Early warning method, device and equipment for mortgage application of motor vehicle and storage medium

Abstract

The invention belongs to the technical field of artificial intelligence, and discloses a motor vehicle mortgage application early warning method, device and equipment and a storage medium, and the method comprises the steps: receiving a motor vehicle mortgage verification request initiated by a user, and obtaining the verification information of a to-be-verified motor vehicle according to the motor vehicle mortgage verification request; performing online mortgage application on the verification information of the to-be-verified motor vehicle through a mortgage application interface provided by a third-party platform to obtain feedback data of the verification information; judging the mortgage state of the to-be-verified motor vehicle according to the internal information of the to-be-verified motor vehicle and the feedback data; and according to the mortgage state of the to-be-verified motor vehicle and a preset grading early warning rule, giving an early warning grade to the to-be-verified motor vehicle. The method and the device can be applied to use scenes of application programs such as vehicle mortgage and the like, and accuracy and efficiency of early warning of the motor vehicle mortgage process are improved.

Description

Technical Field

[0001] The present application relates to the field of artificial intelligence, and in particular to an early warning method, device, equipment and storage medium for motor vehicle mortgage applications. Background Art

[0002] In the financial sector, particularly in auto leasing and auto mortgage lending, finance companies often require borrowers / lessees to pledge their vehicles for security before disbursing loans. Traditionally, this process involves the borrower / lessee personally registering their vehicle at a traffic management office and then uploading the vehicle registration certificate to the finance company.

[0003] However, this traditional method is not only time-consuming and labor-intensive, but also carries significant fraud risks. For example, criminals might forge vehicle registration certificates or exploit the time difference between uploading a mortgage registration certificate and disbursement of loans to apply for loans for the same vehicle at multiple financial institutions, leading to frequent duplicate financing. Furthermore, financial companies currently rely on manual verification of paper registration certificates or offline verification by relevant authorities to check vehicle mortgage status. These methods are not only inefficient but also difficult to effectively identify new fraud schemes.

[0004] In summary, the existing early warning methods for motor vehicle mortgage applications have low efficiency and accuracy. Summary of the Invention

[0005] The purpose of the embodiments of the present application is to propose an early warning method, device, equipment and storage medium for motor vehicle mortgage applications, the main purpose of which is to improve the accuracy and efficiency of early warning of the motor vehicle mortgage process.

[0006] In order to solve the above technical problems, the present invention provides an early warning method for motor vehicle mortgage applications, which adopts the following technical solutions:

[0007] Receiving a motor vehicle mortgage verification request initiated by a user, and obtaining verification information of the motor vehicle to be verified according to the motor vehicle mortgage verification request;

[0008] Applying an online mortgage application for the verification information of the motor vehicle to be verified through a mortgage application interface provided by a third-party platform to obtain feedback data of the verification information;

[0009] Determining the mortgage status of the motor vehicle to be verified based on the internal information of the motor vehicle to be verified and the feedback data;

[0010] The motor vehicle to be verified is assigned a warning level according to the mortgage status of the motor vehicle to be verified and pre-set graded warning rules.

[0011] In a second aspect, to solve the above technical problems, an early warning device for motor vehicle mortgage applications provided by an embodiment of the present application adopts the following technical solutions:

[0012] An information acquisition module, configured to receive a motor vehicle mortgage verification request initiated by a user, and acquire verification information of a motor vehicle to be verified according to the motor vehicle mortgage verification request;

[0013] An online application module, configured to perform an online mortgage application for the verification information of the motor vehicle to be verified through a mortgage application interface provided by a third-party platform, and obtain feedback data of the verification information;

[0014] A status judgment module, configured to judge the mortgage status of the motor vehicle to be verified according to the internal information of the motor vehicle to be verified and the feedback data;

[0015] An early warning distribution module, configured to assign an early warning level to the motor vehicle to be verified according to the mortgage status of the motor vehicle to be verified and a preset hierarchical early warning rule.

[0016] In a third aspect, to solve the above technical problems, an embodiment of the present application further provides a computer device, including: at least one processor; and a memory communicatively connected to the at least one processor; wherein, the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to execute the early warning method for motor vehicle mortgage applications as described above.

[0017] In a fourth aspect, to solve the above technical problems, an embodiment of the present application further provides a computer-readable storage medium storing a computer program, and when the computer program is executed by a processor, the early warning method for motor vehicle mortgage applications as described above is implemented.

[0018] Compared with the prior art, the embodiments of the present application mainly have the following beneficial effects:

[0019] By collecting the necessary verification information of the motor vehicle to be verified through a standardized process, the efficiency and accuracy of the verification process can be improved, preventing the low efficiency caused by incomplete verification information and the low accuracy caused by incorrect verification information, thereby improving the efficiency and accuracy of early warning for the motor vehicle mortgage process.

[0020] By constructing a mortgage application request based on the verification information of the motor vehicle to be verified and sending it to a third-party platform to obtain feedback data corresponding to the verification information fed back by the third-party platform, the traditional paper application and manual review processes are avoided, greatly improving the efficiency of the mortgage application process, and thereby improving the efficiency and accuracy of early warning for the motor vehicle mortgage process.

[0021] By combining the internal information of the motor vehicle to be verified and the feedback data, the true mortgage status of the motor vehicle to be verified can be accurately identified, preventing lawbreakers from conducting mortgage fraud by forging vehicle registration certificates or taking advantage of the time difference between uploading the mortgage registration certificate and disbursing the loan, improving the accuracy rate of warning for the motor vehicle mortgage process; and through the automatic judgment of the mortgage status verification rules, the efficiency of warning for the motor vehicle mortgage process is improved.

[0022] By assigning a warning level to the motor vehicle to be verified through pre-set hierarchical warning rules, fraudulent acts in motor vehicle mortgage can be identified in a timely manner, improving the accuracy rate and efficiency of warning for the motor vehicle mortgage process. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] In order to more clearly illustrate the solutions in the present application, the following will briefly introduce the drawings required for the description of the embodiments of the present application. Obviously, the drawings described below are some embodiments of the present application. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative efforts.

[0024] Figure 1 is an exemplary system architecture diagram to which the present application can be applied;

[0025] Figure 2 Flowchart of an embodiment of the warning method for motor vehicle mortgage applications according to the present application;

[0026] Figure 3 is a schematic structural diagram of an embodiment of the warning device for motor vehicle mortgage applications according to the present application;

[0027] Figure 4 is a schematic structural diagram of an embodiment of the device according to the present application. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0028] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as commonly understood by those of ordinary skill in the technical field to which this application belongs; the terms used in the description of the embodiments of this application herein are only for the purpose of describing specific embodiments and are not intended to limit this application; the terms "including" and "having" and any variations thereof in the description and claims of this application and the above drawings are intended to cover non-exclusive inclusion. The terms "first", "second", etc. in the description and claims of this application or the above drawings are used to distinguish different objects and are not used to describe a specific order.

[0029] Reference to "embodiments" herein means that a particular feature, structure, or characteristic described in conjunction with the embodiments may be included in at least one embodiment of the present application. The appearance of the phrase in various locations in the specification does not necessarily refer to the same embodiment, nor is it an independent or alternative embodiment that is mutually exclusive with other embodiments. It is explicitly and implicitly understood by those skilled in the art that the embodiments described herein may be combined with other embodiments.

[0030] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the accompanying drawings.

[0031] like Figure 1 As shown, system architecture 100 may include a terminal device 101, a network 102, and a server 103. Terminal device 101 may be a laptop computer 1011, a tablet computer 1012, or a mobile phone 1013. Network 102 is a medium for providing a communication link between terminal device 101 and server 103. Network 102 may include various connection types, such as wired or wireless communication links or fiber optic cables.

[0032] The user can use the terminal device 101 to interact with the server 103 via the network 102 to receive or send messages, etc. Various communication client applications can be installed on the terminal device 101, such as web browser applications, shopping applications, search applications, instant messaging tools, email clients, social platform software, etc.

[0033] The terminal device 101 can be various electronic devices with a display screen and supporting web browsing. In addition to the laptop computer 1011, tablet computer 1012 or mobile phone 1013, the terminal device 101 can also be an e-book reader, an MP3 player (Moving Picture Experts Group Audio Layer III), an MP4 (Moving Picture Experts Group Audio Layer IV) player, a laptop computer and a desktop computer, etc.

[0034] The server 103 may be a server that provides various services, such as a background server that provides support for web pages displayed on the terminal device 101 .

[0035] It should be noted that the early warning method for motor vehicle mortgage applications provided in the embodiment of the present application is generally executed by a server / terminal device, and accordingly, the early warning device for motor vehicle mortgage applications is generally set in the server / terminal device.

[0036] It should be understood thatFigure 1 The numbers of the terminal devices, networks, and servers in [description] are merely illustrative. According to the implementation requirements, there can be any number of terminal devices, networks, and servers.

[0037] Continue to refer to Figure 2 , which shows a flowchart of an embodiment of the early warning method for motor vehicle mortgage applications according to the present application. According to different requirements, the order of steps in this flowchart can be changed, and some steps can be omitted. The early warning method for motor vehicle mortgage applications provided by the embodiments of the present application can be applied to any scenario that requires early warning of motor vehicle mortgage applications, and then the early warning method for motor vehicle mortgage applications can be applied to products in these scenarios. The early warning method for motor vehicle mortgage applications includes the following steps:

[0038] Step S201: Receive a motor vehicle mortgage verification request initiated by a user, and obtain verification information of the motor vehicle to be verified according to the motor vehicle mortgage verification request.

[0039] In this embodiment, the electronic device (such as Figure 1 the server / terminal device shown) on which the early warning method for motor vehicle mortgage applications runs can obtain the verification information of the motor vehicle to be verified through a wired connection method or a wireless connection method. It should be noted that the above wireless connection methods can include but are not limited to 3G / 4G / 5G connections, WiFi connections, Bluetooth connections, WiMAX connections, Zigbee connections, UWB (ultra wideband) connections, and other currently known or future-developed wireless connection methods.

[0040] In this embodiment, the above motor vehicle mortgage verification request refers to a request submitted by a user who wants to obtain financing by mortgaging a motor vehicle; receive a motor vehicle mortgage verification request initiated by the user through a user interaction page (such as a web page, APP, small program, etc.) or offline. After receiving the motor vehicle mortgage verification request initiated by the user, obtain the user's basic information (such as name, front and back of the ID card, contact information, etc.) and motor vehicle information (such as license plate number, vehicle identification number VIN, engine number, etc.) according to the motor vehicle mortgage verification request, and integrate the user's basic information and motor vehicle information to obtain the verification information of the motor vehicle to be verified.

[0041] In one embodiment, obtaining the verification information of the motor vehicle to be verified according to the motor vehicle mortgage verification request includes:

[0042] Obtain the basic information of the user and verify the authenticity of the basic information;

[0043] Obtain motor vehicle information, and retrieve the detailed information of the motor vehicle from a preset data source according to the motor vehicle information to obtain the detailed motor vehicle information;

[0044] extracting historical mortgage information from the detailed information of the motor vehicle, and determining whether the person is eligible for the motor vehicle mortgage based on the historical mortgage information;

[0045] When the authenticity check passes and the person is eligible for the motor vehicle mortgage, the basic information and the motor vehicle detailed information are compared according to the preset mortgage data requirements;

[0046] When the comparison is successful, the basic information and the motor vehicle detailed information are integrated to obtain the verification information of the motor vehicle to be verified, and a request log corresponding to the motor vehicle verification request is recorded.

[0047] In this embodiment, the basic information uploaded by the user is obtained and the authenticity of the basic information is verified. Specifically, it is determined whether the identity card document is within the validity period and whether the mobile phone number is in normal use based on the front and back images of the identity card uploaded by the user; when the identity card document is within the validity period and the mobile phone number is in normal use, a secondary verification is performed by sending and receiving mobile phone verification codes to ensure the authenticity of the user's identity. Then, the user-entered motor vehicle information, such as the license plate number, vehicle identification number (VIN), and engine number, is obtained and searched against an internal database or a third-party data source (such as a data interface of a traffic management department). Detailed motor vehicle information is obtained from the search results, including but not limited to the vehicle make, model, color, purchase date, registration information (such as the owner's name), and historical mortgage records. Historical mortgage records are identified and extracted from the vehicle detailed information, including but not limited to whether there is contact for mortgage, mortgagee, and mortgage time. Based on the historical mortgage records, whether the motor vehicle is eligible for mortgage is determined. If the motor vehicle has an unreleased mortgage record, it is determined to be ineligible for mortgage, and the relevant information is recorded and notified to the user. If the user's authenticity is verified and the motor vehicle is eligible for mortgage, the user's basic information and the motor vehicle detailed information are compared according to preset mortgage data requirements to determine whether any information is missing. If no information is missing, it is determined that the requirements of the motor vehicle mortgage process are met. The basic information is integrated with the motor vehicle information and the motor vehicle detailed information to obtain verification information for the motor vehicle to be verified. To ensure the traceability of the motor vehicle mortgage process, a request log for the motor vehicle mortgage process is recorded and encrypted.

[0048] In this embodiment, by verifying the user's basic information and motor vehicle detailed information, the submission of false information and illegal mortgage behavior can be prevented, thereby improving the reliability and security of the motor vehicle mortgage process; and automatically verifying the user's basic information and motor vehicle detailed information can improve the efficiency of the motor vehicle mortgage process, thereby improving the efficiency and accuracy of early warning of the motor vehicle mortgage process.

[0049] In an implementable example A, Xiao Li wants to apply for a motor vehicle mortgage loan. He initiates a mortgage loan request through the APP and uploads clear images of the front and back of his ID card, mobile phone number, and motor vehicle information as required. The system verifies the authenticity of the front and back images of the ID card and obtains detailed motor vehicle information based on the motor vehicle information. It then determines whether the motor vehicle is eligible for a mortgage loan based on its historical mortgage record. A second authenticity verification is then performed by receiving a verification code. Once the authenticity verification is passed and the loan is eligible, the basic information and motor vehicle details uploaded by Xiao Li are collected and integrated to obtain the verification information of the motor vehicle to be verified.

[0050] In this embodiment, by collecting necessary verification information of motor vehicles to be verified through standardized processes, the efficiency and accuracy of the verification process can be improved, and low efficiency caused by incomplete verification information and low accuracy caused by incorrect verification information can be prevented, thereby improving the efficiency and accuracy of early warning of the motor vehicle mortgage process.

[0051] Step S202: Apply online for a mortgage using the verification information of the motor vehicle to be verified through a mortgage application interface provided by a third-party platform to obtain feedback data of the verification information.

[0052] In this embodiment, the mortgage registration service function provided by the third-party platform specifically refers to an online service designed specifically for financial companies, which aims to digitize and online the vehicle mortgage registration process. This service covers the entire process from the submission of the mortgage application to the tracking of the mortgage process, greatly improving operational efficiency. For example, the National Motor Vehicle Online Mortgage Registration Service Platform launched by the Traffic Management Science Research Institute of the Ministry of Public Security (hereinafter referred to as the Traffic Management Science Research Institute) integrates vehicle mortgage registration information nationwide, achieving unified management and query for both online operations and offline records, thereby ensuring the comprehensiveness and accuracy of the information.

[0053] In this embodiment, the verification information of the motor vehicle to be verified is stored in a pool to be verified, which can be understood as a database. The sorted verification information of the motor vehicle to be verified is converted into a specific format (a format compatible with the third-party platform), and the verification information after format conversion is stored in the "pool to be verified"; a scheduled task is constructed, and when the time set by the scheduled task is reached, the verification information of the motor vehicle to be verified is extracted from the pool to be verified, and an online mortgage application is made through the online mortgage application interface provided by the third-party platform, and feedback data of the verification information fed back by the third-party platform is received, wherein the feedback data refers to successful acceptance, the existence of mortgage records of the motor vehicle belonging to other mortgagees, and the mortgage registration record of the motor vehicle by the mortgagee.

[0054] In one embodiment, the online mortgage application of the verification information of the motor vehicle to be verified through the mortgage application interface provided by a third-party platform to obtain the feedback data of the verification information includes:

[0055] Obtain the API document of the third-party platform, and construct a mortgage application request according to the API document and the verification information of the motor vehicle to be verified;

[0056] Send the mortgage application request to the mortgage application interface of the third-party platform;

[0057] Receive the response data of the third-party platform in response to the mortgage application request to obtain the feedback data of the verification information.

[0058] In this embodiment, obtain the API document of the third-party platform. According to the requirements of the API document, select the correct HTTP method (such as POST), set the request headers (such as Content-Type, Authorization, etc.), and construct the request body according to the verification information of the motor vehicle to be verified to form a mortgage application request. Send the constructed mortgage application request to the mortgage application interface of the third-party platform, and monitor the sending process of the mortgage application request to ensure that there are no problems such as network anomalies or timeouts, and the request can successfully reach the third-party platform. Wait for and receive the response data of the third-party platform in response to the mortgage application request to obtain the feedback data of the information to be verified.

[0059] In this embodiment, communication through the API interface, along with encryption and authentication mechanisms, can protect the security of the user's verification information and improve security; and using the API document of the third-party platform to construct the mortgage application request ensures the standardization of the entire process, thereby improving the efficiency of the mortgage application process.

[0060] Continuing with the above-mentioned feasible example A, construct a mortgage application request according to the verification information of the motor vehicle to be verified submitted by Xiao Li, and send the mortgage application request to the third-party platform through the mortgage application interface of the third-party platform, and receive the response data feedback by the third-party platform in response to the mortgage application request to obtain the feedback data corresponding to the verification information.

[0061] In this embodiment, by constructing a mortgage application request according to the verification information of the motor vehicle to be verified and sending it to the third-party platform to obtain the feedback data corresponding to the verification information feedback by the third-party platform, the traditional paper application and manual review processes are avoided, greatly improving the efficiency of the mortgage application process, and further improving the efficiency and accuracy of early warning for the motor vehicle mortgage process.

[0062] Step S203: Determine the mortgage status of the motor vehicle to be verified based on the internal information of the motor vehicle to be verified and the feedback data.

[0063] In this embodiment, the internal information of the motor vehicle to be verified includes the vehicle registration certificate that has received mortgage and the vehicle registration certificate that has not received mortgage. According to the user's unique identifier (such as ID number), query from the database used by the company to store internal information to obtain the internal information of the motor vehicle to be verified; as mentioned in step S202, the feedback data includes: A. Successful acceptance, B. There is a mortgage record belonging to other mortgagees for the motor vehicle, C. There is a mortgage registration record of this mortgagee for the motor vehicle; among them, A. Successful acceptance indicates that the motor vehicle has not been mortgaged; B. There is a mortgage record belonging to other mortgagees for the motor vehicle indicates that the motor vehicle has been truly mortgaged and not mortgaged to this financial company; C. There is a mortgage registration record of this mortgagee for the motor vehicle indicates that the motor vehicle has been normally mortgaged to this financial company.

[0064] In this embodiment, identify the internal information from the internal database according to the unique identification number (such as ID number) of the verification information, and determine the mortgage status of the motor vehicle to be verified based on the internal data and the feedback data through a preset mortgage status judgment rule.

[0065] In one embodiment, the determining the mortgage status of the motor vehicle to be verified based on the internal information of the motor vehicle to be verified and the feedback data includes:

[0066] Identify the internal information of the motor vehicle to be verified and the feedback data;

[0067] When the internal information is the vehicle registration certificate that has received mortgage, call the first mortgage status judgment rule according to the feedback data to determine the mortgage status of the motor vehicle to be verified;

[0068] When the internal information is the vehicle registration certificate that has not received mortgage, call the second mortgage status judgment rule according to the feedback data to determine the mortgage status of the motor vehicle to be verified.

[0069] In this embodiment, for different situations of internal information, the corresponding judgment rules are different. First, identify the internal information and the feedback data, and call the corresponding mortgage status judgment rules (the first mortgage status judgment rule and the second mortgage status judgment rule) according to the internal information. When it is identified that the internal information of the motor vehicle to be verified is the vehicle registration certificate that has received mortgage, determine the mortgage status of the motor vehicle to be verified according to the feedback information and the first mortgage status judgment rule; when the identified internal information is the vehicle registration certificate that has not received mortgage, call the second mortgage judgment rule according to the feedback data to determine the mortgage status of the motor vehicle to be verified.

[0070] In this embodiment, by differentiating whether the vehicle registration certificate has been received, the corresponding mortgage status judgment rule is called to judge the mortgage status of the motor vehicle to be verified. Different judgment rules can be called to make a more accurate judgment for different situations, reducing the possibility of misjudgment; and through the pre-set judgment rules, the mortgage status of the motor vehicle can be judged quickly and automatically without manual intervention, improving the work efficiency, and further improving the efficiency and accuracy of warning for the motor vehicle mortgage process.

[0071] In another embodiment, when the internal information is the received vehicle registration certificate for mortgage, according to the feedback data, the first mortgage status judgment rule is called to judge the mortgage status of the motor vehicle to be verified, including:

[0072] When the internal information is the received vehicle registration certificate for mortgage, obtain the feedback data and call the first mortgage status judgment rule;

[0073] When the feedback data is "acceptance successful" or there is a mortgage record of the vehicle belonging to other mortgagees, according to the first mortgage status judgment rule, judge that the mortgage status of the motor vehicle to be verified is a false registration;

[0074] When the feedback data is that there is already a mortgage registration record of the motor vehicle for this mortgagee, according to the first mortgage status judgment rule, judge that the mortgage status of the motor vehicle to be verified is a successful verification status.

[0075] In this embodiment, when the received vehicle registration certificate for mortgage, if the feedback data is "acceptance successful", according to the information of the vehicle registration certificate, this motor vehicle should already be in a mortgaged state, and it is judged as a false registration; if the feedback data is "there is a mortgage record of the vehicle belonging to other mortgagees", according to the information of the vehicle registration certificate, this motor vehicle should have a mortgage record belonging to this financial company as the mortgagee, and it is judged as a false registration; if the feedback data is "there is already a mortgage registration record of the motor vehicle for this mortgagee", there is no contradiction; the first mortgage status judgment rule is formulated according to the above information. The first mortgage status judgment rule is: when the feedback data is "acceptance successful" or "there is a mortgage record of the vehicle belonging to other mortgagees", judge that the mortgage status of this motor vehicle is a false registration, and when the feedback data is "there is already a mortgage registration record of the motor vehicle for this mortgagee", judge that the mortgage status of this motor vehicle is a successful verification.

[0076] In this embodiment, when the internal information is the vehicle registration certificate that has received the mortgage, the feedback data is obtained, and the first mortgage status judgment rule is called. Through the first mortgage status judgment rule, it is judged whether the mortgage status of the motor vehicle to be verified is false registration or verification success. The motor vehicles to be verified corresponding to false registration are included in the "false registration pool", and the motor vehicles to be verified corresponding to verification success are included in the "verification success pool". Among them, the "false registration pool" and "verification success pool" are essentially the same as the above-mentioned "pool of motor vehicles to be verified", but are used to store different data.

[0077] In this embodiment, by combining the internal data and the feedback data and calling the mortgage status judgment rule corresponding to the internal data, the true mortgage status of the motor vehicle to be verified can be quickly identified, and the efficiency and accuracy of warning the motor vehicle mortgage process can be improved.

[0078] In another embodiment, when the internal information is that the vehicle registration certificate for mortgage has not been received, according to the feedback data, the second mortgage status judgment rule is called to judge the mortgage status of the motor vehicle to be verified, including:

[0079] When the internal information is that the vehicle registration certificate for mortgage has not been received, the feedback data is obtained, and the second mortgage status judgment rule is called;

[0080] When the feedback data is "acceptance successful", according to the second mortgage status judgment rule, it is judged that the mortgage status of the motor vehicle to be verified is an un-mortgaged status;

[0081] When the feedback data is that there is a mortgage record of the vehicle belonging to other mortgagees, according to the second mortgage status judgment rule, it is judged that the mortgage status of the motor vehicle to be verified is a duplicate mortgage status;

[0082] When the feedback data is that there is a mortgage registration record of the motor vehicle for this mortgagee, according to the second mortgage status judgment rule, it is judged that the mortgage status of the motor vehicle to be verified is a verification success status.

[0083] In this embodiment, when the vehicle registration certificate for mortgage is not received, if the feedback data is "acceptance successful", according to the information of the vehicle registration certificate, the motor vehicle is not in a mortgaged state yet, and it is determined to be in a state of pending verification; if the feedback data is "there is a mortgage record belonging to other mortgagees for the vehicle", according to the information of the vehicle registration certificate, this motor vehicle should have a mortgage record with this financial company as the mortgagee, and it is determined to be a duplicate registration; if the feedback data is "the motor vehicle already has a mortgage registration record of this mortgagee", there is no contradiction; according to the above information, a second mortgage status judgment rule is formulated, and the second mortgage status judgment rule is: when the feedback data is "acceptance successful", it is judged to be in an unmortgaged state, when the feedback data is "there is a mortgage record belonging to other mortgagees for the vehicle", it is judged that the mortgage status of this motor vehicle is a duplicate registration, and when the feedback data is "the motor vehicle already has a mortgage registration record of this mortgagee", it is judged that the mortgage status of this motor vehicle is successful verification.

[0084] In this embodiment, when the internal information is that the vehicle registration certificate for mortgage is not received, the feedback data is obtained, and the second mortgage status judgment rule is called. Through the second mortgage status judgment rule, it is judged whether the mortgage status of the motor vehicle to be verified is in an unmortgaged state, a duplicate registration or a successful verification, and the motor vehicles to be verified corresponding to the unmortgaged state are included in the "unmortgaged state pool", the motor vehicles to be verified corresponding to the duplicate registration are included in the "duplicate registration pool", and the motor vehicles to be verified corresponding to the successful verification are included in the "successful verification pool", where the "unmortgaged state pool" and the "duplicate registration pool" are essentially the same as the above-mentioned "pending verification pool", but are used to store different data.

[0085] In this embodiment, by combining the internal data and the feedback data and calling the mortgage status judgment rule corresponding to the internal data, the true mortgage status of the motor vehicle to be verified can be quickly identified, and the efficiency and accuracy of warning for the motor vehicle mortgage process can be improved.

[0086] Continuing with the above-mentioned implementable example A, according to the ID number corresponding to Xiao Li, the internal information of Xiao Li is identified from the company's internal database. According to the internal data, the corresponding mortgage status verification rule is called, and according to the mortgage status rule of the feedback data, the mortgage status of Xiao Li's motor vehicle is identified.

[0087] In this embodiment, by combining the internal information and the feedback data of the motor vehicle to be verified, the true mortgage status of the motor vehicle to be verified can be accurately identified, preventing lawbreakers from conducting mortgage fraud by forging vehicle registration certificates or taking advantage of the time difference between uploading the mortgage registration certificate and lending, improving the accuracy rate of warning for the motor vehicle mortgage process; and through the automatic judgment of the mortgage status verification rule, the efficiency of warning for the motor vehicle mortgage process is improved.

[0088] Step S204: assigning a warning level to the motor vehicle to be verified according to the mortgage status of the motor vehicle to be verified and pre-set graded warning rules.

[0089] In this embodiment, the above-mentioned pre-set graded warning rules include high-risk warning, medium-risk warning, low-risk warning and no-risk warning; according to the pre-set graded warning rules, the warning registration of the motor vehicle to be verified is given.

[0090] In one embodiment, assigning a warning level to the motor vehicle to be verified based on the mortgage status of the motor vehicle to be verified and pre-set graded warning rules includes:

[0091] When the mortgage status is a false registration, a high-risk warning is given to the motor vehicle to be verified according to the pre-set graded warning rules;

[0092] When the mortgage status is repeated mortgage, a medium risk warning is given to the motor vehicle to be verified according to the pre-set graded warning rules;

[0093] When the mortgage status is unmortgaged, a low-risk warning is given to the motor vehicle to be verified according to the pre-set graded warning rules;

[0094] When the mortgage status is verified successfully, the motor vehicle to be verified is given a risk-free warning according to the pre-set graded warning rules.

[0095] In this embodiment, according to the pre-set graded warning rules, all motor vehicles to be verified in the false registration pool are given a high-risk warning, all motor vehicles to be verified in the duplicate registration pool are given a medium-risk warning, all motor vehicles to be verified in the unmortgaged pool are given a low-risk warning, and all motor vehicles to be verified in the verified pool are given a no-risk warning; based on the high-risk warning, a red warning message is automatically pushed to the salesperson, and the salesperson is prompted to stop the motor vehicle mortgage process; based on the medium-risk warning, a yellow warning message is pushed to the salesperson, and the salesperson is prompted to follow up and review whether there is a problem of duplicate mortgage; based on the low-risk warning, a blue warning message is pushed to the salesperson, and the salesperson is prompted to prevent mortgage overdue according to the motor vehicle mortgage process.

[0096] In this embodiment, the warning level of the motor vehicle to be verified is assigned by pre-set graded warning rules, which can timely identify fraudulent behavior in motor vehicle mortgages and improve the accuracy and efficiency of warnings for the motor vehicle mortgage process.

[0097] It should be emphasized that in order to further ensure the privacy and security of the verification information of the above-mentioned motor vehicles to be verified, the verification information of the above-mentioned motor vehicles to be verified can also be stored in a node of a blockchain.

[0098] The blockchain referred to in this application is a new application model for computer technologies such as distributed data storage, peer-to-peer transmission, consensus mechanisms, and encryption algorithms. Blockchain is essentially a decentralized database, a series of data blocks generated using cryptographic methods. Each data block contains information about a batch of network transactions, which is used to verify the validity of this information (to prevent counterfeiting) and generate the next block. Blockchain can include the underlying blockchain platform, the platform product service layer, and the application service layer.

[0099] The embodiments of the present application can acquire and process relevant data based on artificial intelligence technology. Artificial Intelligence (AI) is the 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 achieve optimal results.

[0100] Fundamental AI technologies generally include sensors, dedicated AI chips, cloud computing, distributed storage, big data processing, operating / interaction systems, and mechatronics. AI software technologies primarily encompass computer vision, robotics, biometrics, speech processing, natural language processing, and machine learning / deep learning.

[0101] Those skilled in the art will appreciate that all or part of the processes in the above-described method embodiments can be implemented by instructing related hardware via computer-readable instructions. The computer-readable instructions can be stored in a computer-readable storage medium, and when the program is executed, it can include the processes in the above-described method embodiments. The aforementioned storage medium can be a non-volatile storage medium such as a magnetic disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM).

[0102] It should be understood that although the steps in the flowcharts of the accompanying drawings are shown in sequence as indicated by the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least some of the steps in the flowcharts of the accompanying drawings may include multiple sub-steps or multiple stages, and these sub-steps or stages are not necessarily executed at the same time, but can be executed at different times, and their execution order is not necessarily sequential, but can be executed in turn or alternately with other steps or at least a portion of the sub-steps or stages of other steps.

[0103] Further reference Figure 3 As an implementation of the method described above Figure 2 The present application provides an embodiment of an early warning device for motor vehicle mortgage applications. This device embodiment corresponds to Figure 2 the method embodiment shown above, and this device can be specifically applied to various computer devices.

[0104] As shown in Figure 3 the early warning device 300 for motor vehicle mortgage applications described in this embodiment includes: an information acquisition module 301, an online application module 302, a status judgment module 303, and an early warning distribution module 304. Among them:

[0105] The information acquisition module 301 is configured to receive a motor vehicle mortgage verification request initiated by a user, and acquire verification information of the motor vehicle to be verified according to the motor vehicle mortgage verification request;

[0106] In one embodiment, the information acquisition module includes:

[0107] A verification sub-module, configured to acquire basic information of the user and perform authenticity verification on the basic information;

[0108] A retrieval sub-module, configured to acquire motor vehicle information, and retrieve detailed information of the motor vehicle from a preset data source according to the motor vehicle information to obtain detailed motor vehicle information;

[0109] An extraction sub-module, configured to extract historical mortgage information from the detailed motor vehicle information, and judge whether the motor vehicle has the qualification for mortgage according to the historical mortgage information;

[0110] A comparison sub-module, configured to compare with the basic information and the detailed motor vehicle information according to preset mortgage data requirements when the authenticity verification passes and the motor vehicle has the qualification for mortgage;

[0111] A recording sub-module, configured to integrate the basic information and the detailed motor vehicle information to obtain verification information of the motor vehicle to be verified and record a request log corresponding to the motor vehicle verification request after the comparison is successful.

[0112] The online application module 302 is configured to perform an online mortgage application for the verification information of the motor vehicle to be verified through a mortgage application interface provided by a third-party platform, and obtain feedback data of the verification information;

[0113] In one embodiment, the online application module includes:

[0114] A construction sub-module, configured to acquire API documents of the third-party platform and construct a mortgage application request according to the API documents and the verification information of the motor vehicle to be verified;

[0115] A sending submodule, configured to send the mortgage application request to the mortgage application interface of the third-party platform;

[0116] The receiving submodule is used to receive the response data of the third-party platform in response to the mortgage application request, and obtain the feedback data of the verification information.

[0117] A status judgment module 303 is used to judge the mortgage status of the motor vehicle to be verified based on the internal information of the motor vehicle to be verified and the feedback data;

[0118] In one embodiment, the status determination module includes:

[0119] an identification submodule, configured to identify the internal information of the motor vehicle to be verified and the feedback data;

[0120] a first judgment submodule configured to, when the internal information is a vehicle registration certificate that has been mortgaged, invoke a first mortgage status judgment rule based on the feedback data to judge the mortgage status of the motor vehicle to be verified;

[0121] The second judgment submodule is used to call a second mortgage status judgment rule according to the feedback data to judge the mortgage status of the motor vehicle to be verified when the internal information indicates that the mortgaged vehicle registration certificate has not been received.

[0122] In another embodiment, the first judgment submodule includes:

[0123] a first calling subunit, configured to obtain the feedback data and call the first mortgage status judgment rule when the internal information is a vehicle registration certificate that has been received for mortgage;

[0124] a first judgment subunit, configured to, when the feedback data indicates successful acceptance or a mortgage record of the vehicle belonging to another mortgagee exists, determine, based on the first mortgage status judgment rule, that the mortgage status of the motor vehicle to be verified is a false registration;

[0125] The second judgment subunit is used to judge that the mortgage status of the motor vehicle to be verified is a successful verification status according to the first mortgage status judgment rule when the feedback data shows that the motor vehicle already has a mortgage registration record of the mortgagee.

[0126] In another embodiment, the second judgment submodule includes:

[0127] a second calling subunit, configured to obtain the feedback data and call the second mortgage status judgment rule when the internal information indicates that the mortgaged vehicle registration certificate has not been received;

[0128] A third judgment sub-unit, configured to, when the feedback data is successful acceptance, judge, according to the second mortgage status judgment rule, that the mortgage status of the motor vehicle to be verified is an un-mortgaged status;

[0129] A fourth judgment sub-unit, configured to, when the feedback data is that there is a mortgage record of the vehicle belonging to other mortgagees, judge, according to the second mortgage status judgment rule, that the mortgage status of the motor vehicle to be verified is a duplicate mortgage status;

[0130] A fifth judgment sub-unit, configured to, when the feedback data is that there is a mortgage registration record of the motor vehicle for this mortgagee, judge, according to the second mortgage status judgment rule, that the mortgage status of the motor vehicle to be verified is a successful verification status.

[0131] An early warning distribution module 304, configured to assign an early warning level to the motor vehicle to be verified according to the mortgage status of the motor vehicle to be verified and a pre-set hierarchical early warning rule.

[0132] In one embodiment, the early warning distribution module includes:

[0133] A first assignment sub-module, configured to, when the mortgage status is false registration, assign a high-risk early warning to the motor vehicle to be verified according to the pre-set hierarchical early warning rule;

[0134] A second assignment sub-module, configured to, when the mortgage status is duplicate mortgage, assign a medium-risk early warning to the motor vehicle to be verified according to the pre-set hierarchical early warning rule;

[0135] A third assignment sub-module, configured to, when the mortgage status is an un-mortgaged status, assign a low-risk early warning to the motor vehicle to be verified according to the pre-set hierarchical early warning rule;

[0136] A fourth assignment sub-module, configured to, when the mortgage status is successful verification, assign a risk-free early warning to the motor vehicle to be verified according to the pre-set hierarchical early warning rule.

[0137] In this embodiment, by collecting the verification information of the motor vehicle to be verified through a standardized process, the efficiency and accuracy of the verification process can be improved, the inefficiency caused by incomplete verification information and the low accuracy caused by incorrect verification information can be prevented, and thus the efficiency and accuracy of the early warning for the motor vehicle mortgage process are improved.

[0138] By constructing a mortgage application request according to the verification information of the motor vehicle to be verified and sending it to a third-party platform to obtain the feedback data corresponding to the verification information fed back by the third-party platform, the traditional paper application and manual review processes are avoided, the efficiency of the mortgage application process is greatly improved, and thus the efficiency and accuracy of the early warning for the motor vehicle mortgage process are improved.

[0139] By combining the internal information and feedback data of the motor vehicle to be verified, the true mortgage status of the motor vehicle to be verified can be accurately identified, preventing lawbreakers from conducting mortgage fraud by forging vehicle registration certificates or taking advantage of the time difference between uploading the mortgage registration certificate and disbursing the loan, improving the accuracy of early warning for the motor vehicle mortgage process; and by automatically judging through the mortgage status verification rules, the efficiency of early warning for the motor vehicle mortgage process is improved.

[0140] By assigning an early warning level to the motor vehicle to be verified through pre-set hierarchical early warning rules, fraud behaviors in motor vehicle mortgage can be identified in a timely manner, improving the accuracy and efficiency of early warning for the motor vehicle mortgage process.

[0141] To solve the above technical problems, the embodiment of the present application also provides a device (computer device). For details, please refer to Figure 4 , Figure 4 This is the basic structural block diagram of the computer device in this embodiment.

[0142] The computer device 4 includes a memory 41, a processor 42, and a network interface 43 that are communicatively connected to each other through a system bus. It should be noted that only the computer device 4 with a memory 41, a processor 42, and a network interface 43 is shown in the figure, but it should be understood that it is not required to implement all the shown components, and more or fewer components can be implemented alternatively. Among them, those skilled in the art of the present technology can understand that the computer device here is a device that can automatically perform numerical calculations and / or information processing according to pre-set or stored instructions, and its hardware includes but is not limited to microprocessors, application specific integrated circuits (ASICs), field-programmable gate arrays (FPGAs), digital signal processors (DSPs), embedded devices, etc.

[0143] The computer device can be a desktop computer, a notebook, a palm computer, a cloud server and other computing devices. The computer device can interact with the user through a keyboard, a mouse, a remote control, a touchpad, a voice control device and other means.

[0144] The memory 41 includes at least one type of readable storage medium, which includes flash memory, hard disk, multimedia card, card-type memory (e.g., SD or DX memory, etc.), random access memory (RAM), static random access memory (SRAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), programmable read-only memory (PROM), magnetic memory, magnetic disk, optical disc, etc. In some embodiments, the memory 41 may be an internal storage unit of the computer device 4, such as the hard disk or memory of the computer device 4. In other embodiments, the memory 41 may also be an external storage device of the computer device 4, such as a plug-in hard disk, Smart Media Card (SMC), Secure Digital (SD) card, Flash Card, etc. equipped on the computer device 4. Of course, the memory 41 may also include both the internal storage unit and the external storage device of the computer device 4. In this embodiment, the memory 41 is generally used to store the operating system installed on the computer device 4 and various application software, such as computer-readable instructions for the early warning method of motor vehicle mortgage applications, etc. In addition, the memory 41 may also be used to temporarily store various data that have been output or will be output.

[0145] In some embodiments, the processor 42 may be a central processing unit (CPU), controller, microcontroller, microprocessor, or other data processing chip. The processor 42 is generally used to control the overall operation of the computer device 4. In this embodiment, the processor 42 is used to run the computer-readable instructions stored in the memory 41 or process data, such as running the computer-readable instructions for the early warning method of motor vehicle mortgage applications.

[0146] The network interface 43 may include a wireless network interface or a wired network interface, and this network interface 43 is generally used to establish a communication connection between the computer device 4 and other electronic devices.

[0147] During the implementation of the electronic device of this application, by collecting the necessary verification information of the motor vehicle to be verified through a standardized process, the efficiency and accuracy of the verification process can be improved, preventing the low efficiency caused by incomplete verification information and the low accuracy caused by incorrect verification information, thereby improving the efficiency and accuracy of warning the motor vehicle mortgage process.

[0148] By constructing a mortgage application request based on the verification information of the motor vehicle to be verified and sending it to a third-party platform to obtain the feedback data corresponding to the verification information fed back by the third-party platform, the traditional paper application and manual review processes are avoided, greatly improving the efficiency of the mortgage application process, and thus enhancing the efficiency and accuracy of early warning for the motor vehicle mortgage process.

[0149] By combining the internal information of the motor vehicle to be verified and the feedback data, the true mortgage status of the motor vehicle to be verified can be accurately identified, preventing criminals from conducting mortgage fraud by forging vehicle registration certificates or taking advantage of the time difference between uploading the mortgage registration certificate and disbursing the loan, improving the accuracy of early warning for the motor vehicle mortgage process; and by automatically judging through the mortgage status verification rules, the efficiency of early warning for the motor vehicle mortgage process is improved.

[0150] By assigning an early warning level to the motor vehicle to be verified according to the preset hierarchical early warning rules, fraud in motor vehicle mortgage can be identified in a timely manner, improving the accuracy and efficiency of early warning for the motor vehicle mortgage process.

[0151] This application also provides another implementation manner, that is, providing a storage medium (computer-readable storage medium), the computer-readable storage medium stores computer-readable instructions, and the computer-readable instructions can be executed by at least one processor to enable the at least one processor to execute the steps of the early warning method for motor vehicle mortgage application as described above.

[0152] In the implementation process of the computer-readable storage medium of this application, by collecting the verification information of the motor vehicle to be verified through a standardized process, the efficiency and accuracy of the verification process can be improved, preventing the inefficiency caused by incomplete verification information and the low accuracy caused by incorrect verification information, and thus enhancing the efficiency and accuracy of early warning for the motor vehicle mortgage process.

[0153] By constructing a mortgage application request based on the verification information of the motor vehicle to be verified and sending it to a third-party platform to obtain the feedback data corresponding to the verification information fed back by the third-party platform, the traditional paper application and manual review processes are avoided, greatly improving the efficiency of the mortgage application process, and thus enhancing the efficiency and accuracy of early warning for the motor vehicle mortgage process.

[0154] By combining the internal information of the motor vehicle to be verified and the feedback data, the true mortgage status of the motor vehicle to be verified can be accurately identified, preventing criminals from conducting mortgage fraud by forging vehicle registration certificates or taking advantage of the time difference between uploading the mortgage registration certificate and disbursing the loan, improving the accuracy of early warning for the motor vehicle mortgage process; and by automatically judging through the mortgage status verification rules, the efficiency of early warning for the motor vehicle mortgage process is improved.

[0155] Assigning a warning level to the motor vehicle to be verified according to a preset hierarchical warning rule can timely identify fraud in motor vehicle mortgage, improving the accuracy and efficiency of warning for the motor vehicle mortgage process.

[0156] In the embodiments of the present application, the non-company software tools or components that appear are only for illustrative introduction and do not represent actual use.

[0157] Through the description of the above embodiments, those skilled in the art can clearly understand that the above method of the embodiment can be implemented by means of software plus a necessary general hardware platform. Of course, it can also be implemented by hardware, but in many cases the former is a better implementation method. Based on such an understanding, the technical solution of the present application, in essence, or the part that contributes to the prior art can be embodied in the form of a software product. The computer software product is stored in a storage medium (such as ROM / RAM, magnetic disk, optical disk) and includes several instructions for causing a terminal device (which can be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to execute the methods described in the various embodiments of the present application.

[0158] Obviously, the above-described embodiments are only a part of the embodiments of the present application, rather than all the embodiments. The preferred embodiments of the present application are shown in the drawings, but do not limit the patent scope of the present application. The present application can be implemented in many different forms. On the contrary, the purpose of providing these embodiments is to make the understanding of the disclosure of the present application more thorough and comprehensive. Although the present application has been described in detail with reference to the foregoing embodiments, for those skilled in the art, they can still modify the technical solutions described in the foregoing specific embodiments, or perform equivalent replacements for some of the technical features. Any equivalent structure directly or indirectly using the content of the specification and drawings of the present application in other related technical fields is similarly within the scope of the patent protection of the present application.

Claims

1. A warning method for a motor vehicle mortgage application, characterized in that, The method includes: Receiving a motor vehicle mortgage verification request initiated by a user, and obtaining verification information of the motor vehicle to be verified according to the motor vehicle mortgage verification request; Submitting an online mortgage application for the verification information of the motor vehicle to be verified through a mortgage application interface provided by a third-party platform, and obtaining feedback data of the verification information; Judging the mortgage status of the motor vehicle to be verified according to the internal information of the motor vehicle to be verified and the feedback data; Assigning a warning level to the motor vehicle to be verified according to the mortgage status of the motor vehicle to be verified and a preset hierarchical warning rule.

2. The early warning method for motor vehicle mortgage applications according to claim 1, wherein The obtaining verification information of the motor vehicle to be verified according to the motor vehicle mortgage verification request includes: Obtaining basic information of the user and performing authenticity verification on the basic information; Obtaining motor vehicle information, and retrieving detailed information of the motor vehicle from a preset data source according to the motor vehicle information to obtain detailed motor vehicle information; Extracting historical mortgage information from the detailed motor vehicle information, and judging whether the motor vehicle has the qualification for mortgage according to the historical mortgage information; When the authenticity verification is passed and the motor vehicle has the qualification for mortgage, comparing with the basic information and the detailed motor vehicle information according to preset mortgage data requirements; After the comparison is successful, integrating the basic information and the detailed motor vehicle information to obtain verification information of the motor vehicle to be verified, and recording a request log corresponding to the motor vehicle verification request.

3. The early warning method for motor vehicle mortgage application according to claim 1, characterized in that: The submitting an online mortgage application for the verification information of the motor vehicle to be verified through a mortgage application interface provided by a third-party platform, and obtaining feedback data of the verification information includes: Obtaining API documentation of the third-party platform, and constructing a mortgage application request according to the API documentation and the verification information of the motor vehicle to be verified; Sending the mortgage application request to the mortgage application interface of the third-party platform; Receiving response data of the third-party platform in response to the mortgage application request to obtain the feedback data of the verification information.

4. The early warning method for motor vehicle mortgage applications according to claim 1, characterized in that, The judging the mortgage status of the motor vehicle to be verified according to the internal information of the motor vehicle to be verified and the feedback data includes: Identifying the internal information of the motor vehicle to be verified and the feedback data; When the internal information is a vehicle registration certificate that has received a mortgage, calling a first mortgage status judgment rule according to the feedback data to judge the mortgage status of the motor vehicle to be verified; When the internal information is a vehicle registration certificate that has not received a mortgage, calling a second mortgage status judgment rule according to the feedback data to judge the mortgage status of the motor vehicle to be verified.

5. The early warning method for motor vehicle mortgage applications according to claim 4, characterized in that, The when the internal information is a vehicle registration certificate that has received a mortgage, calling a first mortgage status judgment rule according to the feedback data to judge the mortgage status of the motor vehicle to be verified includes: When the internal information is a vehicle registration certificate that has received a mortgage, obtaining the feedback data and calling the first mortgage status judgment rule; When the feedback data is successful acceptance or there is a mortgage record of the vehicle belonging to other mortgagees, according to the first mortgage status judgment rule, it is judged that the mortgage status of the motor vehicle to be verified is false registration; When the feedback data is that there is a mortgage registration record of the motor vehicle for this mortgagee, according to the first mortgage status judgment rule, it is judged that the mortgage status of the motor vehicle to be verified is a successful verification status.

6. The early warning method for motor vehicle mortgage applications as described in claim 4, characterized in that, When the internal information is that the vehicle registration certificate for mortgage has not been received, according to the feedback data, the second mortgage status judgment rule is called to judge the mortgage status of the motor vehicle to be verified, including: When the internal information is that the vehicle registration certificate for mortgage has not been received, the feedback data is obtained and the second mortgage status judgment rule is called; When the feedback data is successful acceptance, according to the second mortgage status judgment rule, it is judged that the mortgage status of the motor vehicle to be verified is an un-mortgaged status; When the feedback data is that there is a mortgage record of the vehicle belonging to other mortgagees, according to the second mortgage status judgment rule, it is judged that the mortgage status of the motor vehicle to be verified is a duplicate mortgage status; When the feedback data is that there is a mortgage registration record of the motor vehicle for this mortgagee, according to the second mortgage status judgment rule, it is judged that the mortgage status of the motor vehicle to be verified is a successful verification status.

7. The early warning method for motor vehicle mortgage applications according to claim 1, characterized in that, Assigning the warning level of the motor vehicle to be verified according to the mortgage status of the motor vehicle to be verified and the pre-set hierarchical warning rule, including: When the mortgage status is false registration, a high-risk warning is assigned to the motor vehicle to be verified according to the pre-set hierarchical warning rule; When the mortgage status is duplicate mortgage, a medium-risk warning is assigned to the motor vehicle to be verified according to the pre-set hierarchical warning rule; When the mortgage status is un-mortgaged status, a low-risk warning is assigned to the motor vehicle to be verified according to the pre-set hierarchical warning rule; When the mortgage status is successful verification, a risk-free warning is assigned to the motor vehicle to be verified according to the pre-set hierarchical warning rule.

8. An early warning device for motor vehicle mortgage applications, characterized in that: The device includes: An information acquisition module, configured to receive a motor vehicle mortgage verification request initiated by a user, and acquire verification information of the motor vehicle to be verified according to the motor vehicle mortgage verification request; An online application module, configured to perform an online mortgage application for the verification information of the motor vehicle to be verified through a mortgage application interface provided by a third-party platform, and obtain feedback data of the verification information; A status judgment module, configured to judge the mortgage status of the motor vehicle to be verified according to the internal information and the feedback data of the motor vehicle to be verified; A warning distribution module, configured to assign a warning level to the motor vehicle to be verified according to the mortgage status of the motor vehicle to be verified and the pre-set hierarchical warning rule.

9. A computer device, characterized in that, The computer device includes: At least one processor; and, A memory communicatively connected to the at least one processor; wherein, The memory stores instructions that can be executed by the at least one processor, and the instructions are executed by the at least one processor to enable the at least one processor to execute the early warning method for motor vehicle mortgage application as described in any one of claims 1 to 7.

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 motor vehicle mortgage application according to any one of claims 1 to 7 is implemented.

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