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Early warning system and method for car loan fraud aggregation

A collection system and vehicle technology, applied in radio wave measurement systems, satellite radio beacon positioning systems, data processing applications, etc., can solve the problems of financial institutions such as economic risks, and achieve the effect of reducing economic risks

Active Publication Date: 2019-12-24
山东瑟威思金融软件服务外包有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

However, this patent and the existing monitoring and early warning methods cannot realize the monitoring and early warning of gang fraud, resulting in financial institutions still having economic risks

Method used

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  • Early warning system and method for car loan fraud aggregation
  • Early warning system and method for car loan fraud aggregation
  • Early warning system and method for car loan fraud aggregation

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Experimental program
Comparison scheme
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Embodiment 1

[0030] Embodiment 1: see figure 1 , the present embodiment provides an early warning system for loan vehicle fraud aggregation, including a driving data collection system, a GPRS wireless network, and a vehicle checking platform service system that communicates with the driving data collection system through the GPRS wireless network, and the driving data collection system It includes a GPS satellite positioning device and a network communication module electrically connected to the GPS satellite positioning device. The GPS satellite positioning device is used to collect driving information in real time, and the GPS satellite positioning device transmits the collected driving information to the network communication module. The above network communication module transmits the driving information to the vehicle checking platform service system through the GPRS wireless network, and the vehicle checking platform service system includes a wireless network receiving device for rece...

Embodiment 2

[0032] Embodiment 2: This embodiment provides an early warning method for loan vehicle fraud aggregation, using the early warning system for loan vehicle fraud aggregation described in Embodiment 1, see figure 2 , with the following steps:

[0033] Step 1: Through the GPS satellite positioning device installed in the vehicle body, real-time collection of the vehicle's driving latitude and longitude coordinate information and driving communication time information, and send the driving information to the vehicle inspection platform service system through the GPRS wireless network for processing; the vehicle inspection platform service system The wireless network receiving device in the system transmits the collected driving information to the LBS database for storage and processing, and obtains the working status of the GPS satellite positioning device and the information of the driving stop points through the driving information. time, length of stay.

[0034] The stay locat...

Embodiment 3

[0036] Embodiment 3: The early warning method for loan vehicle fraud aggregation provided by this embodiment adopts the early warning system for loan vehicle fraud aggregation described in embodiment 1, and its technical solution is basically the same as that of embodiment 2, and its distinguishing feature is that In step 2, when judging the aggregation range and the number of vehicles, the location address is also used to find sensitive words to assist in the interpretation. The sensitive words are "auto repair", or "auto maintenance", or "auto transaction", or " Quick car repair."

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Abstract

The invention relates to a loan vehicle fraud aggregation early warning system and method. Driving information, including driving latitude and longitude coordinate information and driving communication time information, of an automobile is acquired in real time through a GPS satellite positioning device installed in the automobile and the information is transmitted to a network communication module, and the information is transmitted to an automobile inspection platform service system to be processed through a GPRS wireless network; the driving information is analyzed through an LBS database, and the possibility of fraud aggregation is judged according to the driving latitude and longitude coordinates of the automobile, the aggregation range of the automobile, the aggregation time and duration of the automobile and the working state of the GPS satellite positioning device so that early warning information is formed and the early warning content is pushed; besides, sensitive words like "automobile repair" are also found through address inquiring to assist judgment so that financing institutions are enabled to perform multi-aspect detection and analysis on the loan automobile, the accuracy of analysis can be realized, the dangerous automobiles are focused in advance, real-time monitoring and real-time early warning of loan vehicle fraud aggregation can be performed and thus the economic risk can be reduced.

Description

technical field [0001] The invention belongs to the technical field of vehicle early warning, and in particular relates to an early warning system and method for loan vehicle fraud aggregation, which is mainly used for real-time monitoring and real-time alarm of loan vehicle fraud aggregation. Background technique [0002] With the progress of society and the rapid development of economy, more and more people start to own their own cars. However, at present, cars are still high-end consumer goods for many families, and the high price makes more and more people buy them with mortgage loans, which reduces the financial burden of buyers to a certain extent. In order to prevent some car owners from maliciously failing to repay the loan or not being able to pay the loan and causing economic risks, financial institutions usually adopt the method of installing GPS positioning on the mortgaged vehicle, and monitor the mortgaged vehicle through the GPS positioning system for early wa...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q40/02G01S19/42G01S19/03
CPCG01S19/03G01S19/42G06Q50/26
Inventor 吴泳
Owner 山东瑟威思金融软件服务外包有限公司
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