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WO2018137080A1 - Procédé et système de traitement de données liés à la distance de déplacement quotidien d'un véhicule - Google Patents

Procédé et système de traitement de données liés à la distance de déplacement quotidien d'un véhicule Download PDF

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Publication number
WO2018137080A1
WO2018137080A1 PCT/CN2017/072351 CN2017072351W WO2018137080A1 WO 2018137080 A1 WO2018137080 A1 WO 2018137080A1 CN 2017072351 W CN2017072351 W CN 2017072351W WO 2018137080 A1 WO2018137080 A1 WO 2018137080A1
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interest rate
daily interest
day
current day
financial
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PCT/CN2017/072351
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English (en)
Chinese (zh)
Inventor
万忠凯
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深圳双创科技发展有限公司
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Priority to PCT/CN2017/072351 priority Critical patent/WO2018137080A1/fr
Publication of WO2018137080A1 publication Critical patent/WO2018137080A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • G06Q50/26—Government or public services

Definitions

  • 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.
  • 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
  • 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 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 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 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;
  • 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 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.
  • 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;
  • 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 user terminal system The way to calculate the total distance traveled by the vehicle on the day is as follows:
  • 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.
  • the embodiment of the invention has the following beneficial effects:
  • 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.
  • FIG. 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
  • FIG. 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
  • FIG. 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.
  • 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.
  • 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.
  • 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:
  • the user terminal collects a total distance value of the vehicle traveling on the day.
  • 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.
  • 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.
  • a wireless connection such as Bluetooth, WIFI
  • 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.
  • 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;
  • 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.
  • 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
  • step 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.
  • the user terminal may consider that the total distance value of the vehicle traveling on the day allows financial management.
  • 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.
  • 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.
  • 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.
  • the target daily interest rate weighting coefficient is x
  • 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.
  • 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 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.
  • the financial platform identifies the financial account corresponding to the user identifier according to the user identifier.
  • the financial account corresponding to the user identifier identified by the financial platform may be a third-party financial account bound to the number.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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:
  • the user terminal collects a total distance value of the vehicle traveling on the same day.
  • step 201 The specific implementation of the foregoing step 201 has been described in the foregoing embodiments, and details are not described herein.
  • step 203 to step 206 are performed; otherwise, the process ends.
  • 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. .
  • 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.
  • the target daily interest rate weighting coefficient is x
  • 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.
  • 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 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.
  • the financial platform identifies, according to the user identifier, a financial account corresponding to the user identifier.
  • the financial account corresponding to the user identifier identified by the financial platform may be a third-party financial account bound to the number.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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:
  • the user terminal collects a total distance value of the vehicle traveling on the same day.
  • 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.
  • 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.
  • 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.
  • the target daily interest rate weighting coefficient is x
  • 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.
  • 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 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.
  • the financial platform identifies, according to the user identifier, a financial account corresponding to the user identifier.
  • the financial account corresponding to the user identifier identified by the financial platform may be a third-party financial account bound to the number.
  • 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.
  • 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.
  • 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.
  • the financial platform 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • an application client also referred to as a third-party application
  • 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.
  • 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.
  • 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 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.
  • 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 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.
  • 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.
  • 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;
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • ROM Read Only Memory
  • RAM Random Access Memory
  • PROM Programmable Read-Only Memory
  • EPROM Erasable Programmable Read Only Memory
  • OTPROM One-time Programmable Read-Only Memory
  • EEPROM Electronically-Erasable Programmable Read-Only Memory
  • CD-ROM Compact Disc Read
  • CD-ROM Compact Disc Read

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Abstract

L'invention concerne un procédé et un système de traitement de données liés à une distance de déplacement quotidien d'un véhicule. Le procédé comprend : le calcul, par un terminal utilisateur, d'une distance totale parcourue par un véhicule pendant la journée en cours ; s'il est déterminé que la distance totale est comprise dans une gamme de distance, dans laquelle la gestion financière est autorisée, la demande d'obtention d'un coefficient de pondération de taux d'intérêt quotidien cible correspondant à la distance totale, la distance totale étant inversement proportionnelle au coefficient de pondération de taux d'intérêt quotidien cible ; la communication à une plateforme de gestion financière d'un identifiant d'utilisateur du terminal utilisateur et du coefficient de pondération de taux d'intérêt quotidien cible ; l'identification par la plateforme de gestion financière, selon l'identifiant d'utilisateur, d'un compte de gestion financière correspondant à l'identifiant d'utilisateur ; l'ajustement, en fonction du coefficient de pondération de taux d'intérêt quotidien cible, d'un taux d'intérêt quotidien pour le jour actuel pour obtenir un taux d'intérêt quotidien réel pour le jour actuel, qui est supérieur au taux d'intérêt quotidien ; et le calcul, par la plateforme financière, en fonction du taux d'intérêt quotidien réel pour le jour actuel et d'une quantité actuelle dans le compte de gestion financière, d'une quantité d'augmentation quotidienne correspondant au compte de gestion financière pour le jour actuel. La présente invention fournit une incitation à réduire l'utilisation d'un véhicule, ce qui permet d'atténuer l'effet d'îlot de chaleur urbain et d'atténuer la pollution environnementale.
PCT/CN2017/072351 2017-01-24 2017-01-24 Procédé et système de traitement de données liés à la distance de déplacement quotidien d'un véhicule WO2018137080A1 (fr)

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Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101421756A (zh) * 2006-02-10 2009-04-29 芝加哥气候交易公司 排放信贷和限额期货的当前估值
US20090287408A1 (en) * 2008-05-18 2009-11-19 Volkswagen Of America, Inc. Method for Offering a User Reward Based on a Chosen Navigation Route
CN103985052A (zh) * 2014-05-29 2014-08-13 中国农业银行股份有限公司 一种利息结算系统及方法
CN104813345A (zh) * 2012-11-26 2015-07-29 P·弗莱彻 用于奖励通勤者的系统和方法

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101421756A (zh) * 2006-02-10 2009-04-29 芝加哥气候交易公司 排放信贷和限额期货的当前估值
US20090287408A1 (en) * 2008-05-18 2009-11-19 Volkswagen Of America, Inc. Method for Offering a User Reward Based on a Chosen Navigation Route
CN104813345A (zh) * 2012-11-26 2015-07-29 P·弗莱彻 用于奖励通勤者的系统和方法
CN103985052A (zh) * 2014-05-29 2014-08-13 中国农业银行股份有限公司 一种利息结算系统及方法

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