Determination method and apparatus for carbon emission reduction amount, and device and storage medium

Abstract

Disclosed in the present application are a determination method and apparatus for a carbon emission reduction amount, and a device and a storage medium. The determination method for a carbon emission reduction amount comprises: acquiring target transaction data of a target payment account, wherein the target transaction data comprises target merchant identifier information and a target transaction amount; on the basis of the target merchant identifier information, determining a consumption scenario to which the target transaction data belongs; and when the consumption scenario is a target green consumption scenario among a plurality of preset green consumption scenarios, on the basis of a carbon emission reduction calculation model corresponding to the target green consumption scenario and on the basis of the target transaction amount, determining a carbon emission reduction amount corresponding to the target transaction data, wherein the target green consumption scenario comprises any one green consumption scenario among the plurality of green consumption scenarios.

Description

Method, device, equipment and storage medium for determining carbon emission reduction

[0001] CROSS-REFERENCE TO RELATED APPLICATIONS

[0002] This application claims priority to Chinese patent application 202410109890.3, filed on January 25, 2024, entitled “Method, device, equipment and storage medium for determining carbon emission reductions,” the entire contents of which are incorporated herein by reference. Technical Field

[0003] The present application belongs to the field of information processing technology, and in particular relates to a method, device, equipment and storage medium for determining carbon emission reduction. Background Art

[0004] With the deployment and implementation of major strategic goals such as "carbon peak and carbon neutrality", in the context of the comprehensive green transformation of economic and social development, how to combine carbon emission reduction with users' daily lives and promote personal users to pay attention to energy conservation and emission reduction has become one of the keys to whether economic and social development can achieve a comprehensive green transformation.

[0005] At present, there is no scientific and reasonable method to calculate carbon emission reductions to measure the low-carbon and carbon reduction results generated by users in their daily consumption, and thus it is impossible to achieve the goal of truly promoting users' personal carbon emission reductions. Summary of the Invention

[0006] The embodiments of the present application provide a method, apparatus, device, and storage medium for determining carbon emission reduction, which can truly achieve the purpose of promoting personal carbon emission reduction for users.

[0007] In a first aspect, an embodiment of the present application provides a method for determining carbon emission reduction, the method comprising:

[0008] Obtain target transaction data of a target payment account, wherein the target transaction data includes target merchant identification information and target transaction amount;

[0009] Determining the consumption scenario to which the target transaction data belongs according to the target merchant identification information;

[0010] In the case that the consumption scenario is a target green consumption scenario among a plurality of preset green consumption scenarios, based on the carbon emission reduction calculation model corresponding to the target green consumption scenario, the carbon emission reduction amount corresponding to the target transaction data is determined according to the target transaction amount, and the target green consumption scenario includes any one green consumption scenario among the plurality of green consumption scenarios.

[0011] In a second aspect, an embodiment of the present application provides a device for determining carbon emission reduction, the device comprising:

[0012] A data acquisition module is used to acquire target transaction data of a target payment account, wherein the target transaction data includes target merchant identification information and target transaction amount;

[0013] A scenario determination module, configured to determine the consumption scenario to which the target transaction data belongs based on the target merchant identification information;

[0014] An emission reduction determination module is used to determine the carbon emission reduction amount corresponding to the target transaction data based on the target transaction amount, when the consumption scenario is a target green consumption scenario among a plurality of preset green consumption scenarios, based on a carbon emission reduction calculation model corresponding to the target green consumption scenario, and the target green consumption scenario includes any one of the plurality of green consumption scenarios.

[0015] In a third aspect, an embodiment of the present application provides an electronic device, the electronic device comprising: a processor and a memory storing computer program instructions;

[0016] When the processor executes the computer program instructions, the steps of the method for determining the carbon emission reduction amount as described in any one of the embodiments of the first aspect are implemented.

[0017] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium having computer program instructions stored thereon. When the computer program instructions are executed by a processor, the steps of the method for determining the carbon emission reduction as described in any one of the embodiments of the first aspect are implemented.

[0018] In a fifth aspect, an embodiment of the present application provides a computer program product. When the instructions in the computer program product are executed by a processor of an electronic device, the electronic device performs the steps of the method for determining carbon emission reduction as described in any embodiment of the first aspect.

[0019] The method, device, equipment and storage medium for determining carbon emission reduction in the embodiments of the present application use the target merchant identification information contained in the target transaction data to identify the consumption scenario to which the transaction belongs, and when it is identified that the target transaction data is data generated by the user conducting a transaction under the target green consumption scenario, the target transaction amount is quantified into the corresponding carbon emission reduction using the carbon emission reduction calculation model corresponding to the target green consumption scenario for the target transaction data generated when the user consumes under the target green consumption scenario. In this way, by widely covering multiple green consumption scenarios, different carbon emission reduction calculation models are used to calculate carbon emission reduction for different green consumption scenarios to which different transaction data belong, so that the low-carbon and carbon reduction results generated by users in their daily consumption can be scientifically and accurately measured, thereby achieving the purpose of truly promoting personal carbon emission reduction for users. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the following is a brief introduction to the drawings required for use in the embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0021] FIG1 is a flow chart of a method for determining carbon emission reductions provided by one embodiment of the present application;

[0022] FIG2 is a diagram of a framework structure applicable to the method for determining carbon emission reduction provided in this application;

[0023] FIG3 is a schematic diagram of the structure of a device for determining carbon emission reduction provided by one embodiment of the present application;

[0024] FIG4 is a schematic structural diagram of an electronic device provided by an embodiment of the present application. DETAILED DESCRIPTION

[0025] The features and exemplary embodiments of various aspects of the present application will be described in detail below. In order to make the purpose, technical solutions and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain the present application, rather than to limit the present application. For those skilled in the art, the present application can be implemented without the need for some of these specific details. The following description of the embodiments is merely to provide a better understanding of the present application by illustrating the examples of the present application.

[0026] It should be noted that, in this document, relational terms such as first and second, etc., are used only to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any actual relationship or order between these entities or operations. Moreover, the terms "comprises," "comprising," or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article, or device comprising a series of elements includes not only those elements, but also other elements not explicitly listed, or elements inherent to such process, method, article, or device. In the absence of further limitations, the elements defined by the phrase "comprising..." do not exclude the presence of other identical elements in the process, method, article, or device comprising the elements.

[0027] The acquisition, storage, use, and processing of data (including but not limited to the features and information herein) in the technical solution of this application comply with the relevant provisions of national laws and regulations.

[0028] At present, in the context of the comprehensive green transformation of economic and social development, it is necessary to improve the integration of personal users with environmental protection, low-carbon and other scenarios to meet users' multi-level and diversified green financial needs.

[0029] Based on this, in order to encourage individual users to practice more carbon emission reduction actions, it is necessary to scientifically and accurately calculate the carbon emission reduction generated by individual users in their daily consumption. Only in this way can we give corresponding rewards to users' green and low-carbon consumption behaviors in a timely manner, improve the degree of integration of individual users with environmental protection, low-carbon and other scenarios, and drive users' attention and actions on green and low-carbon life, thereby attracting more users to join the national low-carbon green action.

[0030] To address the existing technical issues, the present invention provides a method, device, equipment, and storage medium for determining carbon emission reductions. This method can be applied to scenarios where the carbon emission reductions generated by a user's daily consumption are calculated. The following first introduces the method provided in the present invention.

[0031] Figure 1 is a flow chart of a method for determining carbon emission reductions according to an embodiment of the present application. The method for determining carbon emission reductions may be executed by a server for payment management, such as a target payment platform.

[0032] As shown in FIG1 , the method for determining the carbon emission reduction may specifically include the following steps:

[0033] S110: Obtain target transaction data of a target payment account, where the target transaction data includes target merchant identification information and target transaction amount;

[0034] S120: Determine the consumption scenario to which the target transaction data belongs based on the target merchant identification information;

[0035] S130. When the consumption scenario is a target green consumption scenario among a plurality of preset green consumption scenarios, the carbon emission reduction amount corresponding to the target transaction data is determined according to the target transaction amount based on the carbon emission reduction calculation model corresponding to the target green consumption scenario. The target green consumption scenario includes any one of the plurality of green consumption scenarios.

[0036] Therefore, by using the target merchant identification information contained in the target transaction data to identify the consumption scenario to which the transaction belongs, and when it is identified that the target transaction data is data generated by the user's transaction under the target green consumption scenario, the target transaction amount is quantified into the corresponding carbon emission reduction amount using the carbon emission reduction calculation model corresponding to the target green consumption scenario for the target transaction data generated when the user consumes under the target green consumption scenario. In this way, by widely covering multiple green consumption scenarios and using different carbon emission reduction calculation models to calculate carbon emission reduction amounts for different green consumption scenarios to which different transaction data belongs, it is possible to scientifically and accurately measure the low-carbon and carbon reduction achievements generated by users in their daily consumption, thereby achieving the goal of truly promoting personal carbon emission reduction for users.

[0037] The specific implementation methods of the above steps are introduced below.

[0038] In some embodiments, in S110, the target payment account may be an account established by the user on the target payment platform that can be used for consumer payments. The user can bind the target payment account to the payment cards of other financial institutions by binding the payment cards applied for by the user at other financial institutions on the target payment platform. The target transaction data may be the transaction data generated when the user to whom the target payment account belongs uses the target payment account in the target payment platform or the payment card bound to it to make any consumer payment. The target transaction data may include target merchant identification information and target transaction amount. Among them, the target merchant identification information may be the identification information of the merchant when conducting the transaction, such as the merchant code, etc., and the target transaction amount may be the amount paid by the user at the time of the transaction. In addition, the target transaction data may also include transaction time, number of transactions, etc., which are not limited here.

[0039] For example, each time a user uses a target payment account in a target payment platform or a payment card bound to it to make a payment transaction and the consumption is successful, the transaction data corresponding to the transaction can be obtained from the transaction data recorded by the target payment platform server as the target transaction data.

[0040] In some embodiments, in S120, the consumption scenario in which the user transacted with the merchant can be determined based on the merchant's carbon emission reduction performance. Thus, when identifying the consumption scenario to which the target transaction data belongs, the consumption scenario to which the target transaction data belongs can be determined based on the target merchant identification information in the target transaction data, based on a pre-defined correspondence between merchants and consumption scenarios.

[0041] For example, the correspondence between the merchant code and the consumption scenario can be determined in advance based on the merchant's carbon emission reduction situation, and then the consumption scenario corresponding to the merchant code contained in the target transaction data can be found, that is, the consumption scenario to which the target transaction data belongs.

[0042] In some embodiments, in S130, the green consumption scenario can be a scenario that can achieve low-carbon emission reduction and actually generate carbon emission reduction, such as green travel, online payment, etc. In the embodiment of the present application, multiple green consumption scenarios can be pre-set to match the consumption scenario to which the acquired target transaction data belongs, to determine whether it belongs to a green consumption scenario and which green consumption scenario it belongs to.

[0043] For example, a green consumption scenario identification mechanism can be established based on the transaction characteristics of the payment account. Specifically, green consumption scenarios are determined based on three evaluation dimensions: the amount of carbon emissions reduction that can be generated, the identifiable scenario, and the wide coverage and stable acceptance. For example, the first is that the scenario can generate carbon emissions reduction, and the evaluation is based on the carbon emission reduction scenarios recognized by the market or in conjunction with authoritative institutions; the second is that the scenario is identifiable, and the merchant code can be used to simultaneously identify and extract the payment account transaction data under the scenario on the target payment platform and the various payment channels corresponding to the target payment platform, and it is unique and exclusive. The third is that the scenario coverage is wide and the payment acceptance environment is stable.

[0044] If the consumption scenario to which the target transaction data belongs is determined to be a target green consumption scenario, the carbon emission reduction calculation model corresponding to the target green consumption scenario can be obtained and used to calculate the corresponding carbon emission reduction amount with reference to the target transaction amount included in the target transaction data. Different green consumption scenarios may correspond to different carbon emission reduction calculation models.

[0045] Based on this, in some embodiments, the target transaction data may further include a target transaction time. Before S130, the method for determining the carbon emission reduction amount provided in the embodiment of the present application may further include:

[0046] Obtain the number of transactions corresponding to the target green consumption scenario of the target payment account before the target transaction time within the first preset period.

[0047] Based on this, the above S130 may specifically include:

[0048] When the number of transactions completed is less than the preset number, the carbon emission reduction calculation model corresponding to the target green consumption scenario is used to determine the carbon emission reduction amount corresponding to the target transaction data according to the target transaction amount.

[0049] Here, the first preset period may be a preset carbon emission reduction data statistical period, such as one day.

[0050] For example, assuming that the upper limit for obtaining carbon emission reductions for a single user is set at three times per day, as long as the target transaction data is the transaction data generated by the target payment account in the target green consumption scenario on that day, the target transaction data can be converted into the corresponding carbon emission reductions to calculate the carbon emission reductions of the target payment account. If the target transaction data is the transaction data generated by the target payment account in the target green consumption scenario for the fourth or subsequent transactions on that day, the carbon emission reductions corresponding to the target transaction data are no longer calculated.

[0051] In addition, in order to construct a carbon emission reduction calculation model, in some embodiments, before the above S130, the method for determining the carbon emission reduction amount provided in the embodiment of the present application may further include:

[0052] Determine a target carbon emission reduction algorithm that is compatible with the target green consumption scenario, where the target carbon emission reduction algorithm is related to the user's target carbon emission reduction behavior parameters;

[0053] Obtaining carbon emission reduction behavior parameters and consumption behavior parameters of multiple users under a target green consumption scenario, where the carbon emission reduction behavior parameters include target carbon emission reduction behavior parameters;

[0054] According to the carbon emission reduction behavior parameters and consumption behavior parameters of multiple users, the target carbon emission reduction algorithm is converted into a calculation model related to the transaction data, and a carbon emission reduction calculation model corresponding to the target green consumption scenario is obtained.

[0055] Here, different carbon reduction algorithms can be used for different green consumption scenarios. The carbon reduction algorithm can be related to the user's carbon reduction behavior parameters, which can be parameters related to the user's carbon reduction behavior, such as time, distance, number of times, behavior mode, etc.

[0056] In addition, the consumption behavior parameter may be a parameter related to the user's consumption behavior, such as transaction amount, number of transactions, etc.

[0057] For example, for the cycling consumption scenario, the carbon emission reduction algorithm shown in the following formula (1) can be determined:

[0058] E R =D R ×EF R (1)

[0059] Among them, E R represents carbon emission reduction, D R Indicates riding distance, EF R Is the emission reduction factor. The emission reduction factor EF R It can be determined specifically according to the following formula (2).

[0060] From the above formula, it can be seen that when the target green consumption scenario is a cycling consumption scenario, the target carbon emission reduction behavior parameter can be, for example, the cycling distance D R .

[0061] After determining the target carbon emission reduction algorithm that is compatible with the target green consumption scenario, we can refer to the carbon emission reduction behavior parameters and consumption behavior parameters of the user group under the target green consumption scenario, and convert the target carbon emission reduction algorithm related to the user's target carbon emission reduction behavior parameters into a calculation model related to transaction data such as transaction time, number of transactions, and transaction amount, and use this calculation model as the carbon emission reduction calculation model corresponding to the target green consumption scenario.

[0062] Based on this, in some embodiments, the target carbon emission reduction algorithm is converted into a calculation model related to transaction data based on the carbon emission reduction behavior parameters and consumption behavior parameters of multiple users to obtain a carbon emission reduction calculation model corresponding to the target green consumption scenario, which may specifically include:

[0063] Determining first average value information corresponding to carbon emission reduction behavior parameters of multiple users, and second average value information corresponding to consumption behavior parameters;

[0064] According to the first average value information and the second average value information, the target carbon emission reduction algorithm is converted into a calculation model related to the transaction data to obtain a carbon emission reduction calculation model corresponding to the target green consumption scenario.

[0065] Here, in order to realize the calculation of carbon emission reduction based on transaction data dimension, we can first identify the behavior mode with the highest user concentration in the target green consumption scenario through data research, the carbon emission reduction behavior parameters such as time, distance, number of times at the average level, that is, the first average value information, and the consumption behavior parameters such as the number of transactions and transaction amount at the average level, that is, the second average value information, and convert the complex carbon emission reduction algorithm into a carbon emission reduction calculation model based on transaction data dimensions such as the number of transactions and transaction amount.

[0066] Taking the target green consumption scenario as an example, based on data research, it is known that more than 90% of users ride a distance of 2.53 km per one-way trip, and the actual payment amount is greater than or equal to 1.5 yuan. The average user rides a maximum of 3 times a day and consumes 3 transactions. Therefore, according to the above formulas (1) and (2), the carbon emission reduction amount can be obtained as 83.36g / transaction. In this way, the following carbon emission reduction calculation model can be obtained: in the cycling scenario, the carbon emission reduction amount corresponding to each transaction data is calculated according to the method of 83.36g / transaction, provided that the transaction amount of the transaction data exceeds 1.5 yuan, and the upper limit of the number of times a single user can obtain carbon emission reduction amount per day is 3 times, that is, starting from the fourth ride of the day, no carbon emission reduction amount will be obtained.

[0067] In addition, in some embodiments, after the above S130, the method for determining the carbon emission reduction provided in the embodiment of the present application may further include:

[0068] Determine the amount of carbon asset resources generated by the target transaction data based on the amount of carbon emission reduction;

[0069] Allocate carbon asset resources to target payment accounts according to the amount of carbon asset resources.

[0070] Here, the carbon asset resources may be resources that can be exchanged for actual consumption resources, such as carbon credits.

[0071] For example, in order to further encourage users to participate in carbon emission reduction actions, carbon points that can be exchanged for actual rights and interests can be set, and then the carbon emission reduction amount calculated using each transaction data can be further calculated to further calculate the corresponding number of carbon points generated, and carbon points can be allocated to the target payment account according to the number of carbon points, and the carbon points obtained by the target payment account can be accumulated.

[0072] Based on this, in some embodiments, determining the amount of carbon asset resources generated by the target transaction data based on the carbon emission reduction amount may specifically include:

[0073] Obtain the revenue contribution of the target green consumption scenario to the target payment platform, the acceptance coverage of the target payment platform for the target green consumption scenario, and the carbon emission reduction corresponding to the target transaction data;

[0074] Based on the revenue contribution, acceptance coverage and carbon emission reduction, the amount of carbon asset resources generated by the target transaction data is determined.

[0075] Here, a transaction-based carbon asset resource calculation model can be constructed based on three dimensions: the contribution of green consumption scenarios to the target payment platform's revenue, the target payment platform's acceptance coverage of green consumption scenarios, and the carbon emission reductions generated by transaction data, combining business needs and social value. Revenue contribution can be the revenue generated by green consumption scenarios for the target payment platform, or the importance of green consumption scenarios to the target payment platform; acceptance coverage can be the percentage of merchants within the green consumption scenario that are accepted by the target payment platform.

[0076] In some embodiments, determining the amount of carbon asset resources generated by the target transaction data based on the revenue contribution, acceptance coverage, and carbon emission reduction may specifically include:

[0077] Determine the contribution score based on revenue contribution, the coverage score based on acceptance coverage, and the carbon emission reduction score based on carbon emission reduction;

[0078] Based on the first weight corresponding to the revenue contribution, the second weight corresponding to the acceptance coverage, and the third weight corresponding to the carbon emission reduction, the contribution score, coverage score, and carbon emission reduction score are weighted and summed to obtain the carbon asset resource amount generated by the target transaction data.

[0079] Here, for the three dimensions of revenue contribution, acceptance coverage, and carbon emission reduction, corresponding scoring ranges can be set respectively, for example, each set to 1 to 3 points. In addition, corresponding weights can be set for each dimension, for example, the first weight corresponding to revenue contribution can be set to 0.4, the second weight corresponding to acceptance coverage can be set to 0.3, and the third weight corresponding to carbon emission reduction can be set to 0.3. Of course, other weight values ​​can also be set according to the actual needs of the payment platform.

[0080] For example, taking carbon asset resources as carbon credits as an example, the carbon credits can be calculated according to the following formula (3):

[0081] K=k1*w1+k2*w2+k3*w3 (3)

[0082] Among them, K represents carbon points, k1 represents the contribution score, k2 represents the coverage score, k3 represents the carbon emission reduction score, w1 represents the first weight corresponding to the income contribution, w2 represents the second weight corresponding to the acceptance coverage, and w3 represents the third weight corresponding to the carbon emission reduction.

[0083] Taking the target green consumption scenario as a cycling scenario, for example, if the cycling scenario contributes a high degree of revenue to the target payment platform, then the contribution score k1 = 3 can be determined. If the target payment platform's acceptance coverage of the cycling scenario is average, then the coverage score k2 = 2 can be determined. If the carbon emission reduction generated by the target transaction data in the cycling scenario is high, then the carbon emission reduction score k3 = 3 can be determined. Assuming that the first weight is set to 0.4, and the second and third weights are set to 0.3, then according to the above formula (3), the carbon credit K = 2.7 can be calculated. That is, each transaction of 1.5 yuan or more in this cycling scenario can obtain 2.7 carbon credits. In addition, an upper limit can be set for the acquisition of carbon credits. For example, in a single green consumption scenario, the upper limit of carbon credit acquisition for a single user is 3 times per day.

[0084] In addition, in some embodiments, the method for determining carbon emission reduction provided in the embodiments of the present application may further include:

[0085] Receiving an equity exchange instruction for the carbon asset resources in the target payment account;

[0086] In response to the equity exchange instruction, the carbon asset resources are exchanged for corresponding consumption resources according to the unit price information of the carbon asset resources.

[0087] Here, users can log in to the target payment platform and use the carbon asset resources in their target payment account to redeem equity. The unit price of carbon asset resources can be pre-set, such as n yuan / point for carbon credits. Additionally, consumption resources can include repayment red envelopes, consumer vouchers, discount coupons, and internet memberships.

[0088] For example, if 1 carbon credit = 0.02 yuan, when the user's target payment account accumulates 250 carbon credits, it can be exchanged for a 5 yuan repayment red envelope, and when the accumulated carbon credits reach 500 points, it can be exchanged for a 10 yuan consumption voucher.

[0089] In addition, in some embodiments, before exchanging the carbon asset resources for corresponding consumption resources according to the carbon asset resource unit price information, the method for determining the carbon emission reduction amount provided in the embodiment of the present application may further include:

[0090] Determine the total amount of carbon asset resources to be issued within the second preset period based on the number of users expected to participate in carbon emission reduction activities within the second preset period;

[0091] The unit price information of the carbon asset resources is determined based on the equity investment amount and the total amount of carbon asset resources in the second preset period.

[0092] Here, the second preset period may be a preset period for issuing carbon asset resources, and the equity investment amount may be the amount of consumption resources that the target payment platform intends to invest within the second preset period.

[0093] For example, taking carbon asset resources as carbon credits, the number of carbon credits issued in the second preset period can be estimated based on the number of users expected to participate in carbon emission reduction activities, and the value of the credits, that is, the unit price information of the carbon credits, can be calculated based on the equity investment amount in the second preset period.

[0094] In this way, by exchanging rights and interests for carbon asset resources, users can be positively encouraged to increase the frequency and amount of green consumption, and promote a better combination of users' personal consumption and carbon emission reduction actions.

[0095] In addition, in some embodiments, the method for determining carbon emission reduction provided in the embodiments of the present application may further include:

[0096] Determine the cumulative carbon emission reductions in the target payment account;

[0097] According to the cumulative carbon emission reduction, corresponding business processing is performed, and the business processing includes at least one of public welfare donation processing and honorary logo issuance processing.

[0098] Here, the accumulated carbon emission reduction amount may be the carbon emission reduction amount accumulated in the payment account within a preset time period.

[0099] For example, in addition to exchanging rights and interests for carbon asset resources, corresponding business processing can also be performed according to the cumulative carbon emission reduction. Specifically, it can be combined with public welfare projects based on the business needs of the target payment platform itself, and public welfare donations of corresponding degrees can be processed according to the cumulative carbon emission reduction. Alternatively, based on the user's cumulative carbon emission reduction ranking, an electronic honorary certificate can be issued to the user to encourage the user's carbon emission reduction consumption behavior.

[0100] In order to better describe the entire solution, some specific examples are given based on the above embodiments.

[0101] FIG2 is a diagram of a framework structure applicable to the method for determining carbon emission reduction provided in this application.

[0102] As shown in Figure 2, after transaction data is generated based on a user's transaction behavior, the transaction data can be retrieved and the consumption scenario to which the transaction belongs can be identified based on the merchant code carried in the transaction data. If the transaction is identified as belonging to a targeted green consumption scenario, the carbon emission reduction calculation model corresponding to the targeted green consumption scenario can be used to calculate the carbon emission reduction amount, and the carbon credit calculation model can be used to calculate carbon credits. Based on the carbon emission reduction amount achieved by the user, the user can be awarded corresponding public welfare achievements, and based on the carbon credits earned, the user can be redeemed for corresponding benefits.

[0103] It should be noted that the application scenarios described in the above-mentioned embodiments of the present application are intended to more clearly illustrate the technical solutions of the embodiments of the present application, and do not constitute a limitation on the technical solutions provided by the embodiments of the present application. Ordinary technicians in this field can know that with the emergence of new application scenarios, the technical solutions provided by the embodiments of the present application are also applicable to similar technical problems.

[0104] Based on the same inventive concept, the present application also provides a device for determining carbon emission reduction, which will be described in detail with reference to FIG3 .

[0105] FIG3 is a schematic structural diagram of a device for determining carbon emission reduction provided in one embodiment of the present application.

[0106] As shown in FIG3 , the carbon emission reduction determination device 300 may include:

[0107] A data acquisition module 301 is used to acquire target transaction data of a target payment account, wherein the target transaction data includes target merchant identification information and target transaction amount;

[0108] A scenario determination module 302 is configured to determine the consumption scenario to which the target transaction data belongs based on the target merchant identification information;

[0109] The emission reduction determination module 303 is used to determine the carbon emission reduction amount corresponding to the target transaction data based on the target transaction amount, when the consumption scenario is a target green consumption scenario among a plurality of preset green consumption scenarios, based on the carbon emission reduction calculation model corresponding to the target green consumption scenario, and the target green consumption scenario includes any one of the plurality of green consumption scenarios.

[0110] The carbon emission reduction determination device 300 is described in detail below.

[0111] In some embodiments, the target transaction data also includes a target transaction time, and the carbon emission reduction determination device 300 further includes:

[0112] A first acquisition module is configured to obtain, before determining the carbon emission reduction amount corresponding to the target transaction data based on the target transaction amount based on the carbon emission reduction calculation model corresponding to the target green consumption scenario, the number of transactions corresponding to the target green consumption scenario by the target payment account within a first preset period and before the target transaction time;

[0113] The emission reduction determination module 303 is specifically configured to:

[0114] When the number of transactions completed is less than the preset number, the carbon emission reduction amount corresponding to the target transaction data is determined according to the target transaction amount based on the carbon emission reduction calculation model corresponding to the target green consumption scenario.

[0115] In some embodiments, the carbon emission reduction determination device 300 further includes:

[0116] a first determination module configured to determine a target carbon emission reduction algorithm adapted to the target green consumption scenario before determining the carbon emission reduction amount corresponding to the target transaction data according to the target transaction amount based on the carbon emission reduction calculation model corresponding to the target green consumption scenario, wherein the target carbon emission reduction algorithm is related to the user's target carbon emission reduction behavior parameters;

[0117] A second acquisition module is configured to acquire carbon emission reduction behavior parameters and consumption behavior parameters of multiple users under the target green consumption scenario, wherein the carbon emission reduction behavior parameters include the target carbon emission reduction behavior parameters;

[0118] The first conversion module is used to convert the target carbon emission reduction algorithm into a calculation model related to the transaction data based on the carbon emission reduction behavior parameters and consumption behavior parameters of the multiple users, so as to obtain a carbon emission reduction calculation model corresponding to the target green consumption scenario.

[0119] In some embodiments, the first conversion module includes:

[0120] a first determining submodule, configured to determine first average value information corresponding to the carbon emission reduction behavior parameters of the plurality of users, and second average value information corresponding to the consumption behavior parameters;

[0121] A model conversion submodule is used to convert the target carbon emission reduction algorithm into a calculation model related to transaction data based on the first average value information and the second average value information, so as to obtain a carbon emission reduction calculation model corresponding to the target green consumption scenario.

[0122] In some embodiments, the carbon emission reduction determination device 300 further includes:

[0123] a second determination module configured to determine, based on a carbon emission reduction calculation model corresponding to the target green consumption scenario and according to the target transaction amount, a carbon asset resource amount generated corresponding to the target transaction data;

[0124] A resource allocation module is used to allocate carbon asset resources to the target payment account according to the carbon asset resource quantity.

[0125] In some embodiments, the second determining module includes:

[0126] A first acquisition submodule is configured to acquire the revenue contribution of the target green consumption scenario to the target payment platform, the acceptance coverage of the target payment platform for the target green consumption scenario, and the carbon emission reduction corresponding to the target transaction data;

[0127] The second determination submodule is used to determine the amount of carbon asset resources generated by the target transaction data according to the revenue contribution, the acceptance coverage and the carbon emission reduction.

[0128] In some embodiments, the second determining submodule includes:

[0129] a score determination unit, configured to determine a contribution score value based on the revenue contribution, determine a coverage score value based on the acceptance coverage, and determine a carbon emission reduction score value based on the carbon emission reduction amount;

[0130] A weighted processing unit is used to perform weighted summation processing on the contribution score value, the coverage score value and the carbon emission reduction score value based on the first weight corresponding to the revenue contribution, the second weight corresponding to the acceptance coverage and the third weight corresponding to the carbon emission reduction, so as to obtain the carbon asset resource amount generated by the target transaction data.

[0131] In some embodiments, the carbon emission reduction determination device 300 further includes:

[0132] An instruction receiving module, configured to receive an instruction for exchanging the rights and interests of the carbon asset resources in the target payment account;

[0133] The resource exchange module is used to respond to the equity exchange instruction and exchange the carbon asset resources for corresponding consumption resources according to the carbon asset resource unit price information.

[0134] In some embodiments, the carbon emission reduction determination device 300 further includes:

[0135] A third determination module is configured to determine the total amount of carbon asset resources to be issued within the second preset period based on the number of users expected to participate in the carbon emission reduction activity within the second preset period before exchanging the carbon asset resources for corresponding consumption resources according to the carbon asset resource unit price information;

[0136] The fourth determining module is configured to determine the unit price information of the carbon asset resources according to the equity investment amount in the second preset period and the total amount of the carbon asset resources.

[0137] In some embodiments, the carbon emission reduction determination device 300 further includes:

[0138] a fifth determining module, configured to determine the accumulated carbon emission reduction in the target payment account;

[0139] The processing execution module is used to execute corresponding business processing according to the cumulative carbon emission reduction, and the business processing includes at least one of public welfare donation processing and honor mark issuance processing.

[0140] Therefore, by using the target merchant identification information contained in the target transaction data to identify the consumption scenario to which the transaction belongs, and when it is identified that the target transaction data is data generated by the user's transaction under the target green consumption scenario, the target transaction amount is quantified into the corresponding carbon emission reduction amount using the carbon emission reduction calculation model corresponding to the target green consumption scenario for the target transaction data generated when the user consumes under the target green consumption scenario. In this way, by widely covering multiple green consumption scenarios and using different carbon emission reduction calculation models to calculate carbon emission reduction amounts for different green consumption scenarios to which different transaction data belongs, it is possible to scientifically and accurately measure the low-carbon and carbon reduction achievements generated by users in their daily consumption, thereby achieving the goal of truly promoting personal carbon emission reduction for users.

[0141] FIG4 is a schematic structural diagram of an electronic device provided by an embodiment of the present application.

[0142] The electronic device 400 may include a processor 401 and a memory 402 storing computer program instructions.

[0143] Specifically, the processor 401 may include a central processing unit (CPU), or an application-specific integrated circuit (ASIC), or may be configured to implement one or more integrated circuits of the embodiments of the present application.

[0144] Memory 402 may include a large capacity memory for data or instructions. By way of example and not limitation, memory 402 may include a hard disk drive (HDD), a floppy disk drive, a flash memory, an optical disk, a magneto-optical disk, a magnetic tape, or a universal serial bus (USB) drive, or a combination of two or more of these. Where appropriate, memory 402 may include removable or non-removable (or fixed) media. Where appropriate, memory 402 may be inside or outside the integrated gateway disaster recovery device. In a specific embodiment, memory 402 is a non-volatile solid-state memory.

[0145] In certain embodiments, the memory may include read-only memory (ROM), random access memory (RAM), magnetic disk storage media devices, optical storage media devices, flash memory devices, electrical, optical, or other physical / tangible memory storage devices. Thus, generally, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it is operable to perform the operations described with reference to the method according to an aspect of the present application.

[0146] The processor 401 reads and executes computer program instructions stored in the memory 402 to implement any one of the methods for determining the carbon emission reduction in the above embodiments.

[0147] In some examples, the electronic device 400 may further include a communication interface 403 and a bus 410. As shown in FIG4, the processor 401, the memory 402, and the communication interface 403 are connected via the bus 410 and communicate with each other.

[0148] The communication interface 403 is mainly used to implement communication between various modules, devices, units and / or equipment in the embodiments of the present application.

[0149] Bus 410 includes hardware, software or both, and the components of online data flow metering equipment are coupled to each other. For example, but not limitation, bus 410 may include accelerated graphics port (AGP) or other graphics bus, enhanced industry standard architecture (EISA) bus, front side bus (FSB), hypertransport (HT) interconnection, industry standard architecture (ISA) bus, infinite bandwidth interconnection, low pin count (LPC) bus, memory bus, micro channel architecture (MCA) bus, peripheral component interconnect (PCI) bus, PCI-Express (PCI-X) bus, serial advanced technology attachment (SATA) bus, video electronics standard association local (VLB) bus or other suitable bus or two or more of these combinations. In appropriate cases, bus 410 may include one or more buses. Although the present application embodiment describes and shows a specific bus, the application considers any suitable bus or interconnection.

[0150] Exemplarily, the electronic device 400 may be a computer, a server, a virtual server, a cloud server, etc.

[0151] The electronic device 400 can execute the method for determining the carbon emission reduction amount in the embodiment of the present application, thereby realizing the method and device for determining the carbon emission reduction amount described in combination with Figures 1 and 3.

[0152] In addition, in combination with the method for determining the carbon emission reduction in the above embodiment, the embodiment of the present application may provide a computer-readable storage medium for implementation. The computer-readable storage medium stores computer program instructions; when the computer program instructions are executed by the processor, any one of the methods for determining the carbon emission reduction in the above embodiment is implemented. Examples of computer-readable storage media include non-transitory computer-readable storage media, such as portable disks, hard disks, random access memories (RAM), read-only memories (ROM), erasable programmable read-only memories (EPROM or flash memory), portable compact disk read-only memories (CD-ROMs), optical storage devices, magnetic storage devices, etc.

[0153] It should be understood that the present application is not limited to the specific configurations and processes described above and illustrated in the figures. For the sake of brevity, a detailed description of known methods is omitted here. In the above embodiments, several specific steps are described and illustrated as examples. However, the method process of the present application is not limited to the specific steps described and illustrated. Those skilled in the art can make various changes, modifications, and additions, or change the order of the steps after understanding the spirit of the present application.

[0154] The functional blocks shown in the above-described block diagram can be implemented as hardware, software, firmware or a combination thereof. When implemented in hardware, they can be, for example, electronic circuits, application specific integrated circuits (ASICs), appropriate firmware, plug-ins, function cards, etc. When implemented in software, the elements of the present application are programs or code segments that are used to perform the required tasks. The program or code segment can be stored in a machine-readable medium, or transmitted on a transmission medium or a communication link by a data signal carried in a carrier wave. "Machine-readable medium" can include any medium that can store or transmit information. Examples of machine-readable media include electronic circuits, semiconductor memory devices, ROMs, flash memories, erasable ROMs (EROMs), floppy disks, CD-ROMs, optical disks, hard disks, optical fiber media, radio frequency (RF) links, etc. The code segment can be downloaded via a computer network such as the Internet, an intranet, etc.

[0155] It should also be noted that the exemplary embodiments mentioned in this application describe some methods or systems based on a series of steps or devices. However, this application is not limited to the order of the above steps. In other words, the steps can be performed in the order mentioned in the embodiments, or in a different order, or several steps can be performed simultaneously.

[0156] Aspects of the present application have been described above with reference to the flowcharts and / or block diagrams of the methods, devices (systems) and computer program products according to the embodiments of the present application. It should be understood that each box in the flowchart and / or block diagram and the combination of each box in the flowchart and / or block diagram can be implemented by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer or other programmable data processing device to produce a machine so that these instructions executed via the processor of the computer or other programmable data processing device enable the implementation of the function / action specified in one or more boxes of the flowchart and / or block diagram. This processor can be, but is not limited to, a general-purpose processor, a special-purpose processor, a special application processor or a field programmable logic circuit. It is also understood that each box in the block diagram and / or the flowchart and the combination of the boxes in the block diagram and / or the flowchart can also be implemented by the dedicated hardware that performs the specified function or action, or can be implemented by the combination of dedicated hardware and computer instructions.

[0157] The above description is only a specific embodiment of the present application. Those skilled in the art will clearly understand that for the convenience and brevity of description, the specific working processes of the systems, modules and units described above can refer to the corresponding processes in the aforementioned method embodiments, and will not be repeated here. It should be understood that the scope of protection of the present application is not limited thereto. Any person skilled in the art can easily think of various equivalent modifications or replacements within the technical scope disclosed in the present application, and these modifications or replacements should be included in the scope of protection of the present application.

Claims

1. A method for determining carbon emission reduction amount, comprising: Obtaining target transaction data of a target payment account, where the target transaction data includes target merchant identification information and a target transaction amount; Determining a consumption scenario to which the target transaction data belongs according to the target merchant identification information; When the consumption scenario is a target green consumption scenario among a plurality of preset green consumption scenarios, based on a carbon emission reduction calculation model corresponding to the target green consumption scenario, determining a carbon emission reduction amount corresponding to the target transaction data according to the target transaction amount, where the target green consumption scenario includes any one of the plurality of green consumption scenarios.

2. The method according to claim 1, wherein The target transaction data further includes a target transaction time. Before determining a carbon emission reduction amount corresponding to the target transaction data according to the target transaction amount based on the carbon emission reduction calculation model corresponding to the target green consumption scenario, the method further includes: Obtaining the number of transaction records corresponding to the target green consumption scenario before the target transaction time within a first preset period for the target payment account; The determining a carbon emission reduction amount corresponding to the target transaction data according to the target transaction amount based on the carbon emission reduction calculation model corresponding to the target green consumption scenario includes: When the number of transaction records is less than a preset number, determining a carbon emission reduction amount corresponding to the target transaction data according to the target transaction amount based on the carbon emission reduction calculation model corresponding to the target green consumption scenario.

3. The method according to claim 1, wherein, Before determining a carbon emission reduction amount corresponding to the target transaction data according to the target transaction amount based on the carbon emission reduction calculation model corresponding to the target green consumption scenario, the method further includes: Determining a target carbon emission reduction algorithm adapted to the target green consumption scenario, where the target carbon emission reduction algorithm is related to a target carbon emission reduction behavior parameter of a user; Obtaining carbon emission reduction behavior parameters and consumption behavior parameters of multiple users in the target green consumption scenario, where the carbon emission reduction behavior parameters include the target carbon emission reduction behavior parameter; According to the carbon emission reduction behavior parameters and consumption behavior parameters of the multiple users, converting the target carbon emission reduction algorithm into a calculation model related to transaction data to obtain a carbon emission reduction calculation model corresponding to the target green consumption scenario.

4. The method according to claim 3, wherein, The converting the target carbon emission reduction algorithm into a calculation model related to transaction data according to the carbon emission reduction behavior parameters and consumption behavior parameters of the multiple users to obtain a carbon emission reduction calculation model corresponding to the target green consumption scenario includes: Determining first average value information corresponding to the carbon emission reduction behavior parameters of the multiple users and second average value information corresponding to the consumption behavior parameters; According to the first average value information and the second average value information, converting the target carbon emission reduction algorithm into a calculation model related to transaction data to obtain a carbon emission reduction calculation model corresponding to the target green consumption scenario.

5. The method according to claim 1, wherein, After determining a carbon emission reduction amount corresponding to the target transaction data according to the target transaction amount based on the carbon emission reduction calculation model corresponding to the target green consumption scenario, the method further includes: Determine the amount of carbon asset resources generated corresponding to the target transaction data according to the carbon emission reduction amount; Allocate carbon asset resources to the target payment account according to the amount of carbon asset resources.

6. The method according to claim 5, wherein The determining the amount of carbon asset resources generated corresponding to the target transaction data according to the carbon emission reduction amount includes: Obtain the revenue contribution degree of the target green consumption scenario to the target payment platform, the acceptance coverage degree of the target payment platform for the target green consumption scenario, and the carbon emission reduction amount corresponding to the target transaction data; Determine the amount of carbon asset resources generated corresponding to the target transaction data according to the revenue contribution degree, the acceptance coverage degree, and the carbon emission reduction amount.

7. The method according to claim 6, wherein The determining the amount of carbon asset resources generated corresponding to the target transaction data according to the revenue contribution degree, the acceptance coverage degree, and the carbon emission reduction amount includes: Determine a contribution degree score value according to the revenue contribution degree, determine a coverage degree score value according to the acceptance coverage degree, and determine a carbon emission reduction score value according to the carbon emission reduction amount; Based on the first weight corresponding to the revenue contribution degree, the second weight corresponding to the acceptance coverage degree, and the third weight corresponding to the carbon emission reduction amount, perform a weighted summation process on the contribution degree score value, the coverage degree score value, and the carbon emission reduction score value to obtain the amount of carbon asset resources generated corresponding to the target transaction data.

8. The method according to claim 5, wherein The method further includes: Receive an equity exchange instruction for the carbon asset resources in the target payment account; In response to the equity exchange instruction, exchange the carbon asset resources into corresponding consumption resources according to the carbon asset resource unit price information.

9. The method according to claim 8, wherein Before exchanging the carbon asset resources into corresponding consumption resources according to the carbon asset resource unit price information, the method further includes: Determine the total amount of carbon asset resources to be distributed within the second preset period according to the number of users expected to participate in carbon emission reduction activities within the second preset period; Determine the carbon asset resource unit price information according to the equity investment amount within the second preset period and the total amount of carbon asset resources.

10. The method according to claim 1, wherein The method further includes: Determine the cumulative carbon emission reduction amount in the target payment account; Perform corresponding business processing according to the cumulative carbon emission reduction amount, and the business processing includes at least one of public welfare donation processing and honor logo issuance processing.

11. A device for determining carbon emission reduction amount, comprising: A data acquisition module, configured to acquire target transaction data of a target payment account, where the target transaction data includes target merchant identification information and a target transaction amount; A scenario determination module, configured to determine the consumption scenario to which the target transaction data belongs according to the target merchant identification information; An emission reduction determination module, configured to, when the consumption scenario is a target green consumption scenario among a preset plurality of green consumption scenarios, based on a carbon emission reduction calculation model corresponding to the target green consumption scenario, determine the carbon emission reduction amount corresponding to the target transaction data according to the target transaction amount, where the target green consumption scenario includes any one of the plurality of green consumption scenarios.

12. An electronic device, comprising a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, the steps of the method for determining the carbon emission reduction amount as described in any one of claims 1-10 are implemented.

13. A computer-readable storage medium, on which computer program instructions are stored, and when the computer program instructions are executed by a processor, the steps of the method for determining the carbon emission reduction amount as described in any one of claims 1-10 are implemented.

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