Vehicle collection method and device, electronic equipment and storage medium

Abstract

The invention provides a vehicle collection method and device, electronic equipment and a storage medium, relates to the technical field of computers, and is suitable for the field of financial science and technology. The method comprises the following steps: carrying out location query according to a customer identifier to obtain customer location information, carrying out credit investigation address query according to the customer identifier to obtain customer credit investigation address information, carrying out vehicle position query according to a vehicle identifier to obtain vehicle positioning information, and adding the addresses to an address information list; determining the target positioning information of the target collection person as an initial collection address; and determining one candidate address in the address information list as an end collection address according to the priority, determining the remaining candidate addresses as passing collection addresses, then performing path generation to obtain a target recommended collection path, and pushing the target recommended collection path to a target collection person. The method can improve the probability that the collection personnel find the vehicle or the customer, and improves the vehicle collection success rate and efficiency.

Description

Technical Field

[0001] The present application relates to the field of computer technology and is applicable to the field of financial technology, and in particular to a vehicle collection route planning method and device, electronic equipment, and storage medium. Background Art

[0002] In the fintech sector, for example, in the financing and leasing business, when a vehicle becomes overdue after the lease begins, auto finance companies typically dispatch on-site debt collectors to collect the vehicle. The collector's core task is to locate the customer or vehicle and, once located, to collect the debt. For example, if the customer is located, they can remind them to return the vehicle or repay the loan. Alternatively, if the vehicle is found, the collector can reclaim it themselves.

[0003] There are many pain points in debt collection work at present: when the vehicle lease starts, although the auto finance company will retain the customer's address, mobile phone number and other information, during the actual collection, the customer's address or mobile phone number may change, making it difficult for debt collectors to reach the customer, and the vehicle often loses contact, which in turn affects the smooth progress of debt collection work.

[0004] Therefore, the relevant technology has technical problems of low vehicle collection success rate and low efficiency. Summary of the Invention

[0005] The main purpose of the embodiments of the present application is to propose a vehicle collection method and device, electronic equipment, and storage medium, which can increase the probability of collection personnel finding vehicles or customers and improve the success rate and efficiency of vehicle collection.

[0006] To achieve the above objectives, a first aspect of an embodiment of the present application provides a vehicle collection method, the method comprising:

[0007] Obtaining target vehicle collection case information and assigning the target vehicle collection case information to a target collector; wherein the target vehicle collection case information includes a customer ID and a vehicle ID;

[0008] Performing a location query based on the customer identifier to obtain the customer's location information, using the customer's location information as a candidate address, and adding the candidate address to a preset address information list;

[0009] Performing a credit address query based on the customer identifier to obtain customer credit address information, using the customer credit address information as a candidate address, and adding the candidate address to the address information list;

[0010] Performing a vehicle location query based on the vehicle identification to obtain vehicle positioning information, using the vehicle positioning information as a candidate address, and adding the candidate address to the address information list;

[0011] Obtaining target location information of the target debt collector, and determining the target location information as the starting debt collection address;

[0012] Obtaining a priority of each candidate address in the address information list, and determining one of the candidate addresses in the address information list as an ending collection address based on the priority, and determining the remaining candidate addresses as en route collection addresses;

[0013] A path is generated based on the starting collection address, the passing collection addresses and the ending collection address to obtain a target recommended collection path, and the target recommended collection path is pushed to the target collector.

[0014] Optionally, each of the candidate addresses has a first address type, and the first address types of any two candidate addresses are different;

[0015] The obtaining of the priority of each candidate address in the address information list includes:

[0016] Determine an area covering each candidate address in the address information list to obtain a target area;

[0017] Obtaining a regional vehicle sighting rate mapping table for the target area; wherein the regional vehicle sighting rate mapping table represents a correspondence between a second address type and a vehicle sighting rate in the target area;

[0018] Searching the vehicle visibility mapping table according to a matching condition between each first address type and the second address type to obtain a vehicle visibility rate for each candidate address;

[0019] Priority mapping is performed according to the vehicle-visiting rate of the address to obtain the priority of each candidate address.

[0020] Optionally, obtaining a vehicle visibility mapping table for the target area includes:

[0021] Obtaining historical vehicle collection case information in the target area, wherein the historical vehicle collection case information includes historical vehicle sightings at at least two of the second address types, the historical vehicle sightings indicating whether a vehicle has been seen or not seen at an address corresponding to the second address type;

[0022] generating a vehicle sighting rate corresponding to each second address type according to the historical vehicle sighting situation;

[0023] The vehicle visibility rates corresponding to each second address type are merged to obtain the regional vehicle visibility rate mapping table.

[0024] Optionally, generating a vehicle sighting rate corresponding to each second address type according to the historical vehicle sighting situation includes:

[0025] Based on the historical vehicle sighting situation indicating that vehicles have been seen at the address corresponding to the second address type, counting the number of vehicles seen at the second address type to obtain the number of vehicles seen at the second address type;

[0026] Counting the number of vehicles that have been seen at the same second address type in history to obtain the number of visits to the second address type;

[0027] The vehicle seeing rate corresponding to the second address type is determined according to the ratio of the number of vehicles seen to the number of visits.

[0028] Optionally, the target collection vehicle case information also includes historical collection records;

[0029] After performing priority mapping according to the vehicle-visiting rate of the address to obtain the priority of each candidate address, the method further includes:

[0030] Performing address recognition on the historical collection records to obtain a valid collection address; wherein the valid collection address refers to an address that has previously reached a customer;

[0031] If the candidate address is the same as the valid collection address, the priority of the candidate address is increased.

[0032] Optionally, the target collection vehicle case information also includes historical collection records;

[0033] Before obtaining the priority of each candidate address in the address information list, the method further includes:

[0034] Performing address recognition on the historical collection records to obtain invalid collection addresses; wherein the invalid collection addresses refer to addresses that have not reached the customer;

[0035] Obtaining the historical address type of the invalid collection address and obtaining the first address type of the candidate address;

[0036] If the historical address type is the same as the first address type, deleting the candidate address from the address information list.

[0037] Optionally, performing address identification on the historical collection records to obtain an invalid collection address includes:

[0038] Performing address recognition on the historical collection records to obtain historical destination addresses;

[0039] If the historical debt collection record includes an address mark indicating that the historical destination address is invalid, the historical destination address is determined as the invalid debt collection address;

[0040] If the historical collection record includes an address mark indicating that the historical destination address is valid, a preset map service provider interface is called to verify the validity of the historical destination address to obtain the invalid collection address.

[0041] To achieve the above-mentioned purpose, a second aspect of an embodiment of the present application provides a vehicle collection device, the device comprising:

[0042] An information acquisition module is used to acquire target collection vehicle case information and assign the target collection vehicle case information to a target collection officer; wherein the target collection vehicle case information includes a customer ID and a vehicle ID;

[0043] a location query module, configured to query the location of the customer according to the customer identifier, obtain the customer's location information, use the customer's location information as a candidate address, and add the candidate address to a preset address information list;

[0044] a credit address query module, configured to query the credit address according to the customer identifier, obtain the customer's credit address information, use the customer's credit address information as a candidate address, and add the candidate address to the address information list;

[0045] A vehicle location query module, configured to query the vehicle location according to the vehicle identification, obtain vehicle location information, use the vehicle location information as a candidate address, and add the candidate address to the address information list;

[0046] A location acquisition module is used to obtain the target location information of the target debt collector and determine the target location information as the starting debt collection address;

[0047] an address sorting module, configured to obtain a priority of each candidate address in the address information list, and determine one of the candidate addresses in the address information list as an ending collection address based on the priority, and determine the remaining candidate addresses as en route collection addresses;

[0048] The path generation module is used to generate a path based on the starting collection address, the passing collection addresses and the ending collection address, obtain a target recommended collection path, and push the target recommended collection path to the target collector.

[0049] To achieve the above-mentioned purpose, the third aspect of an embodiment of the present application proposes an electronic device, which includes a memory and a processor, wherein the memory stores a computer program, and when the processor executes the computer program, it implements the vehicle collection method described in the first aspect above.

[0050] To achieve the above-mentioned purpose, the fourth aspect of an embodiment of the present application proposes a storage medium, which is a computer-readable storage medium. The storage medium stores a computer program, and when the computer program is executed by a processor, it implements the vehicle collection method described in the first aspect above.

[0051] The vehicle collection method and apparatus, electronic device, and storage medium proposed in this application, after assigning target vehicle collection case information to a target collector, obtain multiple candidate addresses based on the customer and vehicle identifiers in the information and add them to an address information list for unified processing. Furthermore, the target collector's target location information is determined as the starting collection address, and one of the candidate addresses in the address information list is determined as the ending collection address based on the priority of the candidate addresses. The remaining candidate addresses are determined as en route collection addresses. The priority primarily reflects the probability of the target collector meeting the customer or vehicle at each candidate address. Finally, a path is generated based on the starting collection address, the en route collection addresses, and the ending collection address to obtain a target recommended collection path, which is then pushed to the target collector. In this way, by considering the priority of different candidate addresses, the target collector can prioritize addresses with higher priority, further increasing the possibility of meeting the customer or vehicle in advance, thereby improving collection efficiency. In summary, this application can increase the probability of collectors finding vehicles or customers, and improve the success rate and efficiency of vehicle collection.

[0052] Additional aspects and advantages of the present application will be given in part in the description below, and in part will become obvious from the description below, or will be learned through practice of the present application. BRIEF DESCRIPTION OF THE DRAWINGS

[0053] Figure 1 This is a flow chart of the vehicle collection method provided in an embodiment of the present application;

[0054] Figure 2 yes Figure 1 Flowchart of step 106 in FIG.

[0055] Figure 3 yes Figure 2 Flowchart of step 202 in FIG.

[0056] Figure 4 yes Figure 3 Flowchart of step 302 in FIG.

[0057] Figure 5 This is a flow chart of a vehicle collection method provided by another embodiment of the present application;

[0058] Figure 6 yes Figure 5 Flowchart of step 501 in FIG.

[0059] Figure 7 This is a block diagram of the module structure of the vehicle collection device provided in an embodiment of the present application;

[0060] Figure 8 This is a schematic diagram of the hardware structure of the electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0061] In order to make the purpose, technical solutions and advantages of this application more clear, the following further describes this application in detail with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain this application and are not intended to limit this application.

[0062] It should be noted that although the device schematics illustrate functional module divisions and the flowcharts illustrate logical sequences, in certain circumstances, the steps shown or described may be performed in a sequence that differs from the module divisions in the device or the sequence in the flowcharts. The terms "first," "second," and so on, in the specification, claims, and drawings, are used to distinguish similar items and are not necessarily used to describe a specific sequence or precedence.

[0063] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as commonly understood by those skilled in the art to which this application pertains. The terms used herein are for the purpose of describing the embodiments of this application only and are not intended to limit this application.

[0064] First, let’s analyze some of the terms used in this application:

[0065] Artificial intelligence (AI) is a new technical discipline that studies and develops theories, methods, technologies, and application systems for simulating, extending, and expanding human intelligence. A branch of computer science, AI seeks to understand the essence of intelligence and create new intelligent machines that can respond in a manner similar to human intelligence. Research in this field includes robotics, speech recognition, image recognition, natural language processing, and expert systems. AI can simulate the information processes of human consciousness and thinking. It also encompasses theories, methods, technologies, and application systems that use digital computers or machines controlled by digital computers to simulate, extend, and expand human intelligence, to perceive the environment, acquire knowledge, and use that knowledge to achieve optimal results.

[0066] Vehicle collection: refers to a series of recovery measures taken by creditors when the vehicle owner fails to repay the car loan or lease amount as agreed, including urging repayment and repossessing the vehicle.

[0067] A debt collector is a professional or staff member responsible for collecting vehicles. Their primary responsibility is to contact customers and urge repayment or return of the vehicle. During a debt collection process, a debt collector may visit the vehicle's location to locate it, negotiate with the vehicle, or dispose of it.

[0068] Existing solutions rely on statically registered address information for collection. This outdated address information, sourced from a single source, often results in collectors running into problems. Furthermore, the system fails to integrate the location of collectors and cases, leading to inexperienced collectors running around aimlessly, impacting collection efficiency.

[0069] Based on this, the embodiments of the present application propose a vehicle collection method, a vehicle collection device, an electronic device and a computer-readable storage medium, which optimizes the screening of vehicle address information and rationally plans door-to-door collection routes to reduce invalid external visits, improve the timeliness and success rate of collection, and effectively control collection costs.

[0070] The vehicle collection method provided in the embodiments of the present application can be applied to terminals and servers, and can also be software running on the server. The server can be configured as an independent physical server, or as a server cluster or distributed system consisting of multiple physical servers. It can also be configured as a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN, and big data and artificial intelligence platforms; the software can be an application that implements the vehicle collection method, etc., but is not limited to the above forms.

[0071] The present application can be used in many general or special computer system environments or configurations. For example: server computers, multi-processor systems, microprocessor-based systems, set-top boxes, programmable consumer electronics devices, network PCs, distributed computing environments including any of the above systems or devices, and the like. The present application can be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, and the like that perform specific tasks or implement specific abstract data types. The present application can also be practiced in distributed computing environments in which tasks are performed by remote processing devices connected via a communication network. In a distributed computing environment, program modules can be located in local and remote computer storage media, including storage devices.

[0072] The embodiments of the present application provide a vehicle collection method, a vehicle collection device, an electronic device, and a computer-readable storage medium, which are specifically illustrated by the following embodiments. First, the vehicle collection method in the embodiments of the present application is described.

[0073] It should be noted that in each specific implementation method of the present application, when it involves performing relevant processing based on the user's location data, identity identification information, and other data related to the user's identity or characteristics, the user's permission or consent will be obtained first, and the collection, use, and processing of such data will comply with relevant laws, regulations, and standards.

[0074] Reference Figure 1 , Figure 1 This is an optional flowchart of the vehicle collection method provided in an embodiment of the present application, which may include but is not limited to steps 101 to 107.

[0075] Step 101: Obtain target vehicle collection case information and assign the target vehicle collection case information to a target collector; wherein the target vehicle collection case information includes a customer ID and a vehicle ID;

[0076] Step 102: perform a location query based on the customer identifier to obtain the customer's location information, use the customer's location information as a candidate address, and add the candidate address to a preset address information list;

[0077] Step 103: perform a credit address query based on the customer identifier to obtain the customer's credit address information, use the customer's credit address information as a candidate address, and add the candidate address to the address information list;

[0078] Step 104: perform a vehicle location query based on the vehicle identification to obtain vehicle positioning information, use the vehicle positioning information as a candidate address, and add the candidate address to the address information list;

[0079] Step 105: Obtain target location information of the target debt collector and determine the target location information as the starting debt collection address;

[0080] Step 106: Obtain the priority of each candidate address in the address information list, and determine one candidate address in the address information list as the end collection address based on the priority, and determine the remaining candidate addresses as en route collection addresses;

[0081] Step 107 , generating a path based on the starting collection address, the passing collection addresses, and the ending collection address, obtaining a target recommended collection path, and pushing the target recommended collection path to the target collector.

[0082] In steps 101 to 107 shown in the embodiment of the present application, after the target collection vehicle case information is assigned to the target collector, multiple candidate addresses are obtained based on the customer identifier and vehicle identifier in the information, and are all added to the address information list for unified processing. Furthermore, the target location information of the target collector is determined as the starting collection address, and one candidate address in the address information list is determined as the ending collection address based on the priority of the candidate address, and the remaining candidate addresses are determined as the passing collection addresses. The priority mainly reflects the probability of the target collector meeting the customer or vehicle at different candidate addresses. Finally, a path is generated based on the starting collection address, the passing collection address, and the ending collection address to obtain the target recommended collection path, and the target recommended collection path is pushed to the target collector. In this way, by considering the priority of different candidate addresses, it is easier for the target collector to go to addresses with higher priority first, further increasing the possibility of meeting the customer or vehicle in advance, thereby improving the collection efficiency. In summary, the present application can increase the probability of the collector finding the vehicle or customer, and improve the success rate and efficiency of vehicle collection.

[0083] The vehicle collection method provided in this application can be specifically applied to the vehicle leasing field in the field of financial technology, and more specifically to the financing and leasing business in the vehicle leasing field.

[0084] In some embodiments, step 101 obtains target vehicle collection case information and assigns it to a target collector. The target vehicle collection case information refers to information related to the vehicle to be collected. The target vehicle collection case information includes a customer identifier and a vehicle identifier. In one example, vehicle collection cases are categorized and assigned to different collectors based on factors such as case complexity and risk level.

[0085] In some embodiments, step 102 involves performing a location query based on the customer identifier to obtain customer location information, using the customer location information as a candidate address and adding the candidate address to a preset list of address information. In one example, when a customer rents a vehicle, they provide at least one of their registered residence, workplace, and residence information, which is stored in an address database. In this example, step 102 may include performing a search based on the customer identifier in a preset address database to obtain the customer location information, where the customer location information includes at least one of the following: registered residence, workplace, and residence information.

[0086] In step 103 of some embodiments, a credit address query is performed based on the customer identifier to obtain the customer credit address information, and the customer credit address information is used as a candidate address, and the candidate address is added to the address information list. In one example, the credit address query can be performed by accessing a credit platform. A credit platform refers to a system platform that collects, stores, and provides personal or corporate credit information. The credit platform establishes a credit file and provides customer credit reports by aggregating data from multiple channels such as banks, financial institutions, and public records. Specifically, step 103 may include: uploading a credit query request based on the customer identifier; sending a credit query request to the credit platform to obtain a customer credit report; extracting the address from the customer credit report to obtain the customer credit address information.

[0087] It should be noted that when the customer rents a vehicle, we have obtained the customer's authorization, that is, we have obtained the authorization to query the customer's credit address on behalf of the customer, and the use and processing of the customer's credit address information will comply with relevant laws, regulations and standards.

[0088] In step 104 of some embodiments, a vehicle location query is performed based on the vehicle identification to obtain vehicle positioning information, and the vehicle positioning information is used as a candidate address and added to the address information list. For example, a vehicle location query is performed on a vehicle location management platform based on the vehicle identification to obtain vehicle positioning information, wherein the vehicle location management platform obtains the vehicle positioning information through an onboard communication device or a rear-mounted GPS device.

[0089] In step 105 of some embodiments, the target location information of the target debt collector is obtained and the target location information is determined as the starting collection address. For example, the target location information of the target debt collector is obtained using the GPS function of a mobile phone or device.

[0090] In step 106 of some embodiments, the priority of each candidate address in the address information list is obtained, and one candidate address in the address information list is determined as the end collection address based on the priority, and the remaining candidate addresses are determined as transit collection addresses. For example, the candidate address with the lowest priority in the address information list is determined as the end collection address.

[0091] Each candidate address has a first address type, and any two candidate addresses have different first address types. The first address type indicates the source of the candidate address. For example, if the candidate address is customer location information, the first address type is the location category. If the subsequent address is vehicle location information, the first address type is the vehicle address category. If the subsequent address is customer credit address information, the first address type is the credit address category. The location category can also be specifically divided into household registration category, residence category, and work location category.

[0092] In one embodiment, referring to Figure 2 The priority of each candidate address in the address information list obtained in step 106 may include:

[0093] Step 201, determining the area covering each candidate address in the address information list to obtain a target area;

[0094] Step 202: Obtain a vehicle-visiting rate mapping table for the target area;

[0095] Step 203: Search the vehicle visibility mapping table based on the matching status of each first address type and the second address type to obtain the vehicle visibility rate of each candidate address;

[0096] Step 204: Priority mapping is performed based on the vehicle-visiting rate of the address to obtain the priority of each candidate address.

[0097] In step 201 , for example, if one candidate address is M1 district in M ​​city and another candidate address is M2 district in M ​​city, then the target area may be determined to be M city.

[0098] In step 202, a regional vehicle sighting rate mapping table represents the correspondence between a second address type and a vehicle sighting rate in a target area. The second address type indicates the source of the address. The second address type includes household registration address type, residence type, workplace type, vehicle address type, and credit address type.

[0099] For example, referring to Table 1, City M and City G have corresponding vehicle visibility rates under different second address types.

[0100] Second address type Car sighting rate in City M Vehicle sighting rate in City G Vehicle Address Category A％ F％ Credit address category B％ G％ Place of residence type C％ H％ Type of residence D％ I％ Workplace Type E％ J％

[0101] Table 1

[0102] Assuming A>B>C>D>E, the priority of each candidate address in City M is: vehicle address>credit address>household registration address>residence>workplace. Assuming F>G>H>I>J, the priority of each candidate address in City G is: vehicle address>credit address>household registration address>residence>workplace.

[0103] In step 203, for example, the first address type includes a vehicle address category, a credit address category, and a registered residence category. After searching the vehicle visibility mapping table, the vehicle visibility rate of the candidate address corresponding to the vehicle address category can be obtained as A%, the vehicle visibility rate of the candidate address corresponding to the credit address category can be obtained as B%, and the vehicle visibility rate of the candidate address corresponding to the registered residence category can be obtained as C%.

[0104] In step 204, for example, assuming A>B>C, the priority of the candidate address corresponding to the vehicle address category is determined to be the first level, the priority of the candidate address corresponding to the credit address category is determined to be the second level, and the priority of the candidate address corresponding to the household registration address category is determined to be the third level. The first level, second level, and third level are determined in descending order.

[0105] The benefit of the embodiment of steps 201 to 204 above is that it can determine the priority by considering the vehicle sighting rates corresponding to different addresses, so that the target debt collectors can go to addresses with higher priorities first, further increasing the possibility of seeing customers or vehicles in advance, thereby improving the collection efficiency.

[0106] In one embodiment, referring to Figure 3 , step 202 may include:

[0107] Step 301: Obtain historical vehicle collection case information in the target area;

[0108] Step 302: Generate a vehicle sighting rate corresponding to each second address type based on historical vehicle sighting information.

[0109] Step 303: Merge the vehicle visibility rates corresponding to each second address type to obtain a regional vehicle visibility mapping table.

[0110] In step 301, historical vehicle collection case information includes historical vehicle sightings for at least two second address types. A historical vehicle sighting indicates whether a vehicle was seen or not seen at an address corresponding to the second address type. For example, a debt collector may have failed to see a vehicle at an address corresponding to the vehicle address type, seen a vehicle at an address corresponding to the credit reporting address type, and failed to see a vehicle at an address corresponding to the household registration address type.

[0111] In step 302, the vehicle sighting rate is the number of vehicles seen by the debt collector at the second address type / all cases where the debt collector went to the second address.

[0112] In one embodiment, referring to Figure 4 , step 302 may include:

[0113] Step 401: Based on the historical vehicle sighting information indicating that vehicles have been seen at the address corresponding to the second address type, the number of vehicles seen at the second address type is counted to obtain the number of vehicles seen at the second address type.

[0114] Step 402: Count the number of vehicles that have been seen at the same second address type in history to obtain the number of visits to the second address type.

[0115] Step 403: Determine the vehicle sighting rate corresponding to the second address type based on the ratio of the number of vehicles seen to the number of visits.

[0116] For example, if there are 1000 historical vehicle sightings for the second address type being the vehicle address category, of which 500 indicate that the vehicle has been seen, the vehicle sighting rate corresponding to the vehicle address category is 50%. For another example, if there are 1000 historical vehicle sightings for the second address type being the credit address category, of which 100 indicate that the vehicle has been seen, the vehicle sighting rate corresponding to the credit address category is 10%. For another example, if there are 1000 historical vehicle sightings for the second address type being the household registration address category, of which 20 indicate that the vehicle has been seen, the vehicle sighting rate corresponding to the credit address category is 2%.

[0117] The benefit of the embodiment of steps 401 to 403 is that the vehicle visibility rate of each second address type can be dynamically determined.

[0118] The benefit of the embodiment of steps 301 to 303 is that a regional vehicle visibility mapping table can be set for different target areas, and thus the applicability is high.

[0119] In one embodiment, the target collection vehicle case information also includes historical collection records. This is because if the case has a historical collection record, the valid address that has successfully reached the customer can be given priority based on the follow-up results of the historical collection. Specifically, in step 106, priority mapping is performed based on the address-to-vehicle ratio to obtain the priority of each candidate address. The method also includes: address identification of the historical collection records to obtain a valid collection address; wherein, the valid collection address refers to an address that has reached the customer; if the candidate address is the same as the valid collection address, the priority of the candidate address is increased. In this way, it is convenient for the target collector to go to the address with higher priority first, further increasing the possibility of seeing the customer or vehicle in advance, thereby improving the collection efficiency.

[0120] In one embodiment, referring to Figure 5 Before obtaining the priority of each candidate address in the address information list in step 106, the method further includes:

[0121] Step 501: Perform address recognition on historical collection records to obtain invalid collection addresses; wherein, invalid collection addresses refer to addresses that have not reached the customer;

[0122] Step 502: Obtain the historical address type of the invalid collection address and obtain the first address type of the candidate address;

[0123] Step 503: If the historical address type is the same as the first address type, the candidate address is deleted from the address information list.

[0124] In step 501, for example, the historical collection record is "XX year XX month XX day, went to No. XX, XX Road, M1 District, M City but did not see the customer", then after address recognition, the invalid collection address can be obtained as "No. XX, XX Road, M1 District, M City".

[0125] In step 502, the invalid collection address is matched with the customer's location information, the customer's credit address device, and the vehicle location information to obtain an address that matches the wireless collection address. This address is then assigned a historical address type. For example, if the address matching "No. XX, XX Road, M1 District, M City" is a customer's credit address, the historical address type can be assigned a credit address type. The first address type includes the location type and the credit address type.

[0126] In step 503, for example, if the historical address type is a credit address category and the first address type is a credit address category, then one candidate address corresponding to the credit address category is deleted from the address information list.

[0127] The benefit of the embodiment of steps 501 to 503 is that the address information list can be dynamically updated based on historical collection records, thereby reducing processing resources for invalid addresses and improving collection efficiency.

[0128] In one embodiment, referring to Figure 6 , step 501 may include:

[0129] Step 601: Perform address recognition on historical collection records to obtain historical destination addresses;

[0130] Step 602: If the historical collection record includes an address mark indicating that the historical destination address is invalid, the historical destination address is determined to be an invalid collection address;

[0131] Step 603: If the historical collection record includes an address mark indicating that the historical destination address is valid, a preset map service provider interface is called to verify the validity of the historical destination address to obtain an invalid collection address.

[0132] In step 601, address recognition can be performed on historical collection records using methods such as keyword matching to obtain multiple historical destination addresses.

[0133] In step 602, the historical debt collection record may include an address tag of the historical destination address. The address tag indicates whether the historical destination address is invalid or valid. If the address tag indicates that the historical destination address is invalid, the historical destination address is determined to be an invalid debt collection address.

[0134] In step 603, if the address mark indicates that the historical destination address is valid, it means that the debt collector has previously visited the customer at the historical destination address. However, considering that the validity of the address is dynamically updated, the preset map service provider interface is called to verify the validity of the historical destination address and obtain a verification result. If the verification result indicates that the historical destination address does not exist, the historical destination address is determined to be an invalid collection address. If the verification result indicates that the historical destination address exists, the historical destination address is determined to be a valid collection address.

[0135] The benefit of the embodiment of steps 601 to 603 is that it can dynamically determine whether there is an invalid collection address based on historical collection records, thereby improving applicability.

[0136] In step 107 of some embodiments, a path is generated based on the starting collection address, the intermediate collection addresses, and the ending collection address to obtain a target recommended collection path, which is then pushed to the target collector. For example, an initial path is constructed based on the starting collection address and the ending collection address; the priorities of the intermediate collection addresses are obtained, and the intermediate collection addresses are added to the initial path in descending order of priority to obtain the target recommended collection path.

[0137] In one example, the GPS location of the target debt collector is obtained, and the recommended collection route is automatically generated and updated at a certain frequency (such as once every 2 hours, once a day, etc.).

[0138] Debt collectors can manually refresh the real-time location information of the case based on actual conditions and regenerate recommended routes based on the latest positioning. In addition, debt collectors can also manually adjust the required address types and the order of routes to be operated based on their own experience or actual conditions. The debt collector meets the customer and the vehicle, completes the collection process, and fills out the field visit report. The content of the field visit report includes but is not limited to information such as the time, location, personnel, whether the vehicle was seen, whether the address is valid, and a case overview. When marking the validity of the field visit address, if it is an invalid address (address does not exist, road changes, demolition, etc.), it will be submitted to the collection system in the field visit report. After the debt collector completes the field visit report, the collection system will collect feedback information to further verify the validity of the address, such as querying whether the address does not exist through the map service provider interface, and marking the address after confirming its validity. And through machine learning algorithms, it dynamically optimizes address priority and path planning rules to adapt to different scenarios and the actual needs of debt collectors.

[0139] This application can at least achieve the following beneficial effects: 1. Access to vehicle positioning information, external credit system data, and address validity marks combined with past collections, etc., multi-source data integration and real-time update mechanisms ensure that collectors obtain the latest and most effective customer addresses, thereby improving customer reach and collection success rates. 2. Using vehicle positioning data and collector location information, accurately screen valid addresses and dynamically plan routes based on collector locations, reduce collectors' ineffective mileage, and improve operational efficiency and success rates. 3. The manual adjustment and approval mechanism makes the collection route more in line with actual needs, adapts to complex and changing collection scenarios, and enhances the collectors' operational experience. At the same time, after the collectors complete their field visits, they continuously mark and improve invalid addresses, continuously optimize and improve the database of valid collection addresses, and further improve the collection success rate.

[0140] See also Figure 7 The embodiment of the present application also provides a vehicle collection device that can implement the above-mentioned vehicle collection method. Figure 7 This is a block diagram of the module structure of the vehicle collection device provided in an embodiment of the present application, which includes:

[0141] The information acquisition module 701 is used to acquire target vehicle collection case information and assign the target vehicle collection case information to a target collector; wherein the target vehicle collection case information includes a customer ID and a vehicle ID;

[0142] The location query module 702 is used to query the location according to the customer identifier, obtain the customer's location information, use the customer's location information as a candidate address, and add the candidate address to a preset address information list;

[0143] The credit address query module 703 is used to query the credit address according to the customer identifier, obtain the customer's credit address information, use the customer's credit address information as a candidate address, and add the candidate address to the address information list;

[0144] The vehicle location query module 704 is used to query the vehicle location according to the vehicle identification, obtain vehicle location information, use the vehicle location information as a candidate address, and add the candidate address to the address information list;

[0145] The location acquisition module 705 is used to obtain the target location information of the target debt collector and determine the target location information as the starting debt collection address;

[0146] An address sorting module 706 is configured to obtain a priority of each candidate address in the address information list, and determine one candidate address in the address information list as an end collection address based on the priority, and determine the remaining candidate addresses as en route collection addresses;

[0147] The path generation module 707 is used to generate a path based on the starting collection address, the passing collection addresses and the ending collection address, obtain a target recommended collection path, and push the target recommended collection path to the target collector.

[0148] In one embodiment, the vehicle collection device also includes a priority update module, which is used to: perform address identification on historical collection records to obtain a valid collection address; wherein, the valid collection address refers to an address that has reached the customer; if the candidate address is the same as the valid collection address, the priority of the candidate address is increased.

[0149] In one embodiment, the vehicle collection device also includes a list update module, which is used to: perform address identification on historical collection records to obtain invalid collection addresses; wherein, invalid collection addresses refer to addresses that have not reached customers; obtain the historical address type of the invalid collection address, and obtain the first address type of the candidate address; if the historical address type is the same as the first address type, delete the candidate address from the address information list.

[0150] It should be noted that the specific implementation of the vehicle collection device is basically the same as the specific embodiment of the above-mentioned vehicle collection method, and will not be repeated here.

[0151] The present application also provides an electronic device comprising: a memory, a processor, a program stored in the memory and executable on the processor, and a data bus for enabling communication between the processor and the memory. When the program is executed by the processor, the aforementioned vehicle debt collection method is implemented. The electronic device may be any intelligent terminal, such as a tablet computer or an in-vehicle computer.

[0152] See also Figure 8 , Figure 8 The hardware structure of an electronic device according to another embodiment is shown. The electronic device includes:

[0153] The processor 801 can be implemented as a general-purpose CPU (Central Processing Unit), a microprocessor, an application-specific integrated circuit (ASIC), or one or more integrated circuits, and is used to execute relevant programs to implement the technical solutions provided in the embodiments of the present application.

[0154] The memory 802 can be implemented in the form of a read-only memory (ROM), a static storage device, a dynamic storage device, or a random access memory (RAM). The memory 802 can store an operating system and other application programs. When the technical solutions provided in the embodiments of this specification are implemented through software or firmware, the relevant program code is stored in the memory 802 and is called by the processor 801 to execute the vehicle collection method of the embodiments of this application.

[0155] Input / output interface 803, used to implement information input and output;

[0156] Communication interface 804, used to implement communication interaction between this device and other devices, which can be achieved through wired means (such as USB, network cable, etc.) or wireless means (such as mobile network, WiFi, Bluetooth, etc.);

[0157] Bus 805 , which transmits information between various components of the device (e.g., processor 801 , memory 802 , input / output interface 803 , and communication interface 804 );

[0158] The processor 801 , the memory 802 , the input / output interface 803 and the communication interface 804 are connected to each other in communication within the device via a bus 805 .

[0159] An embodiment of the present application also provides a storage medium, which is a computer-readable storage medium used for computer-readable storage. The storage medium stores one or more programs, and the one or more programs can be executed by one or more processors to implement the above-mentioned vehicle collection method.

[0160] The memory, as a non-transient computer-readable storage medium, can be used to store non-transient software programs and non-transient computer executable programs. In addition, the memory may include a high-speed random access memory and may also include a non-transient memory, such as at least one disk storage device, a flash memory device, or other non-transient solid-state storage device. In some embodiments, the memory may optionally include a memory remotely arranged relative to the processor, and these remote memories may be connected to the processor via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0161] The vehicle collection method and apparatus, electronic device, and storage medium proposed in this application, after assigning target vehicle collection case information to a target collector, obtain multiple candidate addresses based on the customer and vehicle identifiers in the information and add them to an address information list for unified processing. Furthermore, the target collector's target location information is determined as the starting collection address, and one of the candidate addresses in the address information list is determined as the ending collection address based on the priority of the candidate addresses. The remaining candidate addresses are determined as en route collection addresses. The priority primarily reflects the probability of the target collector meeting the customer or vehicle at each candidate address. Finally, a path is generated based on the starting collection address, the en route collection addresses, and the ending collection address to obtain a target recommended collection path, which is then pushed to the target collector. In this way, by considering the priority of different candidate addresses, the target collector can prioritize addresses with higher priority, further increasing the possibility of meeting the customer or vehicle in advance, thereby improving collection efficiency. In summary, this application can increase the probability of collectors finding vehicles or customers, and improve the success rate and efficiency of vehicle collection.

[0162] The embodiments described in the embodiments of this application are intended to more clearly illustrate the technical solutions of the embodiments of this application and do not constitute a limitation on the technical solutions provided by the embodiments of this application. Those skilled in the art will appreciate that with the evolution of technology and the emergence of new application scenarios, the technical solutions provided in the embodiments of this application are also applicable to similar technical problems.

[0163] Those skilled in the art will understand that the technical solutions shown in the figures do not constitute a limitation on the embodiments of the present application, and may include more or fewer steps than shown in the figures, or a combination of certain steps, or different steps.

[0164] The device embodiments described above are merely illustrative. The units described as separate components may or may not be physically separate, i.e., they may be located in one place or distributed across multiple network units. Some or all of the modules may be selected based on actual needs to achieve the objectives of this embodiment.

[0165] Those skilled in the art will appreciate that all or some of the steps in the methods, systems, and functional modules / units in the devices disclosed above may be implemented as software, firmware, hardware, or appropriate combinations thereof.

[0166] The terms "first", "second", "third", "fourth", etc. (if any) in the specification of the present application and the above-mentioned drawings are used to distinguish similar objects and are not necessarily used to describe a specific order or sequential order. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0167] It should be understood that in this application, "at least one (item)" means one or more, and "plurality" means two or more. "And / or" is used to describe the association relationship of associated objects, indicating that three relationships may exist. For example, "A and / or B" can mean: only A exists, only B exists, and A and B exist at the same time, where A and B can be singular or plural. The character " / " generally indicates that the previous and next associated objects are in an "or" relationship. "At least one of the following items" or similar expressions refers to any combination of these items, including any combination of single items or plural items. For example, at least one of a, b or c can mean: a, b, c, "a and b", "a and c", "b and c", or "a and b and c", where a, b, c can be single or multiple.

[0168] In the several embodiments provided in this application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are merely schematic. For example, the division of the units is merely a logical function division. In actual implementation, there may be other division methods, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or units, which can be electrical, mechanical or other forms.

[0169] The units described as separate components may or may not be physically separate, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed across multiple network units. Some or all of these units may be selected to achieve the purpose of this embodiment according to actual needs.

[0170] In addition, the functional units in the various embodiments of the present application may be integrated into a single processing unit, or each unit may exist physically separately, or two or more units may be integrated into a single unit. The aforementioned integrated units may be implemented in the form of hardware or software functional units.

[0171] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application is essentially or the part that contributes to the prior art or all or part of the technical solution can be embodied in the form of a software product. The computer software product is stored in a storage medium and includes multiple instructions for enabling an electronic device (which can be a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: various media that can store programs, such as a USB flash drive, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk.

[0172] The preferred embodiments of the present invention are described above with reference to the accompanying drawings, but are not intended to limit the scope of the present invention. Any modifications, equivalent substitutions, and improvements made by those skilled in the art without departing from the scope and essence of the present invention should be within the scope of the present invention.

Claims

1. A vehicle collection method, characterized in that: The method comprises: Obtaining target vehicle collection case information and assigning the target vehicle collection case information to a target collector; wherein the target vehicle collection case information includes a customer ID and a vehicle ID; Performing a location query based on the customer identifier to obtain the customer's location information, using the customer's location information as a candidate address, and adding the candidate address to a preset address information list; Performing a credit address query based on the customer identifier to obtain customer credit address information, using the customer credit address information as a candidate address, and adding the candidate address to the address information list; Performing a vehicle location query based on the vehicle identification to obtain vehicle positioning information, using the vehicle positioning information as a candidate address, and adding the candidate address to the address information list; Obtaining target location information of the target debt collector, and determining the target location information as the starting debt collection address; Obtaining a priority of each candidate address in the address information list, and determining one of the candidate addresses in the address information list as an ending collection address based on the priority, and determining the remaining candidate addresses as en route collection addresses; A path is generated based on the starting collection address, the passing collection addresses and the ending collection address to obtain a target recommended collection path, and the target recommended collection path is pushed to the target collector.

2. The method according to claim 1, characterized in that Each of the candidate addresses has a first address type, and the first address types of any two candidate addresses are different; The obtaining of the priority of each candidate address in the address information list includes: Determine an area covering each candidate address in the address information list to obtain a target area; Obtaining a regional vehicle sighting rate mapping table for the target area; wherein the regional vehicle sighting rate mapping table represents a correspondence between a second address type and a vehicle sighting rate in the target area; Searching the vehicle visibility mapping table according to a matching condition between each first address type and the second address type to obtain a vehicle visibility rate for each candidate address; Priority mapping is performed according to the vehicle-visiting rate of the address to obtain the priority of each candidate address.

3. The method according to claim 2, characterized in that The obtaining of the area vehicle rate mapping table of the target area includes: Obtaining historical vehicle collection case information in the target area, wherein the historical vehicle collection case information includes historical vehicle sightings at at least two of the second address types, the historical vehicle sightings indicating whether a vehicle has been seen or not seen at an address corresponding to the second address type; generating a vehicle sighting rate corresponding to each second address type according to the historical vehicle sighting situation; The vehicle visibility rates corresponding to each second address type are merged to obtain the regional vehicle visibility rate mapping table.

4. The method according to claim 3, characterized in that Generating a vehicle sighting rate corresponding to each second address type according to the historical vehicle sighting situation includes: Based on the historical vehicle sighting situation indicating that vehicles have been seen at the address corresponding to the second address type, counting the number of vehicles seen at the second address type to obtain the number of vehicles seen at the second address type; Counting the number of vehicles that have been seen at the same second address type in history to obtain the number of visits to the second address type; The vehicle seeing rate corresponding to the second address type is determined according to the ratio of the number of vehicles seen to the number of visits.

5. The method according to any one of claims 2 to 4, characterized in that The target collection vehicle case information also includes historical collection records; After performing priority mapping according to the vehicle-visiting rate of the address to obtain the priority of each candidate address, the method further includes: Performing address recognition on the historical collection records to obtain a valid collection address; wherein the valid collection address refers to an address that has previously reached a customer; If the candidate address is the same as the valid collection address, the priority of the candidate address is increased.

6. The method according to any one of claims 1 to 4, characterized in that The target collection vehicle case information also includes historical collection records; Before obtaining the priority of each candidate address in the address information list, the method further includes: Performing address recognition on the historical collection records to obtain invalid collection addresses; wherein the invalid collection addresses refer to addresses that have not reached the customer; Obtaining the historical address type of the invalid collection address and obtaining the first address type of the candidate address; If the historical address type is the same as the first address type, deleting the candidate address from the address information list.

7. The method according to claim 6, characterized in that The performing address identification on the historical collection records to obtain an invalid collection address includes: Performing address recognition on the historical collection records to obtain historical destination addresses; If the historical debt collection record includes an address mark indicating that the historical destination address is invalid, the historical destination address is determined as the invalid debt collection address; If the historical collection record includes an address mark indicating that the historical destination address is valid, a preset map service provider interface is called to verify the validity of the historical destination address to obtain the invalid collection address.

8. A vehicle collection device, characterized in that: The device comprises: An information acquisition module is used to acquire target collection vehicle case information and assign the target collection vehicle case information to a target collection officer; wherein the target collection vehicle case information includes a customer ID and a vehicle ID; a location query module, configured to query the location of the customer according to the customer identifier, obtain the customer's location information, use the customer's location information as a candidate address, and add the candidate address to a preset address information list; a credit address query module, configured to query the credit address according to the customer identifier, obtain the customer's credit address information, use the customer's credit address information as a candidate address, and add the candidate address to the address information list; A vehicle location query module, configured to query the vehicle location according to the vehicle identification, obtain vehicle location information, use the vehicle location information as a candidate address, and add the candidate address to the address information list; A location acquisition module is used to obtain the target location information of the target debt collector and determine the target location information as the starting debt collection address; an address sorting module, configured to obtain a priority of each candidate address in the address information list, and determine one of the candidate addresses in the address information list as an ending collection address based on the priority, and determine the remaining candidate addresses as en route collection addresses; The path generation module is used to generate a path based on the starting collection address, the passing collection addresses and the ending collection address, obtain a target recommended collection path, and push the target recommended collection path to the target collector.

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

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

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