Method and system for supervising and urging repayment of loan vehicle, vehicle and equipment

Abstract

The invention discloses a loan vehicle repayment supervising and urging method and system, a vehicle and equipment. The loan vehicle repayment supervision and urging method comprises the steps that when it is detected that a power battery of a loan vehicle is charged, the maximum charging SOC limit value of the power battery is dynamically adjusted according to the repayment condition of the loan vehicle, and the longer the repayment condition is delayed, the lower the maximum charging SOC limit value is; when the SOC of the power battery reaches the maximum charging SOC limit value, controlling the power battery to finish charging; and sending the charging restriction instruction to the user, and synchronizing the charging restriction information to the cloud. With the adoption of the method and the device, the SOC limitation and the reason thereof are informed in advance, enough preparation time is given to the user to process repayment, and meanwhile, a mechanism for gradually recovering the charging capability is provided, so that the acceptability and the satisfaction degree of the user are enhanced. Therefore, not only is the risk of loan default effectively reduced, but also the service experience of customers is effectively improved.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of vehicles, in particular to a repayment prompting method and system for loan vehicles, a vehicle and equipment. BACKGROUND

[0002] In order to ensure that the customer can effectively deal with the possible malicious default situation after adopting the loan method to purchase the vehicle, and avoid the purchase amount cannot be recovered, the automobile manufacturer usually takes a series of preventive measures. These measures include but are not limited to technical means and management prompting methods: technical restrictions: through the vehicle-mounted intelligent system, specific use restrictions are set, such as limiting the number of engine starts, reducing the vehicle torque or the maximum speed, etc. Such technical measures can promote the borrower to repay on time to a certain extent, and at the same time as a guarantee mechanism, reduce the economic loss caused by default. Offline prompting: In addition to technical means, the vehicle enterprise will also implement traditional offline follow-up strategies. This includes regularly reminding customers to repay through telephone contact, sending reminder emails or letters, and providing face-to-face consulting services for customers who have overdue repayment, understanding their specific situation and seeking solutions.

[0003] However, with the popularity of electric vehicles, such measures to deal with the possible malicious default of customers after purchasing vehicles by loan gradually show their limitations and drawbacks, for example: the impact of limiting the number of starts: for customers who rely on vehicles for daily operation, limiting the number of engine starts may cause the customer's business to be interrupted, thereby causing more widespread economic problems and social dissatisfaction. The risk of torque or speed limitation: implementing torque or speed limitation in electric vehicles not only affects the driving experience, but more importantly, under certain driving conditions such as high-speed driving or climbing, this will significantly increase the driving risk, threatening the safety of drivers and the public. The inefficiency of offline prompting methods: simply relying on artificial telephone reminders, door-to-door collection and other traditional offline prompting methods is inefficient when facing a large number of vehicles distributed in a wide range. This method consumes a lot of manpower and material resources, and it is difficult to ensure timely and effective follow-up, which may lead to delayed or failed recovery of arrears. SUMMARY

[0004] Therefore, it is necessary to provide a loan vehicle repayment prompting method, system, vehicle and device to solve the above technical problems. The method only affects the cruising range of the vehicle when prompting the user to repay, effectively reducing the impact of the vehicle on the daily use of the customer, and helping to ease the tension between the customer and the host factory. In addition, this way avoids the safety hazards that may be caused by sudden power limitation, especially in situations that require full power output such as high-speed driving or climbing, effectively improving driving safety. By informing the user in advance of the SOC limit and its reason, enough preparation time is given to the user to handle the repayment matter, and a mechanism for gradually restoring the charging capacity is provided, enhancing the user's acceptance and satisfaction. Therefore, not only does it effectively reduce the loan default risk, but also effectively improves the customer's service experience.

[0005] In a first aspect, a loan vehicle repayment prompting method is provided, comprising:

[0006] When it is detected that the power battery of the loan vehicle is charging, dynamically adjusting the maximum charging SOC limit value of the power battery according to the repayment situation of the loan vehicle, wherein the longer the repayment situation is delayed, the lower the maximum charging SOC limit value is;

[0007] When the SOC of the power battery reaches the maximum charging SOC limit value, controlling the power battery to end charging;

[0008] Sending a charging restriction statement to the user and synchronizing the charging restriction information to the cloud.

[0009] In some examples, when it is detected that the power battery of the loan vehicle is charging, the maximum charging SOC limit value of the power battery is dynamically adjusted according to the repayment situation of the loan vehicle, comprising:

[0010] Receiving an instruction of the maximum charging SOC limit value of the power battery issued by the cloud, wherein after the user's repayment is overdue, the cloud determines the corresponding maximum charging SOC limit value of the power battery according to the user's repayment situation and issues the instruction;

[0011] According to the instruction, when it is detected that the power battery of the loan vehicle is charging, the maximum charging SOC limit value of the power battery is dynamically adjusted.

[0012] In some examples, further comprising:

[0013] When the loan of the loan vehicle is settled, receiving a maximum charging SOC limit value release instruction of the power battery issued by the cloud to release the charging restriction of the power battery.

[0014] In some examples, the charging restriction statement sent to the user comprises:

[0015] displaying a charging limit instruction on a dashboard or a center screen of the loan vehicle.

[0016] In some examples, the method further comprises:

[0017] sending the charging limit instruction to a terminal device of the user.

[0018] In some examples, after synchronizing the charging limit information to the cloud, the method further comprises:

[0019] issuing an overdue payment notice of the loan vehicle by the vehicle manufacturer and the corresponding financial institution.

[0020] In a second aspect, a payment supervision system for a loan vehicle is provided, comprising:

[0021] an adjusting module configured to dynamically adjust a maximum charging SOC limit of a power battery of the loan vehicle according to a payment condition of the loan vehicle when detecting that the power battery is charging, wherein the longer the payment condition is delayed, the lower the maximum charging SOC limit is;

[0022] a control module configured to control the power battery to end charging when an SOC of the power battery reaches the maximum charging SOC limit.

[0023] a communication module configured to send a charging limit instruction to a user and synchronize charging limit information to a cloud.

[0024] In a third aspect, a vehicle is provided, comprising the payment supervision system for a loan vehicle according to the second aspect described above.

[0025] In a fourth aspect, a computer device is provided, comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the payment supervision method for a loan vehicle according to the first aspect and any possible implementation manner of the first aspect.

[0026] In a fifth aspect, a computer readable storage medium is provided, which stores a computer program, wherein the program is executable on a processor to implement the steps of the payment supervision method for a loan vehicle according to the first aspect and any possible implementation manner of the first aspect.

[0027] In a sixth aspect, a computer program product is provided, which stores a computer program, wherein the program is executable on a processor to implement the steps of the payment supervision method for a loan vehicle according to the first aspect and any possible implementation manner of the first aspect.

[0028] When it is detected that the power battery of the loan vehicle is charging, the maximum charging SOC limit of the power battery is dynamically adjusted according to the repayment of the loan vehicle, when the SOC of the power battery reaches the maximum charging SOC limit, the charging of the power battery is controlled to end, a charging restriction statement is sent to the user, and the charging restriction information is synchronized to the cloud. Therefore, compared with the traditional hard measures such as limiting the starting of the vehicle, reducing the torque or speed, etc., the embodiments of the present application only affect the endurance mileage of the vehicle when urging the user to repay, effectively reducing the influence of the vehicle on the daily use of the customer, and helping to ease the tension between the customer and the host factory. In addition, this way avoids the safety hazards that may be caused by sudden power restriction, especially in the case of full power output required in high-speed driving or climbing, effectively improving the driving safety. By informing the user in advance about the SOC limit and its reason, enough preparation time is given to the user to handle the repayment matter, and a mechanism for gradually restoring the charging capacity is provided, which enhances the acceptance and satisfaction of the user. Therefore, not only the loan default risk is effectively reduced, but also the service experience of the customer is effectively improved. BRIEF DESCRIPTION OF DRAWINGS

[0029] Other features, objects, and advantages of the application will become more apparent from the following detailed description of non-limiting embodiments made with reference to the drawings:

[0030] Figure 1 A flowchart of a repayment urging method of a loan vehicle provided for embodiments of the present application;

[0031] Figure 2 A schematic diagram of a repayment urging method of a loan vehicle provided for embodiments of the present application;

[0032] Figure 3 A structural block diagram of a repayment urging system of a loan vehicle provided for embodiments of the present application;

[0033] Figure 4 A structural block diagram of a computer device provided for embodiments of the present application. DETAILED DESCRIPTION

[0034] The application will be further described below in conjunction with embodiments and drawings. It can be understood that the specific embodiments described herein are only used to explain the related application, and not to limit the application. In addition, it should be noted that only parts related to the application are shown in the drawings for ease of description.

[0035] It should be noted that the features of the embodiments in the present application, i.e., the features of the embodiments, can be combined with each other without conflict. The present application will be described in detail below with reference to the drawings and in conjunction with the embodiments.

[0036] The loan vehicle repayment supervision method, system, vehicle and device according to the embodiments of the present application are described in detail below with reference to the accompanying drawings.

[0037] Figure 1 FIG. 1 is a flowchart of a loan vehicle repayment supervision method according to an embodiment of the present application. As shown in FIG. 1, the loan vehicle repayment supervision method according to the embodiments of the present application comprises the following steps: Figure 1

[0038] S101: When it is detected that the power battery of the loan vehicle is being charged, dynamically adjusting the maximum charging SOC limit value of the power battery according to the repayment situation of the loan vehicle, wherein the longer the repayment is delayed, the lower the maximum charging SOC limit value is.

[0039] In an embodiment of the present application, when it is detected that the power battery of the loan vehicle is being charged, dynamically adjusting the maximum charging SOC limit value of the power battery according to the repayment situation of the loan vehicle comprises: receiving an instruction of the maximum charging SOC limit value of the power battery issued by the cloud, wherein after the user has overdue repayment, the cloud determines the corresponding maximum charging SOC limit value of the power battery according to the repayment situation of the user and issues the instruction; and according to the instruction, when it is detected that the power battery of the loan vehicle is being charged, dynamically adjusting the maximum charging SOC limit value of the power battery.

[0040] In the loan vehicle repayment supervision method, if the loan has been cleared, i.e., after the loan of the loan vehicle is cleared, receiving an instruction of the maximum charging SOC limit value of the power battery issued by the cloud to release the charging limit of the power battery.

[0041] S102: When the SOC of the power battery reaches the maximum charging SOC limit value, controlling the power battery to end charging.

[0042] S103: Sending a charging limit explanation to the user and synchronizing the charging limit information to the cloud.

[0043] In an embodiment of the present application, sending the charging limit explanation to the user comprises: displaying the charging limit explanation on the instrument panel or center control screen of the loan vehicle. Of course, the charging limit explanation can also be sent to the terminal device of the user.

[0044] In an embodiment of the present application, after synchronizing the charging limit information to the cloud, it further comprises: issuing overdue repayment notice of the loan vehicle by the vehicle manufacturer and the corresponding financial institution.

[0045] ​For example, taking pure electric vehicles or hybrid vehicles as an example, limiting the State of Charge (SOC) of charging is used to deal with overdue payments. This not only protects the health of the vehicle's battery but also effectively encourages customers to repay their loans on time without seriously affecting their daily lives and business operations.

[0046] Specifically, when a customer is detected to have overdue payments, the system will automatically adjust the maximum charging capacity of the vehicle's battery, gradually reducing it from an initial 90% to a minimum of 10% (avoiding dropping the State of Charge (SOC) to 0% to prevent irreversible damage to the battery). This gradual reduction serves to remind users to make timely payments while preventing inconvenience or potential dangers caused by the inability to charge the battery completely.

[0047] This applies not only to pure electric vehicles but also to hybrid vehicles, such as those using an internal combustion engine to charge the battery. For example, even when using an internal combustion engine to charge the battery, a set SOC (State of Charge) limit applies, ensuring that all types of electric vehicles are managed fairly and effectively.

[0048] Through vehicle-to-everything (V2X) technology, the user's repayment status will be recorded in the cloud and synchronized to the user's mobile application in real time. When the repayment reminder mechanism is triggered, the user will not only receive a notification about their current debt status but also receive specific guidance on how to resolve the issue. These prompts will be delivered in a gentle and friendly manner, aiming to encourage rather than punish users while maintaining a good user experience.

[0049] The embodiments of this application utilize the connectivity features of modern electric vehicles to achieve a more flexible and user-friendly credit risk management strategy. It not only effectively reduces the occurrence of malicious defaults but also considers environmental protection and user interests, reflecting the value of technology serving society.

[0050] As a concrete example, combined Figure 2 As shown, this approach effectively manages loaned vehicles gently to prevent customers from maliciously defaulting on payments. By employing a State of Charge (SOC) limitation method, this scheme incentivizes customers to make timely payments without compromising vehicle battery life or driving safety.

[0051] Combination Figure 2Smart identification and charging limit: When the vehicle-mounted power battery system is connected to the charging pile and starts charging, the system will dynamically adjust the maximum charging SOC value according to the customer's repayment situation, initially set at 80%. Once this preset value is reached, the system will automatically disconnect the charging pile connection and stop the charging process. User notification mechanism: After charging is completed, the vehicle instrument panel will display the current SOC value as 80%, and the user can be prompted through a pop-up window or voice: "Charging is limited to 80%, please repay as soon as possible". This way directly and clearly conveys information, prompting the user to take action. Cloud synchronization and monitoring: The vehicle-mounted system will synchronize the charging limit information to the cloud and notify the vehicle manufacturer or relevant financial institutions so that they can monitor the repayment status of the vehicle in real time and take further measures. Mobile phone synchronization reminder: For vehicles that support remote control functions, the system will also send notifications to users through the mobile app, informing them of the situation that the charging SOC has been limited, ensuring that users can obtain relevant information in a timely manner regardless of their location.

[0052] SOC adjustment based on repayment: If the user makes partial or full repayment, the system will adjust the maximum charging SOC limit according to the repayment ratio until it fully recovers (i.e., 100%). This adjustment is issued by the cloud to the vehicle based on the user's repayment records, ensuring that the charging capacity gradually recovers.

[0053] According to the loan vehicle repayment supervision method of the embodiments of the present application, when it is detected that the power battery of the loan vehicle is charging, the maximum charging SOC limit of the power battery is dynamically adjusted according to the repayment situation of the loan vehicle, when the SOC of the power battery reaches the maximum charging SOC limit, the power battery is controlled to end charging, and a charging limit explanation is sent to the user, and the charging limit information is synchronized to the cloud. Thus, compared with traditional methods of limiting vehicle starting, reducing torque or speed, etc., the embodiments of the present application only affect the range of the vehicle when supervising the user's repayment, effectively reducing the impact of the vehicle on the user's daily use, and helping to ease the tension between the user and the host manufacturer. In addition, this way avoids the safety hazards that may be caused by sudden power limitation, especially in situations that require full power output such as high-speed driving or climbing, effectively improving driving safety. By informing the user in advance about the SOC limit and its reason, enough time is given to the user to handle the repayment matter, and a mechanism for gradually restoring the charging capacity is provided, enhancing the user's acceptance and satisfaction. Therefore, not only does it effectively reduce the risk of loan default, but it also effectively improves the customer's service experience.

[0054] Figure 3 is a structural diagram of a loan vehicle repayment supervision system according to an embodiment of the present application. As Figure 3As shown, the loan vehicle repayment prompting system according to the embodiment of the present application comprises an adjustment module 310, a control module 320 and a communication module 330, wherein:

[0055] The adjustment module 310 is configured to dynamically adjust the maximum charging SOC limit value of the power battery of the loan vehicle according to the repayment condition of the loan vehicle when it is detected that the power battery is charging, wherein the longer the repayment condition is delayed, the lower the maximum charging SOC limit value is;

[0056] The control module 320 is configured to control the power battery to end charging when the SOC of the power battery reaches the maximum charging SOC limit value;

[0057] The communication module 330 is configured to send a charging restriction explanation to the user and synchronize the charging restriction information to the cloud.

[0058] The loan vehicle repayment prompting system according to the embodiment of the present application dynamically adjusts the maximum charging SOC limit value of the power battery of the loan vehicle according to the repayment condition of the loan vehicle when it is detected that the power battery is charging, controls the power battery to end charging when the SOC of the power battery reaches the maximum charging SOC limit value, and sends a charging restriction explanation to the user and synchronizes the charging restriction information to the cloud. Thus, compared with the traditional hard measures such as limiting the starting of the vehicle, reducing the torque or speed, etc., the embodiment of the present application only affects the cruising range of the vehicle when prompting the user to repay, effectively reducing the impact of the vehicle on the daily use of the customer, and helping to ease the tension between the customer and the host factory. In addition, this way avoids the safety hazards that may be caused by sudden power restriction, especially in the case of full power output required for high-speed driving or climbing, effectively improving the driving safety. By informing the user in advance about the SOC limit and its reason, enough preparation time is given to the user to handle the repayment matter, and a mechanism for gradually restoring the charging capacity is provided, enhancing the acceptance and satisfaction of the user. Therefore, not only the loan default risk is effectively reduced, but also the service experience of the customer is effectively improved.

[0059] The specific limitations of the loan vehicle repayment prompting system can be referred to the limitations of the loan vehicle repayment prompting method in the above, which will not be repeated here. The modules of the loan vehicle repayment prompting system described above can be realized by software, hardware and their combinations in whole or in part. The modules described above can be embedded in or independent of the processor in the computer device in hardware form, or stored in the memory of the computer device in software form, so as to be called and executed by the processor to perform the operations corresponding to the above modules.

[0060] Further, a vehicle is provided, comprising the repayment supervision system of the loan vehicle according to any one of the above embodiments. When detecting that the power battery of the loan vehicle is charging, the vehicle dynamically adjusts the maximum charging SOC limit value of the power battery according to the repayment situation of the loan vehicle, controls the power battery to end charging when the SOC of the power battery reaches the maximum charging SOC limit value, sends a charging restriction statement to the user, synchronizes the charging restriction information to the cloud, and the like. Thus, compared with the traditional hard measures such as limiting the starting of the vehicle, reducing the torque or speed, and the like, the embodiments of the present application only affect the endurance mileage of the vehicle when supervising the user to repay, effectively reducing the influence of the vehicle on the daily use of the customer, and helping to ease the tension between the customer and the host factory. In addition, this way avoids the safety hazards that may be caused by sudden power restriction, especially in the case of full power output required such as high-speed driving or climbing, effectively improving the driving safety. By informing the user in advance about the SOC limit and its reason, enough preparation time is given to the user to handle the repayment matter, and a mechanism for gradually restoring the charging capacity is provided, enhancing the acceptance and satisfaction of the user. Therefore, not only the loan default risk is effectively reduced, but also the service experience of the customer is effectively improved.

[0061] In addition, other configurations and effects of the vehicle according to the embodiments of the present application are known to those skilled in the art, and will not be described here.

[0062] In one embodiment, a computer device is provided. Figure 4 For the structural block diagram of the computer device provided in the embodiments of the present application, reference is made to Figure 4 . The computer device comprises a memory and a processor, the memory stores a computer program, and the processor executes the computer program to realize the foregoing repayment supervision method embodiments of the loan vehicle. For example, when detecting that the power battery of the loan vehicle is charging, the maximum charging SOC limit value of the power battery is dynamically adjusted according to the repayment situation of the loan vehicle, wherein the longer the repayment situation is delayed, the lower the maximum charging SOC limit value is;

[0063] When the SOC of the power battery reaches the maximum charging SOC limit value, the power battery is controlled to end charging;

[0064] A charging restriction statement is sent to the user, and the charging restriction information is synchronized to the cloud.

[0065] The embodiment of the application further provides a computer readable storage medium, which stores a computer program, and the processor executes the computer program to realize the foregoing embodiment of the loan vehicle repayment supervision method. For example, when it is detected that the power battery of the loan vehicle is charging, the maximum charging SOC limit value of the power battery is dynamically adjusted according to the repayment situation of the loan vehicle, wherein the longer the repayment situation is delayed, the lower the maximum charging SOC limit value is.

[0066] When the SOC of the power battery reaches the maximum charging SOC limit value, the power battery is controlled to end charging.

[0067] charging restriction information is synchronized to the cloud.

[0068] The embodiment of the application provides a computer program product, which comprises instructions, and when the instructions are executed, the method described in the embodiment of the application is executed. For example, the steps of the loan vehicle repayment supervision method shown in the embodiment of the application can be executed, for example, when it is detected that the power battery of the loan vehicle is charging, the maximum charging SOC limit value of the power battery is dynamically adjusted according to the repayment situation of the loan vehicle, wherein the longer the repayment situation is delayed, the lower the maximum charging SOC limit value is. Figure 1

[0069] When the SOC of the power battery reaches the maximum charging SOC limit value, the power battery is controlled to end charging.

[0070] charging restriction information is synchronized to the cloud.

[0071] ​Those skilled in the art can understand that all or part of the processes in the method for implementing the above embodiments can be completed by instructing the relevant hardware through a computer program. The computer program can be stored in a non-volatile computer readable storage medium, and when executed, can include the processes of the above embodiments of the method. In the embodiments provided in the present application, any reference to memory, storage, database or other medium can include at least one of non-volatile and volatile memory. The non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory or optical memory. The volatile memory can include random access memory (RAM) or external cache memory. As an illustration but not limitation, the RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM).

[0072] The technical features of the above embodiments can be combined in any way. In order to make the description simple, all possible combinations of the technical features of the above embodiments are not described, but as long as the combination of the technical features does not exist, it should be considered as the scope of the present application.

[0073] The above embodiments only express several implementation manners of the present application, and the description is more specific and detailed, but it should not be understood as a limitation on the patent scope of the application. It should be pointed out that for those skilled in the art, without departing from the concept of the present application, a number of modifications and improvements can be made, which are all within the protection scope of the present application. Therefore, the protection scope of the patent of the present application should be subject to the appended claims.

Claims

1. A method for urging repayment of loaned vehicles, characterized in that, include: When the power battery of the loan vehicle is detected to be charging, the maximum charging SOC limit of the power battery is dynamically adjusted according to the repayment status of the loan vehicle. The longer the repayment is delayed, the lower the maximum charging SOC limit is. When the SOC of the power battery reaches the maximum charging SOC limit, the power battery is controlled to stop charging. Send users instructions on charging restrictions and synchronize the charging restriction information to the cloud.

2. The method for supervising loan repayments for vehicles according to claim 1, characterized in that, When it is detected that the power battery of the loan vehicle is charging, the maximum charging SOC limit of the power battery is dynamically adjusted according to the loan repayment status of the vehicle, including: The system receives an instruction from the cloud regarding the maximum SOC limit of the power battery. Specifically, after a user defaults on a loan, the cloud determines the corresponding maximum SOC limit of the power battery based on the user's repayment status and issues the instruction. According to the instruction, when the power battery of the loan vehicle is detected to be charging, the maximum charging SOC limit of the power battery is dynamically adjusted.

3. The method for urging repayment of loaned vehicles according to claim 1, characterized in that, Also includes: Once the loan for the vehicle is fully repaid, the system receives a command from the cloud to release the maximum SOC limit of the power battery, thereby removing the charging restriction on the power battery.

4. The method for urging repayment of loaned vehicles according to claim 1, characterized in that, Sending the charging limitation notice to the user includes: The charging limitation information is displayed on the dashboard or center console screen of the loaned vehicle.

5. The method for supervising loan repayments for vehicles according to claim 4, characterized in that, Also includes: The charging limitation instructions will be sent to the user's terminal device.

6. The method for supervising loan repayments for vehicles according to claim 1, characterized in that, After synchronizing charging limit information to the cloud, the following is also included: The overdue loan notices for the loaned vehicles will be issued by the vehicle manufacturer and the corresponding financial institution.

7. A loan repayment monitoring system for vehicles, characterized in that, include: An adjustment module is used to dynamically adjust the maximum charging SOC limit of the power battery according to the repayment status of the loan vehicle when the power battery of the loan vehicle is detected to be charging. The longer the repayment status is delayed, the lower the maximum charging SOC limit is. The control module is used to control the power battery to stop charging when the SOC of the power battery reaches the maximum charging SOC limit. The communication module is used to send charging restriction instructions to users and synchronize charging restriction information to the cloud.

8. A vehicle, characterized in that, include: The loan repayment supervision system for vehicles as described in claim 7.

9. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that, When the processor executes the program, it implements the loan repayment supervision method for loan vehicles as described in any one of claims 1-6.

10. A computationally readable storage medium, comprising a memory and a computer program stored on the memory and executable on a processor, characterized in that, When the program is executed by the processor, it implements the loan repayment supervision method for loan vehicles according to any one of claims 1-6.

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