WO2018137080A1

WO2018137080A1 - Data processing method and system related to daily travel distance of vehicle

Info

Publication number: WO2018137080A1
Application number: PCT/CN2017/072351
Authority: WO
Inventors: 万忠凯
Original assignee: 深圳双创科技发展有限公司
Priority date: 2017-01-24
Filing date: 2017-01-24
Publication date: 2018-08-02

Abstract

A data processing method and system related to a daily travel distance of a vehicle. The method comprises: a user terminal computing a total distance traveled by a vehicle during the current day; if it is determined that the total distance is within a distance range, in which financial management is allowed, then querying to obtain a target daily interest rate weighting coefficient corresponding to the total distance, the total distance being inversely proportional to the target daily interest rate weighting coefficient; reporting to a financial management platform a user identifier of the user terminal and the target daily interest rate weighting coefficient; the financial management platform identifying, according to the user identifier, a financial management account corresponding to the user identifier; adjusting, according to the target daily interest rate weighting coefficient, a daily interest rate for the current day to obtain an actual daily interest rate for the current day, which is greater than the daily interest rate; and the financial platform computing, according to the actual daily interest rate for the current day and a current amount in the financial management account, a daily increase amount corresponding to the financial management account for the current day. The present invention provides an incentive to reduce vehicle use, thus mitigating the urban heat island effect and mitigating environmental pollution.

Description

Data processing method and system based on vehicle daily travel distance

Technical field

The present invention relates to the field of Internet technologies, and in particular, to a data processing method and system based on a vehicle travel distance.

Background technique

Environment and development are the focus of universal concern in the world. Development is not only to meet the needs of the contemporary people, but also to consider and not to impair the living conditions of future generations. Therefore, protecting the environment on which human beings depend for survival has become a common concern of the world. In the 21st century, with the increasing number of vehicles and the wider use of automobiles, the negative effects of automobiles on the world environment are also increasing, especially the harm to the urban environment, causing respiratory diseases, resulting in surface air ozone levels. High, aggravating the urban heat island effect, turning the urban environment to a worsening. Therefore, how to effectively guide the reduction of vehicle use to alleviate the urban heat island effect and reduce environmental pollution is one of the problems that need to be solved.

Summary of the invention

The embodiment of the invention discloses a data processing method and system based on the vehicle's daily travel distance, which can guide the reduction of vehicle use, thereby reducing the urban heat island effect and reducing environmental pollution.

A first aspect of the embodiments of the present invention discloses a data processing method based on a vehicle travel distance, including:

The user terminal counts the total distance value of the vehicle traveling on the same day;

Determining, by the user terminal, whether the total distance value is within a preset distance value range of allowed financial management, and if yes, querying a target daily interest rate weighting coefficient corresponding to the total distance value; wherein the total distance value is The inverse of the target daily interest rate weighting factor;

The user terminal reports the user identifier of the user terminal and the target daily interest rate weighting coefficient to the wealth management platform;

The financial platform identifies the financial account corresponding to the user identifier according to the user identifier;

The financial platform adjusts the daily interest rate of the day according to the target daily interest rate weighting coefficient, and obtains the actual daily interest rate of the current day, and the actual daily interest rate of the current day is greater than the daily interest rate of the current day;

The financial platform calculates the current day value added corresponding to the wealth management account according to the actual daily interest rate of the current day and the immediate amount in the wealth management account.

As an optional implementation manner, in the first aspect of the embodiments of the present invention, after the financial platform identifies the financial account corresponding to the user identifier according to the user identifier, and the financial platform according to the target The daily interest rate weighting factor adjusts the daily interest rate of the day, and before obtaining the actual daily interest rate of the day, the method further includes:

The financial platform determines whether the instant amount in the wealth management account exceeds a preset minimum amount threshold for allowing additional value added, and if so, performing the daily interest rate adjusted according to the target daily interest rate weighting coefficient to obtain the current day's interest rate The step of the actual daily interest rate; if not exceeded, calculating the current day value added corresponding to the wealth management account according to the daily interest rate of the current day and the immediate amount in the wealth management account.

As an optional implementation manner, in the first aspect of the embodiment of the present invention, after determining that the instantaneous amount in the financial account does not exceed a preset minimum amount threshold for allowing additional value, and according to the day Before calculating the daily interest rate and the instant amount in the wealth management account, and calculating the current day value added corresponding to the wealth management account, the method further includes:

The financial platform identifies whether the day is a legal holiday, and if it is a legal holiday, performing the step of adjusting the daily interest rate according to the target daily interest rate weighting factor to obtain the actual daily interest rate of the day; if it is not a legal holiday, And performing the step of calculating the current day value added corresponding to the wealth management account according to the daily interest rate of the current day and the immediate amount in the wealth management account.

As an optional implementation manner, in the first aspect of the embodiments of the present invention, the method further includes:

The financial platform adds the current value-added amount to the wealth management account to update the instant amount in the wealth management account;

And the financial platform pushes a notification message to the user terminal, where the notification message includes the current day value added amount and the updated immediate money amount in the wealth management account number.

As an optional implementation manner, in the first aspect of the embodiment of the present invention, the user terminal is configured to count the total distance traveled by the vehicle on the current day, including:

The user terminal establishes a wireless connection with the driving computer of the vehicle each time the vehicle starts up on the same day; and receives an instant after the vehicle is started by the driving computer through the wireless connection. The travel distance; and the sum of the instantaneous travel distances after each start of the driving computer received by the last time in the day is counted as the total distance traveled by the vehicle on the same day.

A second aspect of the embodiments of the present invention discloses a data processing system based on a vehicle travel distance, including:

a user terminal for counting the total distance traveled by the vehicle on the same day;

The user terminal is further configured to determine whether the total distance value is within a preset allowed travel value range, and if yes, query a target daily interest rate weighting coefficient corresponding to the total distance value; wherein, the total distance The value is inversely proportional to the magnitude of the target daily interest rate weighting factor;

The user terminal is further configured to report the user identifier of the user terminal and the target daily interest rate weighting coefficient to the financial platform;

The financial platform is configured to identify a financial account corresponding to the user identifier according to the user identifier;

The financial platform is further configured to adjust a daily interest rate of the current day according to the target daily interest rate weighting coefficient, and obtain an actual daily interest rate of the current day, wherein the actual daily interest rate of the current day is greater than the daily interest rate of the current day;

The financial platform is further configured to calculate the current day value added corresponding to the wealth management account according to the actual daily interest rate of the current day and the immediate amount in the wealth management account.

As an optional implementation manner, in the second aspect of the embodiment of the present invention:

The financial platform is further configured to: after identifying the financial account corresponding to the user identifier according to the user identifier, and adjusting the daily interest rate of the current day according to the target daily interest rate weighting coefficient, before obtaining the actual daily interest rate of the current day And determining whether the instant amount in the wealth management account exceeds a preset minimum amount threshold for allowing additional value increase, and if yes, performing the daily interest rate adjusted according to the target daily interest rate weighting factor, and obtaining the actual daily interest rate of the current day If not exceeded, calculate the current day value added corresponding to the financial account according to the daily interest rate of the current day and the immediate amount in the wealth management account.

The financial platform is further configured to: after determining that the real-time amount in the financial account does not exceed a preset minimum amount threshold for allowing additional value, and in an instant according to the daily interest rate of the current day and the wealth management account Amount, before calculating the value-added amount of the current day corresponding to the wealth management account, identifying whether the day is a legal holiday, and if it is a legal holiday, performing the daily interest rate adjusted according to the target daily interest rate weighting factor, and obtaining the actual date of the day The step of the daily interest rate; if it is not a legal holiday, performing the step of calculating the current day value added corresponding to the wealth management account according to the daily interest rate of the current day and the immediate amount in the wealth management account.

The financial platform is further configured to add the current value-added amount to the wealth management account to update the instant amount in the wealth management account;

And the financial platform is further configured to push a notification message to the user terminal, where the notification message includes the current day value added amount and an updated immediate money amount in the wealth management account number.

As an optional implementation manner, in the second aspect of the embodiment of the present invention, the user terminal system The way to calculate the total distance traveled by the vehicle on the day is as follows:

Compared with the prior art, the embodiment of the invention has the following beneficial effects:

In the embodiment of the present invention, when the user terminal counts and judges that the total distance value of the vehicle traveling on the current day is within the range of the preset allowed wealth management distance value, the target daily interest rate weighting coefficient corresponding to the total distance value may be queried, and the total distance is The value is inversely proportional to the size of the target daily interest rate weighting coefficient; further, the user terminal can report the user identifier of the user terminal and the target daily interest rate weighting coefficient to the wealth management platform, and the financial management platform identifies the financial account corresponding to the user identifier, and Adjusting the daily interest rate of the day according to the target daily interest rate weighting factor, obtaining the actual daily interest rate on the day of the daily interest rate greater than the current day; and calculating the current day value corresponding to the financial account according to the actual daily interest rate of the current day and the immediate amount in the wealth management account Amount. It can be seen that, in the embodiment of the present invention, the smaller the travel distance of the user's vehicle, the more value added in the user's financial account, so that the user can be effectively guided to reduce the vehicle use, thereby reducing the urban heat island effect and reducing environmental pollution.

DRAWINGS

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings to be used in the embodiments will be briefly described below. It is obvious that the drawings in the following description are only some embodiments of the present invention. Those skilled in the art can also obtain other drawings based on these drawings without paying any creative work.

1 is a data processing method based on a vehicle travel distance disclosed in an embodiment of the present invention. Schematic diagram of the process;

2 is a schematic flow chart of another data processing method based on a vehicle travel distance according to an embodiment of the present invention;

3 is a schematic flow chart of another data processing method based on a vehicle travel distance according to an embodiment of the present invention;

4 is a schematic structural diagram of a data processing system based on a vehicle travel distance according to an embodiment of the present invention.

detailed description

The technical solutions in the embodiments of the present invention are clearly and completely described in the following with reference to the accompanying drawings in the embodiments of the present invention. It is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments obtained by those skilled in the art based on the embodiments of the present invention without creative efforts are within the scope of the present invention.

The embodiment of the invention discloses a data processing method and system based on the vehicle's daily travel distance, which can guide the reduction of vehicle use, thereby reducing the urban heat island effect and reducing environmental pollution. The details are described below in conjunction with the drawings.

Embodiment 1

Please refer to FIG. 1. FIG. 1 is a schematic flow chart of a data processing method based on a vehicle travel distance disclosed in an embodiment of the present invention. As shown in FIG. 1, the data processing method based on the vehicle travel distance may include the following steps:

101. The user terminal collects a total distance value of the vehicle traveling on the day.

In the embodiment of the present invention, the user terminal may include not only a mobile smart device such as a smart phone or a tablet computer, but also a wearable smart device such as a smart watch, a smart eyeglass, or a smart wristband, which is not limited in the embodiment of the present invention.

As an optional implementation manner, the user terminal may separately establish a wireless connection (such as Bluetooth, WIFI) with the driving computer of the vehicle when the vehicle is started on the day of the vehicle; and receive the driving computer to send through the wireless connection. The instantaneous travel distance of the vehicle after each start; and the sum of the instantaneous travel distances after each start of the driving computer received during the day is counted as the total distance traveled by the vehicle on the same day.

For example, suppose the vehicle is started 2 times on the same day (ie 00:00~24:00), starting at 08:31 and 18:02, respectively, where 08:31 and 18:02 are also the successful start of the vehicle's driving computer. Timing start time; the vehicle establishes a wireless connection with the user terminal after starting at 08:31 and 18:02, and the vehicle is turned off after 08:31 until 09:01, and the vehicle starts at 18:02 until 18:55. Closed; then, during 08:31～09:01, the user terminal can receive the instant travel distance of the vehicle after the first start of the vehicle transmitted by the driving computer of the vehicle through the wireless connection, assuming that the user terminal is in the period from 08:31 to 09:01. The last traveled time after the first start of the vehicle received by the driving computer is 5.2KM (5.2 km); while between 18:02 and 18:55, the user terminal can also receive the driving computer of the vehicle. The instantaneous travel distance after the second start of the vehicle transmitted by the wireless connection, assuming that the instantaneous travel distance after the second start of the vehicle transmitted by the driving computer received by the user terminal during the period of 18:02 to 18:55 is 8.2 KM; Correspondingly, User terminal can count value and instant driving distance of 13.4km (i.e. 5.2KM + 8.2KM), the same day as the total distance of the vehicle after traveling twice the value of the start of the day on which the received traffic transmission computer.

For another example, assume that the vehicle was started twice on the day (ie 00:00 to 24:00), starting at 08:31 and 18:02, respectively, and the vehicle was established with the user terminal after starting at 08:31 and 18:02. Wireless connection, and the vehicle is turned off after 08:31 until 09:01, and the vehicle is turned off after starting at 18:02 until 01:15; then during 08:31~09:01, the user terminal can receive the driving computer of the vehicle The instantaneous travel distance after the first start of the vehicle transmitted via the wireless connection, assuming the first time the vehicle was sent by the driving computer received by the user terminal during 08:31-09:01 The instant travel distance after startup is 5.2KM; while between 18:02 and 01:15, the user terminal can also receive the instant travel distance of the vehicle after the second start of the vehicle transmitted by the vehicle's driving computer through the wireless connection, assuming 18 The current travel distance after the second start of the vehicle sent by the driving computer received by the user terminal for the last time from 02 to 24:00 (24:01 to 01:15 is not the current day) is 508KM; accordingly, the user terminal can The sum of the instantaneous travel distance after the start of the second computer sent by the driving computer received on the same day is 513.2KM (ie 5.2KM+508KM), which is the total distance traveled by the vehicle on the same day.

102. The user terminal determines whether the total distance value is within a preset allowed travel value range. If yes, step 103 to step 107 are performed; otherwise, the process ends.

In the embodiment of the present invention, if the maximum distance threshold of the preset allowed financial management is 10KM, when the user terminal determines that the total distance value of the vehicle traveling on the day is less than or equal to 10KM, the user terminal may consider that the total distance value of the vehicle traveling on the day allows financial management. At this time, step 103 to step 107 can be performed; otherwise, when the user terminal determines that the total distance value of the vehicle traveling on the day exceeds 10 KM, the user terminal can consider that the total distance value of the vehicle traveling on the day does not allow for financial management, and the flow can be ended.

103. The user terminal queries the target daily interest rate weighting coefficient corresponding to the total distance value, wherein the total distance value is inversely proportional to the size of the target daily interest rate weighting coefficient.

For example, the user terminal may query the target daily interest rate weighting coefficient corresponding to the total path value from the correspondence between the stored distance and the daily interest rate weighting coefficient.

In the embodiment of the present invention, it is assumed that the target daily interest rate weighting coefficient is x, and the value range of x may be: 0<x<1; when the total path value is 5KM, the value of x may be 0.5; When the path value is 10KM, the value of x can be 0.1. That is to say, the total distance value is inversely proportional to the size of the target daily interest rate weighting coefficient.

104. The user terminal reports the user identifier of the user terminal and the target daily interest rate weighting coefficient to the wealth management platform.

In the embodiment of the present invention, the user identifier of the user terminal may include the number of the user terminal or the account of the social application currently running by the user terminal (such as the account of the instant messaging application), which is not limited in the embodiment of the present invention.

105. The financial platform identifies the financial account corresponding to the user identifier according to the user identifier.

In the embodiment of the present invention, when the user identifier is the number of the user terminal, the financial account corresponding to the user identifier identified by the financial platform may be a third-party financial account bound to the number.

In the embodiment of the present invention, when the user identifier is an account of a social application currently running by the user terminal (such as an account of an instant messaging application), the financial account corresponding to the user identifier identified by the financial platform may be that the social application provides the user with the Financial account number.

106. The financial platform adjusts the daily interest rate of the day according to the target daily interest rate weighting coefficient, and obtains the actual daily interest rate of the day, wherein the actual daily interest rate of the day is greater than the daily interest rate of the day.

For example, the financial platform can calculate the product of the target daily interest rate weighting coefficient and the daily interest rate of the day, and calculate the sum of the product and the daily interest rate of the day as the actual daily interest rate of the day.

In the embodiment of the present invention, assuming that the daily interest rate of the current day is 1/1000, and the target daily interest rate weighting coefficient is 0.5, the financial platform can calculate the product of the target daily interest rate weighting factor 0.5 and the daily interest rate of 1/1000 (ie, 0.5/1000), and calculate the sum of the product (ie 0.5/1000) and the daily interest rate of the day (ie 1/1000) (ie 1.5/1000) as the actual daily interest rate for the day.

107. The financial platform calculates the current day value added corresponding to the wealth management account according to the actual daily interest rate of the day and the instant amount in the wealth management account.

In the embodiment of the present invention, the financial platform can calculate the product of the actual daily interest rate of the current day and the real-time amount in the wealth management account as the current day value added corresponding to the financial account.

In the method described in FIG. 1 , when the user terminal counts and judges that the total distance value of the vehicle traveling on the day is within the range of the preset allowed wealth management distance value, the target daily interest rate weighting coefficient corresponding to the total distance value may be queried. The total distance value is inversely proportional to the magnitude of the target daily interest rate weighting factor; further, The user terminal may report the user identifier of the user terminal and the target daily interest rate weighting coefficient to the wealth management platform, and the financial management platform identifies the financial account corresponding to the user identifier, and adjusts the daily interest rate according to the target daily interest rate weighting coefficient to obtain greater than the current day. The actual daily interest rate on the day of the daily interest rate; and, based on the actual daily interest rate of the day and the immediate amount in the wealth management account, the current day value added corresponding to the wealth management account number is calculated. It can be seen that, in the embodiment of the present invention, the smaller the travel distance of the user's vehicle, the more value added in the user's financial account, so that the user can be effectively guided to reduce the vehicle use, thereby reducing the urban heat island effect and reducing environmental pollution.

Embodiment 2

Please refer to FIG. 2. FIG. 2 is a schematic flowchart diagram of another data processing method based on a vehicle travel distance disclosed in an embodiment of the present invention. As shown in FIG. 2, the data processing method based on the vehicle travel distance may include the following steps:

201. The user terminal collects a total distance value of the vehicle traveling on the same day.

The specific implementation of the foregoing step 201 has been described in the foregoing embodiments, and details are not described herein.

202. The user terminal determines whether the total path value is less than or equal to a preset maximum allowed threshold of the allowed financial management. If yes, step 203 to step 206 are performed; otherwise, the process ends.

In the embodiment of the present invention, if the maximum distance threshold of the preset allowed financial management is 10KM, when the user terminal determines that the total distance value of the vehicle traveling on the day is less than or equal to 10KM, the user terminal may consider that the total distance value of the vehicle traveling on the day allows financial management. At this time, step 203 to step 206 can be performed; otherwise, when the user terminal determines that the total distance traveled by the vehicle on the day exceeds 10 KM, the user terminal can consider that the total distance value of the vehicle traveling on the day does not allow for financial management, and the process can be ended. .

203. The user terminal queries, according to a correspondence between the stored distance and the daily interest rate weighting coefficient, a target daily interest rate weighting coefficient corresponding to the total distance value, wherein the total distance value is inversely proportional to the size of the target daily interest rate weighting coefficient.

204. The user terminal reports the user identifier of the user terminal and the target daily interest rate weighting coefficient to the wealth management platform.

205. The financial platform identifies, according to the user identifier, a financial account corresponding to the user identifier.

The financial platform determines whether the instant amount in the wealth management account exceeds a preset minimum amount threshold for allowing additional value increase. If yes, steps 207 to 208 and steps 210 to 211 are performed; if not, steps 209 to 211 are performed. 211.

207. The financial platform calculates a product of the target daily interest rate weighting coefficient and the daily interest rate of the day, and calculates a sum of the product and the daily interest rate of the day as the actual daily interest rate of the day.

208. The financial platform calculates the current day value added corresponding to the wealth management account according to the actual daily interest rate of the current day and the immediate amount in the wealth management account, and performs steps 210 to 211.

209. The financial platform calculates the current day value added corresponding to the wealth management account according to the daily interest rate of the current day and the immediate amount in the wealth management account, and performs steps 210 to 211.

210. The wealth management platform increases the value added on the current day to the wealth management account to update the instant amount in the wealth management account.

211. The financial platform pushes a notification message including the current value-added amount and the real-time amount in the updated financial account to the user terminal, and ends the process.

In the embodiment of the present invention, when the financial platform determines that the real-time amount in the financial account does not exceed the preset minimum amount threshold for allowing additional value-added, step 209 to step 211 are executed, that is, the user realizes the financial account according to the daily interest rate of the current day. When it is determined that the instantaneous amount in the financial account exceeds the preset minimum amount threshold for allowing additional value added, steps 207 to 208 and steps 210 to 211 are performed, that is, according to the daily interest rate of the current day. The actual daily interest rate of the day is the daily gain of the user's financial account. Therefore, users can be better encouraged to increase financial investment, realize more financial gains for users, and improve users' sense of experience in financial management.

Wherein, the method described in FIG. 2 is implemented, the smaller the travel distance of the user's vehicle, the more value added in the user's financial account, thereby effectively guiding the user to reduce vehicle use, thereby reducing the urban heat island effect and reducing environmental pollution.

Embodiment 3

Please refer to FIG. 3. FIG. 3 is a schematic flowchart diagram of another data processing method based on a vehicle travel distance disclosed in an embodiment of the present invention. As shown in FIG. 3, the data processing method based on the vehicle travel distance may include the following steps:

301. The user terminal collects a total distance value of the vehicle traveling on the same day.

302. The user terminal determines whether the total path value is less than or equal to a preset maximum allowed threshold of the allowed financial management. If yes, step 303 to step 306 are performed; otherwise, the process ends.

In the embodiment of the present invention, if the maximum distance threshold of the preset allowed financial management is 10KM, when the user terminal determines that the total distance value of the vehicle traveling on the day is less than or equal to 10KM, the user terminal may consider that the total distance value of the vehicle traveling on the day allows financial management. At this time, step 303 to step 306 can be performed; otherwise, when the user terminal determines that the total distance value of the vehicle traveling on the day exceeds 10 KM, the user terminal can consider that the total distance value of the vehicle traveling on the day does not allow for financial management, and the flow can be ended.

303. The user terminal queries, according to the correspondence between the stored distance and the daily interest rate weighting coefficient, a target daily interest rate weighting coefficient corresponding to the total distance value, wherein the total distance value is inversely proportional to the size of the target daily interest rate weighting coefficient.

304. The user terminal reports the user identifier of the user terminal and the target daily interest rate weighting coefficient to the wealth management platform.

305. The financial platform identifies, according to the user identifier, a financial account corresponding to the user identifier.

In this embodiment of the present invention, when the user identifier is an account of a social application currently running by the user terminal (For example, the account of the instant messaging application), the financial account corresponding to the user identifier identified by the financial platform may be the financial account provided by the social application for the user.

306. The financial platform determines whether the instantaneous amount in the financial account exceeds a preset minimum amount threshold for allowing additional value increment. If not, step 307 is performed; if yes, steps 308 to 309 and steps 311 to 312 are performed.

307. The financial platform identifies whether the day is a legal holiday. If yes, steps 308 to 309 and steps 311 to 312 are performed; if not, steps 310 to 312 are performed.

In the embodiment of the present invention, when the financial platform recognizes that the current day is not a legal holiday, indicating that the current day is a working day, the financial platform may perform steps 310 to 312, that is, the daily gain of the financial account is realized only according to the daily interest rate of the day. When the financial platform recognizes that the current day is a legal holiday, step 308 to step 309 and steps 311 to 312 are performed; that is, the daily gain of the financial account is realized by the user according to the actual daily interest rate of the day higher than the daily interest rate of the day. That is to say, during the legal holiday, even if the immediate amount in the wealth management account does not exceed the preset minimum amount threshold for allowing additional value added, the financial platform also uses the actual daily interest rate of the day higher than the daily interest rate of the day as the user. Realizing the daily gain of the financial account, so that users can be better encouraged to reduce the use of vehicles during the legal holidays, which can effectively alleviate the serious congestion caused by the large number of vehicles going out during the legal holidays in China.

308. The financial platform calculates a product of the target daily interest rate weighting coefficient and the daily interest rate of the day, and calculates a sum of the product and the daily interest rate of the day as the actual daily interest rate of the day.

309. The financial platform calculates the current day value added corresponding to the wealth management account according to the actual daily interest rate of the current day and the immediate amount in the wealth management account, and performs steps 311 to 312.

310. The financial platform calculates the current day value added corresponding to the wealth management account according to the daily interest rate of the current day and the immediate amount in the wealth management account, and performs steps 311 to 312.

311. The wealth management platform adds the value of the day value to the wealth management account to update the instant amount in the wealth management account.

312. The financial platform pushes a notification message including the current value-added amount and the real-time amount in the updated financial account to the user terminal, and ends the process.

In the embodiment of the present invention, each step performed by the user terminal may be understood as a step performed by an application client (also referred to as a third-party application) corresponding to the financial platform installed by the user terminal.

Wherein, the method described in FIG. 3 is implemented, the smaller the travel distance of the user's vehicle, the more value added in the user's financial account, so that the user can be effectively guided to reduce vehicle use, thereby reducing the urban heat island effect and reducing environmental pollution.

Embodiment 4

Please refer to FIG. 4. FIG. 4 is a schematic structural diagram of a data processing system based on a vehicle travel distance according to an embodiment of the present invention. As shown in FIG. 4, the data processing system based on the vehicle travel distance may include:

The user terminal 401 is configured to count the total distance traveled by the vehicle 400 on the same day;

The user terminal 401 is further configured to determine whether the size of the total distance is less than or equal to a preset maximum travel threshold of the allowed financial management, and if yes, query the target corresponding to the total distance from the correspondence between the stored distance and the daily interest rate weighting coefficient. a daily interest rate weighting factor; wherein the size of the total distance is inversely proportional to the magnitude of the target daily interest rate weighting factor;

The user terminal 401 is further configured to report the user identifier of the user terminal 401 and the target daily interest rate weighting coefficient to the wealth management platform 402;

The financial platform 402 is configured to identify, according to the user identifier, a financial account corresponding to the user identifier;

The financial platform 402 is further configured to adjust the daily interest rate of the current day according to the target daily interest rate weighting coefficient, and obtain the actual daily interest rate of the current day, wherein the actual daily interest rate of the current day is greater than the daily interest rate of the current day; that is, the financial platform 402 calculates the target date. The product of the interest rate weighting factor and the daily interest rate of the day, and the sum of the product and the daily interest rate of the day, as the actual daily interest rate of the day;

The financial platform 402 is further configured to calculate the current day value added corresponding to the wealth management account according to the actual daily interest rate of the current day and the immediate amount in the wealth management account.

As an alternative embodiment, in the data processing system shown in Figure 4:

The financial platform 402 is further configured to: after identifying the financial account corresponding to the user identifier according to the user identifier, and calculating a product of the target daily interest rate weighting coefficient and the daily interest rate of the current day, and calculating the product and the daily interest rate of the day The sum of the values, as the actual daily interest rate of the current day, determines whether the immediate amount in the wealth management account exceeds the preset minimum amount threshold for allowing additional appreciation, and if so, performs the calculation of the target daily interest rate weighting factor and the date of the day The product of the interest rate, and the sum of the product and the daily interest rate of the day, as the actual daily interest rate of the day; if not, the financial account is calculated based on the daily interest rate of the day and the immediate amount in the wealth management account. The corresponding value of the day value added.

As an alternative embodiment, in the data processing system shown in Figure 4:

The financial platform 402 is further configured to calculate the financial management after determining that the immediate amount in the financial account does not exceed a preset minimum amount threshold for allowing additional appreciation, and based on the daily interest rate of the current day and the immediate amount in the financial account. Before the value-added amount corresponding to the current account, identify whether the day is a legal holiday, if it is a legal holiday, perform the above calculation of the target daily interest rate weighting factor and the daily interest rate of the day, and calculate the sum of the product and the daily interest rate of the day. The value is the step of the actual daily interest rate of the current day; if it is not a legal holiday, the step of calculating the current day value added corresponding to the financial account is calculated by performing the above-mentioned daily interest rate on the current day and the immediate amount in the wealth management account.

As an alternative embodiment, in the data processing system shown in Figure 4:

The financial platform 402 is further configured to add the current value-added amount to the wealth management account to update the instant amount in the wealth management account;

And the financial platform 402 is further configured to push a notification message to the user terminal, where the notification message includes the current value of the added value and the updated immediate amount in the financial account.

As an optional implementation manner, in the data processing system shown in FIG. 4, the manner in which the user terminal 401 counts the total distance traveled by the vehicle on the current day is specifically as follows:

The user terminal 401 establishes a wireless connection with the driving computer of the vehicle each time the vehicle starts up on the day of the vehicle; and receives the instantaneous driving distance after each startup of the vehicle transmitted by the driving computer through the wireless connection; and, the last of the statistics The sum of the instantaneous travel distances after each start of the received driving computer is used as the total distance traveled by the vehicle on the same day.

As a preferred embodiment, a miniature camera may be disposed in the vehicle, and the micro camera may be disposed at a certain hidden position of the vehicle console facing the driving user, and the micro camera can pass through the built-in wiring and the driving computer of the vehicle. connection. When the vehicle is started, the driving computer of the vehicle is also started; further, the driving computer of the vehicle can perform scanning of the user terminal, and when scanning to the user terminal having the pre-registration, the driving computer of the vehicle establishes wireless communication with the user terminal. connection. Further, the driving computer of the vehicle can drive the miniature camera to collect the facial image of the driving user, and determine whether the facial image matches the facial image of the vehicle owner, and if matched, acquire the user terminal corresponding to the vehicle owner. The identification (such as the mobile phone number of the user terminal), further, the driving computer can determine whether the identifier of the user terminal corresponding to the vehicle owner is the same as the identifier of the user terminal establishing the wireless connection, and if the same, the user is connected through the wireless connection The terminal sends the instant travel distance after the vehicle is started; otherwise, if it is not the same, it is not necessary to send the instant travel route after the vehicle is started to the user terminal through the wireless connection. In this embodiment, the data processing gain based on the vehicle's daily travel distance only for the vehicle owner can be accurately realized, thereby effectively preventing the non-vehicle owner from driving. The financial gain realized by other people's vehicles.

Wherein, implementing the data processing system described in FIG. 4, the smaller the travel distance of the user's vehicle, the more value added in the user's financial account, thereby effectively guiding the user to reduce vehicle use, thereby reducing the urban heat island effect and reducing the environment. Pollution. In addition, implementing the data processing system described in FIG. 4 can better encourage users to reduce vehicle usage during legal holidays, thereby effectively alleviating severe congestion caused by a large number of vehicles going out during legal holidays in China.

One of ordinary skill in the art can understand that all or part of the various methods of the above embodiments can be completed by a program to instruct related hardware, the program can be stored in a computer readable storage medium, and the storage medium includes read only Read-Only Memory (ROM), Random Access Memory (RAM), Programmable Read-Only Memory (PROM), Erasable Programmable Read Only Memory (EPROM) ), One-time Programmable Read-Only Memory (OTPROM), Electronically-Erasable Programmable Read-Only Memory (EEPROM), Read-Only Disc (Compact Disc Read) - Only Memory, CD-ROM) or other optical disc storage, disk storage, magnetic tape storage, or any other medium readable by a computer that can be used to carry or store data.

The data processing method and system based on the vehicle's daily travel distance disclosed in the embodiment of the present invention are described in detail. The principle and the implementation manner of the present invention are described in the following. The description of the above embodiment is only used. To help understand the method of the present invention and its core idea; at the same time, for those skilled in the art, according to the idea of the present invention, there will be changes in specific embodiments and application scopes. The content should not be construed as limiting the invention.

Claims

A data processing method based on a vehicle travel distance, characterized in that it comprises:

The user terminal counts the total distance value of the vehicle traveling on the same day;

Determining, by the user terminal, whether the total distance value is within a preset distance value range of allowed financial management, and if yes, querying a target daily interest rate weighting coefficient corresponding to the total distance value; wherein the total distance value is The inverse of the target daily interest rate weighting factor;

The user terminal reports the user identifier of the user terminal and the target daily interest rate weighting coefficient to the wealth management platform;

The financial platform identifies the financial account corresponding to the user identifier according to the user identifier;

The financial platform adjusts the daily interest rate of the day according to the target daily interest rate weighting coefficient, and obtains the actual daily interest rate of the current day, and the actual daily interest rate of the current day is greater than the daily interest rate of the current day;

The financial platform calculates the current day value added corresponding to the wealth management account according to the actual daily interest rate of the current day and the immediate amount in the wealth management account.
The data processing method according to claim 1, wherein the financial platform identifies the financial account corresponding to the user identifier according to the user identifier, and the financial platform according to the target daily interest rate weighting coefficient Before adjusting the daily interest rate of the day to obtain the actual daily interest rate of the day, the method further includes:

The financial platform determines whether the instant amount in the wealth management account exceeds a preset minimum amount threshold for allowing additional value added, and if so, performing the daily interest rate adjusted according to the target daily interest rate weighting coefficient to obtain the current day's interest rate The step of the actual daily interest rate; if not exceeded, calculating the current day value added corresponding to the wealth management account according to the daily interest rate of the current day and the immediate amount in the wealth management account.
The data processing method according to claim 2, wherein after determining that the instantaneous amount in the financial account does not exceed a preset minimum amount threshold for allowing additional value, and The method further includes: calculating, according to the daily interest rate of the current day and the real-time amount in the financial account, the day-end value-added amount corresponding to the wealth management account, the method further includes:

The financial platform identifies whether the day is a legal holiday, and if it is a legal holiday, performing the step of adjusting the daily interest rate according to the target daily interest rate weighting factor to obtain the actual daily interest rate of the day; if it is not a legal holiday, And performing the step of calculating the current day value added corresponding to the wealth management account according to the daily interest rate of the current day and the immediate amount in the wealth management account.
The data processing method according to claim 1, 2 or 3, wherein the method further comprises:

The financial platform adds the current value-added amount to the wealth management account to update the instant amount in the wealth management account;

And the financial platform pushes a notification message to the user terminal, where the notification message includes the current day value added amount and the updated immediate money amount in the wealth management account number.
The data processing method according to any one of claims 1 to 4, wherein the user terminal counts the total distance traveled by the vehicle on the current day, including:

The user terminal establishes a wireless connection with the driving computer of the vehicle each time the vehicle starts up on the same day; and receives an instant after the vehicle is started by the driving computer through the wireless connection. And the driving distance; and, the statistical value of the instantaneous driving distance after each startup sent by the driving computer received in the current day is counted as the total distance value of the vehicle traveling on the same day.
A data processing system based on a vehicle travel distance, characterized in that it comprises:

a user terminal for counting the total distance traveled by the vehicle on the same day;

The user terminal is further configured to determine whether the total distance value is within a preset allowed travel value range, and if yes, query a target daily interest rate weighting coefficient corresponding to the total distance value; wherein, the total distance The value is inversely proportional to the magnitude of the target daily interest rate weighting factor;

The user terminal is further configured to weight the user identifier of the user terminal and the target daily interest rate The coefficient is reported to the financial platform;

The financial platform is configured to identify a financial account corresponding to the user identifier according to the user identifier;

The financial platform is further configured to adjust a daily interest rate of the current day according to the target daily interest rate weighting coefficient, and obtain an actual daily interest rate of the current day, wherein the actual daily interest rate of the current day is greater than the daily interest rate of the current day;

The financial platform is further configured to calculate the current day value added corresponding to the wealth management account according to the actual daily interest rate of the current day and the immediate amount in the wealth management account.
The data processing system of claim 6 wherein:

The financial platform is further configured to: after identifying the financial account corresponding to the user identifier according to the user identifier, and adjusting the daily interest rate of the current day according to the target daily interest rate weighting coefficient, before obtaining the actual daily interest rate of the current day And determining whether the instant amount in the wealth management account exceeds a preset minimum amount threshold for allowing additional value increase, and if yes, performing the daily interest rate adjusted according to the target daily interest rate weighting factor, and obtaining the actual daily interest rate of the current day If not exceeded, calculate the current day value added corresponding to the financial account according to the daily interest rate of the current day and the immediate amount in the wealth management account.
The data processing system of claim 7 wherein:

The financial platform is further configured to: after determining that the real-time amount in the financial account does not exceed a preset minimum amount threshold for allowing additional value, and in an instant according to the daily interest rate of the current day and the wealth management account Amount, before calculating the value-added amount of the current day corresponding to the wealth management account, identifying whether the day is a legal holiday, and if it is a legal holiday, performing the daily interest rate adjusted according to the target daily interest rate weighting factor, and obtaining the actual date of the day The step of the daily interest rate; if it is not a legal holiday, performing the step of calculating the current day value added corresponding to the wealth management account according to the daily interest rate of the current day and the immediate amount in the wealth management account.
A data processing system according to claim 6, 7 or 8, wherein:

The financial platform is further configured to add the current value-added amount to the wealth management account to update the instant amount in the wealth management account;

And the financial platform is further configured to push a notification message to the user terminal, where the notification message includes the current day value added amount and an updated immediate money amount in the wealth management account number.
The data processing system according to any one of claims 6 to 9, wherein the manner in which the user terminal counts the total distance traveled by the vehicle on the current day is specifically:

The user terminal establishes a wireless connection with the driving computer of the vehicle each time the vehicle starts up on the same day; and receives an instant after the vehicle is started by the driving computer through the wireless connection. And the driving distance; and, the statistical value of the instantaneous driving distance after each startup sent by the driving computer received in the current day is counted as the total distance value of the vehicle traveling on the same day.