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1. WO2022001811 - CREDIT LINE PROCESSING METHOD AND DEVICE, AND CROP IDENTIFICATION METHOD AND DEVICE

Publication Number WO/2022/001811
Publication Date 06.01.2022
International Application No. PCT/CN2021/102030
International Filing Date 24.06.2021
IPC
G06Q 40/02 2012.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
G06Q 50/02 2012.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
50Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
02Agriculture; Fishing; Mining
G06K 9/00 2006.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
KRECOGNITION OF DATA; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
9Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
G06K 9/62 2006.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
KRECOGNITION OF DATA; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
9Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
62Methods or arrangements for recognition using electronic means
Applicants
  • 浙江网商银行股份有限公司 ZHEJIANG E-COMMERCE BANK CO., LTD. [CN]/[CN]
Inventors
  • 顾欣欣 GU, Xinxin
  • 甘利民 GAN, Limin
  • 汪佳 WANG, Jia
  • 孙剑哲 SUN, Jianzhe
  • 余泉 YU, Quan
  • 孙晓冬 SUN, Xiaodong
Agents
  • 北京博思佳知识产权代理有限公司 BEIJING BESTIPR INTELLECTUAL PROPERTY LAW CORPORATION
Priority Data
202010613765.830.06.2020CN
Publication Language Chinese (zh)
Filing Language Chinese (ZH)
Designated States
Title
(EN) CREDIT LINE PROCESSING METHOD AND DEVICE, AND CROP IDENTIFICATION METHOD AND DEVICE
(FR) PROCÉDÉ ET DISPOSITIF DE TRAITEMENT DE LIGNE DE CRÉDIT, AINSI QUE PROCÉDÉ ET DISPOSITIF D'IDENTIFICATION DE CULTURE
(ZH) 授信额度处理方法及装置、作物识别方法及装置
Abstract
(EN) Embodiments of the present description provide a credit line processing method and device, and a crop identification method and device. The credit line processing method comprises: obtaining land parcel information of a crop land parcel of a target user; using land parcel coordinate information and time information comprised in the land parcel information as input parameters, invoking a crop identification interface to perform crop type identification; determining a confidence level of the land parcel information according to crop type distribution returned by the crop identification interface and a target crop type comprised in the land parcel information; and determining the credit line of the target user on the basis of the confidence level, the land parcel information, and a crop attribute corresponding to the target crop type.
(FR) La présente invention porte, selon des modes de réalisation, sur un procédé et sur un dispositif de traitement de ligne de crédit, ainsi que sur procédé et sur un dispositif d'identification de culture. Le procédé de traitement de ligne de crédit consiste : à obtenir des informations de parcelle de terrain d'une parcelle de terrain de culture d'un utilisateur cible; à utiliser des informations de coordonnées de parcelle de terrain et des informations de temps incluses dans les informations de parcelle de terrain comme paramètres d'entrée, à invoquer une interface d'identification de culture pour effectuer une identification de type de culture; à déterminer un niveau de confiance des informations de parcelle de terrain selon une distribution de type de culture renvoyée par l'interface d'identification de culture et un type de culture cible compris dans les informations de parcelle de terrain; et à déterminer la ligne de crédit de l'utilisateur cible sur la base du niveau de confiance, des informations de parcelle de terrain et d'un attribut de culture correspondant au type de culture cible.
(ZH) 本说明书实施例提供了授信额度处理方法及装置、作物识别方法及装置,其中,一种授信额度处理方法包括:获取目标用户的作物地块的地块信息;以所述地块信息中包含的地块坐标信息和时间信息为入参,调用作物识别接口进行作物种类识别;根据所述作物识别接口返回的作物种类分布,以及所述地块信息中包含的目标作物种类,确定所述地块信息的置信度;基于所述置信度、所述地块信息以及所述目标作物种类对应的作物属性,确定所述目标用户的授信额度。
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