CN114549167A - ETC card application risk management and control system and method - Google Patents
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Abstract
Description
Translated fromChinese技术领域technical field
本发明涉及物流技术领域，具体涉及一种ETC卡申请的风险管控系统及方法。The invention relates to the technical field of logistics, in particular to a risk management and control system and method for ETC card application.
背景技术Background technique
ETC预付卡属于功能性信用卡，是银行针对单一用途及领域所发。ETC，ElectronicToll Collection，叫做电子不停车收费系统，常用于高速收费站。ETC prepaid cards are functional credit cards issued by banks for a single purpose and field. ETC, ElectronicToll Collection, is called electronic non-stop toll collection system, which is often used in high-speed toll stations.
但现在的ETC预付卡在物流领域的使用过程中存在的一定的问题，比如ETC预付卡由于其特殊的可先通行后付费的属性，具有极大的违约风险；物流领域、司机群体的风控评价体系具有其特殊性，传统的风控方法仅对用户的个人信用进行判断，无法应用在ETC预付卡的业务场景中；传统银行业、金融业的风控方法流程冗长，用户体验不好，并且存在人工参与程度高，对于用户的评价缺乏中立性的问题。上述问题亟待解决，为此，提出一种ETC卡申请的风险管控系统。However, there are certain problems in the use of the current ETC prepaid card in the field of logistics. For example, the ETC prepaid card has a great risk of breach of contract due to its special property of being able to pass first and pay later; the risk control of the logistics field and driver groups The evaluation system has its own particularity. The traditional risk control method only judges the user's personal credit and cannot be applied to the business scenario of ETC prepaid cards; the traditional banking and financial industry risk control methods are lengthy and the user experience is not good. In addition, there is a high degree of manual participation and the lack of neutrality in user evaluations. The above problems need to be solved urgently. Therefore, a risk management and control system for ETC card application is proposed.
发明内容SUMMARY OF THE INVENTION
本发明所要解决的技术问题在于：如何解决传统风控方法在无法应用在ETC预付卡的业务场景中以及流程冗长，用户体验不好，人工参与程度过高，对于用户的评价缺乏中立性的问题，提供了一种ETC卡申请的风险管控系统。The technical problem to be solved by the present invention is: how to solve the problems of traditional risk control methods that cannot be applied to ETC prepaid cards in business scenarios and long processes, poor user experience, high degree of manual participation, and lack of neutrality in user evaluations , which provides a risk management and control system for ETC card application.
本发明是通过以下技术方案解决上述技术问题的，本发明包括用户办理评分子系统、风控规则设定子系统、用户动态评分子系统；The present invention solves the above technical problems through the following technical solutions, and the present invention includes a user management scoring subsystem, a risk control rule setting subsystem, and a user dynamic scoring subsystem;
所述用户办理评分子系统包括数据服务模块、数据衍生模块、人车验真模块；所述数据服务模块用于获取用户个人数据、用户通行数据、用户车辆数据、第三方数据；所述数据衍生模块用于进行数据清洗、ETC通行数据分析工作，并对用户年龄、年龄、户籍数据进行衍生；所述人车验真模块用于进行人脸识别、四要素识别、车辆信息确认工作；The user management scoring subsystem includes a data service module, a data derivation module, and a human-vehicle verification module; the data service module is used to obtain user personal data, user traffic data, user vehicle data, and third-party data; the data derivation The module is used for data cleaning, ETC traffic data analysis, and derivation of user age, age, and household registration data; the person and vehicle verification module is used for face recognition, four-element recognition, and vehicle information confirmation;
风控规则设定子系统包括评分规则设置模块、评分数据管理模块、审批中台；所述评分规则设置模块用于用户信用评分规则进行设置；所述评分数据管理模块用于对用户信用评分数据进行管理；所述审批中台用于进行数据展示、数据新增、结果审批工作；The risk control rule setting subsystem includes a scoring rule setting module, a scoring data management module, and an approval center; the scoring rule setting module is used for setting user credit scoring rules; the scoring data management module is used for user credit scoring data. management; the approval center is used for data display, data addition, and result approval;
所述用户动态评分子系统包括黑名单库模块、定时任务执行模块；所述黑名单库模块用于进行名单调整及黑名单用户管理工作，所述定时任务执行模块用于周期性地对用户的使用情况进行评价，根据用户的通行费使用情况等用户信用评分维度调整用户的信用评分，通过信用评分控制用户的可垫付通行费额度。The user dynamic scoring subsystem includes a blacklist library module and a timed task execution module; the blacklist library module is used for list adjustment and blacklist user management, and the timed task execution module is used for periodically checking the user's Evaluate the usage, adjust the user's credit score according to the user's toll usage and other dimensions of the user's credit score, and use the credit score to control the user's amount of tolls that can be paid in advance.
更进一步地，所述第三方数据为第三方处获取用户信用相关的数据。Further, the third-party data is data related to user credit obtained from a third party.
更进一步地，四要素识别中的四要素指的是用户身份证号、用户姓名、用户银行卡号、用户银行卡预留手机号，具体识别过程为：用户上传资料：姓名、身份证号、银行卡号、银行卡预留手机号；将用户上传的资料传送给第三方；第三方校验四要素是否属于同一人；如果第三方校验银行卡四要素信息不正确或不属于同一人，则提示用户录入的信息错误；如果第三方校验银行卡四要素信息正确，则向用户填写的银行卡预留手机号发送一条短信验证码；用户回填正确的短信验证码；第三方校验用户回填的短信验证码与发送的短信验证码是否一致，若一致则返回用户已经完成实名认证的标识、不一致则会提示用户验证码输入错误；通知用户已完成实名认证。Further, the four elements in the four-element identification refer to the user's ID number, user name, user's bank card number, and user's bank card reserved mobile phone number. Card number and bank card reserved mobile phone number; transfer the information uploaded by the user to a third party; the third party verifies whether the four elements belong to the same person; if the third party verifies that the information of the four elements of the bank card is incorrect or does not belong to the same person, a reminder The information entered by the user is incorrect; if the information on the four elements of the bank card is correct in the third-party verification, a SMS verification code will be sent to the mobile phone number reserved for the bank card filled in by the user; the user will fill in the correct SMS verification code; Check whether the SMS verification code is the same as the sent SMS verification code. If they are the same, it will return the logo that the user has completed the real-name authentication. If they are inconsistent, the user will be prompted to enter an incorrect verification code, and the user will be notified that the real-name authentication has been completed.
更进一步地，所述评分规则设置模块用户信用评分规则进行设置的具体过程为：风控人员登录风险管控系统；进入评分规则设置模块；新建评分规则版本；对版本内的每一个风控评价维度进行分数设置；对用户总体得分可以办理的业务、可垫付通行费额度、用户需要缴纳的保证金额度进行设置；保存规则版本，完成用户信用评分规则的设置。Further, the specific process of setting the user credit scoring rules in the scoring rule setting module is as follows: the risk control personnel log in to the risk management and control system; enter the scoring rule setting module; create a new scoring rule version; evaluate each risk control dimension in the version Set the score; set the business that can be handled by the user's overall score, the amount of tolls that can be paid in advance, and the amount of the deposit that the user needs to pay; save the rule version and complete the setting of the user's credit scoring rules.
更进一步地，所述评分数据管理模块对用户信用评分数据进行管理的具体过程为：记录每一个用户进行信用评分的结果及明细，具体内容包括：用户名称、用户唯一标识、用户信用评分、用户当前可垫付通行费额度、用户当前保证金额度、用户当前办理的业务类型、用户评分版本编号、用户评分流水、用户历史评分记录；其中，用户历史评分记录包括：用户信用评分、用户评分版本编号、用户评分流水、用户各风控评价维度的评分结果。Further, the specific process of managing user credit scoring data by the scoring data management module is: recording the results and details of each user's credit scoring, and the specific content includes: user name, user unique identifier, user credit score, user credit score The current amount of tolls that can be paid in advance, the current margin amount of the user, the business type currently handled by the user, the user rating version number, the user rating flow, and the user historical rating record; among which, the user historical rating record includes: user credit rating, user rating version number, User rating flow, user rating results for each risk control evaluation dimension.
更进一步地，所述黑名单库模块的具体运行过程如下：用户使用ETC产生通行消费账单；高速方同步将用户的消费账单通过专线对接的方式传输给运营管理系统；用户如果发生恶意拖欠ETC通行费不还的情况，运营管理系统同步用户的逾期欠费信息，并通过专线对接的方式，将用户逾期欠费的信息同步给高速方，高速方在接收到用户逾期欠费的信息后，限制用户使用ETC进行高速通行，黑名单库模块记录用户的逾期欠费行为，并将用户加入到黑名单库，用户在偿清ETC预付卡欠款之前无法正常进行高速通行，也无法进行ETC预付卡的重新申办。Further, the specific operation process of the blacklist library module is as follows: the user uses ETC to generate a traffic consumption bill; the high-speed party synchronously transmits the user's consumption bill to the operation management system through a dedicated line connection; if the user maliciously defaults on the ETC to pass In the case of non-repayment, the operation management system synchronizes the user's overdue and arrears information, and synchronizes the user's overdue and arrears information to the high-speed party through a dedicated line connection. The user uses ETC for high-speed traffic, and the blacklist library module records the user's overdue and arrears behavior and adds the user to the blacklist database. The user cannot pass the high-speed traffic normally until the ETC prepaid card is paid off, and the ETC prepaid card cannot be used. reapplication.
本发明还提供了一种ETC卡申请的风险管控方法，采用上述的风险管控系统对ETC卡申请进行风险管控，具体包括以下步骤：The present invention also provides a risk management and control method for ETC card application, which adopts the above-mentioned risk management and control system to carry out risk management and control of ETC card application, which specifically includes the following steps:
S1：用户办理评分；S1: The user handles the scoring;
S2：风控规则设定；S2: Risk control rule setting;
S3：用户动态评分。S3: User dynamic score.
更进一步地，在所述步骤S1中，具体包括以下过程：Further, in the step S1, the following processes are specifically included:
S11：用户选择APP或公众号方式登录；S11: The user selects the APP or the official account to log in;
S12：用户通过四要素认证、人脸识别认证两种实名认证方式进行实名认证；S12: The user conducts real-name authentication through four-factor authentication and face recognition authentication;
S13：用户提交相关证件照片，采用OCR影像识别技术对相关证件照片进行识别；S13: The user submits relevant ID photos, and uses OCR image recognition technology to identify the relevant ID photos;
S14：采用与第三方接口联通的方式，在已经取得用户授权的前提下，对用户的个人身份信息与车辆信息进行校验，并通过第三方获取用户信用相关的数据，作为风险评价的前提条件；S14: By connecting with a third-party interface, on the premise that the user's authorization has been obtained, the user's personal identity information and vehicle information are verified, and the user's credit-related data is obtained through a third party as a prerequisite for risk assessment. ;
S15：根据用户上传的个人身份信息、车辆信息、从第三方获取的用户信用相关的数据，依据预先设置的风险控制规则对进行评分，并从多维度对用户的信用进行综合评分，依据用户不同的信用评分，用户可以办理不同的业务。S15: According to the personal identity information uploaded by the user, the vehicle information, and the data related to the user's credit obtained from a third party, score according to the preset risk control rules, and comprehensively score the user's credit from multiple dimensions. With the credit score, users can handle different businesses.
更进一步地，在所述步骤S15中，多维度具体包括用户户籍、年龄、车辆数量、车辆类型、车龄、路线稳定性、失信人查询、多头借贷情况查询。Further, in the step S15, the multi-dimension specifically includes the user's household registration, age, number of vehicles, vehicle type, vehicle age, route stability, dishonesty query, and long-term loan situation query.
更进一步地，在所述步骤S2中，具体包括以下过程：Further, in the step S2, the following processes are specifically included:
S21：风险管理人员登录运营管理系统；S21: The risk management personnel log in to the operation management system;
S22：风险管理人员使用分析工具对用户关联的数据进行PCA数据分析；S22: Risk managers use analysis tools to perform PCA data analysis on user-related data;
S23：风险管理人员依据数据分析的结果，得出与用户风险特征相关的变量与该变量在风险评价模型中的权重；S23: According to the results of data analysis, the risk management personnel obtain the variable related to the user's risk characteristics and the weight of the variable in the risk evaluation model;
S24：风险管理人员进行风控规则的设定。S24: Risk management personnel set risk control rules.
更进一步地，在所述步骤S3中，具体包括以下过程：Further, in the step S3, the following process is specifically included:
S31：用户正常进行通行消费；S31: the user conducts normal consumption;
S32：高速方记录用户ETC预付卡的使用情况，并且通过专线对接的方式将数据传输给运营管理系统，记录用户ETC的使用情况；S32: The high-speed party records the usage of the user's ETC prepaid card, and transmits the data to the operation management system through the connection of the dedicated line to record the usage of the user's ETC;
S33：依据运营管理系统记录的原始数据，针对每个用户定期输出统计分析的结果；S33: According to the original data recorded by the operation management system, the results of statistical analysis are regularly output for each user;
S34：依据大数据分析平台的统计分析结果，对用户的信用评分进行调整；S34: Adjust the user's credit score according to the statistical analysis results of the big data analysis platform;
S35：依据用户信用评分调整情况，对用户的保证金及ETC预付卡额度(可垫付通行费额度)进行调整。S35: Adjust the user's security deposit and the limit of the ETC prepaid card (the limit of tolls that can be paid in advance) according to the adjustment of the user's credit score.
本发明相比现有技术具有以下优点：信息的填写录入流程完全线上化，信息的录入效率远远高于传统的银行金融业务对于用户信息手工录入的方式；用户在录入信息时，系统自动进行实时的信息校验，确保数据来源的准确性；风控规则可以根据用户整体大数据统计结果进行调整，具备风控随时跟着业务走的灵活特性，较之传统风控规则调整缓慢、往往落后于业务发展的特性有极大的提升；完全建立在物流行业的基础上，在传统金融业对人的评判基础上，加入对车的评判，引入动态判断条件以通行费作为数据基准，更贴合物流行业场景，发挥物流行业的大数据优势。Compared with the prior art, the present invention has the following advantages: the information filling and inputting process is completely online, and the information inputting efficiency is far higher than the manual inputting method of user information in traditional banking and financial services; when the user enters information, the system automatically Carry out real-time information verification to ensure the accuracy of data sources; risk control rules can be adjusted according to the user's overall big data statistics, with the flexible feature of risk control following the business at any time. Compared with traditional risk control rules, the adjustment is slow and often lags behind. The characteristics of business development have been greatly improved; completely based on the logistics industry, on the basis of the traditional financial industry's evaluation of people, the evaluation of vehicles is added, and dynamic judgment conditions are introduced. It integrates the logistics industry scene and gives full play to the big data advantages of the logistics industry.
附图说明Description of drawings
图1是本发明实施例中ETC卡申请的风险管控系统框图；1 is a block diagram of a risk management and control system for ETC card application in an embodiment of the present invention;
图2是本发明实施例中用户办理评分的实施流程图；Fig. 2 is the implementation flow chart of the user handling scoring in the embodiment of the present invention;
图3是本发明实施例中风控规则设定的实施流程图；Fig. 3 is the implementation flow chart of the risk control rule setting in the embodiment of the present invention;
图4是本发明实施例中用户动态评分的实施流程图；Fig. 4 is the implementation flow chart of user dynamic scoring in the embodiment of the present invention;
图5是本发明实施例中黑名单库的工作流程图。FIG. 5 is a working flowchart of the blacklist library in the embodiment of the present invention.
具体实施方式Detailed ways
下面对本发明的实施例作详细说明，本实施例在以本发明技术方案为前提下进行实施，给出了详细的实施方式和具体的操作过程，但本发明的保护范围不限于下述的实施例。The embodiments of the present invention are described in detail below. This embodiment is implemented on the premise of the technical solution of the present invention, and provides a detailed implementation manner and a specific operation process, but the protection scope of the present invention is not limited to the following implementation. example.
如图1-5所示，本实施例提供一种技术方案：一种ETC卡申请的风险管控系统(下称：慧联运风险管理系统)，包括以下子系统：As shown in Figures 1-5, this embodiment provides a technical solution: a risk management and control system for ETC card application (hereinafter referred to as the "Smart Intermodal Risk Management System"), including the following subsystems:
用户办理评分子系统、风控规则设定子系统、用户动态评分子系统。User management scoring subsystem, risk control rule setting subsystem, and user dynamic scoring subsystem.
在用户办理评分子系统中，具体包括以下操作过程：The user management scoring subsystem includes the following operations:
1.1：用户选择慧联运APP或慧联运公众号登录1.1: The user selects the Huilianyun APP or the Huilianyun official account to log in
1.1.1：慧联运APP与慧联运公众号科大国创慧联运科技有限公司自主研发的前端ETC用户工具，用户可以在慧联运APP、慧联运公众号上完成ETC卡申办、ETC设备激活、ETC售后等与ETC预付卡相关的全业务流程。1.1.1: The front-end ETC user tool independently developed by Keda Guochuang Huilian Transportation Technology Co., Ltd. and the official account of Huilianyun APP and Huilianyun. Users can complete ETC card application, ETC device activation, ETC on the Huilianyun APP and the official account of Huilianyun Full business process related to ETC prepaid cards, such as after-sales.
1.2：用户实名认证1.2: User real-name authentication
1.2.1依据国家相关法律要求，ETC的办理需要先进行实名认证，慧联运风险管理系统为用户提供四要素认证、人脸识别认证两种实名认证方式，在用户即使不携带相关证件的情况下，也可以通过一台手机完成实名认证的动作，同时具备国家承认的法律效力；1.2.1 According to the relevant national legal requirements, ETC processing requires real-name authentication first. The risk management system of Huilian Transportation provides users with two real-name authentication methods, namely four-factor authentication and face recognition authentication. , you can also complete the real-name authentication action through a mobile phone, and at the same time have the legal effect recognized by the state;
四要素-四要素全称为银行卡四要素认证，需要的四要素为：1.用户身份证号2.用户姓名3.用户银行卡号4.用户银行卡预留手机号；Four elements - The full name of the four elements is bank card four-element authentication, and the four elements required are: 1. User ID number 2. User name 3. User bank card number 4. User bank card reserved mobile phone number;
银行卡四要素校验是对资料真实性的一种验证。通过传递姓名+身份证号码+手机号+银行卡号，针对全国所有银联卡，毫秒级验校姓名、手机号码、身份证号码、银行卡号是否一致。第三方银行卡四要素校验API，支持身份证、护照、港澳通行证等证件，适用于电商、第三方支付、互联网金融等需要核验银行卡真伪信息的平台，保障用户真实及资金安全；The four-factor verification of bank cards is a verification of the authenticity of the data. By passing the name + ID number + mobile phone number + bank card number, for all UnionPay cards in the country, check whether the name, mobile phone number, ID number and bank card number are consistent in milliseconds. The third-party bank card four-element verification API supports ID cards, passports, Hong Kong and Macao passes and other documents, and is suitable for e-commerce, third-party payment, Internet finance and other platforms that need to verify the authenticity of bank cards, ensuring the authenticity of users and the security of funds;
1.3：用户提交办理资料1.3: User submits handling materials
1.3.1：慧联运风险管理系统为缩短用户提交办理资料的流程，采用OCR影像识别技术，只需要用户上传相关证件照片，即可以识别出证件照片上的信息，缩减了用户填写资料的流程，同时提高了用户录入车辆信息的准确性；1.3.1: In order to shorten the process for users to submit and handle documents, the risk management system of Huilianyun adopts OCR image recognition technology. It only needs users to upload relevant ID photos to identify the information on the ID photos, which reduces the process for users to fill in information. At the same time, the accuracy of the user's input of vehicle information is improved;
1.4：真实性校验1.4: Authenticity verification
1.4.1：在ETC预付卡办理的过程中，使用虚假的信息进行业务办理对于慧联运货车ETC运营平台来说是风险程度最高的行为，如果用户使用虚假的信息进行ETC预付卡的办理，如若发生违约行为，平台即会面临资金无法追回的损失。1.4.1: In the process of ETC prepaid card processing, using false information for business processing is the most risky behavior for the ETC operation platform of Huilian Express. If the user uses false information for ETC prepaid card processing, if In the event of a breach of contract, the platform will face losses that cannot be recovered.
1.4.2：慧联运风险管理系统采用与第三方接口联通的方式，在已经取得用户授权的前提下，对用户的个人身份信息与车辆信息进行校验，避免了出现用户使用虚假信息进行ETC预付卡的申办，最终造成平台资金损失的情况。1.4.2: The risk management system of Huilian Transportation adopts the method of connecting with the third-party interface. On the premise that the user's authorization has been obtained, the user's personal identity information and vehicle information are verified, so as to avoid the user's use of false information for ETC prepayment. The application of the card will eventually lead to the loss of funds on the platform.
1.4.3：为丰富用户风险评价的维度，慧联运采用与第三方接口联通的方式，在取得用户授权的前提下，从权威第三方处获取用户信用相关的数据，作为风险评价的前提条件。1.4.3: In order to enrich the dimension of user risk assessment, Huilianyun adopts the method of connecting with the third-party interface. Under the premise of obtaining user authorization, it obtains user credit-related data from an authoritative third party as a prerequisite for risk assessment.
1.5：用户评分输出1.5: User rating output
1.5.1：用户上传的个人身份信息、车辆信息、从第三方获取的用户信用相关的数据会汇总到慧联运风险管理系统中，依据预先设置的风险控制规则进行信用评分；一个用户对应一个应用的信用评分，该评分结果会影响到用户应当缴纳的保证金以及可垫付的通行费额度，实时变动，实时调整。1.5.1: Personal identity information uploaded by users, vehicle information, and user credit-related data obtained from third parties will be aggregated into the HSBC risk management system, and credit scoring will be performed according to the pre-set risk control rules; one user corresponds to one application The credit score will affect the margin that the user should pay and the amount of tolls that can be paid in advance, which will be changed and adjusted in real time.
1.5.2：慧联运风险管理系统会对用户的信用进行综合评价，风控评价的维度包含：用户户籍、年龄、车辆数量、车辆类型、车龄、路线稳定性、失信人查询、多头借贷情况查询等，具体如下：1.5.2: The risk management system of Huilian Transport will conduct a comprehensive evaluation of the user's credit. The dimensions of the risk control evaluation include: user's household registration, age, number of vehicles, vehicle type, vehicle age, route stability, untrustworthy person inquiry, and long-term loan situation Inquiries, etc., as follows:
1.户籍，违约风险发生的时候，往往会有地域上的集中性，部分户籍的用户被认为违约风险高于其他户籍；1. For household registration, when the risk of default occurs, there is often a regional concentration, and some users of household registration are considered to have a higher default risk than other household registrations;
2.年龄，依据《2021年货车司机从业状况调查报告-中国物流与采购联合会》，中国2000多万卡车司机中，48.7％的卡车司机年龄在36～45岁之间，在该区间内的用户被认为从业经验丰富、货源稳定、偿还能力强；年龄太小的用户往往从业经验不足，有偿还能力方面的风险；2. Age, according to the "2021 Survey Report on the Employment of Truck Drivers - China Federation of Logistics and Purchasing", among the more than 20 million truck drivers in China, 48.7% of the truck drivers are between 36 and 45 years old. Users are considered to have rich experience in the industry, stable supply, and strong repayment ability; users who are too young often have insufficient experience in the industry and have the risk of repayment ability;
3.手机在网时长，用户在办理ETC时预留的手机号是用户重要的信息，是平台与用户之间沟通的联系渠道，有违约风险的用户往往会使用新办理的，手机在网时长短的手机号进行ETC的申办；3. The length of time the mobile phone is online, the mobile phone number reserved by the user when applying for ETC is important information for the user, and it is the communication channel between the platform and the user. Short mobile phone number to apply for ETC;
4.手机通话频次，用户在办理ETC时预留的手机号是用户重要的信息，是平台与用户之间沟通的联系渠道，有违约风险的用户往往会使用手机通话频次低；4. The frequency of mobile phone calls. The mobile phone number reserved by the user when handling ETC is important information for the user, and it is the communication channel between the platform and the user. Users with default risks tend to use mobile phone calls frequently;
5.车龄，用户的车龄是很重要的评价方式，卡车由于其使用频率较高，淘汰、更换率远高于其他类型的车辆，用户申办ETC的车辆车龄越小，直接更换车辆所有人不偿还该车辆通行费的概率越小，拖欠ETC通行费的可能性越低；5. Vehicle age, the user's vehicle age is a very important evaluation method. Due to the high frequency of use of trucks, the elimination and replacement rate is much higher than that of other types of vehicles. The lower the probability that a person does not repay the vehicle toll, the lower the probability of defaulting on the ETC toll;
6.车型，用户车辆类型越大,一次运输可以赚取的利润越高、用户自身的资金情况越好、偿还ETC通行费的能力越强；6. Model, the larger the user's vehicle type, the higher the profit that can be earned from one transportation, the better the user's own capital situation, and the stronger the ability to repay the ETC toll;
7.车辆数，用户在一定区间内，拥有的车辆数量越多，自身资金情况越好、偿还ETC通行费的能力越强；但是如果超出一定的数量后，一次违约的金额会超出平台可以承受的范围；7. The number of vehicles, the more vehicles a user owns within a certain range, the better their own financial situation and the stronger the ability to repay the ETC toll; however, if it exceeds a certain number, the amount of a breach of contract will exceed the platform’s ability to bear range;
8.涉诉，用户如果产生涉诉记录，且是被告、涉及财产纠纷，说明该用户的偿还能力贬低；8. Litigation, if the user has a litigation record, and is a defendant or involved in a property dispute, it means that the user's ability to repay is degraded;
9.三方判定，三方判定是指第三方持牌征信查询机构对用户综合信用的评估，该信用分越高、用户信用越好，偿还能力越强；信用分越低、用户信用越差，偿还能力越弱；9. Three-party judgment. The third-party judgment refers to the evaluation of the comprehensive credit of the user by a third-party licensed credit investigation agency. The higher the credit score, the better the user's credit, and the stronger the repayment ability; the lower the credit score, the worse the user's credit. The weaker the repayment ability;
10.用户失信查询，用户如果被列为国家公示的失信名单，则认为该用户有较高的违约风险；10. User dishonesty inquiry, if the user is listed on the list of dishonesty announced by the state, it is considered that the user has a high risk of default;
11.用户被执行查询，用户如果被列为法院被执行人，则认为该用户有较高的违约风险；11. If the user is queried, if the user is listed as the person to be executed by the court, it is considered that the user has a high risk of breach of contract;
12.用户通行频次，用户在统计周期内正常通行的频次越高，则认为该用户在相同的通行路线中，走高速的意愿越高，则认为该用户的偿还能力越强、出现违约风险的概率越低；12. The frequency of user traffic. The higher the frequency of the user's normal traffic in the statistical period, the higher the willingness of the user to take high-speed in the same traffic route, the stronger the repayment ability of the user and the risk of default. the lower the probability;
13.用户消费额变动率，用户如果ETC通行费的消费额变动率越低(标准差)，则认为该用户的货源越稳定，偿还能力越强、出现违约风险的概率越低；13. The rate of change of the user's consumption amount. If the user's rate of change in the consumption amount of ETC toll is lower (standard deviation), it is considered that the user's supply of goods is more stable, the repayment ability is stronger, and the probability of default risk is lower;
1.5.3：依据用户不同的信用评分，用户可以办理不同的业务，通常来说，信用评分越高的用户，能够办理的业务越丰富，ETC通行预付费额度越高。1.5.3: According to the different credit scores of users, users can handle different services. Generally speaking, users with higher credit scores can handle more services and the higher the prepaid amount of ETC.
1.6：用户接收信用评分结果。1.6: User receives credit score results.
1.7：用户依据信用评分结果自主选择可以办理的产品类型。1.7: Users can independently choose the types of products that can be handled according to the credit score results.
1.8：提交ETC预付卡申请办理订单至慧联运运营管理系统进行审核。1.8: Submit the ETC prepaid card application for processing the order to the operation management system of Huilian Transportation for review.
1.9：审核人员在慧联运运营管理系统上对用户提交的订单进行审核。1.9: The reviewers will review the orders submitted by the users on the operation management system of Huilianyun.
1.10：用户得知最终的ETC预付卡办理结果。1.10: The user is informed of the final ETC prepaid card processing result.
风控规则设定子系统Risk control rule setting subsystem
在风控规则设定子系统中，具体包括以下操作过程：In the risk control rule setting subsystem, it includes the following operations:
2.1：风险管理人员登录慧联运运营管理系统2.1: Risk management personnel log in to the operation management system of Huilian Transportation
2.1.1：慧联运运营管理系统是安徽科大国创慧联运科技有限公司自主研发的ETC后台运营管理系统，包括ETC用户管理、ETC卡片管理、ETC账户管理、协议管理、支付对账等模块，是ETC运营商使用的，与ETC业务相关联的所有数据汇总、展示、管理的综合性平台。2.1.1: Huilianyun operation management system is an ETC background operation management system independently developed by Anhui Keda Guochuanghuilianyun Technology Co., Ltd., including ETC user management, ETC card management, ETC account management, agreement management, payment reconciliation and other modules. It is a comprehensive platform used by ETC operators to summarize, display and manage all data associated with ETC services.
2.2：风险管理人员使用慧联运大数据分析平台对用户关联的数据进行PCA数据分析，用户关联的数据具体数据如下：2.2: Risk management personnel use the Huilianyun big data analysis platform to conduct PCA data analysis on user-related data. The specific data of user-related data are as follows:
1.户籍；1. Household registration;
2.年龄；2. Age;
3.手机在网时长；3. How long the mobile phone is online;
4.手机通话频次；4. Frequency of cell phone calls;
5.车龄；5. Vehicle age;
6.车型；6. Model;
7.车辆数；7. Number of vehicles;
8.涉诉；8. Litigation;
9.三方判定；9. Tripartite judgment;
10.用户失信查询；10. User untrustworthy inquiry;
11.用户被执行查询；11. The user is queried;
12.用户通行频次；12. User access frequency;
13.用户消费额变动率；13. The rate of change of user consumption;
2.2.1：慧联运大数据平台又称慧联运报表系统，是安徽科大国创慧联运科技有限公司自主研发的，基于慧联运运营管理系统的数据统计分析工具，应用慧联运大数据分析平台，可以对平台积累的数据进行统计分析，为决策者提供决策的数据支撑。2.2.1: The Huilian Transportation Big Data Platform, also known as the Huilian Transportation Reporting System, is independently developed by Anhui University of Science and Technology Guochuang Huilian Transportation Technology Co., Ltd. It is a data statistical analysis tool based on the Huilian Transportation Operation Management System, and applies the Huilian Transportation Big Data Analysis Platform. Statistical analysis can be performed on the data accumulated by the platform to provide decision-makers with data support for decision-making.
2.2.2：主成分分析(PCA)的基本方法是通过构造多个变量的适当的线性组合，以产生一系列互不相关的新变量，从中选出少数几个新变量并使它们含有尽可能多的原变量带有的信息，从而使这几个新变量代替原有变量分析问题和解决问题，变量中含有信息的多少通常用该变量的方差或样本方差来度量。2.2.2: The basic method of Principal Component Analysis (PCA) is to generate a series of uncorrelated new variables by constructing appropriate linear combinations of multiple variables, select a few new variables and make them contain as much as possible. Therefore, these new variables can replace the original variables to analyze and solve problems. The amount of information contained in a variable is usually measured by the variance or sample variance of the variable.
因子分析是主成分分析的推广与发展，也是多元统计中降维的一种方法，它的主要特点在于将多个变量综合为少数几个因子，以再现原始变量与因子之间的相关关系，能探索不易观测或者不能观测的潜在因素。Factor analysis is the extension and development of principal component analysis, and it is also a method of dimensionality reduction in multivariate statistics. Potential factors that are difficult to observe or cannot be observed can be explored.
因子分析根据研究对象的不同，可以分为R型和Q型因子分析，R型因子分析研究变量之间的相关关系，通过对变量的相关矩阵或协方差内部结构的研究，找出控制所有变量的几个公共因子，用以对变量或者样本进行分类，Q型因子分析研究样本之间的相关关系，通过对样本的相似矩阵内部结构的研究找出控制样本的几个主要因素，两种因子分析的处理方法是一样的，只是出发点不同。Factor analysis can be divided into R-type and Q-type factor analysis according to different research objects. R-type factor analysis studies the correlation between variables. Through the study of the correlation matrix of variables or the internal structure of covariance, find out the control of all variables. Several common factors are used to classify variables or samples, Q-type factor analysis studies the correlation between samples, and through the study of the internal structure of the similar matrix of the samples to find out several main factors that control the samples, two factors The approach to analysis is the same, but the starting point is different.
2.2.3：基于R语言的部分编程代码2.2.3: Partial programming code based on R language
注：R是一套完整的数据处理、计算和制图软件系统；其功能包括：数据存储和处理系统；数组运算工具(其向量、矩阵运算方面功能尤其强大)；完整连贯的统计分析工具；优秀的统计制图功能；简便而强大的编程语言：可操纵数据的输入和输出，可实现分支、循环，用户可自定义功能。Note: R is a complete set of data processing, calculation and graphing software systems; its functions include: data storage and processing systems; array operation tools (especially powerful in vector and matrix operations); complete and coherent statistical analysis tools; excellent Simple and powerful programming language: the input and output of data can be manipulated, branching, looping, and user-defined functions can be realized.
2.3：风险管理人员依据大数据分析的结果，得出与用户风险特征相关的变量与该变量在风险评价体系中的权重；与用户风险特征相关的变量如下：2.3: Based on the results of big data analysis, the risk management personnel obtain the variables related to the user's risk characteristics and the weight of the variable in the risk evaluation system; the variables related to the user's risk characteristics are as follows:
1.户籍；1. Household registration;
2.年龄；2. Age;
3.手机在网时长；3. How long the mobile phone is online;
4.手机通话频次；4. Frequency of cell phone calls;
5.车龄；5. Vehicle age;
6.车型；6. Model;
7.车辆数；7. Number of vehicles;
8.涉诉；8. Litigation;
9.三方判定；9. Tripartite judgment;
10.用户失信查询；10. User untrustworthy inquiry;
11.用户被执行查询；11. The user is queried;
12.用户通行频次；12. User access frequency;
13.用户消费额变动率；13. The rate of change of user consumption;
在本实施例中，In this embodiment,
1.用户基准评分580分；1. The user benchmark score is 580 points;
2.户籍，分为高风险区、风险区、不稳定区与正常区，高风险区用户【-25分】，风险区用户【-15分】，不稳定区用户【-10分】，正常区用户分数不发生变动；2. Household registration is divided into high risk area, risk area, unstable area and normal area. Users in high risk area [-25 points], users in risk area [-15 points], users in unstable area [-10 points], normal The user score of the district does not change;
3.年龄，用户18岁-25岁，【-10分】；25岁-30岁，【-25分】；3. Age, the user is 18-25 years old, [-10 points]; 25-30 years old, [-25 points];
4.手机在网时长，用户手机在网时长超过24个月【+10分】；用户手机在网时长12-24个月【不发生变动】；用户手机在网时长6-12个月【-10分】；用户手机在网时长小于6个月【-30分】；4. The user's mobile phone has been online for more than 24 months [+10 points]; the user's mobile phone has been online for 12-24 months [no change]; the user's mobile phone has been online for 6-12 months [- 10 points]; the user’s mobile phone has been online for less than 6 months [-30 points];
5.手机通话频次，用户三个月内通话频次大于60次【不发生变动】；用户三个月内通话频次在30次-60次【-5分】；用户三个月内通话频次小于30次【-10分】；5. The frequency of mobile phone calls, the user's call frequency within three months is greater than 60 times [no change]; the user's call frequency within three months is 30-60 times [-5 points]; the user's call frequency within three months is less than 30 times times [-10 points];
6.车龄，用户车龄小于2年【+10分】；用户车龄在2-4年【不发生变动】；用户车龄4-6年【-10分】；用户车龄大于6年【-50分】；6. Vehicle age, the user’s vehicle age is less than 2 years [+10 points]; the user’s vehicle age is 2-4 years [no change]; the user’s vehicle age is 4-6 years [-10 points]; the user’s vehicle age is greater than 6 years 【-50 points】;
7.车型，用户车型为一型货车【-50分】；用户车型为其他车型【不发生变动】；7. Model, the user's model is a truck [-50 points]; the user's model is other models [no change];
8.车辆数，用户车辆数大于5【-50分】；用户车辆数小于等于5【不发生变动】；8. The number of vehicles, the number of user vehicles is greater than 5 [-50 points]; the number of user vehicles is less than or equal to 5 [no change];
9.涉诉，用户有过刑事案件【-50分】；用户五年内有过非刑事诉讼案件且为被告【-25分】；用户五年内未有过诉讼案件或有过非刑事诉讼案件且为原告【不发生变动】；9. Involved in a lawsuit, the user has had a criminal case [-50 points]; the user has a non-criminal lawsuit within five years and is a defendant [-25 points]; the user has not had a lawsuit or a non-criminal lawsuit within five years and for the plaintiff [no change];
10.三方判定，用户命中欺诈等高风险项目【-30分】；用户命中非欺诈类风险项目【-5分】；用户三方信用评分较低【不发生变动】；用户三方信用评分正常或较高【+5分】；10. The third party determines that the user hits high-risk items such as fraud [-30 points]; the user hits non-fraud risk items [-5 points]; the user's third-party credit score is low [does not change]; the user's third-party credit score is normal or relatively high High [+5 points];
11.用户失信查询，用户命中失信人名单【-300分】；用户未命中失信人名单【不发生变动】；11. User untrustworthy query, the user hits the list of untrustworthy people [-300 points]; the user misses the list of untrustworthy people [does not change];
12.用户被执行查询，用户命中被执行公告【-300分】；用户未命中被执行查询【不发生变动】；12. The user is executed the query, the user hits the execution announcement [-300 points]; the user misses the execution query [no change];
13.以上各维度的评分均为可配置项，当前评分结果仅为当前配置的信用评分结果。13. The scores of the above dimensions are all configurable items, and the current score results are only the currently configured credit score results.
2.4：风险管理人员在慧联运风险管理系统中进行风控规则的设定2.4: The risk management personnel set the risk control rules in the risk management system of Huilian Transportation
2.4.1：慧联运风险管理系统是安徽科大国创慧联运科技有限公司自主研发的针对ETC预付卡用户的风险评价系统，包括评分规则设置模块、评分数据管理模块、审批中台等模块，是依据科学的方法控制ETC预付卡用户违约风险的工具。2.4.1: Huilianyun risk management system is a risk evaluation system for ETC prepaid card users independently developed by Anhui Keda Guochuanghuilianyun Technology Co., Ltd. It includes scoring rule setting module, scoring data management module, approval center and other modules. A tool to control the default risk of ETC prepaid card users based on scientific methods.
其中，在评分规则设置模块中，具体操作过程如下：Among them, in the scoring rule setting module, the specific operation process is as follows:
1.风控人员登录慧联运风险管理系统；1. Risk control personnel log in to the risk management system of Huilian Transportation;
2.进入慧联运风险管理系统-【评分规则设置】模块；2. Enter the risk management system of Huilian Transportation - [scoring rule setting] module;
3.点击【新建】按钮，新建评级规则版本；3. Click the [New] button to create a new rating rule version;
4.对版本内的每一个风控评价维度进行分数设置，如车龄小于1年可以得10分；4. Set the score for each risk control evaluation dimension in the version, if the vehicle age is less than 1 year, you can get 10 points;
5.对用户总体得分可以办理的业务、可垫付通行费额度、用户需要缴纳的保证金额度进行设置，不同信用评分段的用户可以办理的业务不同、可垫付通行费额度不同、用户需要缴纳的保证金额度不同，总体来说，用户信用评分越低，可以办理的业务越少、可垫付通行费额度越低、用户需要缴纳的保证金额度越高；5. Set the business that can be handled by the user's overall score, the amount of tolls that can be paid in advance, and the amount of margin that the user needs to pay. Users in different credit score segments can handle different businesses, different amounts of tolls that can be advanced, and the margin that the user needs to pay. The amount is different. Generally speaking, the lower the user's credit score is, the less business can be handled, the lower the amount of tolls that can be paid in advance, and the higher the amount of security deposit that the user needs to pay;
6.保存规则版本，完成用户信用评分规则的设置。6. Save the rule version and complete the setting of the user credit scoring rule.
在评分数据管理模块中，具体操作过程如下：In the scoring data management module, the specific operation process is as follows:
1.风控人员登录慧联运风险管理系统；1. Risk control personnel log in to the risk management system of Huilian Transportation;
2.进入慧联运风险管理系统-【用户评分数据管理】模块；2. Enter the risk management system of Huilianyun - [User Score Data Management] module;
3.查看用户当前信用评分；3. Check the user's current credit score;
4.用户的具体评分内容包括1.用户名称；2.用户唯一标识(USERID)；3.用户信用评分；4.用户当前可垫付通行费额度；5.用户当前保证金额度；6.用户当前办理的业务类型；7.用户评分版本编号；8.用户评分流水(用户进行评分的唯一标识)；9.用户历史评分记录；4. The user's specific scoring content includes 1. User name; 2. User unique identifier (USERID); 3. User credit score; 4. User's current toll payment amount; 5. User's current margin amount; 7. User rating version number; 8. User rating flow (the unique identifier for user rating); 9. User historical rating record;
其中，用户历史评分记录包括了1.用户信用评分；2.用户评分版本编号；3.用户评分流水(用户进行评分的唯一标识)；4.用户各维度的评分结果。Among them, the user's historical scoring record includes 1. the user's credit score; 2. the user's scoring version number; 3. the user's scoring flow (the unique identifier of the user's scoring); 4. the scoring results of each dimension of the user.
在审批中台中，具体操作过程如下：In the approval center, the specific operation process is as follows:
1.风控人员登录慧联运运营管理系统；1. The risk control personnel log in to the operation management system of Huilian Transportation;
2.通过审批中台审批用户提交的申请订单；2. Approve the application order submitted by the user through the approval center;
3.对于系统评分较高，可垫付通行费额度较高的用户进行人工审核；3. Manual review for users with higher system scores and higher tolls that can be paid in advance;
4.可垫付通行费额度大于10万的ETC办理订单需要进行人工审核。4. Manual review is required for ETC orders with advance payment of tolls greater than 100,000.
用户动态评分子系统。User dynamic scoring subsystem.
在用户动态评分子系统中，具体包括以下操作过程：The user dynamic scoring subsystem includes the following operations:
3.1：用户正常进行通行消费。3.1: The user conducts normal consumption.
3.2：高速方业务管理系统会记录用户ETC预付卡的使用情况，并且通过专线对接的方式将数据传输给慧联运运营管理系统。3.2: The high-speed side business management system will record the use of the user's ETC prepaid card, and transmit the data to the Huilian Transportation operation management system through a dedicated line connection.
3.3：慧联运运营管理系统会记录用户ETC的使用情况。3.3: The operation management system of Huilian Transportation will record the usage of ETC of users.
3.4：慧联运大数据分析平台会依据慧联运运营管理系统记录的原始数据，针对每个用户定期输出统计分析的结果。3.4: According to the original data recorded by the operation and management system of the Huilian Transportation, the Big Data Analysis Platform of Huilian Transportation will regularly output the results of statistical analysis for each user.
3.5：慧联运风险管理系统会依据慧联运大数据分析平台的统计分析结果，对用户的信用评分进行调整；具体调整过程如下：3.5: Huilianyun risk management system will adjust the user's credit score according to the statistical analysis results of the Huilianyun big data analysis platform; the specific adjustment process is as follows:
1.自用户申请通过开始，慧联运大数据分析平台每三个月会对用户的ETC使用情况进行一次统计，统计的指标包括：1.三个月内，用户的逾期次数；2.三个月内，用户的通行费使用情况，使用情况包含了两个大的维度：1. Since the user's application is approved, the Huilianyun big data analysis platform will make statistics on the user's ETC usage every three months. The statistical indicators include: 1. The number of overdue users within three months; 2. Three Within a month, the user's toll usage includes two major dimensions:
2.1用户通行频次，即用户在三个月内高速通行的次数；2.1 User access frequency, that is, the number of high-speed access users have within three months;
2.2用户消费额变动率，即用户在本次评估周期内的月平均消费额与用户在上个评估周期内的月平均消费额变动情况。2.2 The rate of change in the user's consumption amount, that is, the change in the user's monthly average consumption amount in this evaluation period and the user's monthly average consumption amount in the previous evaluation period.
3.慧联运风险管理系统根据以上两个统计指标对用户的信用评分进行调整；3. The risk management system of Huilianyun adjusts the user's credit score according to the above two statistical indicators;
4.用户逾期次数：4. User overdue times:
4.1逾期天数在一天内，每次【-5分】；4.1 The number of overdue days is within one day, each time [-5 points];
4.2逾期天数在一天至七天，每次【-15分】；4.2 The number of overdue days ranges from one to seven days, each time [-15 points];
4.3逾期天数在七天至十五天，每次【-25分】；4.3 The number of overdue days is from seven to fifteen days, each time [-25 points];
4.4逾期天数大于十五天，【-300分】；4.4 If the overdue days are more than 15 days, [-300 points];
5.用户通行费使用情况：5. User toll usage:
5.1用户月均通行频次在5次以下，【-30分】；5.1 The average monthly frequency of users is less than 5 times, [-30 points];
5.2用户月均通行频次在5-15次，【评分不发生变动】；5.2 The average monthly access frequency of users is 5-15 times, [the score does not change];
5.3用户月均通行频次在15-25次，【+20分】；5.3 The average monthly pass frequency of users is 15-25 times, [+20 points];
5.4用户月均通行频次大于25次，【+30分】；5.4 The average monthly pass frequency of users is more than 25 times, [+30 points];
5.5用户月均通行费下降30％以上【-50分】；5.5 The monthly average toll of users will drop by more than 30% [-50 points];
5.6用户月均通行费下降15％-30％【-30分】；5.6 The monthly average toll of users will be reduced by 15%-30% [-30 points];
5.7用户月均通行费下降0-15％【-20分】；5.7 The monthly average toll for users will drop by 0-15% [-20 points];
5.8用户月均通行费上升0-15％【+10分】；5.8 The monthly average toll of users will increase by 0-15% [+10 points];
5.9用户月均通行费上升15％-30％【+20分】；5.9 The monthly average toll of users will increase by 15%-30% [+20 points];
5.10用户月均通行费上升30％以上【+30分】；5.10 The monthly average toll of users increases by more than 30% [+30 points];
3.6：慧联运运营管理系统会根据慧联运风险管理系统做出的用户信用评分调整，对用户的保证金及ETC预付卡额度进行调整，正常通行的用户随着使用时间的增长，需要缴纳的保证金会逐步降低至0；经常发生逾期未还行为的用户，需要缴纳的保证金金额会随着违约次数的增加而增长，ETC预付卡的预付费额度会随之下降。3.6: The operation management system of Huilianyun will adjust the user's deposit and the limit of the ETC prepaid card according to the user's credit score adjustment made by the risk management system of Huilian. The normal users will need to pay the deposit as the use time increases. Gradually reduce to 0; for users who often overdue, the amount of security deposit that needs to be paid will increase as the number of defaults increases, and the prepaid amount of the ETC prepaid card will decrease accordingly.
3.7：慧联运对用户的保证金与预付费额度的调整会及时通过短信、APP通知消息、微信公众号通知消息的形式告知用户，确保用户的知情权。3.7: The adjustment of the user's deposit and prepaid amount will be notified to the user by SMS, APP notification message, and WeChat public account notification message in a timely manner to ensure the user's right to know.
用户动态评分子系统还包括黑名单库模块，以下对黑名单库模块进行详细说明。The user dynamic scoring subsystem also includes a blacklist library module, which will be described in detail below.
4.1：黑名单库模块是针对ETC预付卡用户发生恶意拖欠ETC通行费所采用的风险规避手段。4.1: The blacklist library module is a risk avoidance method for ETC prepaid card users who maliciously default on ETC tolls.
4.2：用户使用ETC产生通行消费账单。4.2: Users use ETC to generate pass consumption bills.
4.3：高速方业务管理系统会同步将用户的消费账单通过专线对接的方式传输给慧联运运营管理系统。4.3: The high-speed side business management system will synchronously transmit the user's consumption bill to the Huilian Transportation operation management system through a dedicated line connection.
4.4：慧联运运营管理系统会及时通过短信、APP通知消息、微信公众号通知消息的形式告知用户。4.4: The operation management system of Huilianyun will notify users in time through SMS, APP notification message, and WeChat public account notification message.
4.5：用户如果发生恶意拖欠ETC通行费不还的情况，慧联运运营管理系统会同步用户的逾期欠费信息，并通过专线对接的方式，将用户逾期欠费的信息同步给高速方业务管理系统。4.5: If the user maliciously defaults on the ETC toll fee, the operation management system of Huilian Transportation will synchronize the user's overdue and arrears information, and synchronize the user's overdue and arrears information to the expressway business management system by means of dedicated line connection. .
4.6：高速方业务管理系统在接收到用户逾期欠费的信息后，会限制用户使用ETC进行高速通行。4.6: After receiving the information that the user is overdue and arrears, the high-speed service management system will restrict the user to use ETC for high-speed traffic.
4.7：慧联运运营管理系统会同步用户逾期信息至慧联运风险管理系统。4.7: The operation management system of Huilianyun will synchronize the overdue information of users to the risk management system of Huilianyun.
4.8：慧联运风险管理系统会记录用户的逾期欠费行为，并将用户加入到黑名单库，用户在偿清ETC预付卡欠款之前无法正常进行高速通行，也无法进行ETC预付卡的重新申办。4.8: Huilianyun risk management system will record the user's overdue and arrears behavior and add the user to the blacklist database. Before the user pays off the ETC prepaid card arrears, the user cannot normally pass the expressway, nor can he re-apply for the ETC prepaid card .
4.9：用户在偿清ETC预付卡欠款之后会解除黑名单库的限制，但是慧联运风险管理系统会记录用户的此次行为，并对用户的信用评分进行调整；调整规则如下：4.9: After the user pays off the arrears of the ETC prepaid card, the restrictions on the blacklist database will be lifted, but the HSBC risk management system will record the user's behavior and adjust the user's credit score; the adjustment rules are as follows:
1.逾期天数在一天内，每次【-5分】；1. The number of overdue days is within one day, each time [-5 points];
2.逾期天数在一天至七天，每次【-15分】；2. The number of overdue days is from one to seven days, each time [-15 points];
3.逾期天数在七天至十五天，每次【-25分】；3. The number of overdue days is from 7 to 15 days, each time [-25 points];
4.逾期天数大于十五天，【-300分】；4. The number of overdue days is more than 15 days, [-300 points];
4.10：慧联运运营管理系统会根据慧联运风险管理系统做出的用户信用评分调整，对用户的保证金及ETC预付卡额度(可垫付通行费额度)进行调整；4.10: According to the adjustment of the user's credit score made by the risk management system of Huilian Transportation, the operation management system of Huilianyun will adjust the user's deposit and the limit of the ETC prepaid card (toll amount that can be paid in advance);
需要说明的是，ETC预付卡额度是因为ETC预付卡的支付方式为“先通行、后付费”，如果用户在ETC卡余额不足的情况下，也可正常的通过高速收费站，慧联运作为货车ETC运营方，会先给货车ETC卡用户一个可垫付的通行费额度，如果用户通行费在可垫付通行额度之内，且并未逾期，慧联运会先替用户垫资给高速方，支付ETC通行费，此时用户还是可以正常的进行高速通行；如果用户使用的通行费额度超过了慧联运给用户的可垫付通行费额度，或者慧联运替用户垫资的ETC通行费逾期未还，慧联运会同步违约信息给到高速方，此时用户无法正常通过高速ETC车道；It should be noted that the limit of the ETC prepaid card is because the payment method of the ETC prepaid card is "pass first, pay later". If the user has insufficient ETC card balance, he can also pass through the high-speed toll station normally, and Huilian operates as a truck. The ETC operator will first give the truck ETC card user a toll amount that can be paid in advance. If the user’s toll is within the toll amount that can be paid in advance, and it is not overdue, Huilian Transportation will first advance the user to the expressway and pay the ETC At this time, the user can still pass the toll normally; if the toll amount used by the user exceeds the toll amount that can be paid in advance to the user by Huilian, or the ETC toll paid by Huilian for the user is overdue, Huilian Intermodal will synchronize the default information to the high-speed party, and the user cannot pass the high-speed ETC lane normally at this time;
4.11：慧联运对用户的保证金与预付费额度的调整会及时通过短信、APP通知消息、微信公众号通知消息的形式告知用户，确保用户的知情权。4.11: The adjustment of the user's margin and prepaid amount will be notified to the user by SMS, APP notification message, and WeChat public account notification message in a timely manner to ensure the user's right to know.
需要说明的是，在4.10-4.11中，“慧联运”指的是慧联运货车ETC运营平台，其中给予货车ETC卡用户一个可垫付通行费额度，是【慧联运货车ETC运营平台】(主体)通过【慧联运风险管理系统】+【慧联运运营管理系统】(工具)综合评估后，提供给用户使用的；其中慧联运会先替用户垫资给高速方，是【慧联运货车ETC运营平台】(主体)通过【慧联运运营管理系统】+【银行资金通道】(工具)，结算资金先给到高速方，并进行记账；同步违约信息，是【慧联运货车ETC运营平台】与高速方进行了系统对接，通过【慧联运运营管理系统】，实现违约信息的同步。It should be noted that, in 4.10-4.11, "Hui Lianyun" refers to the ETC operation platform of Hui Lianyun trucks, in which the user of the truck ETC card is given a toll amount that can be paid in advance, which is the [Hui Lianyun Truck ETC Operation Platform] (main body) After the comprehensive evaluation of [Huilian Transportation Risk Management System] + [Huilian Transportation Operation Management System] (tool), it is provided to users for use; among them, Huilian Transportation will first advance funds for users to the expressway, which is the [Huilian Transportation ETC operation platform for trucks]. ] (Subject) Through [Hui Lianyun Operation Management System] + [Bank Funds Channel] (tool), the settlement funds are first given to the expressway, and the account is recorded; synchronizing the default information, it is the [Hui Lianyun truck ETC operation platform] and the expressway. The party has connected the system, and realized the synchronization of default information through the [Huilian Transportation Operation Management System].
综上所述，上述实施例的ETC卡申请的风险管控系统，信息的填写录入流程完全线上化，信息的录入效率远远高于传统的银行金融业务对于用户信息手工录入的方式；用户在录入信息时，系统自动进行实时的信息校验，确保数据来源的准确性；风控规则可以根据用户整体大数据统计结果进行调整，具备风控随时跟着业务走的灵活特性，较之传统风控规则调整缓慢、往往落后于业务发展的特性有极大的提升；完全建立在物流行业的基础上，在传统金融业对人的评判基础上，加入对车的评判，引入动态判断条件以通行费作为数据基准，更贴合物流行业场景，发挥物流行业的大数据优势。To sum up, in the risk management and control system for ETC card application in the above embodiment, the information filling and input process is completely online, and the information input efficiency is much higher than the manual input of user information in traditional banking and financial services; When entering information, the system automatically performs real-time information verification to ensure the accuracy of the data source; the risk control rules can be adjusted according to the user's overall big data statistical results, with the flexible feature of risk control following the business at any time, compared with traditional risk control. The characteristics of slow adjustment of rules and often lagging behind business development have been greatly improved; completely based on the logistics industry, on the basis of the traditional financial industry's evaluation of people, the evaluation of vehicles is added, and dynamic judgment conditions are introduced to charge tolls. As a data benchmark, it is more in line with the logistics industry scenario and leverages the big data advantages of the logistics industry.
尽管上面已经示出和描述了本发明的实施例，可以理解的是，上述实施例是示例性的，不能理解为对本发明的限制，本领域的普通技术人员在本发明的范围内可以对上述实施例进行变化、修改、替换和变型。Although the embodiments of the present invention have been shown and described above, it should be understood that the above-mentioned embodiments are exemplary and should not be construed as limiting the present invention. Embodiments are subject to variations, modifications, substitutions and variations.
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