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Vehicle value evaluation method based on Internet public data

A technology for public data and value evaluation, applied in the field of Internet finance, it can solve the problems of difficult data collection, difficulty in ensuring high coverage, and inability to evaluate

Pending Publication Date: 2021-03-16
SICHUAN XW BANK CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The existing solutions mainly provide real prices through real data, and can establish accurate, transparent, and fast car valuation methods, but the disadvantages are also obvious. Due to the limitation of car dealers' data sources, this method based on each car For the valuation of a car, it is difficult to ensure that the data of each car is collected into the database; it is difficult to ensure high coverage; this also leads to the inability to value each car

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  • Vehicle value evaluation method based on Internet public data
  • Vehicle value evaluation method based on Internet public data
  • Vehicle value evaluation method based on Internet public data

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Embodiment Construction

[0060] In order to make the purpose, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only It is a part of the embodiments of this application, not all of them. The components of the embodiments of the application generally described and illustrated in the figures herein may be arranged and designed in a variety of different configurations. Accordingly, the following detailed description of the embodiments of the application provided in the accompanying drawings is not intended to limit the scope of the claimed application, but merely represents selected embodiments of the application. Based on the embodiments of the present application, all other embodiments obtained by those skilled in the art without...

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Abstract

The invention discloses a vehicle value evaluation method based on Internet public data, belongs to the technical field of Internet finance, and solves the problems that due to the limitation of a vehicle merchant data source, it is difficult to ensure that data of each vehicle is collected into a database, each vehicle cannot be subjected to value evaluation, services cannot be provided for all vehicle loan services. Internet new vehicle data and second-hand vehicle data are collected, multi-source heterogeneous data are processed into structured data, matching degree scoring is carried out on candidate set data by adopting a BLEU and levenshtein distance method, an optimal result is obtained through matching. A fusion model combining a LightGBM model, a DeepFM model and a traditional rule model is adopted for evaluating the prices of a new vehicle and a second-hand vehicle, the ultrahigh coverage rate of all vehicles is achieved, and the value of each vehicle can be evaluated.

Description

technical field [0001] The present invention relates to the technical field of Internet finance, in particular to a vehicle value evaluation method based on Internet public data Background technique [0002] Data-driven smart bank to practice inclusive finance. With the rapid development of science and technology, relying on big data and artificial intelligence technology, banks will become more and more unbounded and intelligent. Financial services will go beyond physical boundaries, provide people with financial services anytime and anywhere, and will be more deeply integrated into various life scenarios such as basic necessities of life. From China's mobile payment, it can be seen that the business volume has increased by almost 40 times from 2013 to 2018. In the foreseeable future, finance will conveniently serve every corner of life; moreover, banks will become more intelligent, from every A bank's business operations, decision-making risk control, and every financial...

Claims

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Application Information

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IPC IPC(8): G06Q30/02G06Q10/06G06F16/951G06F16/215
CPCG06Q10/067G06Q30/0206G06F16/215G06F16/951
Inventor 陈思成翟恩荣何思佑李开宇丁隆耀
Owner SICHUAN XW BANK CO LTD
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