Early warning method and device for secondary mortgage of vehicle, electronic equipment and storage medium

Abstract

The embodiment of the invention provides a vehicle secondary mortgage early warning method and device, electronic equipment and a storage medium, and relates to the technical field of financial science and technology. The method comprises the following steps: determining a secondary mortgage site according to historical mortgage information of a plurality of historical mortgage vehicles, wherein the secondary mortgage site is a parking position for secondary mortgage of the vehicle; acquiring the current position of the monitored vehicle; if the duration that the distance between the current position of the monitored vehicle and the secondary mortgage site is smaller than the first preset distance is longer than the first preset duration, early warning information is output, and the early warning information is used for conducting early warning on the secondary mortgage risk of the monitored vehicle. According to the embodiment of the invention, whether the monitored vehicle has the secondary mortgage risk or not can be quickly judged based on the secondary mortgage site, and early warning is carried out when the monitored vehicle has the secondary mortgage risk, so that the early warning efficiency of secondary mortgage of the vehicle is improved.

Description

Technical Field

[0001] This application relates to the technical field of fintech, and in particular, to a warning method, device, electronic device, and storage medium for secondary mortgage of vehicles. Background Art

[0002] In business activities, an auto finance leasing company acts as a lessor, purchases a vehicle and leases it to a lessee for use. The lessee usually needs to mortgage the vehicle to the auto finance leasing company as collateral and pay rent periodically to obtain the right to use the vehicle. The secondary mortgage of a vehicle usually refers to the situation where the vehicle has been mortgaged to a certain financial institution or individual for the first time, and the vehicle owner mortgages the mortgaged vehicle again to a different creditor or platform. If a vehicle leased by an auto finance leasing company is mortgaged secondarily, the auto finance leasing company is more likely to be involved in vehicle disposal disputes, and the bad debt rate of the auto finance leasing company is relatively high. To solve this problem, currently, it is usually necessary for manual workers to judge whether there is a secondary mortgage risk of a vehicle based on multiple data and give a warning when it is determined that there is a secondary mortgage risk, resulting in a relatively low warning efficiency. Summary of the Invention

[0003] The main purpose of the embodiments of this application is to propose a warning method, device, electronic device, and storage medium for secondary mortgage of vehicles, aiming to improve the warning efficiency of secondary mortgage of vehicles.

[0004] To achieve the above object, a first aspect of the embodiments of this application proposes a warning method for secondary mortgage of vehicles, and the method includes:

[0005] Determine a secondary mortgage location according to the historical mortgage information of multiple historical mortgaged vehicles, where the secondary mortgage location is the parking location where the vehicle is secondarily mortgaged;

[0006] Obtain the current location of the vehicle to be monitored;

[0007] If the duration that the distance between the current location of the vehicle to be monitored and the secondary mortgage location is less than a first preset distance is greater than a first preset duration, output a warning message, where the warning message is used to warn that the vehicle to be monitored has a secondary mortgage risk.

[0008] In some embodiments, the historical mortgage information includes a secondary mortgage identifier and a first time when the secondary mortgage identifier is obtained;

[0009] The determining of the secondary mortgage location according to the historical mortgage information of multiple historical mortgaged vehicles includes:

[0010] For each of the historical mortgaged vehicles, if the secondary mortgage identifier corresponding to the historical mortgaged vehicle is a preset identifier, then the historical mortgaged vehicle is used as a target mortgaged vehicle, and at least one location information uploaded by the target mortgaged vehicle within a preset time period is obtained. The location information includes a first location of the target mortgaged vehicle and a second moment when the first location is uploaded. The preset time period is determined according to the first moment;

[0011] The first location corresponding to the second moment with the smallest time interval from the first moment is used as the to-be-confirmed mortgaged location corresponding to the target mortgaged vehicle;

[0012] The secondary mortgaged location is determined according to the to-be-confirmed mortgaged location corresponding to the target mortgaged vehicle.

[0013] In some embodiments, after determining the secondary mortgaged location according to the to-be-confirmed mortgaged location corresponding to the target mortgaged vehicle, the method further includes:

[0014] Target location information with a distance between the first location and the secondary mortgaged location less than a second preset distance is screened out from at least one location information of the target mortgaged vehicle;

[0015] The secondary mortgage duration of the target mortgaged vehicle is determined according to the second moment in the target location information.

[0016] In some embodiments, determining the secondary mortgaged location according to the to-be-confirmed mortgaged location corresponding to the target mortgaged vehicle includes:

[0017] The to-be-confirmed mortgaged locations corresponding to each target mortgaged vehicle are screened to obtain the secondary mortgaged location. The secondary mortgaged location includes multiple to-be-confirmed mortgaged locations, and the distance between any two to-be-confirmed mortgaged locations among the multiple to-be-confirmed mortgaged locations is greater than a third preset distance;

[0018] Or,

[0019] The to-be-confirmed mortgaged locations corresponding to each target mortgaged vehicle are screened to obtain the to-be-confirmed mortgaged locations corresponding to M target mortgaged vehicles. The distance between any two to-be-confirmed mortgaged locations among the to-be-confirmed mortgaged locations corresponding to the M target mortgaged vehicles is less than a fourth preset distance;

[0020] If M is greater than N, then any one of the to-be-confirmed mortgaged locations corresponding to the M target mortgaged vehicles is used as the secondary mortgaged location, and the to-be-confirmed mortgaged locations corresponding to L target mortgaged vehicles are used as the secondary mortgaged location, where N is determined according to the number of target mortgaged vehicles, and L is the number of target mortgaged vehicles minus M.

[0021] In some embodiments, the output of the warning information includes:

[0022] Obtain a plurality of second positions uploaded by the monitored vehicle in a historical time period;

[0023] Perform clustering analysis on the plurality of second positions to obtain a low-risk area corresponding to the monitored vehicle;

[0024] If the second mortgage location whose distance from the current location is less than the first preset distance is not within the low-risk area, output the warning information.

[0025] In some embodiments, the warning information includes the warning time, the vehicle identification information of the monitored vehicle, and the second mortgage location whose distance from the current location is less than the first preset distance.

[0026] In some embodiments, the output of the warning information includes:

[0027] Send the warning information to a supervision terminal so that the supervision terminal controls the monitored vehicle according to the warning information.

[0028] To achieve the above object, a second aspect of the embodiments of the present application proposes a warning device for vehicle second mortgage, and the device includes:

[0029] A determination module, configured to determine a second mortgage location according to the historical mortgage information of multiple historical mortgaged vehicles, where the second mortgage location is the parking location where the vehicle undergoes a second mortgage;

[0030] An acquisition module, configured to acquire the current location of the monitored vehicle;

[0031] An output module, configured to output warning information if the duration for which the distance between the current location of the monitored vehicle and the second mortgage location is less than the first preset distance is greater than the first preset duration, and the warning information is used to warn of the risk of second mortgage of the monitored vehicle.

[0032] To achieve the above object, a third aspect of the embodiments of the present application proposes an electronic device, which includes a memory and a processor, the memory stores a computer program, and when the processor executes the computer program, it implements the warning method for vehicle second mortgage described in the first aspect above.

[0033] To achieve the above object, a fourth aspect of the embodiments of the present application proposes a computer-readable storage medium, which stores a computer program, and when the computer program is executed by a processor, it implements the warning method for vehicle second mortgage described in the first aspect above.

[0034] The early warning method, device, electronic device and storage medium for the secondary mortgage of vehicles proposed in this application determine the secondary mortgage location according to the historical mortgage information of multiple historical mortgaged vehicles, and then obtain the current location of the monitored vehicle. If the duration for which the distance between the current location of the monitored vehicle and the secondary mortgage location is less than the first preset distance is greater than the first preset duration, an early warning message is output. Through the above steps, it is possible to quickly determine whether there is a risk of secondary mortgage for the monitored vehicle based on the relatively accurate secondary mortgage location, and give an early warning when there is a risk of secondary mortgage for the monitored vehicle, improving the early warning efficiency of the secondary mortgage of vehicles. Description of the Drawings

[0035] Figure 1 is a flowchart of the early warning method for the secondary mortgage of vehicles provided by an embodiment of the present application;

[0036] Figure 2 is Figure 1 a flowchart of step S101 in

[0037] Figure 3 is Figure 1 another flowchart of step S101 in

[0038] Figure 4 is another flowchart of the early warning method for the secondary mortgage of vehicles provided by an embodiment of the present application;

[0039] Figure 5 is a schematic structural diagram of the early warning device for the secondary mortgage of vehicles provided by an embodiment of the present application;

[0040] Figure 6 is a schematic hardware structure diagram of the electronic device provided by an embodiment of the present application. Detailed Embodiments

[0041] In order to make the purpose, technical solutions and advantages of the present application clearer, the present application will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0042] It should be noted that although the functional modules are divided in the device schematic diagram and the logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in a different order from the module division in the device or the flowchart in the flowchart. The terms "first", "second", etc. in the specification, claims and the above drawings are used to distinguish similar objects and do not have to be used to describe a specific order or sequence.

[0043] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the technical field to which this application belongs. The terms used herein are for the purpose of describing embodiments of this application only and are not intended to limit this application.

[0044] First, some terms involved in this application are analyzed as follows:

[0045] Automobile financial lease: A financial service method, usually a lease model provided by financial institutions or automobile companies. In this model, consumers or enterprises obtain the right to use a vehicle through leasing. During the lease period, consumers usually need to pay rent monthly until the lease expires. There are mainly two forms of automobile financial lease. The first is financial lease, that is, when consumers or enterprises pay rent, they usually have the option to purchase the vehicle after the lease expires. The second is operating lease, that is, no option to purchase the vehicle is provided, and the vehicle is returned to the leasing company after the lease expires. Consumers only need to pay rent, and the leasing company is responsible for the maintenance and management of the vehicle.

[0046] Second mortgage: The act of using an existing vehicle loan to mortgage the vehicle again.

[0047] Generally, in order to obtain borrowing funds, the lessee usually applies for a loan from the second mortgage institution at a price slightly lower than the value of the vehicle. And most second mortgage institutions, in order to dispose of the vehicle in case the borrower (i.e., the lessee) cannot repay the loan, knowingly agree to provide a loan even though they know the borrower is borrowing repeatedly. In this case, if a vehicle leased by an automobile financial leasing company is second mortgaged by the lessee, the automobile financial leasing company may get involved in vehicle disposal disputes, increasing the operating costs of the automobile financial leasing company. At the same time, it may also form bad debts, increasing the bad debt rate of the automobile financial leasing company. Therefore, it is particularly important for the automobile financial leasing company to timely, efficiently and accurately warn of the second mortgage risk of the vehicles leased by it to avoid the vehicles leased being second mortgaged by the lessee.

[0048] Based on this, the embodiments of this application provide a method, device, electronic device and storage medium for warning of vehicle second mortgage, aiming to improve the warning efficiency of vehicle second mortgage.

[0049] The method, device, electronic device and storage medium for warning of vehicle second mortgage provided by the embodiments of this application are specifically described through the following embodiments. First, the method for warning of vehicle second mortgage in the embodiments of this application is described.

[0050] Embodiments of the present application can acquire and process relevant data based on artificial intelligence technology. Among them, artificial intelligence (AI) is a theory, method, technology, and application system that uses digital computers or machines controlled by digital computers to simulate, extend, and expand human intelligence, perceive the environment, acquire knowledge, and use knowledge to obtain the best results.

[0051] Artificial intelligence basic technologies generally include technologies such as sensors, dedicated artificial intelligence chips, cloud computing, distributed storage, big data processing technologies, operation / interaction systems, and mechatronics. Artificial intelligence software technologies mainly include several major directions such as computer vision technology, robotics, biometric technology, speech processing technology, natural language processing technology, and machine learning / deep learning.

[0052] The early warning method for vehicle secondary mortgage provided by embodiments of the present application relates to the field of fintech technology. The early warning method for vehicle secondary mortgage provided by embodiments of the present application can be applied to a terminal, can also be applied to a server side, or can also be software running on a terminal or a server side. In some embodiments, the terminal can be a smart phone, a tablet computer, a laptop computer, a desktop computer, etc.; the server side can be configured as an independent physical server, can also be configured as a server cluster or a distributed system composed of multiple physical servers, or can also be configured as a cloud server providing basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery networks, and big data and artificial intelligence platforms; the software can be an application that implements the early warning method for vehicle secondary mortgage, etc., but is not limited to the above forms.

[0053] The present application can be used in many general or special computer system environments or configurations. For example: personal computers, server computers, handheld devices or portable devices, tablet-type devices, multi-processor systems, microprocessor-based systems, set-top boxes, programmable consumer electronic devices, small computers, large computers, distributed computing environments including any of the above systems or devices, and so on. The present application can be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. The present application can also be practiced in a distributed computing environment, where tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules can be located in local and remote computer storage media including storage devices.

[0054] It should be noted that in each specific embodiment of the present application, when it comes to relevant processing based on data related to the user's identity or characteristics, such as user information, user behavior data, user historical data, and user location information, the user's permission or consent will be obtained first. Moreover, the collection, use, and processing of these data will comply with relevant laws, regulations, and standards. In addition, when the embodiments of the present application need to obtain the user's sensitive personal information, the user's separate permission or separate consent will be obtained through methods such as pop-up windows or redirecting to a confirmation page. After clearly obtaining the user's separate permission or separate consent, the necessary user-related data for the normal operation of the embodiments of the present application will be obtained.

[0055] Figure 1 is a flowchart of a vehicle secondary mortgage warning method provided by an embodiment of the present application. Please refer to Figure 1 . The vehicle secondary mortgage warning method provided by the embodiments of the present application can be applied to an electronic device, such as a server. Figure 1 The method in

[0056] Step S101, determining a secondary mortgage location according to the historical mortgage information of multiple historical mortgaged vehicles, where the secondary mortgage location is the parking location where the vehicle undergoes a secondary mortgage;

[0057] Step S102, obtaining the current location of the monitored vehicle;

[0058] Step S103, if the duration for which the distance between the current location of the monitored vehicle and the secondary mortgage location is less than a first preset distance is greater than a first preset duration, then output a warning message, where the warning message is used to warn of the risk of secondary mortgage of the monitored vehicle.

[0059] The electronic device can give an early warning of the risk of second mortgage for the monitored vehicle. Among them, the monitored vehicle refers to the vehicle leased by the auto finance leasing company and is usually monitored by the auto finance leasing company. Specifically, the historical mortgage information of multiple historical mortgaged vehicles can be obtained. A historical mortgaged vehicle refers to a vehicle mortgaged to the auto finance leasing company within a historical time period and monitored by the auto finance leasing company. Among the multiple historical mortgaged vehicles, there is at least one historical mortgaged vehicle that has been second mortgaged. The historical mortgage information includes the mortgage information related to the historical mortgaged vehicle. For example, the historical mortgage information can include the vehicle identification information of the historical mortgaged vehicle (such as the vehicle identification number, etc.), the debt collection time corresponding to the historical mortgaged vehicle, the second mortgage identifier corresponding to the historical mortgaged vehicle or other information. Thus, according to the historical mortgage information of the multiple historical mortgaged vehicles, at least one target mortgaged vehicle among the multiple historical mortgaged vehicles can be determined, that is, the historical mortgaged vehicle that has been second mortgaged. Thus, according to the location information corresponding to the target mortgaged vehicle, the location where the target mortgaged vehicle is parked after being disposed of by the second mortgage institution can be determined, and this location is determined as the second mortgage location.

[0060] After determining the second mortgage location, the current location of the monitored vehicle can be obtained in real time. Both the second mortgage location and the current location of the monitored vehicle can be marked using longitude and latitude. Then, the haversine formula or the Vincenty formula can be used to calculate the distance between the current location of the monitored vehicle and the second mortgage location, or the current location of the monitored vehicle can also be converted to a plane coordinate system, and then the distance between the current location of the monitored vehicle and the second mortgage location can be calculated. In this way, the distance between the current location of the monitored vehicle and the second mortgage location can be obtained. If the distance between the current location of the monitored vehicle and the second mortgage location is less than the first preset distance, the duration for which the distance between the current location of the monitored vehicle and the second mortgage location is less than the first preset distance is further determined. When the duration is greater than the first preset duration, a warning message can be output to give an early warning of the risk of second mortgage for the monitored vehicle. Among them, the first preset distance and the first preset duration can both be determined according to the actual situation. For example, the first preset distance can be 300 meters, and the first preset duration can be 12 hours, or other distances and durations can also be used, which are not limited here. The warning message can include the vehicle identification information of the monitored vehicle, the second mortgage location where the monitored vehicle is located, and other information. Thus, an early warning of the risk of second mortgage for the monitored vehicle can be realized.

[0061] Steps S101 to S103 shown in the embodiments of the present application determine the secondary mortgage location based on the historical mortgage information of multiple historical mortgaged vehicles, and then obtain the current position of the monitored vehicle. If the duration for which the distance between the current position of the monitored vehicle and the secondary mortgage location is less than the first preset distance is greater than the first preset duration, a warning message is output. Through the above steps, it is possible to quickly determine whether there is a risk of secondary mortgage for the monitored vehicle based on the secondary mortgage location with relatively high accuracy, and give a warning when there is a risk of secondary mortgage for the monitored vehicle, improving the warning efficiency of vehicle secondary mortgage.

[0062] Figure 2 Yes Figure 1 is a flowchart of step S101 in Figure 2 . In some embodiments, the historical mortgage information includes a secondary mortgage identifier and a first moment when the secondary mortgage identifier is obtained;

[0063] The determination of the secondary mortgage location based on the historical mortgage information of multiple historical mortgaged vehicles includes:

[0064] Step S201, for each of the historical mortgaged vehicles, if the secondary mortgage identifier corresponding to the historical mortgaged vehicle is a preset identifier, then use the historical mortgaged vehicle as a target mortgaged vehicle, and obtain at least one position information uploaded by the target mortgaged vehicle within a preset time period. The position information includes a first position of the target mortgaged vehicle and a second moment when the first position is uploaded. The preset time period is determined based on the first moment;

[0065] Step S202, use the first position corresponding to the second moment with the smallest time interval from the first moment as the to-be-confirmed mortgage location corresponding to the target mortgaged vehicle;

[0066] Step S203, determine the secondary mortgage location based on the to-be-confirmed mortgage location corresponding to the target mortgaged vehicle.

[0067] The historical mortgage information includes a second mortgage identifier and a first moment when the second mortgage identifier is obtained. The second mortgage identifier is used to identify whether each historical mortgaged vehicle has been second mortgaged, and can be in the form of numbers, symbols, words or other forms as long as it can be recognized. In one example, the second mortgage identifier can be "second mortgaged vehicle", "the vehicle has been second mortgaged", "the vehicle has not been second mortgaged" or other words as the identifier. In another example, the second mortgage identifier can also be 0, 1 or other numbers as the identifier. Thus, for each historical mortgaged vehicle, it can be determined whether the second mortgage identifier corresponding to the historical mortgaged vehicle is a preset identifier. Among them, if "the vehicle has been second mortgaged", "the vehicle has not been second mortgaged" are used as the second mortgage identifier, then the preset identifier can be "the vehicle has been second mortgaged". Or, if 0 is used to identify that the historical mortgaged vehicle has not been second mortgaged and 1 is used to identify that the historical mortgaged vehicle has been second mortgaged, then the preset identifier is 1.

[0068] If the second mortgage identifier corresponding to the historical mortgaged vehicle is the preset identifier, at this time it can be determined that the historical mortgaged vehicle has been second mortgaged, then the historical mortgaged vehicle can be used as the target mortgaged vehicle, and at least one location information uploaded by the target mortgaged vehicle within a preset time period can be obtained. The preset time period can be determined according to the first moment. For example, the preset time period can be the time period from the first moment to a certain moment after the first moment. Or, the preset time period can be the time period from a certain moment before the first moment to the first moment. Or, it can also be the time period from a certain moment before the first moment to a certain moment after the first moment. The location information includes the first location of the target mortgaged vehicle and the second moment when the first location is uploaded.

[0069] Subsequently, the time interval between at least one second moment and the first moment can be determined, and the first position corresponding to the second moment with the smallest time interval from the first moment is used as the to-be-confirmed mortgage location corresponding to the target mortgaged vehicle. At this time, the to-be-confirmed mortgage location corresponding to the target mortgaged vehicle can be obtained, and then the to-be-confirmed mortgage location corresponding to the target mortgaged vehicle can be further confirmed to determine the secondary mortgage location. Exemplarily, relevant information of business units within a first range around the to-be-confirmed mortgage location can be obtained, and based on the obtained relevant information of the business units, it can be determined whether there is a secondary mortgage institution within the first range. If there is a secondary mortgage institution, the to-be-confirmed mortgage location can be used as the secondary mortgage location. Or, the vehicle aggregation density within a second range around the to-be-confirmed mortgage location can be obtained, and when the vehicle aggregation density is greater than the preset density, the to-be-confirmed mortgage location is used as the secondary mortgage location. The vehicle aggregation density can be determined according to the area of the second range and the number of vehicles parked within the second range. Moreover, the to-be-confirmed mortgage location can be used as the geometric center to determine the first range and the second range, and the areas of the first range and the second range can be the same or different. In this way, the secondary mortgage location can be determined to facilitate subsequent early warning of the secondary mortgage risk existing in the monitored vehicle based on the secondary mortgage location.

[0070] Figure 3 Yes Figure 1 Another flowchart of step S101 in Figure 3 . Figure 3 The method in includes but is not limited to steps S301 to S305, where:

[0071] Step S301, for each of the historical mortgaged vehicles, if the secondary mortgage identifier corresponding to the historical mortgaged vehicle is a preset identifier, the historical mortgaged vehicle is used as the target mortgaged vehicle, and at least one position information uploaded by the target mortgaged vehicle within a preset time period is obtained. The position information includes the first position of the target mortgaged vehicle and the second moment when the first position is uploaded, and the preset time period is determined according to the first moment;

[0072] Step S302, the first position corresponding to the second moment with the smallest time interval from the first moment is used as the to-be-confirmed mortgage location corresponding to the target mortgaged vehicle;

[0073] Step S303, based on the to-be-confirmed mortgage location corresponding to the target mortgaged vehicle, the secondary mortgage location is determined.

[0074] For the above steps S301 - S303, reference can specifically be made to steps S201 - S203, which will not be elaborated here.

[0075] Step S304: Screen out the target location information where the distance between the first location and the secondary mortgage location is less than the second preset distance from at least one location information of the target mortgaged vehicle;

[0076] Step S305: Determine the secondary mortgage duration of the target mortgaged vehicle according to the second moment in the target location information.

[0077] After determining the secondary mortgage location, the secondary mortgage duration of the target mortgaged vehicle can be determined. Specifically, the target mortgaged vehicle uploads at least one location information within a preset time period. Therefore, the location information can be screened according to the first location in the at least one location information to obtain the target location information. That is, the location information where the distance between the first location and the secondary mortgage location is less than the second preset distance is used as the target location information. Among them, the second preset distance can be determined according to the actual situation. For example, the second preset distance can be 100 meters, or it can also be 80 meters, which is not limited here. In this way, the second moment in the target location information can be used as the starting moment of the secondary mortgage of the target mortgaged vehicle, and then the difference between the current moment and the starting moment of the secondary mortgage of the target mortgaged vehicle can be determined to obtain the secondary mortgage duration of the target mortgaged vehicle. The current moment is the moment when the secondary mortgage duration of the target mortgaged vehicle starts to be determined. It should be noted that in the case where there are multiple target location information, the second moment with the largest time interval from the current moment is used as the starting moment of the secondary mortgage of the target mortgaged vehicle. In this way, the secondary mortgage duration of the target mortgaged vehicle can be determined, which is convenient for subsequent analysis of the relevant situations of the secondary mortgage of the target mortgaged vehicle.

[0078] In some embodiments, the determining the secondary mortgage location according to the to-be-confirmed mortgage location corresponding to the target mortgaged vehicle includes:

[0079] Screen the to-be-confirmed mortgage locations corresponding to each target mortgaged vehicle to obtain the secondary mortgage locations. The secondary mortgage locations include multiple to-be-confirmed mortgage locations, and the distance between any two of the multiple to-be-confirmed mortgage locations is greater than the third preset distance;

[0080] Or,

[0081] Screen the to-be-confirmed mortgage locations corresponding to each target mortgaged vehicle to obtain the to-be-confirmed mortgage locations corresponding to M target mortgaged vehicles. The distance between any two of the to-be-confirmed mortgage locations corresponding to the M target mortgaged vehicles is less than the fourth preset distance;

[0082] If M is greater than N, any one of the to-be-confirmed mortgage locations corresponding to the M target mortgaged vehicles is used as the secondary mortgage location, and the to-be-confirmed mortgage locations corresponding to the L target mortgaged vehicles are used as the secondary mortgage location, where N is determined according to the number of the target mortgaged vehicles, and L is the number of the target mortgaged vehicles minus M.

[0083] In the case where there are multiple target mortgaged vehicles, the secondary mortgage location can be determined according to the to-be-confirmed mortgage locations corresponding to the target mortgaged vehicles. Specifically, the to-be-confirmed mortgage locations corresponding to each target mortgaged vehicle can be screened to obtain multiple to-be-confirmed mortgage locations whose distances from any to-be-confirmed mortgage location are greater than the third preset distance. The secondary mortgage location includes the multiple to-be-confirmed mortgage locations. In this way, the secondary mortgage location can be determined. Alternatively, after screening the to-be-confirmed mortgage locations corresponding to each target mortgaged vehicle, the to-be-confirmed mortgage locations corresponding to M target mortgaged vehicles can be determined. At this time, the distance between any two of the to-be-confirmed mortgage locations corresponding to the M target mortgaged vehicles is less than the fourth preset distance. If M is greater than N, it can be determined that there are more target mortgaged vehicles gathered at this time. The possibility that the to-be-confirmed mortgage locations corresponding to the M target mortgaged vehicles belong to the same secondary mortgage location is relatively high. Therefore, only any one of the to-be-confirmed mortgage locations corresponding to the M target mortgaged vehicles is used as the secondary mortgage location. Both M and N are integers greater than or equal to 1. At the same time, since the distance between any two of the to-be-confirmed mortgage locations corresponding to the L target mortgaged vehicles is greater than or equal to the fourth preset distance, the possibility that the to-be-confirmed mortgage locations corresponding to the L target mortgaged vehicles belong to the same secondary mortgage location is relatively low. Therefore, the to-be-confirmed mortgage locations corresponding to the L target mortgaged vehicles can be used as the secondary mortgage location, thereby obtaining the secondary mortgage location.

[0084] Through the foregoing steps, the possibility of repetition of the obtained secondary mortgage location can be reduced, and the efficiency of the subsequent risk warning process can be further improved.

[0085] In some embodiments, the outputting of the warning information includes:

[0086] Obtaining a plurality of second positions uploaded by the monitored vehicle in a historical time period;

[0087] Performing cluster analysis on the plurality of second positions to obtain a low-risk area corresponding to the monitored vehicle;

[0088] If the secondary mortgage location whose distance from the current position is less than the first preset distance is not within the low-risk area, the warning information is output.

[0089] Specifically, multiple second positions uploaded by the monitored vehicle in a historical time period can be obtained. Herein, the historical time period refers to a certain time period before obtaining the current position of the monitored vehicle, which can be adjusted according to actual situations. Subsequently, through a clustering algorithm, such as the K-means clustering algorithm, density-based clustering algorithm, etc., clustering analysis can be performed on the multiple second positions to obtain the low-risk area corresponding to the monitored vehicle, that is, the area where the monitored vehicle frequently moves. If the second mortgage location whose distance from the current position is less than the first preset distance is not within the low-risk area, a warning message can be output. If the second mortgage location whose distance from the current position is less than the first preset distance is within the low-risk area, the output of the warning message is suppressed. Through the foregoing steps, the possibility of false alarms of the warning message can be reduced, and the accuracy of the second mortgage risk warning of the monitored vehicle can be improved.

[0090] In some embodiments, the warning message includes the warning time, the vehicle identification information of the monitored vehicle, and the second mortgage location whose distance from the current position is less than the first preset distance.

[0091] Specifically, the warning message includes the warning time, the vehicle identification information of the monitored vehicle, and the second mortgage location whose distance from the current position is less than the first preset distance. Among them, the warning time refers to the time when the warning message is generated, and the vehicle identification information of the monitored vehicle may include at least one of the vehicle identification number, license plate number, and engine number of the monitored vehicle. In this way, the receiving end of the warning message can accurately locate the monitored vehicle with the risk of second mortgage according to the warning message.

[0092] In some embodiments, the output of the warning message includes:

[0093] Sending the warning message to a supervision terminal so that the supervision terminal can control the monitored vehicle according to the warning message.

[0094] Specifically, if the duration during which the distance between the current position of the monitored vehicle and the second mortgage location is less than the first preset distance is greater than the first preset duration, the warning message can be sent to the supervision terminal at this time. The supervision terminal refers to the risk control terminal corresponding to the monitored vehicle. After receiving the warning message, the supervision terminal can accurately locate the monitored vehicle with the risk of second mortgage according to the warning message, and adjust the asset control strategy corresponding to the monitored vehicle to control the monitored vehicle, so as to preserve the assets in time.

[0095] Figure 4 This is another flowchart of the warning method for vehicle second mortgage provided by the embodiments of the present application. Please refer to Figure 4 . The warning method for vehicle second mortgage provided by the embodiments of the present application will be illustrated by examples below.

[0096] Step S401: Obtain the collection reports (i.e., historical mortgage information) of multiple historical mortgaged vehicles.

[0097] Obtain the collection reports of multiple historical mortgaged vehicles through the post-rental management system of the auto finance leasing company.

[0098] Step S402: Analyze the collection reports of multiple historical mortgaged vehicles to identify second-mortgaged vehicles (i.e., target mortgaged vehicles) and collection times (i.e., the first moment).

[0099] Analyze the obtained collection reports to determine the second-mortgaged vehicles among multiple historical mortgaged vehicles, and obtain the relevant information of the second-mortgaged vehicles, including the vehicle identification number (i.e., vehicle identification information) and collection time of the second-mortgaged vehicles. In the process of determining whether a historical mortgaged vehicle is a second-mortgaged vehicle, it is possible to identify whether a specific keyword, such as "the vehicle has been second-mortgaged" or "second-mortgaged vehicle", is included in the collection report corresponding to the historical mortgaged vehicle. If the foregoing keyword is identified in the collection report, it can be determined that the historical mortgaged vehicle corresponding to the collection report is a second-mortgaged vehicle.

[0100] Step S403: Obtain the location information reported by the second-mortgaged vehicle within a certain time range (i.e., the preset time period) before and after the collection time, and obtain the second mortgage location and the second mortgage duration based on the location information.

[0101] According to the vehicle identification number and collection time of the second-mortgaged vehicle, it is possible to obtain the location information of the second-mortgaged vehicle within a certain time range before and after the collection time from the vehicle's global positioning system, including the vehicle identification number, the reporting time of the positioning point (i.e., the second moment), and the longitude and latitude of the positioning point (i.e., the first location), and then analyze the second mortgage location and the second mortgage duration.

[0102] Among them, to analyze the second mortgage location, it is possible to obtain all the location information within a certain time range before and after the collection time, and use the longitude and latitude of the positioning point reported at the reporting time of the positioning point closest to the collection time as the second mortgage location, and add the second mortgage location to the vehicle second mortgage point list.

[0103] After obtaining the second mortgage location, it is possible to further analyze the second mortgage duration of the second-mortgaged vehicle. For example, after obtaining all the location information within a certain time range before and after the collection time, it is possible to use the reporting time of the positioning point corresponding to the longitude and latitude of the positioning point where the distance between the first reported position of the second-mortgaged vehicle and the second mortgage location is less than the distance threshold (i.e., the second preset distance) as the starting moment, and then determine the second mortgage duration based on the current moment and the starting moment. The distance threshold can be 100 meters. The second mortgage duration is the difference between the current moment and the starting moment.

[0104] Step S404: Obtain the current position reported by the vehicle under monitoring;

[0105] Step S405: Determine whether the current position reported by the monitored vehicle meets a preset judgment condition. If so, proceed to Step S406; if not, proceed to Step S407.

[0106] Make a judgment based on the current position reported by the monitored vehicle and the preset judgment condition. Specifically, the preset judgment condition means that the current position reported by the monitored vehicle is no more than 300 meters (i.e., the first preset distance) away from the determined second mortgage location for a continuous period of time (i.e., the duration is greater than the first preset duration). If the current position reported by the monitored vehicle meets the judgment condition, at this time, it can be determined that the monitored vehicle has a second mortgage risk, and proceed to Step S406. If the current position reported by the monitored vehicle does not meet the judgment condition, then proceed to Step S407 to end this round of judgment.

[0107] Step S406: Determine that the monitored vehicle has a second mortgage risk, generate a warning message, and push the warning message to the supervision terminal.

[0108] Step S407: End the judgment.

[0109] The warning method for vehicle second mortgage provided by this application analyzes the second-mortgaged vehicles among multiple historical mortgaged vehicles by parsing existing collection reports, and then obtains the second mortgage location and the second mortgage duration based on the location information within a certain time range before and after the collection time of the second-mortgaged vehicles. Subsequently, the current position reported by the monitored vehicle can be monitored, and it can be determined in real time whether the current position reported by the monitored vehicle meets the preset judgment condition, and a warning message is generated and pushed when the current position reported by the monitored vehicle in real time meets the judgment condition. In this way, the supervision terminal can timely adopt corresponding asset control strategies based on the warning message, reduce the lag of the second mortgage risk warning, improve the warning efficiency of vehicle second mortgage, and thus effectively reduce the bad debt rate of the auto finance leasing company.

[0110] Figure 5 This is a schematic structural diagram of the warning device for vehicle second mortgage provided by an embodiment of this application. Please refer to Figure 5 An embodiment of this application also provides a warning device 500 for vehicle second mortgage, which can implement the above warning method for vehicle second mortgage. The device 500 includes:

[0111] A determination module 501 for determining the second mortgage location according to the historical mortgage information of multiple historical mortgaged vehicles, where the second mortgage location is the parking position where the vehicle conducts a second mortgage;

[0112] An acquisition module 502 for acquiring the current position of the monitored vehicle;

[0113] An output module 503, configured to output a warning message if the duration during which the distance between the current position of the monitored vehicle and the second mortgage location is less than a first preset distance is greater than a first preset duration, where the warning message is used to warn of the risk of second mortgage for the monitored vehicle.

[0114] In some embodiments, the determination module 501 includes:

[0115] A first acquisition sub-module, configured to, for each of the historical mortgaged vehicles, if the second mortgage identifier corresponding to the historical mortgaged vehicle is a preset identifier, use the historical mortgaged vehicle as a target mortgaged vehicle, and acquire at least one position information uploaded by the target mortgaged vehicle within a preset time period, where the position information includes a first position of the target mortgaged vehicle and a second moment when the first position is uploaded, and the preset time period is determined according to the first moment;

[0116] A first determination sub-module, configured to use the first position corresponding to the second moment with the smallest time interval from the first moment as the to-be-confirmed mortgage location corresponding to the target mortgaged vehicle;

[0117] A second determination sub-module, configured to determine the second mortgage location according to the to-be-confirmed mortgage location corresponding to the target mortgaged vehicle.

[0118] In some embodiments, the determination module 501 further includes:

[0119] A screening sub-module, configured to screen out target position information in which the distance between the first position and the second mortgage location is less than a second preset distance from at least one position information of the target mortgaged vehicle;

[0120] A third determination sub-module, configured to determine the second mortgage duration of the target mortgaged vehicle according to the second moment in the target position information.

[0121] In some embodiments, the second determination sub-module includes:

[0122] A first screening unit, configured to screen the to-be-confirmed mortgage location corresponding to each of the target mortgaged vehicles to obtain the second mortgage location, where the second mortgage location includes a plurality of to-be-confirmed mortgage locations, and the distance between any two of the plurality of to-be-confirmed mortgage locations is greater than a third preset distance;

[0123] Or,

[0124] A second screening unit, configured to screen the to-be-confirmed mortgage locations corresponding to each of the target mortgaged vehicles, so as to obtain the to-be-confirmed mortgage locations corresponding to M target mortgaged vehicles, where the distance between any two of the to-be-confirmed mortgage locations corresponding to the M target mortgaged vehicles is less than a fourth preset distance;

[0125] A determination unit, configured to, if M is greater than N, use any one of the to-be-confirmed mortgage locations corresponding to the M target mortgaged vehicles as the secondary mortgage location, and use the to-be-confirmed mortgage locations corresponding to L target mortgaged vehicles as the secondary mortgage location, where N is determined according to the number of target mortgaged vehicles, and L is the number of target mortgaged vehicles minus M.

[0126] In some embodiments, the output module 503 includes:

[0127] A second acquisition sub-module, configured to acquire a plurality of second positions uploaded by the monitored vehicle in a historical time period;

[0128] An analysis sub-module, configured to perform clustering analysis on the plurality of second positions to obtain a low-risk area corresponding to the monitored vehicle;

[0129] A first output sub-module, configured to output the warning information if the secondary mortgage location whose distance from the current position is less than a first preset distance is not within the low-risk area.

[0130] In some embodiments, the warning information includes a warning time, vehicle identification information of the monitored vehicle, and a secondary mortgage location whose distance from the current position is less than a first preset distance.

[0131] In some embodiments, the output module 503 includes:

[0132] A second output sub-module, configured to send the warning information to a supervision terminal, so that the supervision terminal controls the monitored vehicle according to the warning information.

[0133] The specific implementation manner of the early warning device 500 for vehicle secondary mortgage is basically the same as the specific embodiments of the above-mentioned early warning method for vehicle secondary mortgage, and will not be elaborated here.

[0134] An embodiment of the present application further provides an electronic device, which includes a memory and a processor. The memory stores a computer program, and when the processor executes the computer program, the above-mentioned early warning method for vehicle secondary mortgage is implemented. The electronic device can be any intelligent terminal including a tablet computer, an in-vehicle computer, etc.

[0135] Figure 6It is a schematic diagram of the hardware structure of the electronic device provided by an embodiment of the present application. Please refer to Figure 6 . The electronic device includes:

[0136] A processor 601, which can be implemented in ways such as a general-purpose CPU (Central Processing Unit), a microprocessor, an application-specific integrated circuit (ASIC), or one or more integrated circuits, and is used to execute relevant programs to implement the technical solutions provided by the embodiments of the present application;

[0137] A memory 602, which can be implemented in forms such as a read-only memory (ROM), a static storage device, a dynamic storage device, or a random access memory (RAM). The memory 602 can store an operating system and other application programs. When implementing the technical solutions provided by the embodiments of this specification through software or firmware, the relevant program codes are stored in the memory 602 and are called by the processor 601 to execute the early warning method for the secondary mortgage of vehicles in the embodiments of the present application;

[0138] An input / output interface 603, which is used to implement information input and output;

[0139] A communication interface 604, which is used to implement communication interaction between this device and other devices. Communication can be achieved through wired means (such as USB, network cable, etc.) or wireless means (such as mobile network, WIFI, Bluetooth, etc.);

[0140] A bus 605, which transmits information between various components of the device (such as the processor 601, the memory 602, the input / output interface 603, and the communication interface 604);

[0141] Among them, the processor 601, the memory 602, the input / output interface 603, and the communication interface 604 are communicatively connected to each other inside the device through the bus 605.

[0142] An embodiment of the present application also provides a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, the above-mentioned early warning method for the secondary mortgage of vehicles is implemented.

[0143] The memory, as a non-transitory computer-readable storage medium, can be used to store non-transitory software programs and non-transitory computer-executable programs. In addition, the memory may include high-speed random access memory, and may also include non-transitory memory, such as at least one magnetic disk storage device, a flash memory device, or other non-transitory solid-state storage devices. In some embodiments, the memory may optionally include a memory remotely located relative to the processor, and these remote memories can be connected to the processor through a network. Examples of the above networks include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0144] The early warning method, device, electronic device and storage medium for secondary mortgage of vehicles proposed in this application determine the secondary mortgage location according to the historical mortgage information of multiple historical mortgaged vehicles, and then obtain the current position of the monitored vehicle. If the duration during which the distance between the current position of the monitored vehicle and the secondary mortgage location is less than the first preset distance is greater than the first preset duration, an early warning message is output. Through the above steps, it is possible to quickly determine whether there is a risk of secondary mortgage for the monitored vehicle based on the relatively accurate secondary mortgage location, and give an early warning when there is a risk of secondary mortgage for the monitored vehicle, improving the early warning efficiency of vehicle secondary mortgage.

[0145] The embodiments described in the embodiments of this application are for more clearly illustrating the technical solutions of the embodiments of this application, and do not constitute a limitation on the technical solutions provided by the embodiments of this application. Those skilled in the art will know that with the evolution of technology and the emergence of new application scenarios, the technical solutions provided by the embodiments of this application are equally applicable to similar technical problems.

[0146] Those skilled in the art can understand that the technical solutions shown in the figures do not constitute a limitation on the embodiments of this application, and may include more or fewer steps than those shown in the figures, or combine certain steps, or different steps.

[0147] The device embodiments described above are merely illustrative. The units described as separate components may or may not be physically separated, that is, they may be located in one place, or may be distributed to multiple network units. Some or all of the modules can be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0148] Those of ordinary skill in the art can understand that all or some of the steps in the methods disclosed above, and the functional modules / units in the systems and devices can be implemented as software, firmware, hardware, and appropriate combinations thereof.

[0149] In the description of the present application and the above-mentioned accompanying drawings, the terms "first", "second", "third", "fourth", etc. (if any) are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged under appropriate circumstances so that the embodiments of the present application described here can be implemented in an order other than those illustrated or described here. In addition, the terms "comprising" and "having" and any variations thereof are intended to cover non-exclusive inclusion. For example, a process, method, system, product, or device that comprises a series of steps or units does not necessarily have to be limited to those steps or units clearly listed, but may include other steps or units not clearly listed or inherent to these processes, methods, products, or devices.

[0150] It should be understood that in the present application, "at least one (item)" means one or more, and "a plurality" means two or more. "And / or" is used to describe the association relationship of associated objects and indicates that there can be three relationships. For example, "A and / or B" can mean: only A exists, only B exists, and both A and B exist at the same time. Among them, A and B can be singular or plural. The character " / " generally means that the associated objects before and after are in an "or" relationship. "At least one (one) of the following" or its similar expression means any combination of these items, including any combination of single items (ones) or plural items (ones). For example, at least one (one) of a, b, or c can mean: a, b, c, "a and b", "a and c", "b and c", or "a and b and c", where a, b, c can be single or multiple.

[0151] In several embodiments provided by the present application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are merely illustrative. For example, the above-mentioned division of units is only a logical function division. In actual implementation, there may be other division methods. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the displayed or discussed coupling or direct coupling or communication connection to each other can be through some interfaces. The indirect coupling or communication connection of devices or units can be in electrical, mechanical, or other forms.

[0152] The units described above as separate components may or may not be physically separated. The components displayed as units may or may not be physical units, that is, they can be located in one place or distributed to multiple network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0153] In addition, in each embodiment of the present application, each functional unit may be integrated into one processing unit, may exist physically alone for each unit, or two or more units may be integrated into one unit. The above integrated unit may be implemented in the form of hardware or in the form of a software functional unit.

[0154] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it may be stored in a computer-readable storage medium. Based on such an understanding, the technical solution of the present application, in essence, or the part that contributes to the prior art, or all or part of the technical solution, may be embodied in the form of a software product. The computer software product is stored in a storage medium and includes multiple instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the methods in the various embodiments of the present application. The foregoing storage medium includes: various media such as USB flash drives, mobile hard disks, read-only memory (ROM), random access memory (RAM), magnetic disks, or optical discs that can store programs.

[0155] The preferred embodiments of the embodiments of the present application have been described above with reference to the accompanying drawings, and thus do not limit the scope of the rights of the embodiments of the present application. Any modifications, equivalent replacements, and improvements made by those skilled in the art without departing from the scope and essence of the embodiments of the present application shall be within the scope of the rights of the embodiments of the present application.

Claims

1. A vehicle secondary mortgage early warning method, characterized in that: The method comprises: Determining a secondary mortgage location based on historical mortgage information of multiple historically mortgaged vehicles, wherein the secondary mortgage location is a parking location of the vehicle for secondary mortgage; Get the current location of the monitored vehicle; If the distance between the current position of the monitored vehicle and the secondary mortgage location is less than the first preset distance for a duration greater than the first preset duration, an early warning message is output, and the early warning message is used to warn that the monitored vehicle has a secondary mortgage risk.

2. The method according to claim 1, characterized in that The historical mortgage information includes a second mortgage identifier and the first time the second mortgage identifier is obtained; The determining of the secondary mortgage location according to the historical mortgage information of the plurality of historically mortgaged vehicles includes: For each of the historical mortgaged vehicles, if the secondary mortgage identifier corresponding to the historical mortgaged vehicle is a preset identifier, the historical mortgaged vehicle is used as a target mortgaged vehicle, and at least one location information uploaded by the target mortgaged vehicle within a preset time period is obtained, the location information including a first location of the target mortgaged vehicle and a second time when the first location is uploaded, and the preset time period is determined according to the first time; Taking the first position corresponding to the second moment with the smallest time interval with the first moment as the to-be-confirmed mortgage location corresponding to the target mortgage vehicle; The secondary mortgage location is determined according to the to-be-confirmed mortgage location corresponding to the target mortgage vehicle.

3. The method according to claim 2, characterized in that After determining the secondary mortgage location according to the to-be-confirmed mortgage location corresponding to the target mortgage vehicle, the method further includes: Filtering the target location information whose distance between the first location and the second mortgage location is less than a second preset distance from the at least one location information of the target mortgage vehicle; According to the second moment in the target position information, the secondary mortgage duration of the target mortgage vehicle is determined.

4. The method according to claim 2, characterized in that: The determining the secondary mortgage location according to the to-be-confirmed mortgage location corresponding to the target mortgage vehicle includes: Screening the unconfirmed mortgage locations corresponding to each of the target mortgage vehicles to obtain the secondary mortgage locations, wherein the secondary mortgage locations include a plurality of unconfirmed mortgage locations, and a distance between any two of the plurality of unconfirmed mortgage locations is greater than a third preset distance; or, Screening the to-be-confirmed mortgage locations corresponding to each of the target mortgage vehicles to obtain M to-be-confirmed mortgage locations corresponding to the target mortgage vehicles, wherein the distance between any two to-be-confirmed mortgage locations among the M to-be-confirmed mortgage locations corresponding to the target mortgage vehicles is less than a fourth preset distance; If M is greater than N, any one of the to-be-confirmed mortgage locations corresponding to the M target mortgage vehicles will be used as the secondary mortgage location, and any one of the to-be-confirmed mortgage locations corresponding to the L target mortgage vehicles will be used as the secondary mortgage location, where N is determined based on the number of the target mortgage vehicles, and L is the number of the target mortgage vehicles minus M.

5. The method according to claim 1, characterized in that The output warning information includes: Acquire multiple second positions uploaded by the monitored vehicle in a historical time period; Performing cluster analysis on the plurality of second positions to obtain a low-risk area corresponding to the monitored vehicle; If the secondary mortgage location whose distance from the current location is less than the first preset distance is not within the low-risk area, the warning information is output.

6. The method according to claim 1, characterized in that The warning information includes the warning time, the vehicle identification information of the monitored vehicle, and a secondary mortgage location whose distance from the current location is less than a first preset distance.

7. The method according to claim 1, characterized in that The output warning information includes: The warning information is sent to a supervision terminal so that the supervision terminal can control the monitored vehicle according to the warning information.

8. A warning device for secondary mortgage of a vehicle, characterized in that: The device comprises: A determination module, used to determine a secondary mortgage location according to historical mortgage information of a plurality of historically mortgaged vehicles, wherein the secondary mortgage location is a parking location of the vehicle for secondary mortgage; An acquisition module is used to obtain the current position of the monitored vehicle; The output module is used to output warning information if the distance between the current position of the monitored vehicle and the secondary mortgage location is less than the first preset distance and the duration is greater than the first preset duration. The warning information is used to warn that the monitored vehicle has a secondary mortgage risk.

9. An electronic device, characterized in that: The electronic device includes a memory and a processor, the memory stores a computer program, and the processor implements the vehicle secondary mortgage warning method according to any one of claims 1 to 7 when executing the computer program.

10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the early warning method for secondary mortgage of a vehicle according to any one of claims 1 to 7 is implemented.

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