extract the borrowing data of card-holding users in the borrowing subsystem according to the cleaned data, identify the borrowing scenarios of the card-holding users according to the borrowing data, and calculate the self-iteration value of the card-holding users according to the borrowing scenarios;

[0062] A system management optimization module, configured to calculate the happiness index of the card-holding users according to the attendance status value, the consumption loss value, and the self-iteration value, generate a management optimization strategy for the one-card system according to the happiness index, and perform intelligent management on the one-card system according to the management optimization strategy.

[0063] In the embodiment of the present invention, by performing data cleaning on the system data, the obtained cleaned data can remove invalid data in the system data and improve the later data processing efficiency. Further, in the embodiment of the present invention, by analyzing the system function characteristics of the one-card system according to the data attributes, the function modules of the one-card system can be analyzed through the system function characteristics, thereby improving the management effect of the one-card system. Among them, in the embodiment of the present invention, by constructing the attendance visual curve of the card-holding users according to the attendance data, the attendance data can be visualized, which can enhance data understanding, strengthen information transmission, promote insight discovery, and provide support and guidance in the decision-making process. Further, in the embodiment of the present invention, by identifying the consumption actions of the card-holding users according to the financial data, the daily consumption habits of the card-holding users can be understood, thereby providing a data basis for calculating the consumption cost of the card-holding users in the later stage. Further, in the embodiment of the present invention, by identifying the borrowing scenarios of the card-holding users according to the borrowing data, the borrowing situations of the card-holding users can be analyzed through the borrowing scenarios, thereby analyzing the perfection degree of the borrowing subsystem. In the embodiment of the present invention, by calculating the happiness index of the card-holding users according to the attendance status value, the consumption loss value, and the self-iteration value, the living status of the card-holding users can be analyzed according to the happiness index, thereby optimizing the inhumane system of the one-card system and improving the intelligent management of the one-card system. Therefore, the one-card intelligent management method and system provided by the embodiment of the present invention can improve the management effect of the one-card system. Description of the Drawings

[0064] Figure 1 It is a schematic flowchart of a one-card intelligent management method provided by an embodiment of the present invention;

[0065] Figure 2 Function module diagram of a smart management system for all-in-one card provided by an embodiment of the present invention;

[0066] Figure 3 Structural schematic diagram of an electronic device for implementing the smart management method for all-in-one card provided by an embodiment of the present invention.

[0067] The realization, functional characteristics and advantages of the object of the present invention will be further described in conjunction with the embodiments with reference to the accompanying drawings. Specific embodiments

[0068] It should be understood that the specific embodiments described herein are only used to explain the present invention and are not used to limit the present invention.

[0069] An embodiment of the present application provides a smart management method for all-in-one card. In the embodiment of the present application, the execution subject of the smart management method for all-in-one card includes, but is not limited to, at least one of electronic devices such as a server, a terminal, etc. that can be configured to execute the method provided by the embodiment of the present application. In other words, the smart management method for all-in-one card can be executed by software or hardware installed on a terminal device or a server device, and the software can be a blockchain platform. The server includes, but is not limited to: a single server, a server cluster, a cloud server or a cloud server cluster, etc. The server can be an independent server or 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, Content Delivery Network (CDN), and big data and artificial intelligence platforms.

[0070] Referring to Figure 1 As shown, it is a flow schematic diagram of a smart management method for all-in-one card provided by an embodiment of the present invention. In this embodiment, the smart management method for all-in-one card includes steps S1 - S6.

[0071] S1. Obtain the system data of the all-in-one card system, perform data cleaning on the system data to obtain cleaned data, identify the data attributes of the cleaned data, analyze the system function characteristics of the all-in-one card system according to the data attributes, and divide the all-in-one card system into an attendance subsystem, a financial subsystem, and a borrowing subsystem according to the system function characteristics.

[0072] In the embodiment of the present invention, the all-in-one card system refers to a comprehensive management system that realizes the integrated management of multiple functions through all-in-one card technology and intelligent means, such as a campus all-in-one card system, an enterprise all-in-one card system, etc. Among them, the system data refers to the data generated by the operation of the all-in-one card system.

[0073] In the embodiments of the present invention, by performing data cleaning on the system data, the obtained cleaned data can remove invalid data in the system data and improve the efficiency of subsequent data processing. Among them, the cleaned data refers to the data set after a series of operations such as supplementing missing values and deleting invalid values on the system data.

[0074] As an embodiment of the present invention, the performing data cleaning on the system data to obtain cleaned data includes: identifying abnormal data in the system data; constructing a data cleaning rule according to the abnormal data; performing data cleaning on the abnormal data according to the data cleaning rule to obtain initial cleaned data; normalizing the format of the initial cleaned data to obtain standardized cleaned data; verifying the logical consistency of the standardized cleaned data; and when the logical consistency verification is successful, integrating the standardized cleaned data to obtain the cleaned data.

[0075] Among them, the abnormal data refers to the data with abnormalities in the system data, the data cleaning rule refers to the rule strategy for performing data cleaning on the abnormal data, the initial cleaned data refers to the data set obtained after cleaning the abnormal data, the standardized cleaned data refers to the data set after unifying the format of the initial cleaned data, and the logical consistency refers to whether the logical relationship and consistency of the standardized cleaned data follow relevant business rules and constraint conditions.

[0076] Further, in an optional embodiment of the present invention, the constructing a data cleaning rule according to the abnormal data can be processed by rules such as removing invalid values, supplementing missing values, and deleting duplicate values.

[0077] In the embodiments of the present invention, by identifying the data attributes of the cleaned data, the characteristics of the data can be analyzed through the data attributes, providing a data basis for subsequent system function division. Among them, the data attribute refers to the data characteristics of the cleaned data, such as consumer data, attendance data, and other characteristics.

[0078] As an embodiment of the present invention, the identifying the data attributes of the cleaned data can be analyzed through the Pna data analysis tool by the data attributes.

[0079] Further, in the embodiments of the present invention, by analyzing the system function characteristics of the one-card system according to the data attributes, the function modules of the one-card system can be analyzed through the system function characteristics, thereby improving the management effect of the one-card system. Among them, the system function characteristics refer to the function characteristics of the one-card system, such as attendance, consumption, borrowing, and other function characteristics.

[0080] As an embodiment of the present invention, analyzing the system function characteristics of the one-card system according to the data attributes can be achieved through a characteristic function.

[0081] Furthermore, in an embodiment of the present invention, by dividing the one-card system into an attendance subsystem, a financial subsystem, and a borrowing subsystem according to the system function characteristics, the one-card system can be functionally divided and each function module can be analyzed and processed to improve the processing efficiency of the one-card system. Among them, the attendance subsystem refers to the module in the one-card system responsible for attendance, the financial subsystem refers to the module in the one-card system responsible for consumption, and the borrowing subsystem refers to the module in the one-card system responsible for the borrowing function.

[0082] As an embodiment of the present invention, dividing the one-card system into an attendance subsystem, a financial subsystem, and a borrowing subsystem according to the system function characteristics includes: constructing a function characteristic matrix of the system function characteristics; analyzing the function characteristic relationship between the system function characteristics according to the function characteristic matrix; sorting out the function hierarchy structure of the one-card system according to the function characteristic relationship; and dividing the one-card system into the attendance subsystem, the financial subsystem, and the borrowing subsystem according to the function hierarchy structure.

[0083] Among them, the function characteristic matrix refers to a square matrix constructed by system function characteristics, the function characteristic relationship refers to the functional correlation between the system function characteristics, and the function hierarchy structure refers to the function structure of the one-card system.

[0084] Furthermore, in an optional implementation of the present invention, analyzing the function characteristic relationship between the system function characteristics according to the function characteristic matrix includes: calculating the function correlation value of the system function characteristics by using the following formula according to the function characteristic matrix:

[0085]

[0086] Among them, represents the function correlation value, G represents the function threshold of the system function characteristics, F e represents the e-th system function characteristic, represents the n-th function characteristic value corresponding to the e-th system function characteristic, F f represents the f-th system function characteristic, represents the m-th function characteristic value corresponding to the f-th system function characteristic, and ρ represents the characteristic matrix;

[0087] Evaluating the function characteristic relationship between the system function characteristics according to the function correlation value.

[0088] S2. Extract the attendance data of the card - holding users in the attendance subsystem according to the cleaning data. Based on the attendance data, construct the attendance visual curve of the card - holding users, mark the attendance active interval, attendance normal interval, and attendance negative interval in the attendance visual curve, and calculate the attendance status value of the card - holding users according to the attendance active interval, the attendance normal interval, the attendance negative interval, and the attendance visual curve.

[0089] In the embodiment of the present invention, the attendance data refers to the data generated by the one - card system when running the attendance subsystem, such as sign - in data, sign - out data, etc.

[0090] Furthermore, in the embodiment of the present invention, by constructing the attendance visual curve of the card - holding users according to the attendance data, the attendance data can be visualized, which can enhance data understanding, strengthen information transmission, promote insight discovery, and provide support and guidance in the decision - making process. Among them, the attendance visual curve refers to the attendance chart of the card - holding users constructed through the attendance data.

[0091] As an embodiment of the present invention, the construction of the attendance visual curve of the card - holding users according to the attendance data can be achieved through a curve function.

[0092] Furthermore, in the embodiment of the present invention, by marking the attendance active interval, attendance normal interval, and attendance negative interval in the attendance visual curve, the attendance status of the card - holding users can be analyzed through interval division. Among them, the attendance active interval refers to the time period when the card - holding user is defined as attendance - active, the attendance normal interval refers to the time period when the card - holding user is defined as attendance - normal, and the attendance negative interval refers to the time period when the card - holding user is defined as attendance - negative.

[0093] As an embodiment of the present invention, the marking of the attendance active interval, attendance normal interval, and attendance negative interval in the attendance visual curve can be determined through a preset management system and manual experience.

[0094] Furthermore, in the embodiment of the present invention, by calculating the attendance status value of the card - holding users according to the attendance active interval, the attendance normal interval, the attendance negative interval, and the attendance visual curve, it can be known whether the card - holder is normally present, providing a data basis for the system adjustment of the one - card system. Among them, the attendance status value refers to the normal degree of the card - holding user's attendance check - in.

[0095] As an embodiment of the present invention, calculating the attendance status value of the cardholder according to the attendance active interval, the attendance normal interval, the attendance negative interval, and the attendance visual curve includes: respectively assigning an attendance active weight, an attendance normal weight, and an attendance negative weight to the attendance active interval, the attendance normal interval, and the attendance negative interval; according to the attendance visual curve, respectively marking the attendance active times, the attendance normal times, and the attendance negative times of the cardholder in the attendance active interval, the attendance normal interval, and the attendance negative interval; and calculating the attendance status value of the cardholder according to the attendance active weight, the attendance normal weight, the attendance negative weight, the attendance active times, the attendance normal times, and the attendance negative times.

[0096] Wherein, the attendance active weight, the attendance normal weight, and the attendance negative weight refer to the weight coefficients corresponding to different card punching intervals of the cardholder, and the attendance active times, the attendance normal times, and the attendance negative times refer to the card punching times corresponding to different card punching intervals of the cardholder.

[0097] Further, in an optional embodiment of the present invention, calculating the attendance status value of the cardholder according to the attendance active weight, the attendance normal weight, the attendance negative weight, the attendance active times, the attendance normal times, and the attendance negative times includes:

[0098]

[0099] Wherein, A tz represents the attendance status value, B represents the total number of times the cardholder punches the card, C1 represents the attendance active weight, D1 represents the attendance active times, C2 represents the attendance normal weight, D2 represents the attendance normal times, C3 represents the attendance negative weight, and D3 represents the attendance negative times.

[0100] S3. Extract the financial data of the cardholder in the financial subsystem according to the cleaned data, identify the consumption actions of the cardholder according to the financial data, and calculate the consumption loss value of the cardholder according to the consumption actions.

[0101] In the embodiment of the present invention, the financial data refers to the data generated by the operation of the financial subsystem, such as data of card recharge orders, cafeteria consumption data, etc.

[0102] Further, in the embodiment of the present invention, by identifying the consumption actions of the cardholder according to the financial data, the daily consumption habits of the cardholder can be understood, thereby providing a data basis for calculating the consumption cost of the cardholder in the later stage. Wherein, the consumption action refers to the event that the cardholder consumes through the one-card pass.

[0103] As an embodiment of the present invention, identifying the consumption actions of the cardholder based on the financial data may be achieved by extracting the consumption data from the financial data and generating consumption actions according to the consumption data.

[0104] Furthermore, in the embodiment of the present invention, by calculating the consumption loss value of the cardholder according to the consumption actions, the consumption situation of the cardholder can be analyzed, and thus the financial system of the one-card system can be optimized according to the current environment, thereby improving the intelligent management of the one-card system. Among them, the consumption loss value refers to the consumption amount of the cardholder.

[0105] As an embodiment of the present invention, calculating the consumption loss value of the cardholder according to the consumption actions includes: identifying the consumption amount in the consumption actions; and calculating the consumption loss value of the cardholder by using the following formula according to the consumption amount and the consumption actions:

[0106]

[0107] where K mn represents the consumption loss value, θ L represents the L-th consumption action, θ M represents the number of consumption times in the L-th consumption action, θ N represents the consumption scenario in the L-th consumption action, P L,N represents the consumption amount corresponding to the consumption scenario of the L-th consumption action, and Y(P L ) represents the consumption willingness degree of the cardholder in the consumption scenario of the L-th consumption action.

[0108] S4. Extract the borrowing data of the cardholder in the borrowing subsystem according to the cleaning data, identify the borrowing scenario of the cardholder according to the borrowing data, and calculate the self-iteration value of the cardholder according to the borrowing scenario.

[0109] In the embodiment of the present invention, the borrowing data refers to the data generated by the operation of the borrowing subsystem, such as book borrowing records and fitness equipment borrowing records.

[0110] Furthermore, in the embodiment of the present invention, by identifying the borrowing scenario of the cardholder according to the borrowing data, the borrowing situation of the cardholder can be analyzed through the borrowing scenario, and thus the improvement degree of the borrowing subsystem can be analyzed. Among them, the borrowing scenario is the number of times the cardholder borrows in the borrowing subsystem.

[0111] As an embodiment of the present invention, identifying the borrowing scenario of the cardholder according to the borrowing data can be achieved by querying with a query statement.

[0112] Furthermore, in the embodiment of the present invention, by calculating the self-iteration value of the cardholder according to the borrowing scenario, the applicability of the borrowing subsystem to the cardholder can be analyzed. Wherein, the self-iteration value refers to the degree of self-iteration of the cardholder.

[0113] As an embodiment of the present invention, calculating the self-iteration value of the cardholder according to the borrowing scenario includes: identifying the borrowing type of the cardholder in the borrowing scenario; analyzing the self-iteration items of the cardholder according to the borrowing type; marking the borrowing frequency of the borrowing type according to the borrowing scenario; and calculating the self-iteration value of the cardholder according to the borrowing frequency and the self-iteration items.

[0114] Wherein, the borrowing type refers to the type of items borrowed by the cardholder, such as types of books, fitness equipment, etc., and the self-iteration items refer to the items for the cardholder to make learning and adjustment, such as professional skills, physical fitness, etc.

[0115] Furthermore, in an alternative embodiment of the present invention, calculating the self-iteration value of the cardholder according to the borrowing frequency and the self-iteration items includes:

[0116] Calculating the self-iteration value of the cardholder according to the borrowing frequency and the self-iteration items by using the following formula:

[0117] ρ(S) = ∑ t=1 T(U t V t ) i ;

[0118] Wherein, ρ(S) represents the self-iteration value, t represents the number of self-iteration items, U t represents the t-th self-iteration item, V t represents the borrowing frequency of the t-th self-iteration item, T represents the expected value function, and i represents the imaginary unit.

[0119] Furthermore, in an alternative embodiment of the present invention, identifying the borrowing type of the cardholder in the borrowing scenario can be implemented by a clustering function.

[0120] S5. Calculate the happiness index of the cardholder according to the attendance status value, the consumption loss value, and the self-iteration value, generate a management optimization strategy for the one-card system according to the happiness index, and perform intelligent management on the one-card system according to the management optimization strategy.

[0121] In an embodiment of the present invention, by calculating the happiness index of the cardholder based on the attendance status value, the consumption loss value, and the self-iteration value, the living status of the cardholder can be analyzed according to the happiness index, so as to optimize the inhumane system of the one-card system and improve the intelligent management of the one-card system. Among them, the happiness index refers to an index for measuring the life happiness of the cardholder, such as indicators of the cardholder's work status, living status, etc.

[0122] As an embodiment of the present invention, calculating the happiness index of the cardholder according to the attendance status value, the consumption loss value, and the self-iteration value includes: identifying the commuting time of the cardholder according to the attendance status value; calculating the commuting cost of the cardholder according to the consumption loss value; analyzing the richness of the cardholder's life according to the self-iteration value; and calculating the happiness index of the cardholder according to the commuting time, the commuting cost, and the richness of life.

[0123] Among them, the commuting time refers to the time for the cardholder to go to work or study every day, the commuting cost refers to the cost that the cardholder has to spend to go to work or study every day, and the richness of life refers to the richness degree of the cardholder's life.

[0124] Further, in an optional embodiment of the present invention, calculating the happiness index of the cardholder according to the commuting time, the commuting cost, and the richness of life includes: assigning weight coefficients to the commuting time, the commuting cost, and the richness of life according to a preset weight rule to obtain a commuting time weight coefficient, a commuting cost weight coefficient, and a richness of life weight coefficient; and calculating the happiness index of the cardholder by using the following formula according to the commuting time weight coefficient, the commuting cost weight coefficient, and the richness of life weight coefficient:

[0125] Y = {W + X + Z};

[0126] Among them, Y represents the happiness index, W represents the commuting time weight coefficient, X represents the commuting cost weight coefficient, and Z represents the richness of life weight coefficient.

[0127] In an embodiment of the present invention, by generating a management optimization strategy for the one-card system according to the happiness index, the one-card system can be managed and optimized, and the management effect of the one-card system can be improved. Among them, the management optimization strategy refers to a strategy for optimizing the management system of the one-card system, such as strategies for adjusting the attendance time, reducing the water usage cost, etc.

[0128] As an embodiment of the present invention, generating the management optimization strategy of the one-card system according to the happiness index can targetedly formulate an optimization strategy by analyzing the missing values of the happiness index.

[0129] In the embodiment of the present invention, by executing the intelligent management of the one-card system according to the management optimization strategy, the original lacking policies of the one-card system can be optimized through the management optimization strategy, so as to realize the effective management of the card-holding users through the one-card system.

[0130] In the embodiment of the present invention, by performing data cleaning on the system data to obtain the cleaned data, invalid data in the system data can be removed, and the data processing efficiency in the later stage can be improved. Further, in the embodiment of the present invention, by analyzing the system function characteristics of the one-card system according to the data attributes, the function modules of the one-card system can be analyzed through the system function characteristics, so as to improve the management effect of the one-card system. Among them, in the embodiment of the present invention, by constructing the attendance visual curve of the card-holding users according to the attendance data, the attendance data can be visualized, which can enhance data understanding, strengthen information transmission, promote insight discovery, and provide support and guidance in the decision-making process. Further, in the embodiment of the present invention, by identifying the consumption actions of the card-holding users according to the financial data, the daily consumption habits of the card-holding users can be understood, so as to provide a data basis for calculating the consumption costs of the card-holding users in the later stage. Further, in the embodiment of the present invention, by identifying the borrowing scenarios of the card-holding users according to the borrowing data, the borrowing situations of the card-holding users can be analyzed through the borrowing scenarios, so as to analyze the perfection degree of the borrowing subsystem. In the embodiment of the present invention, by calculating the happiness index of the card-holding users according to the attendance status value, the consumption loss value, and the self-iteration value, the living status of the card-holding users can be analyzed according to the happiness index, so as to optimize the inhumane system of the one-card system and improve the intelligent management of the one-card system. Therefore, a one-card intelligent management method provided by the embodiment of the present invention can improve the management effect of the one-card system.

[0131] As Figure 2 shown, it is a functional module diagram of a one-card intelligent management system provided by an embodiment of the present invention.

[0132] The smart management system 200 of the all-in-one card according to the present invention can be installed in an electronic device. According to the functions achieved, the smart management system 200 of the all-in-one card may include a system division module 201, an attendance status value calculation module 202, a consumption loss value calculation module 203, a self-iteration value calculation module 204, and a system management optimization module 205. The modules in the present invention may also be referred to as units, which refer to a series of computer program segments that can be executed by a processor of an electronic device and can complete fixed functions, and are stored in the memory of the electronic device.

[0133] In this embodiment, the functions of each module / unit are as follows:

[0134] The system division module 201 is used to obtain the system data of the all-in-one card system, clean the system data to obtain cleaned data, identify the data attributes of the cleaned data, analyze the system function characteristics of the all-in-one card system according to the data attributes, and divide the all-in-one card system into an attendance subsystem, a financial subsystem, and a borrowing subsystem according to the system function characteristics;

[0135] The attendance status value calculation module 202 is used to extract the attendance data of the card-holding users in the attendance subsystem according to the cleaned data, construct the attendance visual curve of the card-holding users according to the attendance data, mark the attendance active interval, the attendance normal interval, and the attendance negative interval in the attendance visual curve, and calculate the attendance status value of the card-holding users according to the attendance active interval, the attendance normal interval, the attendance negative interval, and the attendance visual curve;

[0136] The consumption loss value calculation module 203 is used to extract the financial data of the card-holding users in the financial subsystem according to the cleaned data, identify the consumption actions of the card-holding users according to the financial data, and calculate the consumption loss value of the card-holding users according to the consumption actions;

[0137] The self-iteration value calculation module 204 is used to extract the borrowing data of the card-holding users in the borrowing subsystem according to the cleaned data, identify the borrowing scenarios of the card-holding users according to the borrowing data, and calculate the self-iteration value of the card-holding users according to the borrowing scenarios;

[0138] The system management optimization module 205 is used to calculate the happiness index of the card-holding users according to the attendance status value, the consumption loss value, and the self-iteration value, generate the management optimization strategy of the all-in-one card system according to the happiness index, and perform the smart management of the all-in-one card system according to the management optimization strategy.

[0139] Specifically, when the modules in the one-card intelligent management system 200 described in the embodiments of the present application are used, they adopt the same technical means as the one-card intelligent management method described above Figure 1 and can produce the same technical effects, which will not be elaborated here.

[0140] As Figure 3 shown, it is a schematic structural diagram of an electronic device 1 for implementing a one-card intelligent management method provided by an embodiment of the present invention.

[0141] The electronic device 1 may include a processor 10, a memory 11, a communication bus 12, and a communication interface 13, and may further include a computer program stored in the memory 11 and executable on the processor 10, such as a one-card intelligent management method program.

[0142] Among them, the processor 10 may be composed of integrated circuits in some embodiments. For example, it may be composed of a single packaged integrated circuit, or may be composed of multiple integrated circuits with the same or different functions, including a combination of one or more central processing units (CPUs), microprocessors, digital processing chips, graphics processors, and various control chips. The processor 10 is the control core (Control Unit) of the electronic device 1, connecting various components of the entire electronic device through various interfaces and lines, and by running or executing programs or modules stored in the memory 11 (such as executing a one-card intelligent management method program, etc.), and calling data stored in the memory 11, to perform various functions of the electronic device and process data.

[0143] The memory 11 includes at least one type of readable storage medium, and the readable storage medium includes flash memory, mobile hard disks, multimedia cards, card-type memories (such as SD or DX memories, etc.), magnetic memories, magnetic disks, optical disks, etc. The memory 11 may be an internal storage unit of the electronic device in some embodiments, such as the mobile hard disk of the electronic device. The memory 11 may also be an external storage device of the electronic device in other embodiments, such as a plug-in mobile hard disk, a smart media card (SMC), a secure digital (SD) card, a flash card, etc. equipped on the electronic device. Further, the memory 11 may include both an internal storage unit and an external storage device of the electronic device. The memory 11 can be used not only to store application software installed on the electronic device and various types of data, such as the code of a one-card intelligent management method program, etc., but also to temporarily store data that has been output or will be output.

[0144] The communication bus 12 can be a Peripheral Component Interconnect (PCI) bus, an Extended Industry Standard Architecture (EISA) bus, or the like. This bus can be divided into an address bus, a data bus, a control bus, etc. The bus is configured to enable connection communication between the memory 11 and at least one processor 10, etc.

[0145] The communication interface 13 is used for communication between the above-mentioned electronic device 1 and other devices, including a network interface and a user interface. Optionally, the network interface can include a wired interface and / or a wireless interface (such as a WI-FI interface, a Bluetooth interface, etc.), which is generally used to establish a communication connection between this electronic device and other electronic devices. The user interface can be a display, an input unit (such as a keyboard), and optionally, the user interface can also be a standard wired interface or a wireless interface. Optionally, in some embodiments, the display can be an LED display, a liquid crystal display, a touch liquid crystal display, and an OLED (Organic Light-Emitting Diode) toucher, etc. Among them, the display can also be appropriately referred to as a display screen or a display unit, which is used to display the information processed in the electronic device and to display a visual user interface.

[0146] Figure 3 Only the electronic device with components is shown. Those skilled in the art can understand that Figure 3 the shown structure does not constitute a limitation on the electronic device 1, and it can include fewer or more components than shown, or combine certain components, or have a different component layout.

[0147] For example, although not shown, the electronic device 1 can also include a power source (such as a battery) for supplying power to each component. Preferably, the power source can be logically connected to the at least one processor 10 through a power management system, so as to implement functions such as charge management, discharge management, and power consumption management through the power management system. The power source can also include any components such as one or more DC or AC power sources, a recharge system, a power failure detection circuit, a power converter or an inverter, and a power status indicator. The electronic device 1 can also include various sensors, a Bluetooth module, a Wi-Fi module, etc., which will not be elaborated here.

[0148] It should be understood that the above embodiments are only for illustration purposes and are not limited by this structure in the scope of the patent application.

[0149] The one-card intelligent management method program stored in the memory 11 of the electronic device 1 is a combination of multiple instructions. When running in the processor 10, it can achieve the following:

[0150] Obtain the system data of the one-card system, perform data cleaning on the system data to obtain cleaned data, identify the data attributes of the cleaned data, analyze the system function characteristics of the one-card system according to the data attributes, and divide the one-card system into an attendance subsystem, a financial subsystem, and a borrowing subsystem according to the system function characteristics;

[0151] Extract the attendance data of the card-holding users in the attendance subsystem according to the cleaned data, construct the attendance visual curve of the card-holding users according to the attendance data, mark the attendance active interval, the attendance normal interval, and the attendance negative interval in the attendance visual curve, and calculate the attendance status value of the card-holding users according to the attendance active interval, the attendance normal interval, the attendance negative interval, and the attendance visual curve;

[0152] Extract the financial data of the card-holding users in the financial subsystem according to the cleaned data, identify the consumption actions of the card-holding users according to the financial data, and calculate the consumption loss value of the card-holding users according to the consumption actions;

[0153] Extract the borrowing data of the card-holding users in the borrowing subsystem according to the cleaned data, identify the borrowing scenarios of the card-holding users according to the borrowing data, and calculate the self-iteration value of the card-holding users according to the borrowing scenarios;

[0154] Calculate the happiness index of the card-holding users according to the attendance status value, the consumption loss value, and the self-iteration value, generate the management optimization strategy of the one-card system according to the happiness index, and perform intelligent management on the one-card system according to the management optimization strategy.

[0155] Specifically, the specific implementation method of the processor 10 for the above instructions can refer to the description of the relevant steps in the corresponding embodiments of the attached drawings, which will not be elaborated here.

[0156] Further, if the modules / units integrated in the electronic device 1 are implemented in the form of software function units and sold or used as independent products, they can be stored in a computer-readable storage medium. The computer-readable storage medium can be volatile or non-volatile. For example, the computer-readable medium can include: any entity or system, recording medium, USB flash drive, mobile hard disk, magnetic disk, optical disc, computer memory, read-only memory (ROM, Read-Only Memory) that can carry the computer program code.

[0157] The present invention also provides a computer-readable storage medium storing a computer program, which when executed by a processor of an electronic device, can implement:

[0158] Obtain the system data of the one-card system, perform data cleaning on the system data to obtain cleaned data, identify the data attributes of the cleaned data, analyze the system function characteristics of the one-card system according to the data attributes, and divide the one-card system into an attendance subsystem, a financial subsystem, and a borrowing subsystem according to the system function characteristics;

[0159] Extract the attendance data of the cardholders in the attendance subsystem according to the cleaned data, construct the attendance visual curve of the cardholders according to the attendance data, mark the attendance active interval, the attendance normal interval, and the attendance negative interval in the attendance visual curve, and calculate the attendance status value of the cardholders according to the attendance active interval, the attendance normal interval, the attendance negative interval, and the attendance visual curve;

[0160] Extract the financial data of the cardholders in the financial subsystem according to the cleaned data, identify the consumption actions of the cardholders according to the financial data, and calculate the consumption loss value of the cardholders according to the consumption actions;

[0161] Extract the borrowing data of the cardholders in the borrowing subsystem according to the cleaned data, identify the borrowing scenarios of the cardholders according to the borrowing data, and calculate the self-iteration value of the cardholders according to the borrowing scenarios;

[0162] Calculate the happiness index of the cardholders according to the attendance status value, the consumption loss value, and the self-iteration value, generate a management optimization strategy for the one-card system according to the happiness index, and perform intelligent management on the one-card system according to the management optimization strategy.

[0163] In several embodiments provided by the present invention, it should be understood that the disclosed devices, systems, and methods can be implemented in other ways. For example, the system embodiments described above are merely illustrative. For example, the division of the modules is only a logical function division, and there may be other division methods in actual implementation.

[0164] The modules described as separate components may or may not be physically separated, and the components shown as modules may or may not be physical units, that is, they may be located in one place, or may be distributed to multiple network units. Some or all of the modules can be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0165] In addition, in each embodiment of the present invention, each functional module may be integrated into a processing unit, or each unit may exist physically alone, or two or more units may be integrated into one unit. The above integrated unit may be implemented in the form of hardware, or in the form of a combination of hardware and software functional modules.

[0166] For those skilled in the art, it is obvious that the present invention is not limited to the details of the above exemplary embodiments, and without departing from the spirit or basic characteristics of the present invention, the present invention can be implemented in other specific forms.

[0167] Therefore, from any point of view, the embodiments should be regarded as exemplary and non-restrictive. The scope of the present invention is defined by the appended claims rather than the above description. Therefore, all changes falling within the meaning and scope of the equivalent elements of the claims are intended to be embraced within the present invention. Any reference signs in the claims should not be construed as limiting the claims involved.

[0168] The embodiments of the present application may acquire and process relevant data based on artificial intelligence technology. Among them, artificial intelligence (AI) is a theory, method, technology, and application system that uses digital computers or machines controlled by digital computers to simulate, extend, and expand human intelligence, perceive the environment, acquire knowledge, and use knowledge to obtain the best results.

[0169] In addition, obviously, the word "including" does not exclude other units or steps, and the singular does not exclude the plural. The multiple units or systems stated in the system claims may also be implemented by one unit or system through software or hardware. The terms such as "first" and "second" are used to indicate names and do not indicate any specific order.

[0170] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present invention and not to limit them. Although the present invention has been described in detail with reference to the preferred embodiments, those of ordinary skill in the art should understand that the technical solutions of the present invention can be modified or equivalently replaced without departing from the spirit and scope of the technical solutions of the present invention.

Claims

1. A one-card intelligent management method, characterized in that, The method includes: Obtaining the system data of the one-card system, cleaning the system data to obtain cleaned data, identifying the data attributes of the cleaned data, analyzing the system function characteristics of the one-card system according to the data attributes, and dividing the one-card system into an attendance subsystem, a financial subsystem, and a borrowing subsystem according to the system function characteristics; Extracting the attendance data of the card-holding users in the attendance subsystem according to the cleaned data, constructing an attendance visual curve of the card-holding users according to the attendance data, marking the attendance active interval, the attendance normal interval, and the attendance negative interval in the attendance visual curve, and calculating the attendance status value of the card-holding users according to the attendance active interval, the attendance normal interval, the attendance negative interval, and the attendance visual curve; Extracting the financial data of the card-holding users in the financial subsystem according to the cleaned data, identifying the consumption actions of the card-holding users according to the financial data, and calculating the consumption loss value of the card-holding users according to the consumption actions; Extracting the borrowing data of the card-holding users in the borrowing subsystem according to the cleaned data, identifying the borrowing scenarios of the card-holding users according to the borrowing data, and calculating the self-iteration value of the card-holding users according to the borrowing scenarios; Calculating the happiness index of the card-holding users according to the attendance status value, the consumption loss value, and the self-iteration value, generating a management optimization strategy for the one-card system according to the happiness index, and performing intelligent management on the one-card system according to the management optimization strategy.

2. The one-card intelligent management method according to claim 1, wherein The cleaning the system data to obtain cleaned data includes: Identifying the abnormal data in the system data; Constructing a data cleaning rule according to the abnormal data; Cleaning the abnormal data according to the data cleaning rule to obtain initial cleaned data; Normalizing the format of the initial cleaned data to obtain standardized cleaned data; Verifying the logical consistency of the standardized cleaned data; When the logical consistency verification is successful, integrating the standardized cleaned data to obtain the cleaned data.

3. A one-card intelligent management method according to claim 1, characterized in that Dividing the one-card system into an attendance subsystem, a financial subsystem, and a borrowing subsystem includes: Constructing a function feature matrix of the system function characteristics; Analyzing the function feature relationships between the system function characteristics according to the function feature matrix; Sorting out the function hierarchy of the one-card system according to the function feature relationships; Dividing the one-card system into the attendance subsystem, the financial subsystem, and the borrowing subsystem according to the function hierarchy.

4. The one-card intelligent management method according to claim 3, wherein, The analyzing the function feature relationships between the system function characteristics according to the function feature matrix includes: Calculating the function correlation value of the system function characteristics according to the function feature matrix by using the following formula: where E represents a function-related value, G represents a function threshold of system function characteristics, and F e represents the e-th system function characteristic, represents the n-th function characteristic value corresponding to the e-th system function characteristic, and F f represents the f-th system function characteristic, represents the m-th function characteristic value corresponding to the f-th system function characteristic, and ρ represents a characteristic matrix; Evaluating the function feature relationships between the system function characteristics according to the function correlation value.

5. A one-card intelligent management method according to claim 1, characterized in that, The calculating the attendance status value of the card-holding users according to the attendance active interval, the attendance normal interval, the attendance negative interval, and the attendance visual curve includes: Assign the attendance positive weight, attendance normal weight, and attendance negative weight to the attendance positive interval, the attendance normal interval, and the attendance negative interval, respectively; According to the attendance visual curve, mark the attendance positive times, attendance normal times, and attendance negative times of the cardholder in the attendance positive interval, the attendance normal interval, and the attendance negative interval, respectively; Calculate the attendance status value of the cardholder according to the attendance positive weight, the attendance normal weight, the attendance negative weight, the attendance positive times, the attendance normal times, and the attendance negative times.

6. The one-card intelligent management method according to claim 5, characterized in that, The calculating the attendance status value of the cardholder according to the attendance positive weight, the attendance normal weight, the attendance negative weight, the attendance positive times, the attendance normal times, and the attendance negative times includes: Calculate the attendance status value of the cardholder according to the attendance positive weight, the attendance normal weight, the attendance negative weight, the attendance positive times, the attendance normal times, and the attendance negative times by using the following formula: Among them, A tz represents the attendance status value, B represents the total number of card swipes by the cardholder, C1 represents the positive attendance weight, D1 represents the number of positive attendance times, C2 represents the normal attendance weight, D2 represents the number of normal attendance times, C3 represents the negative attendance weight, and D3 represents the number of negative attendance times.

7. A one-card intelligent management method as described in claim 1, characterized in that The calculating the consumption loss value of the cardholder according to the consumption action includes: Identify the consumption amount in the consumption action; Calculate the consumption loss value of the cardholder according to the consumption amount and the consumption action by using the following formula: Among them, K mn represents the consumption loss value, θ L represents the L-th consumption action, θ M represents the number of consumption times in the L-th consumption action, θ N represents the consumption scenario in the L-th consumption action, P L,N represents the consumption amount corresponding to the consumption scenario of the L-th consumption action, Y(P L ) represents the willingness to consume in the consumption scenario of the L-th consumption action of the cardholder.

8. A one-card intelligent management method according to claim 1, characterized in that, The calculating the self-iteration value of the cardholder according to the borrowing scenario includes: Identify the borrowing type of the cardholder in the borrowing scenario; Analyze the self-iteration items of the cardholder according to the borrowing type; Mark the borrowing frequency of the borrowing type according to the borrowing scenario; Calculate the self-iteration value of the cardholder according to the borrowing frequency and the self-iteration items by using the following formula: ρ(S) = ∑ t=1 T(U t V t ) i ; Among them, ρ(S) represents the self-iteration value, t represents the number of self-iteration terms, U t represents the t-th self-iteration term, V t represents the borrowing frequency of the t-th self-iteration term, T represents the expected value function, and i represents the imaginary unit.

9. The one-card intelligent management method according to claim 1, characterized in that, The calculating the happiness index of the cardholder according to the attendance status value, the consumption loss value, and the self-iteration value includes: Identify the commuting time of the cardholder according to the attendance status value; Calculate the commuting cost of the cardholder according to the consumption loss value; Analyze the life richness of the cardholder according to the self-iteration value; Calculate the happiness index of the cardholder according to the commuting time, the commuting cost, and the life richness, including: According to the preset weight rule, assign weight coefficients to the commuting time, the commuting cost, and the life richness to obtain a commuting time weight coefficient, a commuting cost weight coefficient, and a life richness weight coefficient; Calculate the happiness index of the cardholder according to the commuting time weight coefficient, the commuting cost weight coefficient, and the life richness weight coefficient by using the following formula: Y = {W + X + Z}; Wherein, Y represents the happiness index, W represents the commuting time weight coefficient, X represents the commuting cost weight coefficient, and Z represents the life richness weight coefficient.

10. A one-card intelligent management system, characterized in that, It is used to execute the one-card smart management method described in any one of claims 1-9. The system includes: The system division module is used to obtain the system data of the one-card pass system, clean the system data to obtain the cleaned data, identify the data attributes of the cleaned data, analyze the system function characteristics of the one-card pass system according to the data attributes, and divide the one-card pass system into an attendance subsystem, a financial subsystem, and a borrowing subsystem according to the system function characteristics; The attendance status value calculation module is used to extract the attendance data of the cardholders in the attendance subsystem according to the cleaned data, construct the attendance visual curve of the cardholders according to the attendance data, mark the attendance active interval, the attendance normal interval, and the attendance negative interval in the attendance visual curve, and calculate the attendance status value of the cardholders according to the attendance active interval, the attendance normal interval, the attendance negative interval, and the attendance visual curve; The consumption loss value calculation module is used to extract the financial data of the cardholders in the financial subsystem according to the cleaned data, identify the consumption actions of the cardholders according to the financial data, and calculate the consumption loss value of the cardholders according to the consumption actions; The self-iteration value calculation module is used to extract the borrowing data of the cardholders in the borrowing subsystem according to the cleaned data, identify the borrowing scenarios of the cardholders according to the borrowing data, and calculate the self-iteration value of the cardholders according to the borrowing scenarios; The system management optimization module is used to calculate the happiness index of the cardholders according to the attendance status value, the consumption loss value, and the self-iteration value, generate the management optimization strategy of the one-card pass system according to the happiness index, and execute the intelligent management of the one-card pass system according to the management optimization strategy.