Automobile financial risk control method based on internet of things and environmental perception

Abstract

The invention discloses an automobile financial risk control method based on internet of things and environmental perception, and relates to the financial field. Particularly, an information center acquires weather condition grade and current road information, and calculates position offset through a preset locking zone; a vehicle-mounted terminal judges according to a vehicle mortgage parameter.If the vehicle type is mortgage vehicle, the vehicle mortgage parameter, the vehicle running condition, and weather condition grade are integrated; the position offset and current road information sending command can perform grading locking control on the vehicle power node. The invention has the beneficial effects that the automobile financial risk control method has the advantages of strong coupling property of a finished automobile, high safety and compatibility of different energy trucks, and others; when the vehicle is performed with grading locking control, the vehicle running condition,weather condition grade, current road information and other factors are considered; on the basis of guaranteeing safety, a set of reasonable remote locking control plan is formulated; on the basis ofguaranteeing the economic efficiency, the function demand of financial risk control to the mortgage vehicle is satisfied.

Description

technical field [0001] The present invention relates to the financial field, and more specifically refers to a risk control method for automobile finance based on the Internet of Things and environmental perception. Background technique [0002] At present, the continuous advancement of China's urbanization process, the continuous heating up of the tourism market and the rapid development of high-grade road networks have brought huge market opportunities to various bus manufacturers. When automobile products are used as means of production, customers will invest in production and operation activities according to specific uses to obtain benefits. In order to recover costs as soon as possible, increase profits, and ensure that automobile products are put into actual production and operation activities as soon as possible, many customers will choose to purchase by way of mortgage loans, which naturally comes with the problem of automobile financial risk control. Traditional a...

AI Technical Summary

Problems solved by technology

Traditional auto finance risk control methods, such as installing a positioning monitoring terminal on the car, are easily shielded, dismantled, or damaged due to the weak coupling relationship with the entire vehicle. When a customer defaults on a lawsuit, it is easy to win the lawsuit and difficult to enforce. The cost is high, there are also risks in personal safety and other aspects, and it is extremely unfavorable to the maintenance and management of customer relationships

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