CN112150270A - Method, device, equipment and computer readable medium for monitoring vehicle information - Google Patents
Method, device, equipment and computer readable medium for monitoring vehicle information Download PDFInfo
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Abstract
The invention discloses a method, a device, equipment and a computer readable medium for monitoring vehicle information, and relates to the technical field of computers. One embodiment of the method comprises: estimating vehicle information in batches to obtain estimation information of vehicles, wherein the vehicle information comprises vehicle loan information and vehicle state information; determining that the vehicle information meets an early warning condition according to the reevaluation value in the valuation information and the vehicle loan balance in the vehicle loan information; and responding to a re-evaluation request, re-evaluating the vehicle information after updating the evaluation parameters of the vehicle, determining that the vehicle information meets the early warning condition again according to the re-evaluation value in the re-evaluation information of the vehicle and the vehicle loan balance, and sending the early warning information of the vehicle information. The embodiment can automatically monitor the validity of the vehicle credit consumed to early warn risks, improve efficiency and reduce error rate.
Description
Technical Field
The present invention relates to the field of computer technologies, and in particular, to a method, an apparatus, a device, and a computer-readable medium for monitoring vehicle information.
Background
With the social progress and economic development, the number of vehicles is rapidly increasing. More and more consumers buy vehicles through vehicle consumption loans.
Vehicle consumption credits are increasing day by day, and vehicle value of vehicles of different brands and different qualities is reduced to different degrees along with the increase of service life due to different maintenance conditions, different working properties and different working conditions. Wherein the operational property may comprise one of private use, public affairs and operation.
In the process of implementing the invention, the inventor finds that at least the following problems exist in the prior art: in order to grasp the value of the vehicle in time and ensure that the requirement of the balance of the vehicle loan can be covered, the validity of the vehicle consumption credit is manually monitored to early warn risks, the efficiency is low, and the error rate is high.
Disclosure of Invention
In view of the above, embodiments of the present invention provide a method, an apparatus, a device, and a computer-readable medium for monitoring vehicle information, which can automatically monitor validity of vehicle credit consumption to warn risks, improve efficiency, and reduce error rate.
To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided a method of monitoring vehicle information, including:
estimating vehicle information in batches to obtain estimation information of vehicles, wherein the vehicle information comprises vehicle loan information and vehicle state information;
determining that the vehicle information meets an early warning condition according to the reevaluation value in the valuation information and the vehicle loan balance in the vehicle loan information;
and responding to a re-evaluation request, re-evaluating the vehicle information after updating the evaluation parameters of the vehicle, determining that the vehicle information meets the early warning condition again according to the re-evaluation value in the re-evaluation information of the vehicle and the vehicle loan balance, and sending the early warning information of the vehicle information.
The batch estimate vehicle information includes:
and estimating the vehicle information in batches at preset time intervals from the starting time of the installments of the vehicle loan when the balance of the vehicle loan is not zero.
The preset time period is 180 days.
The batch estimate vehicle information includes:
and estimating the vehicle information in batches according to the vehicle database which is updated periodically.
The batch estimate vehicle information includes:
and receiving the vehicle information uploaded through the perl script, and estimating the vehicle information in batches.
The vehicle loan information includes a staging application number, a purchase time, and a vehicle loan balance.
The vehicle state information includes one or more of a car manufacturer, a vehicle brand, a car purchase invoice price, a car frame number, a number of passing households, whether a new energy vehicle is used, and a vehicle type.
The estimation information of the vehicle comprises a frame number, a reevaluation date, a reevaluation value and a reevaluation mortgage rate.
The vehicle information comprises zero passing times and non-new energy vehicle types,
the early warning condition comprises that the ratio of the vehicle loan balance of the vehicle to the reestimated value of the vehicle is greater than a first early warning threshold value.
The vehicle information comprises zero passing times and a new energy vehicle type,
the early warning condition comprises that the ratio of the vehicle loan balance of the vehicle to the reestimated value of the vehicle is greater than a second early warning threshold.
The vehicle information comprises non-zero passing times and non-new energy vehicle types,
the early warning condition comprises that the ratio of the vehicle loan balance of the vehicle to the reestimated value of the vehicle is greater than a third early warning threshold.
The vehicle information comprises non-zero passing times and new energy vehicle types,
the early warning condition comprises that the ratio of the vehicle loan balance of the vehicle to the reestimated value of the vehicle is greater than a fourth early warning threshold.
The reevaluation request is determined by a monitor page that includes valuation information.
The evaluation information in the monitoring page is arranged from near to far according to the reevaluation date.
The vehicle evaluation parameters include one or more of a technical condition parameter, a maintenance parameter, a manufacturing quality parameter, an operating property parameter, and an operating condition parameter.
The re-estimated value of the vehicle is determined from the vehicle price, the age parameter, and the assessment parameter.
The vehicle price is the minimum of the factory guide price and the original purchase invoice price of the vehicle.
The age parameter is determined by the age of the vehicle and the age of the vehicle.
According to a second aspect of the embodiments of the present invention, there is provided an apparatus for monitoring vehicle information, including:
the system comprises a first evaluation module, a second evaluation module and a third evaluation module, wherein the first evaluation module is used for evaluating vehicle information in batches to obtain the evaluation information of vehicles, and the vehicle information comprises vehicle loan information and vehicle state information;
the judging module is used for determining that the vehicle information meets the early warning condition according to the reestimated value in the valuation information and the vehicle loan balance in the vehicle loan information;
and the second evaluation module is used for responding to a re-evaluation request, re-evaluating the vehicle information after updating the evaluation parameters of the vehicle, determining that the vehicle information meets the early warning condition again according to the re-evaluation value and the vehicle loan balance in the re-evaluation information of the vehicle, and sending the early warning information of the vehicle information.
According to a third aspect of the embodiments of the present invention, there is provided an electronic apparatus that monitors vehicle information, including:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method as described above.
According to a fourth aspect of embodiments of the present invention, there is provided a computer readable medium, on which a computer program is stored, which when executed by a processor, implements the method as described above.
One embodiment of the above invention has the following advantages or benefits: estimating vehicle information in batches to obtain estimation information of vehicles, wherein the vehicle information comprises vehicle loan information and vehicle state information; determining that the vehicle information meets the early warning condition according to the reevaluation value in the valuation information and the vehicle loan balance in the vehicle loan information; and responding to the re-evaluation request, re-evaluating the vehicle information after updating the evaluation parameters of the vehicle, determining that the vehicle information meets the early warning condition again according to the re-evaluation value and the vehicle loan balance in the re-evaluation information of the vehicle, and sending the early warning information of the vehicle information. Since the validity of the vehicle credit consumed can be automatically monitored to early warn of risks, efficiency is improved and error rate is reduced.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
fig. 1 is a schematic diagram of a main flow of a method of monitoring vehicle information according to an embodiment of the invention;
FIG. 2 is a schematic diagram of a monitor page according to an embodiment of the invention;
FIG. 3 is a schematic flow diagram for monitoring vehicle information according to an embodiment of the present invention;
fig. 4 is a schematic diagram of the main structure of an apparatus for monitoring vehicle information according to an embodiment of the invention;
FIG. 5 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;
fig. 6 is a schematic block diagram of a computer system suitable for use in implementing a terminal device or server of an embodiment of the invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
In the prior art, a consumer purchases a vehicle via a vehicle spending credit. As vehicle usage time increases, the actual value of the vehicle decreases. Considering that the consumer needs to repay the vehicle consumption loan according to the term, if the actual value of the vehicle is much less than the residual loan of the vehicle, the consumer may give up repayment of the loan, and other situations may occur.
At present, the validity of the vehicle message credit is usually monitored manually for early warning, however, the monitoring efficiency is low, and the monitoring error rate is high.
In order to solve the technical problems of low monitoring efficiency and high monitoring error rate, the following technical scheme in the embodiment of the invention can be adopted.
Referring to fig. 1, fig. 1 is a schematic diagram of a main flow of a method for monitoring vehicle information according to an embodiment of the present invention, and determines whether vehicle information satisfies an early warning condition by evaluating a vehicle twice. And sending early warning information under the condition that the early warning conditions are met twice. As shown in fig. 1, the method specifically comprises the following steps:
s101, estimating vehicle information in batches to obtain estimation information of the vehicles, wherein the vehicle information comprises vehicle loan information and vehicle state information.
In the embodiment of the invention, the vehicle consumption credit relates to more vehicles, and the efficiency of monitoring the vehicle information in a manual mode is low and the error rate is high. The vehicle information includes vehicle loan information and vehicle state information.
The vehicle loan information is loan information related to vehicle consumption credit. As one example, the vehicle loan information includes an installment application number, a purchase time, and a vehicle loan balance. The staging application number is the identifier of the vehicle loan, and the corresponding vehicle consumption credit can be inquired according to the staging application number. The purchase time is the actual purchase time of the vehicle. The vehicle loan balance is the remaining amount of the vehicle loan at the current point in time.
The vehicle state information is information related to the current state of the vehicle. As one example, the vehicle status information includes one or more of a car manufacturer, a car brand, a car purchase invoice price, a car frame number, a number of passing households, whether a new energy car is available, and a vehicle type.
Since the number of pieces of vehicle information is large, it is necessary to estimate vehicle information in a batch manner. In one embodiment of the invention, uploading vehicle information through perl scripts is received, and vehicle information is evaluated in batches.
In consideration of the need to implement the technical scheme in the embodiment of the invention on various computer platforms, the vehicle information can be uploaded through the perl script. perl is a powerful computer programming language that runs on over 100 computer platforms, and is widely used, from mainframes to portable devices, from rapid prototyping to large-scale extensible development.
In one embodiment of the present invention, it is not necessary to estimate each vehicle information in a batch. But the vehicle information needs to be evaluated in batches at preset time intervals under the condition that the vehicle information begins from the staging starting time of the vehicle loan and the balance of the vehicle loan in the vehicle information is not zero.
It is understood that the batch valuation vehicle information starts from the staging start time of the vehicle loan, and the balance of the vehicle loan in the vehicle information is not zero.
Considering that the vehicle loan balance in the vehicle loan information and the number of times of passing a household in the vehicle state information may vary with time, the vehicle information needs to be evaluated in batches at preset time intervals to ensure the accuracy of vehicle evaluation.
As an example, the preset time period is 180 days. That is, the vehicle information is estimated in batch every 180 days to ensure the estimation accuracy of the vehicle.
It should be noted that, in estimating the vehicle information, the vehicle database needs to be used. Vehicle state information of a plurality of vehicles is stored in a vehicle database. Some vehicle state information may change over time. Then, the vehicle information can be estimated in a batch manner based on the periodically updated vehicle database, thereby ensuring the accuracy of the estimation.
In the embodiment of the invention, the estimation information of the vehicle can be obtained based on the vehicle information. The estimation process is the same for each vehicle.
The vehicle information is used as an input parameter, and the estimation information of the vehicle is used as an output parameter. As one example, the estimation information of the vehicle includes a frame number, a reevaluation date, a reevaluation value, and a reevaluation mortgage rate. Wherein, the reevaluation mortgage rate is loan balance/vehicle reevaluation value.
The reevaluation of the vehicle is determined by the vehicle price, the age parameter, and the evaluation parameter. In one embodiment of the invention, the vehicle's reassessment value is vehicle price x age parameter x evaluation parameter.
Wherein the vehicle price is the minimum of the delivery guide price and the original purchase invoice price of the vehicle. As one example, the factory guideline price for a vehicle is 20 ten thousand, the original purchase invoice price for the vehicle is 19 thousand, and the vehicle price may be 19 thousand.
The age parameter is determined by the age of the vehicle and the age of the vehicle. As one example, the age parameter ═ (depreciation age of vehicle × 12 — used age of vehicle)/depreciation age of vehicle × 12.
The evaluation parameters include one or more of a health parameter, a maintenance parameter, a manufacturing quality parameter, an operating property parameter, and an operating condition parameter. As one example, the evaluation parameter may be set in advance.
It is understood that the evaluation parameter is a parameter greater than 0 and less than 1. As an example, the evaluation parameter may be equal to the sum of several parameters, namely: the sum of the technical condition parameters, the maintenance parameters, the manufacturing quality parameters, the operating property parameters, and the operating condition parameters.
The evaluation parameters are briefly described below. In the embodiments described below, the evaluation parameters include a health parameter, a maintenance parameter, a manufacturing quality parameter, an operating property parameter, and an operating condition parameter.
The technical status parameter relates to the following five cases: good, general, poor; the corresponding technical condition parameters are 0.3, 0.24, 0.18, 0.12 and 0.06.
The maintenance parameters relate to the following three cases: good, general, poor; the corresponding maintenance parameters are 0.25, 0.175 and 0.075.
The manufacturing quality parameters relate to the following three cases: import of whole cars, joint ventures/domestic nameplates, domestic/domestic non-nameplates; the corresponding manufacturing quality parameters are 0.2, 0.18 and 0.16.
The operating property parameters relate to the following three cases: private use, public/business, operations; the corresponding working property parameters are 0.15, 0.135 and 0.12.
The operating condition parameters relate to the following three cases: better, general, poor; the corresponding working condition parameters are 0.1, 0.09 and 0.08.
As an example, the technical status parameter relates to the case: good, technical status parameters: 0.3; maintenance parameters relate to the situation: good, maintenance parameters: 0.25; manufacturing quality parameters relate to the case: import of the whole vehicle, manufacturing quality parameters: 0.2; operating property parameters relate to the conditions: private use; working property parameters: 0.15; the operating condition parameters relate to the conditions: better; the operating condition parameter is 0.1. Evaluating parameters: 0.3+0.25+0.2+0.15+0.1 ═ 1.
And S102, determining that the vehicle information meets the early warning condition according to the reestimated value in the valuation information and the vehicle loan balance in the vehicle loan information.
In the embodiment of the invention, the early warning condition is preset according to the number of passing households and whether the vehicle is a new energy vehicle type.
The warning condition is described in four cases as follows:
the first condition is as follows:
the vehicle information comprises a non-new energy vehicle type with zero passing times, and the vehicle is a non-new energy vehicle type with one hand.
The early warning condition comprises that the ratio of the vehicle loan balance of the vehicle to the reestimated value of the vehicle is greater than a first early warning threshold value. As one example, the first pre-alarm threshold is equal to 80%.
Case two:
the vehicle information comprises the number of times of passing the house as zero and a new energy vehicle type, and the vehicle is a new energy vehicle type with one hand.
The early warning condition comprises that the ratio of the vehicle loan balance of the vehicle to the reestimated value of the vehicle is greater than a second early warning threshold. As one example, the second pre-alarm threshold is equal to 85%.
Case three:
the vehicle information comprises non-zero passing times and non-new energy vehicle types, and the vehicle is a second-hand non-new energy vehicle type.
The early warning condition comprises that the ratio of the vehicle loan balance of the vehicle to the reestimated value of the vehicle is greater than a third early warning threshold value. As an example, the third pre-alarm threshold is equal to 70%.
Case four:
the vehicle information comprises the non-zero number of times of passing a house and a new energy vehicle type, and the vehicle is a second-hand new energy vehicle type.
The early warning condition comprises that the ratio of the vehicle loan balance of the vehicle to the reestimated value of the vehicle is greater than a fourth early warning threshold value. As one example, the fourth pre-alarm threshold is equal to 70%.
In one embodiment of the invention, whether the vehicle information meets the early warning condition or not is obtained by setting the insufficient value mark. As an example, if the deficiency value flag is 1, the warning condition is satisfied; and if the deficiency value flag is 0, the early warning condition is not met.
Calculating to obtain the ratio of the vehicle loan balance in the vehicle loan information to the reevaluation value in the valuation information according to the reevaluation value in the valuation information and the vehicle loan balance in the vehicle loan information, and if the ratio is greater than an early warning threshold, determining that the vehicle information meets an early warning condition; and if the ratio is less than or equal to the early warning threshold value, determining that the vehicle information does not meet the early warning condition.
S103, responding to the re-evaluation request, re-evaluating the vehicle information after updating the evaluation parameters of the vehicle, determining that the vehicle information meets the early warning condition again according to the re-evaluation value and the vehicle loan balance in the re-evaluation information of the vehicle, and sending the early warning information of the vehicle information.
When the vehicle information is determined to meet the early warning condition, in the process of estimating the vehicle information in batches, errors may exist due to more vehicle information. Such as: the re-estimation value is wrong, or the estimation parameter setting is not reasonable.
Then, in order to further accurately monitor the vehicle information, the vehicle information may be estimated again. It should be noted that the vehicle information is automatically triggered when being evaluated for the first time; re-evaluation of the vehicle information is triggered based on a re-evaluation request.
The evaluation information is included in the monitoring page, and an operator can select the evaluation information to be evaluated again according to the evaluation information in the monitoring page. It will be appreciated that the reevaluation request is determined by the monitoring page.
In order to be able to make a re-evaluation request in time, it is preferable to perform the re-evaluation at the first time when the vehicle information satisfies the warning condition, so as to avoid the influence of the time interval on the warning. The evaluation information in the monitoring page is arranged from near to far according to the reevaluation date.
Referring to fig. 2, fig. 2 is a schematic diagram of a monitoring page according to an embodiment of the present invention, and in fig. 2, estimation information of four vehicles, which are estimation information 1, estimation information 2, estimation information 3, and estimation information 4, respectively, is included.
The four evaluation information items may be arranged in order of the reevaluation date from near to far. That is, the evaluation value information 2 is arranged at the first bit, the evaluation value information 4 is arranged at the second bit, the evaluation value information 3 is arranged at the third bit, and the evaluation value information 1 is arranged at the fourth bit.
In this way, when the evaluation is performed again, the estimation information at the front position is preferentially selected.
In addition, besides the evaluation information, parameters such as the number, the staging application number, the name of the client and the like can be displayed in the monitoring page.
A request for reevaluation can be sent in the monitoring page by selecting the valuation information of the vehicle. In response to the re-evaluation request, the evaluation value information of the vehicle may be re-evaluated.
It should be noted that the evaluation parameters of the vehicle need to be updated before the re-evaluation, and this is done to improve the accuracy of the re-evaluation.
The reevaluation value in the valuation information is positively correlated with the evaluation parameter, and the accuracy of the evaluation parameter is seriously influenced. The evaluation parameters of the vehicle can then be updated on the basis of the current actual situation of the vehicle.
Wherein updating the evaluation parameter of the vehicle may be achieved by increasing the evaluation parameter. As one example, the original evaluation parameters include a technical condition parameter, a maintenance parameter, a manufacturing quality parameter. The working property parameters and the working condition parameters can be increased on the basis of the original evaluation parameters. The updated evaluation parameters include technical condition parameters, maintenance parameters, manufacturing quality parameters, operating property parameters, and operating condition parameters.
As another example, updating the evaluation parameter of the vehicle may also be performed by updating a condition to which the evaluation parameter corresponds. As an example, the case of a checked technical condition parameter would be: generally, the situation of the prior art parameters is: is poor.
By updating the evaluation parameters of the vehicle, the accuracy of re-evaluation is improved.
After updating the evaluation parameters of the vehicle, the vehicle information can be evaluated again. Similar to the first estimation process, estimation information of the vehicle can be obtained based on the vehicle information.
In the re-estimation process, the updated estimation parameters of the vehicle are adopted, and the possibility that the re-estimation information of the vehicle is different from the first estimation information of the vehicle is high.
And then, judging whether the vehicle information meets the early warning condition or not according to the reestimated value and the vehicle loan balance in the vehicle reestimated value information. If the vehicle estimation information does not meet the early warning condition, the vehicle information is monitored; and if the estimated value information of the vehicle meets the early warning condition again, sending the early warning information of the vehicle information.
As an example, the warning information of the vehicle information may be sent through a monitoring page, such as: the vehicle information is marked red. As another example, the warning information of the vehicle information may be transmitted through a software message or a short message.
In the above-described embodiment of the invention, the monitoring of the vehicle information is largely divided into two estimations. In the first evaluation process, the vehicle information is evaluated in a batch manner, that is, a plurality of pieces of vehicle information are evaluated at one time. Namely: estimating vehicle information in batches to obtain estimation information of vehicles, wherein the vehicle information comprises vehicle loan information and vehicle state information;
then, whether the vehicle information meets the early warning condition is judged. Namely: and determining that the vehicle information meets the early warning condition according to the reevaluation value in the valuation information and the vehicle loan balance in the vehicle loan information.
In the re-estimation process, the estimated vehicle information needs not only to satisfy the warning condition but also to respond to the re-evaluation request. That is, the vehicle information satisfies the warning condition, but the re-evaluation request is not received, and the re-evaluation is not required. Namely: and responding to the re-evaluation request, re-evaluating the vehicle information after updating the evaluation parameters of the vehicle, determining that the vehicle information meets the early warning condition again according to the re-evaluation value and the vehicle loan balance in the re-evaluation information of the vehicle, and sending the early warning information of the vehicle information.
Since the validity of the vehicle consumption credit can be automatically monitored to early warn the risk, the efficiency can be greatly improved and the error rate can be reduced.
Referring to fig. 3, fig. 3 is a schematic flow chart of monitoring vehicle information according to an embodiment of the present invention, which specifically includes the following steps:
and S301, the vehicle loan is not zero.
The technical solution in the embodiments of the present invention may be executed in a terminal. As an example, the terminal may be a mobile terminal, or a computer.
And estimating the vehicle information in batches every preset time period under the condition that the vehicle loan balance is not zero from the staging starting time of the vehicle loan.
That is, if the vehicle loan is not zero, the evaluation is not necessary and the process can be terminated. In the case that the vehicle loan is not zero, S302 may be performed every preset time period from the installment starting time of the vehicle loan to estimate the vehicle information in batches.
And S302, estimating the vehicle information in batches to obtain the estimation information of the vehicle.
And estimating a plurality of pieces of vehicle information in batches, and further obtaining estimation information of the vehicles. And the vehicle information participating in the batch estimation is obtained corresponding estimation information.
And S303, judging whether the vehicle information meets the early warning condition.
And judging whether the vehicle information meets the early warning condition or not according to the reevaluation value in the valuation information and the vehicle loan balance in the vehicle loan information. If the vehicle information meets the early warning condition, it indicates that the vehicle information is likely to need to be estimated again, and S304 is executed; if the vehicle information does not meet the early warning condition, the early warning is not needed, and then the process is finished.
S304, whether a reevaluation request is received.
If a re-evaluation request is received, re-evaluation is required, i.e. S305 is executed; and in the case that the re-evaluation request is not received, ending.
And S305, judging whether the vehicle information meets the early warning condition again.
And updating the evaluation parameters of the vehicle and then estimating the vehicle information again. And then, judging that the vehicle information meets the early warning condition again according to the reevaluation value and the vehicle loan balance in the vehicle reevaluation information.
If the vehicle information meets the early warning condition again, early warning is needed, and S306 is executed; and judging that the vehicle information does not meet the early warning condition again, and ending.
And S306, sending early warning information of the vehicle information.
And sending early warning information of the vehicle information to prompt risks.
Referring to fig. 4, fig. 4 is a schematic diagram of a main structure of an apparatus for monitoring vehicle information according to an embodiment of the present invention, where the apparatus for monitoring vehicle information may implement a method for monitoring vehicle information, and as shown in fig. 4, the apparatus for monitoring vehicle information specifically includes:
the first evaluation module 401 is configured to evaluate vehicle information in batches to obtain evaluation information of vehicles, where the vehicle information includes vehicle loan information and vehicle state information;
a judging module 402, configured to determine that the vehicle information meets an early warning condition according to a reestimated value in the valuation information and a vehicle loan balance in the vehicle loan information;
a second evaluation module 403, configured to update the evaluation parameters of the vehicle in response to a re-evaluation request, re-evaluate the vehicle information, determine that the vehicle information satisfies the early warning condition again according to a re-evaluation value in the re-evaluation information of the vehicle and the vehicle loan balance, and send early warning information of the vehicle information.
In an embodiment of the present invention, the first evaluation module 401 is specifically configured to estimate the vehicle information in batches, starting from the staging start time of the vehicle loan, with a balance of the vehicle loan being not zero and every preset time period.
In one embodiment of the invention, the preset period of time is 180 days.
In one embodiment of the present invention, the first evaluation module 401 is specifically configured to evaluate vehicle information in batches based on a periodically updated vehicle database.
In an embodiment of the present invention, the first evaluation module 401 is specifically configured to receive the vehicle information uploaded through the perl script, and estimate the vehicle information in a batch manner.
In one embodiment of the invention, the vehicle loan information includes an installment application number, a purchase time, and a vehicle loan balance.
In one embodiment of the invention, the vehicle state information includes one or more of a car manufacturer, a car brand, a car purchase invoice price, a car frame number, a number of passing households, whether a new energy car is available, and a car type.
In one embodiment of the invention, the estimation information of the vehicle comprises a frame number, a reevaluation date, a reevaluation value and a reevaluation mortgage rate.
In one embodiment of the invention, the vehicle information comprises zero passing times and non-new energy vehicle types,
the early warning condition comprises that the ratio of the vehicle loan balance of the vehicle to the reestimated value of the vehicle is greater than a first early warning threshold value.
In one embodiment of the invention, the vehicle information comprises the number of passing households is zero and the type of the new energy vehicle,
the early warning condition comprises that the ratio of the vehicle loan balance of the vehicle to the reestimated value of the vehicle is greater than a second early warning threshold.
In one embodiment of the invention, the vehicle information comprises non-zero passing times and non-new energy vehicle types,
the early warning condition comprises that the ratio of the vehicle loan balance of the vehicle to the reestimated value of the vehicle is greater than a third early warning threshold.
In one embodiment of the invention, the vehicle information comprises non-zero passing times and new energy vehicle types,
the early warning condition comprises that the ratio of the vehicle loan balance of the vehicle to the reestimated value of the vehicle is greater than a fourth early warning threshold.
In one embodiment of the invention, the reevaluation request is determined by a monitor page that includes valuation information.
In one embodiment of the invention, the evaluation information in the monitoring page is arranged from near to far according to the reevaluation date.
In one embodiment of the invention, the vehicle's evaluation parameters include one or more of a health parameter, a maintenance parameter, a manufacturing quality parameter, an operating property parameter, and an operating condition parameter.
In one embodiment of the invention the re-estimated value of the vehicle is determined from the vehicle price, the age parameter and the assessment parameter.
In one embodiment of the invention, the vehicle price is the minimum of the factory guide price and the original purchase invoice price of the vehicle.
In one embodiment of the invention, the age parameter is determined by the age of the vehicle and the age of the vehicle.
Fig. 5 illustrates an exemplary system architecture 500 to which the method of monitoring vehicle information or the apparatus for monitoring vehicle information of the embodiments of the present invention may be applied.
As shown in fig. 5, the system architecture 500 may include terminal devices 501, 502, 503, a network 504, and a server 505. The network 504 serves to provide a medium for communication links between the terminal devices 501, 502, 503 and the server 505. Network 504 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.
The user may use the terminal devices 501, 502, 503 to interact with a server 505 over a network 504 to receive or send messages or the like. The terminal devices 501, 502, 503 may have installed thereon various communication client applications, such as shopping-like applications, web browser applications, search-like applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).
The terminal devices 501, 502, 503 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.
The server 505 may be a server providing various services, such as a background management server (for example only) providing support for shopping websites browsed by users using the terminal devices 501, 502, 503. The backend management server may analyze and perform other processing on the received data such as the product information query request, and feed back a processing result (for example, target push information, product information — just an example) to the terminal device.
It should be noted that the method for monitoring vehicle information provided by the embodiment of the present invention is generally executed by the server 505, and accordingly, the device for monitoring vehicle information is generally disposed in the server 505.
It should be understood that the number of terminal devices, networks, and servers in fig. 5 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to FIG. 6, a block diagram of a computer system 600 suitable for use with a terminal device implementing an embodiment of the invention is shown. The terminal device shown in fig. 6 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 6, the computer system 600 includes a Central Processing Unit (CPU)601 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)602 or a program loaded from a storage section 608 into a Random Access Memory (RAM) 603. In the RAM 603, various programs and data necessary for the operation of the system 600 are also stored. The CPU 601, ROM 602, and RAM 603 are connected to each other via a bus 604. An input/output (I/O) interface 605 is also connected to bus 604.
The following components are connected to the I/O interface 605: an input portion 606 including a keyboard, a mouse, and the like; an output portion 607 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 608 including a hard disk and the like; and a communication section 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the internet. The driver 610 is also connected to the I/O interface 605 as needed. A removable medium 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 610 as necessary, so that a computer program read out therefrom is mounted in the storage section 608 as necessary.
In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 609, and/or installed from the removable medium 611. The computer program performs the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 601.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor includes a first evaluation module, a determination module, and a second evaluation unit. The names of the modules do not limit the modules in a certain condition, for example, the first evaluation module is used for evaluating vehicle information in batches to obtain the evaluation information of the vehicles, and the vehicle information comprises vehicle loan information and vehicle state information ".
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise:
estimating vehicle information in batches to obtain estimation information of vehicles, wherein the vehicle information comprises vehicle loan information and vehicle state information;
determining that the vehicle information meets an early warning condition according to the reevaluation value in the valuation information and the vehicle loan balance in the vehicle loan information;
and responding to a re-evaluation request, re-evaluating the vehicle information after updating the evaluation parameters of the vehicle, determining that the vehicle information meets the early warning condition again according to the re-evaluation value in the re-evaluation information of the vehicle and the vehicle loan balance, and sending the early warning information of the vehicle information.
According to the technical scheme of the embodiment of the invention, vehicle valuation information is obtained by estimating vehicle information in batches, and the vehicle information comprises vehicle loan information and vehicle state information; determining that the vehicle information meets the early warning condition according to the reevaluation value in the valuation information and the vehicle loan balance in the vehicle loan information; and responding to the re-evaluation request, re-evaluating the vehicle information after updating the evaluation parameters of the vehicle, determining that the vehicle information meets the early warning condition again according to the re-evaluation value and the vehicle loan balance in the re-evaluation information of the vehicle, and sending the early warning information of the vehicle information. Since the validity of the vehicle credit consumed can be automatically monitored to early warn of risks, efficiency is improved and error rate is reduced.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (21)
1. A method of monitoring vehicle information, comprising:
estimating vehicle information in batches to obtain estimation information of vehicles, wherein the vehicle information comprises vehicle loan information and vehicle state information;
determining that the vehicle information meets an early warning condition according to the reevaluation value in the valuation information and the vehicle loan balance in the vehicle loan information;
and responding to a re-evaluation request, re-evaluating the vehicle information after updating the evaluation parameters of the vehicle, determining that the vehicle information meets the early warning condition again according to the re-evaluation value in the re-evaluation information of the vehicle and the vehicle loan balance, and sending the early warning information of the vehicle information.
2. The method of monitoring vehicle information of claim 1, wherein the batch of valuation vehicle information comprises:
and estimating the vehicle information in batches at preset time intervals from the starting time of the installments of the vehicle loan when the balance of the vehicle loan is not zero.
3. The method of monitoring vehicle information of claim 2, wherein the preset period of time is 180 days.
4. The method of monitoring vehicle information of claim 1, wherein the batch of valuation vehicle information comprises:
and estimating the vehicle information in batches according to the vehicle database which is updated periodically.
5. The method of monitoring vehicle information of claim 1, wherein the batch of valuation vehicle information comprises:
and receiving the vehicle information uploaded through the perl script, and estimating the vehicle information in batches.
6. The method of monitoring vehicle information according to claim 1, wherein the vehicle loan information includes an installment application number, a purchase time, and a vehicle loan balance.
7. The method of monitoring vehicle information according to claim 1, wherein the vehicle status information includes one or more of a car manufacturer, a car brand, a car purchase invoice price, a car frame number, a number of passing households, whether a new energy vehicle is available, and a vehicle type.
8. The method of monitoring vehicle information according to claim 1, wherein the estimation information of the vehicle includes a frame number, a reevaluation date, a reevaluation value, and a reevaluation mortgage rate.
9. The method of monitoring vehicle information according to claim 1 or 2, wherein the vehicle information includes a number of passing households that is zero and a non-new energy vehicle type,
the early warning condition comprises that the ratio of the vehicle loan balance of the vehicle to the reestimated value of the vehicle is greater than a first early warning threshold value.
10. The method for monitoring vehicle information according to claim 1 or 2, wherein the vehicle information includes a number of passing households of zero and a new energy vehicle type,
the early warning condition comprises that the ratio of the vehicle loan balance of the vehicle to the reestimated value of the vehicle is greater than a second early warning threshold.
11. The method for monitoring vehicle information according to claim 1 or 2, wherein the vehicle information includes a non-zero number of passing households and a non-new energy vehicle type,
the early warning condition comprises that the ratio of the vehicle loan balance of the vehicle to the reestimated value of the vehicle is greater than a third early warning threshold.
12. The method for monitoring vehicle information according to claim 1 or 2, wherein the vehicle information includes a non-zero number of passing households and a new energy vehicle type,
the early warning condition comprises that the ratio of the vehicle loan balance of the vehicle to the reestimated value of the vehicle is greater than a fourth early warning threshold.
13. The method of monitoring vehicle information according to claim 1 or 2, wherein the reevaluation request is determined by a monitoring page including valuation information.
14. The method of monitoring vehicle information according to claim 13, wherein the evaluation information in the monitoring page is arranged in order of near to far by the reestimation date.
15. The method of monitoring vehicle information according to claim 1 or 2, wherein the evaluation parameters of the vehicle include one or more of a technical condition parameter, a maintenance parameter, a manufacturing quality parameter, an operational property parameter, and an operational condition parameter.
16. The method of monitoring vehicle information of claim 1, wherein the reestimated value of the vehicle is determined from a vehicle price, an age parameter, and the evaluation parameter.
17. The method of monitoring vehicle information of claim 16, wherein the vehicle price is a minimum of a factory guide price and an original purchase invoice price for the vehicle.
18. The method of monitoring vehicle information of claim 16, wherein the age parameter is determined by a used age of the vehicle and a depreciation age of the vehicle.
19. An apparatus for monitoring vehicle information, comprising:
the system comprises a first evaluation module, a second evaluation module and a third evaluation module, wherein the first evaluation module is used for evaluating vehicle information in batches to obtain the evaluation information of vehicles, and the vehicle information comprises vehicle loan information and vehicle state information;
the judging module is used for determining that the vehicle information meets the early warning condition according to the reestimated value in the valuation information and the vehicle loan balance in the vehicle loan information;
and the second evaluation module is used for responding to a re-evaluation request, re-evaluating the vehicle information after updating the evaluation parameters of the vehicle, determining that the vehicle information meets the early warning condition again according to the re-evaluation value and the vehicle loan balance in the re-evaluation information of the vehicle, and sending the early warning information of the vehicle information.
20. An electronic device for monitoring vehicle information, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-18.
21. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out the method according to any one of claims 1-18.
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