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A vehicle risk identification method and device

A discrimination method and vehicle technology, which are applied in the field of vehicle risk discrimination methods and devices to achieve business innovation, reduce sensitive factors, and improve asset quality.

Active Publication Date: 2022-05-10
优必爱信息技术(北京)有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] In order to overcome at least to a certain extent the problem in the related art that the inaccurate clustering results of the car's frequent stop points affect the risk judgment of the car, this application provides a method and device for judging the risk of the car

Method used

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  • A vehicle risk identification method and device
  • A vehicle risk identification method and device
  • A vehicle risk identification method and device

Examples

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Embodiment Construction

[0052] Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numerals in different drawings refer to the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with this application. Rather, they are merely examples of apparatuses and methods consistent with aspects of the present application as recited in the appended claims.

[0053] figure 1 It is a flow chart of a vehicle risk discrimination method according to an exemplary embodiment, refer to figure 1 , the method includes:

[0054] 101. Collecting vehicle driving information, and performing preprocessing on the vehicle driving information;

[0055] 102. Carry out risk discrimination on the vehicle according to the preprocessed vehicle driving informati...

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Abstract

The present application relates to a vehicle risk identification method and device, the method comprising: collecting vehicle driving information, and performing preprocessing on the vehicle driving information; performing risk identification on the vehicle according to the preprocessed vehicle driving information. The technical solution provided by this application realizes the real-time monitoring of vehicle location information, effectively implements pre-loan risk review, loan risk early warning, improves the asset quality of auto loans, and provides new risk control means for modern auto finance .

Description

technical field [0001] The present application relates to the technical field of automobile financial risk assessment, in particular to a vehicle risk identification method and device. Background technique [0002] The rapid growth of auto consumption, younger consumers and changes in consumption concepts have led to the continuous growth of my country's auto finance market. The huge market means that risk control and post-loan management of auto finance are more critical. The traditional auto finance risk control model with limited repayment capacity can no longer meet the needs of the new era. The development of intelligent vehicle networking technology provides a technical basis for collecting vehicle status and driving behavior data. [0003] In related technologies, K-means clustering is used to obtain the constant stop points of cars. The start and end points are based on the city level but the range is too large, and considering the sensitivity of the cluster model to...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q40/02G06K9/62G06F16/29
CPCG06F16/29G06Q40/03G06F18/23213
Inventor 王志刚朱瑞
Owner 优必爱信息技术(北京)有限公司
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