A car warehouse financing order management system

Abstract

This invention relates to the field of auto financing, and in particular to an auto warehouse financing warehouse receipt management system. The system includes a client, a platform, a warehouse, and an institution. The client submits a preliminary review and confirmation application to the institution through the platform. After the institution approves the application, the platform sends a vehicle entry reservation application to the client. The warehouse verifies the vehicle's entry and monitors it in real time, sending a warehouse receipt to the platform. Upon receiving the warehouse receipt, the platform applies for an insurance policy from an insurance institution and then sends the warehouse receipt, the insurance policy, and the monitored vehicle information to the institution. The institution confirms the validity of the title to the goods and completes the transfer of title through the platform's endorsement before confirming loan disbursement to the client. This reduces the time and risk for banks or financial institutions in assessing customer credit risk and maintaining the underlying assets, thus lowering the loan process time and risk.

Description

Technical Field

[0001] This invention relates to the field of auto financing, and in particular to an auto warehouse receipt management system. Background Technology

[0002] Vehicle inventory financing is a financing method that uses vehicles as collateral. Borrowers apply for loans from banks or financial institutions by using their vehicles as collateral. The loan amount is usually a certain percentage of the vehicle's appraised value. Vehicle inventory financing provides a quick financing method for car dealers and individual car owners. For car dealers, this method can help them expand their operations, purchase more inventory vehicles, or make other business investments. For individual car owners, vehicle inventory financing can be used to meet other financial needs, such as paying tuition fees or home renovations. Using vehicles as collateral can reduce loan risk, making it easier for banks to approve loans. Therefore, vehicle inventory financing has become a common financing option.

[0003] Currently, vehicle inventory financing works as follows: The borrower submits an application to a bank or financial institution; the bank assesses the creditworthiness of the collateralized vehicle and the borrower; based on the assessment results, it decides whether to approve the loan application and the loan details; if the loan application is approved, the borrower and the bank will sign a loan contract; according to the contract, the borrower must transfer ownership of the vehicle to the bank and register the vehicle as collateral with the relevant authorities; once the loan contract takes effect, the bank will transfer the loan amount to the borrower's account. The borrower repays the loan principal and interest on time according to the repayment method and term stipulated in the contract.

[0004] This requires banks or financial institutions to spend a lot of time and energy assessing customers' credit risk and maintaining the underlying assets, which increases the time and risk of the loan process for banks or financial institutions to provide loans to customers. Summary of the Invention

[0005] Therefore, it is necessary to provide a vehicle warehouse receipt management system to address the above-mentioned problems.

[0006] The present invention is implemented as follows: a car warehouse financing receipt management system, which includes a client, a platform, a warehouse, and an institution.

[0007] The client is used to submit the initial review of the loan application to the institution, receive the vehicle reservation entry notification from the platform, and send the repayment confirmation and the warehouse exit vehicle receipt confirmation to the institution.

[0008] The platform is used to receive the preliminary review and confirmation application from the institution, send a vehicle reservation entry notification to the client, receive the warehouse receipt from the warehouse, apply for an insurance policy from the insurance institution, receive the insurance policy from the insurance institution, send the warehouse receipt, insurance policy and vehicle information under supervision to the institution, receive the outbound notification from the institution and send an outbound notification to the warehouse.

[0009] The warehouse terminal is used to confirm the verification results of inbound vehicles, monitor inbound vehicles in real time, send warehouse receipts to the platform terminal, receive outbound notifications from the platform terminal, verify and confirm the information of the consignee on the client terminal, and confirm the outbound of outbound vehicles.

[0010] The institution is used to review the initial review of the warehouse financing application submitted by the client, send the initial review confirmation application to the platform, receive the warehouse receipt, insurance policy and vehicle information under supervision sent by the platform, confirm the validity of the title to the goods and the transfer of title to the goods through the endorsement of the platform, confirm the loan to the client, confirm the repayment to the client and send the warehouse release notice to the platform.

[0011] The vehicle warehouse receipt management system provided in this embodiment of the invention connects the client, warehouse, and institution through a platform. After the bank or financial institution assesses the customer through the institution, it sends a preliminary confirmation application through the client. The warehouse verifies the vehicle entering the warehouse and monitors the vehicle. The institution confirms the validity of the title to the goods and transfers the title to the goods through the endorsement of the platform. In this way, the bank or financial institution does not need to spend a lot of time and energy to assess the credit risk of the customer and maintain the underlying assets. This reduces the process time and risk for the bank or financial institution to lend to the customer. Attached Figure Description

[0012] Figure 1 This is a structural block diagram of a car warehouse receipt management system in one embodiment;

[0013] Figure 2 This is a flowchart illustrating real-time monitoring of vehicles entering the warehouse in one embodiment;

[0014] Figure 3 This is a block diagram of the internal structure of a computer device in one embodiment. Detailed Implementation

[0015] To make the objectives, technical solutions, and advantages of this invention clearer, the invention will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative and not intended to limit the invention.

[0016] It is understood that the terms "first," "second," etc., used in this invention may be used to describe various elements herein, but unless specifically stated otherwise, these elements are not limited by these terms. These terms are used only to distinguish one element from another. For example, without departing from the scope of this invention, a first script may be referred to as a second script, and similarly, a second script may be referred to as a first script.

[0017] like Figure 1 As shown, in one embodiment, a car warehouse receipt management system is proposed, which may specifically include a client, a platform, a warehouse, and an institution.

[0018] The client is used to submit the initial review of the loan application to the institution, receive the vehicle reservation entry notification from the platform, and send the repayment confirmation and the warehouse exit vehicle receipt confirmation to the institution.

[0019] The platform is used to receive the preliminary review and confirmation application from the institution, send a vehicle reservation entry notification to the client, receive the warehouse receipt from the warehouse, apply for an insurance policy from the insurance institution, receive the insurance policy from the insurance institution, send the warehouse receipt, insurance policy and vehicle information under supervision to the institution, receive the outbound notification from the institution and send an outbound notification to the warehouse.

[0020] The warehouse terminal is used to confirm the verification results of inbound vehicles, monitor inbound vehicles in real time, send warehouse receipts to the platform terminal, receive outbound notifications from the platform terminal, verify and confirm the information of the consignee on the client terminal, and confirm the outbound of outbound vehicles.

[0021] The institution is used to review the initial review of the warehouse financing application submitted by the client, send the initial review confirmation application to the platform, receive the warehouse receipt, insurance policy and vehicle information under supervision sent by the platform, confirm the validity of the title to the goods and the transfer of title to the goods through the endorsement of the platform, confirm the loan to the client, confirm the repayment to the client and send the warehouse release notice to the platform.

[0022] In this embodiment, customers, warehouse owners, and financial institutions need to submit their authentication information on the platform and undergo platform verification before they can perform normal system operations.

[0023] In this embodiment, submitting the initial review of the financing application is when the customer applies for financing from a financial institution and submits credit application materials.

[0024] In this embodiment, after receiving the vehicle reservation notification from the platform, the customer delivers the vehicle to the warehouse.

[0025] In this embodiment, the customer confirms the repayment on the client side after making the repayment to the institution.

[0026] In this embodiment, the customer confirms receipt on the client side after receiving the outbound vehicle from the warehouse.

[0027] In this embodiment, the platform operates and controls the process as an independent third-party platform, separating the client, warehouse, and institutional ends to prevent the falsification of asset and business data.

[0028] In this embodiment, the warehouse receipt sent by the warehouse is an electronic warehouse receipt. The warehouse receipt information includes relevant information of the depositor, relevant information of the custodian, relevant information of the warehouse, relevant information of the goods, relevant information of the insurance, warehouse receipt value, and warehouse receipt effective time, etc.

[0029] In this embodiment, real-time monitoring of vehicles entering the warehouse is achieved by the intelligent warehouse management system at the warehouse end, which monitors the warehouse and displays the monitoring screen on the warehouse end.

[0030] In this embodiment, the smart warehouse management system at the warehouse end has functions such as IoT monitoring, fire emergency response, personnel management, goods management and early warning alarm.

[0031] In this embodiment, if the early warning alarm function is triggered, the warehouse can push messages to warehouse management personnel via WeChat, DingTalk, SMS, email, etc.

[0032] In this embodiment, both the loan disbursement status on the institution's side and the repayment status on the client's side can be viewed on the platform.

[0033] In this embodiment, the entire process of a vehicle's journey from entry into the warehouse to monitoring and finally to customer signature upon exit can be displayed on the platform.

[0034] The vehicle warehouse receipt management system provided in this embodiment of the invention connects the client, warehouse, and institution through a platform. After the bank or financial institution assesses the client through the institution and confirms the preliminary review application sent by the client through the client, the warehouse assesses the vehicle to be stored by the client and monitors the vehicle. The institution confirms the validity of the title to the goods and transfers the title to the goods through the endorsement of the platform. In this way, the bank or financial institution does not need to spend a lot of time and energy to assess the credit risk of the client and maintain the underlying assets. This reduces the process time and risk for the bank or financial institution to lend to the client.

[0035] In one embodiment, after receiving the reservation for a vehicle to be stored from the platform, the client needs to submit information about the vehicle to be stored, including the vehicle model, number of vehicles, vehicle price, vehicle invoice, delivery driver information, and arrival time.

[0036] In this embodiment, the information provided is to facilitate vehicle verification by the warehouse.

[0037] In one embodiment, the verification results of the vehicles entering the warehouse include the results of random sampling of the vehicles, the results of binding the vehicles to IoT devices, and the results of entering the warehouse to the designated storage location.

[0038] In this embodiment, after the vehicle enters the warehouse, it needs to be equipped with devices that can provide positioning, such as OBD and RFID tags.

[0039] In this embodiment, the verification of the vehicle entering the warehouse also includes recording relevant vehicle information for each vehicle after the random inspection results are correct. This information includes photos of the vehicle from the front, rear, left, and right, photos of the engine, mileage, vehicle model, handover form, and parking space number.

[0040] like Figure 2 As shown, in one embodiment, the real-time monitoring of vehicles entering the warehouse includes:

[0041] Acquire images captured by all cameras;

[0042] Identify all vehicles in the images captured by the camera;

[0043] The identified vehicles are compared with vehicles in the database to determine the vehicle model;

[0044] Based on the determined vehicle model, determine the corresponding target area for the vehicle;

[0045] Identify all license plates in the images captured by the camera;

[0046] Calculate the tilt angle of each license plate separately;

[0047] For any vehicle whose license plate is identified from the identified vehicles, the recognition area of ​​the vehicle in the image captured by the camera is determined according to the set target area of ​​the vehicle and the tilt angle of the corresponding license plate.

[0048] Determine whether there is a pixel difference between the pixels in the recognition area in two adjacent frames. If so, identify the vehicle X corresponding to the area with the pixel difference.

[0049] The image corresponding to the recognition area of ​​vehicle X in all the images captured by the cameras is magnified and displayed on the screen.

[0050] In this embodiment, vehicle recognition technology is used to identify all vehicles in the images captured by the camera, and there are various ways to implement this technology in the prior art.

[0051] In this embodiment, the parking space information stores vehicle-related information, and the vehicle model can also be determined by identifying the parking space.

[0052] In this embodiment, determining the vehicle model allows us to know various parameters of the vehicle, such as its length, width, height, and the height of the windshield from the ground.

[0053] In this embodiment, the target area refers to the spatial area of ​​the vehicle on the physical object, not the recognition area of ​​the vehicle in the image captured by the camera.

[0054] In this embodiment, license plate recognition technology is used to identify all license plates in the images captured by the camera. There are various ways to implement this technology.

[0055] In this embodiment, the tilt angle of the license plate can be obtained using tilt correction methods such as Radon transform and Hough transform.

[0056] In this embodiment, the recognition area refers to the area composed of pixels in the image of the vehicle captured by the camera.

[0057] In this embodiment, if the pixels in the recognition area do not show a pixel difference in two adjacent frames, no operation is performed.

[0058] In this embodiment, for any image captured by any camera, there may be vehicles whose license plates cannot be identified, for example, because the license plate is obscured by other vehicles or pillars, or because the camera angle does not capture the license plate. For a single vehicle, multiple cameras can capture the vehicle from multiple angles, so it is only necessary to determine the recognition area of ​​the vehicle from the images captured by other cameras.

[0059] In this embodiment, the images corresponding to the recognition area of ​​vehicle X in the images captured by all cameras are magnified and displayed on the screen. For example, if the screen originally displays the images of 4*4 cameras, and there is a pixel difference in the recognition area of ​​vehicle X, and two of the 4*4 cameras have the recognition area of ​​vehicle X, then the recognition area of ​​vehicle X in these two cameras is magnified and displayed on the screen, so that the screen displays the image of the recognition area of ​​vehicle X from 1*2 cameras.

[0060] In this embodiment, if someone enters the recognition area in the image captured by the camera, the display magnifies that area so that the warehouse can directly observe the scene. To prevent the image from being magnified whenever someone passes by a vehicle, the recognition area needs to be set as small as possible while still ensuring that the approach of a person can be detected.

[0061] In one embodiment, determining the designated target area for the corresponding vehicle based on the determined vehicle model includes:

[0062] Based on the determined vehicle model, find the corresponding 3D model of the vehicle;

[0063] For any 3D model, set a cuboid with the length of the vehicle body as the length, the width of the front of the vehicle as the width, and the height of the windshield as the height, and place the cuboid at the same height as the windshield. The area where the cuboid is located is defined as the target area.

[0064] In this embodiment, the target area is set in order to identify whether the window areas of the front seat and the two side doors have changed.

[0065] In one embodiment, determining the recognition area of ​​the vehicle in the image captured by the camera based on the vehicle's designated target area and the tilt angle of the corresponding license plate includes:

[0066] The 3D model of the vehicle is rotated according to the tilt angle of the license plate, while keeping the target area rotated synchronously.

[0067] The planar dimensions of the rotated 3D model are scaled to match the planar dimensions of the vehicle identified in the image captured by the camera, while maintaining synchronous scaling of the set target area;

[0068] The area in the vehicle identified in the image captured by the camera that is the same as the planar area of ​​the set target area is determined as the recognition area.

[0069] In this embodiment, the identified license plate could be either the license plate of the vehicle in front or the license plate of the vehicle behind. However, the target area is a rectangular prism in space, and the license plate of the vehicle in front or the license plate of the vehicle behind can be a rotation of the target area.

[0070] In this embodiment, since the width of the cuboid is the width of the vehicle, which is wider than the length of the windshield, if the image captured by the camera shows the vehicle as a front view or a rear view, the planar area of ​​the width of the cuboid can identify whether the area where the windows of the two side doors are located has changed. For example, if the door is opened or someone enters the driver's seat, the set target area will change, and the corresponding image captured by the camera will show a change in the recognition area.

[0071] In one embodiment, determining whether there is a pixel difference between the pixels in the recognition area in two adjacent frames includes:

[0072] For any pixel in the recognition area, the pixel difference is obtained by subtracting the pixel values ​​of the two frames before and after the pixel.

[0073] Determine if the pixel difference is 0. If it is, there is no pixel difference; otherwise, there is a pixel difference.

[0074] In this embodiment, the pixel value is an RGB value. The RGB values ​​of the pixel remain unchanged between the two frames before and after the pixel, that is, the difference is 0, which means there is no pixel difference.

[0075] In this embodiment, when a person enters the recognition area or the door of the vehicle in the recognition area changes, a pixel difference will appear in the recognition area.

[0076] In one embodiment, the warehouse sends warehouse receipts to the platform via a blockchain warehouse receipt trading service platform.

[0077] In this embodiment, the blockchain warehouse receipt service platform provides full-cycle warehouse receipt data sharing, storage, traceability and verification services.

[0078] In this embodiment, the use of a blockchain warehouse receipt trading service platform to send warehouse receipts ensures that the source data of the warehouse receipts cannot be falsified. The warehouse receipt data includes the entire process from warehouse entry to warehouse exit, and each piece of data uploaded to the blockchain requires consensus from multiple parties to endorse the data uploaded to the blockchain. Warehouses and financial institutions can view the data of the warehouse receipts throughout the entire lifecycle in real time. Once a problem of warehouse receipt data falsification occurs, the unique identifier on the blockchain can be used to trace back and locate the link that tampered with the data.

[0079] Figure 3 An internal structural diagram of a computer device in one embodiment is shown. Figure 3 As shown, the computer device includes a processor, memory, network interface, input device, and display screen connected via a system bus. The memory includes a non-volatile storage medium and internal memory. The non-volatile storage medium stores an operating system and may also store a computer program. When executed by the processor, this computer program enables the processor to perform the corresponding steps executed by the client, platform, warehouse, or institution in the vehicle warehouse receipt management system provided in any embodiment of the present invention. The internal memory may also store a computer program. When executed by the processor, this computer program enables the processor to perform the corresponding steps executed by the client, platform, warehouse, or institution in the vehicle warehouse receipt management system provided in any embodiment of the present invention. The display screen of the computer device can be a liquid crystal display screen or an e-ink display screen. The input device of the computer device can be a touch layer covering the display screen, or buttons, a trackball, or a touchpad provided on the casing of the computer device, or an external keyboard, touchpad, or mouse, etc.

[0080] Those skilled in the art will understand that Figure 3 The structure shown is merely a block diagram of a portion of the structure related to the present invention and does not constitute a limitation on the computer device to which the present invention is applied. A specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have different component arrangements.

[0081] In one embodiment, a computer device is provided, the computer device including a memory, a processor, and a computer program stored in the memory and executable on the processor, the processor executing the computer program to implement the corresponding steps performed by the client, platform, warehouse, or institution in the automobile warehouse receipt management system provided in any embodiment of the present invention.

[0082] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the processor can implement the corresponding steps performed by the client, platform, warehouse, or institution in the automobile warehouse receipt management system provided in any embodiment of the present invention.

[0083] It should be understood that although the steps in the flowcharts of the various embodiments of the present invention are shown sequentially according to the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless explicitly stated herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least some steps in the various embodiments may include multiple sub-steps or multiple stages. These sub-steps or stages are not necessarily completed at the same time, but can be executed at different times. The execution order of these sub-steps or stages is not necessarily sequential, but can be performed alternately or in turn with other steps or at least a portion of the sub-steps or stages of other steps.

[0084] Those skilled in the art will understand that all or part of the processes in the methods of the above embodiments can be implemented by a computer program instructing related hardware. The program can be stored in a non-volatile computer-readable storage medium, and when executed, it can include the processes of the embodiments of the above methods. Any references to memory, storage, databases, or other media used in the embodiments provided by this invention can include non-volatile and / or volatile memory. Non-volatile memory can include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory. Volatile memory can include random access memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in various forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), dual data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link DRAM (SLDRAM), RAMbus direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and RAMbus dynamic RAM (RDRAM), etc.

[0085] The technical features of the above embodiments can be combined in any way. For the sake of brevity, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this specification.

[0086] The embodiments described above are merely examples of several implementations of the present invention, and while the descriptions are relatively specific and detailed, they should not be construed as limiting the scope of the present invention. It should be noted that those skilled in the art can make various modifications and improvements without departing from the concept of the present invention, and these modifications and improvements all fall within the scope of protection of the present invention.

Claims

1. A warehouse receipt management system for automobile storage, characterized in that, The vehicle warehouse receipt management system includes a client, a platform, a warehouse, and an institution. The client is used to submit the initial review of the loan application to the institution, receive the vehicle reservation entry notification from the platform, and send the repayment confirmation and the warehouse exit vehicle receipt confirmation to the institution. The platform is used to receive the preliminary review and confirmation application from the institution, send a vehicle reservation entry notification to the client, receive the warehouse receipt from the warehouse, apply for an insurance policy from the insurance institution, receive the insurance policy from the insurance institution, send the warehouse receipt, insurance policy and vehicle information under supervision to the institution, receive the outbound notification from the institution and send an outbound notification to the warehouse. The warehouse terminal is used to confirm the verification results of inbound vehicles, monitor inbound vehicles in real time, send warehouse receipts to the platform terminal, receive outbound notifications from the platform terminal, verify and confirm the information of the consignee on the client terminal, and confirm the outbound of outbound vehicles. The institution is used to review the initial review of the warehouse financing application submitted by the client, send the initial review confirmation application to the platform, receive the warehouse receipt, insurance policy and vehicle information under supervision sent by the platform, confirm the validity of the title to the goods and transfer the title to the goods through the endorsement of the platform, confirm the loan to the client, confirm the repayment to the client and send the warehouse release notice to the platform. The real-time monitoring of vehicles entering the warehouse includes: Acquire images captured by all cameras; Identify all vehicles in the images captured by the camera; The identified vehicles are compared with vehicles in the database to determine the vehicle model; Based on the determined vehicle model, determine the corresponding target area for the vehicle; Identify all license plates in the images captured by the camera; Calculate the tilt angle of each license plate separately; For any vehicle whose license plate is identified from the identified vehicles, the recognition area of ​​the vehicle in the image captured by the camera is determined according to the set target area of ​​the vehicle and the tilt angle of the corresponding license plate. Determine whether there is a pixel difference between the pixels in the recognition area in two adjacent frames. If so, identify the vehicle X corresponding to the area with the pixel difference. The image corresponding to the recognition area of ​​vehicle X in all the images captured by the cameras is magnified onto the display screen; The step of determining the designated target area for the corresponding vehicle based on the determined vehicle model includes: Based on the determined vehicle model, find the corresponding 3D model of the vehicle; For any 3D model, set a cuboid with the length of the vehicle body as the length, the width of the front of the vehicle as the width, and the height of the windshield as the height, and place the cuboid at the same height as the windshield. Record the area where the cuboid is located as the target area. Based on the vehicle's designated target area and the tilt angle of its corresponding license plate, the recognition area of ​​the vehicle in the image captured by the camera is determined, including: The 3D model of the vehicle is rotated according to the tilt angle of the license plate, while keeping the target area rotated synchronously. The planar dimensions of the rotated 3D model are scaled to match the planar dimensions of the vehicle identified in the image captured by the camera, while maintaining synchronous scaling of the set target area; The area in the vehicle identified in the image captured by the camera that is the same as the planar area of ​​the set target area is determined as the recognition area.

2. The vehicle warehouse receipt management system according to claim 1, characterized in that, After receiving the reservation for a vehicle from the platform, the client needs to submit information about the vehicle, including the vehicle model, quantity, price, invoice, delivery driver information, and arrival time.

3. The vehicle warehouse receipt management system according to claim 1, characterized in that, The verification results of the vehicles entering the warehouse include the results of random inspections of the vehicles, the results of binding the vehicles to IoT devices, and the results of the vehicles being stored in designated storage locations.

4. The vehicle warehouse receipt management system according to claim 1, characterized in that, The determination of whether there is a pixel difference between the pixels in the recognition area in two adjacent frames includes: For any pixel in the recognition area, the pixel difference is obtained by subtracting the pixel values ​​of the two frames before and after the pixel. Determine if the pixel difference is 0. If it is, there is no pixel difference; otherwise, there is a pixel difference.

5. The vehicle warehouse receipt management system according to claim 1, characterized in that, The warehouse sends warehouse receipts to the platform through the blockchain warehouse receipt trading service platform.

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