CN108537656A - A kind of vehicle loan air control system and method - Google Patents
A kind of vehicle loan air control system and method Download PDFInfo
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- CN108537656A CN108537656A CN201810259195.XA CN201810259195A CN108537656A CN 108537656 A CN108537656 A CN 108537656A CN 201810259195 A CN201810259195 A CN 201810259195A CN 108537656 A CN108537656 A CN 108537656A
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- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
The vehicle of the present invention borrows air control system, including information acquisition module, core business module, GPS monitoring modules, customer service module and non-performing asset processing module；Information acquisition module is used to acquire credit information before loan and with interface mode update to core business module；Core business module is used to the credit information received examine and approval results is sent information acquisition module；GPS monitoring modules carry out monitoring in 24 hours to the vehicle that examination ＆ approval pass through according to the result that core business module examines vehicle and the customer information of the vehicle are sent to customer service module when Risk-warning occurs in vehicle to be monitored；Customer service module carries out collection vehicle according to the customer information of the appearance Risk-warning vehicle received；Non-performing asset processing module carries out non-performing asset processing to the vehicle for the overdue problem of appearance that GPS monitoring modules monitor；The links that vehicle is borrowed to business of the present invention are integrated in a complete system, and running efficiency is higher.
Description
Technical field
The present invention relates to vehicles to borrow air control technical field, and in particular to a kind of vehicle loan air control system and method.
Background technology
With increasing for vehicle population, vehicle mortgage loan also gradually increases, and small amount, the single target of dispersion are to making loans
The risk control ability of mechanism produces great challenge.Traditional vehicle borrows air control and borrows the last stage mostly by manpower, experience, reality
Completion is adjusted to the greatest extent on ground, is isolated between flow seriously, efficiency and quality are all difficult to ensure.It is then faced with non-performing asset in loan, after borrowing
Collection is difficult, non-performing asset disposition is difficult, is also easy to produce liquidity risk.
Current vehicle borrows air control system, including following several：First is monitoring system after loan based on GPS positioning；It should
System will borrow rear portion and be allocated as impetus, stringent control vehicle location, once vehicle running orbit is abnormal or GPS works
It changes as situation, will all trigger the prior-warning device of the system, traced for follow-up assets and prerequisite is provided.
Second is the air control system using big data cross validation as air control means；Category system is more close to credit
Main attention is placed in the risk control before borrowing, is collected by multiparty data, cross validation verifies the loaning bill by air control pattern
The true financial situation of people, and whether have debt and repay ability etc..The system improves tradition and relies on merely to a certain extent
Situation of personnel's experience as air control foundation.
After a large amount of personal mortgage vehicle occurs, how to obtain personal reference situation and the later stage is monitored in real time, really
Protect the equity of creditor and Che Dai companies, and occur after violation of agreement how quick cost-recovering, and by GPS to vehicle into
Row control, and it is urgent problem accurately to estimate promise breaking probability before there is violation of agreement.
So that company avoids the intelligent air control technology of loss from having been more and more widely used to the full extent.
Need proposition one of a tightly knit structure, vehicle is borrowed the variation in real time of links data and simultaneously adjusted in real time according to monitoring situation
It takes, behavior of credit track intellectual analysis can be carried out to user identity and prejudges the vehicle loan air control system of promise breaking probability.
Invention content
The purpose of the present invention is to provide a kind of vehicles to borrow air control system and method, and business chain is borrowed to solve existing traditional vehicle
Item is unsmooth, the relatively low problem of running efficiency.
To achieve the above object, the technical scheme is that：
A kind of vehicle borrows air control system, including information acquisition module, core business module, GPS monitoring modules, customer service module and
Non-performing asset processing module；
Described information acquisition module is used to acquire credit information before loan and with interface mode update to core business
Module；
The core business module is used to the credit information received examine and approval results is sent information
Acquisition module；
The GPS monitoring modules are used to pass through examination ＆ approval according to the result that the core business module examines vehicle
Vehicle carry out 24 hours monitoring and the customer information of the vehicle is sent to customer service when Risk-warning occurs in vehicle to be monitored
Module；
The customer service module is used to carry out collection vehicle according to the customer information of the appearance Risk-warning vehicle received；
The vehicle for the overdue problem of appearance that the non-performing asset processing module is used to monitor the GPS monitoring modules into
The processing of row non-performing asset.
Wherein, described information acquisition module includes customer information collecting unit, vehicle information collection unit, third party's data
Acquiring unit and information collection unit；
The customer information collecting unit is used to acquire the customer information provided a loan and concurrently delivers letters breath collection unit；
The vehicle information collection unit, which is used to acquire, to be used for the information of vehicles of mortgage loan and concurrently delivers letters breath collection unit；
Third party's data capture unit is used to obtain the face recognition result of client, client from third party database
Reference report, client message registration, for mortgage loan vehicle valuation report and the vehicle maintenance log
It concurrently delivers letters breath collection unit；
Described information collection unit according to receive the customer information, the information of vehicles, the client face
Recognition result, the reference report of the client, the message registration of the client, the valuation report of the vehicle and the vehicle
Maintenance log generates credit information and is sent to core business module.
Wherein, the core business module includes the ends PC examination ＆ approval submodule, the ends APP examination ＆ approval submodule and receives breath module；
The refund situation received breath module and be used to remind customer service to track client according to the detail of monthly refunding of client.
Wherein, examination ＆ approval submodule in the ends PC includes the first data analysis unit, the first electric document examination member, the first general comment unit, the
Unit, the first air control master are verified in one shops's air control unit, the first customer service signing unit, the first data verification unit, the first positioning
Pipe granted unit, the first contract recombiner unit and first are made loans single generation unit；
First data analysis unit is used to the credit information analyze and send out credit information analysis result
Send the first electric document examination member and the first general comment unit；
Described first electric document examination member is used to carry out phone audit and audit phone to tie to the credit information analysis result
Fruit sends the first general comment unit；
The first general comment unit is used to carry out credit information according to credit information analysis result and phone auditing result
Credit information evaluation result is simultaneously sent first shops's air control unit by overall merit；
The first shops air control unit is used to automatically generate contract according to the credit information evaluation result received
And the contract is sent to the first customer service signing unit；
First customer service signing unit is used to generate signing after receiving the contract and orders and be sent to described the
One data verification unit；
The first data verification unit carries out data verification after receiving signing order to client；If Ke Huzi
Material audit passes through, then customer data auditing result is sent to first positioning verifies unit；Otherwise, it is total to return to described first
Comment unit；
First positioning is verified unit and is used for according to the customer data auditing result received to corresponding vehicle
Carry out positioning verification；If vehicle location verification passes through, then it is single result transmission the first air control supervisor's mandate to be verified into vehicle location
Member；Otherwise, the first customer service signing unit is returned；
First air control supervisor's granted unit receives the vehicle location verification result generation air control for basis and awards
It weighs and air control authorization command is sent to the first contract recombiner unit；
The first contract recombiner unit is used to carry out the contract according to the air control authorization command received compound；If
Contract is compound to be passed through, then sends order of making loans and make loans single generation unit to described first；Otherwise, first data verification is returned
Unit；
Described first make loans single generation unit for receive make loans order after generate to make loans and list and be sent to finance.
Wherein, it includes the second data analysis unit, second that the ends the APP examination ＆ approval submodule, which includes the ends APP examination ＆ approval submodule,
Electric document examination member, amended record unit, the second general comment unit, face document examination member, second shops's air control unit, the second customer service signing unit, the
Two data verification units, the second positioning verify unit, granted unit is responsible in the second air control, the second contract recombiner unit and second is put
Money list generation unit；
Second data analysis unit is used to the credit information analyze and send out credit information analysis result
Send the second electric document examination member knead dough document examination member；
Described second electric document examination member is used to carry out phone audit and audit phone to tie to the credit information analysis result
Fruit sends face document examination member；
The face document examination member be used for according to the credit information analysis result and phone auditing result to client and vehicle into
Row face examine and by face conclude fruit send the second general comment unit；
The amended record unit is used to be automatically generated for the amended record document of appraiser's typing information；
The second general comment unit is used to conclude fruit to credit information progress overall merit according to the face and believes loan
It ceases evaluation result and sends second shops's air control unit；
The second shops air control unit is used to automatically generate contract according to the credit information evaluation result and by contract
Send the second customer service signing unit；
Second customer service signing unit is used to generate signing after receiving the contract and orders and be sent to described the
Two data verification units；
The second data verification unit carries out data verification after receiving signing order to client；If Ke Huzi
Material audit passes through, then customer data auditing result is sent to second positioning verifies unit；Otherwise, it is total to return to described second
Comment unit；
Second positioning is verified unit and is used for according to the customer data auditing result received to corresponding vehicle
Carry out positioning verification；If vehicle location verification passes through, then it is single result transmission the second air control supervisor's mandate to be verified into vehicle location
Member；Otherwise, the second customer service signing unit is returned；
Second air control supervisor's granted unit receives the vehicle location verification result generation air control for basis and awards
It weighs and air control authorization command is sent to the second contract recombiner unit；
The second contract recombiner unit is used to carry out the contract according to the air control authorization command received compound；If
Contract is compound to be passed through, then sends order of making loans and make loans single generation unit to described second；Otherwise, second data verification is returned
Unit；
Described second make loans single generation unit for receive make loans order after generate to make loans and list and be sent to finance.
Wherein, the GPS monitoring modules include that Risk-warning unit, the overdue prompt unit of client and customer information push away automatically
Send unit；
The Risk-warning unit, which is used to be monitored according to GPS, determines probability that risk occurs and when risk occurs or wind
Danger sends warning information and is sent to customer information automatic push unit before occurring；
The overdue prompt unit of client is for sending overdue prompting message in the expired non-interest payment of client and sending
To customer information automatic push unit；
The customer information automatic push unit will be corresponding according to the warning information or overdue prompting message that receive
Customer information sends the customer service module.
Wherein, the customer service module includes intelligent collection unit and artificial collection unit；
The artificial collection unit is used to carry out one touch dial in the case where hiding customer information to customer service and record automatically
Sound realizes the collection vehicle to client；
The intelligence collection unit is used to carry out automatic collection to corresponding client according to the customer information received
Vehicle.
Wherein, the non-performing asset processing module includes processing unit on non-performing asset information display unit and line；
The non-performing asset information display unit is for showing that the appearance that all GPS monitoring modules monitor is overdue
The information of the vehicle of problem；
Processing unit is used for overdue towing back to and be confirmed as the vehicle of non-performing asset into handling on line on the line.
Wherein, each client is endowed unique mark in the vehicle borrows air control system, corresponds to the number of the same client
It is operated according to according to the unique mark；The data are stored on Cloud Server；
A kind of vehicle loan air control method, air control system, including step are borrowed for the vehicle：
S1, described information acquisition module acquire credit information before loan and with interface mode updates to core business mould
Block；
S2, the core business module carry out examination ＆ approval to the credit information received and adopt approval results transmission information
Collect module and GPS monitoring modules；
S3, the GPS monitoring modules according to the approval results to the vehicle that passes through of examination ＆ approval carry out monitoring in 24 hours and
The customer information of the vehicle is sent to customer service module when vehicle to be monitored Risk-warning occurs or fails to pay interest on time；
S4, the customer service module are believed according to the client of the appearance Risk-warning received or the vehicle for failing to pay interest on time
Breath carries out collection vehicle；
S5, the overdue problem of appearance that the non-performing asset processing module monitors the GPS monitoring modules and dragged
The vehicle for being confirmed as non-performing asset after returning carries out non-performing asset processing.
Wherein, it includes being examined by the ends PC that the core business module carries out examination ＆ approval to the credit information received
Submodule carries out examination ＆ approval and examines submodule by the ends APP to examine the credit information to the credit information.
Wherein, it includes step to examine submodule to carry out examination ＆ approval to the credit information by the ends PC：
First data analysis unit carries out analysis to the credit information and credit information analysis result is sent the
One electric document examination member and the first general comment unit；
Described first electric document examination member carries out phone audit to the credit information analysis result and sends out phone auditing result
Send the first general comment unit；
The first general comment unit integrates credit information according to credit information analysis result and phone auditing result
It evaluates and credit information evaluation result is sent into first shops's air control unit；
The first shops air control unit automatically generates contract according to the credit information evaluation result received and will
The contract is sent to the first customer service signing unit；
The first customer service signing unit generates signing after receiving the contract and orders and be sent to first money
Material audit unit；
The first data verification unit carries out data verification after receiving signing order to client；If Ke Huzi
Material audit passes through, then customer data auditing result is sent to first positioning verifies unit；Otherwise, it is total to return to described first
Comment unit；
The first positioning check list member carries out corresponding vehicle according to the customer data auditing result received
Positioning is verified；If vehicle location verification passes through, then result is verified into vehicle location and send the first air control supervisor's granted unit；
Otherwise, the first customer service signing unit is returned；
First air control supervisor's granted unit receives the vehicle location verification result generation air control for basis and awards
It weighs and air control authorization command is sent to the first contract recombiner unit；
The first contract recombiner unit carries out the contract according to the air control authorization command received compound；If contract
It is compound to pass through, then it sends order of making loans and makes loans single generation unit to described first；Otherwise, the first data verification list is returned
Member；
Described first make loans single generation unit receive make loans order after generate to make loans and list and be sent to finance.
Wherein, it includes step to examine submodule to carry out examination ＆ approval to the credit information by the ends APP：
Second data analysis unit carries out analysis to the credit information and credit information analysis result is sent the
Two electric document examination member knead dough document examination members；
The amended record automatic cell generation is used for the amended record document of appraiser's typing information；
Described second electric document examination member carries out phone audit to the credit information analysis result and sends out phone auditing result
Send face document examination first；
The face document examination member carries out face according to the credit information analysis result and phone auditing result to client and vehicle
It examines；
After beam is concluded in face, if amended record document is completed, by face conclude fruit send the second general comment unit；Otherwise,
Return to the amended record unit supplement amended record document；
The second general comment unit concludes fruit to credit information progress overall merit according to the face and comments credit information
Valence result sends second shops's air control unit；
The second shops air control unit automatically generates contract according to the credit information evaluation result and sends contract
Second customer service signing unit；
Second customer service signing unit is used to generate signing after receiving the contract and orders and be sent to described the
Two data verification units；
The second data verification unit carries out data verification after receiving signing order to client；If Ke Huzi
Material audit passes through, then customer data auditing result is sent to second positioning verifies unit；Otherwise, it is total to return to described second
Comment unit；
The second positioning check list member carries out corresponding vehicle according to the customer data auditing result received
Positioning is verified；If vehicle location verification passes through, then result is verified into vehicle location and send the second air control supervisor's granted unit；
Otherwise, the second customer service signing unit is returned；
Second air control supervisor's granted unit verifies result generation air control mandate simultaneously according to the vehicle location is received
Air control authorization command is sent to the second contract recombiner unit；
The second contract recombiner unit carries out the contract according to the air control authorization command received compound；If contract
It is compound to pass through, then it sends order of making loans and makes loans single generation unit to described second；Otherwise, the second data verification list is returned
Member；
Described second make loans single generation unit receive make loans order after generate to make loans and list and be sent to finance.
The invention has the advantages that：
The vehicle of the present invention borrows air control system, including information acquisition module, core business module, GPS monitoring modules, customer service mould
Block and non-performing asset processing module；
Described information acquisition module is used to acquire credit information before loan and with interface mode update to core business
Module；
The core business module is used to the credit information received examine and approval results is sent information
Acquisition module；
The GPS monitoring modules are used to pass through examination ＆ approval according to the result that the core business module examines vehicle
Vehicle carry out 24 hours monitoring and the customer information of the vehicle is sent to customer service when Risk-warning occurs in vehicle to be monitored
Module；
The customer service module is used to carry out collection vehicle according to the customer information of the appearance Risk-warning vehicle received；
The vehicle for the overdue problem of appearance that the non-performing asset processing module is used to monitor the GPS monitoring modules into
The processing of row non-performing asset；
The vehicle of the present invention borrows air control method, and air control system, including step are borrowed for the vehicle：
S1, described information acquisition module acquire credit information before loan and with interface mode updates to core business mould
Block；
S2, the core business module carry out examination ＆ approval to the credit information received and adopt approval results transmission information
Collect module and GPS monitoring modules；
S3, the GPS monitoring modules according to the approval results to the vehicle that passes through of examination ＆ approval carry out monitoring in 24 hours and
The customer information of the vehicle is sent to customer service module when vehicle to be monitored Risk-warning occurs or fails to pay interest on time；
S4, the customer service module are believed according to the client of the appearance Risk-warning received or the vehicle for failing to pay interest on time
Breath carries out collection vehicle；
S5, the overdue problem of appearance that the non-performing asset processing module monitors the GPS monitoring modules and dragged
The vehicle for being confirmed as non-performing asset after returning carries out non-performing asset processing；
The links that vehicle is borrowed to business of the present invention are integrated in a complete system, and running efficiency is higher, air control
Data source is abundant, and risk control effect is preferable before borrowing, and can carry out effective risk control to promise breaking after loan, be not likely to produce stream
Dynamic property risk；
The unsmooth problem of the on-line off-line data transmission of industry is borrowed for current vehicle, this programme design structure is rigorous, and vehicle is borrowed each
A link data are changed and are transferred in real time according to monitoring situation in real time, while significant data is carried out intelligent grabbing and is carried out
It achieves, and realizes multithreading service, sensitive data automatic archiving, which generates, to be reported, experienced air control team audits and provides under warp
Scheme carries out behavior of credit track intellectual analysis, anticipation promise breaking probability to user identity.
Description of the drawings
Fig. 1 is the system function module figure of the present invention.
Fig. 2 is that the vehicle of the present invention borrows air control method flow diagram.
1- information acquisition modules；2- core business modules；3-GPS monitoring modules；4- customer service modules；The processing of 5- non-performing assets
Module.
Specific implementation mode
The following examples are used to illustrate the present invention, but are not intended to limit the scope of the present invention..
Embodiment 1
The vehicle of the present invention borrows air control system, including information acquisition module 1, core business module 2, GPS monitoring modules 3, visitor
Take module 4 and non-performing asset processing module 5；
Described information acquisition module 1 is used to acquire credit information before loan and with interface mode update to core business
Module 2；
The core business module 2 is used to the credit information received examine and approval results is sent information
Acquisition module 1；
The result that the GPS monitoring modules 3 are used to examine vehicle according to the core business module 2 is logical to examining
The vehicle crossed carries out monitoring in 24 hours and the customer information of the vehicle is sent to visitor when Risk-warning occurs in vehicle to be monitored
Take module 4；
The customer service module 4 is used to carry out collection vehicle according to the customer information of the appearance Risk-warning vehicle received；
The vehicle for the overdue problem of appearance that the non-performing asset processing module 5 is used to monitor the GPS monitoring modules 3
Carry out non-performing asset processing.
The links that vehicle is borrowed to business of the present invention are integrated in a complete system, and running efficiency is higher, air control
Data source is abundant, and risk control effect is preferable before borrowing, and can carry out effective risk control to promise breaking after loan, be not likely to produce stream
Dynamic property risk；
The unsmooth problem of the on-line off-line data transmission of industry is borrowed for current vehicle, this programme design structure is rigorous, and vehicle is borrowed each
A link data are changed and are transferred in real time according to monitoring situation in real time, while significant data is carried out intelligent grabbing and is carried out
It achieves, and realizes multithreading service, sensitive data automatic archiving, which generates, to be reported, experienced air control team audits and provides under warp
Scheme carries out behavior of credit track intellectual analysis, anticipation promise breaking probability to user identity.
Embodiment 2
Further, increase following feature on the basis of embodiment 1：
Described information acquisition module 1 includes customer information collecting unit, vehicle information collection unit, third party's data acquisition
Unit and information collection unit；
The customer information collecting unit is used to acquire the customer information provided a loan and concurrently delivers letters breath collection unit；
The vehicle information collection unit, which is used to acquire, to be used for the information of vehicles of mortgage loan and concurrently delivers letters breath collection unit；
Third party's data capture unit is used to obtain the face recognition result of client, client from third party database
Reference report, client message registration, for mortgage loan vehicle valuation report and the vehicle maintenance log
It concurrently delivers letters breath collection unit；
Described information collection unit according to receive the customer information, the information of vehicles, the client face
Recognition result, the reference report of the client, the message registration of the client, the valuation report of the vehicle and the vehicle
Maintenance log generates credit information and is sent to core business module 2.
The core business module 2 includes the ends PC examination ＆ approval submodule, the ends APP examination ＆ approval submodule and receives breath module；
The refund situation received breath module and be used to remind customer service to track client according to the detail of monthly refunding of client.
It includes the first data analysis unit, the first electric document examination member, the first general comment unit, the first shops that submodule is examined at the ends PC
Air control unit, the first customer service signing unit, the first data verification unit, unit is verified in the first positioning, the first air control supervisor authorizes
Unit, the first contract recombiner unit and first are made loans single generation unit；
First data analysis unit is used to the credit information analyze and send out credit information analysis result
Send the first electric document examination member and the first general comment unit；
Described first electric document examination member is used to carry out phone audit and audit phone to tie to the credit information analysis result
Fruit sends the first general comment unit；
The first general comment unit is used to carry out credit information according to credit information analysis result and phone auditing result
Credit information evaluation result is simultaneously sent first shops's air control unit by overall merit；
The first shops air control unit is used to automatically generate contract according to the credit information evaluation result received
And the contract is sent to the first customer service signing unit；
First customer service signing unit is used to generate signing after receiving the contract and orders and be sent to described the
One data verification unit；
The first data verification unit carries out data verification after receiving signing order to client；If Ke Huzi
Material audit passes through, then customer data auditing result is sent to first positioning verifies unit；Otherwise, it is total to return to described first
Comment unit；
First positioning is verified unit and is used for according to the customer data auditing result received to corresponding vehicle
Carry out positioning verification；If vehicle location verification passes through, then it is single result transmission the first air control supervisor's mandate to be verified into vehicle location
Member；Otherwise, the first customer service signing unit is returned；
First air control supervisor's granted unit receives the vehicle location verification result generation air control for basis and awards
It weighs and air control authorization command is sent to the first contract recombiner unit；
The first contract recombiner unit is used to carry out the contract according to the air control authorization command received compound；If
Contract is compound to be passed through, then sends order of making loans and make loans single generation unit to described first；Otherwise, first data verification is returned
Unit；
Described first make loans single generation unit for receive make loans order after generate to make loans and list and be sent to finance.
The ends the APP examination ＆ approval submodule includes that the ends APP examination ＆ approval submodule includes the second data analysis unit, the second electric document examination
Member, amended record unit, the second general comment unit, face document examination member, second shops's air control unit, the second customer service signing unit, the second data
Audit unit, the second positioning verify unit, the second air control supervisor granted unit, the second contract recombiner unit and second and make loans Dan Sheng
At unit；
Second data analysis unit is used to the credit information analyze and send out credit information analysis result
Send the second electric document examination member knead dough document examination member；
Described second electric document examination member is used to carry out phone audit and audit phone to tie to the credit information analysis result
Fruit sends face document examination member；
The face document examination member be used for according to the credit information analysis result and phone auditing result to client and vehicle into
Row face examine and by face conclude fruit send the second general comment unit；
The amended record unit is used to be automatically generated for the amended record document of appraiser's typing information；
The second general comment unit is used to conclude fruit to credit information progress overall merit according to the face and believes loan
It ceases evaluation result and sends second shops's air control unit；
The second shops air control unit is used to automatically generate contract according to the credit information evaluation result and by contract
Send the second customer service signing unit；
Second customer service signing unit is used to generate signing after receiving the contract and orders and be sent to described the
Two data verification units；
The second data verification unit carries out data verification after receiving signing order to client；If Ke Huzi
Material audit passes through, then customer data auditing result is sent to second positioning verifies unit；Otherwise, it is total to return to described second
Comment unit；
Second positioning is verified unit and is used for according to the customer data auditing result received to corresponding vehicle
Carry out positioning verification；If vehicle location verification passes through, then it is single result transmission the second air control supervisor's mandate to be verified into vehicle location
Member；Otherwise, the second customer service signing unit is returned；
Second air control supervisor's granted unit receives the vehicle location verification result generation air control for basis and awards
It weighs and air control authorization command is sent to the second contract recombiner unit；
The second contract recombiner unit is used to carry out the contract according to the air control authorization command received compound；If
Contract is compound to be passed through, then sends order of making loans and make loans single generation unit to described second；Otherwise, second data verification is returned
Unit；
Described second make loans single generation unit for receive make loans order after generate to make loans and list and be sent to finance.
The GPS monitoring modules 3 include Risk-warning unit, the overdue prompt unit of client and customer information automatic push list
Member；
The Risk-warning unit, which is used to be monitored according to GPS, determines probability that risk occurs and when risk occurs or wind
Danger sends warning information and is sent to customer information automatic push unit before occurring；
The overdue prompt unit of client is for sending overdue prompting message in the expired non-interest payment of client and sending
To customer information automatic push unit；
The customer information automatic push unit will be corresponding according to the warning information or overdue prompting message that receive
Customer information sends the customer service module 4.
The customer service module 4 includes intelligent collection unit and artificial collection unit；
The artificial collection unit is used to carry out one touch dial in the case where hiding customer information to customer service and record automatically
Sound realizes the collection vehicle to client；
The intelligence collection unit is used to carry out automatic collection to corresponding client according to the customer information received
Vehicle.
The non-performing asset processing module 5 includes processing unit on non-performing asset information display unit and line；
The non-performing asset information display unit is used to show that all GPS monitoring modules 3 monitored to exceed
The information of the vehicle of phase problem；
Processing unit is used for overdue towing back to and be confirmed as the vehicle of non-performing asset into handling on line on the line.
Each client is endowed unique mark in the vehicle borrows air control system, correspond to the data of the same client according to
The unique mark is operated；The data are stored on Cloud Server；
Embodiment 3
Further, increase following feature on the basis of embodiment 2：
The vehicle of embodiment 2 borrows air control method, and air control system, including step are borrowed for the vehicle：
S1, described information acquisition module 1 acquire credit information before loan and with interface mode updates to core business
Module 2；
S2, the core business module 2 to the credit information received examine and approval results are sent information
Acquisition module 1 and GPS monitoring modules 3；
S3, the GPS monitoring modules 3 according to the approval results to the vehicle that passes through of examination ＆ approval carry out monitoring in 24 hours and
The customer information of the vehicle is sent to customer service module 4 when vehicle to be monitored Risk-warning occurs or fails to pay interest on time；
S4, the customer service module 4 is according to the client of the appearance Risk-warning received or the vehicle for failing to pay interest on time
Information carries out collection vehicle；
S5, the overdue problem of appearance that the non-performing asset processing module 5 monitors the GPS monitoring modules 3 and by
The vehicle for being confirmed as non-performing asset after towing back to carries out non-performing asset processing.
The vehicle of the present invention borrows air control method and carries out assessing credit risks before loan, real-time collecting credit footprint in loan, to quick
Sense data carry out analyzing processing and generate report, give air control human assessment under line, file to promise breaking information intelligent after loan, intelligence on line
It is combined under energy collection and line, utmostly reduces loss, timely cost recovery.
It includes examining submodule by the ends PC that the core business module 2 carries out examination ＆ approval to the credit information received
Block carries out examination ＆ approval and examines submodule by the ends APP to examine the credit information to the credit information.
It includes step to examine submodule to carry out examination ＆ approval to the credit information by the ends PC：
First data analysis unit carries out analysis to the credit information and credit information analysis result is sent the
One electric document examination member and the first general comment unit；
Described first electric document examination member carries out phone audit to the credit information analysis result and sends out phone auditing result
Send the first general comment unit；
The first general comment unit integrates credit information according to credit information analysis result and phone auditing result
It evaluates and credit information evaluation result is sent into first shops's air control unit；
The first shops air control unit automatically generates contract according to the credit information evaluation result received and will
The contract is sent to the first customer service signing unit；
The first customer service signing unit generates signing after receiving the contract and orders and be sent to first money
Material audit unit；
The first data verification unit carries out data verification after receiving signing order to client；If Ke Huzi
Material audit passes through, then customer data auditing result is sent to first positioning verifies unit；Otherwise, it is total to return to described first
Comment unit；
The first positioning check list member carries out corresponding vehicle according to the customer data auditing result received
Positioning is verified；If vehicle location verification passes through, then result is verified into vehicle location and send the first air control supervisor's granted unit；
Otherwise, the first customer service signing unit is returned；
First air control supervisor's granted unit receives the vehicle location verification result generation air control for basis and awards
It weighs and air control authorization command is sent to the first contract recombiner unit；
The first contract recombiner unit carries out the contract according to the air control authorization command received compound；If contract
It is compound to pass through, then it sends order of making loans and makes loans single generation unit to described first；Otherwise, the first data verification list is returned
Member；
Described first make loans single generation unit receive make loans order after generate to make loans and list and be sent to finance.
It includes step to examine submodule to carry out examination ＆ approval to the credit information by the ends APP：
Second data analysis unit carries out analysis to the credit information and credit information analysis result is sent the
Two electric document examination member knead dough document examination members；
The amended record automatic cell generation is used for the amended record document of appraiser's typing information；
Described second electric document examination member carries out phone audit to the credit information analysis result and sends out phone auditing result
Send face document examination first；
The face document examination member carries out face according to the credit information analysis result and phone auditing result to client and vehicle
It examines；
After beam is concluded in face, if amended record document is completed, by face conclude fruit send the second general comment unit；Otherwise,
Return to the amended record unit supplement amended record document；
The second general comment unit concludes fruit to credit information progress overall merit according to the face and comments credit information
Valence result sends second shops's air control unit；
The second shops air control unit automatically generates contract according to the credit information evaluation result and sends contract
Second customer service signing unit；
Second customer service signing unit is used to generate signing after receiving the contract and orders and be sent to described the
Two data verification units；
The second data verification unit carries out data verification after receiving signing order to client；If Ke Huzi
Material audit passes through, then customer data auditing result is sent to second positioning verifies unit；Otherwise, it is total to return to described second
Comment unit；
The second positioning check list member carries out corresponding vehicle according to the customer data auditing result received
Positioning is verified；If vehicle location verification passes through, then result is verified into vehicle location and send the second air control supervisor's granted unit；
Otherwise, the second customer service signing unit is returned；
Second air control supervisor's granted unit verifies result generation air control mandate simultaneously according to the vehicle location is received
Air control authorization command is sent to the second contract recombiner unit；
The second contract recombiner unit carries out the contract according to the air control authorization command received compound；If contract
It is compound to pass through, then it sends order of making loans and makes loans single generation unit to described second；Otherwise, the second data verification list is returned
Member；
Described second make loans single generation unit receive make loans order after generate to make loans and list and be sent to finance.
Although above having used general explanation and specific embodiment, the present invention is described in detail, at this
On the basis of invention, it can be made some modifications or improvements, this will be apparent to those skilled in the art.Therefore,
These modifications or improvements without departing from theon the basis of the spirit of the present invention belong to the scope of protection of present invention.
Claims (10)
1. a kind of vehicle borrows air control system, which is characterized in that including information acquisition module (1), core business module (2), GPS monitoring
Module (3), customer service module (4) and non-performing asset processing module (5)；
Described information acquisition module (1) is used to acquire credit information before loan and with interface mode update to core business mould
Block (2)；
The core business module (2) is used to carry out examination ＆ approval to the credit information received and adopts approval results transmission information
Collect module (1)；
The result that the GPS monitoring modules (3) are used to examine vehicle according to the core business module (2) is logical to examining
The vehicle crossed carries out monitoring in 24 hours and the customer information of the vehicle is sent to visitor when Risk-warning occurs in vehicle to be monitored
Take module (4)；
The customer service module (4) is used to carry out collection vehicle according to the customer information of the appearance Risk-warning vehicle received；
The vehicle for the overdue problem of appearance that the non-performing asset processing module (5) is used to monitor the GPS monitoring modules (3)
Carry out non-performing asset processing.
2. vehicle borrows air control system according to claim 1, which is characterized in that described information acquisition module (1) includes client's letter
Cease collecting unit, vehicle information collection unit, third party's data capture unit and information collection unit；
The customer information collecting unit is used to acquire the customer information provided a loan and concurrently delivers letters breath collection unit；
The vehicle information collection unit, which is used to acquire, to be used for the information of vehicles of mortgage loan and concurrently delivers letters breath collection unit；
Third party's data capture unit is used to obtain face recognition result, the reference of client of client from third party database
Report, client message registration, for the valuation report and the vehicle of the vehicle of mortgage loan maintenance log it is concurrent
It delivers letters breath collection unit；
Described information collection unit is according to the recognition of face of the customer information, the information of vehicles, the client that receive
As a result, the reference report of the client, the message registration of the client, the vehicle valuation report and the vehicle repair
Maintenance record generates credit information and is sent to core business module (2).
3. vehicle borrows air control system according to claim 2, which is characterized in that the core business module (2) includes that the ends PC are examined
It criticizes submodule, the ends APP examination ＆ approval submodule and receives breath module；
The refund situation received breath module and be used to remind customer service to track client according to the detail of monthly refunding of client.
4. vehicle borrows air control system according to claim 3, which is characterized in that the ends the PC examination ＆ approval submodule includes the first data
Analytic unit, the first electric document examination member, the first general comment unit, first shops's air control unit, the first customer service signing unit, the first data
Audit unit, the first positioning verify unit, the first air control supervisor granted unit, the first contract recombiner unit and first and make loans Dan Sheng
At unit；
First data analysis unit is used to carry out analysis to the credit information and credit information analysis result is sent the
One electric document examination member and the first general comment unit；
Described first electric document examination member is used to carry out phone audit to the credit information analysis result and sends out phone auditing result
Send the first general comment unit；
The first general comment unit is for integrating credit information according to credit information analysis result and phone auditing result
It evaluates and credit information evaluation result is sent into first shops's air control unit；
The first shops air control unit is used to automatically generate contract according to the credit information evaluation result received and will
The contract is sent to the first customer service signing unit；
The first customer service signing unit is used to generate signing after receiving the contract and orders and be sent to first money
Material audit unit；
The first data verification unit carries out data verification after receiving signing order to client；If customer data is examined
Core passes through, then customer data auditing result is sent to first positioning verifies unit；Otherwise, the first general comment list is returned
Member；
First positioning verifies unit and is used to carry out corresponding vehicle according to the customer data auditing result received
Positioning is verified；If vehicle location verification passes through, then result is verified into vehicle location and send the first air control supervisor's granted unit；
Otherwise, the first customer service signing unit is returned；
The first air control supervisor granted unit is used for basis and receives the vehicle location verification result generation air control mandate simultaneously
Air control authorization command is sent to the first contract recombiner unit；
The first contract recombiner unit is used to carry out the contract according to the air control authorization command received compound；If contract
It is compound to pass through, then it sends order of making loans and makes loans single generation unit to described first；Otherwise, the first data verification list is returned
Member；
Described first make loans single generation unit for receive make loans order after generate to make loans and list and be sent to finance.
5. vehicle borrows air control system according to claim 4, which is characterized in that the ends the APP examination ＆ approval submodule includes that the ends APP are examined
It includes the second data analysis unit, the second electric document examination member, amended record unit, the second general comment unit, face document examination member, second to criticize submodule
Unit, the second air control supervisor are verified in shops's air control unit, the second customer service signing unit, the second data verification unit, the second positioning
Granted unit, the second contract recombiner unit and second are made loans single generation unit；
Second data analysis unit is used to carry out analysis to the credit information and credit information analysis result is sent the
Two electric document examination member knead dough document examination members；
Described second electric document examination member is used to carry out phone audit to the credit information analysis result and sends out phone auditing result
Send face document examination first；
The face document examination member is used to carry out face to client and vehicle according to the credit information analysis result and phone auditing result
Examine and by face conclude fruit send the second general comment unit；
The amended record unit is used to be automatically generated for the amended record document of appraiser's typing information；
The second general comment unit is used to conclude fruit to credit information progress overall merit according to the face and comments credit information
Valence result sends second shops's air control unit；
The second shops air control unit is for automatically generating contract according to the credit information evaluation result and sending contract
Second customer service signing unit；
The second customer service signing unit is used to generate signing after receiving the contract and orders and be sent to second money
Material audit unit；
The second data verification unit carries out data verification after receiving signing order to client；If customer data is examined
Core passes through, then customer data auditing result is sent to second positioning verifies unit；Otherwise, the second general comment list is returned
Member；
Second positioning verifies unit and is used to carry out corresponding vehicle according to the customer data auditing result received
Positioning is verified；If vehicle location verification passes through, then result is verified into vehicle location and send the second air control supervisor's granted unit；
Otherwise, the second customer service signing unit is returned；
The second air control supervisor granted unit is used for basis and receives the vehicle location verification result generation air control mandate simultaneously
Air control authorization command is sent to the second contract recombiner unit；
The second contract recombiner unit is used to carry out the contract according to the air control authorization command received compound；If contract
It is compound to pass through, then it sends order of making loans and makes loans single generation unit to described second；Otherwise, the second data verification list is returned
Member；
Described second make loans single generation unit for receive make loans order after generate to make loans and list and be sent to finance.
6. vehicle borrows air control system according to claim 5, which is characterized in that the GPS monitoring modules (3) include Risk-warning
Unit, the overdue prompt unit of client and customer information automatic push unit；
The Risk-warning unit, which is used to be monitored according to GPS, determines probability that risk occurs and when risk occurs or risk goes out
Warning information is sent before existing and is sent to customer information automatic push unit；
The overdue prompt unit of client is for sending overdue prompting message in the expired non-interest payment of client and being sent to visitor
Family information is to automatic push unit；
The customer information automatic push unit is according to the warning information or overdue prompting message received by corresponding client
Information sends the customer service module (4).
7. vehicle borrows air control system according to claim 6, which is characterized in that the customer service module (4) includes intelligent collection list
First and artificial collection unit；
The artificial collection unit is used to carry out one touch dial in the case where hiding customer information to customer service and automatic recording is real
Now to the collection vehicle of client；
The intelligence collection unit is used to carry out automatic collection vehicle to corresponding client according to the customer information received.
8. vehicle borrows air control system according to claim 7, which is characterized in that the non-performing asset processing module (5) includes not
Processing unit on good assets information display unit and line；
The non-performing asset information display unit is for showing that the appearance that all GPS monitoring modules (3) monitor is overdue
The information of the vehicle of problem；
Processing unit is used for overdue towing back to and be confirmed as the vehicle of non-performing asset into handling on line on the line.
9. vehicle borrows air control system according to claim 8, which is characterized in that each client quilt in the vehicle borrows air control system
Unique mark is assigned, is operated according to the unique mark corresponding to the data of the same client；The data are stored in cloud
On server.
10. a kind of vehicle borrows air control method, air control system is borrowed for vehicle described in claim 9, which is characterized in that including step：
S1, described information acquisition module (1) acquire credit information before loan and with interface mode updates to core business mould
Block (2)；
S2, the core business module (2) carry out examination ＆ approval to the credit information received and adopt approval results transmission information
Collect module (1) and GPS monitoring modules (3)；
S3, the GPS monitoring modules (3) to the vehicle that examination ＆ approval pass through monitor and in quilt within 24 hours according to the approval results
The customer information of the vehicle is sent to customer service module (4) when monitoring vehicle Risk-warning occurs or fails to pay interest on time；
S4, the customer service module (4) are believed according to the client of the appearance Risk-warning or the vehicle for failing to pay interest on time that receive
Breath carries out collection vehicle；
S5, the overdue problem of appearance that the non-performing asset processing module (5) monitors the GPS monitoring modules (3) and by
The vehicle for being confirmed as non-performing asset after towing back to carries out non-performing asset processing；
It includes examining submodule by the ends PC that the core business module (2) carries out examination ＆ approval to the credit information received
The credit information is carried out examination ＆ approval and examines submodule by the ends APP to examine the credit information；
It includes step to examine submodule to carry out examination ＆ approval to the credit information by the ends PC：
First data analysis unit carries out analysis to the credit information and credit information analysis result is sent the first electricity
Document examination member and the first general comment unit；
The first electric document examination member carries out phone audit to the credit information analysis result and phone auditing result is sent the
One general comment unit；
The first general comment unit carries out overall merit according to credit information analysis result and phone auditing result to credit information
And credit information evaluation result is sent into first shops's air control unit；
The first shops air control unit automatically generates contract according to the credit information evaluation result received and will be described
Contract is sent to the first customer service signing unit；
The first customer service signing unit generates signing order after receiving the contract and is sent to first data and examines
Nuclear unit；
The first data verification unit carries out data verification after receiving signing order to client；If customer data is examined
Core passes through, then customer data auditing result is sent to first positioning verifies unit；Otherwise, the first general comment list is returned
Member；
The first positioning check list member positions corresponding vehicle according to the customer data auditing result received
It verifies；If vehicle location verification passes through, then result is verified into vehicle location and send the first air control supervisor's granted unit；Otherwise,
Return to the first customer service signing unit；
The first air control supervisor granted unit is used for basis and receives the vehicle location verification result generation air control mandate simultaneously
Air control authorization command is sent to the first contract recombiner unit；
The first contract recombiner unit carries out the contract according to the air control authorization command received compound；If contract is compound
Pass through, then sends order of making loans and make loans single generation unit to described first；Otherwise, the first data verification unit is returned；
Described first make loans single generation unit receive make loans order after generate to make loans and list and be sent to finance；
It includes step to examine submodule to carry out examination ＆ approval to the credit information by the ends APP：
Second data analysis unit carries out analysis to the credit information and credit information analysis result is sent the second electricity
Document examination member knead dough document examination member；
The amended record automatic cell generation is used for the amended record document of appraiser's typing information；
Described second electric document examination member carries out phone audit to the credit information analysis result and phone auditing result is sent face
Document examination member；
The face document examination member carries out face to client and vehicle according to the credit information analysis result and phone auditing result and examines；
After beam is concluded in face, if amended record document is completed, by face conclude fruit send the second general comment unit；Otherwise, it returns
The amended record unit supplements amended record document；
The second general comment unit concludes fruit to credit information progress overall merit according to the face and credit information is evaluated knot
Fruit sends second shops's air control unit；
The second shops air control unit automatically generates contract according to the credit information evaluation result and contract is sent second
Customer service signing unit；
The second customer service signing unit is used to generate signing after receiving the contract and orders and be sent to second money
Material audit unit；
The second data verification unit carries out data verification after receiving signing order to client；If customer data is examined
Core passes through, then customer data auditing result is sent to second positioning verifies unit；Otherwise, the second general comment list is returned
Member；
The second positioning check list member positions corresponding vehicle according to the customer data auditing result received
It verifies；If vehicle location verification passes through, then result is verified into vehicle location and send the second air control supervisor's granted unit；Otherwise,
Return to the second customer service signing unit；
Second air control supervisor's granted unit verifies result generation air control mandate and by wind according to the vehicle location is received
Control authorization command is sent to the second contract recombiner unit；
The second contract recombiner unit carries out the contract according to the air control authorization command received compound；If contract is compound
Pass through, then sends order of making loans and make loans single generation unit to described second；Otherwise, the second data verification unit is returned；
Described second make loans single generation unit receive make loans order after generate to make loans and list and be sent to finance.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810259195.XA CN108537656A (en) | 2018-03-27 | 2018-03-27 | A kind of vehicle loan air control system and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810259195.XA CN108537656A (en) | 2018-03-27 | 2018-03-27 | A kind of vehicle loan air control system and method |
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| Publication Number | Publication Date |
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| CN108537656A true CN108537656A (en) | 2018-09-14 |
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ID=63483722
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| CN201810259195.XA Pending CN108537656A (en) | 2018-03-27 | 2018-03-27 | A kind of vehicle loan air control system and method |
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| CN109754568A (en) * | 2019-01-15 | 2019-05-14 | 深圳华云网科技有限公司 | Vehicle is borrowed rear vehicle more days and does not travel alarm method |
| CN109886803A (en) * | 2019-02-14 | 2019-06-14 | 成都路行通信息技术有限公司 | Risk analysis model, method and model building method after a kind of loan |
| CN109903150A (en) * | 2019-01-21 | 2019-06-18 | 深圳华云网科技有限公司 | Vehicle borrows risk evaluating system and method |
| CN110874792A (en) * | 2019-11-15 | 2020-03-10 | 安徽海汇金融投资集团有限公司 | Method and system for checking and activating bad asset project |
| CN111325622A (en) * | 2020-03-17 | 2020-06-23 | 上海万位数字技术有限公司 | Automobile finance risk identification system |
| CN112150270A (en) * | 2020-09-18 | 2020-12-29 | 中国建设银行股份有限公司 | Method, device, equipment and computer readable medium for monitoring vehicle information |
| CN112600899A (en) * | 2020-12-08 | 2021-04-02 | 台州动产质押金融服务有限公司 | Resource obtaining method, equipment and medium based on vehicle |
| CN112862586A (en) * | 2020-12-03 | 2021-05-28 | 浙江惠瀜网络科技有限公司 | Undesirable asset risk management system |
| CN116739799A (en) * | 2023-06-26 | 2023-09-12 | 明觉科技（北京）有限公司 | Vehicle accident loss assessment risk control method, device, electronic equipment and storage medium |
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