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A vehicle financial credit granting method and device

A vehicle and financial technology, applied in the field of data processing, can solve problems such as simplicity, failure to meet user needs, low matching degree between credit data and user repayment ability, and achieve the effect of improving user experience and high matching degree

Active Publication Date: 2020-12-04
BEIJING TRANWISEWAY INFORMATION TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, due to the lack of past credit records of new users, effective credit cannot be given to new users, and since the credit data of vehicles is determined only based on the value of the vehicle and past credit records, the matching degree between credit data and user repayment ability lower
Therefore, the existing financial credit method is too simple to meet the needs of users

Method used

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  • A vehicle financial credit granting method and device
  • A vehicle financial credit granting method and device
  • A vehicle financial credit granting method and device

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0021] figure 1 It is a flowchart of a vehicle financial credit granting method provided in Embodiment 1 of the present invention. The method of this embodiment can be executed by the vehicle financial credit authorization device, and the device can be realized by means of hardware and / or software. refer to figure 1 , the vehicle financial credit method provided in this embodiment may specifically include the following:

[0022] Step 11. Obtain the static data of the commercial vehicles.

[0023] In this embodiment, the static data of the commercial vehicle may include the vehicle model, brand, load, fuel consumption per kilometer of the vehicle at different speeds per hour, fuel prices in different regions, fuel type required by the vehicle, maintenance per kilometer, tire wear per kilometer , the number of axles of the vehicle, the number of tires and the total mass of the vehicle. In addition, you can also obtain the national expressway toll standard.

[0024] Step 12....

Embodiment 2

[0039] This embodiment provides a new vehicle financial credit method on the basis of the first embodiment above. figure 2 It is a flowchart of a vehicle financial credit granting method provided in Embodiment 2 of the present invention. refer to figure 2 , the vehicle financial credit method provided in this embodiment may specifically include the following:

[0040] Step 21. Obtain the static data of the commercial vehicles.

[0041] Step 22. Determine the operating parameters of the operating vehicle according to the driving trajectory of the operating vehicle;

[0042]Step 23: Determine the operating cost of the operating vehicle according to the static data of the operating vehicle, operating parameters and a pre-built cost calculation model.

[0043] The operating costs mentioned therein include fuel costs, maintenance costs, wear and tear depreciation costs, highway costs and insurance costs.

[0044] Step 24: Determine the credit data of the commercial vehicle ac...

Embodiment 3

[0054] This embodiment provides a vehicle financial credit device. image 3 It is a structural diagram of a vehicle financial credit device provided in Embodiment 3 of the present invention, as shown in image 3 As shown, the vehicle financial credit device may include:

[0055] Static data acquisition module 31, used to acquire static data of commercial vehicles;

[0056] An operating parameter determination module 32, configured to determine the operating parameters of the operating vehicle according to the travel trajectory of the operating vehicle;

[0057] The operating cost determination module 33 is used to determine the operating cost of the operating vehicle according to the static data of the operating vehicle, operating parameters and a pre-built cost calculation model, wherein the operating cost includes fuel costs, maintenance costs, wear and tear depreciation tolls, highway tolls and insurance premiums;

[0058] The credit data determination module 34 is confi...

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PUM

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Abstract

Embodiments of the invention disclose a financial credit method and device for vehicles. The method comprises the following steps of: obtaining static data of an operation vehicle; determining operation parameters of the operation vehicle according to a traveling track of the operation vehicle; determining an operation cost of the operation vehicle according to the static data and operation parameters of the operation vehicle and a pre-constructed cost calculation model, wherein the operation cost comprises an oil cost, a maintenance cost, an abrasion and depreciation cost, a highway toll fee and an insurance expense; and determining credit data of the operation vehicle according to the operation cost of the operation vehicle. According to the method and device provided by the embodiments of the invention, the credit data is determined according to the operation cost, so that the matching degree between the credit data and loan repayment abilities of users is improved, and the user experience is enhanced.

Description

technical field [0001] The embodiments of the present invention relate to the technical field of data processing, and in particular to a vehicle financial credit granting method and device. Background technique [0002] The big data of the Internet of Vehicles has been widely used in logistics, finance and insurance and other fields, and one of the most urgent and easy-to-implement methods is the application of financial credit. [0003] The existing vehicle financial credit granting method mainly determines the credit data of the vehicle based on the value of the vehicle and the past credit records of the user to which the vehicle belongs. However, due to the lack of past credit records of new users, effective credit cannot be given to new users, and since the credit data of vehicles is determined only based on the value of the vehicle and past credit records, the matching degree between credit data and user repayment ability lower. Therefore, the existing financial credi...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q40/08G06Q10/06
CPCG06Q10/0639G06Q40/08
Inventor 张博李旭阳肖赞
Owner BEIJING TRANWISEWAY INFORMATION TECH