CN113902550A - Pledge monitoring system suitable for vehicle - Google Patents
Pledge monitoring system suitable for vehicle Download PDFInfo
- Publication number
- CN113902550A CN113902550A CN202111217404.2A CN202111217404A CN113902550A CN 113902550 A CN113902550 A CN 113902550A CN 202111217404 A CN202111217404 A CN 202111217404A CN 113902550 A CN113902550 A CN 113902550A
- Authority
- CN
- China
- Prior art keywords
- vehicle
- data
- pledge
- financing
- management subsystem
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Withdrawn
Links
- 238000012544 monitoring process Methods 0.000 title claims abstract description 23
- 238000001514 detection method Methods 0.000 claims abstract description 64
- 230000008859 change Effects 0.000 claims abstract description 7
- 230000001105 regulatory effect Effects 0.000 claims description 11
- 238000004364 calculation method Methods 0.000 claims description 6
- 230000009286 beneficial effect Effects 0.000 abstract 1
- 238000007726 management method Methods 0.000 description 169
- 238000013523 data management Methods 0.000 description 29
- 238000000034 method Methods 0.000 description 25
- 230000008520 organization Effects 0.000 description 19
- 230000007246 mechanism Effects 0.000 description 17
- 238000010586 diagram Methods 0.000 description 14
- 239000000463 material Substances 0.000 description 12
- 238000011156 evaluation Methods 0.000 description 8
- 125000004122 cyclic group Chemical group 0.000 description 6
- 230000006870 function Effects 0.000 description 6
- 238000004519 manufacturing process Methods 0.000 description 5
- 238000013528 artificial neural network Methods 0.000 description 4
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 4
- 239000010931 gold Substances 0.000 description 4
- 229910052737 gold Inorganic materials 0.000 description 4
- 230000003993 interaction Effects 0.000 description 4
- 238000003062 neural network model Methods 0.000 description 4
- 238000005516 engineering process Methods 0.000 description 3
- 239000007788 liquid Substances 0.000 description 3
- 230000008569 process Effects 0.000 description 3
- 238000012546 transfer Methods 0.000 description 3
- 208000012661 Dyskinesia Diseases 0.000 description 2
- 230000008901 benefit Effects 0.000 description 2
- 238000004891 communication Methods 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 238000012545 processing Methods 0.000 description 2
- 238000012502 risk assessment Methods 0.000 description 2
- 239000000523 sample Substances 0.000 description 2
- 238000003860 storage Methods 0.000 description 2
- 238000012384 transportation and delivery Methods 0.000 description 2
- 238000005303 weighing Methods 0.000 description 2
- 230000002159 abnormal effect Effects 0.000 description 1
- 238000013459 approach Methods 0.000 description 1
- 238000007405 data analysis Methods 0.000 description 1
- 230000006872 improvement Effects 0.000 description 1
- 230000009545 invasion Effects 0.000 description 1
- 238000005259 measurement Methods 0.000 description 1
- 230000006855 networking Effects 0.000 description 1
- 238000013439 planning Methods 0.000 description 1
- 238000004092 self-diagnosis Methods 0.000 description 1
- 230000009466 transformation Effects 0.000 description 1
- 230000000007 visual effect Effects 0.000 description 1
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
-
- G—PHYSICS
- G01—MEASURING; TESTING
- G01S—RADIO DIRECTION-FINDING; RADIO NAVIGATION; DETERMINING DISTANCE OR VELOCITY BY USE OF RADIO WAVES; LOCATING OR PRESENCE-DETECTING BY USE OF THE REFLECTION OR RERADIATION OF RADIO WAVES; ANALOGOUS ARRANGEMENTS USING OTHER WAVES
- G01S19/00—Satellite radio beacon positioning systems; Determining position, velocity or attitude using signals transmitted by such systems
- G01S19/01—Satellite radio beacon positioning systems transmitting time-stamped messages, e.g. GPS [Global Positioning System], GLONASS [Global Orbiting Navigation Satellite System] or GALILEO
- G01S19/13—Receivers
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W64/00—Locating users or terminals or network equipment for network management purposes, e.g. mobility management
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- Technology Law (AREA)
- Strategic Management (AREA)
- Marketing (AREA)
- Economics (AREA)
- General Business, Economics & Management (AREA)
- Development Economics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Radar, Positioning & Navigation (AREA)
- Remote Sensing (AREA)
- Signal Processing (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The application provides a pledge supervisory systems suitable for vehicle includes: a vehicle detection device for detecting one or more of position data, travel data and person data of a vehicle for a mobile asset financing pledge; the vehicle monitoring server is used for judging whether the vehicle state of the mobile asset financing vehicle meets the preset data condition set by the mobile asset financing service according to the data detected by the vehicle detection device or the change of the data; the vehicle detection device and the vehicle supervision server form data connection so that the vehicle detection device can upload data to the vehicle supervision server. The system has the beneficial effects that the system is suitable for vehicle pledge supervision and management, and the vehicle pledge can be intelligently supervised by comprehensively utilizing the multidimensional data.
Description
Technical Field
The application relates to a pledge supervisory system, in particular to a pledge supervisory system suitable for vehicles.
Background
The movable property refers to a general commodity which is approved by banks and has strong showing capability and relatively stable price in the production or circulation field. The right of delivery refers to the ownership of the mentioned movable property expressed in the form of right certificate such as warehouse bill, delivery bill, etc.
The movable property financing business refers to a credit granting business which takes the movable property or the right of goods legally owned by the enterprise or a third person as a mortgage or a mortgage and/or a bank supervises the movable property or the right of goods of the enterprise.
The existing mobile asset financing business has various potential risks due to the lack of system overall planning and supervision.
Especially, in the aspect of the monitoring of the pledge, if the pledge is monitored only by human, the risk of damage of the pledge is easy to occur, so that the movable property financing business is difficult to be carried out in the processes of withdrawing pledges and purchasing.
Disclosure of Invention
In order to solve the shortcomings of the prior art, the application provides a pledge monitoring system suitable for a vehicle, which comprises: a vehicle detection device for detecting one or more of position data, travel data and person data of a vehicle for a mobile asset financing pledge; the vehicle monitoring server is used for judging whether the vehicle state of the mobile asset financing vehicle meets the preset data condition set by the mobile asset financing service according to the data detected by the vehicle detection device or the change of the data; the vehicle detection device and the vehicle supervision server form data connection so that the vehicle detection device can upload data to the vehicle supervision server.
Further, the vehicle detection device includes: and the vehicle position data detection module is used for detecting the position data of the vehicle of the movable property financing pledge.
Further, the vehicle detection device includes: and the vehicle driving data detection module is used for detecting the driving data of the vehicle of the movable asset financing mortgage.
Further, the vehicle detection device includes: and the vehicle personnel data detection module is used for detecting personnel data of vehicles of the mobile asset financing mortgage.
Further, the vehicle position data detection module includes: and a GPS positioning unit.
Further, the vehicle position data detection module includes: a UWB positioning unit.
Further, the vehicle travel data detection module includes: OBD interface data reading unit.
Further, the vehicle travel data detection module includes: vehicle event data recorder interface data reading unit.
Further, the vehicle personnel data detection module comprises: inside camera in carriage.
Further, the vehicle supervision server includes: the value calculation unit is used for calculating the financial value of the vehicle according to the data of the vehicle detection device; and the risk judgment unit is used for judging the risk data of the mobile asset financing service corresponding to the current vehicle according to the financial value calculated by the value calculation unit.
The application has the advantages that: the pledge monitoring system is applicable to vehicles and comprehensively utilizes multidimensional data to intelligently monitor pledge vehicles.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this application, serve to provide a further understanding of the application and to enable other features, objects, and advantages of the application to be more apparent. The drawings and their description illustrate the embodiments of the invention and do not limit it. In the drawings:
FIG. 1 is a block diagram illustrating an architecture of a data management system according to an embodiment of the present application;
FIG. 2 is a block diagram illustrating an architecture of a financial institution management subsystem in a data management system according to an embodiment of the present application;
FIG. 3 is a block diagram illustrating an architecture of an insurance agency management subsystem in a data management system according to an embodiment of the present application;
FIG. 4 is a block diagram illustrating an architecture of a repurchase organization management subsystem in a data management system according to one embodiment of the present application;
FIG. 5 is a block schematic diagram of an architecture of a service authority management subsystem in a data management system according to an embodiment of the present application;
FIG. 6 is a schematic diagram illustrating steps of a business data management method according to a first embodiment of the present application;
FIG. 7 is a diagram illustrating steps of a business data management method according to a second embodiment of the present application;
fig. 8 is a schematic step diagram of a service data management method according to a third embodiment of the present application;
fig. 9 is a schematic step diagram of a method for business data management 13 according to a fourth embodiment of the present application;
FIG. 10 is a schematic diagram of a mobile asset financing management system according to an embodiment of the present application;
FIG. 11 is a data interaction diagram of a mobile asset financing management system according to an embodiment of the present application;
FIG. 12 is a schematic diagram of a mobile asset financing management system according to another embodiment of the present application;
FIG. 13 is a block diagram schematic of an architecture of a pledge regulatory system for a vehicle in accordance with an embodiment of the present application;
FIG. 14 is a block diagram illustrating steps of a pledge regulatory method for a vehicle according to one embodiment of the present application.
Detailed Description
In order to make the technical solutions better understood by those skilled in the art, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only partial embodiments of the present application, but not all embodiments. 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 application.
It should be noted that the embodiments and features of the embodiments in the present application may be combined with each other without conflict. The present application will be described in detail below with reference to the embodiments with reference to the attached drawings.
Referring to fig. 1 to 12, and referring to fig. 1 to 5, the data management system of the present application includes: the financial institution management subsystem, the insurance institution management subsystem, the buyback institution management subsystem and the financial service institution management subsystem.
The financial institution management subsystem is at least used for managing fund data for the movable property financing in the financial institution; the insurance agency management subsystem is at least used for managing insurance data used for mobile production financing in the insurance agency; the buyback organization management subsystem is at least used for managing buyback data used for mobile production financing in the insurance organization; the financial institution management subsystem is at least used for managing financing data for movable property financing in the financial institution.
The financial institution management subsystem, the insurance institution management subsystem and the buyback institution management subsystem form data connection so that the financial institution management subsystem can interact financing data with at least one of the financial institution management subsystem, the insurance institution management subsystem or the buyback institution management subsystem.
As a specific scheme, the financial institution management subsystem includes: the system comprises an account management module, an amount management module, a fund management module, a post-credit management module and a risk management module.
The insurance agency management subsystem includes: the system comprises an insurance application management module, an insurance supervision module and a premium management module.
The buyback agency management subsystem comprises: the system comprises a buyback asset management module, a buyback value management module and a buyback transaction management module.
The golden service organization management subsystem comprises: the system comprises a platform user management module, a financing product management module, a wind comment data management module, a movable property pledge management module, a credit granting data authentication module, an insurance-related data interface module and a buyback data interface module.
As a specific scheme, each module in the financial institution management subsystem has the following functions: the account management module is used for managing account data of the dynamic property financing parties; the amount management module is used for managing the amount data of the loan method of the movable property financing; the fund management module is used for managing fund data for the movable property financing, and the post-loan management module is used for managing the fund data for the movable property financing; the post-loan management module is used for managing repayment data and repayment behavior data of the lender; the risk management module is used for generating or modifying the pre-loan risk level of the mobile asset financing service according to the data of the wind evaluation data management module and the credit granting data authentication module, and in addition, the risk management module is used for generating or modifying the post-loan risk level of the mobile asset financing service according to the data of the mobile asset pledge management module.
As a specific scheme, each module in the insurance agency management subsystem functions as follows: the investment management module is used for managing data of an investment party, an underwriter or/and a guarantee party related to the movable property financing; the insurance management module is used for managing insurance product data related to the movable property financing; the insurance supervision module is used for managing pledge risk data related to the movable property financing; and the premium management module is used for generating premium data of insurance products corresponding to the mobile asset financing service according to the data of the financial institution management subsystem.
As a specific scheme, each module in the management subsystem of the buyback organization has the following functions: the buyback asset management module is used for managing category and quantity data of buyback assets related to the movable property financing; the buyback value management module is used for managing price data of buyback materials related to the movable property financing; the buyback transaction management module is used for managing transaction data of buyback materials related to the dynamic production financing.
As a specific scheme, each module in the golden service organization management subsystem has the following functions: the platform user management module is used for managing user data of financing enterprises, financial institutions, insurance institutions and buyback institutions; the financing product management module is used for managing product data of the mobile asset financing service; the wind evaluation data management module is used for managing risk evaluation data of the movable property financing service; the movable property pledge management module is used for managing pledges related to the movable property financing service; the credit granting data authentication module is used for authenticating and managing credit data related to the mobile asset financing service; the risk-involved data interface module is used for forming data interaction with the insurance mechanism management subsystem; and the buyback data interface module is used for forming data interaction with the buyback organization management subsystem.
Through the technical scheme, the data management system can realize data management and communication of the whole movable property financing link.
As a preferred scheme, as shown in fig. 10, the financial institution management subsystem, the insurance institution management subsystem, the buyback institution management subsystem, and the financial service institution management subsystem may be implemented by installing corresponding software programs on the mobile terminal, the fixed terminal, and the server and providing storage space for them.
As a specific scheme, the mobile terminal may be a mobile phone, a tablet computer or other terminal equipment, and the fixed terminal may be a desktop computer or a special terminal equipment or the like; the server may be a local server or a cloud server. The mobile terminal mainly realizes real-time access or operation of an individual user to the system, and the fixed terminal is mainly used for working staff or examiners to work in offices. The server is used for processing data and storing the data in the background.
As a preferable scheme, as shown in fig. 11, data of the financial institution management subsystem, the insurance institution management subsystem, the buyback institution management subsystem, and the golden service institution management subsystem are stored through a block chain, so as to trace the source of the data. All transaction and contract data are linked in data by a block chain technology so as to ensure the reliability of the data.
As a preferable scheme, as shown in fig. 12, in the technical scheme of the present application, a deposit administration monitoring subsystem may be further provided, and the deposit administration monitoring subsystem is used for monitoring the deposit of the movable property financing, and the monitoring may be performed in a specific warehouse set by the deposit administration or installed in a warehouse of a deposit party through field arrangement of a data acquisition device to perform dynamic monitoring.
As a specific scheme, the golden service organization supervision subsystem comprises various acquisition devices, such as a millimeter wave radar, a monitoring camera, a radio frequency tag reading and writing device, a handheld collector, a weighing device, a liquid level detection probe, a GPS device and the like.
Wherein, the millimeter wave radar is used for measurement personnel's removal, the surveillance camera head is used for gathering the image in place, radio frequency label read-write device is used for realizing thing networking read-write function, handheld collector is used for realizing the commodity circulation when transporting sweep a yard function (also can adopt general computer to realize certainly) with putting down, weighing device is used for measuring the weight of matter of escorting, when supervision large-scale goods and materials, also can adopt other modes weight measuring instrument to measure, liquid level detection probe is used for measuring the stock of liquid goods and materials, the GPS device is used for the position of location goods and materials.
The golden service organization supervision subsystem can directly carry out data interaction with the golden service organization management subsystem, the insurance organization management subsystem and the buyback organization management subsystem. So that they can acquire the stock condition of the material.
Through the data management system, a financial institution, an insurance institution and an industrial party buys back to form a complete service closed loop through a financial service institution, and digital, networked, intelligent and visual transformation is carried out on the capital financing behavior from the four dimensions of data information, capital circulation, risk supervision and logistics storage.
Moreover, the things in the mobile asset financing service are converted into the data things through the internet of things technology, so that the data things can be matched with the management system to dynamically supervise the mobile asset financing service; through internet data communication, data in the mobile asset financing business are converted into data assets which are high in reliability and can serve as a transaction basis, and after things of the mobile asset financing are converted into the data assets, things circulation of the mobile asset financing is also converted into data asset circulation and change through data flow and management; through a block chain technology, the data of the objects and the data in the mobile asset financing and the history of the change and the circulation of the objects and the data are digitalized and solidified, so that the data tracing and the supervision of the whole process are realized, and the business risk caused by data loopholes is avoided.
In addition, the data in the management system can be learned based on the artificial neural network in a big data analysis mode, so that the upgrading of an intelligent system based on the data is realized, the system can perform artificial intelligent learning according to different stages of data and different cases, and more intelligent judgment can be performed in the aspects of risk assessment, post-loan management, logistics supervision and the like.
Referring to fig. 6 to 9, as another aspect of the present application, based on the above system, the present application further provides a technical solution of a data management method.
As one of the technical solutions, the present application provides a data management method suitable for mobile asset financing, including the following steps: the financial institution management subsystem outputs evaluation information required by the movable property financing to the financial institution management subsystem; configuring financing data by the financial institution management subsystem according to the evaluation information of the financial institution management subsystem; the insurance institution management subsystem generates insurance data about the movable property financing according to the data of the financial institution management subsystem or the financial institution management subsystem; and the buyback organization management subsystem generates buyback data at least according to the data of the financial institution management subsystem, the financial institution management subsystem or the insurance institution management subsystem.
By the management method, a data management method of a complete movable production financing link can be realized.
Preferably, the data management method for the movable property financing further comprises the following steps: the financial institution management subsystem establishes account data for at least the lenders of the mobile asset financing. The financial institution management subsystem calculates the credit line data and interest data of the lender for the movable property financing according to the data of the financial institution management subsystem. And the financial institution management subsystem performs transfer operation or deduction operation on the lender according to the data of the financial institution management subsystem. And the insurance mechanism management subsystem matches the corresponding insurance products according to the data of the golden service mechanism management subsystem. And the insurance institution management subsystem generates corresponding insurance policy data according to the data of the gold service institution management subsystem. And the buyback mechanism management subsystem generates a corresponding buyback material list according to the data of the financial service mechanism management subsystem. And the buyback mechanism management subsystem generates a corresponding buyback material price according to the data of the financial service mechanism management subsystem. And the buyback mechanism management subsystem generates a corresponding buyback material order according to the data of the financial service mechanism management subsystem. The financial institution management subsystem sends financing data required for the financing of the movable property to a block chain.
As another aspect of the present application, the present application provides a data management method for a mobile asset financing insurance service, including the following steps: collecting data related to the movable property financing required by the insurance agency management subsystem to generate an insurance product order by the golden service agency management subsystem; the insurance mechanism management subsystem generates or manages insurance data related to the movable property financing according to the data collected by the golden service mechanism management subsystem; and the financial institution management subsystem sets supervision strategy data and supervision threshold data for supervising the pledge corresponding to the movable property financing service according to insurance data of the insurance institution management subsystem.
As a specific scheme, the data management method suitable for the mobile asset financing insurance business further comprises the following steps: the insurance institution management subsystem generates account data of an insuring party, an underwriting party or/and a guarantor involved in the movable property financing according to the data of the financial institution management subsystem; the insurance mechanism management subsystem matches the corresponding insurance product according to the data of the golden service mechanism management subsystem; the insurance institution management subsystem generates premium cost data of insurance products corresponding to the mobile asset financing service according to the data of the financial institution management subsystem; the insurance mechanism management subsystem generates corresponding insurance policy data according to the data of the golden service mechanism management subsystem; the financial institution management subsystem collects credit data of lenders for the movable property financing; collecting the pledge data of pledge of the movable property financing by a gold agency management subsystem; the financial institution management subsystem collects borrowing data of a loan scheme of the movable property financing; the financial institution management subsystem generates risk evaluation data and risk-involved demand data according to the collected credit data, pledge data and borrowing data; and the insurance institution management subsystem configures insurance products and insurance cost according to the risk evaluation data and the risk-related demand data of the gold agency management subsystem.
As another aspect of the present application, the present application further provides a data management method suitable for a mobile asset financing buyback service, where the method includes the following steps: the financial service institution management subsystem acquires or generates data required by the buyback institution management subsystem for buyback transactions; and after the buyback mechanism management subsystem finishes buyback transaction, the transaction data are fed back to the financial service mechanism management subsystem.
As a specific scheme, the data management method suitable for the mobile asset financing buyback business further comprises the following steps: and the buyback organization management subsystem generates category data of the buyback materials according to the data of the service organization management subsystem. And the buyback organization management subsystem generates price data of the buyback materials according to the data of the uniform organization management subsystem. And the buyback organization management subsystem generates stock data of buyback materials according to the data of the uniform organization management subsystem. And the buyback institution management subsystem generates transaction data according to the transaction condition and transmits the transaction data to the financial service institution management subsystem. The financial institution management subsystem collects the data of the types of the pledges related to the movable property financing service and transmits the data to the buyback institution management subsystem. The financial institution management subsystem collects price data of the pledges related to the movable property financing service and transmits the price data to the buyback institution management subsystem. And the financial institution management subsystem updates the stored inventory data according to the transaction data returned by the buyback institution management subsystem. And the financial institution management subsystem updates the financial data which is stored by the financial institution management subsystem and is related to the movable property financing according to the transaction data returned by the buyback institution management subsystem. And the financial institution management subsystem carries out pre-sale supervision on the traded pledge according to the trading data returned by the buyback institution management subsystem.
As another aspect of the present application, the present application further provides a data management method suitable for a mobile asset financing pledge service, including the following steps: the financial institution management subsystem collects or generates data required by the financial institution management subsystem for the movable property financing; the financial institution management subsystem produces or modifies the loan data related to the movable property financing according to the data collected by the financial institution management subsystem.
As a specific scheme, the data management method suitable for the movable property financing pledge service further comprises the following steps: the financial institution management subsystem creates account data of the dynamic property financing lender according to the data of the financial institution management subsystem; the financial institution management subsystem matches corresponding loan products according to the data of the financial institution management subsystem; the financial institution management subsystem calculates the debit and credit amount according to the data of the financial institution management subsystem; the financial institution management subsystem updates the pledge data of the mobile asset financing lender according to the data of the financial institution subsystem; the financial institution management subsystem collects risk assessment data of lenders of the mobile asset financing service; collecting the pledge data of pledge of the movable property financing by a gold agency management subsystem; the financial institution management subsystem collects credit data of lenders for the movable property financing; the financial institution management subsystem sets supervision strategy data and supervision threshold data for supervising the pledge corresponding to the movable property financing service according to the data fed back by the financial institution management subsystem; the data of the financial institution management subsystem and the financial service institution management subsystem are stored in a block chain.
By adopting the data management method and depending on the management system, the data management and the credit management of the whole process of the movable property financing can be realized.
The system introduced above can help to realize data management of the mobile asset financing, but due to the characteristics of the mobile asset financing service, if the pledge cannot be effectively supervised, the service purpose cannot be finally realized.
Referring to fig. 13, in order to implement the supervision of the movable property financing for the vehicle, as another aspect of the present application, the present application provides a pledge supervision system for the vehicle, including: a vehicle detection device for detecting one or more of position data, travel data and person data of a vehicle for a mobile asset financing pledge; the vehicle monitoring server is used for judging whether the vehicle state of the mobile asset financing vehicle meets the preset data condition set by the mobile asset financing service according to the data detected by the vehicle detection device or the change of the data; the vehicle detection device and the vehicle supervision server form data connection so that the vehicle detection device can upload data to the vehicle supervision server.
Specifically, the vehicle detection device includes: and the vehicle position data detection module is used for detecting the position data of the vehicle of the movable property financing pledge.
Specifically, the vehicle detection device includes: and the vehicle driving data detection module is used for detecting the driving data of the vehicle of the movable asset financing mortgage.
Specifically, the vehicle detection device includes: and the vehicle personnel data detection module is used for detecting personnel data of vehicles of the mobile asset financing mortgage.
Specifically, the vehicle position data detection module includes: a GPS positioning unit and a UWB positioning unit.
The GPS positioning unit is mainly used for positioning a mobile vehicle, and the UWB positioning unit can be used for monitoring indoor or parking lots of vehicles for carrying out movable property financing such as 4S stores.
Specifically, the vehicle travel data detection module includes: OBD interface data reading unit. The OBD module is mainly used for reading data of the vehicle, mainly used for value evaluation and preventing invasion and tampering of vehicle information from the outside.
Specifically, the vehicle travel data detection module includes: vehicle event data recorder interface data reading unit. The vehicle driving path condition can be detected through the automobile data recorder module, and the vehicle is prevented from being transferred. Alternatively, the vehicle travel data detection module may be activated when the vehicle position data detection module detects a change in the position of the vehicle.
Specifically, the vehicle personnel data detection module includes: inside camera in carriage. The vehicle personnel data detection module is mainly used for detecting drivers and comparing the consistency of people and vehicles, and prevents an owner from forming actual transfer and transfer to the vehicle under the condition that the owner does not pass a house.
Specifically, the vehicle supervision server includes: a value calculating unit and a risk judging unit. The value calculating unit is used for calculating the financial value of the vehicle according to various data of the vehicle detecting device; and the risk judgment unit is used for judging the risk data of the mobile asset financing service corresponding to the current vehicle according to the financial value calculated by the value calculation unit. As a specific scheme, the risk data is not only based on the price of the used vehicle, but also risk factors brought by vehicle driving data and personnel data are calculated.
More specifically, the number of times of refueling the vehicle can be acquired through position detection, and therefore the number of times of refueling the vehicle can be compared with the OBD module to judge the running data of the vehicle.
Referring to fig. 14, in order to realize monitoring of a vehicle, the present application further provides a pledge monitoring method for a vehicle, where the pledge monitoring method for a vehicle is executed by a system, and the system includes: the vehicle detection device is used for acquiring relevant data of a vehicle for the investment financing pledge of the mobile property; the vehicle supervision server is used for storing and processing relevant data of the vehicle detection device; the pledge supervision method applicable to the vehicle comprises the following steps: the vehicle detection device detects relevant data of a vehicle for the investment financing pledge; the vehicle monitoring server calculates vehicle value data according to the relevant data of the pledge vehicle collected by the vehicle detection device; and the vehicle monitoring server sends alarm data to the client of the user when the data of the pledge vehicle does not meet the preset data condition set by the movable property financing service.
Specifically, the data collected by the vehicle detection device includes position data of the pledge vehicle. The location data helps to supervise that the vehicle cannot go beyond the system set area.
Specifically, the data collected by the vehicle detection device includes driving data of the pledge vehicle. The driving data help system judges the risk of the vehicle, and the vehicle is prevented from being largely devalued in a short period.
Specifically, the data collected by the vehicle detection device includes personnel data of the pledge vehicle. The personnel data helps the system to judge evasion because the vehicle property right brought by the vehicle private transaction is unclear. More specifically, the person data includes face recognition data of the driver or/and the occupant.
Specifically, the position data includes GPS positioning data and UWB positioning data. They are used for mobile and fixed supervision, respectively.
Specifically, the running data includes vehicle self-diagnosis data acquired from a vehicle OBD interface and video data of a drive recorder. By such an approach, the risk of the vehicle can be verified from two aspects of data.
In addition, the pledge supervision method applicable to the vehicle further comprises the following steps: the vehicle monitoring server calculates the financial value of the vehicle according to various data of the vehicle detection device; and the vehicle monitoring server judges the risk data of the mobile asset financing service corresponding to the current vehicle according to the financial value calculated by the value calculation unit.
As the preferred scheme, the vehicle supervision server carries out intelligent judgment through an artificial neural network.
Specifically, a vehicle supervision server is provided with a cyclic neural network model, input data of the cyclic neural network is the coordinate position of a vehicle, output data of the cyclic neural network is whether the track of the vehicle is abnormal or not, after the cyclic neural network model is trained and converged, the cyclic neural network model is input to a positioning coordinate position, and the cyclic neural network model judges whether the vehicle has abnormal movement or not, so that the vehicle can be normally moved out of a warehouse and judged to have abnormal movement under an unmanned state, and the vehicle supervision strength is enhanced.
The above description is only a preferred embodiment of the present application and is not intended to limit the present application, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present application shall be included in the protection scope of the present application.
Claims (10)
1. The utility model provides a pledge supervisory systems suitable for vehicle which characterized in that:
the pledge supervision system applicable to the vehicle comprises:
a vehicle detection device for detecting one or more of position data, travel data and person data of a vehicle for a mobile asset financing pledge;
the vehicle monitoring server is used for judging whether the vehicle state of the mobile asset financing vehicle meets the preset data condition set by the mobile asset financing service according to the data detected by the vehicle detection device or the change of the data;
the vehicle detection device and the vehicle supervision server form data connection so that the vehicle detection device can upload data to the vehicle supervision server.
2. A pledge regulatory system for a vehicle according to claim 1, wherein:
the vehicle detection device includes: and the vehicle position data detection module is used for detecting the position data of the vehicle of the movable property financing pledge.
3. A pledge regulatory system for a vehicle according to claim 2, wherein:
the vehicle detection device includes: and the vehicle driving data detection module is used for detecting the driving data of the vehicle of the movable asset financing mortgage.
4. A pledge regulatory system for a vehicle according to claim 3, wherein:
the vehicle detection device includes: and the vehicle personnel data detection module is used for detecting personnel data of vehicles of the mobile asset financing mortgage.
5. The vehicle-adapted pledge regulatory system of claim 4, wherein:
the vehicle position data detection module includes: and a GPS positioning unit.
6. A pledge regulatory system for a vehicle according to claim 1, wherein:
the vehicle position data detection module includes: a UWB positioning unit.
7. A pledge regulatory system for a vehicle according to claim 1, wherein:
the vehicle travel data detection module includes: OBD interface data reading unit.
8. A pledge regulatory system for a vehicle according to claim 1, wherein:
the vehicle travel data detection module includes: vehicle event data recorder interface data reading unit.
9. A pledge regulatory system for a vehicle according to claim 1, wherein:
the vehicle personnel data detection module comprises: inside camera in carriage.
10. A pledge regulatory system for a vehicle according to claim 1, wherein:
the vehicle supervision server includes:
the value calculation unit is used for calculating the financial value of the vehicle according to the data of the vehicle detection device;
and the risk judgment unit is used for judging the risk data of the mobile asset financing service corresponding to the current vehicle according to the financial value calculated by the value calculation unit.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110033065 | 2021-01-11 | ||
| CN2021100330656 | 2021-01-11 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN113902550A true CN113902550A (en) | 2022-01-07 |
Family
ID=79193045
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202111217404.2A Withdrawn CN113902550A (en) | 2021-01-11 | 2021-10-19 | Pledge monitoring system suitable for vehicle |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN113902550A (en) |
-
2021
- 2021-10-19 CN CN202111217404.2A patent/CN113902550A/en not_active Withdrawn
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN111429057B (en) | Digital warehouse management method and device | |
| US20140229205A1 (en) | Global insurance compliance management system | |
| JPH11501423A (en) | Computer system for managing overdraft-protected client financial accounts | |
| CN102306367A (en) | Internet-of-things-based online risk evaluation and control system for engineering machine | |
| CN111539803A (en) | Pledge financing monitoring method, system and computer readable storage medium | |
| CN113837701A (en) | Storage supervisory systems based on RFID label | |
| US20120072430A1 (en) | System for Managing Moveable Assets Using Automatic Identification and Data Capture Technology, and Method for Operating Same | |
| Zheng et al. | Application of big data technology in insurance innovation | |
| CN103530693A (en) | Risk control system and control method for movable-property pledge financing service | |
| CN114971839A (en) | Pledge supervision method suitable for vehicle | |
| CN113516560A (en) | Supply chain financial wind control data cross validation method, system and computer equipment | |
| CN112801528A (en) | Vehicle insurance risk monitoring method and device, storage medium and computer equipment | |
| CN113849842A (en) | Mobile asset financing management method based on block chain | |
| CN112150324A (en) | Intellectual property management and maintenance system under enterprise network cloud standard multi-main-body view angle | |
| CN113902550A (en) | Pledge monitoring system suitable for vehicle | |
| CN109784757A (en) | A kind of vehicle management system | |
| CN113870018A (en) | Pledge storage monitoring system suitable for liquid material | |
| CN113870017A (en) | Pledge storage monitoring method suitable for liquid material | |
| CN113919939A (en) | Pledge storage monitoring system suitable for solid material | |
| CN105759756B (en) | Platform for environmental management | |
| CN113919941A (en) | Pledge storage monitoring method suitable for solid material | |
| CN113870015A (en) | Data management system suitable for mobile property financing insurance business | |
| CN113947473A (en) | Data management method suitable for mobile asset financing | |
| CN113919940A (en) | Data management system suitable for mobile asset financing | |
| CN113870016A (en) | Data management method suitable for mobile property financing insurance business |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| WW01 | Invention patent application withdrawn after publication |
Application publication date: 20220107 |
|
| WW01 | Invention patent application withdrawn after publication |