Vehicle mortgage data processing method and device based on block chain, and program product

Abstract

The invention provides a block chain-based vehicle mortgage data processing method and device, and a program product. The invention relates to the technical field of blockchains. The method comprises the following steps: on the basis of obtaining vehicle mortgage application information of a mortgage vehicle and generating a target smart contract, creating a vehicle owner information node in a vehicle mortgage block chain; determining a vehicle producer node and a vehicle manager node from the vehicle mortgage block chain to verify the vehicle mortgage application information; determining a vehicle mortgage creditor's right node from the vehicle mortgage block chain on the basis of passing the verification; obtaining a vehicle mortgage original contract from the vehicle mortgage creditor's right node; evaluating the vehicle value of the mortgage vehicle to obtain the current vehicle value; generating vehicle mortgage data according to the vehicle mortgage application information, the current vehicle value and the vehicle mortgage original contract; broadcasting the vehicle mortgage data in the vehicle mortgage block chain; the problem that the vehicle mortgage data has the risk of being tampered due to the related technical scheme is solved.

Description

Technical Field

[0001] This application relates to the field of blockchain technology, and in particular to a blockchain-based method, device, and program product for processing vehicle mortgage data. Background Technology

[0002] With the development of financial markets, vehicles have become a common form of collateral. After a vehicle is used as collateral, it is necessary to monitor the vehicle mortgage data to protect the rights and interests of both the creditor and the debtor.

[0003] In relevant technical solutions, a centralized server and traditional programming language are typically used to build an automated management system to monitor vehicle mortgage data, thereby protecting the rights and interests of both creditors and debtors.

[0004] However, the related technologies have led to the risk of vehicle mortgage data being tampered with. Summary of the Invention

[0005] This application provides a method, device, and program product for processing vehicle mortgage data based on blockchain, in order to solve the problem that vehicle mortgage data is at risk of being tampered with due to related technical solutions.

[0006] In a first aspect, embodiments of this application provide a blockchain-based vehicle mortgage data processing method, comprising: obtaining vehicle mortgage application information of a mortgaged vehicle; writing the vehicle mortgage application information into a smart contract to generate a target smart contract; wherein the smart contract is pre-deployed in a vehicle mortgage blockchain; creating a vehicle owner information node corresponding to the vehicle owner of the mortgaged vehicle in the vehicle mortgage blockchain according to the target smart contract; writing the vehicle mortgage application information into the vehicle owner information node; determining a vehicle manufacturer node and a vehicle management node from the vehicle mortgage blockchain according to the target smart contract; obtaining vehicle configuration registration information and vehicle ownership change registration information according to the vehicle mortgage application information; and verifying the vehicle configuration registration information according to the original vehicle configuration information stored in the vehicle manufacturer node to obtain a first verification result. Based on the vehicle ownership change management information stored in the vehicle management node, the vehicle ownership change registration information is verified to obtain a second verification result. If both the first and second verification results are successful, then according to the target smart contract, the vehicle mortgage creditor node is determined from the vehicle mortgage blockchain. According to the target smart contract, the original vehicle mortgage contract is obtained from the vehicle mortgage creditor node. Based on the target smart contract, the vehicle configuration registration information, and the vehicle ownership change registration information, the vehicle value of the mortgaged vehicle is assessed to obtain the current vehicle value. Based on the vehicle mortgage application information, the current vehicle value, and the original vehicle mortgage contract, vehicle mortgage data is generated. According to the target smart contract, the vehicle mortgage data is broadcast in the vehicle mortgage blockchain.

[0007] In one possible implementation, the step of assessing the value of the mortgaged vehicle based on the target smart contract, the vehicle configuration registration information, and the vehicle ownership change registration information to obtain the current vehicle value includes: determining the vehicle seller node, vehicle insurer node, and traffic management node from the vehicle mortgage blockchain according to the target smart contract; obtaining vehicle maintenance information stored by the vehicle seller node; obtaining vehicle accident claim information stored by the vehicle insurer node; obtaining vehicle accident liability determination information stored by the traffic management node; and generating the current vehicle value based on the vehicle maintenance information, the vehicle accident claim information, the vehicle accident liability determination information, the vehicle configuration registration information, the vehicle ownership change registration information, and the target smart contract.

[0008] In one possible implementation, generating the current vehicle value based on the vehicle maintenance information, vehicle accident claim information, vehicle accident liability determination information, vehicle configuration registration information, vehicle ownership change registration information, and the target smart contract includes: determining a first degree of vehicle damage to the mortgaged vehicle from the vehicle accident claim information; determining a second degree of vehicle damage to the mortgaged vehicle from the vehicle accident liability determination information; determining a vehicle depreciation value based on the first and second degree of vehicle damage; extracting the vehicle maintenance information to obtain vehicle maintenance items and maintenance frequency; performing a weighted calculation on the vehicle maintenance items and maintenance frequency to obtain a vehicle residual value; determining the current market value of the mortgaged vehicle based on the vehicle configuration registration information and the target smart contract; parsing the vehicle ownership change registration information to obtain the number of ownership changes of the mortgaged vehicle; performing a weighted calculation on the current market value and the number of ownership changes to obtain an initial value; and performing a weighted calculation on the vehicle depreciation value, the vehicle residual value, and the initial value to generate the current vehicle value.

[0009] In one possible implementation, determining the current market value of the mortgaged vehicle based on the vehicle configuration registration information and the target smart contract includes: determining the vehicle trading platform node from the vehicle mortgage blockchain according to the target smart contract; determining the original vehicle value of the mortgaged vehicle from the vehicle configuration registration information; the original vehicle value being the price at which the mortgaged vehicle was first sold; acquiring vehicle transaction data stored by the vehicle trading platform node; extracting data from the vehicle transaction data to obtain competitor vehicle transaction prices and similar vehicle transaction prices; calculating the difference between the competitor vehicle transaction price and the original vehicle value to obtain a first transaction price difference; calculating the difference between the similar vehicle transaction price and the original vehicle value to obtain a second transaction price difference; performing a weighted calculation on the first transaction price difference and the second transaction price difference to obtain a first vehicle residual value rate; and calculating the product of the original vehicle value and the first vehicle residual value rate to determine the current market value.

[0010] In one possible implementation, determining the current market value of the mortgaged vehicle based on the vehicle configuration registration information and the target smart contract includes: identifying a network media platform node from the vehicle mortgage blockchain according to the target smart contract; obtaining a second vehicle residual value rate stored by the network media platform node; wherein the second vehicle residual value rate is generated based on user review data, media review data, and market review data stored in the network media platform; determining the original vehicle value of the mortgaged vehicle from the vehicle configuration registration information; and calculating the product of the original vehicle value and the second vehicle residual value rate to determine the current market value.

[0011] In one possible implementation, the process of generating the second vehicle residual value rate includes: obtaining the user evaluation data, the media evaluation data, and the market evaluation data from the online media platform; extracting target evaluation data from the user evaluation data, the media evaluation data, and the market evaluation data; the target evaluation data being the vehicle model evaluation data and the vehicle brand evaluation data corresponding to the mortgaged vehicle; and inputting the target evaluation data into a pre-trained multimodal vehicle value assessment model to generate the second vehicle residual value rate.

[0012] In one possible implementation, the pre-trained multimodal vehicle value assessment model is deployed on a cloud server, and the generation process of the second vehicle residual value is completed on the cloud server; after generating the second vehicle residual value, the method further includes: sending the second vehicle residual value to the target smart contract to store the second vehicle residual value in the network media platform node.

[0013] In one possible implementation, after broadcasting the vehicle mortgage data in the vehicle mortgage blockchain according to the target smart contract, the method further includes: determining a network media platform node from the vehicle mortgage blockchain according to the target smart contract; obtaining a third vehicle residual value rate stored by the network media platform node; wherein the third vehicle residual value rate is generated based on real-time user evaluation data, real-time media evaluation data, and real-time market evaluation data stored in the network media platform; determining the original vehicle value of the mortgaged vehicle from the vehicle configuration registration information; calculating the product of the original vehicle value and the third vehicle residual value rate to determine the real-time market circulation value of the mortgaged vehicle; obtaining the real-time loan balance corresponding to the vehicle mortgage data; calculating the ratio of the real-time market circulation value to the real-time loan balance to obtain a mortgage warning coefficient; determining the relationship between the mortgage warning coefficient and the mortgage warning coefficient threshold; if the mortgage warning coefficient is less than or equal to the mortgage warning coefficient threshold, generating mortgage warning information; the mortgage warning information is used to indicate that the real-time value of the mortgaged vehicle is lower than a preset amount, the preset amount being determined based on the real-time loan balance; and outputting the mortgage warning information.

[0014] In one possible implementation, after broadcasting the vehicle mortgage data in the vehicle mortgage blockchain according to the target smart contract, the method further includes: deducting funds from the vehicle owner's account at preset times according to the target smart contract to update the vehicle mortgage data of the mortgaged vehicle, and broadcasting the updated vehicle mortgage data in the vehicle mortgage blockchain.

[0015] Secondly, embodiments of this application provide a blockchain-based vehicle mortgage data processing device, comprising: an acquisition module for acquiring vehicle mortgage application information of a mortgaged vehicle; and a processing module for writing the vehicle mortgage application information into a smart contract to generate a target smart contract; wherein the smart contract is pre-deployed in a vehicle mortgage blockchain; according to the target smart contract, creating a vehicle owner information node corresponding to the mortgaged vehicle in the vehicle mortgage blockchain; writing the vehicle mortgage application information into the vehicle owner information node; according to the target smart contract, determining a vehicle manufacturer node and a vehicle management node from the vehicle mortgage blockchain; obtaining vehicle configuration registration information and vehicle ownership change registration information based on the vehicle mortgage application information; and verifying the vehicle configuration registration information based on the original vehicle configuration information stored in the vehicle manufacturer node to obtain a first verification result. The verification process involves several steps: First, verifying the vehicle ownership change registration information based on the vehicle ownership change management information stored in the vehicle management node to obtain a second verification result. Second, if both the first and second verification results are valid, then, according to the target smart contract, determine the vehicle mortgage creditor node from the vehicle mortgage blockchain. Third, according to the target smart contract, obtain the original vehicle mortgage contract from the vehicle mortgage creditor node. Fourth, based on the target smart contract, the vehicle configuration registration information, and the vehicle ownership change registration information, assess the vehicle value of the mortgaged vehicle to obtain the current vehicle value. Fifth, based on the vehicle mortgage application information, the current vehicle value, and the original vehicle mortgage contract, generate vehicle mortgage data. Finally, a broadcast module is used to broadcast the vehicle mortgage data in the vehicle mortgage blockchain according to the target smart contract.

[0016] In one possible implementation, when the processing module assesses the value of the mortgaged vehicle based on the target smart contract, the vehicle configuration registration information, and the vehicle ownership change registration information to obtain the current vehicle value, it specifically performs the following steps: Based on the target smart contract, it identifies the vehicle seller node, vehicle insurer node, and traffic management node from the vehicle mortgage blockchain; it obtains vehicle maintenance information stored by the vehicle seller node; it obtains vehicle accident claim information stored by the vehicle insurer node; it obtains vehicle accident liability determination information stored by the traffic management node; and it generates the current vehicle value based on the vehicle maintenance information, the vehicle accident claim information, the vehicle accident liability determination information, the vehicle configuration registration information, the vehicle ownership change registration information, and the target smart contract.

[0017] In one possible implementation, when the processing module generates the current vehicle value based on the vehicle maintenance information, vehicle accident claim information, vehicle accident liability determination information, vehicle configuration registration information, vehicle ownership change registration information, and the target smart contract, it specifically performs the following steps: determining the first degree of vehicle damage to the mortgaged vehicle from the vehicle accident claim information; determining the second degree of vehicle damage to the mortgaged vehicle from the vehicle accident liability determination information; determining the vehicle depreciation value based on the first and second degree of vehicle damage; extracting the vehicle maintenance information to obtain vehicle maintenance items and the number of vehicle maintenance services; performing a weighted calculation on the vehicle maintenance items and the number of vehicle maintenance services to obtain the vehicle's residual value; determining the current market value of the mortgaged vehicle based on the vehicle configuration registration information and the target smart contract; parsing the vehicle ownership change registration information to obtain the number of ownership changes of the mortgaged vehicle; performing a weighted calculation on the current market value and the number of ownership changes to obtain an initial value; and performing a weighted calculation on the vehicle depreciation value, the vehicle residual value, and the initial value to generate the current vehicle value.

[0018] In one possible implementation, when the processing module determines the current market value of the mortgaged vehicle based on the vehicle configuration registration information and the target smart contract, it specifically performs the following steps: Based on the target smart contract, it identifies the vehicle trading platform node from the vehicle mortgage blockchain; it determines the original vehicle value of the mortgaged vehicle from the vehicle configuration registration information; the original vehicle value is the price at which the mortgaged vehicle was first sold; it obtains vehicle transaction data stored by the vehicle trading platform node; it extracts data from the vehicle transaction data to obtain the transaction prices of competing vehicles and similar vehicles; it calculates the difference between the transaction price of competing vehicles and the original vehicle value to obtain a first transaction price difference; it calculates the difference between the transaction price of similar vehicles and the original vehicle value to obtain a second transaction price difference; it performs a weighted calculation on the first transaction price difference and the second transaction price difference to obtain a first vehicle residual value rate; and it calculates the product of the original vehicle value and the first vehicle residual value rate to determine the current market value.

[0019] In one possible implementation, when the processing module determines the current market value of the mortgaged vehicle based on the vehicle configuration registration information and the target smart contract, it specifically performs the following steps: Based on the target smart contract, it identifies the network media platform node from the vehicle mortgage blockchain; obtains the second vehicle residual value stored by the network media platform node; wherein the second vehicle residual value is generated based on user review data, media review data, and market review data stored in the network media platform; determines the original vehicle value of the mortgaged vehicle from the vehicle configuration registration information; and calculates the product of the original vehicle value and the second vehicle residual value to determine the current market value.

[0020] In one possible implementation, the processing module, during the generation of the second vehicle residual value rate, is specifically used to: obtain the user evaluation data, the media evaluation data, and the market evaluation data from the online media platform; extract target evaluation data from the user evaluation data, the media evaluation data, and the market evaluation data; the target evaluation data is the vehicle model evaluation data and the vehicle brand evaluation data corresponding to the mortgaged vehicle; and input the target evaluation data into a pre-trained multimodal vehicle value assessment model to generate the second vehicle residual value rate.

[0021] In one possible implementation, the pre-trained multimodal vehicle value assessment model is deployed on a cloud server, and the generation process of the second vehicle residual value is completed on the cloud server; after generating the second vehicle residual value, the processing module is further configured to: send the second vehicle residual value to the target smart contract to store the second vehicle residual value in the network media platform node.

[0022] In one possible implementation, after broadcasting the vehicle mortgage data in the vehicle mortgage blockchain according to the target smart contract, the blockchain-based vehicle mortgage data processing device is further configured to: determine the network media platform node from the vehicle mortgage blockchain according to the target smart contract; obtain the third vehicle residual value rate stored by the network media platform node; wherein the third vehicle residual value rate is generated based on real-time user evaluation data, real-time media evaluation data, and real-time market evaluation data stored in the network media platform; determine the original vehicle value of the mortgaged vehicle from the vehicle configuration registration information; calculate the product of the original vehicle value and the third vehicle residual value rate to determine the real-time market circulation value of the mortgaged vehicle; obtain the real-time loan balance corresponding to the vehicle mortgage data; calculate the ratio of the real-time market circulation value to the real-time loan balance to obtain a mortgage warning coefficient; determine the relationship between the mortgage warning coefficient and the mortgage warning coefficient threshold; if the mortgage warning coefficient is less than or equal to the mortgage warning coefficient threshold, generate mortgage warning information; the mortgage warning information is used to indicate that the real-time value of the mortgaged vehicle is lower than a preset amount, the preset amount being determined based on the real-time loan balance; and output the mortgage warning information.

[0023] In one possible implementation, after broadcasting the vehicle mortgage data in the vehicle mortgage blockchain according to the target smart contract, the blockchain-based vehicle mortgage data processing device is further configured to: deduct funds from the vehicle owner's account at preset times according to the target smart contract to update the vehicle mortgage data of the mortgaged vehicle, and broadcast the updated vehicle mortgage data in the vehicle mortgage blockchain.

[0024] Thirdly, embodiments of this application provide an electronic device, including: a memory and a processor;

[0025] The memory stores computer-executed instructions;

[0026] The processor executes computer execution instructions stored in the memory, causing the processor to perform the first aspect and / or various possible implementations of the first aspect as described above.

[0027] Fourthly, embodiments of this application provide a computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, are used to implement the first aspect and / or various possible implementations of the first aspect.

[0028] Fifthly, embodiments of this application provide a computer program product, including a computer program that, when executed by a processor, implements the first aspect and / or various possible implementations of the first aspect.

[0029] The vehicle mortgage data processing method, device, and program product based on blockchain provided in this application embodiment, after obtaining the vehicle mortgage application information of the mortgaged vehicle and writing the vehicle mortgage application information into a smart contract to generate a target smart contract, creates a vehicle owner information node corresponding to the mortgaged vehicle in the vehicle mortgage blockchain through the target smart contract; writes the vehicle mortgage application information into the vehicle owner information node; determines the vehicle manufacturer node and the vehicle management node from the vehicle mortgage blockchain according to the target smart contract; obtains vehicle configuration registration information and vehicle ownership change registration information based on the vehicle mortgage application information; then, verifies the vehicle configuration registration information through the original vehicle configuration information stored in the vehicle manufacturer node to obtain a first verification result; verifies the vehicle ownership change registration information through the vehicle ownership change management information stored in the vehicle management node to obtain a second verification result; and then, in the first verification... Based on the first verification result being passed and the second verification result being passed, the following steps are taken: First, the vehicle mortgage creditor node is determined from the vehicle mortgage blockchain according to the target smart contract. Then, the original vehicle mortgage contract is obtained from the vehicle mortgage creditor node according to the target smart contract. Next, the vehicle value of the mortgaged vehicle is assessed based on the target smart contract, vehicle configuration registration information, and vehicle ownership change registration information to obtain the current vehicle value. Finally, vehicle mortgage data is generated based on the vehicle mortgage application information, the current vehicle value, and the original vehicle mortgage contract. Then, the vehicle mortgage data is broadcast on the vehicle mortgage blockchain according to the target smart contract. By verifying the vehicle mortgage application information based on blockchain distributed nodes and the target smart contract, and generating vehicle mortgage data upon successful verification, and then broadcasting the vehicle mortgage data on the vehicle mortgage blockchain, the risk of vehicle mortgage data being tampered with due to related technical solutions is resolved. Attached Figure Description

[0030] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this application and, together with the description, serve to explain the principles of this application.

[0031] Figure 1 A flowchart illustrating the blockchain-based vehicle mortgage data processing method provided in this application. Figure 1 ;

[0032] Figure 2 A flowchart illustrating the blockchain-based vehicle mortgage data processing method provided in this application. Figure 2 ;

[0033] Figure 3 A schematic diagram of the structure of the blockchain-based vehicle mortgage data processing device provided in this application;

[0034] Figure 4 A schematic diagram of the structure of the electronic device provided in this application.

[0035] The accompanying drawings illustrate specific embodiments of this application, which will be described in more detail below. These drawings and descriptions are not intended to limit the scope of the concept in any way, but rather to illustrate the concept of this application to those skilled in the art through reference to particular embodiments. Detailed Implementation

[0036] Exemplary embodiments will now be described in detail, examples of which are illustrated in the accompanying drawings. When the following description relates to the drawings, unless otherwise indicated, the same numbers in different drawings denote the same or similar elements. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this application. Rather, they are merely examples of apparatuses and methods consistent with some aspects of this application as detailed in the appended claims.

[0037] In the technical solution of this application, the collection, storage, use, processing, transmission, provision and disclosure of financial data or user data and other information are all authorized by the user or fully authorized by all parties, and corresponding operation entry points are provided for the user to choose to authorize or refuse. All of these comply with the provisions of relevant laws and regulations and do not violate public order and good morals.

[0038] It should be noted that in the embodiments of this application, certain software, components, models and other existing solutions in the industry may be mentioned. These should be regarded as exemplary and are only intended to illustrate the feasibility of implementing the technical solution of this application. However, it does not mean that the applicant has used or necessarily used the solution.

[0039] With the development of financial markets, vehicles have become a common form of collateral. After a vehicle is used as collateral, it is necessary to monitor the vehicle mortgage data to protect the rights of both creditors and debtors. Relevant technical solutions typically rely on centralized servers and automated management systems built using traditional programming languages ​​to monitor vehicle mortgage data and thus safeguard the rights of both parties. However, these technical solutions introduce the risk of vehicle mortgage data being tampered with.

[0040] The blockchain-based vehicle mortgage data processing method provided in this application, after obtaining the vehicle mortgage application information of the mortgaged vehicle and writing the vehicle mortgage application information into a smart contract to generate a target smart contract, creates a vehicle owner information node corresponding to the mortgaged vehicle in the vehicle mortgage blockchain through the target smart contract; writes the vehicle mortgage application information into the vehicle owner information node; determines the vehicle manufacturer node and the vehicle management node from the vehicle mortgage blockchain according to the target smart contract; obtains vehicle configuration registration information and vehicle ownership change registration information based on the vehicle mortgage application information; then, verifies the vehicle configuration registration information through the original vehicle configuration information stored in the vehicle manufacturer node to obtain a first verification result; verifies the vehicle ownership change registration information through the vehicle ownership change management information stored in the vehicle management node to obtain a second verification result; and finally, based on the first verification result, verifies the vehicle ownership change registration information. Based on the successful verification of the first verification and the second verification result being successful, the following steps are taken: First, the vehicle mortgage creditor node is determined from the vehicle mortgage blockchain according to the target smart contract. Then, the original vehicle mortgage contract is obtained from the vehicle mortgage creditor node according to the target smart contract. Next, the vehicle value of the mortgaged vehicle is assessed based on the target smart contract, vehicle configuration registration information, and vehicle ownership change registration information to obtain the current vehicle value. Finally, vehicle mortgage data is generated based on the vehicle mortgage application information, the current vehicle value, and the original vehicle mortgage contract. Finally, the vehicle mortgage data is broadcast on the vehicle mortgage blockchain according to the target smart contract. By verifying the vehicle mortgage application information based on the distributed nodes of the blockchain and the target smart contract, and generating vehicle mortgage data upon successful verification, and then broadcasting the vehicle mortgage data on the vehicle mortgage blockchain, the risk of vehicle mortgage data being tampered with due to related technical solutions is resolved.

[0041] The technical solution of this application and how the technical solution of this application solves the above-mentioned technical problems are described in detail below with specific embodiments. These specific embodiments can be combined with each other, and the same or similar concepts or processes may not be described again in some embodiments. The embodiments of this application will now be described with reference to the accompanying drawings.

[0042] Figure 1 A flowchart illustrating the blockchain-based vehicle mortgage data processing method provided in this application. Figure 1 ,like Figure 1 As shown, the executing entity of the blockchain-based vehicle mortgage data processing method provided in this embodiment can be any form of electronic device. The blockchain-based vehicle mortgage data processing method provided in this embodiment includes the following steps:

[0043] Step S101: Obtain vehicle mortgage application information for the mortgaged vehicle.

[0044] For example, the vehicle mortgage application information consists of the personal information and vehicle information of the vehicle owner when mortgaging the vehicle, filled in through computer equipment or terminal equipment.

[0045] Step S102: Write the vehicle mortgage application information into the smart contract to generate the target smart contract; wherein, the smart contract is pre-deployed in the vehicle mortgage blockchain.

[0046] For example, smart contracts are deployed in the vehicle mortgage blockchain; these smart contracts include loan disbursement, regular repayment, early warning management, and default handling. Upon receiving vehicle mortgage application information, the information is parsed, and then written into the smart contract to obtain the target smart contract corresponding to the mortgaged vehicle.

[0047] Step S103: Based on the target smart contract, create a vehicle owner information node in the vehicle mortgage blockchain corresponding to the mortgaged vehicle.

[0048] Step S104: Write the vehicle mortgage application information into the vehicle owner information node.

[0049] For example, after generating the target smart contract, a vehicle owner information node can be created in the vehicle mortgage blockchain based on the target smart contract, and the vehicle mortgage application information can be written into the vehicle owner information node to ensure the immutability of the vehicle mortgage application information.

[0050] Step S105: Based on the target smart contract, determine the vehicle manufacturer node and the vehicle manager node from the vehicle collateral blockchain.

[0051] For example, the vehicle mortgage blockchain includes multiple vehicle manufacturer nodes and multiple vehicle management nodes; the vehicle manufacturer nodes correspond to the companies that manufacture the vehicles and are determined based on the vehicle brand; the vehicle management nodes correspond to the vehicle regulatory authorities and are determined based on one or more vehicle brand groups. For example, the vehicle regulatory authorities have three vehicle management nodes: the first vehicle management node corresponds to vehicle brand A, vehicle brand B, and vehicle brand C; the second vehicle management node corresponds to vehicle brand D; and the third vehicle management node corresponds to vehicle brand E and vehicle brand F.

[0052] For example, the target smart contract includes vehicle information, which includes the vehicle brand information, vehicle model information, vehicle identification number (VIN), and vehicle mileage of the mortgaged vehicle. Then, based on the vehicle brand information, the company that manufactures the vehicle is determined, and the corresponding vehicle manufacturer node and the corresponding vehicle manager node are determined from the vehicle mortgage blockchain. For example, if the vehicle brand indicated by the vehicle brand information is vehicle brand D, then the vehicle manager node is the second vehicle manager node.

[0053] Step S106: Based on the vehicle mortgage application information, obtain the vehicle configuration registration information and the vehicle ownership change registration information.

[0054] For example, vehicle mortgage application information is classified and parsed to obtain vehicle configuration registration information and vehicle ownership change registration information; wherein, vehicle configuration registration information is used to indicate the vehicle configuration data of the mortgaged vehicle registered by the vehicle owner, such as the engine parameters, transmission type, safety configuration data, exterior size data and driving assistance functions of the mortgaged vehicle; vehicle ownership change registration information is used to indicate the number of ownership changes of the mortgaged vehicle registered by the vehicle owner.

[0055] Step S107: Verify the vehicle configuration registration information based on the original vehicle configuration information stored in the vehicle manufacturer node to obtain the first verification result.

[0056] For example, the original vehicle configuration information is used to indicate the vehicle configuration data of the mortgaged vehicle registered by the enterprise that manufactures the vehicle when it produces the mortgaged vehicle. Then, the vehicle configuration registration information registered by the vehicle owner is verified based on the original vehicle configuration information to ensure the consistency and reliability of the vehicle configuration data and reduce the mortgage risk. Then, a first verification result is obtained. If the verification passes, it indicates that the vehicle configuration registration information registered by the vehicle owner is consistent with the original vehicle configuration information stored by the vehicle manufacturer node, and the subsequent steps of this application embodiment can be executed. If the verification fails, it indicates that the vehicle configuration registration information registered by the vehicle owner is inconsistent with the original vehicle configuration information stored by the vehicle manufacturer node. Then, the first verification result is sent to the vehicle owner's computer device or terminal device to indicate that the vehicle configuration registration information verification failed, and then prompt the vehicle owner to re-enter the vehicle mortgage application information.

[0057] Step S108: Verify the vehicle ownership change registration information based on the vehicle ownership change management information stored in the vehicle management node to obtain the second verification result.

[0058] For example, vehicle ownership change management information is used to indicate the number of ownership changes of mortgaged vehicles registered by the vehicle supervision and management agency. This information is then used to verify the vehicle ownership change registration information registered by the vehicle owner, ensuring the accuracy of the number of ownership changes and reducing mortgage risk. A second verification result is then obtained. If the verification passes, it indicates that the vehicle ownership change registration information registered by the vehicle owner is consistent with the vehicle ownership change management information stored by the vehicle management node, and the subsequent steps of this application embodiment can be executed. If the verification fails, it indicates that the vehicle ownership change registration information registered by the vehicle owner is inconsistent with the vehicle ownership change management information stored by the vehicle management node. In this case, the second verification result is sent to the vehicle owner's computer or terminal device to indicate that the vehicle ownership change registration information verification failed, thus prompting the vehicle owner to re-enter the vehicle mortgage application information.

[0059] Step S109: If the first verification result is successful and the second verification result is successful, then determine the vehicle mortgage creditor node from the vehicle mortgage blockchain according to the target smart contract.

[0060] For example, subsequent steps can only be executed on the basis that the first verification result is successful and the second verification result is successful. That is, according to the target smart contract, the vehicle mortgage creditor node is determined from the vehicle mortgage blockchain. The vehicle mortgage creditor node is used to instruct the financial mortgage institution, which is used to mortgage the vehicle based on the verified vehicle configuration registration information and vehicle ownership change registration information, and issue the corresponding loan to the vehicle owner.

[0061] In another possible implementation, the specific steps of step S109 include:

[0062] In step S109a, if the first verification result is successful and the second verification result is successful, then the credit supervision node is determined from the vehicle mortgage blockchain according to the target smart contract.

[0063] Step S109b: Obtain the vehicle owner's credit information stored in the credit supervision node.

[0064] Step S109c: Determine whether the vehicle owner's credit data meets the conditions for vehicle mortgage.

[0065] In step S109d, if the vehicle owner's credit data meets the vehicle mortgage conditions, the vehicle mortgage creditor node is determined from the vehicle mortgage blockchain according to the target smart contract.

[0066] For example, based on the first verification result being successful and the second verification result being successful, the vehicle owner's credit data is further obtained from the vehicle mortgage blockchain, and the obtained vehicle owner's credit data is verified to reduce mortgage risk; then, based on the vehicle owner's credit data meeting the vehicle mortgage conditions, the vehicle mortgage creditor node is determined from the vehicle mortgage blockchain, that is, the financial mortgage institution used to issue the corresponding loan to the vehicle owner is determined.

[0067] Step S110: Obtain the original vehicle mortgage contract from the vehicle mortgage creditor node according to the target smart contract.

[0068] For example, the original vehicle mortgage contract is a blank contract, which includes pre-set standard terms, contract content, and vehicle mortgage information to be filled in.

[0069] Step S111: Based on the target smart contract, vehicle configuration registration information, and vehicle ownership change registration information, assess the value of the mortgaged vehicle to obtain the current vehicle value.

[0070] For example, the vehicle configuration registration information includes the vehicle mileage; the vehicle mileage is input into a pre-trained vehicle depreciation assessment model, and the vehicle depreciation coefficient is output; then, based on the vehicle depreciation coefficient and the number of ownership changes of the mortgaged vehicle corresponding to the vehicle ownership change registration information, the vehicle value of the mortgaged vehicle is assessed, and the current vehicle value is obtained.

[0071] Step S112: Generate vehicle mortgage data based on the vehicle mortgage application information, the current vehicle value, and the original vehicle mortgage contract.

[0072] For example, based on the vehicle mortgage application information and the current vehicle value, the vehicle mortgage information to be filled in in the original vehicle mortgage contract is filled in to generate a completed vehicle mortgage contract; then, based on the completed vehicle mortgage contract, vehicle mortgage data is generated.

[0073] Step S113: Broadcast the vehicle mortgage data in the vehicle mortgage blockchain according to the target smart contract.

[0074] For example, vehicle mortgage data is broadcast in the vehicle mortgage blockchain to ensure the immutability of the vehicle mortgage data.

[0075] Based on the implementation methods shown in the above embodiments, after broadcasting the vehicle mortgage data in the vehicle mortgage blockchain according to the target smart contract, the method provided in this application embodiment further includes: deducting funds from the vehicle owner's account according to the target smart contract at a preset time to update the vehicle mortgage data of the mortgaged vehicle, and broadcasting the updated vehicle mortgage data in the vehicle mortgage blockchain.

[0076] For example, after the mortgaged vehicle is mortgaged and the loan is issued to the vehicle owner, the loan is deducted from the vehicle owner's account according to the regular repayment schedule agreed in the target smart contract, i.e., according to the preset time, to make timely repayments; then, the vehicle mortgage data of the mortgaged vehicle is updated, i.e., the outstanding loan balance is updated, and the updated vehicle mortgage data is broadcast in the vehicle mortgage blockchain; thus ensuring that the rights and interests of both the vehicle owner and the financial mortgage institution are not harmed.

[0077] Furthermore, after the vehicle owner has repaid the loan, i.e. when the outstanding balance is 0, the vehicle mortgage status is released based on the target smart contract, and the information is broadcast in the vehicle mortgage blockchain to inform that the loan has been settled.

[0078] Based on the implementation methods shown in the above embodiments, after broadcasting the vehicle mortgage data in the vehicle mortgage blockchain according to the target smart contract, the method provided in this application embodiment further includes:

[0079] Step A: Based on the target smart contract, identify the network media platform node from the vehicle mortgage blockchain.

[0080] For example, after the mortgaged vehicle is mortgaged and the loan is issued to the vehicle owner, the network media platform node can be determined from the vehicle mortgage blockchain according to the target smart contract.

[0081] Step B: Obtain the residual value rate of third-party vehicles stored in the network media platform's node; wherein, the residual value rate of third-party vehicles is generated based on real-time user evaluation data, real-time media evaluation data, and real-time market evaluation data stored in the network media platform.

[0082] For example, the process of generating the residual value of a third vehicle includes: acquiring real-time user review data, real-time media review data, and real-time market review data from an online media platform based on a preset time interval; extracting real-time target review data from the real-time user review data, real-time media review data, and real-time market review data; the real-time target review data is the real-time review data of the vehicle model and the real-time review data of the vehicle brand corresponding to the mortgaged vehicle; and inputting the real-time target review data into a pre-trained multimodal vehicle valuation model to generate the residual value of the third vehicle.

[0083] The pre-trained multimodal vehicle valuation model includes a pre-trained sentiment analysis model, a pre-trained topic analysis model, and a pre-trained vehicle residual value generation model. The data processing of the pre-trained multimodal vehicle valuation model includes: extracting keywords from real-time target evaluation data to obtain one or more evaluation keywords; inputting one or more evaluation keywords into the pre-trained sentiment analysis model to generate sentiment feature vectors, which include positive and negative sentiment feature vectors; inputting one or more evaluation keywords into the pre-trained topic analysis model to generate topic feature vectors, which include vehicle brand topic feature vectors, used market price topic feature vectors, and safety accident topic feature vectors; and then inputting the sentiment feature vectors and topic feature vectors into the pre-trained vehicle residual value generation model to generate a third vehicle residual value.

[0084] The real-time target evaluation data is preprocessed data. The data preprocessing process includes data cleaning and data format conversion. Data cleaning includes missing value prediction and imputation, outlier detection and deletion, and duplicate value deletion.

[0085] Furthermore, in one possible implementation, the pre-trained multimodal vehicle valuation model is deployed on a cloud server, meaning the generation of the third vehicle residual value is completed on the cloud server. Then, after generating the third vehicle residual value, it is sent to the target smart contract in the vehicle mortgage blockchain, so that the target smart contract, based on preset operating logic, stores the third vehicle residual value to the network media platform node. In this embodiment, by generating the third vehicle residual value on a cloud server, the load on the data processing process in the vehicle mortgage blockchain is reduced, and data processing efficiency is improved.

[0086] In this embodiment, by acquiring real-time user evaluation data, real-time media evaluation data, and real-time market evaluation data, the value of the mortgaged vehicle is periodically assessed by calculating the residual value rate of the third vehicle. Then, based on the residual value rate of the third vehicle, subsequent steps C to J are executed to determine whether mortgage warning information needs to be generated and output.

[0087] Step C: Determine the original vehicle value of the mortgaged vehicle from the vehicle configuration registration information.

[0088] Step D: Calculate the product of the original vehicle value and the residual value of the third vehicle to determine the real-time market value of the mortgaged vehicle.

[0089] Step E: Obtain the real-time loan balance corresponding to the vehicle mortgage data.

[0090] Step F: Calculate the ratio of real-time market circulation value to real-time loan balance to obtain the mortgage early warning coefficient.

[0091] Step G: Determine the relationship between the mortgage early warning coefficient and the mortgage early warning coefficient threshold.

[0092] Step H: If the mortgage warning coefficient is less than or equal to the mortgage warning coefficient threshold, a mortgage warning information is generated. The mortgage warning information is used to indicate that the real-time value of the mortgaged vehicle is lower than the preset limit value, which is determined based on the real-time loan balance.

[0093] For example, the mortgage warning coefficient is used to indicate the mortgage risk of a mortgaged vehicle; for instance, if the real-time market value is less than the real-time loan balance, it indicates that the value of the mortgaged vehicle is low, and the risk of the vehicle owner defaulting on the loan is increased, i.e., the mortgage risk is increased. Furthermore, based on the mortgage warning coefficient obtained by calculating the ratio of the real-time market value to the real-time loan balance, the relationship between the mortgage warning coefficient and the mortgage warning coefficient threshold is determined. If the mortgage warning coefficient is less than or equal to the mortgage warning coefficient threshold, a mortgage warning message is generated.

[0094] Step 1: Output mortgage warning information.

[0095] For example, mortgage warning information can be sent to the computer equipment of a financial mortgage institution to alert its staff to the mortgage risk of the mortgaged vehicle, or to further prompt the staff to notify the vehicle owner to provide additional collateral.

[0096] Step J: If the mortgage warning coefficient is greater than the mortgage warning coefficient threshold, then no mortgage warning information will be generated.

[0097] The vehicle mortgage data processing method based on blockchain provided in this application embodiment, after obtaining the vehicle mortgage application information of the mortgaged vehicle and writing the vehicle mortgage application information into a smart contract to generate a target smart contract, creates a vehicle owner information node corresponding to the vehicle owner in the vehicle mortgage blockchain through the target smart contract; writes the vehicle mortgage application information into the vehicle owner information node; determines the vehicle manufacturer node and the vehicle management node from the vehicle mortgage blockchain according to the target smart contract; obtains vehicle configuration registration information and vehicle ownership change registration information based on the vehicle mortgage application information; then, verifies the vehicle configuration registration information through the original vehicle configuration information stored in the vehicle manufacturer node to obtain a first verification result; verifies the vehicle ownership change registration information through the vehicle ownership change management information stored in the vehicle management node to obtain a second verification result; and then, based on the first verification result... Based on successful verification and a second successful verification result, the following steps are taken: First, the vehicle mortgage creditor node is identified from the vehicle mortgage blockchain according to the target smart contract. Then, the original vehicle mortgage contract is obtained from the vehicle mortgage creditor node according to the target smart contract. Next, the vehicle value of the mortgaged vehicle is assessed based on the target smart contract, vehicle configuration registration information, and vehicle ownership change registration information to obtain the current vehicle value. Finally, vehicle mortgage data is generated based on the vehicle mortgage application information, the current vehicle value, and the original vehicle mortgage contract. Finally, the vehicle mortgage data is broadcast on the vehicle mortgage blockchain according to the target smart contract. By verifying the vehicle mortgage application information based on blockchain distributed nodes and the target smart contract, and generating vehicle mortgage data upon successful verification, and then broadcasting the vehicle mortgage data on the vehicle mortgage blockchain, the risk of vehicle mortgage data being tampered with due to related technical solutions is resolved.

[0098] Figure 2 A flowchart illustrating the blockchain-based vehicle mortgage data processing method provided in this application. Figure 2 ,like Figure 2 As shown, the blockchain-based vehicle mortgage data processing method provided in this embodiment, in Figure 1 Based on the blockchain-based vehicle mortgage data processing method provided in the illustrated embodiment, step S111 is further refined. Therefore, the blockchain-based vehicle mortgage data processing method provided in this embodiment includes the following steps:

[0099] Step S201: Obtain vehicle mortgage application information for the mortgaged vehicle.

[0100] Step S202: Write the vehicle mortgage application information into the smart contract to generate the target smart contract; wherein, the smart contract is pre-deployed in the vehicle mortgage blockchain.

[0101] Step S203: Based on the target smart contract, create a vehicle owner information node in the vehicle mortgage blockchain corresponding to the mortgaged vehicle.

[0102] Step S204: Write the vehicle mortgage application information into the vehicle owner information node.

[0103] Step S205: Based on the target smart contract, determine the vehicle manufacturer node and the vehicle manager node from the vehicle collateral blockchain.

[0104] Step S206: Based on the vehicle mortgage application information, obtain the vehicle configuration registration information and the vehicle ownership change registration information.

[0105] Step S207: Verify the vehicle configuration registration information based on the original vehicle configuration information stored in the vehicle manufacturer node to obtain the first verification result.

[0106] Step S208: Verify the vehicle ownership change registration information based on the vehicle ownership change management information stored in the vehicle management node to obtain the second verification result.

[0107] Step S209: If the first verification result is successful and the second verification result is successful, then determine the vehicle mortgage creditor node from the vehicle mortgage blockchain according to the target smart contract.

[0108] Step S210: Obtain the original vehicle mortgage contract from the vehicle mortgage creditor node according to the target smart contract.

[0109] Step S211: Based on the target smart contract, determine the vehicle seller node, vehicle insurer node, and traffic management node from the vehicle mortgage blockchain.

[0110] Step S212: Obtain vehicle maintenance information stored at the vehicle dealer node; obtain vehicle accident claim information stored at the vehicle insurer node; obtain vehicle accident liability determination information stored at the traffic management node.

[0111] For example, based on the first verification result being successful and the second verification result being successful, subsequent steps can be executed based on the target smart contract, namely, determining the vehicle seller node, vehicle insurance party node, and traffic management party node from the vehicle mortgage blockchain, and then obtaining vehicle maintenance information, vehicle accident claim information, and vehicle accident liability determination information; wherein, the traffic management party node corresponds to the traffic police department; and the vehicle insurance party node corresponds to the insurance company.

[0112] Step S213: Generate the current vehicle value based on vehicle maintenance information, vehicle accident claim information, vehicle accident liability determination information, vehicle configuration registration information, vehicle ownership change registration information, and the target smart contract.

[0113] Specifically, the specific implementation steps of step S213 include:

[0114] Step S213a: Determine the extent of damage to the first vehicle from the vehicle accident claim information.

[0115] Step S213b: Determine the extent of damage to the second vehicle from the vehicle accident liability information.

[0116] Step S213c: Determine the vehicle depreciation value based on the degree of damage to the first vehicle and the degree of damage to the second vehicle.

[0117] For example, when a mortgaged vehicle is involved in an accident, it may not be necessary for the traffic police department to issue an accident liability determination letter; only the insurance company needs to make a claim. Therefore, the vehicle accident claim information includes all accident records and the corresponding first vehicle damage level. The vehicle accident liability determination information includes accident records that require the intervention of the traffic police department and the corresponding second vehicle damage level.

[0118] Furthermore, for the same accident record, if there is a second vehicle damage level, the vehicle depreciation value is determined based on the second vehicle damage level; if there is no second vehicle damage level, the vehicle depreciation value is determined based on the first vehicle damage level.

[0119] Step S213d: Extract vehicle maintenance information to obtain vehicle maintenance items and the number of vehicle maintenance sessions.

[0120] Step S213e: Perform a weighted calculation on the vehicle maintenance items and the number of vehicle maintenance operations to obtain the vehicle's residual value.

[0121] It is understandable that maintaining and servicing a mortgaged vehicle can slow down its depreciation. Different maintenance and servicing items have different effects on slowing down the depreciation of a mortgaged vehicle. Therefore, by weighting the maintenance and servicing items and the number of maintenance and servicing sessions, the vehicle's residual value can be obtained. This application does not impose specific restrictions on the calculation method for the weighted calculation to obtain the vehicle's residual value.

[0122] Step S213f: Determine the current market value of the mortgaged vehicle based on the vehicle configuration registration information and the target smart contract.

[0123] In one possible implementation, the specific steps of step S213f include:

[0124] Step f1: Based on the target smart contract, identify the vehicle trading platform node from the vehicle mortgage blockchain.

[0125] For example, the vehicle trading platform node corresponds to a used car trading platform and / or a vehicle auction platform.

[0126] Step f2: Determine the original vehicle value of the mortgaged vehicle from the vehicle configuration registration information; the original vehicle value is the price at which the mortgaged vehicle was first sold.

[0127] Step f3: Obtain vehicle transaction data stored in the vehicle trading platform's node.

[0128] Step f4: Extract vehicle transaction data to obtain the transaction prices of competing vehicles and similar vehicles.

[0129] For example, the transaction price of a competing vehicle is the transaction price of a competing vehicle of a different brand but in the same price range and / or with similar vehicle configuration to the mortgaged vehicle; the transaction price of a comparable vehicle is the transaction price of a comparable vehicle of the same brand but in the same price range and / or with similar vehicle configuration to the mortgaged vehicle.

[0130] Step f5: Calculate the difference between the transaction price of the competing vehicle and the original vehicle value to obtain the first transaction price difference.

[0131] Step f6: Calculate the difference between the transaction price of the same type of vehicle and the original value of the vehicle to obtain the second transaction price difference.

[0132] Step f7: Perform a weighted calculation on the first transaction price difference and the second transaction price difference to obtain the first vehicle residual value rate.

[0133] For example, the average price of the same type of vehicle and competing vehicle corresponding to the mortgaged vehicle when they were first sold is obtained. The first transaction price difference and the second transaction price difference are weighted and calculated to obtain the first vehicle's residual value rate, and the calculation formula is shown in Equation (1).

[0134] (1)

[0135] in, The first vehicle's residual value; The first transaction price difference; The second transaction price difference; The average price; This is the weighting factor for the first transaction price difference; This is the weighting factor for the second transaction price difference.

[0136] It is understood that the embodiments of this application do not impose specific restrictions on the calculation method for weighted calculation to obtain the residual value of the first vehicle.

[0137] Step f8: Calculate the product of the original vehicle value and the first vehicle's residual value to determine the current market value.

[0138] In this embodiment, based on obtaining the transaction prices of competing vehicles and similar vehicles, the difference between the transaction price of competing vehicles and the original vehicle value is calculated, and the difference between the transaction price of similar vehicles and the original vehicle value is also calculated to determine the residual value of the mortgaged vehicle. Then, combined with the original vehicle value, the current market value of the mortgaged vehicle can be obtained. This avoids subjective human intervention when assessing and determining the current market value of the mortgaged vehicle, ensuring the reliability of the current market value.

[0139] In another possible implementation, the specific implementation steps of step S213f include:

[0140] Step F1: Based on the target smart contract, identify the network media platform node from the vehicle mortgage blockchain.

[0141] Step F2: Obtain the second vehicle residual value stored in the network media platform node; wherein, the second vehicle residual value is generated based on user evaluation data, media evaluation data and market evaluation data stored in the network media platform.

[0142] Step F3: Determine the original vehicle value of the mortgaged vehicle from the vehicle configuration registration information.

[0143] Step F4: Calculate the product of the original vehicle value and the second vehicle's residual value to determine its current market value.

[0144] In this embodiment, the process of generating the second vehicle residual value rate is the same as that of generating the third vehicle residual value rate in the aforementioned embodiment. Specifically, user evaluation data, media evaluation data, and market evaluation data are obtained from online media platforms. Target evaluation data is extracted from the user evaluation data, media evaluation data, and market evaluation data. The target evaluation data consists of vehicle model evaluation data and vehicle brand evaluation data corresponding to the mortgaged vehicle. The target evaluation data is then input into a pre-trained multimodal vehicle value assessment model to generate the second vehicle residual value rate.

[0145] The target evaluation data is preprocessed data. The data preprocessing process includes data cleaning and data format conversion. Data cleaning includes missing value prediction and imputation, outlier detection and deletion, and duplicate value deletion.

[0146] The data processing procedure for the pre-trained multimodal vehicle value assessment model for target evaluation data is the same as the data processing procedure for the pre-trained multimodal vehicle value assessment model for real-time target evaluation data, and will not be described again here.

[0147] Furthermore, in one possible implementation, the pre-trained multimodal vehicle valuation model is deployed on a cloud server, meaning the generation of the second vehicle residual value is completed on the cloud server. Then, after generating the second vehicle residual value, it is sent to the target smart contract in the vehicle collateral blockchain, so that the target smart contract, based on preset operating logic, stores the second vehicle residual value on the network media platform's node. In this embodiment, by generating the second vehicle residual value on a cloud server, the load on the vehicle collateral blockchain is reduced, and data processing efficiency is improved.

[0148] In this embodiment, the second vehicle residual value rate is generated during the mortgage process of the mortgaged vehicle. The second vehicle residual value rate is used to generate the current market value of the mortgaged vehicle based on user evaluation data, media evaluation data, and market evaluation data. This avoids subjective human intervention when generating the current market value data of the mortgaged vehicle, thus ensuring the reliability of the current market value.

[0149] Step S213g: Parse the vehicle ownership change registration information to obtain the number of ownership changes of the mortgaged vehicle.

[0150] Step S213h involves weighting the current market value and the number of ownership changes to obtain the initial value.

[0151] For example, the more times the ownership changes, the greater the depreciation of the mortgaged vehicle; therefore, the initial value is calculated by weighting the current market value and the number of ownership changes, as shown in formula (2).

[0152] (2)

[0153] in, This is the initial value. Its current market value; Number of ownership changes; The weighting factor for the number of ownership changes is, in one possible manner, a preset value input by the staff of the financial mortgage institution via a terminal device.

[0154] It is understood that the embodiments of this application do not impose specific restrictions on the calculation method for weighted calculation to obtain the residual value of the first vehicle.

[0155] Step S213i: The vehicle depreciation value, vehicle retention value, and initial value are weighted and calculated to generate the current vehicle value.

[0156] For example, the current vehicle value is calculated by weighting the vehicle depreciation value, the vehicle retention value and the initial value, as shown in the formula (3).

[0157] (3)

[0158] in, The current value of the vehicle; This is the initial value. Value for vehicle retention; This represents the vehicle's depreciation value. Weighting factor for the vehicle's residual value; This is a weighting factor for the vehicle's depreciation value.

[0159] It is understood that the embodiments of this application do not impose specific restrictions on the calculation method for weighted calculation to obtain the residual value of the first vehicle.

[0160] Step S214: Generate vehicle mortgage data based on the vehicle mortgage application information, the current vehicle value, and the original vehicle mortgage contract.

[0161] Step S215: Broadcast the vehicle mortgage data in the vehicle mortgage blockchain according to the target smart contract.

[0162] In this embodiment, the implementation of steps S201-S210 is the same as that in this application. Figure 1 The implementation methods of steps S101-S110 in the illustrated embodiment are the same, and the implementation methods of steps S214-S215 are the same as those in this application. Figure 1 The implementation methods of steps S112-S113 in the illustrated embodiment are the same, and will not be described in detail here.

[0163] Figure 3 A schematic diagram of the structure of the blockchain-based vehicle mortgage data processing device provided in this application is shown below. Figure 3 As shown, the blockchain-based vehicle mortgage data processing device 30 provided in this embodiment includes:

[0164] The acquisition module 301 is used to acquire vehicle mortgage application information for the mortgaged vehicle;

[0165] Processing module 302 is used to write vehicle mortgage application information into a smart contract to generate a target smart contract; wherein, the smart contract is pre-deployed in the vehicle mortgage blockchain; according to the target smart contract, a vehicle owner information node corresponding to the vehicle owner of the mortgaged vehicle is created in the vehicle mortgage blockchain; the vehicle mortgage application information is written into the vehicle owner information node; according to the target smart contract, the vehicle manufacturer node and the vehicle management node are determined from the vehicle mortgage blockchain; based on the vehicle mortgage application information, vehicle configuration registration information and vehicle ownership change registration information are obtained; based on the original vehicle configuration information stored in the vehicle manufacturer node, the vehicle configuration registration information is verified to obtain a first verification result. Based on the vehicle ownership change management information stored in the vehicle management node, the vehicle ownership change registration information is verified to obtain a second verification result. If both the first and second verification results are successful, the vehicle mortgage creditor node is determined from the vehicle mortgage blockchain according to the target smart contract. The original vehicle mortgage contract is obtained from the vehicle mortgage creditor node according to the target smart contract. The vehicle value of the mortgaged vehicle is assessed based on the target smart contract, vehicle configuration registration information, and vehicle ownership change registration information to obtain the current vehicle value. Vehicle mortgage data is generated based on the vehicle mortgage application information, the current vehicle value, and the original vehicle mortgage contract.

[0166] Broadcast module 303 is used to broadcast vehicle mortgage data in the vehicle mortgage blockchain according to the target smart contract.

[0167] In one possible implementation, when processing module 302 assesses the value of the mortgaged vehicle based on the target smart contract, vehicle configuration registration information, and vehicle ownership change registration information to obtain the current vehicle value, it specifically performs the following steps: Based on the target smart contract, it identifies the vehicle seller node, vehicle insurer node, and traffic management node from the vehicle mortgage blockchain; it obtains vehicle maintenance information stored by the vehicle seller node; it obtains vehicle accident claim information stored by the vehicle insurer node; it obtains vehicle accident liability determination information stored by the traffic management node; and it generates the current vehicle value based on the vehicle maintenance information, vehicle accident claim information, vehicle accident liability determination information, vehicle configuration registration information, vehicle ownership change registration information, and the target smart contract.

[0168] In one possible implementation, when the processing module 302 generates the current vehicle value based on vehicle maintenance information, vehicle accident claim information, vehicle accident liability determination information, vehicle configuration registration information, vehicle ownership change registration information, and the target smart contract, it specifically performs the following: determining the first degree of vehicle damage to the mortgaged vehicle from the vehicle accident claim information; determining the second degree of vehicle damage to the mortgaged vehicle from the vehicle accident liability determination information; determining the vehicle depreciation value based on the first and second degree of vehicle damage; extracting vehicle maintenance information to obtain vehicle maintenance items and the number of vehicle maintenance services; performing a weighted calculation on the vehicle maintenance items and the number of vehicle maintenance services to obtain the vehicle's residual value; determining the current market value of the mortgaged vehicle based on the vehicle configuration registration information and the target smart contract; parsing the vehicle ownership change registration information to obtain the number of ownership changes of the mortgaged vehicle; performing a weighted calculation on the current market value and the number of ownership changes to obtain the initial value; and performing a weighted calculation on the vehicle depreciation value, the vehicle residual value, and the initial value to generate the current vehicle value.

[0169] In one possible implementation, when processing module 302 determines the current market value of the mortgaged vehicle based on vehicle configuration registration information and the target smart contract, it specifically performs the following steps: Based on the target smart contract, it identifies the vehicle trading platform node from the vehicle mortgage blockchain; it determines the original vehicle value of the mortgaged vehicle from the vehicle configuration registration information; the original vehicle value is the price at which the mortgaged vehicle was first sold; it obtains vehicle transaction data stored by the vehicle trading platform node; it extracts data from the vehicle transaction data to obtain the transaction prices of competing vehicles and similar vehicles; it calculates the difference between the transaction price of competing vehicles and the original vehicle value to obtain a first transaction price difference; it calculates the difference between the transaction price of similar vehicles and the original vehicle value to obtain a second transaction price difference; it performs a weighted calculation on the first transaction price difference and the second transaction price difference to obtain a first vehicle residual value rate; and it calculates the product of the original vehicle value and the first vehicle residual value rate to determine the current market value.

[0170] In one possible implementation, when determining the current market value of the mortgaged vehicle based on the vehicle configuration registration information and the target smart contract, the processing module 302 specifically performs the following steps: Based on the target smart contract, it identifies the network media platform node from the vehicle mortgage blockchain; obtains the second vehicle residual value stored by the network media platform node; wherein the second vehicle residual value is generated based on user review data, media review data, and market review data stored in the network media platform; determines the original vehicle value of the mortgaged vehicle from the vehicle configuration registration information; and calculates the product of the original vehicle value and the second vehicle residual value to determine the current market value.

[0171] In one possible implementation, the processing module 302, during the generation of the second vehicle residual value, is specifically used to: obtain user evaluation data, media evaluation data, and market evaluation data from the online media platform; extract target evaluation data from the user evaluation data, media evaluation data, and market evaluation data; the target evaluation data is the vehicle model evaluation data and vehicle brand evaluation data corresponding to the mortgaged vehicle; and input the target evaluation data into a pre-trained multimodal vehicle value assessment model to generate the second vehicle residual value.

[0172] In one possible implementation, the pre-trained multimodal vehicle value assessment model is deployed on a cloud server, and the generation process of the second vehicle residual value is completed on the cloud server; after the second vehicle residual value is generated, the processing module is also used to: send the second vehicle residual value to the target smart contract to store the second vehicle residual value to the network media platform node.

[0173] In one possible implementation, after broadcasting the vehicle mortgage data in the vehicle mortgage blockchain according to the target smart contract, the blockchain-based vehicle mortgage data processing device 30 is further configured to: determine the network media platform node from the vehicle mortgage blockchain according to the target smart contract; obtain the third vehicle residual value rate stored by the network media platform node; wherein the third vehicle residual value rate is generated based on real-time user evaluation data, real-time media evaluation data, and real-time market evaluation data stored in the network media platform; determine the original vehicle value of the mortgaged vehicle from the vehicle configuration registration information; calculate the product of the original vehicle value and the third vehicle residual value rate to determine the real-time market circulation value of the mortgaged vehicle; obtain the real-time loan balance corresponding to the vehicle mortgage data; calculate the ratio of the real-time market circulation value to the real-time loan balance to obtain the mortgage warning coefficient; determine the relationship between the mortgage warning coefficient and the mortgage warning coefficient threshold; if the mortgage warning coefficient is less than or equal to the mortgage warning coefficient threshold, generate mortgage warning information; the mortgage warning information is used to indicate that the real-time value of the mortgaged vehicle is lower than a preset limit value, the preset limit value being determined based on the real-time loan balance; and output the mortgage warning information.

[0174] In one possible implementation, after broadcasting the vehicle mortgage data in the vehicle mortgage blockchain according to the target smart contract, the blockchain-based vehicle mortgage data processing device 30 is further configured to: deduct funds from the vehicle owner's account at a preset time according to the target smart contract to update the vehicle mortgage data of the mortgaged vehicle, and broadcast the updated vehicle mortgage data in the vehicle mortgage blockchain.

[0175] The blockchain-based vehicle mortgage data processing device 30 provided in this embodiment can execute the method provided in the above method embodiment. Its implementation principle and technical effect are similar, and will not be described in detail here.

[0176] Figure 4 A schematic diagram of the structure of the electronic device provided in this application. Figure 4 As shown, the electronic device 40 provided in this embodiment includes at least one processor 401 and a memory 402. Optionally, the electronic device 40 further includes a communication component 403. The processor 401, memory 402, and communication component 403 are connected via a bus.

[0177] In a specific implementation, at least one processor 401 executes computer execution instructions stored in memory 402, causing at least one processor 401 to perform the above-described method.

[0178] The specific implementation process of processor 401 can be found in the above method embodiments, and its implementation principle and technical effect are similar. It will not be repeated here.

[0179] In the above embodiments, it should be understood that the processor can be a Central Processing Unit (CPU), or other general-purpose processors, digital signal processors (DSPs), application-specific integrated circuits (ASICs), etc. The general-purpose processor can be a microprocessor or any conventional processor. The steps of the method disclosed in this invention can be directly implemented by a hardware processor, or implemented by a combination of hardware and software modules within the processor.

[0180] The memory may include random access memory (RAM) and may also include non-volatile memory (NVM), such as at least one disk storage device.

[0181] The bus can be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. Buses can be categorized as address buses, data buses, control buses, etc. For ease of illustration, the buses shown in the accompanying drawings are not limited to a single bus or a single type of bus.

[0182] This application also provides a computer program product, including a computer program that, when executed by a processor, implements the above-described method.

[0183] This application also provides a computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, implement the above-described method.

[0184] The aforementioned readable storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic storage, flash memory, magnetic disk, or optical disk. The readable storage medium can be any available medium accessible to a general-purpose or special-purpose computer.

[0185] An exemplary readable storage medium is coupled to a processor, enabling the processor to read information from and write information to the readable storage medium. Of course, the readable storage medium can also be a component of the processor. The processor and the readable storage medium can reside in an Application Specific Integrated Circuit (ASIC). Alternatively, the processor and the readable storage medium can exist as discrete components in the device.

[0186] The division of units is merely a logical functional division; in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the coupling or direct coupling or communication connection shown or discussed may be indirect coupling or communication connection through some interfaces, devices, or units, and may be electrical, mechanical, or other forms.

[0187] The units described as separate components may or may not be physically separate. 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 the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0188] In addition, the functional units in the various embodiments of the present invention can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit.

[0189] If a function is implemented as 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 this invention, or the part that contributes to the prior art, or a part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods of the various embodiments of this invention. The aforementioned storage medium includes various media capable of storing program code, such as USB flash drives, portable hard drives, read-only memory (ROM), random access memory (RAM), magnetic disks, or optical disks.

[0190] Those skilled in the art will understand that all or part of the steps of the above-described method embodiments can be implemented by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When executed, the program performs the steps of the above-described method embodiments; and the aforementioned storage medium includes various media capable of storing program code, such as ROM, RAM, magnetic disks, or optical disks.

[0191] Finally, it should be noted that other embodiments of the invention will readily occur to those skilled in the art upon consideration of the specification and practice of the invention disclosed herein. This invention is intended to cover any variations, uses, or adaptations of the invention that follow the general principles of the invention and include common knowledge or customary techniques in the art not disclosed herein, and is not limited to the precise structures described above and shown in the accompanying drawings, and various modifications and changes can be made without departing from its scope. The scope of the invention is limited only by the appended claims.

Claims

1. A blockchain-based vehicle mortgage data processing method, characterized in that, The method comprises the following steps: obtaining vehicle mortgage application information of a mortgaged vehicle; writing the vehicle mortgage application information into a smart contract to generate a target smart contract, wherein the smart contract is pre-deployed in a vehicle mortgage blockchain; creating a vehicle owner information node of a vehicle owner corresponding to the mortgaged vehicle in the vehicle mortgage blockchain according to the target smart contract; writing the vehicle mortgage application information into the vehicle owner information node; determining a vehicle manufacturer node and a vehicle management node from the vehicle mortgage blockchain according to the target smart contract; obtaining vehicle configuration registration information and vehicle ownership change registration information according to the vehicle mortgage application information; verifying the vehicle configuration registration information according to vehicle configuration original information stored in the vehicle manufacturer node to obtain a first verification result; verifying the vehicle ownership change registration information according to vehicle ownership change management information stored in the vehicle management node to obtain a second verification result; if the first verification result is verified and the second verification result is verified, determining a vehicle mortgage creditor node from the vehicle mortgage blockchain according to the target smart contract; obtaining a vehicle mortgage original contract from the vehicle mortgage creditor node according to the target smart contract; evaluating a vehicle value of the mortgaged vehicle according to the target smart contract, the vehicle configuration registration information and the vehicle ownership change registration information to obtain a current vehicle value; generating vehicle mortgage data according to the vehicle mortgage application information, the current vehicle value and the vehicle mortgage original contract; broadcasting the vehicle mortgage data in the vehicle mortgage blockchain according to the target smart contract.

2. The method of claim 1, wherein, The method of evaluating the vehicle value of the mortgaged vehicle according to the target smart contract, the vehicle configuration registration information and the vehicle ownership change registration information to obtain the current vehicle value comprises the following steps: determining a vehicle seller node, a vehicle insurer node and a traffic management node from the vehicle mortgage blockchain according to the target smart contract; obtaining vehicle maintenance information stored in the vehicle seller node; obtaining vehicle accident claim information stored in the vehicle insurer node; obtaining vehicle accident liability information stored in the traffic management node; generating the current vehicle value according to the vehicle maintenance information, the vehicle accident claim information, the vehicle accident liability information, the vehicle configuration registration information, the vehicle ownership change registration information and the target smart contract.

3. The method of claim 2, wherein, The method of generating the current vehicle value according to the vehicle maintenance information, the vehicle accident claim information, the vehicle accident liability information, the vehicle configuration registration information, the vehicle ownership change registration information and the target smart contract comprises the following steps: determining a first vehicle damage degree of the mortgaged vehicle from the vehicle accident claim information; determining a second vehicle damage degree of the mortgaged vehicle from the vehicle accident liability information; determining a vehicle depreciation value according to the first vehicle damage degree and the second vehicle damage degree; Extracting the vehicle maintenance information to obtain a vehicle maintenance item and a vehicle maintenance frequency; Performing weighted calculation on the vehicle maintenance item and the vehicle maintenance frequency to obtain a vehicle devaluation value; Determining a current market circulation value of the mortgaged vehicle according to the vehicle configuration registration information and the target smart contract; Analyzing the vehicle ownership change registration information to obtain an ownership change frequency of the mortgaged vehicle; Performing weighted calculation on the current market circulation value and the ownership change frequency to obtain an initial value value; Performing weighted calculation on the vehicle devaluation value, the vehicle devaluation value and the initial value value to generate the current vehicle value.

4. The method of claim 3, wherein, The determining of the current market circulation value of the mortgaged vehicle according to the vehicle configuration registration information and the target smart contract comprises: Determining a vehicle transaction platform node from the vehicle mortgage blockchain according to the target smart contract; Determining an original vehicle value of the mortgaged vehicle from the vehicle configuration registration information; the original vehicle value is a price when the mortgaged vehicle is sold for the first time; Obtaining vehicle transaction data stored by the vehicle transaction platform node; Performing data extraction on the vehicle transaction data to obtain a competitive vehicle transaction price and a same product vehicle transaction price; Calculating a difference between the competitive vehicle transaction price and the original vehicle value to obtain a first transaction price difference; Calculating a difference between the same product vehicle transaction price and the original vehicle value to obtain a second transaction price difference; Performing weighted calculation on the first transaction price difference and the second transaction price difference to obtain a first vehicle devaluation rate; Calculating a product of the original vehicle value and the first vehicle devaluation rate to determine the current market circulation value.

5. The method of claim 3, wherein, The determining of the current market circulation value of the mortgaged vehicle according to the vehicle configuration registration information and the target smart contract comprises: Determining a network media platform node from the vehicle mortgage blockchain according to the target smart contract; Obtaining a second vehicle devaluation rate stored by the network media platform node; wherein the second vehicle devaluation rate is generated based on user evaluation data, media evaluation data and market evaluation data stored in a network media platform; Determining an original vehicle value of the mortgaged vehicle from the vehicle configuration registration information; Calculating a product of the original vehicle value and the second vehicle devaluation rate to determine the current market circulation value.

6. The method of claim 5, wherein, The generation process of the second vehicle devaluation rate comprises: Obtaining the user evaluation data, the media evaluation data and the market evaluation data from the network media platform; Extracting target evaluation data from the user evaluation data, the media evaluation data and the market evaluation data; the target evaluation data is vehicle model evaluation data and vehicle brand evaluation data corresponding to the mortgaged vehicle; Inputting the target evaluation data into a pre-trained multi-modal vehicle value evaluation model to generate the second vehicle devaluation rate.

7. The method of claim 6, wherein, The pre-trained multi-modal vehicle value evaluation model is deployed on a cloud server, and a generation process of the second vehicle value retention rate is completed on the cloud server. After the second vehicle value retention rate is generated, the method further includes: sending the second vehicle value retention rate to the target smart contract to store the second vehicle value retention rate to the network media platform side node.

8. The method of claim 1, wherein, After the vehicle mortgage data is broadcast in the vehicle mortgage blockchain according to the target smart contract, the method further includes: determining a network media platform side node from the vehicle mortgage blockchain according to the target smart contract; obtaining a third vehicle value retention rate stored by the network media platform side node; wherein the third vehicle value retention rate is generated based on real-time user evaluation data, real-time media evaluation data and real-time market evaluation data stored in the network media platform; determining an original vehicle value of the mortgaged vehicle from the vehicle configuration registration information; calculating a product of the original vehicle value and the third vehicle value retention rate to determine a real-time market circulation value of the mortgaged vehicle; obtaining a real-time loan balance corresponding to the vehicle mortgage data; calculating a ratio of the real-time market circulation value to the real-time loan balance to obtain a mortgage early warning coefficient; judging a size relationship between the mortgage early warning coefficient and a mortgage early warning coefficient threshold value; if the mortgage early warning coefficient is less than or equal to the mortgage early warning coefficient threshold value, generating mortgage early warning information; the mortgage early warning information is used to indicate that the real-time value of the mortgaged vehicle is lower than a preset limit value, and the preset limit value is determined based on the real-time loan balance; outputting the mortgage early warning information.

9. The method according to any one of claims 1 to 8, characterized in that, After the vehicle mortgage data is broadcast in the vehicle mortgage blockchain according to the target smart contract, the method further includes: According to the target smart contract, the method further includes: 10.A blockchain-based vehicle mortgage data processing apparatus, characterized by comprising: a obtaining module, configured to obtain vehicle mortgage application information of a mortgaged vehicle; ​ The processing module is configured to write the vehicle mortgage application information into a smart contract to generate a target smart contract, wherein the smart contract is pre-deployed in a vehicle mortgage blockchain; create a vehicle owner information node of a vehicle owner corresponding to the mortgaged vehicle in the vehicle mortgage blockchain according to the target smart contract; write the vehicle mortgage application information into the vehicle owner information node; determine a vehicle manufacturer node and a vehicle management node in the vehicle mortgage blockchain according to the target smart contract; obtain vehicle configuration registration information and vehicle ownership change registration information according to the vehicle mortgage application information; verify the vehicle configuration registration information according to vehicle configuration original information stored in the vehicle manufacturer node to obtain a first verification result; verify the vehicle ownership change registration information according to vehicle ownership change management information stored in the vehicle management node to obtain a second verification result; if the first verification result is verified and the second verification result is verified, determine a vehicle mortgage creditor node in the vehicle mortgage blockchain according to the target smart contract; obtain a vehicle mortgage original contract from the vehicle mortgage creditor node according to the target smart contract; evaluate a vehicle value of the mortgaged vehicle according to the target smart contract, the vehicle configuration registration information and the vehicle ownership change registration information to obtain a current vehicle value; and generate vehicle mortgage data according to the vehicle mortgage application information, the current vehicle value and the vehicle mortgage original contract. The broadcasting module is configured to broadcast the vehicle mortgage data in the vehicle mortgage blockchain according to the target smart contract.

11. An electronic device, comprising: The processor and a memory connected with the processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory to implement the method in any one of claims 1-9. The computer-readable storage medium stores computer-executable instructions, and the computer-executable instructions are executed by the processor to implement the method in any one of claims 1-9.

12. A computer-readable storage medium, characterized in that, The computer program is executed by the processor to implement the method in any one of claims 1-9.

13. A computer program product, characterised in that, ​

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