CN106384326B - Loan vehicle fraud aggregation early warning system and method - Google Patents
Loan vehicle fraud aggregation early warning system and method Download PDFInfo
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- CN106384326B CN106384326B CN201610873541.4A CN201610873541A CN106384326B CN 106384326 B CN106384326 B CN 106384326B CN 201610873541 A CN201610873541 A CN 201610873541A CN 106384326 B CN106384326 B CN 106384326B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
- G06Q50/26—Government or public services
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- G—PHYSICS
- G01—MEASURING; TESTING
- G01S—RADIO DIRECTION-FINDING; RADIO NAVIGATION; DETERMINING DISTANCE OR VELOCITY BY USE OF RADIO WAVES; LOCATING OR PRESENCE-DETECTING BY USE OF THE REFLECTION OR RERADIATION OF RADIO WAVES; ANALOGOUS ARRANGEMENTS USING OTHER WAVES
- G01S19/00—Satellite radio beacon positioning systems; Determining position, velocity or attitude using signals transmitted by such systems
- G01S19/01—Satellite radio beacon positioning systems transmitting time-stamped messages, e.g. GPS [Global Positioning System], GLONASS [Global Orbiting Navigation Satellite System] or GALILEO
- G01S19/03—Cooperating elements; Interaction or communication between different cooperating elements or between cooperating elements and receivers
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- G—PHYSICS
- G01—MEASURING; TESTING
- G01S—RADIO DIRECTION-FINDING; RADIO NAVIGATION; DETERMINING DISTANCE OR VELOCITY BY USE OF RADIO WAVES; LOCATING OR PRESENCE-DETECTING BY USE OF THE REFLECTION OR RERADIATION OF RADIO WAVES; ANALOGOUS ARRANGEMENTS USING OTHER WAVES
- G01S19/00—Satellite radio beacon positioning systems; Determining position, velocity or attitude using signals transmitted by such systems
- G01S19/38—Determining a navigation solution using signals transmitted by a satellite radio beacon positioning system
- G01S19/39—Determining a navigation solution using signals transmitted by a satellite radio beacon positioning system the satellite radio beacon positioning system transmitting time-stamped messages, e.g. GPS [Global Positioning System], GLONASS [Global Orbiting Navigation Satellite System] or GALILEO
- G01S19/42—Determining position
Abstract
The invention relates to a loan vehicle fraud gathering early warning system and method, through installing in the car body GPS satellite positioning device, gather the driving information of the car in real time including driving longitude and latitude coordinate information and driving communication time information, and transmit the information to the network communication module, transmit to the platform service system of looking for the car to process by GPRS wireless network, analyze the driving information through LBS database, according to the driving longitude and latitude coordinate of the vehicle, vehicle gathering range, vehicle gathering time and duration, GPS satellite positioning device working condition, etc., judge whether there is possibility of fraud gathering, form early warning information and push the early warning content, find the sensitive vocabulary such as "car repair" etc. to assist the interpretation through the address inquiry, make the financial institution carry on the multi-azimuth detection, analysis to the vehicle, realize the analytical precision, pay attention to the vehicle with dangerous loan in advance, the loan vehicle fraud aggregation is monitored and early warned in real time, and the economic risk is reduced.
Description
Technical Field
The invention belongs to the technical field of vehicle early warning, and particularly relates to an early warning system and method for loan vehicle fraud aggregation, which are mainly used for carrying out real-time monitoring and real-time warning on loan vehicle fraud aggregation.
Background
With the progress of society and the rapid development of economy, more and more people begin to own their own automobiles. However, at present, automobiles are high-grade consumer goods for many families, and the high price enables more and more people to buy the automobiles in a mortgage manner, which relieves the economic burden of purchasers to a certain extent. In order to prevent some car owners from malicious non-repayment or non-payment of loans, so as to prevent economic risks, financial institutions usually adopt a method of adding a GPS to a mortgage vehicle for positioning, and monitor the mortgage vehicle through a GPS positioning system for early warning.
Chinese patent No. CN 103942853B discloses an automobile information collecting device and risk analyzing method based on LBS database, the driving information is collected and analyzed by a driving data collection system, and the driving information is sent to a vehicle checking platform service system for processing through a GPRS wireless network to obtain the scoring data of the main living circle, the scoring data of the working circle, the scoring data of the consumption circle, the scoring data of the flow-through circle, the scoring data of the vehicle characteristic and the scoring data of the vehicle user, further obtain the total information scoring data of the current vehicle of the vehicle owner, the financial institution can predict the default probability of the vehicle owner in advance according to the result of the analysis of the driving information after the vehicle owner is overdue, thereby judging the repayment willingness and the repayment capability of the vehicle owner, the method has the advantages that the method can take measures as soon as possible for borrowers who illegally dispose mortgage vehicles and do not pay malicious money, so that economic risks of financial institutions and insurance companies are effectively reduced.
In purchasing vehicles using mortgage loans, there is also a group fraud that aggregates loaned vehicles together for a transaction. Although the collection device and the risk analysis method provided by the patent can predict the default probability of the loan owner in advance, the repayment will and the repayment capacity of the loan owner can be judged, and measures can be taken as soon as possible for borrowers who illegally deal with mortgage vehicles without repayment maliciously, so that the economic risk of financial institutions and insurance companies is effectively reduced. However, the patent and the existing monitoring and early warning method cannot realize the monitoring and early warning of group fraud, so that financial institutions still have economic risks.
Disclosure of Invention
Aiming at the problems that the financial institution economic risk is increased due to the loan vehicle fraud aggregation in the prior art, the invention provides the loan vehicle fraud aggregation early warning system and method, which realize real-time monitoring and real-time early warning for the loan vehicle fraud aggregation.
In a real-world scenario, group fraud is mainly represented by aggregating loaned vehicles together for a transaction, or aggregating vehicles together over the same time period, or aggregating vehicles separately over different time periods. In the course of the aggregate transaction, in order to ensure that the act of illegally disposing of the mortgage vehicle is not perceived by the financial institution or insurance company, the GPS attached to the mortgage vehicle is usually removed. Therefore, the invention can carry out early warning judgment according to the different situations and ensure the effectiveness of early warning.
In order to achieve the aim, the invention provides an early warning system for loan vehicle fraud aggregation, which comprises a driving data acquisition system, a GPRS wireless network and a vehicle searching platform service system communicated with the driving data acquisition system through the GPRS wireless network, wherein the driving data acquisition system comprises a GPS (global positioning system) satellite positioning device and a network communication module electrically connected with the GPS satellite positioning device, the GPS satellite positioning device is used for acquiring driving information in real time, the GPS satellite positioning device transmits the acquired driving information to the network communication module, the network communication module transmits the driving information to the vehicle searching platform service system through the GPRS wireless network, the vehicle searching platform service system comprises a wireless network receiving device for receiving the driving information, an electronic map platform system for displaying the driving information and a vehicle searching platform system for storing the driving information, The processed LBS database, wherein the driving information comprises driving longitude and latitude coordinate information and driving communication time information, and the driving communication time refers to the time when the GPS satellite positioning device is in interactive connection with the vehicle checking platform service system through a network communication module; the LBS database obtains the working state of the GPS satellite positioning device and the information of the driving stopping point according to the longitude and latitude coordinate information of the driving and the driving communication time information, wherein the information of the driving stopping point comprises a stopping positioning point, stopping time and stopping duration; the stay positioning point refers to that the GPS satellite positioning device and the vehicle checking platform service system are in continuous communication, namely the driving communication time information is continuously updated, the longitude and latitude coordinate information of the driving is unchanged, the vehicle is judged to stay, the positioning place is the stay positioning point, and the stay duration is the stay duration.
In order to achieve the purpose, the invention also provides a loan vehicle fraud aggregation early warning method, which adopts the loan vehicle fraud aggregation early warning system and comprises the following steps:
the method comprises the following steps that firstly, running longitude and latitude coordinate information and running communication time information of an automobile are collected in real time through a GPS satellite positioning device arranged in the automobile body, and the running information is sent to a vehicle checking platform service system through a GPRS wireless network for processing; a wireless network receiving device in the vehicle checking platform service system transmits the collected driving information to an LBS database for storage and processing, and obtains the working state of a GPS satellite positioning device and the driving stopping point information through the driving information, wherein the driving stopping point information comprises a stopping positioning point, stopping time and stopping duration;
and (II) judging the aggregation range and the number of the aggregated vehicles according to whether the driving latitude and longitude coordinates are overlapped or approximately overlapped through the driving stop point information obtained from the LBS database, and if a plurality of vehicles stop in the same aggregation range and the same time period, generating early warning information by the LBS database and pushing the early warning information in real time.
In order to achieve the above object, the present invention further provides a method for early warning of loan vehicle fraud accumulation, which adopts the system for early warning of loan vehicle fraud accumulation, and comprises the following steps:
the method comprises the following steps that firstly, running longitude and latitude coordinate information and running communication time information of an automobile are collected in real time through a GPS satellite positioning device arranged in the automobile body, and the running information is sent to a vehicle checking platform service system through a GPRS wireless network for processing; a wireless network receiving device in the vehicle checking platform service system transmits the collected driving information to an LBS database for storage and processing, and obtains the working state of a GPS satellite positioning device and the driving stopping point information through the driving information, wherein the driving stopping point information comprises a stopping positioning point, stopping time and stopping duration;
and (II) judging the aggregation range and the number of the aggregated vehicles according to whether the driving latitude and longitude coordinates are overlapped or approximately overlapped through the driving stop point information obtained from the LBS database, and if a plurality of vehicles stop in the same aggregation range at different moments, generating early warning information by the LBS database and pushing the early warning information in real time.
In order to achieve the above object, the present invention further provides a method for early warning of loan vehicle fraud aggregation, which adopts the system for early warning of loan vehicle fraud aggregation, and comprises the following steps:
the method comprises the following steps that firstly, running longitude and latitude coordinate information and running communication time information of an automobile are collected in real time through a GPS satellite positioning device arranged in the automobile body, and the running information is sent to a vehicle checking platform service system through a GPRS wireless network for processing; a wireless network receiving device in the vehicle checking platform service system transmits the collected driving information to an LBS database for storage and processing, and obtains the working state of the GPS satellite positioning device through the driving information;
secondly, judging the working state and the last positioning point of the GPS satellite positioning device by utilizing the driving longitude and latitude coordinate information and the driving communication time information of the driving collected in the LBS database, and if the driving communication time stops updating, keeping the GPS satellite positioning device in an off-line state and risking the device to be dismantled; and judging the aggregation range and the number of the aggregated vehicles according to whether the longitude and latitude coordinates of the travelling vehicles in the final positioning point are overlapped or approximately overlapped, and if the GPS satellite positioning device is offline in the same aggregation range, generating early warning information by the LBS database and pushing the early warning information in real time.
In order to achieve the above object, the present invention further provides a method for early warning of loan vehicle fraud accumulation, which adopts the system for early warning of loan vehicle fraud accumulation, and comprises the following steps:
the method comprises the following steps that firstly, running longitude and latitude coordinate information and running communication time information of an automobile are collected in real time through a GPS satellite positioning device arranged in the automobile body, and the running information is sent to a vehicle checking platform service system through a GPRS wireless network for processing; a wireless network receiving device in the vehicle checking platform service system transmits the collected driving information to an LBS database for storage and processing, and obtains a positioning place, a GPS satellite positioning device working state and driving stopping point information through the driving information, wherein the driving stopping point information comprises a stopping positioning point, stopping time and stopping duration;
secondly, judging a stop positioning point, a working state of the GPS satellite positioning device and a final positioning point thereof through the driving information acquired in the LBS database and the acquired driving stop point information, wherein if the driving communication time stops updating, the GPS satellite positioning device is in an off-line state, and the risk of dismantling the device exists; and judging the aggregation range and the number of the aggregated vehicles according to whether the driving longitude and latitude coordinates of the staying locating point and the final locating point are overlapped or approximately overlapped, and if a plurality of vehicles stay in the same aggregation range separately and a part of the vehicles are off-line by the GPS satellite locating device, generating early warning information by the LBS database and pushing the early warning information in real time.
Compared with the prior art, the invention has the beneficial effects that:
the invention provides a loan vehicle fraud gathering early warning system and method, which collects the driving information of the vehicle in real time including driving longitude and latitude coordinate information and driving communication time information through a GPS satellite positioning device arranged in the vehicle body, transmits the information to a network communication module, transmits the information to a vehicle checking platform service system through a GPRS wireless network for processing, analyzes the driving information through an LBS database, judges whether the fraud gathering possibility exists according to the driving longitude and latitude coordinate, the vehicle gathering range, the vehicle gathering time and duration, the working state of the GPS satellite positioning device and other conditions, forms early warning information and pushes the early warning content, finds out sensitive words such as 'automobile repair' and other assistance interpretation through address query, so that a financial institution can carry out multidirectional detection and analysis on the vehicle, and realizes the accuracy of analysis, the method and the system pay attention to dangerous vehicles in advance, realize real-time monitoring and real-time early warning on loan vehicle cheating aggregation, and reduce economic risks.
Drawings
Fig. 1 is a schematic structural diagram of an early warning system for fraud aggregation of loan vehicles according to embodiment 1 of the present invention.
Fig. 2 is a flowchart of the method for warning fraud accumulation on loan vehicles according to embodiment 2 of the present invention.
Fig. 3 is a flowchart of the method for warning fraud accumulation on loan vehicles according to embodiment 4 of the present invention.
Fig. 4 is a flowchart of the method for warning fraud accumulation on loan vehicles according to embodiment 6 of the present invention.
Fig. 5 is a flowchart of the method for warning fraud accumulation on loan vehicles according to embodiment 8 of the present invention.
Fig. 6 is a flowchart of a method for providing an early warning of fraud accumulation on loan vehicles according to embodiment 10 of the present invention.
Fig. 7 is a flowchart of a method for providing an early warning of fraud accumulation on loan vehicles according to embodiment 12 of the present invention.
Detailed Description
The invention is described in detail below by way of exemplary embodiments. It should be understood, however, that elements, structures and features of one embodiment may be beneficially incorporated in other embodiments without further recitation.
Example 1: referring to fig. 1, the embodiment provides an early warning system for fraud and aggregation of loan vehicles, which includes a driving data acquisition system, a GPRS wireless network, and a vehicle search platform service system communicating with the driving data acquisition system via the GPRS wireless network, wherein the driving data acquisition system includes a GPS satellite positioning device and a network communication module electrically connected to the GPS satellite positioning device, the GPS satellite positioning device is used for acquiring driving information in real time, the GPS satellite positioning device transmits the acquired driving information to the network communication module, the network communication module transmits the driving information to the vehicle search platform service system via the GPRS wireless network, and the vehicle search platform service system includes a wireless network receiving device for receiving the driving information, an electronic map platform system for displaying the driving information, and a vehicle search platform system for storing the driving information, The processed LBS database, wherein the driving information comprises driving longitude and latitude coordinate information and driving communication time information, and the driving communication time refers to the time when the GPS satellite positioning device is in interactive connection with the vehicle checking platform service system through a network communication module; the LBS database obtains the working state of the GPS satellite positioning device and the information of the driving stopping point according to the longitude and latitude coordinate information of the driving and the driving communication time information, wherein the information of the driving stopping point comprises a stopping positioning point, stopping time and stopping duration; the stay positioning point refers to that the GPS satellite positioning device and the vehicle checking platform service system are in continuous communication, namely the driving communication time information is continuously updated, the longitude and latitude coordinate information of the driving is unchanged, the vehicle is judged to stay, the positioning place is the stay positioning point, and the stay duration is the stay duration.
When the early warning system works, the GPS satellite positioning system transmits the acquired driving information to the network communication module, the network communication module transmits the driving information to the wireless network receiving device through the GPRS wireless network, the wireless network receiving device transmits the received driving information to the LBS database for storage and processing, the processed driving information is displayed through the electronic map platform system, the LBS database obtains driving stop point information and the working state of the GPS satellite positioning device according to the driving information, judges whether the possibility of fraud aggregation exists according to the driving information, the driving stop point information and the working state of the GPS satellite positioning device, and if the possibility of fraud aggregation exists, the LBS database generates early warning information and pushes the early warning information in real time.
Example 2: the embodiment provides a method for early warning of loan vehicle fraud aggregation, which adopts the system for early warning of loan vehicle fraud aggregation described in embodiment 1, and with reference to fig. 2, includes the following steps:
the method comprises the following steps: the method comprises the steps that driving longitude and latitude coordinate information and driving communication time information of an automobile are collected in real time through a GPS satellite positioning device arranged in an automobile body, and driving information is sent to a vehicle checking platform service system through a GPRS wireless network for processing; the wireless network receiving device in the vehicle checking platform service system transmits the collected driving information to the LBS database for storage and processing, and obtains the working state of the GPS satellite positioning device and the driving stopping point information through the driving information, wherein the driving stopping point information comprises stopping positioning points, stopping time and stopping duration.
The stay positioning point refers to that the GPS satellite positioning device and the vehicle checking platform service system are in continuous communication, namely the driving communication time information is continuously updated, the longitude and latitude coordinate information of the driving is unchanged, the vehicle is judged to stay, the positioning place is the stay positioning point, and the stay duration is the stay duration.
Step two: and screening vehicles which stay in the same time period and stay for more than 6 hours by using the driving stopping point information obtained from the LBS database, judging the size of a cheating grid based on the result by taking the aggregation range with the diameter of 1 kilometer as the standard, circularly judging whether the aggregation range reaches more than 3 vehicles by using the LBS database according to whether the driving longitude and latitude coordinates are overlapped or approximately overlapped, and if the conditions are met, generating early warning information by using the LBS database, pushing the early warning information in real time and pushing the early warning information to a financial institution or an insurance company.
Example 3: the loan vehicle fraud aggregation early warning method provided by the embodiment adopts the loan vehicle fraud aggregation early warning system described in the embodiment 1, and the technical scheme is basically the same as that of the embodiment 2, and the difference is that in the step two, when the aggregation range and the aggregation vehicle number are judged, sensitive words are searched for to assist interpretation through positioning addresses, and the sensitive words are 'automobile repair', or 'automobile maintenance', or 'automobile transaction', or 'automobile quick repair'.
Example 4: the method for warning fraud aggregation of loan vehicles provided by this embodiment adopts the system for warning fraud aggregation of loan vehicles described in embodiment 1, and with reference to fig. 3, includes the following steps:
the method comprises the following steps: the method comprises the steps that driving longitude and latitude coordinate information and driving communication time information of an automobile are collected in real time through a GPS satellite positioning device arranged in an automobile body, and driving information is sent to a vehicle checking platform service system through a GPRS wireless network for processing; the wireless network receiving device in the vehicle checking platform service system transmits the collected driving information to the LBS database for storage and processing, and obtains the working state of the GPS satellite positioning device and the driving stopping point information through the driving information, wherein the driving stopping point information comprises stopping positioning points, stopping time and stopping duration.
The stay positioning point refers to that the GPS satellite positioning device and the vehicle checking platform service system are in continuous communication, namely the driving communication time information is continuously updated, the longitude and latitude coordinate information of the driving is unchanged, the vehicle is judged to stay, the positioning place is the stay positioning point, and the stay duration is the stay duration.
Step two: the method comprises the steps of screening vehicles which stay for more than 1 day in the same gathering range at different moments through driving stopping point information obtained from an LBS database, judging the size of a cheating grid by taking the gathering range with the diameter of 1 kilometer as a standard, circularly judging whether the gathering range reaches more than 3 vehicles according to whether driving longitude and latitude coordinates are overlapped or approximately overlapped, and if the conditions are met, generating early warning information by the LBS database, pushing the early warning information in real time and pushing the early warning information to a financial institution or an insurance company.
Example 5: the loan vehicle fraud aggregation early warning method provided by the embodiment adopts the loan vehicle fraud aggregation early warning system described in the embodiment 1, and the technical scheme is basically the same as that of the embodiment 4, and the difference is that in the step two, when the aggregation range and the aggregation vehicle number are judged, sensitive words are searched for to assist interpretation through positioning addresses, and the sensitive words are 'automobile repair', or 'automobile maintenance', or 'automobile transaction', or 'automobile quick repair'.
Example 6: the method for warning fraud aggregation of loan vehicles provided by this embodiment adopts the system for warning fraud aggregation of loan vehicles described in embodiment 1, and with reference to fig. 4, includes the following steps:
the method comprises the following steps: the method comprises the steps that driving longitude and latitude coordinate information and driving communication time information of an automobile are collected in real time through a GPS satellite positioning device arranged in an automobile body, and driving information is sent to a vehicle checking platform service system through a GPRS wireless network for processing; the wireless network receiving device in the vehicle checking platform service system transmits the collected driving information to the LBS database for storage and processing, and obtains the working state of the GPS satellite positioning device through the driving information.
Step two: and judging the working state and the last positioning point of the GPS satellite positioning device by using the driving information acquired in the LBS database and the driving longitude and latitude coordinate information and the driving communication time information, wherein if the driving communication time stops updating, the GPS satellite positioning device is in an off-line state, and the risk of dismantling the device exists. Screening out vehicles which are in an off-line state and have off-line duration of more than 12 hours in the same time period and the same aggregation range, judging the size of a cheating grid by taking the aggregation range with the diameter of 1 kilometer as a reference, circularly judging whether the aggregation range reaches more than 3 vehicles by the LBS database according to whether driving longitude and latitude coordinates in a final positioning point are overlapped or approximately overlapped, if so, generating early warning information by the LBS database, pushing the early warning information in real time and pushing the early warning information to a financial institution or an insurance company. The last positioning point refers to the driving longitude and latitude coordinate sent by the GPS satellite positioning device before the GPS satellite positioning device is in an off-line state.
Example 7: the loan vehicle fraud aggregation early warning method provided by the embodiment adopts the loan vehicle fraud aggregation early warning system described in the embodiment 1, and the technical scheme is basically the same as that of the embodiment 6, and the difference is that in the step two, when the aggregation range and the aggregation vehicle number are judged, sensitive words are searched for to assist interpretation through positioning addresses, and the sensitive words are 'automobile repair', or 'automobile maintenance', or 'automobile transaction', or 'automobile quick repair'.
Example 8: the loan vehicle fraud aggregation early warning method provided by this embodiment adopts the loan vehicle fraud aggregation early warning system described in embodiment 1, see fig. 5, and the technical scheme is basically the same as that of embodiment 6, and the difference is that in step two, a vehicle in which a GPS satellite positioning device is in an offline state and the offline time is longer than 12 hours in the same aggregation range at different time periods is screened out, the size of a fraud grid is determined with reference to an aggregation range with a diameter of 1 km, and according to whether driving longitude and latitude coordinates are overlapped or approximately overlapped, an LBS database circularly determines whether the aggregation range reaches more than 3 vehicles, if the conditions are met, an LBS database generates early warning information and pushes the early warning information in real time to a financial institution or an insurance company.
Example 9: the loan vehicle fraud aggregation early warning method provided by the embodiment adopts the loan vehicle fraud aggregation early warning system described in the embodiment 1, and the technical scheme is basically the same as that of the embodiment 8, and the difference is that in the step two, when the aggregation range and the aggregation vehicle number are judged, sensitive words are searched for to assist interpretation through positioning addresses, and the sensitive words are 'automobile repair', or 'automobile maintenance', or 'automobile transaction', or 'automobile quick repair'.
Example 10: the method for warning fraud aggregation of loan vehicles provided by this embodiment adopts the system for warning fraud aggregation of loan vehicles described in embodiment 1, and with reference to fig. 6, includes the following steps:
the method comprises the following steps: the method comprises the steps that driving longitude and latitude coordinate information and driving communication time information of an automobile are collected in real time through a GPS satellite positioning device arranged in an automobile body, and driving information is sent to a vehicle checking platform service system through a GPRS wireless network for processing; the wireless network receiving device in the vehicle checking platform service system transmits the collected driving information to the LBS database for storage and processing, and obtains a positioning place, a GPS satellite positioning device working state and driving stopping point information through the driving information, wherein the driving stopping point information comprises stopping positioning points, stopping time and stopping duration.
The stay positioning point refers to that the GPS satellite positioning device and the vehicle checking platform service system are in continuous communication, namely the driving communication time information is continuously updated, the longitude and latitude coordinate information of the driving is unchanged, the vehicle is judged to stay, the positioning place is the stay positioning point, and the stay duration is the stay duration.
Step two: the method comprises the steps that vehicles with the vehicle separation stay time and the vehicle off-line time respectively reaching more than 12 hours in the same time period and the same aggregation range are screened out through driving information collected in an LBS database and acquired driving stay point information, the size of a cheating grid is judged with the aggregation range with the diameter of 1 kilometer as a reference, whether driving longitude and latitude coordinates are overlapped or approximately overlapped in a stay locating point and a final locating point is judged, the LBS database circularly judges whether the number of the vehicles in the aggregation range reaches more than 3, and if the conditions are met, the LBS database generates early warning information and pushes the early warning information in real time to a financial institution or an insurance company. The last positioning point refers to the driving longitude and latitude coordinate sent by the GPS satellite positioning device before the GPS satellite positioning device is in an off-line state.
Example 11: the loan vehicle fraud aggregation early warning method provided by the embodiment adopts the loan vehicle fraud aggregation early warning system described in the embodiment 1, and the technical scheme is basically the same as that of the embodiment 10, and the difference is that in the step two, when the aggregation range and the aggregation vehicle number are judged, sensitive words are searched for to assist interpretation through positioning addresses, and the sensitive words are 'automobile repair', or 'automobile maintenance', or 'automobile transaction', or 'automobile quick repair'.
Example 12: the loan vehicle fraud aggregation early warning method provided by this embodiment adopts the loan vehicle fraud aggregation early warning system described in embodiment 1, see fig. 7, and the technical scheme is substantially the same as that of embodiment 10, and the difference is that in step two, vehicles with a vehicle separation stay time and a vehicle separation off-line time within the same aggregation range of different time periods and respectively longer than 12 hours are screened out, the size of a fraud grid is judged on the basis of an aggregation range with a diameter of 1 km, and according to whether traveling longitude and latitude coordinates in a stay positioning point and a final positioning point are overlapped or approximately overlapped, an LBS database circularly judges whether the aggregation range reaches more than 3 vehicles, if the conditions are met, the LBS database generates early warning information and pushes the early warning information in real time to a financial institution or an insurance company.
Example 13: the loan vehicle fraud aggregation early warning method provided by the embodiment adopts the loan vehicle fraud aggregation early warning system described in embodiment 1, and the technical scheme is basically the same as that of embodiment 12, and the difference is that in step two, when the aggregation range and the aggregation vehicle number are judged, sensitive words are searched for to assist interpretation through positioning addresses, and the sensitive words are 'automobile repair', or 'automobile maintenance', or 'automobile transaction', or 'automobile quick repair'.
The above-described embodiments are intended to illustrate rather than to limit the invention, and any modifications and variations of the present invention are possible within the spirit and scope of the claims.
Claims (4)
1. A loan vehicle fraud gathering early warning system comprises a driving data acquisition system, a GPRS wireless network and a vehicle checking platform service system which is communicated with the driving data acquisition system through the GPRS wireless network, wherein the driving data acquisition system comprises a GPS satellite positioning device and a network communication module which is electrically connected with the GPS satellite positioning device, the GPS satellite positioning device is used for acquiring driving information in real time, the GPS satellite positioning device transmits the acquired driving information to the network communication module, the network communication module transmits the driving information to the vehicle checking platform service system through the GPRS wireless network, the vehicle checking platform service system comprises a wireless network receiving device for receiving the driving information, an electronic map platform system for displaying the driving information and an LBS database for storing and processing the driving information, and is characterized in that, the driving information comprises driving longitude and latitude coordinate information and driving communication time information, and the driving communication time refers to the time when the GPS satellite positioning device is in interactive connection with the vehicle checking platform service system through the network communication module; the LBS database obtains the working state of the GPS satellite positioning device and the information of the driving stopping point according to the longitude and latitude coordinate information of the driving and the driving communication time information, wherein the information of the driving stopping point comprises a stopping positioning point, stopping time and stopping duration; the stay positioning point refers to the continuous communication between the GPS satellite positioning device and the vehicle checking platform service system, namely the driving communication time information is continuously updated, but the longitude and latitude coordinate information of the driving is not changed, the vehicle is judged to stay, the positioning place is the stay positioning point, and the stay duration is the stay duration; the LBS database judges the aggregation range and the number of the aggregated vehicles according to whether the longitude and latitude coordinates of the driving vehicles are overlapped or approximately overlapped, if a plurality of vehicles stay in the same aggregation range and the same time period for more than 6 hours or stay in the same aggregation range at different moments for more than 1 day, the LBS database generates early warning information and pushes the early warning information in real time; or the LBS database judges the aggregation range and the number of the aggregated vehicles according to whether the driving longitude and latitude coordinates in the last positioning point are overlapped or approximately overlapped, if a plurality of vehicles are offline in the same aggregation range and the offline time is more than 12 hours, the LBS database generates early warning information and pushes the early warning information in real time; or the LBS database judges the aggregation range and the number of the aggregated vehicles according to whether the longitude and latitude coordinates of the vehicles in the stay positioning points and the last positioning points are overlapped or approximately overlapped, if a plurality of vehicles stay in the same aggregation range separately and a part of vehicles are off-line by the GPS satellite positioning device, and the off-line time is more than 12 hours, the LBS database generates early warning information and pushes the early warning information in real time.
2. A method for providing an early warning of fraudulent aggregation of loan vehicles, using the system of claim 1, comprising the steps of:
the method comprises the following steps that firstly, running longitude and latitude coordinate information and running communication time information of an automobile are collected in real time through a GPS satellite positioning device arranged in the automobile body, and the running information is sent to a vehicle checking platform service system through a GPRS wireless network for processing; a wireless network receiving device in the vehicle checking platform service system transmits the collected driving information to an LBS database for storage and processing, and obtains the working state of a GPS satellite positioning device and the driving stopping point information through the driving information, wherein the driving stopping point information comprises a stopping positioning point, stopping time and stopping duration;
secondly, judging an aggregation range and the number of aggregated vehicles according to whether the driving latitude and longitude coordinates are overlapped or approximately overlapped through the driving stop point information obtained from the LBS database, if a plurality of vehicles stay in the same aggregation range and the same time period for more than 6 hours or stay in the same aggregation range at different moments for more than 1 day, generating early warning information by the LBS database, and pushing the early warning information in real time; or the working state and the last positioning point of the GPS satellite positioning device are judged by utilizing the driving longitude and latitude coordinate information and the driving communication time information through the driving information collected in the LBS database, if the driving communication time stops updating, the GPS satellite positioning device is in an off-line state, the risk of dismantling the device exists, the gathering range and the number of gathered vehicles are judged according to whether the driving longitude and latitude coordinates in the last positioning point are overlapped or approximately overlapped, if a plurality of vehicles are in the same gathering range, the GPS satellite positioning device is off-line, and the off-line time is more than 12 hours, the LBS database generates early warning information and pushes the early warning information in real time; or judging a stop positioning point, a GPS satellite positioning device and a final positioning point thereof through driving information acquired in an LBS database and acquired driving stop point information, if the driving communication time stops updating, the GPS satellite positioning device is in an off-line state, the risk of device dismantling exists, judging the aggregation range and the number of aggregated vehicles according to whether driving longitude and latitude coordinates in the stop positioning point and the final positioning point are overlapped or approximately overlapped, if a plurality of vehicles stop in a same aggregation range separately and a part of GPS satellite positioning devices are off-line, and the off-line time is more than 12 hours, generating early warning information by the LBS database, and pushing the early warning information in real time.
3. The method of claim 2, wherein sensitive words are searched for to assist interpretation by location address when determining aggregation range and aggregation vehicle number or determining working state of GPS satellite positioning device and its final location point.
4. The method of claim 3, wherein the sensitive words include car repairs, car transactions, car repairs, and car quick repairs.
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