CN111915430A - Vehicle loan risk identification method and device based on vehicle frame number - Google Patents
Vehicle loan risk identification method and device based on vehicle frame number Download PDFInfo
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Abstract
The invention provides a vehicle loan risk identification method and device based on a vehicle frame number, which relate to the technical field of computers and comprise the steps of receiving a vehicle loan application, wherein the vehicle loan application comprises a target vehicle frame number and a borrower identifier; acquiring a target frame number event corresponding to the target frame number; when the risk event does not exist in the target frame number event, determining that the vehicle loan application is successful (the loan operation can be carried out); and determining the target risk level to which the borrower identifier belongs, and monitoring the frame number event corresponding to the target frame number in the repayment process according to the monitoring rule corresponding to the target risk level. Therefore, the vehicle loan risk identification is realized through the vehicle frame number event and the user portrait, and the reliability of the risk identification is improved.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a vehicle loan risk identification method and device based on a vehicle frame number.
Background
Currently, most of loan monitoring is to monitor some multi-head application behaviors of a person and determine whether new multi-head loans appear; and monitoring vehicle GPS track abnormity early warning. The prior art can not accurately make the post-loan manager to make a focus clear, can make the post-loan manager think disorderly, risk fatigue and can not achieve an ideal monitoring effect.
In the prior art, risks in loan are found only from a single angle of multi-head behaviors of people, the risks are slightly passive, a hand grip is lacked, effective risk early warning cannot be carried out, risks cannot be penetrated, and risk accumulation can be caused;
the GPS monitoring of the vehicle in the loan often plays the role of hindsight, the information is lagged, the sheep are killed and the reinforcement cannot be realized;
in the loan, the GPS monitoring of the vehicle has no key points, is easy to shield and remove, and can cause paralysis in the user mood and fail to grasp the key points to make a certain post-loan strategy when the false alarm rate is too high;
the prior art can not find risks in the first time, which can result in asset loss;
the prior art cannot monitor the risks during the periods of vehicle application, vehicle loan and loan vacancy and is easy to be utilized by fraudulent molecules.
Disclosure of Invention
The invention aims to provide a vehicle loan risk identification method and device based on a vehicle frame number, so as to solve the technical problem of poor risk identification reliability in the prior art.
In a first aspect, an embodiment of the present invention provides a vehicle loan risk identification method based on a vehicle frame number, including:
receiving a vehicle loan application, wherein the vehicle loan application comprises a target frame number and a borrower identification;
acquiring a target frame number event corresponding to the target frame number;
when the risk event does not exist in the target frame number event, determining that the vehicle loan application is successful (the loan operation can be carried out);
and determining the target risk level to which the borrower identifier belongs, and monitoring the frame number event corresponding to the target frame number in the repayment process according to the monitoring rule corresponding to the target risk level.
In an alternative embodiment, the method further comprises:
determining historical frame number events, wherein each historical frame number event corresponds to a user tag;
classifying based on the user tags, and determining historical frame number events corresponding to each category;
and determining the risk grade of each category according to the proportion of the risk events in the historical frame number events corresponding to each category.
In an alternative embodiment, the step of determining the target risk level to which the borrower identification pertains includes:
and determining the target category to which the borrower identifier belongs, wherein the risk level corresponding to the target category is the target risk level to which the borrower identifier belongs.
In an alternative embodiment, the method further comprises:
acquiring a frame number event in a period;
the risk level for each category is optimized based on the frame number events within the cycle.
In an alternative embodiment, the monitoring rule includes a risk weight for identifying the risk event, the higher the risk weight the higher the sensitivity of the risk event identification.
In an alternative embodiment, the method further comprises:
and when a risk event occurs in the frame number event corresponding to the target frame number in the repayment process, generating a disposal decision, and reminding based on the disposal decision.
In a second aspect, an embodiment of the present invention provides a frame number-based vehicle loan risk identification apparatus, including:
the system comprises a receiving module, a processing module and a processing module, wherein the receiving module is used for receiving a vehicle loan application, and the vehicle loan application comprises a target vehicle frame number and a borrower identifier;
the acquisition module is used for acquiring a target frame number event corresponding to the target frame number;
the determining module is used for determining that the vehicle loan application is successful (the vehicle loan application can be carried out) when the risk event does not exist in the target vehicle frame number event;
and the monitoring module is used for determining the target risk level to which the borrower identifier belongs and monitoring the frame number event corresponding to the target frame number in the repayment process according to the monitoring rule corresponding to the target risk level.
In an alternative embodiment, a portrait module is to:
determining historical frame number events, wherein each historical frame number event corresponds to a user tag;
classifying based on the user tags, and determining historical frame number events corresponding to each category;
and determining the risk grade of each category according to the proportion of the risk events in the historical frame number events corresponding to each category.
In a third aspect, an embodiment of the present invention provides a computer device, including a memory, a processor, and a camera, where the camera is configured to capture an image; the memory has stored therein a computer program operable on the processor, which when executed implements the steps of the method of any of the preceding embodiments.
In a fourth aspect, embodiments of the invention provide a computer readable storage medium having stored thereon machine executable instructions which, when invoked and executed by a processor, cause the processor to perform the method of any of the preceding embodiments.
The invention provides a vehicle loan risk identification method and device based on a vehicle frame number. Receiving a vehicle loan application, wherein the vehicle loan application comprises a target frame number and a borrower identification; acquiring a target frame number event corresponding to the target frame number; when the risk event does not exist in the target frame number event, determining that the vehicle loan application is successful; and determining the target risk level to which the borrower identifier belongs, and monitoring the frame number event corresponding to the target frame number in the repayment process according to the monitoring rule corresponding to the target risk level. Therefore, the vehicle loan risk identification is realized through the vehicle frame number event and the user portrait, and the reliability of the risk identification is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts.
Fig. 1 is a schematic flow chart of a vehicle loan risk identification method based on a vehicle frame number according to an embodiment of the present disclosure;
fig. 2 is an example of a car loan risk identification method based on a car frame number according to an embodiment of the present disclosure;
fig. 3 is a schematic structural diagram of a vehicle loan risk identification device based on a vehicle frame number according to an embodiment of the present disclosure;
fig. 4 is a schematic structural diagram of a computer device according to an embodiment of the present application.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. The components of embodiments of the present invention generally described and illustrated in the figures herein may be arranged and designed in a wide variety of different configurations.
Thus, the following detailed description of the embodiments of the present invention, presented in the figures, is not intended to limit the scope of the invention, as claimed, but is merely representative of selected embodiments of the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, it need not be further defined and explained in subsequent figures.
Some embodiments of the invention are described in detail below with reference to the accompanying drawings. The embodiments described below and the features of the embodiments can be combined with each other without conflict.
Fig. 1 is a schematic flow chart of a car loan risk identification method based on a car frame number according to an embodiment of the present invention. As shown in fig. 1, the method may be performed by a server, and specifically, the method may be implemented by the following steps:
and S110, receiving the vehicle loan application. The loan application may include a target frame number and a borrower identification.
The Vehicle frame Number is used for uniquely identifying a Vehicle, and may also be referred to as a Vehicle Identification Number (VIN). The frame number may be composed of seventeen letters or numbers, is used as a unique set of numbers on the automobile, and can identify the manufacturer, engine, chassis serial number and other performance data of the automobile. In order to avoid confusion with numbers 1, 0 and 9, English letters "I", "O" and "Q" are not used, and "I", "O", "Q", "U", "Z" and "0" are not used in the 10 th production year.
When a user submits a loan application to a server of the vehicle loan platform through a client, the user can provide a target frame number and an identifier of a borrower.
The borrower identification may include, among other things, the identity information of the borrower and the contact details of the borrower. The identity information of the borrower may include an identification number, a bank card number and other information, and the contact information of the borrower may include a phone number or a communication address of the borrower.
S120, acquiring a target frame number event corresponding to the target frame number;
in the embodiment of the present invention, the event generated for the vehicle may be recorded in the server by using the frame number as an index, and the server may be a server specially used for recording data (for example, a third party server), and may also be a server of the aforementioned vehicle lending platform.
The event generated by the vehicle can be found and recorded by the server, or the terminal confirms the event generated by the vehicle and then sends the event to the server with the frame number so as to be recorded by the server.
The frame number is the 'identity card number' of the unique identifier of the vehicle, so the event targeting determined based on the frame number is particularly obvious, and is also an identifier which cannot be avoided by fraudulent molecules.
Events such as violation, generation of multi-head loan, and dismounting and mounting of a shielded GPS can be defined as risk events in the vehicle frame number event, in other words, the risk event can be an event with a problem, and the problem can be a suspected problem or a confirmed problem.
S130, when no risk event exists in the target frame number event, paying operation is carried out;
and no risk event exists in the target frame number event acquired based on the target frame number in the server or the third-party server, so that the credit of the current vehicle and the lender is considered to be good, and the loan can be performed.
The loan platform may be operated in different modes for deposit operations. In general, a loan may be made by a bank through a money transfer by submitting a bank account of a car lending platform, a bank account number of a borrower, and related transaction information to the bank. Of course, the car credit platform may also be a bank platform, and at this time, the car credit platform may directly transfer money and put money based on the related information.
S140, determining a target risk level to which the borrower identifier belongs, and monitoring a frame number event corresponding to the target frame number in the repayment process according to a monitoring rule corresponding to the target risk level.
According to the target number car frame number event, label identification and identity classification can be carried out on industry users and organizations. For example, it can be divided into: "person" who may include a target frame number event such as a GPS, passing home, etc.; an "organization" that may include a target frame number event for a car loan, a frame number event for a car owner loan. Based on the data, the representations of the individual users and institutions can be divided into high, medium and low classes of communities according to a neural network model. For example, the crowd who receive and sell the escort cars can be divided into high-risk industry crowd, the class of passing households is middle-risk crowd, and the car loan business manager is low-risk crowd; the second pressing mechanism is a high-risk mechanism, the vehicle loan mechanism is a medium-risk mechanism, and the consumption mechanism is a low-risk mechanism.
And carrying out real-time monitoring and scanning on the VIN risk event of the frame number, respectively giving emphasis on early warning, finding risks at the first time and verifying the risks at different stages, and then feeding back to classification optimization and grading of the community. The logic optimized here is: and optimizing the classification and adjusting the risk weight according to the accuracy of the high, medium and low risk classification of the back community inversely deduced from the actual credit of the client, so that the risk signal is more sensitive and accurate. So as to achieve maximum risk identification and accurate early warning.
The method comprises the steps that historical vehicle frame number events can be determined, and each historical vehicle frame number event corresponds to a user tag; classifying based on the user tags, and determining historical frame number events corresponding to each category; and determining the risk grade of each category according to the proportion of the risk events in the historical frame number events corresponding to each category.
Based on the target risk level, the target category to which the borrower identifier belongs can be determined, and the risk level corresponding to the target category is the target risk level to which the borrower identifier belongs.
In addition, it is also possible to: acquiring a frame number event in a period; the risk level for each category is optimized based on the frame number events within the cycle.
Wherein the monitoring rule comprises a risk weight, the risk weight is used for identifying the risk event, and the higher the risk weight is, the higher the sensitivity of risk event identification is.
In addition, when a risk event occurs in the frame number event corresponding to the target frame number in the repayment process, a disposal decision is generated, and reminding is performed based on the disposal decision.
The embodiment of the invention receives the vehicle loan application, and the vehicle loan application comprises a target vehicle frame number and a borrower identification; acquiring a target frame number event corresponding to the target frame number; when the risk event does not exist in the target frame number event, determining that the vehicle loan application is successful; and determining the target risk level to which the borrower identifier belongs, and monitoring the frame number event corresponding to the target frame number in the repayment process according to the monitoring rule corresponding to the target risk level. Therefore, the vehicle loan risk identification is realized through the vehicle frame number event and the user portrait, and the reliability of the risk identification is improved.
As an example, as shown in fig. 2, a scanning start time point is set according to an application time or a bus time or a deposit time, and the time can be freely controlled.
If an abnormal high-risk event occurs before the payment is placed after the delivery or before the first payment, mails, a system and manual multi-dimensional real-time early warning prompt are given, early warning suggestions are given, and a disposal decision is made.
And after the first payment, scanning risk events in real time, feeding back risks in real time until the payment is finished, and automatically finishing monitoring by the system.
By the embodiment of the invention, the scanning time can be freely set, leakage can be compensated, no time blank period exists, potential cheating groups can be excavated, early warning is carried out before cheating occurs, the cheating is blocked, and loss can be stopped in time; through the division of the organization behind the frame number event and the individual community and the regular intelligent output, the risk classification is carried out, the key point is more prominent, and the clear risk prompt can be efficiently given to the asset management personnel in the loan; the system can monitor the operation for 24 hours uninterruptedly in real time, trigger and early warn in real time; the accuracy of the early warning can be reversely deduced, and the early warning optimization configuration can be carried out.
Fig. 3 is a schematic structural diagram of a car loan risk identification device based on a car frame number according to an embodiment of the present invention. As shown in fig. 3, includes:
the receiving module 301 is used for receiving a car loan application, wherein the car loan application comprises a target frame number and a borrower identifier;
an obtaining module 302, configured to obtain a target frame number event corresponding to a target frame number;
the determining module 303 is configured to perform a deposit operation when no risk event exists in the target frame number event;
and the monitoring module 304 is used for determining the target risk level to which the borrower identifier belongs, and monitoring the frame number event corresponding to the target frame number in the repayment process according to the monitoring rule corresponding to the target risk level.
In some embodiments, further comprising, the representation module to:
determining historical frame number events, wherein each historical frame number event corresponds to a user tag;
classifying based on the user tags, and determining historical frame number events corresponding to each category;
and determining the risk grade of each category according to the proportion of the risk events in the historical frame number events corresponding to each category.
In some embodiments, the monitoring module 304 is specifically configured to:
and determining the target category to which the borrower identifier belongs, wherein the risk level corresponding to the target category is the target risk level to which the borrower identifier belongs.
In some embodiments, further comprising an optimization module to:
acquiring a frame number event in a period;
the risk level for each category is optimized based on the frame number events within the cycle.
In some embodiments, the monitoring rule includes a risk weight, the risk weight identifying a risk event, the higher the risk weight the greater the sensitivity of the risk event identification.
In some embodiments, the system further comprises a reminder module for: and when a risk event occurs in the frame number event corresponding to the target frame number in the repayment process, generating a disposal decision, and reminding based on the disposal decision.
The car loan risk identification device based on the frame number has the same technical characteristics as the car loan risk identification method based on the frame number provided by the embodiment, so that the same technical problems can be solved, and the same technical effects are achieved.
As shown in fig. 4, an embodiment of the present application provides a computer device 700, including: the system comprises a processor 701, a memory 702 and a bus, wherein the memory 702 stores machine-readable instructions executable by the processor 701, when the electronic device runs, the processor 701 communicates with the memory 702 through the bus, and the processor 701 executes the machine-readable instructions to execute the steps of the vehicle-frame-number-based vehicle loan risk identification method, the apparatus and the computer device method.
Specifically, the memory 702 and the processor 701 can be general-purpose memory and processor, which are not limited in particular, and the frame number-based vehicle credit risk identification method can be executed when the processor 701 executes a computer program stored in the memory 702.
Corresponding to the vehicle loan risk identification method based on the vehicle frame number, the embodiment of the application also provides a computer readable storage medium, and the computer readable storage medium stores machine executable instructions, and when the computer executable instructions are called and executed by the processor, the computer executable instructions cause the processor to execute the steps of the vehicle loan risk identification method based on the vehicle frame number, the device and the computer equipment method.
The vehicle frame number-based vehicle credit risk identification method, device and computer equipment device provided by the embodiment of the application can be specific hardware on the equipment or software or firmware installed on the equipment. The device provided by the embodiment of the present application has the same implementation principle and technical effect as the foregoing method embodiments, and for the sake of brief description, reference may be made to the corresponding contents in the foregoing method embodiments where no part of the device embodiments is mentioned. It is clear to those skilled in the art that, for convenience and brevity of description, the specific working processes of the foregoing systems, apparatuses and units may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In the embodiments provided in the present application, it should be understood that the disclosed apparatus and method may be implemented in other ways. The above-described embodiments of the apparatus are merely illustrative, and for example, a division of a unit is merely a division of one logic function, and there may be other divisions when actually implemented, and for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection of devices or units through some communication interfaces, and may be in an electrical, mechanical or other form.
Units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In the embodiments provided in the present application, it should be understood that the disclosed apparatus and method can be implemented in other ways. The apparatus embodiments described above are merely illustrative, and for example, the flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of apparatus, methods and computer program products according to various embodiments of the present application. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
In addition, functional units in the embodiments provided in the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit.
The functions, if implemented in the form of software functional units and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application or portions thereof that substantially contribute to the prior art may be embodied in the form of a software product stored in a storage medium and including instructions for causing a computer device to execute all or part of the steps of the movement control method according to the embodiments of the present application. And the aforementioned storage medium includes: various media capable of storing program codes, such as a usb disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk, or an optical disk.
It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus once an item is defined in one figure, it need not be further defined and explained in subsequent figures, and moreover, the terms "first", "second", "third", etc. are used merely to distinguish one description from another and are not to be construed as indicating or implying relative importance.
Finally, it should be noted that: the above examples are only specific embodiments of the present application, and are not intended to limit the technical solutions of the present application, and the scope of the present application is not limited thereto, although the present application is described in detail with reference to the foregoing examples, those skilled in the art should understand that: any person skilled in the art can modify or easily conceive the technical solutions described in the foregoing embodiments or equivalent substitutes for some technical features within the technical scope disclosed in the present application; such modifications, changes or substitutions do not depart from the scope of the embodiments of the present application. Are intended to be covered by the scope of the present application.
Claims (10)
1. A vehicle loan risk identification method based on a vehicle frame number is characterized by comprising the following steps:
receiving a vehicle loan application, wherein the vehicle loan application comprises a target frame number and a borrower identification;
acquiring a target frame number event corresponding to the target frame number;
when no risk event exists in the target vehicle frame number event, paying off operation is carried out;
and determining a target risk level to which the borrower identifier belongs, and monitoring a frame number event corresponding to the target frame number in a repayment process according to a monitoring rule corresponding to the target risk level.
2. The method of claim 1, further comprising:
determining historical frame number events, wherein each historical frame number event corresponds to a user tag;
classifying based on the user tags, and determining historical frame number events corresponding to each category;
and determining the risk grade of each category according to the proportion of the risk events in the historical frame number events corresponding to each category.
3. The method of claim 2, wherein the step of determining the target risk level to which the borrower identification pertains comprises:
and determining the target category to which the borrower identifier belongs, wherein the risk level corresponding to the target category is the target risk level to which the borrower identifier belongs.
4. The method of claim 2, further comprising:
acquiring a frame number event in a period;
optimizing the risk level for each of the categories based on the frame number events within the cycle.
5. The method of claim 1, wherein the monitoring rules include risk weights for identifying risk events, wherein a higher risk weight provides a higher sensitivity of risk event identification.
6. The method of claim 1, further comprising:
and generating a disposal decision when a risk event occurs in the frame number event corresponding to the target frame number in the repayment process, and reminding based on the disposal decision.
7. A car loan risk identification device based on a car frame number, comprising:
the system comprises a receiving module, a processing module and a processing module, wherein the receiving module is used for receiving a vehicle loan application, and the vehicle loan application comprises a target vehicle frame number and a borrower identifier;
the acquisition module is used for acquiring a target frame number event corresponding to the target frame number;
the determining module is used for determining that the vehicle loan application is successful when no risk event exists in the target vehicle frame number event;
and the monitoring module is used for determining the target risk level to which the borrower identifier belongs and monitoring the frame number event corresponding to the target frame number in the repayment process according to the monitoring rule corresponding to the target risk level.
8. The apparatus of claim 7, wherein the imaging module is configured to:
determining historical frame number events, wherein each historical frame number event corresponds to a user tag;
classifying based on the user tags, and determining historical frame number events corresponding to each category;
and determining the risk grade of each category according to the proportion of the risk events in the historical frame number events corresponding to each category.
9. A computer device, comprising a memory, a processor, and a camera for capturing an image; the memory has stored therein a computer program operable on the processor, the processor implementing the steps of the method of any of the preceding claims 1 to 6 when executing the computer program.
10. A computer readable storage medium having stored thereon machine executable instructions which, when invoked and executed by a processor, cause the processor to execute the method of any of claims 1 to 6.
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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