Vehicle valuation method and device based on detachable business process, equipment and medium
By adopting split business processes and image processing technology in vehicle valuation, the problems of low vehicle valuation efficiency and privacy information leakage are solved, evaluation efficiency and privacy protection are improved, and business loss and manual workload are reduced.
Patent Information
- Application Number
- CN202411261596.0
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-09-09
- Publication Date
- 2024-12-20
AI Technical Summary
During vehicle sales, the vehicle valuation efficiency is low, especially when the vehicle certificate is not obtained in time, it is difficult for salesmen to complete the assessment, resulting in a long wait time, which may lead to business loss, and there is a risk of privacy information leakage.
Using a vehicle valuation method based on split business processes, selecting appropriate business processes through business terminals, splitting data evaluation processes, allowing salesmen to perform evaluations in step by step, improving efficiency, and protecting private information through image processing algorithms to avoid sensitivity Data breach.
It improves the processing efficiency and adaptability of vehicle valuation, reduces waiting time, reduces manual coding workload, protects private information, reduces business loss, and improves the operation efficiency of leasing companies.
Smart Images
Figure CN119168672A_ABST
Abstract
Description
Technical Field
[0001] The present application relates to the field of data processing, and in particular to a vehicle valuation method, device, equipment and medium based on a separable business process. Background Art
[0002] In the vehicle sales process, because the vehicle price is high, the buyer will purchase the vehicle in installments from a financial company (including bank credit loan installments, financial leasing monthly rent payments, etc.). Taking a financial leasing company as an example, the vehicle buyer (i.e., the lessee) provides funds to purchase the vehicle in one lump sum, and the lessee needs to pay a certain amount of down payment and pay rent every month. New cars are generally priced by the manufacturer, but used cars are generally priced by the market. Therefore, when a leasing company provides installment products to the lessee, it needs to evaluate the market value of the vehicle to avoid risks caused by overvaluation.
[0003] Generally, the process of vehicle valuation is as follows: the front-line salesperson uses the App to take photos of the vehicle's documents, photos, and videos, and then the appraiser gives an appraisal price based on the photos and videos.
[0004] At present, the relevant technology is mainly evaluated by a third-party evaluation company, that is, after the front-line salesperson uses the App to take photos, the financial institution's IT system sends the relevant photos to the third-party company for evaluation. The relevant photos include registration certificate photos, driving license photos, and vehicle photos.
[0005] Among them, the registration certificate and driving license photos include the vehicle's parameter information, which is necessary information for evaluation. However, the documents include the owner's name and ID card information, which is user privacy information. There are risks when transmitting it to a third-party company, so the private information needs to be mosaiced (hereinafter referred to as coding) before it can be sent out.
[0006] In actual vehicle sales scenarios, there are situations where the vehicle's documents are not obtained in time, but the vehicle is in a hurry to leave. Even if the salesperson has taken photos of the vehicle, he cannot submit them, and the appraiser cannot confirm whether the photos taken meet the requirements or whether there are any unclear points that affect the appraisal price. Once the vehicle is driven away for transportation, the salesperson needs to wait a long time to find the vehicle again to take photos of the vehicle, which greatly reduces the efficiency of vehicle valuation. In this process, the salesperson is likely to lose business.
[0007] Therefore, how to improve the efficiency of vehicle valuation has become a technical problem that needs to be solved urgently. Summary of the invention
[0008] The present application provides a vehicle valuation method, device, equipment and medium based on a decomposable business process, aiming to improve the efficiency of vehicle valuation.
[0009] In a first aspect, the present application provides a vehicle valuation method based on a separable business process, the vehicle valuation method based on a separable business process comprising the following steps:
[0010] Receiving a business process selection instruction sent by a business terminal;
[0011] Based on the target business process corresponding to the business process selection instruction, receiving the business evaluation splitting data sent by the business terminal;
[0012] Sending the business evaluation split data to the business evaluation terminal, and receiving the business evaluation result fed back by the business evaluation terminal;
[0013] The business evaluation result is sent to the business terminal to complete the target business process.
[0014] In a second aspect, the present application further provides a vehicle valuation device based on a separable business process, the vehicle valuation device based on a separable business process comprising:
[0015] An instruction receiving module, used for receiving a business process selection instruction sent by a business terminal;
[0016] A data receiving module, configured to receive the business evaluation splitting data sent by the business terminal based on the target business process corresponding to the business process selection instruction;
[0017] A business evaluation module, used to send the business evaluation split data to the business evaluation terminal, and receive the business evaluation result fed back by the business evaluation terminal;
[0018] The evaluation result feedback module is used to send the business evaluation result to the business terminal to complete the target business process.
[0019] In a third aspect, the present application also provides a computer device, comprising a processor, a memory, and a computer program stored in the memory and executable by the processor, wherein when the computer program is executed by the processor, the steps of the vehicle valuation method based on a decomposable business process as described above are implemented.
[0020] In a fourth aspect, the present application further provides a computer-readable storage medium having a computer program stored thereon, wherein when the computer program is executed by a processor, the steps of the vehicle valuation method based on a decomposable business process as described above are implemented.
[0021] The present application provides a vehicle valuation method, device, computer equipment and storage medium based on a divisible business process. The present application method provides optional business processes so that the business terminal can select the most appropriate business process according to the actual scenario, and then generate the corresponding target business process through the business process selection instruction, so that the business terminal's business personnel can select the appropriate business process according to the actual business needs, reducing the waiting time and improving the adaptability, flexibility and efficiency of business processing. According to the target business process, the business evaluation split data is collected, and the business evaluation split data is evaluated through the business evaluation terminal to obtain the business evaluation results. By splitting the business data, the evaluator of the business evaluation terminal can execute the business evaluation process step by step, so as to conduct business evaluation more efficiently and improve the processing efficiency of the vehicle valuation business. BRIEF DESCRIPTION OF THE DRAWINGS
[0022] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.
[0023] Figure 1 A flowchart of a first embodiment of a vehicle valuation method based on a separable business process provided by the present application;
[0024] Figure 2 A flow chart of a second embodiment of a vehicle valuation method based on a separable business process provided by the present application;
[0025] Figure 3 A schematic diagram of a vehicle valuation business process framework for an optional business process provided for this application;
[0026] Figure 4 A flowchart of a third embodiment of a vehicle valuation method based on a separable business process provided by the present application;
[0027] Figure 5 It is a structural schematic diagram of a first embodiment of a vehicle valuation device based on a separable business process provided by the present application;
[0028] Figure 6 It is a schematic block diagram of the structure of a computer device provided in an embodiment of the present application.
[0029] The realization of the purpose, functional features and advantages of this application will be further explained in conjunction with embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION
[0030] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.
[0031] The flowcharts shown in the accompanying drawings are only examples and do not necessarily include all the contents and operations / steps, nor must they be executed in the order described. For example, some operations / steps may also be decomposed, combined or partially merged, so the actual execution order may change according to actual conditions.
[0032] In conjunction with the accompanying drawings, some embodiments of the present application are described in detail below. In the absence of conflict, the following embodiments and features in the embodiments can be combined with each other.
[0033] Please refer to Figure 1 , Figure 1 A flowchart of a first embodiment of a vehicle valuation method based on a separable business process provided in this application.
[0034] like Figure 1 As shown, the vehicle valuation method based on the divisible business process includes steps S101 to S103.
[0035] S101, receiving a service process selection instruction sent by a service terminal;
[0036] In one embodiment, a salesperson initiates a request for a vehicle valuation service to a cloud server through a business terminal, and then selects an optional business process option provided by the cloud server according to actual needs of the vehicle valuation service, generates a business process selection instruction, and informs the cloud server to create a corresponding business process.
[0037] In one embodiment, before step S101, it also includes: generating business process options based on the business request initiated by the business terminal, wherein the business process options include a first business process option and a second business process option; and generating the business process selection instruction based on the target business process selected by the business terminal in the business process options.
[0038] In one embodiment, when a salesperson needs to conduct a vehicle valuation, he / she can initiate a business request to the cloud server through a business terminal (such as a smart phone, tablet computer, laptop computer, or other smart device) to create a valuation task for the target vehicle. For example, the salesperson can log in to the vehicle valuation system (such as an APP / applet, etc.) through the business terminal, initiate a business request in the vehicle valuation system, and create a vehicle valuation task for the target vehicle.
[0039] In one embodiment, when the business terminal initiates a business request, the cloud server may generate one or more optional business process options according to the business request, such as a first business process option and a second business process option. When the business operator selects different business process options through the business terminal, the business terminal generates a corresponding business process selection instruction according to the target business process option selected by the business operator by clicking or inputting, and sends the business process selection instruction from the business terminal to the cloud server, and the cloud server creates the corresponding target business process according to the business process selection instruction.
[0040] S102, receiving the business evaluation splitting data sent by the business terminal based on the target business process corresponding to the business process selection instruction;
[0041] In one embodiment, when the cloud server receives the business process selection instruction, it generates the corresponding target business process according to the business process selection instruction, and then executes the steps of the target business process in sequence. First, the cloud server can initiate a data collection request to the business terminal, and the business operator can upload the corresponding business evaluation split data according to the data collection request.
[0042] In one embodiment, the business evaluation split data includes vehicle information and / or vehicle owner information of the target vehicle.
[0043] In one embodiment, the data collection request may include the data type and data format required for the business evaluation. For example, the salesperson can upload photo data, that is, the salesperson takes a photo of the required data and uploads the business evaluation split data obtained after taking the photo. The data requirements can be indicated in the data collection request, including but not limited to what vehicle information is required (such as vehicle appearance, brand, configuration information, frame number, vehicle production time and historical accident information, etc.), what owner information is required (such as owner registration certificate, driving license, etc.), the clarity requirements, angle, format, etc. of the photos taken, etc.
[0044] In one embodiment, the business operator collects corresponding business assessment split data according to the data requirements in the data collection request, and uploads the business assessment split data to the cloud server through the business terminal. The cloud server receives the business assessment split data sent by the business terminal in sequence according to the target business process.
[0045] S103, sending the business evaluation split data to a business evaluation terminal, and receiving a business evaluation result fed back by the business evaluation terminal;
[0046] In one embodiment, the business evaluation terminal may be an evaluation system of a third-party evaluation organization. The business evaluator of the business evaluation terminal evaluates the business evaluation split data, performs vehicle valuation on the target vehicle, outputs the business evaluation results, and sends the business evaluation results to the cloud server, which then forwards the business evaluation results to the business terminal.
[0047] In one embodiment, the business evaluation results may include information such as vehicle condition analysis, vehicle valuation, and valuation reasons.
[0048] For example, vehicle condition analysis may include vehicle appearance, interior condition, mechanical condition, and electronic equipment, such as whether there are scratches, dents, and rust on the vehicle body, the degree of wear and tear on interior decorations such as seats, dashboards, and carpets, the working conditions of key components such as the engine, transmission, and suspension system, and the functionality of electronic equipment such as the audio system, navigation system, and air conditioning.
[0049] For example, a vehicle valuation may be given based on factors such as the vehicle's brand, model, year, mileage, market demand, etc., combined with vehicle condition analysis results and market conditions.
[0050] For example, the business appraiser may explain in detail the basis for the valuation, including the positive factors (such as low mileage, good maintenance record, etc.) and negative factors (such as accident history, aging of components, etc.) of the vehicle, and may also include a comparative analysis with other similar vehicles to prove the reasonableness of the valuation.
[0051] S104: Send the business evaluation result to the business terminal to complete the target business process.
[0052] In one embodiment, the business evaluation result is sent to the business terminal so that the salesperson can perform reasonable marketing tasks according to the business evaluation result, and the salesperson is required to confirm the end of the target business process at the business terminal.
[0053] Optionally, the business assessment results can be structured into a list or text document format according to different assessment items to generate a detailed business assessment report for easy reading by sales staff and customers.
[0054] Optionally, the business valuation report can be converted to an electronic format, such as a PDF or Word document, so that it can be sent electronically.
[0055] This embodiment provides a vehicle valuation method based on a divisible business process. The present application method provides optional business processes so that the business terminal can select the most appropriate business process according to the actual scenario, and then generate the corresponding target business process through the business process selection instruction, so that the business terminal's business personnel can select the appropriate business process according to the actual business needs, reducing waiting time and improving the adaptability, flexibility and efficiency of business processing. According to the target business process, the business evaluation split data is collected, and the business evaluation split data is evaluated through the business evaluation terminal to obtain the business evaluation results. By splitting the business data, the evaluator of the business evaluation terminal can execute the business evaluation process step by step, so as to conduct business evaluation more efficiently and improve the processing efficiency of the vehicle valuation business.
[0056] Please refer to Figure 2 , Figure 2 A flowchart of a second embodiment of a method for verifying insurance policies based on real-time network communication provided in this application.
[0057] In one embodiment, the business process selection instruction includes a first business process selection instruction and a second business process. The business evaluation splitting data includes first evaluation data and second evaluation data.
[0058] In this embodiment, Figure 2 As shown, based on the above Figure 1 In the illustrated embodiment, after step S101, the following steps are specifically performed:
[0059] S201, receiving the first evaluation data corresponding to the first evaluation stage sent by the business terminal based on the first business process corresponding to the first business process selection instruction;
[0060] In one embodiment, when the business process selection instruction is a first business process selection instruction, the cloud server may establish a first business process corresponding to the first business process selection instruction.
[0061] In one embodiment, when the salesperson cannot upload all the business assessment split data required for vehicle valuation to the cloud server at one time, the first business process can be split into a first assessment stage and a second assessment stage, and the business assessment split data can be uploaded in steps, that is, the first assessment data is uploaded in the first assessment stage, and the second assessment data is uploaded in the second assessment stage.
[0062] Specifically, Figure 3 As shown, it can be Figure 3 The business evaluation process shown is divided into two business evaluation processes, namely, data splitting evaluation process and data integrity evaluation process. Figure 3The business evaluation process in the system is divided into the following steps: S1. The salesperson selects whether an evaluation is required; S2. The salesperson only takes photos of the vehicle and submits an evaluation form; S3. The system only sends photos of the vehicle to a third party; S4. The third party determines whether the photo quality is qualified; S5. Inform the salesperson of the result. The salesperson supplements the ID photo. S6. The system sends the ID photo to the third party; S7. The third party gives an evaluation price; S8. The salesperson takes photos of the ID and the vehicle and submits an evaluation form; S9. The system automatically codes; S10. Manual coding; S11. The system sends the ID and vehicle photos to the third party.
[0063] In a specific embodiment, the salesperson selects "whether to need an evaluation" according to his own needs (for example, whether to make an evaluation price or just to check the quality of the photos first), and selects the corresponding business evaluation process (such as Figure 3 The first business process on the left in the figure). The business evaluation split data required for vehicle valuation includes the first evaluation data (such as vehicle data) and the second evaluation data (such as vehicle owner information). When the salesperson is temporarily unable to obtain the relevant certificate photos including the vehicle owner information, and the vehicle needs to be driven away, and the salesperson only wants the business evaluation terminal to evaluate the quality of the vehicle photos, he can select "Not Needed", that is, select the first business process, enter S2, and split the business evaluation split data and upload it to the cloud server.
[0064] This embodiment pre-arranges the processing of the scenario where the front-line salesperson does not need to evaluate the price / only needs to confirm the photo quality, splits the vehicle photo confirmation link and the ID photo coding and outsourcing link, saves manpower for manual coding, and avoids the generation of junk photo data when the salesperson randomly transmits a photo as an ID photo because he does not have an ID.
[0065] S202: sending the first evaluation data to the business evaluation terminal, and receiving a first evaluation result fed back by the business evaluation terminal based on the first evaluation data;
[0066] In one embodiment, in the first evaluation stage of the first business process, the salesperson only takes photos of the vehicle and collects vehicle data, such as photos of the vehicle's appearance, photos of the frame number, etc., and uploads the vehicle data through the business terminal. The cloud server then forwards the vehicle data to the business evaluation terminal, and the evaluator of the business evaluation terminal evaluates the vehicle data, such as judging whether the quality of the vehicle photo is qualified (such as whether the vehicle shooting angle completely covers the vehicle body, the clarity of the vehicle photo, etc.). If the quality of the vehicle photo is unqualified, it will be fed back to the business terminal through the cloud server to notify the salesperson to retake it. If the quality of the vehicle photo is qualified, enter S5. The S5 cloud server can send the vehicle photo qualification information to the business terminal to inform the salesperson that the photo meets the requirements.
[0067] This application proposes an optional precondition for the salesperson, namely, whether to "only judge the quality of the photo", to split the business process of vehicle valuation. The method of having the appraiser confirm the quality of the photo first and then provide the ID photo later solves the problem of needing to quickly confirm the quality of the photo before receiving it, reduces the situation where the salesperson loses orders, and improves the overall business of the leasing company. At the same time, according to the improved process, when the salesperson lacks ID photos, he can skip the system's automatic coding and waiting for manual coding, and can directly send the vehicle photos to the appraiser for quality confirmation, which greatly reduces the time spent on evaluation.
[0068] S203: When the first evaluation result is that the evaluation is passed, receiving the second evaluation data corresponding to the second evaluation stage sent by the service terminal within a preset period, and sending the second evaluation data to the service evaluation terminal;
[0069] In one embodiment, after the vehicle data evaluation is passed, the salesperson only needs to obtain the owner's information-related ID photos within a preset period to complete the ID photos, continue to perform the second evaluation stage of the first business process, and upload the owner's information-related photos to the cloud server. The cloud server forwards the owner's information-related ID photos to the business evaluation terminal.
[0070] S204: accept a second evaluation result fed back by the business evaluation terminal based on the first evaluation data and the second evaluation data, and send the second evaluation result to the business terminal to complete the first business process.
[0071] In one embodiment, a business assessor at a business assessment terminal estimates the value of a target vehicle based on vehicle data (first assessment data) and a photo of a certificate related to the vehicle owner (second assessment data), and feeds back the valuation result to the business terminal through a cloud server to inform the salesperson.
[0072] It is understandable that the business evaluation process is not limited to the first evaluation stage and the second evaluation stage shown in the embodiment of the present application; at the same time, the business evaluation split data is not limited to being split into the first evaluation data and the second evaluation data. The business evaluation process can be split into multiple evaluation stages according to actual needs, and correspondingly, the business evaluation split data can be split into multiple evaluation data.
[0073] The embodiment of the present application splits the process into two parts: no need for price evaluation / only need to confirm the photo quality. When there is no ID photo, it is only necessary to confirm whether the photo quality meets the requirements. This avoids the situation where the evaluation cannot be submitted or a photo is randomly uploaded, which increases the workload of manual coding. It improves the speed of manual review, helps salesmen quickly obtain the car price, and win the deal. For leasing companies, it can reduce the labor cost of setting up full-time reviewers and improve the efficiency of enterprise operation.
[0074] In another embodiment, the business process selection instruction includes a second business process selection instruction.
[0075] like Figure 4 As shown, based on the above Figure 1 In the illustrated embodiment, after step S101, the following steps are specifically included:
[0076] S301, collecting the business evaluation splitting data of the target vehicle based on the second business process corresponding to the second business process selection instruction;
[0077] In a specific embodiment, when the salesperson can simultaneously obtain the ID photo containing the owner's information (the second evaluation data) and the vehicle photo containing the vehicle data (the first evaluation data), he can select "need to be evaluated", that is, he needs to directly evaluate the target vehicle, select the second business process, and generate the second business process selection instruction. The cloud server enters S8 according to the second business process selection instruction and executes as follows: Figure 3 In the second business process shown on the right, the salesperson uploads the business assessment split data completely to the cloud server through the business terminal.
[0078] In a specific embodiment, when the salesperson can obtain complete business evaluation split data, he can select "when needed". Then the salesperson can take complete business evaluation split data such as ID photos and vehicle photos, and then send the business evaluation split data to the cloud server through the business terminal.
[0079] S302, performing image processing on the business evaluation split data based on an image processing algorithm to generate third evaluation data;
[0080] In one embodiment, the vehicle owner information can be mainly collected through the registration certificate at the time of vehicle registration, the vehicle owner's driving license, identity card and other documents. The vehicle owner information may contain sensitive text data such as the vehicle owner's name and identity card number. Therefore, before forwarding the business evaluation split data to the business evaluation terminal, the sensitive text data in the business evaluation split data needs to be masked to avoid leakage of sensitive information.
[0081] Furthermore, based on an image recognition algorithm, sensitive text data in the business evaluation split data is identified; based on an image filtering algorithm, the sensitive text data is filtered to generate the third evaluation data.
[0082] In one embodiment, if Figure 3As shown, when the cloud server performs image processing on the business evaluation split data, it can first identify the sensitive text data in the business evaluation split data through an image recognition algorithm, and can use existing image processing technology to automatically process the sensitive text data, such as coding (mosaic) and the like.
[0083] In one embodiment, the process of identifying sensitive text data may include: identifying a target text area in the business evaluation split data based on the image recognition algorithm; and identifying the sensitive text data in the target text area based on keyword matching and / or position matching.
[0084] In one embodiment, the image file of the business evaluation split data may contain text, charts and other visual elements. Through image preprocessing, the business evaluation split data (document photos, etc.) is subjected to image resizing, contrast enhancement and image denoising to improve the accuracy of image recognition.
[0085] In one embodiment, the image recognition algorithm may be an OCR (Optical Character Recognition) technology. The text in the image is recognized by the OCR technology, and the image text is converted into a machine-readable text format. For images with complex backgrounds or special fonts, a specific OCR model may be required to improve the recognition accuracy.
[0086] In one embodiment, in the text data converted by OCR, keyword matching and / or position matching algorithms are used to identify sensitive text data. Keyword matching involves a predefined sensitive word library, while position matching is based on the position information of the text in the image. For example, if sensitive information usually appears in specific areas of the image (such as watermarks or signature areas), the algorithm can be set to prioritize these areas.
[0087] In one embodiment, keyword matching can be used alone, such as the owner's name, ID number, address, signature and other keywords. The text distribution format of vehicle-related documents is generally fixed, so the text area containing sensitive information can also be identified alone, such as the signature area. At the same time, the two matching methods of keyword matching and position matching can also be combined to search for sensitive text data to improve matching accuracy.
[0088] In one embodiment, when sensitive text data is identified, an image filtering algorithm may be applied to process it. The image filtering algorithm includes blurring, mosaic processing or other forms of image degradation to protect sensitive information from being easily identified. Generally, for text that requires high confidentiality, multi-level blurring may be used to ensure that it is difficult to identify even when zoomed in.
[0089] Optionally, if the original image contains multiple sensitive regions, each region can be filtered independently and then merged with the unprocessed image portion to maintain the overall consistency of the image.
[0090] In one embodiment, after the sensitive text data is filtered, the processed image is merged with the non-sensitive portion of the original image to generate new evaluation data, namely, third evaluation data.
[0091] Optionally, after the image filtering process is completed, the processed image can be verified to ensure that sensitive information is effectively protected while the rest of the image remains clear and readable. The effectiveness of the filtering process can be checked through manual review or automated testing to ensure that sensitive information is appropriately hidden without compromising the overall quality of the image.
[0092] S303, sending the third evaluation data to the business evaluation terminal, and receiving the business evaluation result fed back by the business evaluation terminal;
[0093] In one embodiment, the cloud server performs image processing on the sensitive information in the business evaluation split data through an image processing algorithm, including but not limited to masking the sensitive information by adding mosaic or other filtering methods, to generate third evaluation data. The image-processed third evaluation data is then forwarded to the business evaluation terminal, which performs business evaluation on the third evaluation data (including vehicle data and owner information) and outputs business evaluation results such as vehicle valuation and evaluation report.
[0094] S304: Send the service evaluation result to the service terminal to complete the second service process.
[0095] In one embodiment, after completing the data processing of the business evaluation split data, the third evaluation data is sent to the business evaluation terminal, and the business evaluator of the business evaluation terminal analyzes the third evaluation data, outputs the business evaluation results such as the vehicle valuation and evaluation report of the target vehicle, and then feeds back the business evaluation results to the business terminal through the cloud server to inform the salesperson.
[0096] See also Figure 5 , Figure 5 It is a structural schematic diagram of a first embodiment of a vehicle valuation device based on a separable business process provided by the present application. The vehicle valuation device based on a separable business process is used to execute the aforementioned vehicle valuation method based on a separable business process.
[0097] like Figure 5 As shown, the vehicle valuation device 300 based on the separable business process includes: an instruction receiving module 401, a data receiving module 402, a business evaluation module 403 and an evaluation result feedback module 404.
[0098] The instruction receiving module 401 is used to receive the service process selection instruction sent by the service terminal;
[0099] A data receiving module 402 is used to receive the business evaluation splitting data sent by the business terminal based on the target business process corresponding to the business process selection instruction;
[0100] The business evaluation module 403 is used to send the business evaluation split data to the business evaluation terminal and receive the business evaluation result fed back by the business evaluation terminal;
[0101] The evaluation result feedback module 404 is used to send the business evaluation result to the business terminal to complete the target business process.
[0102] In one embodiment, the business process selection instruction includes a first business process selection instruction, and the business evaluation splitting data includes first evaluation data and second evaluation data;
[0103] The vehicle valuation device 300 based on a separable business process further includes a first business process execution module, including:
[0104] A first evaluation data acquisition submodule, configured to receive the first evaluation data corresponding to the first evaluation stage sent by the business terminal based on the first business process corresponding to the first business process selection instruction;
[0105] A first data evaluation submodule, configured to send the first evaluation data to the business evaluation terminal, and receive a first evaluation result fed back by the business evaluation terminal based on the first evaluation data;
[0106] A second evaluation data acquisition submodule is used to receive the second evaluation data corresponding to the second evaluation stage sent by the business terminal within a preset period when the first evaluation result is evaluation passed, and send the second evaluation data to the business evaluation terminal;
[0107] The second data evaluation submodule is used to accept a second evaluation result fed back by the business evaluation terminal based on the first evaluation data and the second evaluation data, and send the second evaluation result to the business terminal to complete the first business process.
[0108] In one embodiment, the business evaluation split data includes vehicle information and vehicle owner information of the target vehicle.
[0109] In one embodiment, the business process selection instruction includes a second business process selection instruction;
[0110] The vehicle valuation device 300 based on a separable business process further includes a second business process execution module, including:
[0111] A business evaluation split data acquisition submodule, used to collect the business evaluation split data of the target vehicle based on the second business process corresponding to the second business process selection instruction;
[0112] An image processing submodule, used for performing image processing on the business evaluation split data based on an image processing algorithm to generate third evaluation data;
[0113] A business evaluation submodule, used for sending the third evaluation data to the business evaluation terminal, and receiving the business evaluation result fed back by the business evaluation terminal;
[0114] The evaluation feedback submodule is used to send the service evaluation result to the service terminal to complete the second service process.
[0115] In one embodiment, the image processing submodule includes:
[0116] A sensitive data identification unit, used to identify sensitive text data in the business evaluation split data based on an image recognition algorithm;
[0117] An image filtering unit is used to filter the sensitive text data based on an image filtering algorithm to generate the third evaluation data.
[0118] In one embodiment, the sensitive data identification unit includes:
[0119] A text region identification subunit, used to identify a target text region in the business evaluation split data based on the image recognition algorithm;
[0120] The sensitive data matching subunit is used to identify the sensitive text data in the target text area based on keyword matching and / or position matching.
[0121] In one embodiment, the vehicle valuation device 300 based on the separable business process further includes a business process selection module, including:
[0122] A business process selection unit, configured to generate business process options based on the business request initiated by the business terminal, wherein the business process options include a first business process option and a second business process option;
[0123] The instruction generation unit is used to generate the business process selection instruction based on the target business process selected by the business terminal in the business process options.
[0124] It should be noted that technical personnel in the relevant field can clearly understand that, for the convenience and conciseness of description, the specific working process of the above-described device and each module can refer to the corresponding process in the aforementioned embodiment of the vehicle valuation method based on the decomposable business process, and will not be repeated here.
[0125] The apparatus provided in the above embodiment may be implemented in the form of a computer program. The computer program may be Figure 6 Runs on the computer device shown.
[0126] See also Figure 6 , Figure 6 1 is a schematic block diagram of a computer device provided in an embodiment of the present application. The computer device may be a server.
[0127] See also Figure 6 The computer device includes a processor, a memory and a network interface connected through a system bus, wherein the memory may include a non-volatile storage medium and an internal memory.
[0128] The non-volatile storage medium can store an operating system and a computer program. The computer program includes program instructions, and when the program instructions are executed, the processor can execute any vehicle valuation method based on a separable business process.
[0129] The processor is used to provide computing and control capabilities and support the operation of the entire computer equipment.
[0130] The internal memory provides an environment for the operation of the computer program in the non-volatile storage medium. When the computer program is executed by the processor, the processor can execute any vehicle valuation method based on a separable business process.
[0131] The network interface is used for network communication, such as sending assigned tasks, etc. Those skilled in the art will understand that Figure 6 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.
[0132] It should be understood that the processor may be a central processing unit (CPU), and the processor may also be other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field-programmable gate arrays (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. Among them, the general-purpose processor may be a microprocessor or the processor may also be any conventional processor, etc.
[0133] In one embodiment, the processor is used to run a computer program stored in the memory to implement the following steps:
[0134] Receiving a business process selection instruction sent by a business terminal;
[0135] Based on the target business process corresponding to the business process selection instruction, receiving the business evaluation splitting data sent by the business terminal;
[0136] Sending the business evaluation split data to the business evaluation terminal, and receiving the business evaluation result fed back by the business evaluation terminal;
[0137] The business evaluation result is sent to the business terminal to complete the target business process.
[0138] In one embodiment, the business process selection instruction includes a first business process selection instruction, and the business evaluation splitting data includes first evaluation data and second evaluation data;
[0139] After implementing the service process selection instruction sent by the receiving service terminal, the processor is further used to implement:
[0140] Based on the first business process selection instruction corresponding to the first business process, receiving the first evaluation data corresponding to the first evaluation stage sent by the business terminal;
[0141] Sending the first evaluation data to the business evaluation terminal, and receiving a first evaluation result fed back by the business evaluation terminal based on the first evaluation data;
[0142] When the first evaluation result is that the evaluation is passed, receiving the second evaluation data corresponding to the second evaluation stage sent by the business terminal within a preset period, and sending the second evaluation data to the business evaluation terminal;
[0143] Accepting a second evaluation result fed back by the business evaluation terminal based on the first evaluation data and the second evaluation data, and sending the second evaluation result to the business terminal to complete the first business process.
[0144] In one embodiment, the business evaluation split data includes vehicle information and vehicle owner information of the target vehicle.
[0145] In one embodiment, the business process selection instruction includes a second business process selection instruction;
[0146] After implementing the service process selection instruction sent by the receiving service terminal, the processor is further used to implement:
[0147] Based on the second business process selection instruction corresponding to the second business process, collecting the business evaluation splitting data of the target vehicle;
[0148] Based on an image processing algorithm, image processing is performed on the business evaluation split data to generate third evaluation data;
[0149] Sending the third evaluation data to the business evaluation terminal, and receiving the business evaluation result fed back by the business evaluation terminal;
[0150] The service evaluation result is sent to the service terminal to complete the second service process.
[0151] In one embodiment, when the processor performs image processing on the business evaluation split data based on the image processing algorithm to generate the third evaluation data, it is used to implement:
[0152] Based on an image recognition algorithm, identifying sensitive text data in the business assessment split data;
[0153] Based on an image filtering algorithm, the sensitive text data is filtered to generate the third evaluation data.
[0154] In one embodiment, when the processor implements the image recognition algorithm to identify the sensitive text data in the business evaluation split data, it is used to implement:
[0155] Based on the image recognition algorithm, identifying the target text area in the business evaluation split data;
[0156] Based on keyword matching and / or position matching, the sensitive text data is identified in the target text area.
[0157] In one embodiment, before the processor implements the business process selection instruction sent by the business terminal and generates the target business process corresponding to the business process selection instruction, it is further configured to implement:
[0158] Generate a business process option based on the business request initiated by the business terminal, wherein the business process option includes a first business process option and a second business process option;
[0159] The business process selection instruction is generated based on the target business process selected by the business terminal in the business process options.
[0160] A computer-readable storage medium is also provided in an embodiment of the present application, wherein the computer-readable storage medium stores a computer program, wherein the computer program includes program instructions, and the processor executes the program instructions to implement any vehicle valuation method based on a separable business process provided in the embodiment of the present application.
[0161] The computer-readable storage medium may be an internal storage unit of the computer device described in the foregoing embodiment, such as a hard disk or memory of the computer device. The computer-readable storage medium may also be an external storage device of the computer device, such as a plug-in hard disk, a smart memory card (SmartMedia Card, SMC), a secure digital (Secure Digital, SD) card, a flash card (Flash Card), etc., equipped on the computer device.
[0162] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any technician familiar with the technical field can easily think of various equivalent modifications or replacements within the technical scope disclosed in the present application, and these modifications or replacements should be included in the protection scope of the present application. Therefore, the protection scope of the present application shall be based on the protection scope of the claims.
Claims
1. A vehicle valuation method based on a separable business process, characterized in that: The method comprises: Receiving a business process selection instruction sent by a business terminal; Based on the target business process corresponding to the business process selection instruction, receiving the business evaluation splitting data sent by the business terminal; Sending the business evaluation split data to the business evaluation terminal, and receiving the business evaluation result fed back by the business evaluation terminal; The business evaluation result is sent to the business terminal to complete the target business process.
2. The vehicle valuation method based on a separable business process according to claim 1 is characterized in that: The business process selection instruction includes a first business process selection instruction, and the business evaluation splitting data includes first evaluation data and second evaluation data; After receiving the service process selection instruction sent by the service terminal, the method further includes: Based on the first business process selection instruction corresponding to the first business process, receiving the first evaluation data corresponding to the first evaluation stage sent by the business terminal; Sending the first evaluation data to the business evaluation terminal, and receiving a first evaluation result fed back by the business evaluation terminal based on the first evaluation data; When the first evaluation result is that the evaluation is passed, receiving the second evaluation data corresponding to the second evaluation stage sent by the business terminal within a preset period, and sending the second evaluation data to the business evaluation terminal; Accepting a second evaluation result fed back by the business evaluation terminal based on the first evaluation data and the second evaluation data, and sending the second evaluation result to the business terminal to complete the first business process.
3. The vehicle valuation method based on a separable business process according to claim 1 is characterized in that: The business evaluation split data includes vehicle information and / or vehicle owner information of the target vehicle.
4. The vehicle valuation method based on a separable business process according to claim 1, characterized in that: The business process selection instruction includes a second business process selection instruction; After receiving the service process selection instruction sent by the service terminal, the method further includes: Based on the second business process selection instruction corresponding to the second business process, collecting the business evaluation splitting data of the target vehicle; Based on an image processing algorithm, image processing is performed on the business evaluation split data to generate third evaluation data; Sending the third evaluation data to the business evaluation terminal, and receiving the business evaluation result fed back by the business evaluation terminal; The service evaluation result is sent to the service terminal to complete the second service process.
5. The vehicle valuation method based on a separable business process according to claim 4 is characterized in that: The step of performing image processing on the business evaluation split data based on an image processing algorithm to generate third evaluation data includes: Based on an image recognition algorithm, identifying sensitive text data in the business assessment split data; Based on an image filtering algorithm, the sensitive text data is filtered to generate the third evaluation data.
6. The vehicle valuation method based on a separable business process according to claim 5 is characterized in that: The identifying sensitive text data in the business evaluation split data based on an image recognition algorithm includes: Based on the image recognition algorithm, identifying the target text area in the business evaluation split data; Based on keyword matching and / or position matching, the sensitive text data is identified in the target text area.
7. The vehicle valuation method based on a separable business process according to claim 1, characterized in that: Before generating a target business process corresponding to the business process selection instruction based on the business process selection instruction sent by the business terminal, the method further includes: Generate a business process option based on the business request initiated by the business terminal, wherein the business process option includes a first business process option and a second business process option; The business process selection instruction is generated based on the target business process selected by the business terminal in the business process options.
8. A vehicle valuation device based on a separable business process, characterized in that: The vehicle valuation device based on the separable business process includes: An instruction receiving module, used for receiving a business process selection instruction sent by a business terminal; A data receiving module, configured to receive the business evaluation splitting data sent by the business terminal based on the target business process corresponding to the business process selection instruction; A business evaluation module, used to send the business evaluation split data to the business evaluation terminal, and receive the business evaluation result fed back by the business evaluation terminal; The evaluation result feedback module is used to send the business evaluation result to the business terminal to complete the target business process.
9. A computer device, characterized in that: The computer device includes a processor, a memory, and a computer program stored in the memory and executable by the processor, wherein when the computer program is executed by the processor, the steps of the vehicle valuation method based on a separable business process as described in any one of claims 1 to 7 are implemented.
10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, wherein when the computer program is executed by a processor, the steps of the vehicle valuation method based on a separable business process as claimed in any one of claims 1 to 7 are implemented.