Second-hand car information risk assessment system and method based on big data

Abstract

The invention relates to the technical field of second-hand car information risk management, and discloses a second-hand car information risk assessment system and method based on big data, and the system comprises a second-hand car information collection management module, a second-hand car information grade analysis module, and a second-hand car information risk assessment and push module. Identifying the professional level of the hardware configuration of the second-hand car identification institution by adopting the professional degree parameter of the hardware configuration of the second-hand car identification institution and the professional level parameter corresponding to the professional degree of the hardware configuration of the second-hand car identification institution, and scientifically analyzing the professional level parameter of the hardware configuration of the second-hand car identification institution; and identification mechanism service quality grade identification processing is carried out based on the second-hand vehicle identification mechanism service satisfaction parameters and the second-hand vehicle identification mechanism service satisfaction corresponding service quality grade parameters, and the second-hand vehicle identification mechanism service quality grade parameters are accurately analyzed. Therefore, intelligent evaluation of the hardware configuration level and the authentication service quality level of the second-hand car authentication mechanism is realized.

Description

Technical Field

[0001] The present invention relates to the technical field of used car information risk management, and in particular to a used car information risk assessment system and method based on big data. Background Art

[0002] The main contents of used car transactions include: pre-assessment work for used car evaluation, technical condition appraisal, consignment, replacement business, price evaluation, and transaction practice. The main procedures include vehicle procedures, vehicle maintenance and repair procedures, and tax procedures. With the development and popularization of the automobile business, used car transactions have a broad market. The development of used cars helps consumers buy the cars they need at a reasonable price. Compared with new cars, used cars are more complicated in terms of vehicle condition and vehicle ownership. How to obtain real identification information of used cars and provide consumers with real and reliable information on the condition of used cars is a very important and urgent problem to be solved. Currently, consumers cannot accurately and efficiently assess the risk level of used car identification information, which increases the risk of consumers being defrauded when purchasing used cars.

[0003] A Chinese invention patent application with publication number CN114742585A discloses a used car evaluation system, which realizes online verification of customer identity, online authentication of owner identity, convenient online query of sales vehicle information, accurate acquisition of vehicle maintenance information, and intelligent evaluation of vehicle information and maintenance information to generate an evaluation report by comprehensively setting up an identity authentication module, an owner authentication module, a vehicle information query module, a maintenance information query module and an evaluation module of a customer terminal. However, the above technical solution can only summarize and output vehicle information, but cannot perform risk assessment on vehicle identification information, and cannot help customers accurately identify potential risk information of used cars. Summary of the invention

[0004] 1. Technical issues to be resolved In order to solve the problem that current consumers are unable to accurately and efficiently assess the risk level of used car identification information, which increases the risk of consumers being defrauded when purchasing used cars, the above purpose is to efficiently collect used car identification information, accurately obtain information on used car identification agencies, scientifically analyze the hardware configuration level of used car identification agencies, accurately analyze the service quality level of used car identification agencies, and intelligently assess the risk level of used car identification information.

[0005] (II) Technical solution The present invention is implemented by the following technical solution: a second-hand car information risk assessment method based on big data, the method comprising the following steps: S1. Collecting text feature data of second-hand car identification; S2, searching for identification agency information based on the used car identification text feature data, generating used car identification agency feature data and performing identification agency identification hardware configuration and identification service review information retrieval, and constructing used car identification agency hardware configuration data and used car identification service review data; S3, performing hardware configuration matching processing of the second-hand car appraisal institution based on the hardware configuration data of the second-hand car appraisal institution and the standard hardware configuration data of the second-hand car appraisal institution, constructing the standard hardware configuration matching result data of the second-hand car appraisal institution and calculating the hardware configuration professionalism data of the second-hand car appraisal institution; S4, performing identification processing of the hardware configuration professional level of the second-hand car appraisal institution based on the hardware configuration professional level data of the second-hand car appraisal institution and the professional level data corresponding to the hardware configuration professional level of the second-hand car appraisal institution, and generating the hardware configuration professional level identification result data of the second-hand car appraisal institution; S5, performing matching processing on the appraisal agency's positive service reviews based on the second-hand car appraisal service review data and the second-hand car appraisal agency's service review positive vocabulary data, constructing the second-hand car appraisal agency's positive service review matching result data and calculating the second-hand car appraisal agency's service satisfaction data; S6, performing identification processing of the service quality level of the appraisal institution based on the service satisfaction data of the second-hand car appraisal institution and the service quality level data corresponding to the service satisfaction of the second-hand car appraisal institution, and generating identification result data of the service quality level of the second-hand car appraisal institution; S7. Analyze and process the information risk level of the appraisal agency based on the identification result data of the professional level of the hardware configuration of the used car appraisal agency, the identification result data of the service quality level of the used car appraisal agency, and the risk level data corresponding to the professional level of the hardware configuration of the used car appraisal agency and the service quality level, construct the information risk level assessment result data of the used car appraisal agency and push it to the mobile client.

[0006] Preferably, the steps for collecting the second-hand car identification text feature data are as follows: S11. Scan and collect used car identification documents online through mobile terminals combined with image-text conversion software and generate used car identification text feature data The mobile terminal includes any one of a smart phone and a tablet computer, the image-to-text conversion software includes any one of a fast text recognition software and an AI recognition king, and the used car appraisal text feature data represents the text feature data of the vehicle appraisal result issued by a used car appraisal agency.

[0007] Preferably, the steps of searching for identification agency information based on the second-hand car identification text feature data, generating second-hand car identification agency feature data, performing identification agency identification hardware configuration and identification service review information retrieval, and constructing second-hand car identification agency hardware configuration data and second-hand car identification service review data are as follows: S21. Using the BERT language model in the second-hand car identification text feature data Combine the name keywords to search for the characteristic information of the used car appraisal agency and generate the characteristic data of the used car appraisal agency , the used car appraisal agency characteristic data includes the name, enterprise code and address of the used car appraisal agency; S22, using a unified price search algorithm based on the characteristic data of the second-hand car appraisal agency Combine the hardware configuration keywords and the appraisal service review keywords to retrieve the appraisal hardware configuration and appraisal service review information of specific used car appraisal institutions on the Internet platform, and generate the hardware configuration data set of used car appraisal institutions respectively. , ;in Indicates the retrieved Hardware configuration data of used car appraisal institutions, Indicates the maximum value of the number of hardware configuration data of a used car appraisal institution, wherein the hardware configuration data of the used car appraisal institution indicates configuration parameters of hardware equipment and configuration parameters of professionals of the appraisal institution; Generate a used car appraisal service review data set , ;in Indicates the retrieved Used car appraisal service review data, Indicates the maximum value of the number of used car appraisal service review data, wherein the used car appraisal service review data represents the customer's evaluation information on the service quality of a specific appraisal agency.

[0008] Preferably, the steps of performing hardware configuration matching processing on the second-hand car appraisal institution based on the hardware configuration data of the second-hand car appraisal institution and the standard hardware configuration data of the second-hand car appraisal institution, constructing the matching result data of the standard hardware configuration of the second-hand car appraisal institution and calculating the professional degree data of the hardware configuration of the second-hand car appraisal institution are as follows: S31. Establish a standard hardware configuration data set for used car appraisal institutions , ;in Indicates Standard hardware configuration data of used car appraisal institutions, Indicates the maximum value of the number of standard hardware configuration data of a used car appraisal institution, wherein the standard hardware configuration data of a used car appraisal institution indicates the hardware equipment configuration parameters and professional personnel configuration parameters of a standard used car appraisal institution; S32: The hardware configuration data of the second-hand car appraisal institution is collected Hardware configuration data of used car appraisal institutions in China The hardware configuration data set of the second-hand car appraisal institution is ordered according to the hardware configuration data number of the second-hand car appraisal institution. Standard hardware configuration data of used car appraisal institutions in China Perform hardware configuration character matching to search for hardware configuration data that matches the second-hand car appraisal agency Standard hardware configuration data of used car appraisal institutions with the same hardware configuration parameters , perform a search for the hardware configuration data of the second-hand car appraisal agency Standard hardware configuration data of used car appraisal institutions with the same hardware configuration parameters The specific steps are as follows: S321, initializing hardware configuration to search the number of elephant population clans n, and setting the maximum number of iterations T; S322, using the fitness function to calculate the fitness value of each hardware configuration search elephant individual, that is, to calculate the standard hardware configuration data set of the second-hand car appraisal agency Standard hardware configuration data of used car appraisal institutions in China Hardware configuration data with used car appraisal institutions The fitness value of the current best hardware configuration is obtained by searching the individual elephant position, that is, the hardware configuration data of the second-hand car appraisal agency is obtained. The most matching second-hand car appraisal agency standard hardware configuration data Standard hardware configuration data collection in used car appraisal institutions Position in the search space; S323, update the position of each hardware configuration search elephant individual in the population, the hardware configuration search elephant position update formula is: ,in Indicated in Hardware configuration search elephant individuals in iterations Search for the leader of the elephant clan relative to the hardware configuration Standard hardware configuration data collection in used car appraisal institutions Position in the search space; Indicated in Hardware configuration search elephant individuals in iterations Search for the leader of the elephant clan relative to the hardware configuration Standard hardware configuration data collection in used car appraisal institutions Position in the search space; Indicates hardware configuration search elephant individual Search for the leader of the elephant clan relative to the hardware configuration Standard hardware configuration data collection in used car appraisal institutions The best position in the search space, that is, the hardware configuration data of the second-hand car appraisal agency The most matching second-hand car appraisal agency standard hardware configuration data In the corresponding second-hand car appraisal agency standard hardware configuration data set The position in the search space, Indicates that the value is The position influence factor, Represents the hardware configuration to search for the leader of the elephant clan Search for individual elephants on hardware configuration The position influence factor, Indicates value Random number; Update the current best hardware configuration to search for the position of the elephant individual. The best hardware configuration to search for the position of the elephant individual is updated as follows: ,in The value is The center position influence coefficient, Represents the hardware configuration to search for the leader of the elephant clan The influence coefficient of the center position of the individual elephant in the search of the entire hardware configuration, Represents the entire hardware configuration search elephant population individual in the hardware configuration search elephant population clan leader The central position of the elephant population under the influence of hardware configuration search The hardware configuration search elephant individual in the standard hardware configuration data set of the second-hand car appraisal agency Position in the search space; S324, calculate the fitness value of each hardware configuration search elephant individual after the update, analyze the hardware configuration search elephant population, and obtain the best and worst hardware configuration search elephant individual positions of the updated hardware configuration search elephant population, that is, in the standard hardware configuration data set of the second-hand car appraisal agency The search space analyzes the hardware configuration data of used car appraisal institutions The most matching second-hand car appraisal agency standard hardware configuration data and the location of the least matching used car appraisal agency standard hardware configuration data; S325, update the current worst hardware configuration search elephant individual location, that is, in the second-hand car appraisal agency standard hardware configuration data set Update and hardware configuration data of used car appraisal institutions in search space The most mismatched second-hand car appraisal agency standard hardware configuration data The position of the elephant is updated with the worst hardware configuration, and the formula for searching the individual position of the elephant is: ,in Indicates hardware configuration search elephant individual Search for the leader of the elephant clan relative to the hardware configuration Standard hardware configuration data collection in used car appraisal institutions The worst position in the search space, and Represents the standard hardware configuration data set of used car appraisal institutions Upper and lower bounds of the search space; Indicates value Random function; retain the best hardware configuration to search for the individual position of the elephant, that is, retain the hardware configuration data of the second-hand car appraisal agency The most matching second-hand car appraisal agency standard hardware configuration data location; S326. When the maximum number of iterations is met, the hardware configuration data of the second-hand car appraisal agency is output. The most matching second-hand car appraisal agency standard hardware configuration data , otherwise, repeat step S322 until the maximum number of iterations is met; S33, the hardware configuration data of the second-hand car appraisal institution output in step S326 Matching the standard hardware configuration data of used car appraisal institutions The logo is constructed as a data set of standard hardware configuration matching results of used car appraisal institutions , ,in Indicates The standard hardware configuration matching result data of used car appraisal institutions, Indicates The standard hardware configuration matching result data of used car appraisal institutions; S34, matching result data set according to the standard hardware configuration of the second-hand car appraisal institution The standard hardware configuration matching result data of the second-hand car appraisal institution is used to measure the number of standard hardware configuration matching results of the second-hand car appraisal institution ; Match the number of results of the standard hardware configuration of the second-hand car appraisal agency The hardware configuration data is consistent with the standard of the second-hand car appraisal agency Total quantity Perform numerical quotient processing to generate professional data on hardware configuration of used car appraisal institutions .

[0009] Preferably, based on the second-hand car appraisal institution hardware configuration professional degree data and the second-hand car appraisal institution hardware configuration professional degree corresponding professional level data, the identification process of the appraisal institution hardware configuration professional level is performed to generate the second-hand car appraisal institution hardware configuration professional level identification result data as follows: S41. Establish a data set corresponding to the professional level of hardware configuration of used car appraisal institutions ,in Indicates the data range of the hardware configuration professionalism of used car appraisal institutions corresponding to the first-level hardware configuration professionalism of used car appraisal institutions. and Indicates the left and right end values ​​of the hardware configuration professionalism data range of the used car appraisal agency; Indicates the data range of the hardware configuration professionalism of the second-hand car appraisal agency corresponding to the second-level hardware configuration professionalism level of the second-hand car appraisal agency. and Indicates the left and right end values ​​of the hardware configuration professionalism data range of the used car appraisal agency; Indicates the data range of the hardware configuration professionalism of used car appraisal institutions corresponding to the third level of hardware configuration professionalism of used car appraisal institutions. and Indicates the left and right end values ​​of the hardware configuration professionalism data range of the used car appraisal agency; S42, using a two-way search algorithm to search the hardware configuration professionalism data of the second-hand car appraisal agency A professional grade data set corresponding to the professionalism of hardware configuration of used car appraisal institutions The hardware configuration professionalism data of the second-hand car appraisal institution in the second-hand car appraisal institution hardware configuration professionalism data interval is numerically matched to search for the hardware configuration professionalism data of the second-hand car appraisal institution The corresponding hardware configuration professional level of the second-hand car appraisal agency is marked and generated as the result data of the hardware configuration professional level identification of the second-hand car appraisal agency ; The possible values ​​include any one of level one, level two and level three; the professional level of hardware configuration corresponding to level one, level two and level three decreases in sequence.

[0010] Preferably, the steps of matching the appraisal agency's positive service reviews with the second-hand car appraisal service review data and the second-hand car appraisal agency's service review positive vocabulary data, constructing the second-hand car appraisal agency's positive service review matching result data and calculating the second-hand car appraisal agency's service satisfaction data are as follows: S51. Establish a data set of positive words for service reviews of used car appraisal institutions , ;in Indicates Second-hand car appraisal agency service review positive vocabulary data, Indicates the maximum value of the number of positive word data for service reviews of used car appraisal institutions, wherein the positive word data for service reviews of used car appraisal institutions represent word data of customers' positive comments on the service quality of a specific appraisal institution; S52, using an iterative bidirectional search algorithm to collect the second-hand car appraisal service review data set Second-hand car appraisal service review data The used car appraisal service review data is sorted according to the second-hand car appraisal service review data number and the second-hand car appraisal agency service review positive vocabulary data set Data on positive vocabulary of service reviews of used car appraisal institutions in China Perform character matching on service reviews to search for positive vocabulary data containing the service reviews of the used car appraisal agency The second-hand car appraisal service review data And identify and generate a matching result data set of second-hand car appraisal agency affirmative service reviews , ,in Indicates A used car appraisal agency confirmed the service review matching result data, Indicates A used car appraisal agency confirmed that the service review matched the result data; S53, confirming the service review matching result data set according to the second-hand car appraisal agency The second-hand car appraisal agency positive service review matching result data in the second-hand car appraisal agency positive service review matching result number is measured ; The number of matching results of the second-hand car appraisal agency's positive service reviews Data related to reviews of used car appraisal services Total quantity Perform numerical quotient processing to generate service satisfaction data of used car appraisal institutions .

[0011] Preferably, the steps of performing identification processing of the service quality level of the appraisal institution based on the service satisfaction data of the second-hand car appraisal institution and the service quality level data corresponding to the service satisfaction of the second-hand car appraisal institution and generating the identification result data of the service quality level of the second-hand car appraisal institution are as follows: S61. Establish a data set of service quality levels corresponding to service satisfaction of used car appraisal institutions ,in It indicates the service satisfaction data interval of used car appraisal institutions corresponding to the service quality level of used car appraisal institutions being level one. and Indicates the left and right end values ​​of the service satisfaction data range of used car appraisal institutions; It indicates the service satisfaction data interval of used car appraisal institutions corresponding to the second-level service quality level of used car appraisal institutions. and Indicates the left and right end values ​​of the service satisfaction data range of used car appraisal institutions; It indicates the service satisfaction data interval of used car appraisal institutions corresponding to the service quality level of the third level. and Indicates the left and right end values ​​of the service satisfaction data range of used car appraisal institutions; S62, using a two-way search algorithm to search the service satisfaction data of the second-hand car appraisal agency A data set of service quality levels corresponding to the service satisfaction of used car appraisal institutions The second-hand car appraisal agency service satisfaction data in the second-hand car appraisal agency service satisfaction data interval are numerically matched to search for the second-hand car appraisal agency service satisfaction data The corresponding second-hand car appraisal agency service quality level is marked and generated as the second-hand car appraisal agency service quality level identification result data ; The value can be any one of level 1, level 2, and level 3, where the corresponding service quality levels decrease in sequence.

[0012] Preferably, the steps of analyzing and processing the risk level of the identification institution information according to the identification result data of the professional level of the hardware configuration of the second-hand car identification institution, the identification result data of the service quality level of the second-hand car identification institution, and the risk level data corresponding to the professional level of the hardware configuration of the second-hand car identification institution and the service quality level, constructing the evaluation result data of the information risk level of the second-hand car identification institution and pushing it to the mobile client are as follows: S71. Establish a data set of risk levels corresponding to hardware configuration professional level and service quality level of used car appraisal institutions ,in Indicates the professional level identification result data of the hardware configuration of the second-hand car appraisal agency The third level, the second-hand car appraisal agency service quality level identification result data When it is level three, the corresponding risk level data of the second-hand car appraisal agency is high risk, and high risk means that the appraisal documents of the second-hand car appraisal agency have a probability of being forged greater than 80% to 90%; Indicates the professional level identification result data of the hardware configuration of the second-hand car appraisal agency The identification result data of the service quality level of the second-hand car appraisal agency is level 1 When it is level 2, the corresponding risk level data of the second-hand car appraisal agency is medium risk, and medium risk means that the appraisal documents of the second-hand car appraisal agency have a probability of 55% to 60% of being forged; Indicates the professional level identification result data of the hardware configuration of the second-hand car appraisal agency The identification result data of the service quality level of the second-hand car appraisal agency is level 1 When it is level one, the corresponding risk level data of the second-hand car appraisal agency is low risk, and low risk means that the appraisal documents of the second-hand car appraisal agency have a probability of 20% to 30% of being forged; S72, using a depth-limited algorithm to identify the professional level of hardware configuration of the second-hand car appraisal agency and the identification result data of the service quality level of the second-hand car appraisal agency A risk level data set corresponding to the hardware configuration professional level and service quality level of the second-hand car appraisal agency The risk level data of the second-hand car appraisal institution is matched by characters according to the hardware configuration professional level and service quality level, and the hardware configuration professional level recognition result data of the second-hand car appraisal institution is searched out. and the identification result data of the service quality level of the second-hand car appraisal agency The corresponding second-hand car appraisal agency risk level data and the identification generate the second-hand car appraisal agency information risk level assessment result data , The value can be any one of high risk, medium risk, and low risk; S73, the risk level assessment result data of the second-hand car appraisal agency information Pushed to mobile clients via mobile communication networks.

[0013] A second-hand car information risk assessment system based on big data, used to implement the second-hand car information risk assessment method based on big data, the system includes a second-hand car information collection and management module, a second-hand car information level analysis module, and a second-hand car information risk assessment and push module; The second-hand car information collection and management module includes a second-hand car appraisal text information collection unit, a second-hand car appraisal agency information search unit, a second-hand car appraisal agency hardware configuration information acquisition unit, and a second-hand car appraisal agency service review information retrieval unit; The second-hand car appraisal text information collection unit collects second-hand car appraisal text feature data through a mobile terminal and text-image conversion software; the second-hand car appraisal agency information search unit searches for appraisal agency information based on the second-hand car appraisal text feature data to generate second-hand car appraisal agency feature data; the second-hand car appraisal agency hardware configuration information acquisition unit performs appraisal agency appraisal hardware configuration information retrieval based on the second-hand car appraisal agency feature data to construct second-hand car appraisal agency hardware configuration data; the second-hand car appraisal agency service review information retrieval unit performs appraisal agency appraisal service review information retrieval based on the second-hand car appraisal agency feature data to construct second-hand car appraisal service review data; The second-hand car information grade analysis module includes a second-hand car appraisal agency standard hardware configuration storage unit, a second-hand car appraisal agency hardware configuration information matching unit, a second-hand car appraisal agency hardware configuration professionalism measurement unit, a second-hand car appraisal agency hardware configuration professionalism corresponding professional grade storage unit, a second-hand car appraisal agency hardware configuration professional grade identification unit, a second-hand car appraisal agency service review positive vocabulary storage unit, a second-hand car appraisal agency positive service review matching unit, a second-hand car appraisal agency service satisfaction measurement unit, a second-hand car appraisal agency service satisfaction corresponding service quality grade storage unit, and a second-hand car appraisal agency service quality grade identification unit; The standard hardware configuration storage unit of the second-hand car appraisal agency stores the standard hardware configuration data of the second-hand car appraisal agency based on big data; the hardware configuration information matching unit of the second-hand car appraisal agency performs hardware configuration matching processing of the appraisal agency according to the hardware configuration data of the second-hand car appraisal agency and the standard hardware configuration data of the second-hand car appraisal agency, and constructs the standard hardware configuration matching result data of the second-hand car appraisal agency; the hardware configuration professionalism measurement unit of the second-hand car appraisal agency is used to count the hardware configuration professionalism data of the second-hand car appraisal agency; the hardware configuration professionalism corresponding professional level storage unit of the second-hand car appraisal agency is used to store the hardware configuration professionalism corresponding professional level data of the second-hand car appraisal agency; the hardware configuration professional level identification unit of the second-hand car appraisal agency performs hardware configuration professional level identification processing of the appraisal agency based on the hardware configuration professionalism data of the second-hand car appraisal agency and the hardware configuration professionalism corresponding professional level data of the second-hand car appraisal agency, and generates the hardware configuration professional level identification result of the second-hand car appraisal agency. data; the second-hand car appraisal agency service review positive vocabulary storage unit, storing the second-hand car appraisal agency service review positive vocabulary data based on big data; the second-hand car appraisal agency positive service review matching unit, performing appraisal agency positive service review matching processing based on the second-hand car appraisal service review data and the second-hand car appraisal agency service review positive vocabulary data, and constructing the second-hand car appraisal agency positive service review matching result data; the second-hand car appraisal agency service satisfaction measurement unit, used to count the second-hand car appraisal agency service satisfaction data; the second-hand car appraisal agency service satisfaction corresponding service quality level storage unit, used to store the second-hand car appraisal agency service satisfaction corresponding service quality level data; the second-hand car appraisal agency service quality level identification unit, performing appraisal agency service quality level identification processing based on the second-hand car appraisal agency service satisfaction data and the second-hand car appraisal agency service satisfaction corresponding service quality level data, and generating the second-hand car appraisal agency service quality level identification result data; The second-hand car information risk assessment and push module includes a second-hand car appraisal agency hardware configuration professional level, service quality level corresponding risk level storage unit, a second-hand car appraisal agency information risk level analysis unit, and a second-hand car appraisal agency information risk level assessment result feedback unit; The risk level storage unit corresponding to the professional level of the hardware configuration and the service quality level of the used car appraisal agency is used to store the risk level data corresponding to the professional level of the hardware configuration and the service quality level of the used car appraisal agency; the information risk level analysis unit of the used car appraisal agency performs information risk level analysis and processing on the appraisal agency based on the identification result data of the professional level of the hardware configuration of the used car appraisal agency, the identification result data of the service quality level of the used car appraisal agency and the risk level data corresponding to the professional level of the hardware configuration and the service quality level of the used car appraisal agency, and constructs the information risk level assessment result data of the used car appraisal agency; the information risk level assessment result feedback unit of the used car appraisal agency pushes the information risk level assessment result data of the used car appraisal agency to the mobile client through the mobile communication network.

[0014] (III) Beneficial effects The present invention provides a second-hand car information risk assessment system and method based on big data, which has the following beneficial effects: 1. Efficiently and accurately collect the characteristic parameters of the used car appraisal text through mobile terminals and image-text conversion software, and provide reliable data for the subsequent accurate search of the information of used car appraisal institutions; autonomously and conveniently search for the characteristic information parameters of used car appraisal institutions based on the used car appraisal text; scientifically retrieve the real hardware configuration information and appraisal service comment information of used car appraisal institutions based on the characteristic parameters of used car appraisal institutions combined with hardware configuration and service comment characters, and realize the accurate sampling of the hardware configuration and service feedback information of used car appraisal institutions.

[0015] 2. Analyze the hardware configuration of the second-hand car appraisal agency through the hardware configuration parameters of the second-hand car appraisal agency and the standard hardware configuration parameters of the second-hand car appraisal agency preset based on big data, and accurately analyze the standard hardware configuration parameters of the second-hand car appraisal agency; use the hardware configuration professionalism parameters of the second-hand car appraisal agency and the professional level parameters corresponding to the hardware configuration professionalism of the second-hand car appraisal agency to identify the professional level of the hardware configuration of the appraisal agency, and scientifically analyze the professional level parameters of the hardware configuration of the second-hand car appraisal agency; use the second-hand car appraisal service review data and the positive vocabulary parameters of the second-hand car appraisal agency service reviews based on big data storage to analyze the positive service reviews of the appraisal agency, and scientifically analyze the positive service review parameters of the second-hand car appraisal agency; identify the service quality level of the appraisal agency based on the service satisfaction parameters of the second-hand car appraisal agency and the service quality level parameters corresponding to the service satisfaction of the second-hand car appraisal agency, and accurately analyze the service quality level parameters of the second-hand car appraisal agency, thereby realizing intelligent evaluation of the hardware configuration level and appraisal service quality level of the second-hand car appraisal agency.

[0016] 3. Analyze and process the information risk level of the used car appraisal agency through the professional level parameters of the hardware configuration of the used car appraisal agency, the quality level identification result parameters and the risk level parameters corresponding to the professional level of the hardware configuration of the used car appraisal agency and the service quality level, so as to realize the intelligent and standardized assessment of the information risk level of the used car appraisal agency; accurately push the information risk level of the used car appraisal agency to the mobile client through the mobile communication network, so as to realize the efficient and convenient feedback of the used car information risk assessment results to the client. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] Figure 1 A module schematic diagram of a second-hand car information risk assessment system based on big data provided by the present invention; Figure 2 A flowchart of a second-hand car information risk assessment method based on big data provided by the present invention. DETAILED DESCRIPTION

[0018] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0019] The embodiment of the second-hand car information risk assessment system and method based on big data is as follows: Embodiment 1: See also Figure 1 - Figure 2 A second-hand car information risk assessment method based on big data comprises the following steps: S1. Collecting text feature data of second-hand car identification; S2. Search for identification agency information based on the used car identification text feature data, generate used car identification agency feature data, perform identification agency identification hardware configuration and identification service review information retrieval, and construct used car identification agency hardware configuration data and used car identification service review data; S3, performing hardware configuration matching processing on the second-hand car appraisal institution based on the hardware configuration data of the second-hand car appraisal institution and the standard hardware configuration data of the second-hand car appraisal institution, constructing the standard hardware configuration matching result data of the second-hand car appraisal institution and calculating the hardware configuration professionalism data of the second-hand car appraisal institution; S4, performing identification processing of the professional level of the hardware configuration of the second-hand car appraisal institution based on the professional level data of the hardware configuration of the second-hand car appraisal institution and the professional level data corresponding to the professional level of the hardware configuration of the second-hand car appraisal institution, and generating the professional level identification result data of the hardware configuration of the second-hand car appraisal institution; S5. Perform matching processing on the positive service reviews of the appraisal institutions based on the second-hand car appraisal service review data and the positive vocabulary data of the service reviews of the second-hand car appraisal institutions, construct the matching result data of the positive service reviews of the second-hand car appraisal institutions and calculate the service satisfaction data of the second-hand car appraisal institutions; S6. Based on the service satisfaction data of the used car appraisal agency and the service quality grade data corresponding to the service satisfaction of the used car appraisal agency, an identification process of the service quality grade of the appraisal agency is performed to generate the identification result data of the service quality grade of the used car appraisal agency; S7. Analyze and process the information risk level of the appraisal agency based on the identification result data of the professional level of the hardware configuration of the used car appraisal agency, the identification result data of the service quality level of the used car appraisal agency, and the risk level data corresponding to the professional level of the hardware configuration of the used car appraisal agency and the service quality level, and construct the information risk level assessment result data of the used car appraisal agency and push it to the mobile client.

[0020] For further information, see Figure 1 - Figure 2 ,The steps for collecting the feature data of the text for second-hand car identification are as follows: S11. Scan and collect used car identification documents online through mobile terminals combined with image-text conversion software and generate used car identification text feature data The mobile terminal includes any one of a smart phone and a tablet computer, the image-text conversion software includes any one of a fast text recognition software and an AI recognition king, and the used car appraisal text feature data represents the text feature data of the vehicle appraisal result issued by a used car appraisal agency.

[0021] The steps for searching the identification agency information based on the used car identification text feature data, generating the used car identification agency feature data, and performing the identification agency identification hardware configuration and identification service review information retrieval, and constructing the used car identification agency hardware configuration data and used car identification service review data are as follows: S21. Using BERT language model in used car identification text feature data Combine the name keywords to search for the characteristic information of the used car appraisal agency and generate the characteristic data of the used car appraisal agency ,The characteristic data of used car appraisal institutions include the name, enterprise code and address of the used car appraisal institutions; S22, using a unified price search algorithm based on the characteristic data of used car appraisal institutions Combine the hardware configuration keywords and the appraisal service review keywords to retrieve the appraisal hardware configuration and appraisal service review information of specific used car appraisal institutions on the Internet platform, and generate the hardware configuration data set of used car appraisal institutions respectively. , ;in Indicates the retrieved Hardware configuration data of used car appraisal institutions, Indicates the maximum value of the hardware configuration data of a used car appraisal institution. The hardware configuration data of a used car appraisal institution indicates the configuration parameters of the hardware equipment and professional personnel of the appraisal institution. Generate a dataset of reviews for used car appraisal services , ;in Indicates the retrieved Used car appraisal service review data, Indicates the maximum number of used car appraisal service review data. Used car appraisal service review data represents customers' evaluation information on the service quality of a specific appraisal agency.

[0022] Through the used car appraisal text information collection unit, mobile terminals and image-text conversion software are used to efficiently and accurately collect used car appraisal text feature parameters, providing reliable data for subsequent accurate searches of used car appraisal agency information; the used car appraisal agency information search unit independently and conveniently searches for feature information parameters of used car appraisal agencies based on used car appraisal texts; the used car appraisal agency hardware configuration information acquisition unit and the used car appraisal agency service review information retrieval unit cooperate with each other, and scientifically retrieve the real hardware configuration information and appraisal service review information of used car appraisal agencies based on the feature parameters of used car appraisal agencies combined with hardware configuration and service review characters, thereby achieving accurate sampling of hardware configuration and service feedback information of used car appraisal agencies.

[0023] For further information, see Figure 1 - Figure 2 The steps for matching the hardware configuration of the used car appraisal institution with the standard hardware configuration data of the used car appraisal institution, constructing the matching result data of the standard hardware configuration of the used car appraisal institution and calculating the professional degree data of the hardware configuration of the used car appraisal institution are as follows: S31. Establish a standard hardware configuration data set for used car appraisal institutions , ;in Indicates Standard hardware configuration data of used car appraisal institutions, Indicates the maximum value of the number of standard hardware configuration data of used car appraisal institutions. The standard hardware configuration data of used car appraisal institutions indicates the hardware equipment configuration parameters and professional personnel configuration parameters of the standard equipment of regular used car appraisal institutions. S32. Collecting hardware configuration data of used car appraisal institutions Hardware configuration data of used car appraisal institutions in China According to the hardware configuration data number of the second-hand car appraisal agency, it is in order and the second-hand car appraisal agency standard hardware configuration data set Standard hardware configuration data of used car appraisal institutions in China Perform hardware configuration character matching to search for hardware configuration data from used car appraisal agencies Standard hardware configuration data of used car appraisal institutions with the same hardware configuration parameters , perform a search to find hardware configuration data related to used car appraisal institutions Standard hardware configuration data of used car appraisal institutions with the same hardware configuration parameters The specific steps are as follows: S321, initializing hardware configuration to search the number of elephant population clans n, and setting the maximum number of iterations T; S322, using the fitness function to calculate the fitness value of each hardware configuration search elephant individual, that is, to calculate the standard hardware configuration data set of the used car appraisal agency Standard hardware configuration data of used car appraisal institutions in China Hardware configuration data with used car appraisal institutions The fitness value of the current best hardware configuration is obtained by searching the individual elephant position, that is, the hardware configuration data of the second-hand car appraisal agency is obtained. The most matching second-hand car appraisal agency standard hardware configuration data Standard hardware configuration data collection in used car appraisal institutions Position in the search space; S323, update the position of each hardware configuration search elephant individual in the population, the hardware configuration search elephant position update formula is: ,in Indicated in Hardware configuration search elephant individuals in iterations Search for the leader of the elephant clan relative to the hardware configuration Standard hardware configuration data collection in used car appraisal institutions Position in the search space; Indicated in Hardware configuration search elephant individuals in iterations Search for the leader of the elephant clan relative to the hardware configuration Standard hardware configuration data collection in used car appraisal institutions Position in the search space; Indicates hardware configuration search elephant individual Search for the leader of the elephant clan relative to the hardware configuration Standard hardware configuration data collection in used car appraisal institutions The best position in the search space, that is, the hardware configuration data of the second-hand car appraisal agency The most matching second-hand car appraisal agency standard hardware configuration data In the corresponding second-hand car appraisal agency standard hardware configuration data set The position in the search space, Indicates that the value is The position influence factor, Represents the hardware configuration to search for the leader of the elephant clan Search for individual elephants on hardware configuration The position influence factor, Indicates value Random number; Update the current best hardware configuration to search for the position of the elephant individual. The best hardware configuration to search for the position of the elephant individual is updated as follows: ,in The value is The center position influence coefficient, Represents the hardware configuration to search for the leader of the elephant clan The influence coefficient of the center position of the individual elephant in the search of the entire hardware configuration, Represents the entire hardware configuration search elephant population individual in the hardware configuration search elephant population clan leader The central position of the elephant population under the influence of hardware configuration search The hardware configuration search elephant individual in the standard hardware configuration data set of the second-hand car appraisal agency Position in the search space; S324, calculate the fitness value of each hardware configuration search elephant individual after the update, analyze the hardware configuration search elephant population, and obtain the best and worst hardware configuration search elephant individual positions of the updated hardware configuration search elephant population, that is, in the standard hardware configuration data set of the second-hand car appraisal agency The search space analyzes the hardware configuration data of used car appraisal institutions The most matching second-hand car appraisal agency standard hardware configuration data and the location of the least matching used car appraisal agency standard hardware configuration data; S325, update the current worst hardware configuration search elephant individual location, that is, in the second-hand car appraisal agency standard hardware configuration data set Update and hardware configuration data of used car appraisal institutions in search space The most mismatched second-hand car appraisal agency standard hardware configuration data The position of the elephant is updated with the worst hardware configuration, and the formula for searching the individual position of the elephant is: ,in Indicates hardware configuration search elephant individual Search for the leader of the elephant clan relative to the hardware configuration Standard hardware configuration data collection in used car appraisal institutions The worst position in the search space, and Represents the standard hardware configuration data set of used car appraisal institutions Upper and lower bounds of the search space; Indicates value Random function; retain the best hardware configuration to search for the individual position of the elephant, that is, retain the hardware configuration data of the second-hand car appraisal agency The most matching second-hand car appraisal agency standard hardware configuration data location; S326. When the maximum number of iterations is met, the hardware configuration data of the second-hand car appraisal agency is output. The most matching second-hand car appraisal agency standard hardware configuration data , otherwise, repeat step S322 until the maximum number of iterations is met; S33, the hardware configuration data outputted in step S326 and the second-hand car appraisal institution Matching the standard hardware configuration data of used car appraisal institutions The logo is constructed as a data set of standard hardware configuration matching results of used car appraisal institutions , ,in Indicates The standard hardware configuration matching result data of used car appraisal institutions, Indicates The standard hardware configuration matching result data of used car appraisal institutions; S34, matching result data set based on standard hardware configuration of used car appraisal institutions The standard hardware configuration matching result data of used car appraisal institutions in the second-hand car appraisal institutions is used to measure the number of standard hardware configuration matching results of used car appraisal institutions ; Match the number of results of the standard hardware configuration of the used car appraisal agency Standard hardware configuration data with used car appraisal institutions Total quantity Perform numerical quotient processing to generate professional data on hardware configuration of used car appraisal institutions .

[0024] Based on the professional level data of the hardware configuration of the used car appraisal institution and the professional level data corresponding to the professional level of the hardware configuration of the used car appraisal institution, the professional level identification processing of the hardware configuration of the appraisal institution is performed, and the operation steps for generating the professional level identification result data of the hardware configuration of the used car appraisal institution are as follows: S41. Establish a data set corresponding to the professional level of hardware configuration of used car appraisal institutions ,in Indicates the data range of the hardware configuration professionalism of used car appraisal institutions corresponding to the first-level hardware configuration professionalism of used car appraisal institutions. and Indicates the left and right end values ​​of the hardware configuration professionalism data range of the used car appraisal agency; Indicates the data range of the hardware configuration professionalism of the second-hand car appraisal agency corresponding to the second-level hardware configuration professionalism level of the second-hand car appraisal agency. and Indicates the left and right end values ​​of the hardware configuration professionalism data range of the used car appraisal agency; Indicates the data range of the hardware configuration professionalism of used car appraisal institutions corresponding to the third level of hardware configuration professionalism of used car appraisal institutions. and Indicates the left and right end values ​​of the hardware configuration professionalism data range of the used car appraisal agency; S42, using a two-way search algorithm to collect professional data on hardware configuration of used car appraisal institutions A professional grade data set corresponding to the professionalism of hardware configuration of used car appraisal institutions The hardware configuration professionalism data of used car appraisal institutions in the second-hand car appraisal institution hardware configuration professionalism data range are matched numerically to search for the hardware configuration professionalism data of used car appraisal institutions The corresponding hardware configuration professional level of the second-hand car appraisal agency is marked and generated as the result data of the hardware configuration professional level identification of the second-hand car appraisal agency ; The possible values ​​include any one of level one, level two and level three; the professional level of hardware configuration corresponding to level one, level two and level three decreases in sequence.

[0025] The steps for matching the positive service reviews of the appraisal institutions with the positive vocabulary data of the service reviews of the appraisal institutions are as follows: S51. Establish a data set of positive words for service reviews of used car appraisal institutions , ;in Indicates Second-hand car appraisal agency service review positive vocabulary data, Indicates the maximum value of the number of positive word data for service reviews of used car appraisal institutions. The positive word data for service reviews of used car appraisal institutions represent word data that customers affirm about the service quality of a specific appraisal institution. S52, using iterative bidirectional search algorithm to collect the second-hand car appraisal service review data Second-hand car appraisal service review data The data set of used car appraisal service review is sorted by the second-hand car appraisal agency service review positive vocabulary data set Data on positive vocabulary of service reviews of used car appraisal institutions in China Perform character matching on service reviews to search for data containing positive words in service reviews from used car appraisal agencies Second-hand car appraisal service review data And identify and generate a matching result data set of second-hand car appraisal agency affirmative service reviews , ,in Indicates A used car appraisal agency confirmed the service review matching result data, Indicates A used car appraisal agency confirmed that the service review matched the result data; S53, based on the second-hand car appraisal agency's affirmative service review matching result data set The matching result data of the second-hand car appraisal agency's positive service comments in the second-hand car appraisal agency is used to measure the number of matching results of the second-hand car appraisal agency's positive service comments ; Match the number of results of the second-hand car appraisal agency's positive service reviews Used car appraisal service review data Total quantity Perform numerical quotient processing to generate service satisfaction data of used car appraisal institutions .

[0026] The steps for performing identification processing on the service satisfaction data of the used car appraisal institution and the service quality grade data corresponding to the service satisfaction data of the used car appraisal institution to generate the identification result data of the service quality grade of the used car appraisal institution are as follows: S61. Establish a data set of service quality levels corresponding to service satisfaction of used car appraisal institutions ,in It indicates the service satisfaction data interval of used car appraisal institutions corresponding to the service quality level of used car appraisal institutions being level one. and Indicates the left and right end values ​​of the service satisfaction data range of used car appraisal institutions; It indicates the service satisfaction data interval of used car appraisal institutions corresponding to the second-level service quality level of used car appraisal institutions. and Indicates the left and right end values ​​of the service satisfaction data range of used car appraisal institutions; It indicates the service satisfaction data interval of used car appraisal institutions corresponding to the service quality level of the third level. and Indicates the left and right end values ​​of the service satisfaction data range of used car appraisal institutions; S62, using a two-way search algorithm to collect the service satisfaction data of used car appraisal institutions A data set of service quality levels corresponding to the service satisfaction of used car appraisal institutions The second-hand car appraisal agency service satisfaction data in the second-hand car appraisal agency service satisfaction data interval is matched numerically to search for the second-hand car appraisal agency service satisfaction data The corresponding second-hand car appraisal agency service quality level is marked and generated as the second-hand car appraisal agency service quality level identification result data ; The value can be any one of level 1, level 2, and level 3, where the corresponding service quality levels decrease in sequence.

[0027] Through the hardware configuration information matching unit of the used car appraisal agency, the hardware configuration parameters of the used car appraisal agency are compared with the standard hardware configuration parameters of the used car appraisal agency preset based on big data to perform hardware configuration analysis of the appraisal agency, and accurately analyze the standard hardware configuration parameters of the used car appraisal agency; the hardware configuration professional level identification unit of the used car appraisal agency adopts the hardware configuration professional level parameters of the used car appraisal agency and the professional level parameters corresponding to the hardware configuration professional level of the used car appraisal agency to perform hardware configuration professional level identification processing of the appraisal agency, and scientifically analyze the hardware configuration professional level parameters of the used car appraisal agency; the positive service review matching unit of the used car appraisal agency adopts the used car appraisal service review data and the positive vocabulary parameters of the service reviews of the used car appraisal agency based on the big data storage to perform positive service review analysis of the appraisal agency, and scientifically analyze the positive service review parameters of the used car appraisal agency; the service quality level identification unit of the used car appraisal agency performs service quality level identification processing of the appraisal agency based on the service satisfaction parameters of the used car appraisal agency and the service quality level parameters corresponding to the service satisfaction of the used car appraisal agency, and accurately analyzes the service quality level parameters of the used car appraisal agency, thereby realizing intelligent evaluation of the hardware configuration level and appraisal service quality level of the used car appraisal agency.

[0028] For further information, see Figure 1 - Figure 2 , according to the identification result data of the professional level of hardware configuration of used car appraisal institutions, the identification result data of the service quality level of used car appraisal institutions and the risk level data corresponding to the professional level of hardware configuration of used car appraisal institutions and service quality level, the risk level analysis and processing of appraisal institution information is carried out, and the evaluation result data of the risk level of information of used car appraisal institutions is constructed and pushed to the mobile client. The operation steps are as follows: S71. Establish a data set of risk levels corresponding to hardware configuration professional level and service quality level of used car appraisal institutions ,in Indicates the professional level identification result data of the hardware configuration of the used car appraisal agency Provides service quality level identification result data for third-level and second-hand car appraisal institutions When it is level 3, the corresponding risk level data of the second-hand car appraisal agency is high risk, which means that the appraisal documents of the second-hand car appraisal agency have a probability of being forged greater than 80% to 90%; Indicates the professional level identification result data of the hardware configuration of the used car appraisal agency Provides service quality level identification result data for first-class and second-hand car appraisal institutions When it is level 2, the corresponding risk level data of the second-hand car appraisal agency is medium risk, which means that the appraisal documents of the second-hand car appraisal agency have a probability of 55% to 60% of being forged; Indicates the professional level identification result data of the hardware configuration of the used car appraisal agency Provides service quality level identification result data for first-class and second-hand car appraisal institutions When it is level one, the corresponding risk level data of the second-hand car appraisal agency is low risk, which means that the appraisal documents of the second-hand car appraisal agency have a 20% to 30% probability of being forged; S72, using a deep limited algorithm to identify the professional level of hardware configuration of used car appraisal institutions and used car appraisal agency service quality level identification result data A data set of risk levels corresponding to the hardware configuration professional level and service quality level of used car appraisal institutions The risk level data of used car appraisal institutions in China are matched by characters according to the hardware configuration professional level and service quality level, and the hardware configuration professional level recognition result data of used car appraisal institutions are searched out. and used car appraisal agency service quality level identification result data Corresponding second-hand car appraisal agency risk level data and identification to generate second-hand car appraisal agency information risk level assessment result data , The value can be any one of high risk, medium risk, and low risk; S73. Used car appraisal agency information risk level assessment result data Pushed to mobile clients via mobile communication networks.

[0029] Through the used car appraisal agency information risk level analysis unit, the used car appraisal agency information risk level analysis and processing are carried out using the used car appraisal agency hardware configuration professional level parameters, quality level identification result parameters and the used car appraisal agency hardware configuration professional level, service quality level corresponding risk level parameters, so as to realize the intelligent and standardized evaluation of the used car appraisal agency information risk level. The used car appraisal agency information risk level evaluation result feedback unit accurately pushes the used car appraisal agency information risk level to the mobile client through the mobile communication network, so as to realize the efficient and convenient feedback of the used car information risk evaluation result to the client.

[0030] Embodiment 2: See also Figure 1 - Figure 2 , a second-hand car information risk assessment system based on big data, used to implement a second-hand car information risk assessment method based on big data, the system includes a second-hand car information collection and management module, a second-hand car information level analysis module, and a second-hand car information risk assessment and push module; The second-hand car information collection and management module includes a second-hand car appraisal text information collection unit, a second-hand car appraisal agency information search unit, a second-hand car appraisal agency hardware configuration information acquisition unit, and a second-hand car appraisal agency service review information retrieval unit; A used car appraisal text information collection unit collects used car appraisal text feature data through a mobile terminal and image-text conversion software; a used car appraisal agency information search unit searches for appraisal agency information based on used car appraisal text feature data to generate used car appraisal agency feature data; a used car appraisal agency hardware configuration information acquisition unit retrieves appraisal agency hardware configuration information based on used car appraisal agency feature data to construct used car appraisal agency hardware configuration data; a used car appraisal agency service review information retrieval unit retrieves appraisal agency appraisal service review information based on used car appraisal agency feature data to construct used car appraisal service review data; The used car information grade analysis module includes a used car appraisal agency standard hardware configuration storage unit, a used car appraisal agency hardware configuration information matching unit, a used car appraisal agency hardware configuration professionalism measurement unit, a used car appraisal agency hardware configuration professionalism corresponding professional grade storage unit, a used car appraisal agency hardware configuration professional grade identification unit, a used car appraisal agency service review positive vocabulary storage unit, a used car appraisal agency positive service review matching unit, a used car appraisal agency service satisfaction measurement unit, a used car appraisal agency service satisfaction corresponding service quality grade storage unit, and a used car appraisal agency service quality grade identification unit; A used car appraisal agency standard hardware configuration storage unit stores the used car appraisal agency standard hardware configuration data based on big data; a used car appraisal agency hardware configuration information matching unit performs hardware configuration matching processing on the used car appraisal agency based on the used car appraisal agency hardware configuration data and the used car appraisal agency standard hardware configuration data, and constructs the used car appraisal agency standard hardware configuration matching result data; a used car appraisal agency hardware configuration professionalism measurement unit is used to count the used car appraisal agency hardware configuration professionalism data; a used car appraisal agency hardware configuration professionalism corresponding professional level storage unit is used to store the used car appraisal agency hardware configuration professionalism corresponding professional level data; a used car appraisal agency hardware configuration professional level identification unit performs hardware configuration professional level identification processing on the used car appraisal agency based on the used car appraisal agency hardware configuration professionalism data and the used car appraisal agency hardware configuration professionalism corresponding professional level data, and generates a used car appraisal agency hardware configuration professional level identification result. data; a used car appraisal agency service review positive vocabulary storage unit, which stores the used car appraisal agency service review positive vocabulary data based on big data; a used car appraisal agency positive service review matching unit, which matches the appraisal agency positive service reviews based on the used car appraisal service review data and the used car appraisal agency service review positive vocabulary data, and constructs the used car appraisal agency positive service review matching result data; a used car appraisal agency service satisfaction measurement unit, which is used to count the used car appraisal agency service satisfaction data; a used car appraisal agency service satisfaction corresponding service quality level storage unit, which is used to store the used car appraisal agency service satisfaction corresponding service quality level data; a used car appraisal agency service quality level identification unit, which identifies the appraisal agency service quality level based on the used car appraisal agency service satisfaction data and the used car appraisal agency service satisfaction corresponding service quality level data, and generates the used car appraisal agency service quality level identification result data; The used car information risk assessment and push module includes a risk level storage unit corresponding to the professional level of hardware configuration and service quality level of used car appraisal institutions, a used car appraisal institution information risk level analysis unit, and a used car appraisal institution information risk level assessment result feedback unit; The risk level storage unit corresponding to the professional level of the hardware configuration and the service quality level of the used car appraisal agency is used to store the risk level data corresponding to the professional level of the hardware configuration and the service quality level of the used car appraisal agency; the information risk level analysis unit of the used car appraisal agency performs information risk level analysis and processing on the used car appraisal agency based on the identification result data of the professional level of the hardware configuration of the used car appraisal agency, the identification result data of the service quality level of the used car appraisal agency and the risk level data corresponding to the professional level of the hardware configuration and the service quality level of the used car appraisal agency, and constructs the information risk level assessment result data of the used car appraisal agency; the information risk level assessment result feedback unit of the used car appraisal agency pushes the information risk level assessment result data of the used car appraisal agency to the mobile client through the mobile communication network.

[0031] Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that various changes, modifications, substitutions and variations may be made to the embodiments without departing from the principles and spirit of the present invention, and that the scope of the present invention is defined by the appended claims and their equivalents.

Claims

1. A second-hand car information risk assessment method based on big data, characterized in that: The method comprises the following steps: S1. Collecting text feature data of second-hand car identification; S2, searching for identification agency information based on the second-hand car identification text feature data, generating second-hand car identification agency feature data and performing identification agency identification hardware configuration and identification service review information retrieval, and constructing second-hand car identification agency hardware configuration data and second-hand car identification service review data; S3, performing hardware configuration matching processing of the second-hand car appraisal institution based on the hardware configuration data of the second-hand car appraisal institution and the standard hardware configuration data of the second-hand car appraisal institution, constructing the standard hardware configuration matching result data of the second-hand car appraisal institution and calculating the hardware configuration professionalism data of the second-hand car appraisal institution; S4, performing identification processing of the hardware configuration professional level of the second-hand car appraisal institution based on the hardware configuration professional level data of the second-hand car appraisal institution and the professional level data corresponding to the hardware configuration professional level of the second-hand car appraisal institution, and generating the hardware configuration professional level identification result data of the second-hand car appraisal institution; S5, performing matching processing on the appraisal agency's positive service reviews based on the second-hand car appraisal service review data and the second-hand car appraisal agency's service review positive vocabulary data, constructing the second-hand car appraisal agency's positive service review matching result data and calculating the second-hand car appraisal agency's service satisfaction data; S6, performing identification processing of the service quality level of the appraisal institution based on the service satisfaction data of the second-hand car appraisal institution and the service quality level data corresponding to the service satisfaction of the second-hand car appraisal institution, and generating identification result data of the service quality level of the second-hand car appraisal institution; S7. Analyze and process the information risk level of the appraisal agency based on the identification result data of the professional level of the hardware configuration of the used car appraisal agency, the identification result data of the service quality level of the used car appraisal agency, and the risk level data corresponding to the professional level of the hardware configuration of the used car appraisal agency and the service quality level, construct the information risk level assessment result data of the used car appraisal agency and push it to the mobile client.

2. The method for risk assessment of used car information based on big data according to claim 1 is characterized by: The S1 comprises the following steps: S11. Scan and collect used car identification documents online through mobile terminals combined with image-text conversion software and generate used car identification text feature data The mobile terminal includes any one of a smart phone and a tablet computer, the image-to-text conversion software includes any one of a fast text recognition software and an AI recognition king, and the used car appraisal text feature data represents the text feature data of the vehicle appraisal result issued by a used car appraisal agency.

3. The method for risk assessment of used car information based on big data according to claim 2 is characterized by: The S2 comprises the following steps: S21. Using the BERT language model in the second-hand car identification text feature data Combine the name keywords to search for the characteristic information of the used car appraisal agency and generate the characteristic data of the used car appraisal agency , the used car appraisal agency characteristic data includes the name, enterprise code and address of the used car appraisal agency; S22, using a unified price search algorithm based on the characteristic data of the second-hand car appraisal agency Combine the hardware configuration keywords and the appraisal service review keywords to retrieve the appraisal hardware configuration and appraisal service review information of specific used car appraisal institutions on the Internet platform, and generate the hardware configuration data set of used car appraisal institutions respectively. , ;in Indicates the retrieved Hardware configuration data of used car appraisal institutions, Indicates the maximum value of the number of hardware configuration data of a used car appraisal institution, wherein the hardware configuration data of the used car appraisal institution indicates configuration parameters of hardware equipment and configuration parameters of professionals of the appraisal institution; Generate a used car appraisal service review data set , ;in Indicates the retrieved Used car appraisal service review data, Indicates the maximum value of the number of used car appraisal service review data, wherein the used car appraisal service review data represents the customer's evaluation information on the service quality of a specific appraisal agency.

4. The method for risk assessment of used car information based on big data according to claim 3 is characterized by: The S3 comprises the following steps: S31. Establish a standard hardware configuration data set for used car appraisal institutions , ;in Indicates Standard hardware configuration data of used car appraisal institutions, Indicates the maximum value of the number of standard hardware configuration data of a used car appraisal institution, wherein the standard hardware configuration data of a used car appraisal institution indicates the hardware equipment configuration parameters and professional personnel configuration parameters of a standard used car appraisal institution; S32: The hardware configuration data of the second-hand car appraisal institution is collected Hardware configuration data of China's second-hand car appraisal agency The hardware configuration data set of the second-hand car appraisal institution is ordered according to the hardware configuration data number of the second-hand car appraisal institution. Standard hardware configuration data of second-hand car appraisal institutions in China Perform hardware configuration character matching to search for hardware configuration data that matches the second-hand car appraisal agency Standard hardware configuration data of used car appraisal institutions with the same hardware configuration parameters , perform a search for the hardware configuration data of the second-hand car appraisal agency Standard hardware configuration data of used car appraisal institutions with the same hardware configuration parameters The specific steps are as follows: S321, initializing hardware configuration to search the number of elephant population clans n, and setting the maximum number of iterations T; S322, using the fitness function to calculate the fitness value of each hardware configuration search elephant individual, that is, to calculate the standard hardware configuration data set of the second-hand car appraisal agency Standard hardware configuration data of used car appraisal institutions in China Hardware configuration data with used car appraisal institutions The fitness value of the current best hardware configuration is obtained by searching the individual elephant position, that is, the hardware configuration data of the second-hand car appraisal agency is obtained. The most matching second-hand car appraisal agency standard hardware configuration data Standard hardware configuration data collection in used car appraisal institutions Position in the search space; S323, updating each hardware configuration in the population to search for the position of the elephant individual; updating the current best hardware configuration to search for the position of the elephant individual; S324, calculate the fitness value of each hardware configuration search elephant individual after the update, analyze the hardware configuration search elephant population, and obtain the best and worst hardware configuration search elephant individual positions of the updated hardware configuration search elephant population, that is, in the standard hardware configuration data set of the second-hand car appraisal agency The search space analyzes the hardware configuration data of used car appraisal institutions The most matching second-hand car appraisal agency standard hardware configuration data and the location of the least matching used car appraisal agency standard hardware configuration data; S325, update the current worst hardware configuration search elephant individual location, that is, in the second-hand car appraisal agency standard hardware configuration data set Update and hardware configuration data of used car appraisal institutions in search space The most mismatched second-hand car appraisal agency standard hardware configuration data location; S326. When the maximum number of iterations is met, the hardware configuration data of the second-hand car appraisal agency is output. The most matching second-hand car appraisal agency standard hardware configuration data , otherwise, repeat step S322 until the maximum number of iterations is met; S33, the hardware configuration data of the second-hand car appraisal institution output in step S326 Matching the standard hardware configuration data of used car appraisal institutions The logo is constructed as a data set of standard hardware configuration matching results of used car appraisal institutions , ,in Indicates The standard hardware configuration matching result data of used car appraisal institutions, Indicates The standard hardware configuration matching result data of used car appraisal institutions; S34, matching result data set according to the standard hardware configuration of the second-hand car appraisal institution The standard hardware configuration matching result data of the second-hand car appraisal institution is used to measure the number of standard hardware configuration matching results of the second-hand car appraisal institution ; Match the number of results of the standard hardware configuration of the second-hand car appraisal agency The hardware configuration data is consistent with the standard of the second-hand car appraisal agency Total quantity Perform numerical quotient processing to generate professional data on hardware configuration of used car appraisal institutions .

5. The method for risk assessment of used car information based on big data according to claim 4 is characterized by: The S4 comprises the following steps: S41. Establish a data set corresponding to the professional level of hardware configuration of used car appraisal institutions ,in Indicates the data range of the hardware configuration professionalism of used car appraisal institutions corresponding to the first-level hardware configuration professionalism of used car appraisal institutions. and Indicates the left and right end values ​​of the hardware configuration professionalism data range of the used car appraisal agency; Indicates the data range of the hardware configuration professionalism of the second-hand car appraisal agency corresponding to the second-level hardware configuration professionalism level of the second-hand car appraisal agency. and Indicates the left and right end values ​​of the hardware configuration professionalism data range of the used car appraisal agency; Indicates the data range of the hardware configuration professionalism of used car appraisal institutions corresponding to the third level of hardware configuration professionalism of used car appraisal institutions. and Indicates the left and right end values ​​of the hardware configuration professionalism data range of the used car appraisal agency; S42, using a two-way search algorithm to search the hardware configuration professionalism data of the second-hand car appraisal agency A professional grade data set corresponding to the professionalism of hardware configuration of used car appraisal institutions The hardware configuration professionalism data of the second-hand car appraisal institution in the second-hand car appraisal institution hardware configuration professionalism data interval is numerically matched to search for the hardware configuration professionalism data of the second-hand car appraisal institution The corresponding hardware configuration professional level of the second-hand car appraisal agency is marked and generated as the result data of the hardware configuration professional level identification of the second-hand car appraisal agency ; The possible values ​​include any one of level one, level two and level three; the professional level of hardware configuration corresponding to level one, level two and level three decreases in sequence.

6. The method for risk assessment of used car information based on big data according to claim 5 is characterized by: The S5 comprises the following steps: S51. Establish a data set of positive words for service reviews of used car appraisal institutions , ;in Indicates Second-hand car appraisal agency service review positive vocabulary data, Indicates the maximum value of the number of positive word data for service reviews of used car appraisal institutions, wherein the positive word data for service reviews of used car appraisal institutions represent word data of customers' positive comments on the service quality of a specific appraisal institution; S52, using an iterative bidirectional search algorithm to collect the second-hand car appraisal service review data set Second-hand car appraisal service review data The used car appraisal service review data is sorted according to the second-hand car appraisal service review data number and the second-hand car appraisal agency service review positive vocabulary data set Data on positive vocabulary of service reviews of used car appraisal institutions in China Perform character matching on service reviews to search for positive vocabulary data containing the service reviews of the used car appraisal agency The second-hand car appraisal service review data And identify and generate a matching result data set of second-hand car appraisal agency affirmative service reviews , ,in Indicates A used car appraisal agency confirmed the service review matching result data, Indicates A used car appraisal agency confirmed that the service review matched the result data; S53, confirming the service review matching result data set according to the second-hand car appraisal agency The second-hand car appraisal agency positive service review matching result data in the second-hand car appraisal agency positive service review matching result number is measured ; The number of matching results of the second-hand car appraisal agency's positive service reviews Data related to reviews of used car appraisal services Total quantity Perform numerical quotient processing to generate service satisfaction data of used car appraisal institutions .

7. The method for risk assessment of used car information based on big data according to claim 6 is characterized by: The S6 comprises the following steps: S61. Establish a data set of service quality levels corresponding to service satisfaction of used car appraisal institutions ,in It indicates the service satisfaction data interval of used car appraisal institutions corresponding to the service quality level of used car appraisal institutions being level one. and Indicates the left and right end values ​​of the service satisfaction data range of used car appraisal institutions; It indicates the service satisfaction data interval of used car appraisal institutions corresponding to the second-level service quality level of used car appraisal institutions. and Indicates the left and right end values ​​of the service satisfaction data range of used car appraisal institutions; It indicates the service satisfaction data interval of used car appraisal institutions corresponding to the service quality level of the third level. and Indicates the left and right end values ​​of the service satisfaction data range of used car appraisal institutions; S62, using a two-way search algorithm to search the service satisfaction data of the second-hand car appraisal agency A data set of service quality levels corresponding to the service satisfaction of used car appraisal institutions The second-hand car appraisal agency service satisfaction data in the second-hand car appraisal agency service satisfaction data interval are numerically matched to search for the second-hand car appraisal agency service satisfaction data The corresponding second-hand car appraisal agency service quality level is marked and generated as the second-hand car appraisal agency service quality level identification result data ; The value can be any one of level 1, level 2, and level 3, where the corresponding service quality levels decrease in sequence.

8. The method for risk assessment of used car information based on big data according to claim 7 is characterized by: The S7 comprises the following steps: S71. Establish a data set of risk levels corresponding to hardware configuration professional level and service quality level of used car appraisal institutions ,in Indicates the professional level identification result data of the hardware configuration of the second-hand car appraisal agency The third level, the second-hand car appraisal agency service quality level identification result data When it is level three, the corresponding risk level data of the second-hand car appraisal agency is high risk, and high risk means that the appraisal documents of the second-hand car appraisal agency have a probability of being forged greater than 80% to 90%; Indicates the professional level identification result data of the hardware configuration of the second-hand car appraisal agency The identification result data of the service quality level of the second-hand car appraisal agency is level 1 When it is level 2, the corresponding risk level data of the second-hand car appraisal agency is medium risk, and medium risk means that the appraisal documents of the second-hand car appraisal agency have a probability of 55% to 60% of being forged; Indicates the professional level identification result data of the hardware configuration of the second-hand car appraisal agency The identification result data of the service quality level of the second-hand car appraisal agency is level 1 When it is level one, the corresponding risk level data of the second-hand car appraisal agency is low risk, and low risk means that the appraisal documents of the second-hand car appraisal agency have a probability of 20% to 30% of being forged; S72, using a depth-limited algorithm to identify the professional level of hardware configuration of the second-hand car appraisal agency and the identification result data of the service quality level of the second-hand car appraisal agency A risk level data set corresponding to the hardware configuration professional level and service quality level of the second-hand car appraisal agency The risk level data of the second-hand car appraisal institution is matched by characters according to the hardware configuration professional level and service quality level, and the hardware configuration professional level recognition result data of the second-hand car appraisal institution is searched out. and the identification result data of the service quality level of the second-hand car appraisal agency The corresponding second-hand car appraisal agency risk level data and the identification generate the second-hand car appraisal agency information risk level assessment result data , The value can be any one of high risk, medium risk, and low risk; S73, the risk level assessment result data of the second-hand car appraisal agency information Pushed to mobile clients via mobile communication networks.

9. A second-hand car information risk assessment system based on big data, used to implement a second-hand car information risk assessment method based on big data according to any one of claims 1 to 8, characterized in that: The system includes a used car information collection and management module, a used car information level analysis module, and a used car information risk assessment and push module.

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