Multi-mode supervision system and method for vehicle financial risk control

Abstract

The invention discloses a multi-mode supervision system and method for vehicle financial risk control, relates to the field of automobile finance, solves the problem of low financial vehicle supervision efficiency, and comprises a server, a vehicle approval module, a vehicle supervision module and a vehicle unlocking module. The vehicle examination and approval module is used for examining and approving the warehousing operation of the target financial vehicle according to the archive of the target financial vehicle, obtaining a garage locking request of the target financial vehicle and sending the garage locking request to a financial vehicle factory; the vehicle supervision module is used for supervising a target financial vehicle in a supervision garage and sending a real-time position coordinate of the target financial vehicle and a warning signal to the server; the vehicle unlocking module is used for judging an unlocking condition of the target financial vehicle and unlocking or rejecting the target financial vehicle; and the server is used for realizing information interaction between a financial vehicle factory and a dealer and receiving a warning signal of a target financial vehicle. According to the invention, efficient supervision of the financial vehicle is realized.

Description

Technical Field

[0001] The present invention relates to the technical field of automotive finance, and particularly to a multimodal supervision system and method for vehicle financial risk control. Background Technique

[0002] With the rapid development of the automotive market, there is a large amount of financing demand among automobile manufacturers and dealers. In the era of gasoline vehicles, the main financing cooperation plans among automobile manufacturers, dealers, and banks mainly used the vehicle certificate of title as collateral; vehicle mortgage financing, as a financing method, has a history that can be traced back to an earlier period and gradually emerged with the booming development of the automotive consumer market and the continuous advancement of financial innovation. In the context of the electric vehicle era, financing vehicles can be controlled through the in-vehicle system, making management more flexible and convenient.

[0003] However, at the present stage, when supervising financial vehicles, it is mainly through manual offline supervision by supervisors, and no suitable supervision system is selected for supervision. The traditional supervision method cannot achieve all-weather and comprehensive supervision, wasting human resources and also unable to guarantee the supervision efficiency.

[0004] Therefore, the present invention proposes a multimodal supervision system and method for vehicle financial risk control. Summary of the Invention

[0005] The purpose of the present invention is to propose a multimodal supervision system and method for vehicle financial risk control to solve the problems raised in the above background technique.

[0006] To achieve the above purpose, the present invention adopts the following technical solutions:

[0007] A multimodal supervision system for vehicle financial risk control includes a first subsystem, and the first subsystem includes a data collection module, a server, a vehicle approval module, a vehicle supervision module, and a vehicle unlocking module.

[0008] The data collection module is used to collect the vehicle identification information of the target financial vehicle and send the vehicle identification information to the vehicle approval module and the target bank; the vehicle approval module is used to approve the warehousing operation of the target financial vehicle according to the file of the target financial vehicle, and send the garage locking request of the target financial vehicle to the financial vehicle factory; the vehicle supervision module is used to supervise the target financial vehicle in the supervision garage and send the real-time position coordinates and warning signals of the target financial vehicle to the server; the vehicle unlocking module is used to judge the unlocking conditions of the target financial vehicle and unlock or reject the target financial vehicle; the server is used to create the file of the target financial vehicle, realize the information interaction between the financial vehicle factory and the dealer, and receive the warning signals of the target financial vehicle.

[0009] Further, the approval process of the vehicle approval module is as follows:

[0010] Obtain the file of the target financial vehicle, and read the number of vehicles of the target financial vehicle and the vehicle storage location of each financial vehicle;

[0011] Count the actual number of target financial vehicles, and compare the actual number of target financial vehicles with the number of vehicles in the file;

[0012] If the actual number of target financial vehicles is different from the number of vehicles in the file, reject the warehousing operation of the target financial vehicle; if the actual number of target financial vehicles is the same as the number of vehicles in the file, proceed to the subsequent steps;

[0013] Obtain the vehicle identification information of the target financial vehicle to obtain the identification vehicle frame number, identification license plate number, and identification engine number of the target financial vehicle.

[0014] Further, the approval process of the vehicle approval module further includes:

[0015] Obtain the actual vehicle frame number, actual license plate number, and actual engine number of the target financial vehicle;

[0016] Compare the identification vehicle frame number of the target financial vehicle with the actual vehicle frame number, compare the identification license plate number of the target financial vehicle with the actual license plate number, and compare the identification engine number of the target financial vehicle with the actual engine number;

[0017] If any of the comparison results is different, veto the warehousing operation of the target financial vehicle;

[0018] If the comparison results are all the same, approve the warehousing operation of the target financial vehicle, take a vehicle image of the target financial vehicle; input the target financial vehicle into the vehicle storage location corresponding to the target financial vehicle, and generate a garage locking request to perform a primary lock on the target financial vehicle in the supervised garage.

[0019] Further, the supervision process of the vehicle supervision module includes:

[0020] Obtain the position coordinates of the center of the vehicle storage location corresponding to the target financial vehicle;

[0021] Set the electronic fence range corresponding to the target financial vehicle with the position coordinates of the center of the vehicle storage location as the center and a preset radius as the radius;

[0022] Set the vehicle warning range corresponding to the target financial vehicle with the position coordinates of the center of the vehicle storage location as the center and half of the preset radius as the radius;

[0023] Read the real-time position coordinates of the target financial vehicle through the in-vehicle control terminal installed on the target financial vehicle;

[0024] If the real-time position coordinates of the target financial vehicle are within the vehicle warning range, no operation is performed; if the real-time position coordinates of the target financial vehicle are outside the vehicle warning range and within the electronic fence range, a warning signal is generated; if the real-time position coordinates of the target financial vehicle are outside the electronic fence range, the target financial vehicle is locked at the second level.

[0025] Furthermore, the working process of the vehicle unlocking module is specifically as follows:

[0026] Read the repayment information of the dealer through the file of the financial vehicle to obtain the dealer's expected repayment amount for the vehicle of the dealer;

[0027] Obtain the actual repayment amount of the dealer through the target bank; compare the dealer's expected repayment amount with the actual repayment amount of the dealer. If the actual repayment amount of the dealer is less than the dealer's expected repayment amount, the vehicle unlocking request is rejected;

[0028] If the actual repayment amount of the dealer is greater than or equal to the dealer's expected repayment amount, the subsequent steps are carried out.

[0029] Furthermore, the working process of the vehicle unlocking module also includes:

[0030] Obtain the vehicle unlocking request of the target financial vehicle to obtain the unlocking purpose of the target financial vehicle as: test drive unlocking, vehicle relocation unlocking or sale unlocking;

[0031] If the unlocking purpose is test drive unlocking, read the test drive reservation of the target financial vehicle through the dealer. If the reading fails, the vehicle unlocking request is rejected; if the reading is successful, a test drive unlocking signal is generated to unlock the target financial vehicle for test drive; if the unlocking purpose is vehicle relocation unlocking, a vehicle relocation unlocking signal is generated to unlock the target financial vehicle for vehicle relocation; if the unlocking purpose is sale unlocking, a permanent unlocking signal is generated to permanently unlock the target financial vehicle.

[0032] Furthermore, the multimodal supervision system further includes a second subsystem, which is used for the supervision of the target financial vehicle after the user purchases the vehicle. The second subsystem includes a supervision analysis module, a status monitoring module, a vehicle machine control terminal, a locking analysis module and an unlocking analysis module;

[0033] The supervision analysis module is used to set the vehicle supervision level of the target financial vehicle according to the repayment situation of the target financial vehicle and send it to the status monitoring module; the status monitoring module is used to perform real-time monitoring on the target financial vehicle according to the vehicle supervision level, obtain the primary supervision measures and secondary supervision measures of the target financial vehicle and send them to the vehicle machine control terminal, or obtain the locking confirmation request of the target financial vehicle and send it to the locking analysis module;

[0034] After receiving the lock confirmation request, the lock analysis module is used to analyze the locking situation of the target financial vehicle, and send the locking signal or delayed locking signal of the target financial vehicle to the vehicle control terminal; the unlocking analysis module is used to analyze the unlocking of the locked target financial vehicle; the vehicle control terminal is used to perform the locking and unlocking operations of the target financial vehicle.

[0035] Further, the supervision process of the supervision analysis module is as follows:

[0036] Obtain the vehicle identification information of the target financial vehicle through the target bank, and read the actual total repayment amount and expected total repayment amount of the target financial vehicle in the corresponding database of the dealer according to the vehicle identification information;

[0037] Compare the actual total repayment amount with the expected total repayment amount. If the actual total repayment amount is equal to the expected total repayment amount, record the vehicle supervision level of the target financial vehicle as level one;

[0038] If the actual total repayment amount is less than the expected total repayment amount, then obtain the expected total arrears amount of the target financial vehicle by subtracting the actual total repayment amount from the expected total repayment amount;

[0039] Compare the expected total arrears amount with the expected monthly repayment amount of the target financial vehicle; when the expected total arrears amount is less than or equal to the expected monthly repayment amount, record the vehicle supervision level of the target financial vehicle as level two; when the expected total arrears amount is greater than the expected monthly repayment amount; record the vehicle supervision level of the target financial vehicle as level three;

[0040] Among them, the supervision intensity corresponding to the vehicle supervision level of level three is higher than that corresponding to the target financial vehicle with the vehicle supervision level of level two; the supervision intensity corresponding to the vehicle supervision level of level two is higher than that corresponding to the target financial vehicle with the vehicle supervision level of level one.

[0041] Further, the working process of the status monitoring module is as follows

[0042] Obtain the vehicle supervision level of the target financial vehicle; if the vehicle supervision level is level one, no supervision operation is performed;

[0043] If the vehicle supervision level is level two, set the first-level supervision measures for the target financial vehicle;

[0044] Among them, the first-level supervision measures include: setting regular positioning reports for the target financial vehicle, opening all basic functions of the target financial vehicle, and the target financial vehicle starts and runs normally;

[0045] The status monitoring module will also perform the first-level anomaly identification on the target financial vehicle, and the identification process is as follows:

[0046] The vehicle-mounted control terminal real-time locates the position of the target financial vehicle. If the target financial vehicle leaves the permanent city where it is located, the date corresponding to the current moment is obtained, and it is determined whether the date corresponding to the current moment is a holiday according to the calendar. If the date corresponding to the current moment is a holiday, no operation is performed. If the date corresponding to the current moment is not a holiday, a lock confirmation request is generated.

[0047] If the vehicle supervision level is level three, secondary supervision measures for the target financial vehicle are set. The secondary supervision measures are as follows:

[0048] Set high-frequency regular positioning reports for the target financial vehicle; Restrict some functions of the target financial vehicle.

[0049] The status monitoring module will also perform secondary anomaly identification on the target financial vehicle. The specific identification process is as follows:

[0050] Obtain the permanent city of the target financial vehicle according to the database corresponding to the dealer, and then obtain the city map of the permanent city. Mark the sensitive areas in the city map according to the city map.

[0051] Set the warning areas corresponding to different sensitive areas with the center of the sensitive area as the center and the radiation distance as the radius.

[0052] The vehicle-mounted control terminal is used to obtain the position coordinates of the target financial vehicle in real time, and compare the distance between the target financial vehicle and the outer edge of the corresponding warning area with the distance threshold.

[0053] If the distance between the target financial vehicle and the outer edge of the corresponding warning area is greater than or equal to the distance threshold, no operation is performed. If the distance between the target financial vehicle and the warning area is less than the distance threshold and greater than zero, the number of abnormal trips of the target financial vehicle is incremented by one. If the distance between the target financial vehicle and the warning area is zero, a lock confirmation request is generated.

[0054] If the number of abnormal formations of the target financial vehicle within a week is less than X times, no operation is performed. If the number of abnormal formations of the target financial vehicle within a week is greater than or equal to X times, a lock confirmation request is generated; where X is a constant.

[0055] Furthermore, the analysis process of the lock analysis module is as follows:

[0056] Obtain the vehicle status information of the target financial vehicle to obtain the real-time driving speed and real-time position coordinates of the target financial vehicle.

[0057] If the real-time driving speed of the target financial vehicle is zero, a lock signal for the target financial vehicle is generated.

[0058] If the real-time driving speed of the target financial vehicle is not zero, the real-time location of the target financial vehicle is obtained, and the parking lot closest to the real-time location is found based on the map of the city where the target financial vehicle is located;

[0059] According to the real-time location of the target financial vehicle and the location of the parking lot, multiple driving paths are planned, and the longest driving path is recorded as the critical path, and the time spent on the critical path is recorded as the critical time;

[0060] Identify the congestion level of the critical path, and the congestion level in the present invention is divided by a traffic congestion index;

[0061] The traffic congestion index is a conceptual index value that comprehensively reflects the smoothness or congestion of the road network, which is equivalent to digitizing the congestion situation. The traffic congestion index ranges from 0 to 10 and is divided into five levels, of which 0 to 2, 2 to 4, 4 to 6, 6 to 8 and 8 to 10 correspond to level 1 to level 5 congestion respectively;

[0062] Add one to the value of the traffic congestion index, and then multiply it by the critical time to get the longest driving time for the target financial vehicle to reach the parking lot. The calculation formula for the longest driving time is:

[0063] Maximum driving time = critical time × (1 + traffic congestion index);

[0064] After the longest driving time, the real-time position coordinates of the target financial vehicle are obtained. If the real-time position coordinates of the target financial vehicle are outside the parking lot, a delayed locking signal is generated; if the real-time position coordinates of the target financial vehicle are within the parking lot, the next step is entered;

[0065] The real-time speed of the target financial vehicle is obtained; when the real-time speed of the target financial vehicle is not zero, a delayed locking signal is generated; when the real-time speed of the target financial vehicle is zero, a locking signal is generated.

[0066] Furthermore, the analysis process of the unlocking analysis module is as follows:

[0067] Obtain the repayment unlocking signal of the target financial vehicle, obtain the repayment record of the target financial vehicle through the target bank, and obtain the actual total repayment amount and the expected total repayment amount of the target financial vehicle by statistics;

[0068] If the actual total repayment amount is greater than or equal to the expected total repayment amount, all restrictions on the target financial vehicle will be lifted; if the actual total repayment amount is less than the expected total repayment amount, the request will be rejected.

[0069] A multimodal supervision method for vehicle financial risk control, based on the above-mentioned multimodal supervision system for vehicle financial risk control, the method comprises:

[0070] Step S101: The dealer sends a financing vehicle purchase request to the target bank and the financial vehicle factory. The target bank receives the financing vehicle purchase request and creates a file for the target financial vehicle.

[0071] Step S102: The target financial vehicle is approved based on the file. The target financial vehicle enters the designated garage or is rejected.

[0072] Step S103: The target financial vehicle is monitored. The warning signals of the target financial vehicle are monitored in real time to perform secondary locking or no operation.

[0073] Step S104: The target financial vehicle is sold and the payment is made to the target bank. The target bank unlocks and releases the target financial vehicle.

[0074] In summary, due to the adoption of the above technical solutions, the beneficial effects of the present invention are as follows:

[0075] 1. First, the present invention uses the data acquisition module to collect the vehicle identification information of the target financial vehicle and sends the vehicle identification information to the vehicle approval module and the target bank. Then, the vehicle approval module approves the warehousing operation of the target financial vehicle, obtains the garage locking request of the target financial vehicle and sends it to the financial vehicle factory. At the same time, the vehicle supervision module supervises the target financial vehicle in the supervised garage, sends the real-time position coordinates and warning signals of the target financial vehicle to the server, thus communicating between the financial vehicle factory and the dealer and receiving the warning signals of the target financial vehicle and performing secondary locking. Finally, the vehicle unlocking module unlocks the target financial vehicle according to the vehicle unlocking request. The present invention realizes the supervision of the target financial vehicle mortgaged by the financial vehicle factory under the target bank.

[0076] 2. The present invention uses the supervision analysis module to set the vehicle supervision level of the target financial vehicle according to the repayment situation of the target financial vehicle and sends it to the status monitoring module. Then, the status monitoring module monitors the target financial vehicle in real time. Finally, the locking analysis module analyzes the locking urgency of the target financial vehicle, obtains the locking signal or delayed locking signal of the target financial vehicle and sends it to the vehicle control terminal. At the same time, after receiving the unlocking request signal, the vehicle unlocking module performs unlocking analysis on the locked target financial vehicle. The present invention realizes the multi-modal supervision of the target financial vehicle. BRIEF DESCRIPTION OF THE DRAWINGS

[0077] For the convenience of those skilled in the art to understand, the present invention will be further described below with reference to the accompanying drawings.

[0078] Figure 1 It is a schematic diagram of the architecture of the first subsystem of the present invention;

[0079] Figure 2Schematic diagram of the architecture of the second subsystem in the present invention;

[0080] Figure 3 System structure block diagram of the first subsystem in the present invention;

[0081] Figure 4 System structure block diagram of the second subsystem in the present invention;

[0082] Figure 5 Flow chart of the method involved in the present invention. Detailed implementation manners

[0083] The technical solutions of the present invention will be clearly and completely described below in conjunction with the embodiments. Obviously, the described embodiments are only a part of the embodiments of the present invention, rather than all the embodiments. All other embodiments obtained by those of ordinary skill in the art based on the embodiments of the present invention without creative efforts shall fall within the protection scope of the present invention.

[0084] Embodiment 1, please refer to Figures 1 - 4 As shown, the technical solution provided by the present invention is: a multimodal supervision system for vehicle financial risk control, including a first subsystem and a second subsystem. The first subsystem is used to supervise the target financial vehicles mortgaged by the financial vehicle factory under the target bank. The first subsystem includes a data acquisition module, a server, a vehicle approval module, a vehicle supervision module, and a vehicle unlocking module;

[0085] The dealer sends a financing car purchase request to the target bank and the financial vehicle factory through the server. The target bank receives the financing car purchase request. The server establishes a file for the target financial vehicle based on the financing car purchase agreement, including information required for filing such as the order number, the number of vehicles, the vehicle storage location, and the bank acceptance bill number. The server sends the file of the target financial vehicle to the financial vehicle factory;

[0086] After receiving the financing car purchase request, the financial vehicle factory generates a vehicle dispatch signal and sends the vehicle dispatch signal and the original vehicle certificate of the target financial vehicle to the target bank.

[0087] The target bank receives the original vehicle certificate, supplements the original vehicle certificate to the file of the target financial vehicle, the target bank receives the vehicle dispatch signal and confirms it, and the financial vehicle factory sends the target financial vehicle to the supervision garage designated by the target bank and the financial vehicle factory.

[0088] Before the target financial vehicle arrives at the supervision garage, the data acquisition module is used to collect the vehicle identification information of the target financial vehicle and send the vehicle identification information to the vehicle approval module and the target bank;

[0089] Among them, the vehicle identification information is the identification vehicle frame number, identification license plate number, and identification engine number of the target financial vehicle; the vehicle identification information is directly read through the original vehicle certificate of the target financial vehicle.

[0090] After the target financial vehicle arrives at the supervision garage, the data acquisition module is also used to read the actual vehicle frame number, actual license plate number, and actual engine number of the target financial vehicle and send them to the vehicle approval module; specifically, the actual vehicle frame number, actual license plate number, and actual engine number are obtained by identifying the identifiers on the target financial vehicle.

[0091] In this embodiment, the vehicle approval module is used to approve the warehousing operation of the target financial vehicle according to the file of the target financial vehicle. The approval process is as follows:

[0092] Obtain the file of the target financial vehicle, read the number of vehicles of the target financial vehicle and the vehicle storage location of each financial vehicle;

[0093] Count the actual number of the target financial vehicle, and compare the actual number of the target financial vehicle with the number of vehicles in the file;

[0094] If the actual number of the target financial vehicle is different from the number of vehicles in the file, reject the warehousing operation of the target financial vehicle; if the actual number of the target financial vehicle is the same as the number of vehicles in the file, proceed to the next step;

[0095] Obtain the vehicle identification information of the target financial vehicle to obtain the identification vehicle frame number, identification license plate number, and identification engine number of the target financial vehicle;

[0096] Obtain the actual vehicle frame number, actual license plate number, and actual engine number of the target financial vehicle;

[0097] Compare the identification vehicle frame number of the target financial vehicle with the actual vehicle frame number, compare the identification license plate number of the target financial vehicle with the actual license plate number, and compare the identification engine number of the target financial vehicle with the actual engine number;

[0098] If any one of the comparison results is different, veto the warehousing operation of the target financial vehicle;

[0099] If the comparison results are all the same, approve the warehousing operation of the target financial vehicle, take a vehicle image of the target financial vehicle; input the target financial vehicle into the vehicle storage location corresponding to the target financial vehicle, and generate a garage locking request to perform first-level locking on the target financial vehicle in the supervision garage;

[0100] The vehicle approval module uploads the vehicle image of the target financial vehicle to the server and sends the garage locking request of the target financial vehicle to the financial vehicle factory.

[0101] Further, after receiving the garage locking request, the financial vehicle factory locks the target financial vehicle through electronic locking or physical locking, and the locked target financial vehicle enters the inventory supervision state;

[0102] Specifically, electronic locking means: the financial vehicle factory locks through the API interface or encrypted SMS; physical locking means: the vehicle factory technicians of the financial vehicle factory use special tools (such as OBD devices or handheld terminals) to send locking instructions to the vehicle ECU.

[0103] In this embodiment, the vehicle supervision module is used to supervise the target financial vehicles in the supervision garage, and the supervision process is as follows:

[0104] Obtain the position coordinates of the vehicle bay center corresponding to the target financial vehicle;

[0105] Set the electronic fence range corresponding to the target financial vehicle with the position coordinates of the vehicle bay center as the center and a preset radius BJ as the radius; where BJ is a constant, and optionally BJ = 100 meters;

[0106] Set the vehicle warning range corresponding to the target financial vehicle with the position coordinates of the vehicle bay center as the center and half of the preset radius as the radius;

[0107] Read the real-time position coordinates of the target financial vehicle through the in-vehicle control terminal installed on the target financial vehicle;

[0108] If the real-time position coordinates of the target financial vehicle are within the vehicle warning range, no operation is performed; if the real-time position coordinates of the target financial vehicle are outside the vehicle warning range and within the electronic fence range, a warning signal is generated; if the real-time position coordinates of the target financial vehicle are outside the electronic fence range, the target financial vehicle is secondarily locked;

[0109] It should be additionally noted that when the target financial vehicle enters the supervision garage, the target financial vehicle is primarily locked. The primary locking is: locking the engine of the target financial vehicle so that the target financial vehicle cannot provide power, but the wheels can rotate; the secondary locking of the target financial vehicle is: locking the wheels through the braking system so that the wheels of the target financial vehicle cannot rotate;

[0110] The vehicle supervision module sends the real-time position coordinates of the target financial vehicle and the warning signal to the server, and the server is used to receive the warning signal of the target financial vehicle and dispatch relevant personnel to the real-time position coordinates of the financial vehicle.

[0111] If there is a need to transfer the supervision garage, the dealer submits a vehicle unlocking request to the server, and the server forwards the vehicle unlocking request to the vehicle unlocking module;

[0112] The vehicle unlocking module is used to judge the vehicle unlocking request of the target financial vehicle, and the judgment process is as follows:

[0113] Read the repayment information of the dealer through the file of the financial vehicle to obtain the estimated repayment amount of the dealer's vehicle for the dealer;

[0114] Obtain the actual repayment amount of the dealer through the target bank; compare the estimated repayment amount of the dealer with the actual repayment amount of the dealer. If the actual repayment amount of the dealer is less than the estimated repayment amount of the dealer, the vehicle unlocking request shall be rejected;

[0115] If the actual repayment amount of the dealer is greater than or equal to the estimated repayment amount of the dealer, the subsequent steps shall be carried out;

[0116] Obtain the vehicle unlocking request of the target financial vehicle, and obtain that the unlocking purpose of the target financial vehicle is: test drive unlocking, vehicle relocation unlocking or sale unlocking;

[0117] If the unlocking purpose is test drive unlocking, read the test drive reservation of the target financial vehicle through the dealer. If the reading fails, the vehicle unlocking request shall be rejected; if the reading is successful, a test drive unlocking signal shall be generated to unlock the target financial vehicle for test drive; the target financial vehicle after test drive unlocking can only be used normally for a fixed test drive duration and can only drive normally within the test drive area;

[0118] It should be noted that the test drive reservation is a reservation applied by the user to the dealer in advance, and the test drive duration and test drive area are preset;

[0119] If the unlocking purpose is vehicle relocation unlocking, a vehicle relocation unlocking signal shall be generated to unlock the target financial vehicle for vehicle relocation. The target financial vehicle after vehicle relocation unlocking can only be used normally in the supervised garage;

[0120] If the unlocking purpose is sale unlocking, a permanent unlocking signal shall be generated to permanently unlock the target financial vehicle, and the target financial vehicle after permanent unlocking is unrestricted.

[0121] As a further solution of this embodiment, when a user purchases a target financial vehicle, due to different economic conditions, not all users can achieve full payment. Therefore, the present invention also provides a second subsystem for the supervision after the sale of the target financial vehicle;

[0122] Specifically, the second subsystem is used to supervise the target financial vehicle after the user purchases the vehicle, protect the creditor's rights before the user completes the repayment, and ensure that the legitimate rights and interests of the dealer are not infringed; the second subsystem includes a supervision analysis module, a status monitoring module, a vehicle machine control terminal, a locking analysis module and an unlocking analysis module;

[0123] In this embodiment, the in-vehicle control terminal is used to execute locking and unlocking, real-time positioning, and supervision measures during the use of the target financial vehicle;

[0124] Actually, the in-vehicle control terminal is an intelligent control terminal installed on the target financial vehicle, which is the core hardware and software platform integrating function control, and is responsible for functions such as in-vehicle entertainment, navigation, vehicle status monitoring, communication, and driving assistance.

[0125] In this embodiment, the supervision analysis module is used to set the vehicle supervision level of the target financial vehicle according to the repayment situation of the target financial vehicle. The specific setting process is as follows:

[0126] Obtain the vehicle identification information of the target financial vehicle through the target bank, and read the actual total repayment amount and the expected total repayment amount of the target financial vehicle in the corresponding database of the dealer according to the vehicle identification information;

[0127] Compare the actual total repayment amount with the expected total repayment amount. If the actual total repayment amount is equal to the expected total repayment amount, record the vehicle supervision level of the target financial vehicle as level one;

[0128] If the actual total repayment amount is less than the expected total repayment amount, then obtain the expected total outstanding amount of the target financial vehicle by subtracting the actual total repayment amount from the expected total repayment amount;

[0129] Compare the expected total outstanding amount with the expected monthly repayment amount of the target financial vehicle; when the expected total outstanding amount is less than or equal to the expected monthly repayment amount, record the vehicle supervision level of the target financial vehicle as level two; when the expected total outstanding amount is greater than the expected monthly repayment amount; record the vehicle supervision level of the target financial vehicle as level three;

[0130] It should be noted that the expected monthly repayment amount is the amount that the user of the target financial vehicle needs to pay to the dealer every month. For the users corresponding to the vehicle supervision level of level one, there is no outstanding amount phenomenon; for the users corresponding to the vehicle supervision level of level two, there is an outstanding amount phenomenon within one month; for the users corresponding to the vehicle supervision level of level three, they have not repaid in time for more than one month overdue;

[0131] Among them, the supervision intensity corresponding to the vehicle supervision level of level three for the target financial vehicle is higher than that corresponding to the vehicle supervision level of level two for the target financial vehicle; the supervision intensity corresponding to the vehicle supervision level of level two for the target financial vehicle is higher than that corresponding to the vehicle supervision level of level one for the target financial vehicle;

[0132] The supervision analysis module sends the vehicle supervision level of the target financial vehicle to the status monitoring module.

[0133] In this embodiment, the status monitoring module is used to perform real-time monitoring on the target financial vehicle according to the vehicle supervision level of the target financial vehicle. The specific monitoring process is as follows:

[0134] Obtain the vehicle supervision level of the target financial vehicle; if the vehicle supervision level is level one, no supervision operation is performed;

[0135] If the vehicle supervision level is level two, set the first-level supervision measures for the target financial vehicle;

[0136] Among them, the first-level supervision measures include: setting regular positioning and reporting of the target financial vehicle: for example, obtaining the vehicle position of the target financial vehicle every 6 hours and uploading it; opening all basic functions of the target financial vehicle, and the target financial vehicle can be started and driven normally;

[0137] The status monitoring module will also perform first-level anomaly identification on the target financial vehicle. The specific identification process is as follows:

[0138] The vehicle-mounted control terminal real-time locates the position of the target financial vehicle. If the target financial vehicle leaves the resident city of the target financial vehicle, obtain the date corresponding to the current moment, and determine whether the date corresponding to the current moment is a holiday according to the calendar; if the date corresponding to the current moment is a holiday, no operation is performed; if the date corresponding to the current moment is not a holiday, generate a lock confirmation request;

[0139] Among them, the resident city is obtained by reading the database of the dealer;

[0140] If the vehicle supervision level is level three, set the second-level supervision measures for the target financial vehicle;

[0141] Among them, the second-level supervision measures are specifically: setting high-frequency regular positioning and reporting of the target financial vehicle: for example, uploading the vehicle position of the target financial vehicle every 30 minutes; restricting some functions of the target financial vehicle: for example, restricting the maximum speed to 80 km / h;

[0142] The status monitoring module will also perform second-level anomaly identification on the target financial vehicle. The specific identification process is as follows:

[0143] Obtain the resident city of the target financial vehicle according to the database corresponding to the dealer, and then obtain the city map of the resident city. Mark the sensitive areas in the city map according to the city map; among them, the sensitive areas include used car trading markets, city exit intersections, vehicle dismantling plants, and scrap yards; among them, the city map is read through the Internet;

[0144] Taking the center of the sensitive area as the center of the circle and the radiation distance as the radius, set the warning areas corresponding to different sensitive areas; specifically, when setting the warning areas for used car trading markets, vehicle disassembly yards, and scrapping yards, the radiation distance is preferably 300 meters; when setting the warning area for the exit of the city, the radiation distance is preferably one kilometer.

[0145] The vehicle-mounted control terminal obtains the position coordinates of the target financial vehicle in real time, and compares the distance between the target financial vehicle and the outer edge corresponding to the warning area with the distance threshold; it should be noted that if the target financial vehicle is located inside the warning area, the distance between the target financial vehicle and the outer edge corresponding to the warning area is recorded as zero.

[0146] If the distance between the target financial vehicle and the outer edge corresponding to the warning area is greater than or equal to the distance threshold, no operation is performed; if the distance between the target financial vehicle and the warning area is less than the distance threshold and greater than zero, the number of abnormal trips of the target financial vehicle is incremented by one; if the distance between the target financial vehicle and the warning area is zero, a lock confirmation request is generated.

[0147] If the number of abnormal formations of the target financial vehicle within a week is less than X times, no operation is performed; if the number of abnormal formations of the target financial vehicle within a week is greater than or equal to X times, a lock confirmation request is generated; where X is a constant set by the dealer based on experience, preferably 3.

[0148] The status monitoring module sends the primary supervision measures and secondary supervision measures of the target financial vehicle to the vehicle-mounted control terminal, and sends the lock confirmation request of the target financial vehicle to the lock analysis module.

[0149] The vehicle-mounted control terminal is used to receive and implement the primary supervision measures and secondary supervision measures of the target financial vehicle.

[0150] After receiving the lock confirmation request, the lock analysis module is used to analyze the locking situation of the target financial vehicle. The specific analysis process is as follows:

[0151] Obtain the vehicle status information of the target financial vehicle to obtain the real-time driving speed and real-time position coordinates of the target financial vehicle.

[0152] If the real-time driving speed of the target financial vehicle is zero, a lock signal for the target financial vehicle is generated.

[0153] If the real-time driving speed of the target financial vehicle is not zero, obtain the real-time position of the target financial vehicle, and query the parking lot closest to the real-time position according to the map of the city where the target financial vehicle is located.

[0154] Based on the real-time position of the target financial vehicle and the location of the parking lot, multiple driving routes are planned. The driving route with the longest time consumption is recorded as the critical route, and the time consumption on the critical route is recorded as the critical time;

[0155] Identify the congestion level of the critical route. In the present invention, the congestion level is divided using the traffic congestion index;

[0156] Among them, the traffic congestion index is a conceptual index value that comprehensively reflects the smoothness or congestion of the road network. It is equivalent to digitizing the congestion situation. The value range of the traffic congestion index is 0-10, which is divided into five levels. Among them, 0-2, 2-4, 4-6, 6-8, and 8-10 respectively correspond to level 1 congestion to level 5 congestion;

[0157] Add 1 to the value of the traffic congestion index, and then multiply it by the critical time to obtain the longest driving time for the target financial vehicle to reach the parking lot. The calculation formula for the longest driving time is:

[0158] Longest driving time = critical time × (1 + traffic congestion index);

[0159] After experiencing the longest driving time, obtain the real-time position coordinates of the target financial vehicle. If the real-time position coordinates of the target financial vehicle are outside the parking lot, generate a delay lock signal; if the real-time position coordinates of the target financial vehicle are inside the parking lot, proceed to the next step;

[0160] Obtain the real-time speed of the target financial vehicle; when the real-time speed of the target financial vehicle is not zero, generate a delay lock signal; when the real-time speed of the target financial vehicle is zero, generate a lock signal;

[0161] The lock analysis module sends the lock signal or delay lock signal of the target financial vehicle to the vehicle-mounted control terminal.

[0162] In this embodiment, after receiving the lock signal or delay lock signal, the vehicle-mounted control terminal is further configured to perform a locking operation on the target financial vehicle, specifically as follows:

[0163] Obtain the lock signal or delay lock signal of the target financial vehicle;

[0164] If the vehicle-mounted control terminal receives the lock signal of the target financial vehicle, turn off the ignition system of the target financial vehicle and set the ECU to reject the non-start signal mode;

[0165] If the vehicle-mounted control terminal receives the delay lock signal of the target financial vehicle, identify the current real-time position of the target financial vehicle and compare it with the road map;

[0166] When the target financial vehicle has reached the parking lot, immediately lock the target financial vehicle;

[0167] When the target financial vehicle has not yet reached the parking lot, a warning signal is generated.

[0168] In this embodiment, for the user of the target financial vehicle that has been locked, the user submits a repayment unlocking signal to the target bank, and then unlocks the locked target financial vehicle. When generating a warning signal, the corresponding user can actually be called by the dealer or the target bank.

[0169] Further, the unlocking analysis module is used to perform unlocking analysis on the locked target financial vehicle after receiving the repayment unlocking signal. The specific unlocking analysis process is as follows:

[0170] Obtain the repayment unlocking signal of the target financial vehicle, obtain the repayment record of the target financial vehicle through the target bank, and statistically obtain the actual total repayment amount and the expected total repayment amount of the target financial vehicle;

[0171] If the actual total repayment amount is greater than or equal to the expected total repayment amount, all restrictions on the target financial vehicle are lifted; if the actual total repayment amount is less than the expected total repayment amount, the request is rejected;

[0172] The in-vehicle control terminal is used to perform specific locking and unlocking operations on the target financial vehicle.

[0173] In this application, if there are corresponding calculation formulas, the above calculation formulas are all dimensionless and take their numerical values for calculation. The coefficient such as the weight coefficient and the proportionality coefficient in the formula is set to obtain a result value by quantifying each parameter. Regarding the magnitudes of the weight coefficient and the proportionality coefficient, as long as the proportional relationship between the parameters and the result value is not affected.

[0174] Embodiment 2, as Figure 5 shown, based on another concept of the same invention, a multi-modal supervision method for vehicle financial risk control is proposed, including the following steps:

[0175] Step S101, the dealer sends a financing car purchase request to the target bank and the financial vehicle factory, and the target bank receives the financing car purchase request and establishes a file for the target financial vehicle;

[0176] Step S102, approve the target financial vehicle according to the file, and the target financial vehicle enters the designated garage or is rejected;

[0177] Step S103, supervise the target financial vehicle, and perform secondary locking or no operation by real-time monitoring the warning signal of the target financial vehicle;

[0178] Step S104, sell the target financial vehicle and repay the target bank, and the target bank unlocks and releases the target financial vehicle.

[0179] The preferred embodiments of the present invention disclosed above are only used to help illustrate the present invention. The preferred embodiments do not describe all the details in detail, nor do they limit the invention to the specific embodiments only. Obviously, according to the content of this specification, many modifications and variations can be made. These embodiments are selected and specifically described in this specification in order to better explain the principles and practical applications of the present invention, so that those skilled in the art can understand and utilize the present invention well. The present invention is only limited by the claims and their full scope and equivalents.

Claims

1. A multimodal supervision system for vehicle financial risk control, characterized in that, It includes a first subsystem, which includes a data collection module, a server, a vehicle approval module, a vehicle supervision module, and a vehicle unlocking module; The data collection module is used to collect the vehicle identification information of the target financial vehicle and send the vehicle identification information to the vehicle approval module and the target bank; the vehicle approval module is used to approve the warehousing operation of the target financial vehicle according to the file of the target financial vehicle, and send the garage locking request of the target financial vehicle to the financial vehicle factory; the vehicle supervision module is used to supervise the target financial vehicle in the supervision garage and send the real-time position coordinates and warning signals of the target financial vehicle to the server; the vehicle unlocking module is used to judge the unlocking conditions of the target financial vehicle and unlock or reject the target financial vehicle; the server is used to create the file of the target financial vehicle, realize the information interaction between the financial vehicle factory and the dealer, and receive the warning signals of the target financial vehicle.

2. The multimodal supervision system for vehicle financial risk control according to claim 1, characterized in that The approval process of the vehicle approval module is specifically as follows: Obtain the file of the target financial vehicle, and read the number of vehicles of the target financial vehicle and the vehicle storage location of each financial vehicle; Count the actual number of target financial vehicles, and compare the actual number of target financial vehicles with the number of vehicles in the file; If the actual number of target financial vehicles is different from the number of vehicles in the file, reject the warehousing operation of the target financial vehicle; If the actual number of target financial vehicles is the same as the number of vehicles in the file, proceed to the subsequent steps; Obtain the vehicle identification information of the target financial vehicle to obtain the identification vehicle frame number, identification license plate number, and identification engine number of the target financial vehicle.

3. The multimodal supervision system for vehicle financial risk control according to claim 2, characterized in that, The approval process of the vehicle approval module further includes: Obtain the actual vehicle frame number, actual license plate number, and actual engine number of the target financial vehicle; Compare the identification vehicle frame number of the target financial vehicle with the actual vehicle frame number, compare the identification license plate number of the target financial vehicle with the actual license plate number, and compare the identification engine number of the target financial vehicle with the actual engine number; If any of the comparison results is different, veto the warehousing operation of the target financial vehicle; If the comparison results are all the same, approve the warehousing operation of the target financial vehicle, take a vehicle image of the target financial vehicle; input the target financial vehicle into the vehicle storage location corresponding to the target financial vehicle, generate a garage locking request, and perform a first-level lock on the target financial vehicle in the supervision garage.

4. A multimodal supervision system for vehicle financial risk control according to claim 1, characterized in that, The supervision process of the vehicle supervision module includes: Obtain the position coordinates of the center of the vehicle storage location corresponding to the target financial vehicle; Set the electronic fence range corresponding to the target financial vehicle with the position coordinates of the center of the vehicle storage location as the center and a preset radius as the radius; Set the vehicle warning range corresponding to the target financial vehicle with the position coordinates of the center of the vehicle storage location as the center and half of the preset radius as the radius; Read the real-time position coordinates of the target financial vehicle through the in-vehicle control terminal installed on the target financial vehicle; If the real-time position coordinates of the target financial vehicle are within the vehicle warning range, no operation is performed; if the real-time position coordinates of the target financial vehicle are outside the vehicle warning range and within the electronic fence range, a warning signal is generated; if the real-time position coordinates of the target financial vehicle are outside the electronic fence range, the target financial vehicle is locked at the second level.

5. The multimodal supervision system for vehicle financial risk control according to claim 1, characterized in that The working process of the vehicle unlocking module is as follows: Read the repayment information of the dealer through the file of the financial vehicle to obtain the estimated repayment amount of the dealer's vehicle by the dealer; Obtain the actual repayment amount of the dealer through the target bank; compare the estimated repayment amount of the dealer with the actual repayment amount of the dealer. If the actual repayment amount of the dealer is less than the estimated repayment amount of the dealer, the vehicle unlocking request is rejected; If the actual repayment amount of the dealer is greater than or equal to the estimated repayment amount of the dealer, the subsequent steps are carried out.

6. The multimodal supervision system for vehicle financial risk control according to claim 5, characterized in that, The working process of the vehicle unlocking module further includes: Obtain the vehicle unlocking request of the target financial vehicle to obtain the unlocking purpose of the target financial vehicle as: test drive unlocking, vehicle moving unlocking or sale unlocking; If the unlocking purpose is test drive unlocking, read the test drive reservation of the target financial vehicle through the dealer. If the reading fails, the vehicle unlocking request is rejected; if the reading is successful, a test drive unlocking signal is generated to unlock the target financial vehicle for test drive; if the unlocking purpose is vehicle moving unlocking, a vehicle moving unlocking signal is generated to unlock the target financial vehicle for vehicle moving; if the unlocking purpose is sale unlocking, a permanent unlocking signal is generated to permanently unlock the target financial vehicle.

7. The multimodal supervision system for vehicle financial risk control according to claim 1, characterized in that, The multimodal supervision system further includes a second subsystem, which is used for the supervision of the target financial vehicle after the user purchases the vehicle. The second subsystem includes a supervision analysis module, a status monitoring module, a vehicle machine control terminal, a locking analysis module and an unlocking analysis module; The supervision analysis module is used to set the vehicle supervision level of the target financial vehicle according to the repayment situation of the target financial vehicle and send it to the status monitoring module; the status monitoring module is used to perform real-time monitoring on the target financial vehicle according to the vehicle supervision level, obtain the first-level supervision measures and second-level supervision measures of the target financial vehicle and send them to the vehicle machine control terminal, or obtain the locking confirmation request of the target financial vehicle and send it to the locking analysis module; After receiving the locking confirmation request, the locking analysis module is used to analyze the locking situation of the target financial vehicle to obtain the locking signal or delayed locking signal of the target financial vehicle and send it to the vehicle machine control terminal; The unlocking analysis module is used to perform unlocking analysis on the target financial vehicle that has been locked; the vehicle machine control terminal is used to execute the operation locking and unlocking operations of the target financial vehicle.

8. The multimodal supervision system for vehicle financial risk control according to claim 7, wherein, The supervision process of the supervision analysis module is as follows: Obtain the vehicle identification information of the target financial vehicle through the target bank, and read the actual total repayment amount and expected total repayment amount of the target financial vehicle in the corresponding database of the dealer according to the vehicle identification information; Compare the actual total repayment amount with the expected total repayment amount. If the actual total repayment amount is equal to the expected total repayment amount, record the vehicle supervision level of the target financial vehicle as the first level; If the total actual repayment amount is less than the total expected repayment amount, the total expected arrears amount of the target financial vehicle will be obtained by subtracting the total actual repayment amount from the total expected repayment amount; The total expected arrears amount is compared with the expected monthly repayment amount of the target financial vehicle; when the total expected arrears amount is less than or equal to the expected monthly repayment amount, the vehicle supervision level of the target financial vehicle will be recorded as level two; when the total expected arrears amount is greater than the expected monthly repayment amount; the vehicle supervision level of the target financial vehicle will be recorded as level three; Among them, the supervision intensity corresponding to the vehicle supervision level of level three for the target financial vehicle is higher than that corresponding to the vehicle supervision level of level two for the target financial vehicle; the supervision intensity corresponding to the vehicle supervision level of level two for the target financial vehicle is higher than that corresponding to the vehicle supervision level of level one for the target financial vehicle.

9. A multimodal supervision system for vehicle financial risk control according to claim 7, characterized in that, The working process of the state monitoring module is specifically as follows Obtain the vehicle supervision level of the target financial vehicle; if the vehicle supervision level is level one, no supervision operation will be performed; If the vehicle supervision level is level two, set the primary supervision measures for the target financial vehicle; Among them, the primary supervision measures include: setting regular positioning reports for the target financial vehicle, opening all basic functions of the target financial vehicle, and the target financial vehicle starts and runs normally; The state monitoring module will also perform primary anomaly identification on the target financial vehicle, and the identification process is specifically as follows: The vehicle-mounted control terminal real-time locates the position of the target financial vehicle. If the target financial vehicle leaves the permanent city of the target financial vehicle, obtain the date corresponding to the current moment, and determine whether the date corresponding to the current moment is a holiday according to the calendar; if the date corresponding to the current moment is a holiday, no operation will be performed; if the date corresponding to the current moment is not a holiday, generate a lock confirmation request; If the vehicle supervision level is level three, set the secondary supervision measures for the target financial vehicle, and the secondary supervision measures are: Set high-frequency regular positioning reports for the target financial vehicle; restrict some functions of the target financial vehicle; The state monitoring module will also perform secondary anomaly identification on the target financial vehicle, and the identification process is specifically as follows: Obtain the permanent city of the target financial vehicle according to the database corresponding to the dealer, and then obtain the city map of the permanent city. Mark the sensitive areas in the city map according to the city map; Set the warning areas corresponding to different sensitive areas with the center of the sensitive area as the center and the radiation distance as the radius; Real-time obtain the position coordinates of the target financial vehicle through the vehicle-mounted control terminal, and compare the distance between the target financial vehicle and the outer edge corresponding to the warning area with the distance threshold; If the distance between the target financial vehicle and the outer edge corresponding to the warning area is greater than or equal to the distance threshold, no operation will be performed; if the distance between the target financial vehicle and the warning area is less than the distance threshold and greater than zero, the number of abnormal trips of the target financial vehicle will be incremented by one; if the distance between the target financial vehicle and the warning area is zero, generate a lock confirmation request; If the number of abnormal formations of the target financial vehicle within a week is less than X times, no operation will be performed. If the number of abnormal formations of the target financial vehicle within a week is greater than or equal to X times, generate a lock confirmation request; where X is a constant.

10. The multimodal supervision system for vehicle financial risk control according to claim 7, characterized in that, The analysis process of the locking analysis module is as follows: Obtain vehicle status information of the target financial vehicle, and obtain the real-time driving speed and real-time position coordinates of the target financial vehicle; If the real-time driving speed of the target financial vehicle is zero, a locking signal of the target financial vehicle is generated; If the real-time driving speed of the target financial vehicle is not zero, the real-time location of the target financial vehicle is obtained, and the parking lot closest to the real-time location is found based on the map of the city where the target financial vehicle is located; According to the real-time location of the target financial vehicle and the location of the parking lot, multiple driving paths are planned, and the longest driving path is recorded as the critical path, and the time spent on the critical path is recorded as the critical time; Identify the congestion level of the critical path, and the congestion level in the present invention is divided by a traffic congestion index; The traffic congestion index is a conceptual index value that comprehensively reflects the smoothness or congestion of the road network, which is equivalent to digitizing the congestion situation. The traffic congestion index ranges from 0 to 10 and is divided into five levels, of which 0 to 2, 2 to 4, 4 to 6, 6 to 8 and 8 to 10 correspond to level 1 to level 5 congestion respectively; Add one to the value of the traffic congestion index, and then multiply it by the critical time to get the longest driving time for the target financial vehicle to reach the parking lot. The calculation formula for the longest driving time is: Maximum driving time = critical time × (1 + traffic congestion index); After the longest driving time, the real-time position coordinates of the target financial vehicle are obtained. If the real-time position coordinates of the target financial vehicle are outside the parking lot, a delayed locking signal is generated; if the real-time position coordinates of the target financial vehicle are within the parking lot, the next step is entered; The real-time speed of the target financial vehicle is obtained; when the real-time speed of the target financial vehicle is not zero, a delayed locking signal is generated; when the real-time speed of the target financial vehicle is zero, a locking signal is generated.

11. A multimodal supervision system for vehicle financial risk control according to claim 7, characterized in that, The analysis process of the unlocking analysis module is as follows: Obtain the repayment unlocking signal of the target financial vehicle, obtain the repayment record of the target financial vehicle through the target bank, and obtain the actual total repayment amount and the expected total repayment amount of the target financial vehicle by statistics; If the actual total repayment amount is greater than or equal to the expected total repayment amount, all restrictions on the target financial vehicle will be lifted; if the actual total repayment amount is less than the expected total repayment amount, the request will be rejected.

12. A multimodal supervision method for vehicle financial risk control, characterized in that, A multimodal supervision system for vehicle financial risk control based on any one of claims 1 to 11, the method comprising: Step S101: The dealer sends a financing vehicle purchase request to the target bank and the financial vehicle manufacturer. The target bank receives the financing vehicle purchase request and creates a file for the target financial vehicle. Step S102, the target financial vehicle is approved according to the file, and the target financial vehicle enters the designated garage or is rejected; Step S103, monitoring the target financial vehicle, monitoring the warning signal of the target financial vehicle in real time, and performing a secondary lock or not performing any operation; Step S104: sell the target financial vehicle and repay the target bank, and the target bank unlocks and releases the target financial vehicle.

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