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

Abstract

The application 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, which 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 pushing module. The second-hand car appraisal institution hardware configuration professional grade identification processing is carried out by adopting the second-hand car appraisal institution hardware configuration professional degree parameter and the corresponding professional grade parameter of the second-hand car appraisal institution hardware configuration professional degree, and the second-hand car appraisal institution hardware configuration professional grade parameter is scientifically analyzed. The appraisal institution service quality grade identification processing is carried out based on the second-hand car appraisal institution service satisfaction parameter and the corresponding service quality grade parameter of the second-hand car appraisal institution service satisfaction, and the second-hand car appraisal institution service quality grade parameter is accurately analyzed, so that the hardware configuration grade and the appraisal service quality grade of the second-hand car appraisal institution are intelligently evaluated.

Description

TECHNICAL FIELD

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

[0002] The main content of used car transaction includes: pre-work of used car evaluation, technical condition appraisal, consignment, replacement business, price evaluation, transaction practice. Main procedures include vehicle procedures, vehicle maintenance procedures, tax procedures; with the development and popularization of automobile business, used car transaction has a wide market, and used car development helps consumers to purchase the required cars at reasonable prices; since the used car is very complex in terms of vehicle condition, vehicle property and other conditions compared with new cars; how to obtain the real appraisal information of used cars and provide real and reliable used car condition information for consumers is very important and urgent problem to be solved. Current consumers cannot accurately and efficiently evaluate the risk level of used car appraisal information, which increases the risk of consumer fraud when buying used cars.

[0003] The Chinese invention patent application with publication number CN114742585A discloses a used car evaluation system, which realizes online verification of customer identity, online authentication of vehicle owner identity, online convenient inquiry 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 an identity authentication module of a customer terminal, a vehicle owner authentication module, a vehicle information inquiry module, a maintenance information inquiry module and an evaluation module. However, the above technical solution can only aggregate and output vehicle information, and cannot perform risk assessment on vehicle appraisal information, which cannot help customers accurately identify potential risk information of used cars. SUMMARY

[0004] (I) Technical problems solved

[0005] To solve the above problems that current consumers cannot accurately and efficiently evaluate the risk level of used car appraisal information, and increase the risk of consumer fraud when buying used cars, the above purposes of efficiently collecting used car appraisal information, accurately obtaining used car appraisal agency information, scientifically analyzing the hardware configuration level of used car appraisal agencies, accurately analyzing the service quality level of used car appraisal agencies, and intelligently evaluating the risk level of used car appraisal information are achieved.

[0006] (II) Technical solutions

[0007] The present application is implemented by the following technical solutions: a used car information risk assessment method based on big data, the method comprising the following steps:

[0008] S1, collecting used car appraisal text feature data;

[0009] S2, search the appraisal institution information according to the text feature data of the second-hand car appraisal, generate the second-hand car appraisal institution feature data, and perform the appraisal institution appraisal hardware configuration and appraisal service comment information retrieval, and build the second-hand car appraisal institution hardware configuration data and the second-hand car appraisal service comment data;

[0010] S3, perform the appraisal institution hardware configuration matching processing according to the second-hand car appraisal institution hardware configuration data and the second-hand car appraisal institution standard hardware configuration data, build the second-hand car appraisal institution standard hardware configuration matching result data, and count the second-hand car appraisal institution hardware configuration professional degree data;

[0011] S4, perform the appraisal institution hardware configuration professional level identification processing 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, and generate the second-hand car appraisal institution hardware configuration professional level identification result data;

[0012] S5, perform the appraisal institution positive service comment matching processing according to the second-hand car appraisal service comment data and the second-hand car appraisal institution service comment positive vocabulary data, build the second-hand car appraisal institution positive service comment matching result data, and count the second-hand car appraisal institution service satisfaction degree data;

[0013] S6, perform the appraisal institution service quality level identification processing based on the second-hand car appraisal institution service satisfaction degree data and the second-hand car appraisal institution service satisfaction degree corresponding service quality level data, and generate the second-hand car appraisal institution service quality level identification result data;

[0014] S7, perform the appraisal institution information risk level analysis processing according to the second-hand car appraisal institution hardware configuration professional level identification result data, the second-hand car appraisal institution service quality level identification result data, and the second-hand car appraisal institution hardware configuration professional level and service quality level corresponding risk level data, build the second-hand car appraisal institution information risk level evaluation result data, and push to the mobile client.

[0015] Preferably, the operation steps of collecting the second-hand car appraisal text feature data are as follows:

[0016] S11, collect the second-hand car appraisal file by the mobile terminal combined with the online scanning of the image-text conversion software and generate the second-hand car appraisal 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 quick character recognition software and an AI recognition king, and the second-hand car appraisal text feature data represents the text feature data of the vehicle appraisal result issued by the second-hand car appraisal institution.

[0017] Preferably, the second-hand car appraisal text feature data is used to search for appraisal institution information, generate second-hand car appraisal institution feature data, and perform appraisal institution appraisal hardware configuration and appraisal service comment information retrieval, and the operation steps of constructing second-hand car appraisal institution hardware configuration data and second-hand car appraisal service comment data are as follows:

[0018] S21, using a BERT language model to search for feature information of a second-hand car appraisal institution in the second-hand car appraisal text feature data combined with name keywords, and generate second-hand car appraisal institution feature data , the second-hand car appraisal institution feature data includes the name, enterprise code and address of the second-hand car appraisal institution;

[0019] S22, using a uniform cost search algorithm to search for appraisal hardware configuration and appraisal service comment information of a specific second-hand car appraisal institution on an Internet platform combined with hardware configuration keywords and appraisal service comment keywords, generate a second-hand car appraisal institution hardware configuration data set , ; wherein represents the th second-hand car appraisal institution hardware configuration data, represents the maximum value of the number of second-hand car appraisal institution hardware configuration data, and the second-hand car appraisal institution hardware configuration data represents appraisal institution hardware device configuration parameters and professional configuration parameters;

[0020] generate a second-hand car appraisal service comment data set , ; wherein represents the th second-hand car appraisal service comment data, represents the maximum value of the number of second-hand car appraisal service comment data, and the second-hand car appraisal service comment data represents customer service quality evaluation information of a specific appraisal institution.

[0021] Preferably, the second-hand car appraisal institution hardware configuration data is matched with the second-hand car appraisal institution standard hardware configuration data, and the operation steps of constructing second-hand car appraisal institution standard hardware configuration matching result data and counting second-hand car appraisal institution hardware configuration professional degree data are as follows:

[0022] S31, establish a second-hand car appraisal institution standard hardware configuration data set , ; wherein represents the th second-hand car appraisal institution standard hardware configuration data, This indicates the maximum number of standard hardware configuration data for used car appraisal agencies. The standard hardware configuration data for used car appraisal agencies refers to the hardware equipment configuration parameters and professional personnel configuration parameters that are standardly equipped by legitimate used car appraisal agencies.

[0023] S32, Set the hardware configuration data of the used car appraisal agency Hardware configuration data of used car appraisal agencies The hardware configuration data of the used car appraisal agency is ordered according to the standard hardware configuration data set of the used car appraisal agency. Standard hardware configuration data for used car appraisal agencies in China Perform hardware configuration character matching to search for hardware configuration data matching the used car appraisal agency. Standard hardware configuration data of used car appraisal agencies with the same hardware configuration parameters Perform a search to retrieve hardware configuration data matching the used car appraisal agency. Standard hardware configuration data of used car appraisal agencies with the same hardware configuration parameters The specific steps are as follows:

[0024] S321. Initialize hardware configuration to search for the number of elephant population clans n and set the maximum number of iterations T;

[0025] S322. Calculate the fitness value of each hardware configuration for the search elephant individual using a fitness function, that is, calculate the standard hardware configuration data set of the used car appraisal agency. Standard hardware configuration data for used car appraisal agencies in China Hardware configuration data of used car appraisal agencies The fitness value is used to determine the location of the elephant in the search for the best hardware configuration, thus obtaining the hardware configuration data of the used car appraisal agency. The most suitable standard hardware configuration data for used car appraisal agencies Data set of standard hardware configurations for used car appraisal agencies Search for locations in the search space;

[0026] S323. Update the position of each individual elephant in the population for each hardware configuration search. The formula for updating the elephant position for each hardware configuration search is as follows: ,in Indicates the first In the next iteration, hardware configuration is used to search for individual elephants. Searching for the chief of an elephant clan based on relative hardware configuration Data set of standard hardware configurations for used car appraisal agencies Search for locations in the search space; Indicates the first In the next iteration, hardware configuration is used to search for individual elephants. the position of the elephant individual in the search space relative to the hardware configuration the set of standard hardware configuration data of the used car appraisal institution the position in the search space; the position of the elephant individual in the search space relative to the hardware configuration the position of the elephant individual in the search space relative to the hardware configuration the set of standard hardware configuration data of the used car appraisal institution the best position in the search space, i.e. the position of the hardware configuration data of the used car appraisal institution the best matching standard hardware configuration data of the used car appraisal institution the set of standard hardware configuration data of the corresponding used car appraisal institution the position in the search space, the position impact factor with a value of the position impact factor with a value of the position of the elephant individual in the search space relative to the hardware configuration the position impact factor of the elephant individual relative to the hardware configuration the position impact factor of the elephant individual relative to the hardware configuration the random number with a value of the position of the elephant individual in the search space relative to the hardware configuration wherein is the central position impact coefficient with a value of the position of the elephant individual in the search space relative to the hardware configuration the position of the elephant individual in the search space relative to the hardware configuration the central position impact coefficient of the entire elephant individual relative to the hardware configuration the central position of the entire elephant population under the influence of the elephant individual in the search space relative to the hardware configuration the position of the elephant individual in the search space relative to the hardware configuration the position in the search space;

[0027] S324, calculate the fitness value of each hardware configuration search elephant individual after updating, analyze the hardware configuration search elephant population, and obtain the best and worst hardware configuration search elephant individual positions in the set of standard hardware configuration data of the used car appraisal institution the best matching standard hardware configuration data of the used car appraisal institution the best matching standard hardware configuration data of the used car appraisal institution and the worst matching standard hardware configuration data of the used car appraisal institution;

[0028] S325, update the current worst hardware configuration search elephant individual position, i.e. in the used car appraisal agency standard hardware configuration data set update the position of the worst hardware configuration search elephant individual in the search space the least matched used car appraisal agency standard hardware configuration data The formula for updating the position of the worst hardware configuration search elephant individual is , where represents the hardware configuration search elephant individual relative to the hardware configuration search elephant population clan chief in the used car appraisal agency standard hardware configuration data set the worst position in the search space, and represents the used car appraisal agency standard hardware configuration data set upper and lower limits of the search space represents a random function taking value ; reserve the best hardware configuration search elephant individual position, i.e. reserve the position of the most matched used car appraisal agency hardware configuration data the most matched used car appraisal agency standard hardware configuration data ;

[0029] S326, when the maximum number of iterations is met, output the used car appraisal agency hardware configuration data the most matched used car appraisal agency standard hardware configuration data , otherwise repeat step S322 until the maximum number of iterations is met

[0030] S33, identify the used car appraisal agency standard hardware configuration data matched with the used car appraisal agency hardware configuration data output in step S326 as the used car appraisal agency standard hardware configuration matching result data set , , where represents the th used car appraisal agency standard hardware configuration matching result data represents the th used car appraisal agency standard hardware configuration matching result data

[0031] S34, according to the used car appraisal agency standard hardware configuration matching result data in the used car appraisal agency standard hardware configuration matching result data set , measure the number of used car appraisal agency standard hardware configuration matching results ; the number of used car appraisal agency standard hardware configuration matching results Data on standard hardware configuration of the used car appraisal agency Total number Numerical processing is performed to generate data on the professionalism of the hardware configuration of used car appraisal agencies. .

[0032] Preferably, the steps for generating the identification result data of the hardware configuration professionalism of the used car appraisal agency based on the hardware configuration professionalism data and the corresponding professionalism level data are as follows:

[0033] S41. Establish a data set of professional levels corresponding to the hardware configuration of used car appraisal institutions. ,in This indicates the range of data related to the professional level of the hardware configuration of used car appraisal agencies, corresponding to Level 1. and This represents the left and right values ​​of the data range indicating the professionalism of the hardware configuration of a used car appraisal agency.

[0034] This indicates the range of data related to the professional level of hardware configuration of used car appraisal agencies, corresponding to Level 2. and This represents the left and right values ​​of the data range indicating the professionalism of the hardware configuration of a used car appraisal agency.

[0035] This indicates the range of data related to the professionalism of the hardware configuration of used car appraisal agencies, corresponding to a level three professional rating. and This represents the left and right values ​​of the data range indicating the professionalism of the hardware configuration of a used car appraisal agency.

[0036] S42. Use a bidirectional search algorithm to obtain the hardware configuration professionalism data of the used car appraisal agency. Data set corresponding to the professional level of the hardware configuration of used car appraisal institutions The professionalism data of the hardware configuration of used car appraisal institutions is searched by numerical matching within the data range of the professionalism data of the hardware configuration of used car appraisal institutions. The system identifies the professional level of the hardware configuration of the corresponding used car appraisal agency and generates data to recognize this level. ; The value can be any one of Level 1, Level 2, or Level 3; Level 1, Level 2, and Level 3 correspond to progressively lower hardware configuration professional levels.

[0037] Preferably, the steps for matching the positive service reviews of used car appraisal services with the positive vocabulary data of used car appraisal agency service reviews to construct the matching result data of positive service reviews of used car appraisal agencies and to statistically calculate the service satisfaction data of used car appraisal agencies are as follows:

[0038] S51. Establish a data collection of positive vocabulary related to service reviews of used car appraisal agencies. , ;in Indicates the first A review of a used car appraisal agency's services positively reflects key vocabulary and data. This represents the maximum number of positive keywords in reviews of used car appraisal agencies, where the positive keywords indicate customer satisfaction with the service quality of a specific appraisal agency.

[0039] S52. Use an iterative bidirectional search algorithm to process the used car appraisal service review data set. Chinese used car appraisal service review data The data is ordered according to the service review data number and the set of positive words in the service reviews of the used car appraisal agency. Chinese used car appraisal agency service reviews and positive vocabulary data Perform character matching of service reviews to search for data containing positive keywords in the service reviews of the aforementioned used car appraisal agency. The used car appraisal service review data mentioned above It also identifies and generates a dataset of matching service reviews from used car appraisal agencies. , ,in Indicates the first A used car appraisal agency's service review data is definitely matched with the results. Indicates the first The data matches service reviews from a used car appraisal agency.

[0040] S53, Based on the data set of positive service reviews from the aforementioned used car appraisal agency. The data on the positive service reviews of the used car appraisal agencies mentioned above is used to measure the number of positive service review matching results for used car appraisal agencies. The number of positive service reviews matched with the used car appraisal agency's ratings. With the used car appraisal service review data Total number Numerical processing is performed to generate service satisfaction data for used car appraisal agencies. .

[0041] Preferably, the operation steps of generating the second-hand car appraisal institution service quality level identification result data based on the second-hand car appraisal institution service satisfaction data and the second-hand car appraisal institution service satisfaction corresponding service quality level data are as follows:

[0042] S61, establishing a second-hand car appraisal institution service satisfaction corresponding service quality level data set , wherein represents the second-hand car appraisal institution service quality level as first class corresponding second-hand car appraisal institution service satisfaction data interval, and represent the left and right end values of the second-hand car appraisal institution service satisfaction data interval;

[0043] represents the second-hand car appraisal institution service quality level as second class corresponding second-hand car appraisal institution service satisfaction data interval, and represent the left and right end values of the second-hand car appraisal institution service satisfaction data interval;

[0044] represents the second-hand car appraisal institution service quality level as third class corresponding second-hand car appraisal institution service satisfaction data interval, and represent the left and right end values of the second-hand car appraisal institution service satisfaction data interval;

[0045] S62, using a bidirectional search algorithm to perform numerical matching of the second-hand car appraisal institution service satisfaction data with the second-hand car appraisal institution service satisfaction data in the second-hand car appraisal institution service satisfaction data interval in the second-hand car appraisal institution service satisfaction corresponding service quality level data set , search out the second-hand car appraisal institution service quality level corresponding to the second-hand car appraisal institution service satisfaction data , and identify the second-hand car appraisal institution service quality level identification result data ; The value includes any one of first class, second class, and third class. The service quality level corresponding to the first class, the second class, and the third class decreases in turn.

[0046] Preferably, according to the second-hand car appraisal institution hardware configuration professional level identification result data, the second-hand car appraisal institution service quality level identification result data, and the second-hand car appraisal institution hardware configuration professional level, service quality level corresponding risk level data, the operation steps of performing appraisal institution information risk level analysis processing and constructing the second-hand car appraisal institution information risk level evaluation result data and pushing to the mobile client are as follows:

[0047] S71, establish a used car appraisal institution hardware configuration professional level, service quality level corresponding risk level data set , wherein represents when the used car appraisal institution hardware configuration professional level identification result data is three, the used car appraisal institution service quality level identification result data is three, the used car appraisal institution risk level data corresponding to is high risk, high risk means that the identification file of the used car appraisal institution has more than 80%-90% probability of fraud;

[0048] represents when the used car appraisal institution hardware configuration professional level identification result data is one, the used car appraisal institution service quality level identification result data is two, the used car appraisal institution risk level data corresponding to is medium risk, medium risk means that the identification file of the used car appraisal institution has 55%-60% probability of fraud;

[0049] represents when the used car appraisal institution hardware configuration professional level identification result data is one, the used car appraisal institution service quality level identification result data is one, the used car appraisal institution risk level data corresponding to is low risk, low risk means that the identification file of the used car appraisal institution has 20%-30% probability of fraud;

[0050] S72, using depth limited algorithm, the used car appraisal institution hardware configuration professional level identification result data and the used car appraisal institution service quality level identification result data and the used car appraisal institution hardware configuration professional level, service quality level corresponding risk level data set The risk level data of the used car appraisal institution in the used car appraisal institution risk level data set is matched according to the hardware configuration professional level and the service quality level, and the used car appraisal institution hardware configuration professional level identification result data and the used car appraisal institution service quality level identification result data corresponding to the used car appraisal institution risk level data and the used car appraisal institution information risk level evaluation result data are identified and generated , the value includes any one of high risk, medium risk and low risk;

[0051] S73, the used car appraisal institution information risk level evaluation result data is pushed to the mobile client through the mobile communication network.

[0052] A big data-based used car information risk assessment system for implementing the big data-based used car information risk assessment method, the system comprising a used car information collection management module, a used car information level analysis module, a used car information risk assessment and pushing module;

[0053] The used car information collection management module comprises a used car appraisal text information collection unit, a used car appraisal institution information search unit, a used car appraisal institution hardware configuration information acquisition unit, and a used car appraisal institution service comment information search unit.

[0054] The used car appraisal text information collection unit collects used car appraisal text feature data through a mobile terminal and a picture-text conversion software; the used car appraisal institution information search unit searches appraisal institution information based on the used car appraisal text feature data to generate used car appraisal institution feature data; the used car appraisal institution hardware configuration information acquisition unit performs appraisal institution appraisal hardware configuration information retrieval based on the used car appraisal institution feature data to construct used car appraisal institution hardware configuration data; and the used car appraisal institution service comment information search unit performs appraisal institution appraisal service comment information retrieval based on the used car appraisal institution feature data to construct used car appraisal service comment data.

[0055] The used car information level analysis module comprises a used car appraisal institution standard hardware configuration storage unit, a used car appraisal institution hardware configuration information matching unit, a used car appraisal institution hardware configuration professional degree measurement unit, a used car appraisal institution hardware configuration professional degree corresponding professional level storage unit, a used car appraisal institution hardware configuration professional level identification unit, a used car appraisal institution service comment positive vocabulary storage unit, a used car appraisal institution positive service comment matching unit, a used car appraisal institution service satisfaction measurement unit, a used car appraisal institution service satisfaction corresponding service quality level storage unit, and a used car appraisal institution service quality level identification unit.

[0056] The second-hand car appraisal institution standard hardware configuration storage unit stores second-hand car appraisal institution standard hardware configuration data based on big data; the second-hand car appraisal institution hardware configuration information matching unit performs appraisal institution hardware configuration matching processing according to the second-hand car appraisal institution hardware configuration data and the second-hand car appraisal institution standard hardware configuration data, and constructs second-hand car appraisal institution standard hardware configuration matching result data; the second-hand car appraisal institution hardware configuration professional degree measurement unit is used for counting second-hand car appraisal institution hardware configuration professional degree data; the second-hand car appraisal institution hardware configuration professional degree corresponding professional grade storage unit is used for storing second-hand car appraisal institution hardware configuration professional degree corresponding professional grade data; the second-hand car appraisal institution hardware configuration professional grade identification unit performs appraisal institution hardware configuration professional grade identification processing 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 grade data, and generates second-hand car appraisal institution hardware configuration professional grade identification result data; the second-hand car appraisal institution service comment positive vocabulary storage unit stores second-hand car appraisal institution service comment positive vocabulary data based on big data; the second-hand car appraisal institution positive service comment matching unit performs appraisal institution positive service comment matching processing according to the second-hand car appraisal service comment data and the second-hand car appraisal institution service comment positive vocabulary data, and constructs second-hand car appraisal institution positive service comment matching result data; the second-hand car appraisal institution service satisfaction degree measurement unit is used for counting second-hand car appraisal institution service satisfaction degree data; the second-hand car appraisal institution service satisfaction degree corresponding service quality grade storage unit is used for storing second-hand car appraisal institution service satisfaction degree corresponding service quality grade data; the second-hand car appraisal institution service quality grade identification unit performs appraisal institution service quality grade identification processing based on the second-hand car appraisal institution service satisfaction degree data and the second-hand car appraisal institution service satisfaction degree corresponding service quality grade data, and generates second-hand car appraisal institution service quality grade identification result data;

[0057] The second-hand car information risk assessment and pushing module includes a second-hand car appraisal institution hardware configuration professional grade, service quality grade corresponding risk grade storage unit, a second-hand car appraisal institution information risk grade analysis unit, and a second-hand car appraisal institution information risk grade evaluation result feedback unit.

[0058] The second-hand car appraisal mechanism hardware configuration professional level, service quality level corresponding risk level storage unit is used for storing second-hand car appraisal mechanism hardware configuration professional level, service quality level corresponding risk level data;The second-hand car appraisal mechanism information risk level analysis unit, according to the second-hand car appraisal mechanism hardware configuration professional level identification result data, the second-hand car appraisal mechanism service quality level identification result data and second-hand car appraisal mechanism hardware configuration professional level, service quality level corresponding risk level data carries out appraisal mechanism information risk level analysis processing, constructs the second-hand car appraisal mechanism information risk level evaluation result data;The second-hand car appraisal mechanism information risk level evaluation result feedback unit, the second-hand car appraisal mechanism information risk level evaluation result data is pushed to the mobile client through the mobile communication network.

[0059] (Three) beneficial effects

[0060] The application provides a second-hand car information risk assessment system and method based on big data.

[0061] I. Through the mobile terminal and the picture-text conversion software, the second-hand car appraisal text characteristic parameters are efficiently and accurately collected, reliable data is provided for subsequent accurate search of second-hand car appraisal mechanism information;Based on the second-hand car appraisal text, the characteristic information parameters of the second-hand car appraisal mechanism are searched independently and conveniently;According to the characteristic parameters of the second-hand car appraisal mechanism, the real hardware configuration information and appraisal service comment information of the second-hand car appraisal mechanism are scientifically searched by combining the hardware configuration and service comment characters, and the accurate sampling of the hardware configuration and service feedback information of the second-hand car appraisal mechanism is realized.

[0062] II. The second-hand car appraisal mechanism hardware configuration parameters are identified with the standard hardware configuration parameters of the second-hand car appraisal mechanism based on big data, and the standard hardware configuration parameters of the second-hand car appraisal mechanism are accurately analyzed;The hardware configuration professional degree parameters of the second-hand car appraisal mechanism are identified with the corresponding professional level parameters of the hardware configuration professional degree of the second-hand car appraisal mechanism, and the hardware configuration professional level parameters of the second-hand car appraisal mechanism are scientifically analyzed;The second-hand car appraisal service comment data are analyzed with the service comment positive vocabulary parameters of the second-hand car appraisal mechanism based on big data storage, and the positive service comment parameters of the second-hand car appraisal mechanism are scientifically analyzed;The service satisfaction parameters of the second-hand car appraisal mechanism are identified with the corresponding service quality level parameters of the service satisfaction of the second-hand car appraisal mechanism, and the service quality level parameters of the second-hand car appraisal mechanism are accurately analyzed, so as to realize the intelligent evaluation of the hardware configuration level and the appraisal service quality level of the second-hand car appraisal mechanism.

[0063] III. Through the second-hand car appraisal institution hardware configuration professional level parameter, quality level identification result parameter and the second-hand car appraisal institution hardware configuration professional level, service quality level corresponding risk level parameter, the appraisal institution information risk level analysis processing is carried out, the intelligent and standardization of the second-hand car appraisal institution information risk level evaluation is realized;Second-hand car appraisal institution information risk level is accurately pushed to mobile client through mobile communication network, and efficient, convenient feedback of second-hand car information risk assessment result to client is realized. BRIEF DESCRIPTION OF DRAWINGS

[0064] Figure 1 A module schematic diagram of a second-hand car information risk assessment system based on big data is provided for the application;

[0065] Figure 2 A flowchart of a second-hand car information risk assessment method based on big data is provided for the application. DETAILED DESCRIPTION

[0066] The technical solutions in the embodiments of the application will be described clearly and completely below with reference to the drawings in the embodiments of the application. Obviously, the described embodiments are only part of the embodiments of the application, rather than all the embodiments. Based on the embodiments in the application, all other embodiments obtained by those skilled in the art without creative labor fall within the scope of protection of the application.

[0067] The embodiments of the second-hand car information risk assessment system and method based on big data are as follows:

[0068] Embodiment 1

[0069] Please refer to Figure 1 - Figure 2 A second-hand car information risk assessment method based on big data, the method comprising the following steps:

[0070] S1, collecting second-hand car appraisal text feature data;

[0071] S2, searching for appraisal institution information according to the second-hand car appraisal text feature data, generating second-hand car appraisal institution feature data and performing appraisal institution appraisal hardware configuration and appraisal service comment information retrieval, and constructing second-hand car appraisal institution hardware configuration data and second-hand car appraisal service comment data;

[0072] S3, performing appraisal institution hardware configuration matching processing according to the second-hand car appraisal institution hardware configuration data and the second-hand car appraisal institution standard hardware configuration data, constructing second-hand car appraisal institution standard hardware configuration matching result data and counting second-hand car appraisal institution hardware configuration professional degree data;

[0073] S4, based on the hardware configuration professional degree data of the used car appraisal institution and the corresponding professional grade data of the hardware configuration professional degree of the used car appraisal institution, the hardware configuration professional grade identification processing of the appraisal institution is carried out, and the hardware configuration professional grade identification result data of the used car appraisal institution is generated;

[0074] S5, according to the used car appraisal service comment data and the used car appraisal institution service comment positive vocabulary data, the positive service comment matching processing of the appraisal institution is carried out, the positive service comment matching result data of the used car appraisal institution is constructed, and the service satisfaction degree data of the used car appraisal institution is counted;

[0075] S6, based on the service satisfaction degree data of the used car appraisal institution and the corresponding service quality grade data of the service satisfaction degree of the used car appraisal institution, the service quality grade identification processing of the appraisal institution is carried out, and the service quality grade identification result data of the used car appraisal institution is generated;

[0076] S7, according to the hardware configuration professional grade identification result data of the used car appraisal institution, the service quality grade identification result data of the used car appraisal institution and the corresponding risk grade data of the hardware configuration professional grade and the service quality grade of the used car appraisal institution, the information risk grade analysis processing of the appraisal institution is carried out, the information risk grade evaluation result data of the used car appraisal institution is constructed and pushed to the mobile client.

[0077] Further, please refer to Figure 1 - Figure 2 The operation steps of collecting the used car appraisal text feature data are as follows:

[0078] S11, through the mobile terminal combined with the online scanning of the image-text conversion software, the used car appraisal file is collected and the used car appraisal text feature data is generated The mobile terminal includes any one of smart phone and tablet computer, the image-text conversion software includes any one of swift character recognition software and AI recognition king, and the used car appraisal text feature data represents the text feature data of the vehicle appraisal result issued by the used car appraisal institution.

[0079] According to the used car appraisal text feature data, the information search of the appraisal institution is carried out, the used car appraisal institution feature data is generated, and the appraisal institution appraisal hardware configuration and appraisal service comment information retrieval are executed, and the operation steps of constructing the used car appraisal institution hardware configuration data and the used car appraisal service comment data are as follows:

[0080] S21, the BERT language model is used to search the feature information of the used car appraisal institution in the used car appraisal text feature data Combined with the name keyword, and the used car appraisal institution feature data The used car appraisal institution feature data includes the name, enterprise code and address of the used car appraisal institution;

[0081] S22, using a unified cost search algorithm according to the used car appraisal institution characteristic data The specific used car appraisal institution appraisal hardware configuration and appraisal service comment information are retrieved on the Internet platform by combining the hardware configuration keywords and the appraisal service comment keywords, and a used car appraisal institution hardware configuration data set is generated , ; wherein represents the first used car appraisal institution hardware configuration data retrieved, represents the maximum value of the number of used car appraisal institution hardware configuration data, and the used car appraisal institution hardware configuration data represents the appraisal institution hardware device configuration parameters and the professional personnel configuration parameters;

[0082] A used car appraisal service comment data set is generated , ; wherein represents the first used car appraisal service comment data, represents the maximum value of the number of used car appraisal service comment data, and the used car appraisal service comment data represents the customer's evaluation information on the service quality of the specific appraisal institution.

[0083] Through the used car appraisal text information acquisition unit, the mobile terminal and the image-text conversion software are used to efficiently and accurately acquire the text characteristic parameters of the used car appraisal, providing reliable data for subsequent accurate search of used car appraisal institution information; the used car appraisal institution information search unit searches the characteristic information parameters of the used car appraisal institution based on the used car appraisal text; the used car appraisal institution hardware configuration information acquisition unit and the used car appraisal institution service comment information search unit cooperate with each other, and according to the characteristic parameters of the used car appraisal institution, the hardware configuration and service comment characters are combined to scientifically retrieve the real hardware configuration information and appraisal service comment information of the used car appraisal institution, and realize the accurate sampling of the hardware configuration and service feedback information of the used car appraisal institution.

[0084] Further, please refer to Figure 1 - Figure 2 , according to the used car appraisal institution hardware configuration data and the used car appraisal institution standard hardware configuration data, the appraisal institution hardware configuration matching processing is performed, the used car appraisal institution standard hardware configuration matching result data is constructed, and the operation steps of the used car appraisal institution hardware configuration professional degree data are as follows:

[0085] S31, establishing a set of used car appraisal institution standard hardware configuration data , ; wherein represents the first used car appraisal institution standard hardware configuration dataA second-hand car appraisal institution standard hardware configuration data, Max represents the maximum value of the second-hand car appraisal institution standard hardware configuration data, and the second-hand car appraisal institution standard hardware configuration data represents the hardware device configuration parameters and professional configuration parameters of the standard equipment of a formal second-hand car appraisal institution.

[0086] S32, a second-hand car appraisal institution hardware configuration data set Second-hand car appraisal institution hardware configuration data According to the second-hand car appraisal institution hardware configuration data number order and the second-hand car appraisal institution standard hardware configuration data set Second-hand car appraisal institution standard hardware configuration data Hardware configuration character matching is performed, and the second-hand car appraisal institution hardware configuration data Second-hand car appraisal institution standard hardware configuration data with the same hardware configuration parameters The second-hand car appraisal institution hardware configuration data Second-hand car appraisal institution standard hardware configuration data with the same hardware configuration parameters The specific steps are as follows:

[0087] S321, initialize the hardware configuration search elephant population clan number n, and set the maximum iteration number T;

[0088] S322, calculate the fitness value of each hardware configuration search elephant individual using the fitness function, that is, calculate the fitness value of the second-hand car appraisal institution standard hardware configuration data set Second-hand car appraisal institution standard hardware configuration data Second-hand car appraisal institution hardware configuration data The fitness value of the second-hand car appraisal institution hardware configuration data The second-hand car appraisal institution standard hardware configuration data most matched with the second-hand car appraisal institution hardware configuration data In the second-hand car appraisal institution standard hardware configuration data set Search space;

[0089] S323, update the position of each hardware configuration search elephant individual in the population, and the hardware configuration search elephant position update formula is , wherein Indicates the position of the hardware configuration search elephant individual in the second-hand car appraisal institution standard hardware configuration data set In the second-hand car appraisal institution standard hardware configuration data set In the second-hand car appraisal institution standard hardware configuration data set In the second-hand car appraisal institution standard hardware configuration data set Search space; Indicates the position of the hardware configuration search elephant individual in the second-hand car appraisal institution standard hardware configuration data set The position of the hardware configuration search elephant individual in the next iteration The position of the hardware configuration search elephant individual relative to the chief of the hardware configuration search elephant population clan The position of the hardware configuration search elephant individual in the set of standard hardware configuration data of the used car appraisal institution The position in the search space; The position of the hardware configuration search elephant individual The position of the hardware configuration search elephant individual relative to the chief of the hardware configuration search elephant population clan The position of the hardware configuration search elephant individual in the set of standard hardware configuration data of the used car appraisal institution The best position in the search space, i.e. the position of the hardware configuration search elephant individual that best matches the hardware configuration data of the used car appraisal institution The hardware configuration search elephant individual that best matches the hardware configuration data of the used car appraisal institution The position of the hardware configuration search elephant individual in the set of standard hardware configuration data of the used car appraisal institution The position in the search space, The position impact factor with a value of The position of the hardware configuration search elephant individual relative to the chief of the hardware configuration search elephant population clan The position impact factor of the hardware configuration search elephant individual The position of the hardware configuration search elephant individual relative to the chief of the hardware configuration search elephant population clan The position impact factor of the hardware configuration search elephant individual The random number with a value of The position of the hardware configuration search elephant individual relative to the chief of the hardware configuration search elephant population clan The position of the hardware configuration search elephant individual relative to the chief of the hardware configuration search elephant population clan The central position impact coefficient with a value of The position of the hardware configuration search elephant individual relative to the chief of the hardware configuration search elephant population clan The central position impact coefficient of the entire hardware configuration search elephant individual relative to the chief of the hardware configuration search elephant population clan The position of the hardware configuration search elephant individual relative to the chief of the hardware configuration search elephant population clan The position of the hardware configuration search elephant individual relative to the chief of the hardware configuration search elephant population clan The position of the hardware configuration search elephant individual relative to the chief of the hardware configuration search elephant population clan The position of the hardware configuration search elephant individual in the set of standard hardware configuration data of the used car appraisal institution

[0090] S324, calculate the fitness value of each hardware configuration search elephant individual after updating, analyze the hardware configuration search elephant population, and obtain the best and worst hardware configuration search elephant individual positions in the set of standard hardware configuration data of the used car appraisal institution The position in the search space; The position of the hardware configuration search elephant individual relative to the chief of the hardware configuration search elephant population clan The position of the hardware configuration search elephant individual relative to the chief of the hardware configuration search elephant population clan

[0091] S325, update the current worst hardware configuration search elephant individual position, i.e. in the used car appraisal agency standard hardware configuration data set update the position of the worst hardware configuration search elephant individual in the search space the least matched used car appraisal agency standard hardware configuration data The formula for updating the position of the worst hardware configuration search elephant individual is , wherein represents the hardware configuration search elephant individual relative to the hardware configuration search elephant population clan chief in the used car appraisal agency standard hardware configuration data set the worst position in the search space, and represents the used car appraisal agency standard hardware configuration data set upper and lower limits of the search space; represents a random function taking values ; reserve the best hardware configuration search elephant individual position, i.e. reserve the position of the most matched used car appraisal agency hardware configuration data the most matched used car appraisal agency standard hardware configuration data ;

[0092] S326, when the maximum number of iterations is met, output the used car appraisal agency hardware configuration data the most matched used car appraisal agency standard hardware configuration data , otherwise repeat step S322 until the maximum number of iterations is met;

[0093] S33, identify the used car appraisal agency standard hardware configuration data matched by the used car appraisal agency hardware configuration data output in step S326 as a used car appraisal agency standard hardware configuration matching result data set , , wherein represents the th used car appraisal agency standard hardware configuration matching result data represents the th used car appraisal agency standard hardware configuration matching result data

[0094] S34, according to the used car appraisal agency standard hardware configuration matching result data in the used car appraisal agency standard hardware configuration matching result data set , measure the number of used car appraisal agency standard hardware configuration matching results ; the number of used car appraisal agency standard hardware configuration matching results Standard hardware configuration data of used car appraisal agencies Total number Numerical processing is performed to generate data on the professionalism of the hardware configuration of used car appraisal agencies. .

[0095] The steps for generating the professional level identification data of used car appraisal agency hardware configuration based on the professionalism data of used car appraisal agency hardware configuration and the corresponding professional level data of used car appraisal agency hardware configuration are as follows:

[0096] S41. Establish a data set of professional levels corresponding to the hardware configuration of used car appraisal institutions. ,in This indicates the range of data related to the professional level of the hardware configuration of used car appraisal agencies, corresponding to Level 1. and This represents the left and right values ​​of the data range indicating the professionalism of the hardware configuration of a used car appraisal agency.

[0097] This indicates the range of data related to the professional level of hardware configuration of used car appraisal agencies, corresponding to Level 2. and This represents the left and right values ​​of the data range indicating the professionalism of the hardware configuration of a used car appraisal agency.

[0098] This indicates the range of data related to the professionalism of the hardware configuration of used car appraisal agencies, corresponding to a level three professional rating. and This represents the left and right values ​​of the data range indicating the professionalism of the hardware configuration of a used car appraisal agency.

[0099] S42. Employ a bidirectional search algorithm to integrate data on the professionalism of the hardware configurations of used car appraisal agencies. Data set corresponding to the professional level of the hardware configuration of used car appraisal institutions The data on the professionalism of the hardware configuration of used car appraisal agencies was matched numerically within a certain range to retrieve relevant data on the professionalism of the hardware configuration of used car appraisal agencies. The system identifies the professional level of the hardware configuration of the corresponding used car appraisal agency and generates data to recognize this level. ; The value can be any one of Level 1, Level 2, or Level 3; Level 1, Level 2, and Level 3 correspond to progressively lower hardware configuration professional levels.

[0100] According to the second-hand car appraisal service comment data and the second-hand car appraisal institution service comment positive vocabulary data, the operation steps of the second-hand car appraisal institution positive service comment matching result data and the second-hand car appraisal institution service satisfaction data are as follows:

[0101] S51, establish a second-hand car appraisal institution service comment positive vocabulary data set , ; wherein represents the second-hand car appraisal institution service comment positive vocabulary data, represents the maximum value of the number of second-hand car appraisal institution service comment positive vocabulary data, and the second-hand car appraisal institution service comment positive vocabulary data represents the positive vocabulary data of the customer to the specific appraisal institution service quality;

[0102] S52, using an iterative bidirectional search algorithm to search the second-hand car appraisal service comment data set in the second-hand car appraisal service comment data according to the second-hand car appraisal service comment data number order and the second-hand car appraisal institution service comment positive vocabulary data set in the second-hand car appraisal institution service comment positive vocabulary data service comment character matching, search the second-hand car appraisal service comment data containing the second-hand car appraisal institution service comment positive vocabulary data and mark the second-hand car appraisal institution positive service comment matching result data set , , wherein represents the second-hand car appraisal institution positive service comment matching result data, represents the second-hand car appraisal institution positive service comment matching result data;

[0103] S53, according to the second-hand car appraisal institution positive service comment matching result data set in the second-hand car appraisal institution positive service comment matching result data, the number of second-hand car appraisal institution positive service comment matching results ; the number of second-hand car appraisal institution positive service comment matching results and the total number of second-hand car appraisal service comment data are processed by numerical operation, and the second-hand car appraisal institution service satisfaction data is generated.

[0104] ​The operation steps of generating the second-hand car appraisal institution service quality grade identification result data by identifying the service quality grade of the second-hand car appraisal institution service satisfaction data and the second-hand car appraisal institution service satisfaction corresponding service quality grade data are as follows:

[0105] S61, establishing a second-hand car appraisal institution service satisfaction corresponding service quality grade data set , wherein represents the second-hand car appraisal institution service satisfaction data interval corresponding to the first-grade second-hand car appraisal institution service quality grade, and represent the left and right end values of the second-hand car appraisal institution service satisfaction data interval;

[0106] represents the second-hand car appraisal institution service satisfaction data interval corresponding to the second-grade second-hand car appraisal institution service quality grade, and represent the left and right end values of the second-hand car appraisal institution service satisfaction data interval;

[0107] represents the second-hand car appraisal institution service satisfaction data interval corresponding to the third-grade second-hand car appraisal institution service quality grade, and represent the left and right end values of the second-hand car appraisal institution service satisfaction data interval;

[0108] S62, using a bidirectional search algorithm to perform numerical matching on the second-hand car appraisal institution service satisfaction data in the second-hand car appraisal institution service satisfaction data interval in the second-hand car appraisal institution service satisfaction corresponding service quality grade data set , search out the second-hand car appraisal institution service satisfaction data corresponding to the second-hand car appraisal institution service quality grade, and identify to generate the second-hand car appraisal institution service quality grade identification result data ; The value includes any one of first grade, second grade, and third grade. The service quality grades corresponding to the first grade, the second grade, and the third grade decrease in turn.

[0109] The hardware configuration information matching unit of the used car appraisal institution analyzes the hardware configuration parameters of the used car appraisal institution and the standard hardware configuration parameters of the used car appraisal institution based on big data, accurately analyzes the standard hardware configuration parameters of the used car appraisal institution, the hardware configuration professional level recognition unit of the used car appraisal institution, the hardware configuration professional degree parameters of the used car appraisal institution and the corresponding professional level parameters of the hardware configuration professional degree of the used car appraisal institution are used for identification institution hardware configuration professional level identification processing, and the hardware configuration professional level parameters of the used car appraisal institution are scientifically analyzed, the positive service comment matching unit of the used car appraisal institution, the used car appraisal service comment data and the positive vocabulary parameters of the used car appraisal institution service comment based on big data storage are used for identification institution positive service comment analysis, and the positive service comment parameters of the used car appraisal institution are scientifically analyzed, the service quality level recognition unit of the used car appraisal institution, based on the service satisfaction parameters of the used car appraisal institution and the corresponding service quality level parameters of the service satisfaction of the used car appraisal institution, the service quality level recognition processing of the identification institution is carried out, and the service quality level parameters of the used car appraisal institution are accurately analyzed, so as to realize the intelligent evaluation of the hardware configuration level and the identification service quality level of the used car appraisal institution.

[0110] Further, please refer to Figure 1 Figure 2 According to the hardware configuration professional level recognition result data of the used car appraisal institution, the service quality level recognition result data of the used car appraisal institution and the corresponding risk level data of the hardware configuration professional level and the service quality level of the used car appraisal institution, the identification institution information risk level analysis processing is carried out, the used car appraisal institution information risk level evaluation result data is constructed and pushed to the operation steps of the mobile client as follows:

[0111] S71, the hardware configuration professional level and the service quality level of the used car appraisal institution are established. The corresponding risk level data set , wherein When the hardware configuration professional level recognition result data of the used car appraisal institution is three, the service quality level recognition result data of the used car appraisal institution is three, the corresponding risk level data of the used car appraisal institution is high risk, and the high risk means that the identification file of the used car appraisal institution has more than 80% ~ 90% probability of fraud;

[0112] When the hardware configuration professional level recognition result data of the used car appraisal institution is one, the service quality level recognition result data of the used car appraisal institution is two, the corresponding risk level data of the used car appraisal institution is medium risk, and the medium risk means that the identification file of the used car appraisal institution has 55% ~ 60% probability of fraud;​

[0113] representing the professional level identification result data of the hardware configuration of the used car appraisal institution The service quality level identification result data of the first-class used car appraisal institution When it is a first-class, the risk level data of the used car appraisal institution is low risk, and the low risk means that there is a 20%-30% probability of fraud in the appraisal file of the used car appraisal institution;

[0114] S72, using deep limited algorithm to identify the professional level identification result data of the hardware configuration of the used car appraisal institution and the service quality level identification result data of the used car appraisal institution The risk level data set corresponding to the professional level of the hardware configuration and the service quality level of the used car appraisal institution The risk level data of the used car appraisal institution in the middle is character matched according to the professional level of the hardware configuration and the service quality level, and the professional level identification result data of the hardware configuration of the used car appraisal institution is searched out and the service quality level identification result data of the used car appraisal institution The corresponding risk level data of the used car appraisal institution and the risk level evaluation result data of the used car appraisal institution information are identified and generated , The value includes any one of high risk, medium risk and low risk;

[0115] S73, the risk level evaluation result data of the used car appraisal institution information Through the mobile communication network to the mobile client.

[0116] Through the used car appraisal institution information risk level analysis unit, using the professional level parameter of the hardware configuration of the used car appraisal institution, the quality level identification result parameter and the risk level parameter corresponding to the professional level of the hardware configuration and the service quality level of the used car appraisal institution, the risk level of the appraisal institution information is analyzed and processed, the intelligentization and standardization of the risk level evaluation of the used car appraisal institution information are realized, the risk level of the used car appraisal institution information is accurately pushed to the mobile client through the mobile communication network by the used car appraisal institution information risk level evaluation result feedback unit, and the efficient and convenient feedback of the used car information risk evaluation result to the client is realized.

[0117] Embodiment 2:

[0118] Please refer to Figure 1 - Figure 2 A big data-based used car information risk assessment system for realizing a big data-based used car information risk assessment method, the system comprising a used car information collection and management module, a used car information level analysis module, a used car information risk assessment and pushing module;

[0119] The used car information collection and management module comprises a used car appraisal text information collection unit, a used car appraisal institution information search unit, a used car appraisal institution hardware configuration information acquisition unit, and a used car appraisal institution service comment information search unit.

[0120] The used car appraisal text information collection unit collects used car appraisal text feature data through a mobile terminal and a picture-text conversion software. The used car appraisal institution information search unit searches for appraisal institution information based on the used car appraisal text feature data, and generates used car appraisal institution feature data. The used car appraisal institution hardware configuration information acquisition unit performs appraisal institution appraisal hardware configuration information retrieval based on the used car appraisal institution feature data, and constructs used car appraisal institution hardware configuration data. The used car appraisal institution service comment information search unit performs appraisal institution appraisal service comment information retrieval based on the used car appraisal institution feature data, and constructs used car appraisal service comment data.

[0121] The used car information level analysis module comprises a used car appraisal institution standard hardware configuration storage unit, a used car appraisal institution hardware configuration information matching unit, a used car appraisal institution hardware configuration professional degree measurement unit, a used car appraisal institution hardware configuration professional degree corresponding professional level storage unit, a used car appraisal institution hardware configuration professional level identification unit, a used car appraisal institution service comment positive vocabulary storage unit, a used car appraisal institution positive service comment matching unit, a used car appraisal institution service satisfaction measurement unit, a used car appraisal institution service satisfaction corresponding service quality level storage unit, and a used car appraisal institution service quality level identification unit.

[0122] The second-hand car appraisal institution standard hardware configuration storage unit stores second-hand car appraisal institution standard hardware configuration data based on big data. The second-hand car appraisal institution hardware configuration information matching unit performs appraisal institution hardware configuration matching processing according to the second-hand car appraisal institution hardware configuration data and the second-hand car appraisal institution standard hardware configuration data, and constructs second-hand car appraisal institution standard hardware configuration matching result data. The second-hand car appraisal institution hardware configuration professional degree measurement unit is used to count second-hand car appraisal institution hardware configuration professional degree data. The second-hand car appraisal institution hardware configuration professional degree corresponding professional grade storage unit is used to store second-hand car appraisal institution hardware configuration professional degree corresponding professional grade data. The second-hand car appraisal institution hardware configuration professional grade identification unit performs appraisal institution hardware configuration professional grade identification processing 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 grade data, and generates second-hand car appraisal institution hardware configuration professional grade identification result data. The second-hand car appraisal institution service comment positive vocabulary storage unit stores second-hand car appraisal institution service comment positive vocabulary data based on big data. The second-hand car appraisal institution positive service comment matching unit performs appraisal institution positive service comment matching processing according to the second-hand car appraisal service comment data and the second-hand car appraisal institution service comment positive vocabulary data, and constructs second-hand car appraisal institution positive service comment matching result data. The second-hand car appraisal institution service satisfaction degree measurement unit is used to count second-hand car appraisal institution service satisfaction degree data. The second-hand car appraisal institution service satisfaction degree corresponding service quality grade storage unit is used to store second-hand car appraisal institution service satisfaction degree corresponding service quality grade data. The second-hand car appraisal institution service quality grade identification unit performs appraisal institution service quality grade identification processing based on the second-hand car appraisal institution service satisfaction degree data and the second-hand car appraisal institution service satisfaction degree corresponding service quality grade data, and generates second-hand car appraisal institution service quality grade identification result data.

[0123] The second-hand car information risk assessment and pushing module includes a second-hand car appraisal institution hardware configuration professional grade, service quality grade corresponding risk grade storage unit, a second-hand car appraisal institution information risk grade analysis unit, and a second-hand car appraisal institution information risk grade evaluation result feedback unit.

[0124] The second-hand car appraisal institution information risk level analysis unit analyzes and processes the information risk level of the second-hand car appraisal institution according to the second-hand car appraisal institution hardware configuration professional level recognition result data, the second-hand car appraisal institution service quality level recognition result data and the second-hand car appraisal institution hardware configuration professional level and service quality level corresponding risk level data, and constructs the second-hand car appraisal institution information risk level evaluation result data.

[0125] While the embodiments of the application have been illustrated and described, it will be understood by those skilled in the art that various changes, modifications, substitutions, and alterations can be made therein without departing from the spirit and scope of the application, which is defined by the following claims and their equivalents.

Claims

1. A method for used car information risk assessment based on big data, characterized in that, The method comprises the following steps: S1, collecting second-hand car appraisal text feature data; S2, searching for appraisal institution information according to the second-hand car appraisal text feature data, generating second-hand car appraisal institution feature data, and performing appraisal institution appraisal hardware configuration and appraisal service comment information retrieval, and constructing second-hand car appraisal institution hardware configuration data and second-hand car appraisal service comment data; S3, performing appraisal institution hardware configuration matching processing according to the second-hand car appraisal institution hardware configuration data and the second-hand car appraisal institution standard hardware configuration data, constructing second-hand car appraisal institution standard hardware configuration matching result data, and counting second-hand car appraisal institution hardware configuration professional degree data; The S3 comprises the following steps: S31, establishing a second-hand car appraisal institution standard hardware configuration data set , ; wherein represents the second-hand car appraisal institution standard hardware configuration data, represents the maximum value of the number of second-hand car appraisal institution standard hardware configuration data, which represents the hardware device configuration parameters and professional personnel configuration parameters of the standard equipment of the formal second-hand car appraisal institution. S32, a set of hardware configuration data of the used car appraisal institution hardware configuration data of the used car appraisal institution hardware configuration data of the used car appraisal institution hardware configuration data of the used car appraisal institution hardware configuration data of the used car appraisal institution hardware configuration data of the used car appraisal institution ; The second-hand car appraisal mechanism hardware configuration data set Including second-hand car appraisal mechanism hardware configuration data , wherein The first second-hand car appraisal mechanism hardware configuration data retrieved ; The S32 comprises the following steps: S321, initializing the number n of hardware configuration search elephant populations of the clan, and setting the maximum number of iterations T; S322, calculating the fitness value of each hardware configuration search elephant individual with the fitness function, i.e. calculating the fitness value of the used car appraisal agency standard hardware configuration data set The used car appraisal agency standard hardware configuration data The fitness value of the used car appraisal agency hardware configuration data The position of the current best hardware configuration search elephant individual, i.e. the used car appraisal agency hardware configuration data The most matched used car appraisal agency standard hardware configuration data The position of the used car appraisal agency standard hardware configuration data set In the search space S323, updating the position of each hardware configuration search elephant individual in the population; updating the position of the current best hardware configuration search elephant individual; S324, calculate the fitness value of each hardware configuration search elephant after updating, analyze the hardware configuration search elephant population, and obtain the best and worst hardware configuration search elephant individual positions after updating, i.e. in the second-hand car appraisal agency standard hardware configuration data set Analyze the hardware configuration search elephant population in the search space and the second-hand car appraisal agency hardware configuration data The most matched second-hand car appraisal agency standard hardware configuration data And the least matched second-hand car appraisal agency standard hardware configuration data S325, updating the current worst hardware configuration search elephant individual position, that is, in the used car appraisal agency standard hardware configuration data set updating the position of the least matched used car appraisal agency standard hardware configuration data in the search space the position of the least matched used car appraisal agency standard hardware configuration data ​ S326、when the maximum iteration number is met, outputting the hardware configuration data of the used car appraisal institution the most matched used car appraisal institution standard hardware configuration data , otherwise, repeating the step S322 until the maximum iteration number is met; S33, outputting the second-hand car appraisal institution standard hardware configuration matching result data set in S326 The matched second-hand car appraisal institution standard hardware configuration data The identification is constructed as a second-hand car appraisal institution standard hardware configuration matching result data set , , wherein represents the first second-hand car appraisal institution standard hardware configuration matching result data represents the first second-hand car appraisal institution standard hardware configuration matching result data S34, according to the second-hand car appraisal agency standard hardware configuration matching result data set The second-hand car appraisal agency standard hardware configuration matching result data in the second-hand car appraisal agency standard hardware configuration matching result data set is measured ; The number of second-hand car appraisal agency standard hardware configuration matching results And the total number of second-hand car appraisal agency standard hardware configuration data Numerical processing, second-hand car appraisal agency hardware configuration professional degree data is generated ;​ S4, performing appraisal institution hardware configuration professional level identification processing 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, and generating second-hand car appraisal institution hardware configuration professional level identification result data; The S4 comprises the following steps: S41, establishing a second-hand car appraisal institution hardware configuration professional degree corresponding professional grade data set wherein represents the second-hand car appraisal institution hardware configuration professional degree data interval corresponding to the first-class professional level of the second-hand car appraisal institution hardware configuration, and represents the left and right end values of the second-hand car appraisal institution hardware configuration professional degree data interval; represents the hardware configuration professional degree data interval corresponding to the second-level hardware configuration professional degree of the used car appraisal institution, and represents the left and right end values of the hardware configuration professional degree data interval of the used car appraisal institution. represents the hardware configuration professional degree data interval corresponding to the third level of the hardware configuration professional degree of the used car appraisal institution, and represents the left and right end values of the hardware configuration professional degree data interval of the used car appraisal institution. S42. Use a bidirectional search algorithm to obtain the hardware configuration professionalism data of the used car appraisal agency. Data set corresponding to the professional level of the hardware configuration of used car appraisal institutions The professionalism data of the hardware configuration of used car appraisal institutions is searched by numerical matching within the data range of the professionalism data of the hardware configuration of used car appraisal institutions. The system identifies the professional level of the hardware configuration of the corresponding used car appraisal agency and generates data to recognize this level. ; The value can be any one of Level 1, Level 2, or Level 3; Level 1, Level 2, and Level 3 correspond to progressively lower professional levels of hardware configuration. S5, performing appraisal institution positive service comment matching processing according to the second-hand car appraisal service comment data and the second-hand car appraisal institution service comment positive vocabulary data, constructing second-hand car appraisal institution positive service comment matching result data, and counting second-hand car appraisal institution service satisfaction degree data; The S5 comprises the following steps: S51, establish a used car appraisal institution service comment positive vocabulary data set , ; wherein represents the th used car appraisal institution service comment positive vocabulary data represents the maximum value of the number of used car appraisal institution service comment positive vocabulary data, which represents the customer's positive vocabulary data for the specific appraisal institution service quality S52, using an iterative bidirectional search algorithm to sort the used car appraisal service review data set The used car appraisal service review data According to the used car appraisal service review data number order and the used car appraisal agency service review positive vocabulary data set The used car appraisal agency service review positive vocabulary data Service review character matching is performed, and the used car appraisal service review data containing the used car appraisal agency service review positive vocabulary data And mark the generation of used car appraisal agency positive service review matching result data set , , wherein The first used car appraisal agency positive service review matching result data The first used car appraisal agency positive service review matching result data The first used car appraisal agency positive service review matching result data The first used car appraisal agency positive service review matching result data​ The second-hand car appraisal service comment data set Including second-hand car appraisal service comment data Wherein Indicates the retrieved first The second-hand car appraisal service comment data S53、According to the second-hand car appraisal agency positive service comment matching result data set , the number of second-hand car appraisal agency positive service comment matching results is measured ; The number of second-hand car appraisal agency positive service comment matching results and the total number of second-hand car appraisal service comment data Numerical processing, generate second-hand car appraisal agency service satisfaction data ;​ S6, performing appraisal institution service quality level identification processing based on the second-hand car appraisal institution service satisfaction degree data and the second-hand car appraisal institution service satisfaction degree corresponding service quality level data, and generating second-hand car appraisal institution service quality level identification result data; The S6 comprises the following steps: S61, establish a used car appraisal institution service satisfaction corresponding service quality grade data set wherein represents the data interval of the used car appraisal institution service satisfaction corresponding to the first grade of the used car appraisal institution service quality, and represents the left and right end values of the used car appraisal institution service satisfaction data interval; represents the service satisfaction data interval of the used car appraisal institution corresponding to the second level of the service quality grade of the used car appraisal institution, and represents the left and right end values of the service satisfaction data interval of the used car appraisal institution. represents the service satisfaction data interval of the used car appraisal institution corresponding to the third level of the service quality of the used car appraisal institution, and represents the left and right end values of the service satisfaction data interval of the used car appraisal institution. S62, using a bidirectional search algorithm to match the used car appraisal institution service satisfaction data in the data interval in S61 with the used car appraisal institution service satisfaction data in the used car appraisal institution service satisfaction data set in S60, and search out the used car appraisal institution service satisfaction data corresponding to the used car appraisal institution service quality grade in S60 corresponding to the used car appraisal institution service satisfaction data corresponding to the used car appraisal institution service satisfaction data corresponding to the used car appraisal institution service quality grade and mark to generate the used car appraisal institution service quality grade identification result data ; The value includes any one of first level, second level and third level, and the service quality grades corresponding to the first level, the second level and the third level decrease in turn S7, performing appraisal institution information risk level analysis processing according to the second-hand car appraisal institution hardware configuration professional level identification result data, the second-hand car appraisal institution service quality level identification result data, and the second-hand car appraisal institution hardware configuration professional level and service quality level corresponding risk level data, constructing second-hand car appraisal institution information risk level evaluation result data, and pushing to a mobile client; The S7 comprises the following steps: S71, establishing a second-hand car appraisal institution hardware configuration professional level, service quality level corresponding risk level data set wherein indicates that when the second-hand car appraisal institution hardware configuration professional level identification result data is three, the second-hand car appraisal institution service quality level identification result data is three, the second-hand car appraisal institution risk level data is high risk, and the high risk indicates that the identification file of the second-hand car appraisal institution has a fraud probability greater than 80%-90%. represents when the second-hand car appraisal institution hardware configuration professional level identification result data is a first level, the second-hand car appraisal institution service quality level identification result data is a second level, the second-hand car appraisal institution risk level data is medium risk, medium risk means that the appraisal file of the second-hand car appraisal institution has a 55%-60% probability of fraud; represents when the second-hand car appraisal institution hardware configuration professional level identification result data is level one, the second-hand car appraisal institution service quality level identification result data is level one, the second-hand car appraisal institution risk level data is low risk, and the low risk indicates that there is a 20%-30% probability of fraud in the appraisal file of the second-hand car appraisal institution; S72, using a depth limited algorithm to identify the hardware configuration professional level of the used car appraisal institution result data and the used car appraisal institution service quality level identification result data and the used car appraisal institution hardware configuration professional level, service quality level corresponding risk level data set The used car appraisal institution risk level data in the middle matches the characters according to the hardware configuration professional level and the service quality level, and searches out the hardware configuration professional level of the used car appraisal institution identification result data and the used car appraisal institution service quality level identification result data The corresponding used car appraisal institution risk level data and the identification of the used car appraisal institution information risk level evaluation result data , the The value includes any one of high risk, medium risk and low risk; S73, Transfer the risk level assessment results of the used car appraisal agency information data. Pushed to mobile clients via mobile communication networks.

2. The big data-based used car information risk assessment method according to claim 1, characterized in that: The S1 comprises the following steps: S11, through the mobile terminal combined with the picture-text conversion software, online scanning and collecting the used car appraisal file and generating the used car appraisal text feature data , the mobile terminal includes any one of smart phone, tablet computer, the picture-text conversion software includes any one of swift character recognition software, AI recognition king, the used car appraisal text feature data represents the text feature data of the vehicle appraisal result issued by the used car appraisal institution.

3. The method according to claim 2, wherein: The S2 comprises the following steps: S21, adopting a BERT language model to search for feature information of the used car appraisal institution based on the name keyword, and generating used car appraisal institution feature data , the used car appraisal institution feature data including the name, enterprise code and address of the used car appraisal institution , the used car appraisal institution feature data including the name, enterprise code and address of the used car appraisal institution S22, adopting a unified cost search algorithm to determine the second-hand car appraisal institution characteristic data The hardware configuration and service comment information of the specific second-hand car appraisal institution are retrieved on the Internet platform by combining the hardware configuration keywords and the appraisal service comment keywords, and the second-hand car appraisal institution hardware configuration data set is generated , ; wherein represents the first second-hand car appraisal institution hardware configuration data retrieved, represents the maximum value of the number of second-hand car appraisal institution hardware configuration data, and the second-hand car appraisal institution hardware configuration data represents the appraisal institution hardware device configuration parameters and professional personnel configuration parameters; Generating used car appraisal service review data set , ; wherein represents the first piece of used car appraisal service review data retrieved, represents the maximum value of the number of used car appraisal service review data, which represents the customer's service quality evaluation information of a specific appraisal agency.

4. A big data-based used car information risk assessment system for implementing the big data-based used car information risk assessment method according to any one of claims 1-3, characterized in that: The system comprises a second-hand car information collection management module, a second-hand car information level analysis module, and a second-hand car information risk assessment and pushing module.

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