WO2019024883A1 - 一种物品估价的方法及装置 - Google Patents

一种物品估价的方法及装置 Download PDF

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Publication number
WO2019024883A1
WO2019024883A1 PCT/CN2018/098247 CN2018098247W WO2019024883A1 WO 2019024883 A1 WO2019024883 A1 WO 2019024883A1 CN 2018098247 W CN2018098247 W CN 2018098247W WO 2019024883 A1 WO2019024883 A1 WO 2019024883A1
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WIPO (PCT)
Prior art keywords
item
evaluated
user
picture
information
Prior art date
Application number
PCT/CN2018/098247
Other languages
English (en)
French (fr)
Inventor
郭玉锋
王彬
刘亚辉
Original Assignee
阿里巴巴集团控股有限公司
郭玉锋
王彬
刘亚辉
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Application filed by 阿里巴巴集团控股有限公司, 郭玉锋, 王彬, 刘亚辉 filed Critical 阿里巴巴集团控股有限公司
Priority to SG11201909241V priority Critical patent/SG11201909241VA/en
Priority to JP2019554696A priority patent/JP6934064B2/ja
Priority to EP18842216.6A priority patent/EP3591601A4/en
Priority to CA3058789A priority patent/CA3058789A1/en
Priority to KR1020197029136A priority patent/KR102493745B1/ko
Priority to AU2018310475A priority patent/AU2018310475B2/en
Publication of WO2019024883A1 publication Critical patent/WO2019024883A1/zh
Priority to PH12019502285A priority patent/PH12019502285A1/en
Priority to US16/691,290 priority patent/US11361334B2/en

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    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0278—Product appraisal
    • G—PHYSICS
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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
    • G06Q30/00—Commerce
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    • G06Q30/0201—Market modelling; Market analysis; Collecting market data
    • G06Q30/0206—Price or cost determination based on market factors
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
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    • G06—COMPUTING; CALCULATING OR COUNTING
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
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    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
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    • G—PHYSICS
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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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0201—Market modelling; Market analysis; Collecting market data
    • G—PHYSICS
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    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0611—Request for offers or quotes
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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
    • G06Q50/00—Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
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    • G06T7/97—Determining parameters from multiple pictures
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
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    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
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    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/50—Network services
    • H04L67/55—Push-based network services

Definitions

  • the present specification relates to the field of computer technology, and in particular, to a method and apparatus for estimating an item.
  • the present specification provides a method of estimating an item to solve the problem of inefficient evaluation of articles in the prior art.
  • This specification provides a method of valuation of an item, including:
  • the item to be evaluated is valued according to the standard picture and the actual picture.
  • the present specification provides an apparatus for evaluating an item to solve the problem of inefficient evaluation of articles in the prior art.
  • This specification provides an apparatus for estimating an item, including:
  • Receiving module receiving item information of the item to be evaluated, and acquiring an actual picture of the item to be evaluated;
  • Determining a module determining, according to the item information, a standard picture of the item to be evaluated from a preset gallery
  • the valuation module estimates the item to be evaluated according to the standard picture and the actual picture.
  • the present specification provides an apparatus for estimating an item to solve the problem of inefficient evaluation of articles in the prior art.
  • the present specification provides an apparatus for estimating an item, comprising: one or more memories and a processor, the memory storing a program, and configured to perform the following steps by the one or more processors:
  • the item to be evaluated is valued according to the standard picture and the actual picture.
  • the present specification provides a method of performing a service to solve the problem of inefficiency in performing business in the prior art.
  • This specification provides a method of performing a business, including:
  • the business is performed based on the creditworthiness of the user and the valuation of the item to be evaluated.
  • the present specification provides an apparatus for performing a service to solve the problem of inefficiency in performing business in the prior art.
  • This specification provides a means of performing a business, including:
  • Obtaining a module receiving item information of the item to be evaluated sent by the user, and acquiring an actual picture of the item to be evaluated;
  • Determining a module determining, according to the item information, a standard picture of the item to be evaluated from a preset gallery
  • An evaluation module that evaluates the item to be evaluated according to the standard picture and the actual picture
  • the execution module executes the business according to the credit rating of the user and the valuation of the item to be evaluated.
  • the present specification provides a device for performing a service to solve the problem of inefficiency in performing business in the prior art.
  • the present specification provides an apparatus for performing a service, comprising: one or more memories and a processor, the memory storing a program, and configured to perform the following steps by the one or more processors:
  • the business is performed based on the creditworthiness of the user and the valuation of the item to be evaluated.
  • the standard picture of the item to be evaluated may be determined from the preset library according to the received item information of the item to be evaluated, and according to the obtained actual item to be evaluated The picture and the determined standard picture are used to estimate the item to be evaluated. Since the actual picture and the standard picture of the item to be evaluated are obtained, the evaluation of the item to be evaluated can be quickly completed through the comparative analysis of the actual picture and the standard picture, thereby improving the evaluation efficiency of the item.
  • Figure 1 is a schematic diagram of the article evaluation process provided by the present specification
  • FIG. 2 is a schematic diagram of a process for performing an entire item recycling business provided by the present specification
  • FIG. 3 is a schematic diagram of a process for the server provided by the present specification to perform an item recycling service according to a second recycling method
  • FIG. 4 is a schematic diagram of a process for the user to perform an item recycling service according to the verification information sent by the server provided by the present specification
  • Figure 5 is a schematic diagram of an apparatus for estimating an article provided in the present specification
  • FIG. 6 is a schematic diagram of an apparatus for performing a service according to the present specification.
  • Figure 7 is a schematic diagram of an apparatus for estimating an item provided in the present specification.
  • FIG. 8 is a schematic diagram of an apparatus for performing a service provided by the present specification.
  • the items are usually evaluated by manual means, that is, the person who evaluates the items needs to check all aspects of the items to be evaluated after obtaining the items to be evaluated, to estimate The price of the item to be evaluated, and the amount paid to the user in accordance with the valuation.
  • the present specification provides a method for estimating an item, wherein the method can determine a standard picture of the item to be evaluated from a preset library according to the received item information of the item to be evaluated, and according to the obtained to be evaluated
  • the actual picture of the item and the determined standard picture are used to value the item to be valued. Since the actual picture and the standard picture of the item to be evaluated are obtained, the evaluation of the item to be evaluated can be quickly completed through the comparative analysis of the actual picture and the standard picture, thereby improving the evaluation efficiency of the item.
  • the execution subject of the item evaluation may be a server, a terminal, or a system for item valuation, and may of course be a client for item evaluation.
  • the following will take the server as an execution subject as an example.
  • the method of valuation of the provided items is explained.
  • the item evaluation method provided in the present specification can be used for various scenes such as item recovery, pledge, item transfer, item damage valuation, item insurance payment, etc., and in order to facilitate the description of the item evaluation method provided in the present specification, the following will only
  • the scene of item recycling is used to describe in detail the method of estimating the item provided in this specification.
  • the application of the method of valuation of the item in other scenes can refer to the scene of item recycling.
  • FIG. 1 is a schematic diagram of an item evaluation process provided by the present specification, specifically including the following steps:
  • S100 Receive item information of the item to be evaluated, and obtain an actual picture of the item to be evaluated.
  • the user when performing the item recycling service, the user may input the item information of the item to be recycled in the terminal or the client installed in the terminal, and the terminal or the client may send the item information input by the user to the server,
  • the server receives the item information, it determines, according to the item information, the item that the user needs to carry out the item recovery, that is, the item to be evaluated that needs to be evaluated later.
  • the user may prompt the user to collect the actual picture of the item to be evaluated through the terminal or the client of the user, and may also prompt the user to collect the actual picture of the item to be evaluated from which angle.
  • the actual picture mentioned here refers to a picture that can reflect the current real situation of the item to be evaluated, and whether the surface condition of the item to be evaluated has scratches, whether there is a trace of disassembly, or the like can be obtained from the actual picture. Reflected in it.
  • the user can collect the actual picture of the item to be evaluated from multiple angles through the terminal, such as the actual picture of the front, side, back, front and back positions of the item to be evaluated.
  • the user may send the collected actual picture of the item to be evaluated to the server through the terminal or the client, so that the server subsequently evaluates the item to be evaluated through the obtained actual picture of the item to be evaluated.
  • the server may determine whether the actual picture of the item to be evaluated meets the set condition, and return a prompt message to the user terminal or the client when determining that the actual picture of the item to be evaluated does not meet the set condition.
  • the user is prompted to re-collect the actual picture of the item to be evaluated. For example, when the server determines that the acquired image of the item to be evaluated has a sharpness that does not satisfy the set definition, the user is prompted to re-acquire the actual picture of the item to be evaluated.
  • S102 Determine, according to the item information, a standard picture of the item to be evaluated from a preset gallery.
  • the server may determine a standard picture of the item to be evaluated from the preset gallery according to the received item information of the item to be evaluated.
  • the preset gallery includes standard pictures of various items at various angles, and the standard pictures of each item may be pre-acquired and saved in the preset gallery.
  • the standard picture mentioned here may refer to a picture when the item is in a certain state.
  • the standard picture may refer to a picture when the item is in a good state, or may refer to a picture with scratches on the surface of the item, or an item.
  • the standard picture is specifically which type of picture (that is, a picture reflecting the intact state of the item, or a picture reflecting the various damage conditions of the item), depending on how the article to be evaluated is evaluated by the standard picture and the actual picture.
  • S104 Estimate the item to be evaluated according to the standard picture and the actual picture.
  • the server may compare the obtained actual picture of the item to be evaluated with the standard picture of the item to be evaluated to evaluate the item to be evaluated. Specifically, in the present specification, the server may determine a standard picture corresponding to the actual picture from the determined standard picture of the item to be evaluated for each actual picture of the item to be evaluated. For example, for the actual picture of the front side of the item to be evaluated, the server may determine a standard picture of the front side of the item to be evaluated. The server may input the actual picture and the corresponding standard picture into the pre-trained model to determine the loss information of the item to be evaluated through the model.
  • the model can obtain a corresponding comparison result by comparing and analyzing the actual picture and the standard picture, and the comparison result can reflect the surface of the item to be evaluated compared to the standard. Is there a difference in the good items in the picture?
  • the model may further determine, according to the obtained comparison result, which type of the difference between the surface of the item to be evaluated and the intact item in the standard picture belongs to a scratch, a damage, a disassembly, and the like, thereby determining the item to be evaluated. Fixed loss information.
  • the server may perform a similarity analysis on the actual picture and the corresponding standard picture to determine whether the item to be evaluated is damaged and what is damaged. Taking the actual picture on the front side of the item to be evaluated as an example, the server may sequentially compare the actual picture with the three standard pictures of the object to be evaluated which are determined to be disassembled, scratched, and water mark. Degree analysis to determine whether there are these three types of damage on the front side of the item to be evaluated. By analogy, the server can determine the damage status of each side of the item to be evaluated in this way, and then determine the loss information of the item to be evaluated.
  • the fixed loss information includes information such as scratches, damages, disassembly, and the like in the item to be evaluated, and the server may perform evaluation on the item to be evaluated according to the information included in the fixed loss information.
  • the server stores a preset estimate of each item, where the preset estimate refers to the price of the item to be evaluated when the item to be evaluated is intact.
  • the preset valuation of each item may be manually determined and stored in the server according to actual conditions.
  • the various damage conditions on the surface of the article, such as scratches and demolition, respectively correspond to different loss prices.
  • the price of these losses can also be determined artificially according to actual conditions.
  • the server may determine various types of damage conditions existing in the item to be evaluated according to the fixed loss information, and then according to the preset valuation of the item to be evaluated, and The damage price corresponding to each type of damage condition is determined, and the valuation of the item to be evaluated is determined.
  • the server determines that the item to be evaluated has scratches, disassembly, and water.
  • the server can respectively determine the damage price corresponding to the three types of damage conditions of scratches, disassembly, and water entering, respectively, a, b, c, and the preset valuation S of the item A to be evaluated, and further estimate from the preset
  • the price a, b, and c are sequentially subtracted from S to obtain an estimate of the item A to be evaluated.
  • the server may obtain the evaluation information of the item to be evaluated in addition to the actual picture of the item to be evaluated.
  • the evaluation information can be measured by using evaluation software such as running software.
  • the server may send an installation package corresponding to the evaluation software to the item to be evaluated (the item to be evaluated is an electronic device), so that the item to be evaluated installs the corresponding evaluation software through the installation package, and then runs the evaluation software. , get evaluation information about the item to be evaluated, such as, running points.
  • the item to be evaluated may obtain the installation package of the evaluation software from the server by accessing the server, or the user may obtain the installation package information of the evaluation software from the server through the terminal, such as a two-dimensional code and a uniform resource locator (Uniform) Resource Locator, URL), etc.
  • the item to be evaluated can obtain the installation package of the evaluation software by using the installation package information of the evaluation software obtained by the terminal.
  • the server may determine the item to be evaluated from the surface condition and the performance of the item to be evaluated according to the evaluation information and the standard picture and the actual picture of the item to be evaluated. Valuation.
  • the method for determining the valuation of the item to be evaluated by the server may be various. For example, the server may determine the valuation of the item to be evaluated according to the obtained evaluation information of the item to be evaluated, and then pass the item to be evaluated. The standard picture and the actual picture determine another estimate of the item to be valued. The server can take the average of the two valuations as the final estimate of the item to be valued.
  • the server stores the benchmark evaluation information of each item, and the benchmark evaluation information may be manually determined according to actual conditions.
  • the benchmark evaluation information can reflect the benchmark performance of the item.
  • the server may compare the benchmark performance and the actual performance of the item to be evaluated through the benchmark evaluation information of the item to be evaluated and the obtained evaluation information.
  • a certain amount may be added on the basis of the valuation determined according to the standard picture and the actual picture of the item to be evaluated, and the final valuation of the item to be evaluated is obtained.
  • a certain amount may be subtracted from the valuation determined according to the standard picture of the item to be evaluated and the actual picture to obtain the item to be evaluated.
  • the server can also comprehensively determine the valuation of the item to be evaluated based on the obtained evaluation information and the actual picture and standard picture of the item to be evaluated by other means, and the examples are not illustrated here.
  • the server may obtain the evaluation information of the item to be evaluated, and may obtain the evaluation information by other means.
  • the evaluation information may be transmitted through a data transmission method such as Bluetooth, infrared, or Near Field Communication (NFC).
  • the user terminal is sent to the user terminal to send the obtained evaluation information to the server.
  • the evaluation information may be uploaded to the cloud for storing data, and the user may download the evaluation information from the cloud through the terminal, and then the evaluation information. Sent to the server.
  • the server can also obtain the evaluation information of the item to be evaluated by other means, and the detailed description is not given here.
  • the item recovery business can be executed based on the valuation. Specifically, the server may return the obtained estimate to the user terminal or the client for display, and when the server detects that the user determines to perform the item recovery of the item to be evaluated, the server may send a pick-up message to the pick-up party to notify the pick-up. The party collects the item to be evaluated according to the user's address. The server may determine whether to collect the item to be evaluated by a specified operation performed by the user on the terminal or the client.
  • the terminal may send the server the information that the user determines to recycle the item to be evaluated, and the server may determine that the collection party needs to be charged according to the information.
  • the item to be valued may be sent.
  • the server may notify the pick-up party to pick up the goods at the same time, and at the same time, pay the amount less than the above-mentioned valuation to the user first, and when it is determined that the item to be evaluated is completed, the remaining part of the valuation of the item to be evaluated (ie, the last payment) ) paid to the user.
  • This method can be referred to as the first recovery method in this description.
  • the server can notify the pick-up party to pick up the goods first, and then make a payment to the user after determining that the item to be evaluated is completed. If it is determined that the user is a risk user, the item recycling business is ended. This mode can be referred to as a second recovery method in this specification.
  • the server may determine the credit information of the user, and determine, according to the credit information of the user, whether to recover the item to be evaluated by using the first recycling method.
  • the credit information of the user mentioned here may be information such as the credit degree of the user that can reflect the credit status of the user.
  • the server determines that the credit of the user is not less than the set credit, it is determined that the item to be evaluated is recovered by the first recycling method, and then the amount less than the estimated amount is first paid to the user before the item to be evaluated is reviewed.
  • the server may pay the set portion of the valuation to the user through a fixed ratio, such as paying 70% of the valuation to the user, and may also determine, according to the credit degree of the user, how much the amount of the valuation is paid to the user. For example, suppose the set credit is 700.
  • the server can pay 70% of the estimate to the user first; when the user's credit is 750, the server can pay 80% of the estimate to the user first; When the user's credit rating is 800, the server can pay 90% of the estimate to the user first.
  • the server determines that the credit of the user is less than the set credit, it determines that the item to be evaluated is not to be recovered by using the first recycling method, and further reflects the user security status according to the identity information and the wind control information of the user. Information to determine if the user is a risk user. When it is determined that the user is in a safe state, the server may recover the item to be evaluated by the second recycling method. If it is determined that the user is a risk user, the item recycling business is ended.
  • the review of the item to be evaluated may be done manually. After the server notifies the pick-up party to collect the item to be evaluated, the pick-up party may send the received item to be evaluated to the reviewing person. After receiving the item to be evaluated, the reviewer will review the item to be evaluated from various aspects to determine whether the previous server's valuation of the item to be evaluated is in line with the actual situation. In other words, after receiving the item to be evaluated, the reviewer will determine the actual price of the item to be evaluated according to the actual condition of the item to be evaluated, and determine whether the valuation of the item to be evaluated previously determined by the server is The actual pricing is consistent.
  • the server may determine whether the valuation of the item to be evaluated is consistent with the actual price according to the actual pricing input by the reviewing personnel and the reason of the actual pricing. If yes, the server may pay the remaining balance of the valuation to the user, and if not, according to the reason The actual pricing and the reason for the actual pricing generate a review information and send it to the user.
  • the user can choose whether to initiate the representation.
  • the server determines that the user agrees to the review information
  • the actual payment amount of the item to be evaluated is determined according to the actual pricing of the item to be evaluated, and is paid to the user.
  • the server may send a message to the customer service to notify the customer service to contact the user for negotiation.
  • the customer service record that the user and the customer service agree on the price of the item to be evaluated
  • the payment is made to the user according to the agreed price.
  • the buyer is notified to return the item to be evaluated to the user, and if the part of the amount of the valuation has been previously paid to the user The user then deducts this amount from the user's account.
  • the server to make payments to users based on the actual pricing of the items to be evaluated.
  • the server needs to further determine whether the actual price is greater than the amount previously paid to the user.
  • the difference between the set portion of the valuation and the actual price may be deducted from the user's account, thereby ending the entire item recycling process.
  • the previous server pays 70% (ie, 70 yuan) of the valuation of the item B to be evaluated to the user, and the server can be based on the item to be evaluated.
  • the actual pricing of B is deducted from the user's account by 20 yuan.
  • the server determines that the actual price of the item to be evaluated is higher than the set portion of the valuation of the item to be evaluated, the difference between the actual price minus the set portion of the valuation may be paid to the user, thereby ending The entire item recycling process. For example, assuming that the valuation of the item C to be evaluated is 200 yuan, and the actual price is 180 yuan, the previous server pays 70% (ie, 140 yuan) of the valuation of the item C to be evaluated to the user, and the server can be based on the item to be evaluated. The actual pricing of C, and then pay the user 40 yuan.
  • the server determines that the item to be evaluated is recovered according to the second recycling method (ie, first reviews and then pays)
  • the actual pricing of the item to be evaluated may be paid to the user, thereby ending the process of recycling the entire item.
  • the server can push the message about the current item recovery progress every time the server performs one step. For example, when the server informs the pick-up party to pick up the goods at the door, it can notify the pick-up party that the pick-up party is going to pick up the goods by means of message push. For another example, when the server pays the set portion of the valuation of the item to be evaluated to the user, the user may be notified by way of message push that the estimated part of the amount has been paid to the user.
  • the server when the server pays the last payment to the user according to the actual pricing of the item to be evaluated, the user may notify the user by means of message push, wherein the ending item mentioned here means that the actual price of the item to be evaluated is higher than the previous price. The portion of the amount paid to the user.
  • the server can enable the user to know the process of item recovery in time, and facilitate the user to perform real-time supervision and follow-up.
  • the server may add a certain credit degree and credit credit to the user based on the item recovery, and record the item recovery in the credit life of the user.
  • the server After the server sends the review information to the user, after monitoring the set time, the user still does not reply to the server based on the review information, and then automatically determines that the user agrees to the review information after the monitoring reaches the set time.
  • the actual pricing and then the payment to the user based on the actual pricing of the item to be evaluated.
  • the user may also be determined to default, so as to deduct a certain amount when paying the user according to the actual pricing of the item to be evaluated. .
  • the server can also take other penalties for the user when determining that the user has defaulted, such as reducing the user's certain credit.
  • the server may display the agreement to the user before the item to be evaluated is evaluated; or may display the agreement to the user when monitoring that the user determines to perform the item recycling service based on the valuation; or The agreement is presented to the user when the set portion of the valuation is paid to the user.
  • the timing of the protocol display can be multiple, which can be determined according to actual business needs, and will not be exemplified in detail here.
  • the evaluation of the item to be evaluated can be quickly completed through the comparative analysis of the actual picture and the standard picture, thereby effectively improving the item.
  • the efficiency of the valuation since the actual picture and the standard picture are obtained after the actual picture and the standard picture of the item to be evaluated are obtained, the evaluation of the item to be evaluated can be quickly completed through the comparative analysis of the actual picture and the standard picture, thereby effectively improving the item. The efficiency of the valuation.
  • FIG. 2 is a schematic diagram of a process for performing an entire item recycling business provided by the present specification.
  • the server may evaluate the item to be valued when determining that the user performs the item recycling business.
  • the server may determine the item to be evaluated according to the received item information, and obtain an actual picture of the item to be evaluated.
  • the server may determine a standard picture of the item to be evaluated from a preset gallery, and then evaluate the item to be evaluated according to the standard picture of the item to be evaluated and the actual picture.
  • the server After the server evaluates the value of the item to be evaluated, it can determine the charging method according to the credit information of the user, and collect the item to be evaluated through the picking party. Wherein, when the server determines, according to the credit information of the user, that the credit of the user is not less than the set credit, it is determined that the first collection mode is adopted, and the item to be evaluated is recovered by the picking party. When it is determined that the credit of the user is less than the set credit, the user may determine whether the user is a risk user according to information such as the user's identity information, risk control information, and the like that can reflect the user's security status. When it is determined that the user is a risk user, the entire item recycling business can be directly ended.
  • the second collection method may be adopted, and the item to be evaluated is recovered by the picking party.
  • the process of recycling the articles by the first recycling method will be described first, and the recycling of the articles by the second recycling method will be described later.
  • the server may present the agreement on the item recycling service to the user through the terminal or the client, and prompt the user to sign the agreement to perform the subsequent process of the item recycling business.
  • the user determines to perform the item recycling service according to the valuation of the item to be evaluated
  • the user is determined to perform the ordering operation, and the picking party is notified to pick up the goods according to the address information of the user.
  • the server may send a message of successful receipt to the server, so that the server determines that the picker successfully collects the item to be evaluated from the user, and estimates the item to be evaluated.
  • the setting part is paid to the user first.
  • the server determines that the picking party has not successfully collected the item to be evaluated from the user (ie, the picking direction server sends a message that the picking failed)
  • the item recycling service is ended.
  • the reviewing person can obtain the item to be evaluated through the picking party, and review the item to be evaluated to obtain the actual pricing of the item to be evaluated.
  • the reviewer can enter the actual pricing and the reason for the actual pricing into the server, and the server can determine whether the actual pricing is consistent with the valuation of the item to be evaluated based on the actual pricing. If so, the server can pay the remaining balance of the evaluation to the user, and update the credit information of the user to end the entire item recycling business.
  • the review information may be generated according to the actual pricing and the actual pricing reason (including other information, of course), and the review information is sent to the user.
  • the server may push a message about the progress of the entire service to the user according to the execution process of the item recycling service, so that the user can know the execution process of the entire item recycling service in real time through the message pushed by the server.
  • FIG. 3 is a schematic diagram of a process for the server provided by the present specification to perform an item recycling service according to a second recycling manner.
  • the execution of the item recovery service by the server according to the second collection method is substantially the same as the execution of the item recovery service by the first collection method.
  • the main difference is that the server needs to review the item to be evaluated according to the reviewer first. Pay again to the user.
  • the first recycling method can be understood as “pay before re-inspection”
  • the second recycling method can be understood as “pre-inspection re-payment”.
  • FIG. 4 is a schematic diagram of a process for a user to perform an item recycling service according to the verification information sent by the server provided by the present specification.
  • the user may determine whether to approve the review result according to the actual pricing of the item to be evaluated included in the review information and the reason of the actual pricing.
  • the server may initiate a payment request to the user according to the actual pricing of the item to be evaluated, and after determining that the user confirms the payment request, pay the user according to the actual pricing of the item to be evaluated. Then, after updating the credit information of the user, the item recycling business is ended.
  • the server may pay the user according to the principle of “returning more and less compensation”, that is, when determining that the actual price is lower than the set portion of the valuation of the previously-paid item to be evaluated, the user may deduct from the account of the user.
  • the set portion of the valuation is subtracted from the difference in the actual price, and when it is determined that the actual price is higher than the set portion of the previously paid estimate, the difference between the actual price minus the set portion of the estimate may be paid to the user .
  • the server performs the item recycling business according to the second recycling method, the user can be paid directly according to the actual pricing.
  • the server After the server detects that the user has not confirmed the review information after the set time has elapsed (that is, the user does not perform the relevant operation of agreeing to the review information within the set time, and does not perform the related operation that does not agree with the review information) Then, the user can be determined to default, and then some punishment measures can be performed based on the default, for example, in the process of paying the user, deducting a certain amount, or reducing the credit of the user.
  • the server may resend the payment request to the user at intervals, and after detecting a certain time, the payment request is successfully sent to the user, but the user is delayed. If there is no consent, the user can be determined to default, and in the subsequent process, the user is given certain punishments.
  • the server may send a message to the customer service to notify the customer service to contact and negotiate with the user through the message.
  • the server can determine whether the user and the customer service have reached an agreement according to the customer service record generated after the user negotiates with the customer service. If yes, the user and the customer service can be paid according to the price agreed upon by the customer and the customer service for the item to be evaluated. .
  • the server may initiate a payment request to the user according to the agreed price, and when the payment is determined to be successful, update the user's credit information, and end the entire item recovery service.
  • the item to be evaluated may be returned to the user by the picking party.
  • the server may resend the payment request to the user at intervals, and after detecting a certain time, the payment request is successfully sent to the user, but the user If there is no agreement, the user can be determined to default, and then the user will be given certain punishments.
  • the server may first determine whether the user's credit is not less than the set credit, and when determining that the user's credit is not less than the set credit, the terminal prompts the user to be evaluated.
  • the item information of the item and the actual picture of the item to be evaluated are sent to the server, and then the item to be evaluated is evaluated according to the obtained item information and the actual picture.
  • the pick-up message is directly sent to the pick-up party, so that the pick-up party can receive the pick-up message, Pick up the goods according to the user's address information.
  • the pick-up party can send the collected items to be evaluated to the reviewer for review, and the reviewer can determine the actual price of the item to be evaluated through the review of all aspects of the item to be evaluated, and input the actual price to server.
  • the server can pay for the user based on the actual pricing.
  • the server may also estimate and display the item to be evaluated according to the item information of the item to be evaluated and the actual picture of the item to be evaluated.
  • the server pays the user according to the actual pricing determined by the reviewing person to treat the estimated item, so the server displays the evaluation of the item to be evaluated to the user through the terminal.
  • the item to be evaluated is generally recovered at a price.
  • the method for estimating the articles provided in this specification in the scene of item recycling is not limited to the scene of item recycling, such as material quality, item transfer, Scenes such as item mortgages are also applicable.
  • the method is applicable to an item mortgage of an item such as a mobile phone, a computer, a car, etc., and in the process of executing the item mortgage business, the server is to the user according to the valuation of the item to be evaluated or the actual price of the item to be evaluated.
  • the message of returning the item to be evaluated to the user is sent to the pick-up party, so that the pick-up party returns the item to be evaluated again by the message. user.
  • the present specification also provides an apparatus for estimating an article, as shown in FIG.
  • FIG. 5 is a schematic diagram of an apparatus for estimating an item provided by the present specification, specifically including:
  • the receiving module 501 receives the item information of the item to be evaluated, and acquires an actual picture of the item to be evaluated;
  • the determining module 502 is configured to determine, according to the item information, a standard picture of the item to be evaluated from a preset gallery;
  • the valuation module 503 estimates the item to be evaluated according to the standard picture and the actual picture.
  • the estimating module 503 determines, according to the standard picture and the actual picture, the loss information of the item to be evaluated; and the item to be evaluated is evaluated according to the fixed loss information.
  • the estimating module 503 inputs the standard picture and the actual picture into a preset model, and obtains a comparison result of the model output; the model is used to compare the standard picture and the actual picture, Determining the loss information of the item to be evaluated according to the comparison result and outputting.
  • the device also includes:
  • the sending module 504 when the item to be evaluated is an electronic device, sending an installation package corresponding to the evaluation software to the item to be evaluated, so that the item to be evaluated installs the evaluation software through the installation package, and passes the The evaluation software determines the evaluation information of the item to be evaluated; and obtains the evaluation information.
  • the sending module 504 is configured to obtain the evaluation information sent by the item to be evaluated, or obtain a picture including the evaluation information, and determine the evaluation information according to the picture that includes the evaluation information.
  • the estimating module 503 estimates the item to be evaluated according to the standard picture and the actual picture, and/or the evaluation information.
  • the device also includes:
  • the executing module 505 is configured to perform a service according to the valuation, where the service includes at least one of item recovery and material quality.
  • the executing module 505 is configured to determine the credit degree of the user; when determining that the credit degree of the user is not less than the set credit degree, determine, according to the valuation, an amount smaller than the estimated amount; and pay the amount to the user; A pick-up message is generated, the pick-up message is used to notify the pick-up party to collect the item to be evaluated.
  • the present specification also provides a schematic diagram of a device for performing a service, as shown in FIG. 6.
  • FIG. 6 is a schematic diagram of an apparatus for performing a service according to the present disclosure, which specifically includes:
  • the obtaining module 601 is configured to receive item information of the item to be evaluated sent by the user, and obtain an actual picture of the item to be evaluated;
  • the determining module 602 is configured to determine, according to the item information, a standard picture of the item to be evaluated from a preset gallery;
  • the estimating module 603 estimates the item to be evaluated according to the standard picture and the actual picture;
  • the execution module 604 executes the service according to the credit rating of the user and the valuation of the item to be evaluated.
  • the service includes at least one of item recovery and material quality.
  • the executing module 604 when determining that the credit of the user is not less than the set credit, determining an amount smaller than the valuation according to the valuation; paying the amount to the user, and generating a pickup message, The pick-up message is used to notify the pick-up party to collect the item to be evaluated.
  • the present specification also provides an apparatus for estimating an item, as shown in FIG.
  • the device for evaluating the item includes one or more processors and memory, the memory storing a program, and being configured to perform the following steps by the one or more processors:
  • the item to be evaluated is valued according to the standard picture and the actual picture.
  • the present specification further provides a device for performing service, as shown in FIG. 8.
  • the apparatus for performing the service includes one or more processors and memory, the memory storing a program, and being configured to perform the following steps by the one or more processors:
  • the business is performed based on the creditworthiness of the user and the valuation of the item to be evaluated.
  • the standard picture of the item to be evaluated may be determined from the preset library according to the received item information of the item to be evaluated, and according to the obtained item to be evaluated.
  • the actual picture and the determined standard picture are used to estimate the item to be valued. Since the actual picture and the standard picture of the item to be evaluated are obtained, the evaluation of the item to be evaluated can be quickly completed through the comparative analysis of the actual picture and the standard picture, thereby improving the evaluation efficiency of the item.
  • PLD Programmable Logic Device
  • FPGA Field Programmable Gate Array
  • HDL Hardware Description Language
  • the controller can be implemented in any suitable manner, for example, the controller can take the form of, for example, a microprocessor or processor and a computer readable medium storing computer readable program code (eg, software or firmware) executable by the (micro)processor.
  • computer readable program code eg, software or firmware
  • examples of controllers include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, The Microchip PIC18F26K20 and the Silicone Labs C8051F320, the memory controller can also be implemented as part of the memory's control logic.
  • the controller can be logically programmed by means of logic gates, switches, ASICs, programmable logic controllers, and embedding.
  • Such a controller can therefore be considered a hardware component, and the means for implementing various functions included therein can also be considered as a structure within the hardware component.
  • a device for implementing various functions can be considered as a software module that can be both a method of implementation and a structure within a hardware component.
  • the system, device, module or unit illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product having a certain function.
  • a typical implementation device is a computer.
  • the computer can be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or A combination of any of these devices.
  • embodiments of the present specification can be provided as a method, system, or computer program product. Accordingly, the description may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment in combination of software and hardware. Moreover, the description may take the form of a computer program product embodied on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) including computer usable program code.
  • computer-usable storage media including but not limited to disk storage, CD-ROM, optical storage, etc.
  • the computer program instructions can also be stored in a computer readable memory that can direct a computer or other programmable data processing device to operate in a particular manner, such that the instructions stored in the computer readable memory produce an article of manufacture comprising the instruction device.
  • the apparatus implements the functions specified in one or more blocks of a flow or a flow and/or block diagram of the flowchart.
  • These computer program instructions can also be loaded onto a computer or other programmable data processing device such that a series of operational steps are performed on a computer or other programmable device to produce computer-implemented processing for execution on a computer or other programmable device.
  • the instructions provide steps for implementing the functions specified in one or more of the flow or in a block or blocks of a flow diagram.
  • a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
  • processors CPUs
  • input/output interfaces network interfaces
  • memory volatile and non-volatile memory
  • the memory may include non-persistent memory, random access memory (RAM), and/or non-volatile memory in a computer readable medium, such as read only memory (ROM) or flash memory.
  • RAM random access memory
  • ROM read only memory
  • Memory is an example of a computer readable medium.
  • Computer readable media includes both permanent and non-persistent, removable and non-removable media.
  • Information storage can be implemented by any method or technology.
  • the information can be computer readable instructions, data structures, modules of programs, or other data.
  • Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read only memory. (ROM), electrically erasable programmable read only memory (EEPROM), flash memory or other memory technology, compact disk read only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, Magnetic tape cartridges, magnetic tape storage or other magnetic storage devices or any other non-transportable media can be used to store information that can be accessed by a computing device.
  • computer readable media does not include temporary storage of computer readable media, such as modulated data signals and carrier waves.
  • program modules include routines, programs, objects, components, data structures, and the like that perform particular tasks or implement particular abstract data types.
  • One or more embodiments of the present specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are connected through a communication network.
  • program modules can be located in both local and remote computer storage media including storage devices.

Abstract

一种物品估价的方法及装置，该方法包括：接收待估价物品的物品信息，获取所述待估价物品的实际图片（S100）；根据所述物品信息，从预设的图库中确定所述待估价物品的标准图片（S102）；根据所述标准图片以及所述实际图片，对所述待估价物品进行估价（S104）。

Description

一种物品估价的方法及装置 技术领域
本说明书涉及计算机技术领域，尤其涉及一种物品估价的方法及装置。
背景技术
随着计算机技术的不断发展，一些诸如物品回收、质押、物品转让等业务逐渐从线下转移到线上，用户可以在线上方便、快捷的办理这些业务，极大的提高了这些业务的执行效率。
用户在办理物品回收、质押等业务时，通常会涉及到物品的估价，而当前，通常都是通过人工的方式，对物品实施估价的。
基于现有技术，需要更为有效的物品估价方式。
发明内容
本说明书提供一种物品估价的方法，用以解决现有技术中物品的估价效率低下的问题。
本说明书提供了一种物品估价的方法，包括：
接收待估价物品的物品信息，获取所述待估价物品的实际图片；
根据所述物品信息，从预设的图库中确定所述待估价物品的标准图片；
根据所述标准图片以及所述实际图片，对所述待估价物品进行估价。
本说明书提供一种物品估价的装置，用以解决现有技术中物品的估价效率低下的问题。
本说明书提供了一种物品估价的装置，包括：
接收模块，接收待估价物品的物品信息，获取所述待估价物品的实际图片；
确定模块，根据所述物品信息，从预设的图库中确定所述待估价物品的标准图片；
估价模块，根据所述标准图片以及所述实际图片，对所述待估价物品进行估价。
本说明书提供一种物品估价的设备，用以解决现有技术中物品的估价效率低下的问题。
本说明书提供了一种物品估价的设备，包括：一个或多个存储器以及处理器，所述存储器存储程序，并且被配置成由所述一个或多个处理器执行以下步骤：
接收待估价物品的物品信息，获取所述待估价物品的实际图片；
根据所述物品信息，从预设的图库中确定所述待估价物品的标准图片；
根据所述标准图片以及所述实际图片，对所述待估价物品进行估价。
本说明书提供一种执行业务的方法，用以解决现有技术中执行业务效率低下的问题。
本说明书提供了一种执行业务的方法，包括：
接收用户发送的待估价物品的物品信息，获取所述待估价物品的实际图片；
根据所述物品信息，从预设的图库中确定所述待估价物品的标准图片；
根据所述标准图片以及所述实际图片，对所述待估价物品进行估价；
根据所述用户的信用度以及所述待估价物品的估价，执行业务。
本说明书提供一种执行业务的装置，用以解决现有技术中执行业务效率低下的问题。
本说明书提供了一种执行业务的装置，包括：
获取模块，接收用户发送的待估价物品的物品信息，获取所述待估价物品的实际图片；
确定模块，根据所述物品信息，从预设的图库中确定所述待估价物品的标准图片；
估价模块，根据所述标准图片以及所述实际图片，对所述待估价物品进行 估价；
执行模块，根据所述用户的信用度以及所述待估价物品的估价，执行业务。
本说明书提供一种执行业务的设备，用以解决现有技术中执行业务效率低下的问题。
本说明书提供了一种执行业务的设备，包括：一个或多个存储器以及处理器，所述存储器存储程序，并且被配置成由所述一个或多个处理器执行以下步骤：
接收用户发送的待估价物品的物品信息，获取所述待估价物品的实际图片；
根据所述物品信息，从预设的图库中确定所述待估价物品的标准图片；
根据所述标准图片以及所述实际图片，对所述待估价物品进行估价；
根据所述用户的信用度以及所述待估价物品的估价，执行业务。
本说明书采用的上述至少一个技术方案能够达到以下有益效果：
在本说明书一个或多个实施例中，可以根据接收到的待估价物品的物品信息，从预设的图库中确定出该待估价物品的标准图片，并根据获取到的该待估价物品的实际图片以及确定出的标准图片，对该待估价物品进行估价。由于在获取到待估价物品的实际图片以及标准图片后，即可通过实际图片与标准图片的对比分析，快速完成对待估价物品的估价，从而提高了物品的估价效率。
附图说明
此处所说明的附图用来提供对本说明书的进一步理解，构成本说明书的一部分，本说明书的示意性实施例及其说明用于解释本说明书，并不构成对本说明书的不当限定。在附图中：
图1为本说明书提供的物品估价过程的示意图；
图2为本说明书提供的执行整个物品回收业务的过程示意图；
图3为本说明书提供的服务器根据第二回收方式执行物品回收业务的过程 示意图；
图4为本说明书提供的用户根据服务器发送的复核信息执行物品回收业务的过程示意图；
图5为本说明书提供的一种物品估价的装置示意图；
图6为本说明书提供的一种执行业务的装置示意图；
图7为本说明书提供的一种物品估价的设备示意图；
图8为本说明书提供的一种执行业务的设备示意图。
具体实施方式
在现有技术中，通常都是通过人工的方式，对物品实施估价的，即，对物品实施估价的人员需要在获取到待估价物品后，人工对待估价物品的各个方面进行检查，以估算出该待估价物品的价格，并按照该估价，向用户支付金额。
本说明书提供了一种物品估价的方法，该方法中可以根据接收到的待估价物品的物品信息，从预设的图库中确定出该待估价物品的标准图片，并根据获取到的该待估价物品的实际图片以及确定出的标准图片，对该待估价物品进行估价。由于在获取到待估价物品的实际图片以及标准图片后，即可通过实际图片与标准图片的对比分析，快速完成对待估价物品的估价，从而提高了物品的估价效率。
为了使本技术领域的人员更好地理解本说明书一个或多个实施例中的技术方案，下面将结合本说明书一个或多个实施例中的附图，对本说明书一个或多个实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅仅是本说明书一部分实施例，而不是全部的实施例。基于本说明书中的实施例，本领域普通技术人员在没有作出创造性劳动前提下所获得的所有其他实施例，都应当属于本说明书保护的范围。
在本说明书中，进行物品估价的执行主体可以是服务器、终端、或是用于物品估价的系统，当然也可以是用于物品估价的客户端，下面将以服务器为执 行主体为例，对本说明书提供的物品估价方法进行说明。本说明书中提供的物品估价方法可以用于诸如物品回收、质押、物品转让、物品定损估价、物品保险赔付等多个场景，而为了方便对本说明书提供的物品估价方法进行说明，下面将仅以物品回收的场景，来对本说明书提供的物品估价的方法进行详细描述，该物品估价的方法在其他场景中的应用可以参考物品回收的场景。
图1为本说明书提供的物品估价过程的示意图，具体包括以下步骤：
S100：接收待估价物品的物品信息，获取所述待估价物品的实际图片。
在本说明书中，用户在执行物品回收业务时，可以在终端或是终端中安装的客户端中输入需要回收的物品的物品信息，终端或客户端可将用户输入的物品信息发送至服务器，以使服务器在接收到该物品信息时，根据该物品信息确定出用户需要进行物品回收的物品，也即在后续需要进行估价的待估价物品。
服务器确定出待估价物品后，可以通过用户的终端或客户端向用户提示采集待估价物品的实际图片，还可提示用户需要从哪些角度采集待估价物品的实际图片。其中，这里提到的实际图片即是指能够反映出该待估价物品当前真实情况的图片，该待估价物品的表面是否有划痕、是否有拆动的痕迹等表面状况均可从该实际图片中反映出。
用户可以通过终端从多个角度采集该待估价物品的实际图片，如、待估价物品的正面、侧面、背面，前后等位置的实际图片。用户可将采集到的该待估价物品的实际图片通过终端或客户端发送至服务器，以使服务器后续通过获取到的该待估价物品的实际图片，对该待估价物品进行估价。
在本说明书中，服务器可以判断该待估价物品的实际图片是否符合设定条件，并在确定出该待估价物品的实际图片不符合设定条件时，向用户的终端或客户端返回提示消息，以提示用户重新对该待估价物品的实际图片进行采集。例如，当服务器确定出获取到的待估价物品的实际图片的清晰度不满足设定清晰度时，提示用户重新采集待估价物品的实际图片。
S102：根据所述物品信息，从预设的图库中确定所述待估价物品的标准图 片。
服务器可以根据接收到的待估价物品的物品信息，从预设的图库中确定出该待估价物品的标准图片。其中，该预设的图库中包含有多种物品在各个角度的标准图片，各物品的标准图片可以是预先采集的，并保存在该预设的图库中。而这里提到的标准图片可以指物品处于某种状态时的图片，如，该标准图片可以是指物品处于完好状态时的图片，也可以是指物品表面存在划痕的图片，抑或是指物品表面存在拆动痕迹的图片。该标准图片具体是哪种类型的图片(即是反映物品完好状态的图片，还是反映物品存在各种损坏状况的图片)，则取决于后续如何通过标准图片和实际图片，对待估价物品进行估价。
S104：根据所述标准图片以及所述实际图片，对所述待估价物品进行估价。
服务器可以将获取到的待估价物品的实际图片与该待估价物品的标准图片进行比对分析，以对该待估价物品进行估价。具体的，在本说明书中，服务器可以针对该待估价物品的每一幅实际图片，从确定出的该待估价物品的标准图片中确定出与该实际图片对应的标准图片。如，对于该待估价物品的正面的实际图片，服务器可以确定出该待估价物品的正面的标准图片。服务器可将该实际图片和与之对应的标准图片输入到预先训练的模型中，以通过该模型，确定出该待估价物品的定损信息。
其中，当标准图片是指物品处于完好状态的图片时，该模型可以通过对实际图片和标准图片的对比分析，得到相应的对比结果，该对比结果可以反映出待估价物品的表面相比于标准图片中完好的物品是否存在差异。该模型可以进一步根据获得的对比结果，确定出待估价物品的表面相比于标准图片中完好物品所存在的差异属于划痕、损坏、拆动等哪种类型，进而确定出该待估价物品的定损信息。
而当上述标准图片是指物品各种损坏情况的图片时，则服务器可以将实际图片和与之对应的标准图片进行相似度分析，以确定出待估价物品是否存在损坏，以及存在哪些损坏情况。以待估价物品正面的实际图片为例，服务器可以 将该实际图片，与从预设的图库中确定出的该待估价物品正面存在拆动、划痕、水痕的三种标准图片依次进行相似度分析，以确定该待估价物品的正面是否存在这三种损坏。以此类推，服务器可以通过这种方式，确定出待估价物品各个面的损坏状况，进而确定出该待估价物品的定损信息。
在本说明书中，该定损信息中包含有该待估价物品中是否存在划痕、损坏、拆动等信息，而服务器可以根据该定损信息中包含的这些信息，对待估价物品实施估价。
具体的，服务器中保存有各物品的预设估价，该预设估价是指当待估价物品完好无损时，该待估价物品的价格。各物品的预设估价可以是人为根据实际情况确定并保存在服务器中的。而物品表面所存在的各种损坏状况，如划痕、拆动等则分别对应有不同的损失价格，同理，这些损失价格也可以是人为根据实际情况确定出的。
基于此，服务器在确定出待估价物品的定损信息后，可以根据该定损信息，确定出待估价物品所存在的各种类型的损坏状况，进而根据该待估价物品的预设估价，以及各种类型的损坏状况分别对应的损失价格，确定出该待估价物品的估价。
例如，假设服务器确定出的待估价物品A的定损信息中记录有待估价物品存在划痕、拆动、进过水。服务器可以分别确定出划痕、拆动、进过水这三种类型的损坏状况分别对应的损失价格为a、b、c，以及待估价物品A的预设估价S，进而从该预设估价S中依次减去价格a、b、c，得出该待估价物品A的估价。
需要说明的是，对于一些物品，如电子设备，除了需要根据物品的表面状况来进行估价外，还需要通过这些物品的实际性能来进行估价。因此，在本说明书中，当待估价物品为电子设备时，服务器除了需要获取到该待估价物品的实际图片外，还可获取到该待估价物品的评测信息。其中，该评测信息可以通过诸如跑分软件等评测软件来测出。
在本说明书中，服务器可以向待估价物品(该待估价物品为电子设备)发送评测软件对应的安装包，以使该待估价物品通过该安装包安装相应的评测软件，进而通过运行该评测软件，得到关于该待估价物品的评测信息，如、跑分。其中，该待估价物品可以通过访问服务器，从服务器中获取该评测软件的安装包，也可以是用户通过终端从服务器获取该评测软件的安装包信息，如二维码、统一资源定位符(Uniform Resource Locator，URL)等。而该待估价物品可以通过终端获取到的评测软件的安装包信息，获取到该评测软件的安装包。
当然，待估价物品从服务器获取评测软件的安装包的方式还有许多，在此就不详细举例说明了。而服务器在获取到该待估价物品的评测信息后，可以根据该评测信息以及该待估价物品的标准图片和实际图片，从该待估价物品的表面状况以及性能综合的确定出该待估价物品的估价。其中，服务器综合确定该待估价物品的估价的方式可以有多种，例如，服务器可以根据获取到的待估价物品的评测信息，确定出待估价物品的估价，而后，再通过该待估价物品的标准图片以及实际图片，确定出该待估价物品的又一估价。服务器可以取这两个估价的平均值，作为该待估价物品的最终估价。
再例如，服务器中保存有各物品的基准评测信息，该基准评测信息可以是人为根据实际情况确定出的。该基准评测信息能够反映出物品的基准性能。基于此，服务器在获取到待估价物品的评测信息后，可以通过该待估价物品的基准评测信息，以及获取到的评测信息，对该待估价物品的基准性能以及实际性能进行比较。当确定出该待估价物品的实际性能高于基准性能时，则可在根据该待估价物品的标准图片和实际图片所确定出的估价的基础上添加一定数额，得到该待估价物品的最终估价。而当确定出该待估价物品的实际性能低于基准性能时，则可在根据该待估价物品的标准图片和实际图片所确定出的估价的基础上减去一定数额，得到该待估价物品的最终估价。
当然，服务器也可以通过其他的方式，根据获取到的评测信息，以及待估价物品的实际图片和标准图片，综合确定出待估价物品的估价，在此就不一一 举例说明了。
需要说明的是，服务器除了可以通过用户终端采集到的关于待估价物品的评测信息的图片，获取到该待估价物品的评测信息外，还可以通过其他的方式来获取该评测信息。例如，该待估价物品通过运行上述评测软件而得到评测信息后，可以将该评测信息通过诸如蓝牙、红外、近距离无线通讯技术(Near Field Communication，NFC)等数据传输方式，将该评测信息传输给用户终端，以使用户终端将获取到的评测信息发送至服务器。
再例如，用户通过待估价物品运行上述评测软件而得到评测信息后，可将该评测信息上传到用于存储数据的云端，而用户可以通过终端从云端中下载该评测信息，进而将该评测信息发送给服务器。当然，服务器也可以通过其他的方式，获取待估价物品的评测信息，在此就不详细进行举例说明了。
服务器完成对待估价物品的估价后，可以根据该估价，执行物品回收业务。具体的，服务器可将得到的估价返回给用户终端或客户端进行展示，而当服务器监测到用户确定执行该待估价物品的物品回收时，可以向取货方发送取货消息，以通知取货方根据用户的地址上门收取该待估价物品。其中，服务器可以通过用户在终端或客户端上所执行的指定操作，确定是否收取该待估价物品。例如，用户通过终端查看到服务器返回的估价后，点击了确定回收的控件，终端可以向服务器发送用户确定回收该待估价物品的信息，而服务器则可以根据该信息，确定需要通过取货方收取该待估价物品。
在本说明书中，对于不同的用户，可以采用不同的回收方式。如，对于信用较为良好的用户，可以采用先支付再复核的方式进行物品回收。即，服务器可以通知取货方上门取货，同时将小于上述估价的金额先支付给该用户，并在确定出该待估价物品完成复核时，将该待估价物品的估价的剩余部分(即尾款)支付给该用户。在本说明中可以将这种方式称之为第一回收方式。
而对于信用一般的用户，可以采用先复核再支付的方式进行物品回收。即，服务器可以通知取货方先上门取货，并在确定出该待估价物品完成复核后，再 向用户进行支付。若确定用户为风险用户时，则结束该物品回收业务。在本说明书中可以将这种方式称之为第二回收方式。
因此，在收取待估价物品之前，服务器可以确定用户的信用信息，根据用户的信用信息，确定是否采用第一回收方式回收该待估价物品。其中，这里提到的用户的信用信息可以是诸如用户的信用度等能够反映出用户信用状况的信息。
具体的，当服务器确定出该用户的信用度不小于设定信用度时，则确定通过第一回收方式回收该待估价物品，进而在该待估价物品进行复核前，将小于估价的金额先支付给用户。其中，服务器可以通过一个固定的比例，将估价的设定部分支付给用户，如将估价的70％支付给用户，也可根据用户的信用度来确定具体将该估价的多少金额支付给用户。如，假设设定信用度为700，当用户的信用度为700时，服务器可以将估价的70％先支付给用户；当用户的信用度为750时，服务器可以将估价的80％先支付给用户；当用户的信用度为800时，服务器可以将估价的90％先支付给用户。
而当服务器确定出该用户的信用度小于设定信用度时，则确定出将不采用第一回收方式回收该待估价物品，并进一步根据该用户的身份信息、风控信息等能够反映出用户安全状况的信息，确定该用户是否为风险用户。当确定出该用户处于安全状态时，服务器可以通过第二回收方式回收该待估价物品。若确定该用户为风险用户，则结束该物品回收业务。
在本说明书中，对待估价物品进行的复核可以是通过人工的方式完成的。服务器通知取货方收取该待估价物品后，可以由取货方将接收到的待估价物品送至复核人员。复核人员在接收到该待估价物品后，将从各个方面对待估价物品进行复核，以确定先前服务器对该待估价物品进行的估价是否符合实际情况。换句话说，复核人员在接收到该待估价物品后，将根据该待估价物品的实际状况，确定出该待估价物品的实际定价，并确定服务器先前确定出的该待估价物品的估价是否与实际定价相一致。服务器可以根据复核人员输入的实际定 价以及实际定价的原因，确定该待估价物品的估价是否与该实际定价相一致，若是，则服务器可将估价的剩余尾款支付给用户，若否，则可根据该实际定价以及实际定价的原因，生成复核信息，并发送给用户。
用户在查看到该复核信息后，可以选择是否发起申述。而当服务器确定用户同意该复核信息时，则根据该待估价物品的实际定价，确定该待估价物品的实际支付金额，并支付给该用户。
当用户发起申述时，可以确定出该用户不同意该复核信息，则服务器可以向客服发送信息，以通知客服联系该用户进行协商。当根据客服记录确定用户与客服就该待估价物品的价格达成一致时，则根据达成一致的价格，向用户进行支付。而当根据客服记录确定用户与客服就该待估价物品的价格未达成一致时，则通知取货方，将该待估价物品返还给该用户，并且若先前已将估价的部分金额给支付给了用户，则将这部分金额从用户的账户中扣回。
在本说明书中，服务器根据待估价物品的实际定价，向用户进行支付存在以下几种可能。第一，若先前已将待估价物品的估价的设定部分支付给用户，则服务器需要进一步确定该实际定价是否大于先前支付给用户的金额。当确定该实际定价低于该待估价物品的估价的设定部分时，则可以从用户的账户中扣除该估价的设定部分减去该实际定价的差额，进而结束整个物品回收过程。例如，假设待估价物品B的估价为100元，实际定价为50元，先前服务器将该待估价物品B的估价的70％(即70元)支付给了用户，则服务器可以根据该待估价物品B的实际定价，从用户的账户中扣除20元。
第二，当服务器确定出待估价物品的实际定价高于该待估价物品的估价的设定部分时，则可将该实际定价减去该估价的设定部分的差额支付给该用户，进而结束整个物品回收过程。例如，假设待估价物品C的估价为200元，实际定价为180元，先前服务器将该待估价物品C的估价的70％(即140元)支付给了用户，则服务器可以根据该待估价物品C的实际定价，再向用户支付40元。
第三，若服务器确定是按照第二回收方式回收该待估价物品的(即先复核再支付)，则可将该待估价物品的实际定价支付给用户，从而结束整个物品回收的过程。
需要说明的是，在整个物品回收过程中，服务器每执行到一步，即可向用户推送关于当前物品回收进度的消息。例如，服务器在通知取货方上门收货时，可以通过消息推送的方式，通知取货方即将上门取货。再例如，服务器将待估价物品的估价的设定部分支付给用户时，可以通过消息推送的方式，通知用户已将估价的部分金额支付给了用户。再例如，服务器根据该待估价物品的实际定价，将尾款支付给用户时，可以通过消息推送的方式，通知该用户，其中，这里提到的尾款是指该待估价物品的实际定价高出先前支付给用户的金额的部分。服务器通过消息推送的方式，可以使用户及时的了解到物品回收各个进程，便于用户进行实时的监督与跟进。
在本说明书中，当服务器完成整个物品回收过程后，可以针对此次物品回收，对用户的信用信息进行更新。如，服务器可以基于此次物品回收，给用户增加一定的信用度、信用积分，将此次物品回收记录在该用户的信用生活等。
当服务器向用户发送复核信息后，监测到经过设定时间后，用户依然没有基于该复核信息向服务器进行回复时，则可在监测到达设定时间后，自动确定该用户同意该复核信息中的实际定价，进而根据该待估价物品的实际定价，向用户进行支付。
当然，在监测到经过设定时间后，用户依然没有基于该复核信息向服务器进行回复时，也可确定该用户违约，以在根据待估价物品的实际定价，向用户进行支付时，扣除一定金额。服务器也可以在确定用户出现违约时，对用户采取其他的惩罚措施，如降低用户一定的信用度等。
在本说明书中，在执行物品回收业务的过程中，可以确定用户是否签订了相关协议，如代扣协议，违约协议等。当确定用户未签订协议时，则可以将该协议通过终端或客户端展示给用户查看，并在确定用户签订了该协议时，执行 该物品回收业务。其中，服务器可以在对该待估价物品进行估价前，将该协议展示给用户；也可以是在监测到用户确定基于该估价执行物品回收业务时，将该协议展示给用户；抑或是在将该估价的设定部分支付给用户时，将该协议展示给用户。换句话说，该协议展示的时机可以有多个，具体可以根据实际的业务需求而定，在此就不详细举例说明了。
从上述方法可以看出，由于在获取到待估价物品的实际图片以及标准图片后，即可通过实际图片与标准图片的对比分析，快速完成对待估价物品的估价，从而有效的提高了对物品进行估价的效率。
为了进一步的说明整个物品估价所涉及的各个过程，下面将继续以物品回收的业务场景为例，将执行整个物品回收业务的过程按照一定的顺序完整的进行描述，如图2所示。
图2为本说明书提供的执行整个物品回收业务的过程示意图。
服务器在确定用户执行物品回收业务时，可以对待估价物品进行估价。其中，服务器可以根据接收到的物品信息，确定出待估价物品，并获取到该待估价物品的实际图片。服务器可以从预设的图库中确定出该待估价物品的标准图片，进而根据该待估价物品的标准图片以及实际图片，对该待估价物品进行估价。
服务器对待估价物品完成估价后，可以根据用户的信用信息，确定采用何种收取方式，通过取货方收取该待估价物品。其中，当服务器根据用户的信用信息，确定出该用户的信用度不小于设定信用度时，则确定采用第一回收方式，通过取货方回收该待估价物品。当确定出该用户的信用度小于设定信用度时，则可根据用户的身份信息、风控信息等能够反映用户安全状况的信息，确定该用户是否为风险用户。当确定用户为风险用户时，则可直接结束整个物品回收业务。而当确定该用户为安全用户时，则可采用第二回收方式，通过取货方回收该待估价物品。下面将先对采用第一回收方式进行物品回收的过程进行描述，采用第二回收方式进行物品回收则在后续进行说明。
服务器可以通过终端或客户端向用户展示关于物品回收业务的协议，并提示用户签订该协议，以执行该物品回收业务的后续过程。当监测到用户确定按照该待估价物品的估价，执行物品回收业务时，则确定该用户执行下单操作，并通知取货方根据用户的地址信息进行上门取货。取货方成功从该用户处收取该待估计物品时，可以向服务器发送收取成功的消息，以使服务器确定取货方成功从该用户处收取该待估价物品，并将该待估价物品的估价的设定部分先行支付给用户。而当服务器确定取货方未成功从该用户处收取该待估价物品时(即取货方向服务器发送取货失败的消息)，则结束该物品回收业务。
复核人员可以通过取货方获取到该待估价物品，并对该待估价物品进行复核，得到该待估价物品的实际定价。复核人员可将该实际定价以及实际定价的原因输入到服务器中，而服务器可以根据该实际定价，确定该实际定价是否与待估价物品的估价相一致。若是，则服务器可将估价的剩余尾款支付给用户，并对该用户的信用信息进行更新，结束整个物品回收业务。而当确定该待估价物品的估价与实际定价不一致时，可以根据该实际定价以及实际定价的原因(当然还可包含其他的信息)，生成复核信息，并将该复核信息发送给用户。
在上述过程中，服务器可以根据物品回收业务的执行过程，向用户推送关于整个业务执行进度的消息，以使用户通过服务器推送的消息，实时的了解到整个物品回收业务的执行进程。
用户通过该复核信息如何继续执行该物品回收业务将在后续进行说明，而接下来将对服务器采用第二回收方式执行物品回收业务的过程进行说明，如图3所示。
图3为本说明书提供的服务器根据第二回收方式执行物品回收业务的过程示意图。
从图3可以看出，服务器根据第二回收方式执行物品回收业务与通过第一回收方式执行物品回收业务大致相同，主要的区别点在于，服务器需要先根据复核人员对该待估价物品的复核，再向用户进行支付。换句话说，第一回收方 式可以理解成“先支付再验货”，而第二回收方式则可以理解成“先验货再支付”。
图4为本说明书提供的用户根据服务器发送的复核信息执行物品回收业务的过程示意图。
用户通过终端或客户端接收到服务器发送的复核信息后，可以根据该复核信息中包含的该待估价物品的实际定价以及实际定价的原因，确定是否同意该复核结果。而服务器在确定用户同意该复核信息时，则可根据待估价物品的实际定价，向用户发起支付请求，并在确定用户确认该支付请求后，按照该待估价物品的实际定价，向用户进行支付，进而对该用户的信用信息实施更新后，结束这个物品回收业务。其中，服务器可以按照“多退少补”的原则，对用户进行支付，即，当确定该实际定价低于先前支付的待估价物品的估价的设定部分时，则可从用户的账户中扣除估价的设定部分减去该实际定价的差额，而当确定该实际定价高于先前支付的估价的设定部分时，则可将该实际定价减去该估价的设定部分的差额支付给用户。当然，若服务器是按照第二回收方式执行物品回收业务的，则可直接按照该实际定价，对用户进行支付。
服务器在监测到用户经过设定时间后仍未对上述复核信息进行确认时(即在设定时间内用户既未执行同意该复核信息的相关操作，也没有执行不同意该复核信息的相关操作)，则可确定该用户违约，进而可以基于该违约，执行一些惩罚措施，如，在向用户支付的过程中，扣除一定的金额，或是降低用户的信用度等。
服务器在监测到未成功向用户进行支付时，可以每隔一段时间，向用户重新发送该支付请求，而当监测到经过一定时间后，支付请求虽然成功发送给了该用户，但该用户迟迟没有同意时，则可确定该用户违约，进而在后续过程中，对该用户采取一定的惩罚措施。
而当接收到用户针对该复核信息发起的申述时，则可确定该用户不同意该复核信息，进行执行异议处理。服务器在异议处理过程中，可以向客服发送消息，以通过该消息通知客服与该用户联系并协商。服务器可以根据用户与客服 协商后所产生的客服记录，确定用户与客服是否达成了一致，若是，则可根据客服记录中记录的用户与客服就该待估价物品达成一致的价格，向用户进行支付。其中，服务器可以根据该达成一致的价格，向用户发起支付请求，并在确定支付成功时，更新用户的信用信息，结束整个物品回收业务。当根据该客服记录，确定用户与客服就该待估价物品的价格未达成一致时，则可通过取货方将该待估价物品返还给该用户。
同样，服务器在监测到未成功向用户进行支付时，可以每隔一段时间，向用户重新发送该支付请求，而当监测到经过一定时间后，支付请求虽然成功发送给了该用户，但该用户迟迟没有同意时，则可确定该用户违约，进而在后续对该用户采取一定的惩罚措施。
需要说明的是，在上述说明的物品回收过程中，服务器可以先判断用户的信用度是否不小于设定信用度，当确定该用户的信用度不小于设定信用度时，再通过终端提示该用户将待估价物品的物品信息，以及该待估价物品的实际图片发送给服务器，进而根据获取到的该物品信息以及实际图片，对该待估价物品进行估价。
而当确定该用户的信用度小于设定信用度时，则不再对该待估价物品实施估价，并可直接向取货方发送取货消息，以使取货方接收到该取货消息后，可以根据用户的地址信息进行上门取货。取货方可将收取的待估价物品送至复核人员进行复核，而复核人员可以通过对待估价物品的各个方面所进行的复核，确定出该待估价物品的实际定价，并将该实际定价输入至服务器。服务器可以根据该实际定价，对该用户进行支付。
当然，服务器在确定出用户的信用度小于设定信用度时，也可根据接收该待估价物品的物品信息，以及获取该待估价物品的实际图片，对该待估价物品进行估价并展示。其中，由于在用户的信用度小于设定信用度的情况下，服务器是根据复核人员对待估价物品确定出的实际定价来向用户进行支付的，所以，服务器通过终端将待估价物品的估价展示给用户是为了方便用户能够了解 最终会大致以一个什么样的价格对该待估价物品进行回收。
还需说明的是，上述均是以物品回收的场景，来对本说明书提供的物品估价方法进行说明的，而该物品估价的方法并不只是局限于物品回收的场景，诸如物品质押、物品转让、物品抵押等场景也一并适用。其中，该方法适用于诸如手机、电脑、汽车等便于收取的物品的物品抵押，而在执行物品抵押业务的过程中，服务器无论是根据待估价物品的估价还是该待估价物品的实际定价向用户支付金额的，都需要在确定向用户支付了相应的金额时，向取货方发送将该待估价物品返还至用户的消息，以使取货方通过该消息，将该待估价物品再返还给用户。
以上为本说明书的一个或多个实施例提供的物品估价方法，基于同样的思路，本说明书还提供物品估价的装置，如图5所示。
图5为本说明书提供的一种物品估价的装置示意图，具体包括：
接收模块501，接收待估价物品的物品信息，获取所述待估价物品的实际图片；
确定模块502，根据所述物品信息，从预设的图库中确定所述待估价物品的标准图片；
估价模块503，根据所述标准图片以及所述实际图片，对所述待估价物品进行估价。
所述估价模块503，根据所述标准图片以及所述实际图片，确定所述待估价物品的定损信息；根据所述定损信息，对所述待估价物品进行估价。
所述估价模块503，将所述标准图片以及所述实际图片输入到预设的模型中，并获得所述模型输出的对比结果；所述模型用于对比所述标准图片以及所述实际图片，根据所述对比结果确定所述待估价物品的定损信息并输出。
所述装置还包括：
发送模块504，当所述待估价物品为电子设备时，向所述待估价物品发送评测软件对应的安装包，以使所述待估价物品通过所述安装包安装所述评测软 件，并通过所述评测软件确定所述待估价物品的评测信息；获取所述评测信息。
所述发送模块504，获取所述待估价物品发送的所述评测信息；或获取包含所述评测信息的图片，根据包含所述评测信息的图片，确定所述评测信息。
所述估价模块503，根据所述标准图片以及所述实际图片，和/或所述评测信息，对所述待估价物品进行估价。
所述装置还包括：
执行模块505，根据所述估价，执行业务，所述业务包括：物品回收、物品质押中的至少一种。
所述执行模块505，确定所述用户的信用度；当确定所述用户的信用度不小于设定信用度时，根据所述估价，确定小于所述估价的金额；将所述金额支付给所述用户；生成取货消息，所述取货消息用于通知取货方收取所述待估价物品。
本说明书还提供了一种执行业务的装置示意图，如图6所示。
图6为本说明书提供的一种执行业务的装置示意图，具体包括：
获取模块601，接收用户发送的待估价物品的物品信息，获取所述待估价物品的实际图片；
确定模块602，根据所述物品信息，从预设的图库中确定所述待估价物品的标准图片；
估价模块603，根据所述标准图片以及所述实际图片，对所述待估价物品进行估价；
执行模块604，根据所述用户的信用度以及所述待估价物品的估价，执行业务。
所述业务包括：物品回收、物品质押中的至少一种。
所述执行模块604，当确定所述用户的信用度不小于设定信用度时，根据所述估价，确定小于所述估价的金额；将所述金额支付给所述用户，并生成取货消息，所述取货消息用于通知取货方收取所述待估价物品。
基于上述说明的物品估价的方法，本说明书还对应提供了一种物品估价的设备，如图7所示。该物品估价的设备包括一个或多个处理器及存储器，所述存储器存储有程序，并且被配置成由所述一个或多个处理器执行以下步骤：
接收待估价物品的物品信息，获取所述待估价物品的实际图片；
根据所述物品信息，从预设的图库中确定所述待估价物品的标准图片；
根据所述标准图片以及所述实际图片，对所述待估价物品进行估价。
基于上述说明的业务执行的方法，本说明书还对应提供了一种业务执行的设备，如图8所示。该业务执行的设备包括一个或多个处理器及存储器，所述存储器存储有程序，并且被配置成由所述一个或多个处理器执行以下步骤：
接收用户发送的待估价物品的物品信息，获取所述待估价物品的实际图片；
根据所述物品信息，从预设的图库中确定所述待估价物品的标准图片；
根据所述标准图片以及所述实际图片，对所述待估价物品进行估价；
根据所述用户的信用度以及所述待估价物品的估价，执行业务。
在本说明书的一个或多个实施例中，可以根据接收到的待估价物品的物品信息，从预设的图库中确定出该待估价物品的标准图片，并根据获取到的该待估价物品的实际图片以及确定出的标准图片，对该待估价物品进行估价。由于在获取到待估价物品的实际图片以及标准图片后，即可通过实际图片与标准图片的对比分析，快速完成对待估价物品的估价，从而提高了物品的估价效率。
在20世纪90年代，对于一个技术的改进可以很明显地区分是硬件上的改进(例如，对二极管、晶体管、开关等电路结构的改进)还是软件上的改进(对于方法流程的改进)。然而，随着技术的发展，当今的很多方法流程的改进已经可以视为硬件电路结构的直接改进。设计人员几乎都通过将改进的方法流程编程到硬件电路中来得到相应的硬件电路结构。因此，不能说一个方法流程的改进就不能用硬件实体模块来实现。例如，可编程逻辑器件(Programmable Logic Device,PLD)(例如现场可编程门阵列(Field Programmable Gate Array， FPGA))就是这样一种集成电路，其逻辑功能由用户对器件编程来确定。由设计人员自行编程来把一个数字系统“集成”在一片PLD上，而不需要请芯片制造厂商来设计和制作专用的集成电路芯片。而且，如今，取代手工地制作集成电路芯片，这种编程也多半改用“逻辑编译器(logic compiler)”软件来实现，它与程序开发撰写时所用的软件编译器相类似，而要编译之前的原始代码也得用特定的编程语言来撰写，此称之为硬件描述语言(Hardware Description Language，HDL)，而HDL也并非仅有一种，而是有许多种，如ABEL(Advanced Boolean Expression Language)、AHDL(Altera Hardware Description Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL(Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby Hardware Description Language)等，目前最普遍使用的是VHDL(Very-High-Speed Integrated Circuit Hardware Description Language)与Verilog。本领域技术人员也应该清楚，只需要将方法流程用上述几种硬件描述语言稍作逻辑编程并编程到集成电路中，就可以很容易得到实现该逻辑方法流程的硬件电路。
控制器可以按任何适当的方式实现，例如，控制器可以采取例如微处理器或处理器以及存储可由该(微)处理器执行的计算机可读程序代码(例如软件或固件)的计算机可读介质、逻辑门、开关、专用集成电路(Application Specific Integrated Circuit，ASIC)、可编程逻辑控制器和嵌入微控制器的形式，控制器的例子包括但不限于以下微控制器：ARC 625D、Atmel AT91SAM、Microchip PIC18F26K20以及Silicone Labs C8051F320，存储器控制器还可以被实现为存储器的控制逻辑的一部分。本领域技术人员也知道，除了以纯计算机可读程序代码方式实现控制器以外，完全可以通过将方法步骤进行逻辑编程来使得控制器以逻辑门、开关、专用集成电路、可编程逻辑控制器和嵌入微控制器等的形式来实现相同功能。因此这种控制器可以被认为是一种硬件部件，而对其内包括的用于实现各种功能的装置也可以视为硬件部件内的结构。或者甚至，可以 将用于实现各种功能的装置视为既可以是实现方法的软件模块又可以是硬件部件内的结构。
上述实施例阐明的系统、装置、模块或单元，具体可以由计算机芯片或实体实现，或者由具有某种功能的产品来实现。一种典型的实现设备为计算机。具体的，计算机例如可以为个人计算机、膝上型计算机、蜂窝电话、相机电话、智能电话、个人数字助理、媒体播放器、导航设备、电子邮件设备、游戏控制台、平板计算机、可穿戴设备或者这些设备中的任何设备的组合。
为了描述的方便，描述以上装置时以功能分为各种单元分别描述。当然，在实施本说明书所提供的方案时可以把各单元的功能在同一个或多个软件和/或硬件中实现。
本领域内的技术人员应明白，本说明书的实施例可提供为方法、系统、或计算机程序产品。因此，本说明书可采用完全硬件实施例、完全软件实施例、或结合软件和硬件方面的实施例的形式。而且，本说明书可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。
本说明书是参照根据本说明书一个或多个实施例的方法、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品，该指令装置实现在流程图一个流程或多个 流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。
在一个典型的配置中，计算设备包括一个或多个处理器(CPU)、输入/输出接口、网络接口和内存。
内存可能包括计算机可读介质中的非永久性存储器，随机存取存储器(RAM)和/或非易失性内存等形式，如只读存储器(ROM)或闪存(flash RAM)。内存是计算机可读介质的示例。
计算机可读介质包括永久性和非永久性、可移动和非可移动媒体可以由任何方法或技术来实现信息存储。信息可以是计算机可读指令、数据结构、程序的模块或其他数据。计算机的存储介质的例子包括，但不限于相变内存(PRAM)、静态随机存取存储器(SRAM)、动态随机存取存储器(DRAM)、其他类型的随机存取存储器(RAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、快闪记忆体或其他内存技术、只读光盘只读存储器(CD-ROM)、数字多功能光盘(DVD)或其他光学存储、磁盒式磁带，磁带磁磁盘存储或其他磁性存储设备或任何其他非传输介质，可用于存储可以被计算设备访问的信息。按照本文中的界定，计算机可读介质不包括暂存电脑可读媒体(transitory media)，如调制的数据信号和载波。
还需要说明的是，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、商品或者设备不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、商品或者设备所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括所述要素的过程、方法、商品或者设备中还存在另外的相同要素。
本说明书可以在由计算机执行的计算机可执行指令的一般上下文中描述，例如程序模块。一般地，程序模块包括执行特定任务或实现特定抽象数据类型的例程、程序、对象、组件、数据结构等等。也可以在分布式计算环境中实践本说明书的一个或多个实施例，在这些分布式计算环境中，由通过通信网络而被连接的远程处理设备来执行任务。在分布式计算环境中，程序模块可以位于包括存储设备在内的本地和远程计算机存储介质中。
本说明书中的各个实施例均采用递进的方式描述，各个实施例之间相同相似的部分互相参见即可，每个实施例重点说明的都是与其他实施例的不同之处。尤其，对于系统实施例而言，由于其基本相似于方法实施例，所以描述的比较简单，相关之处参见方法实施例的部分说明即可。
上述对本说明书特定实施例进行了描述。其它实施例在所附权利要求书的范围内。在一些情况下，在权利要求书中记载的动作或步骤可以按照不同于实施例中的顺序来执行并且仍然可以实现期望的结果。另外，在附图中描绘的过程不一定要求示出的特定顺序或者连续顺序才能实现期望的结果。在某些实施方式中，多任务处理和并行处理也是可以的或者可能是有利的。
以上所述仅为本说明书的一个或多个实施例而已，并不用于限制本说明书。对于本领域技术人员来说，本说明书的一个或多个实施例可以有各种更改和变化。凡在本说明书的一个或多个实施例的精神和原理之内所作的任何修改、等同替换、改进等，均应包含在本说明书的权利要求范围之内。

Claims (24)

  1. 一种物品估价的方法，包括：
    接收待估价物品的物品信息，获取所述待估价物品的实际图片；
    根据所述物品信息，从预设的图库中确定所述待估价物品的标准图片；
    根据所述标准图片以及所述实际图片，对所述待估价物品进行估价。
  2. 如权利要求1所述的方法，根据所述标准图片以及所述实际图片，对所述待估价物品进行估价，具体包括：
    根据所述标准图片以及所述实际图片，确定所述待估价物品的定损信息；
    根据所述定损信息，对所述待估价物品进行估价。
  3. 如权利要求2所述的方法，根据所述标准图片以及所述实际图片，确定所述待估价物品的定损信息，具体包括：
    将所述标准图片以及所述实际图片输入到预设的模型中，并获得所述模型输出的对比结果；所述模型用于对比所述标准图片以及所述实际图片，根据所述对比结果确定所述待估价物品的定损信息并输出。
  4. 如权利要求1～3任一所述的方法，根据所述标准图片以及所述实际图片，对所述待估价物品进行估价之前，所述方法还包括：
    当所述待估价物品为电子设备时，向所述待估价物品发送评测软件对应的安装包，以使所述待估价物品通过所述安装包安装所述评测软件，并通过所述评测软件确定所述待估价物品的评测信息；
    获取所述评测信息。
  5. 如权利要求4所述的方法，获取所述评测信息，具体包括：
    获取所述待估价物品发送的所述评测信息；或
    获取包含所述评测信息的图片，根据包含所述评测信息的图片，确定所述评测信息。
  6. 如权利要求5所述的方法，根据所述标准图片以及所述实际图片，对所述待估价物品进行估价，具体包括：
    根据所述标准图片以及所述实际图片，和/或所述评测信息，对所述待估价物品进行估价。
  7. 如权利要求1所述的方法，所述方法还包括：
    根据所述估价，执行业务，所述业务包括：物品回收、物品质押中的至少一种。
  8. 如权利要求7所述的方法，执行业务，具体包括：
    确定所述用户的信用度；
    当确定所述用户的信用度不小于设定信用度时，根据所述估价，确定小于所述估价的金额；
    将所述金额支付给所述用户，并生成取货消息，所述取货消息用于通知取货方收取所述待估价物品。
  9. 一种执行业务的方法，包括：
    接收用户发送的待估价物品的物品信息，获取所述待估价物品的实际图片；
    根据所述物品信息，从预设的图库中确定所述待估价物品的标准图片；
    根据所述标准图片以及所述实际图片，对所述待估价物品进行估价；
    根据所述用户的信用度以及所述待估价物品的估价，执行业务。
  10. 如权利要求9所述的方法，所述业务包括：物品回收、物品质押中的至少一种。
  11. 如权利要求10所述的方法，根据所述用户的信用度以及所述待估价物品的估价，执行业务，具体包括：
    当确定所述用户的信用度不小于设定信用度时，根据所述估价，确定小于所述估价的金额；
    将所述金额支付给所述用户，并生成取货消息，所述取货消息用于通知取货方收取所述待估价物品。
  12. 一种物品估价的装置，包括：
    接收模块，接收待估价物品的物品信息，获取所述待估价物品的实际图片；
    确定模块，根据所述物品信息，从预设的图库中确定所述待估价物品的标准图片；
    估价模块，根据所述标准图片以及所述实际图片，对所述待估价物品进行估价。
  13. 如权利要求12所述的装置，所述估价模块，根据所述标准图片以及所述实际图片，确定所述待估价物品的定损信息；根据所述定损信息，对所述待估价物品进行估价。
  14. 如权利要求13所述的装置，所述估价模块，将所述标准图片以及所述实际图片输入到预设的模型中，并获得所述模型输出的对比结果；所述模型用于对比所述标准图片以及所述实际图片，根据所述对比结果确定所述待估价物品的定损信息并输出。
  15. 如权利要求12～14任一所述的装置，所述装置还包括：
    发送模块，当所述待估价物品为电子设备时，向所述待估价物品发送评测软件对应的安装包，以使所述待估价物品通过所述安装包安装所述评测软件，并通过所述评测软件确定所述待估价物品的评测信息；获取所述评测信息。
  16. 如权利要求15所述的装置，所述发送模块，获取所述待估价物品发送的所述评测信息；或获取包含所述评测信息的图片，根据包含所述评测信息的图片，确定所述评测信息。
  17. 如权利要求16所述的装置，所述估价模块，根据所述标准图片以及所述实际图片，和/或所述评测信息，对所述待估价物品进行估价。
  18. 如权利要求12所述的装置，所述装置还包括：
    执行模块，根据所述估价，执行业务，所述业务包括：物品回收、物品质押中的至少一种。
  19. 如权利要求18所述的装置，所述执行模块，确定所述用户的信用度；当确定所述用户的信用度不小于设定信用度时，根据所述估价，确定小于所述估价的金额；将所述金额支付给所述用户；生成取货消息，所述取货消息用于通知取货方收取所述待估价物品。
  20. 一种执行业务的装置，包括：
    获取模块，接收用户发送的待估价物品的物品信息，获取所述待估价物品的实际图片；
    确定模块，根据所述物品信息，从预设的图库中确定所述待估价物品的标准图片；
    估价模块，根据所述标准图片以及所述实际图片，对所述待估价物品进行估价；
    执行模块，根据所述用户的信用度以及所述待估价物品的估价，执行业务。
  21. 如权利要求20所述的装置，所述业务包括：物品回收、物品质押中的至少一种。
  22. 如权利要求21所述的装置，所述执行模块，当确定所述用户的信用度不小于设定信用度时，根据所述估价，确定小于所述估价的金额；将所述金额支付给所述用户，并生成取货消息，所述取货消息用于通知取货方收取所述待估价物品。
  23. 一种物品估价的设备，包括：一个或多个存储器以及处理器，所述存储器存储程序，并且被配置成由所述一个或多个处理器执行以下步骤：
    接收待估价物品的物品信息，获取所述待估价物品的实际图片；
    根据所述物品信息，从预设的图库中确定所述待估价物品的标准图片；
    根据所述标准图片以及所述实际图片，对所述待估价物品进行估价。
  24. 一种执行业务的设备，包括：一个或多个存储器以及处理器，所述存储器存储程序，并且被配置成由所述一个或多个处理器执行以下步骤：
    接收用户发送的待估价物品的物品信息，获取所述待估价物品的实际图片；
    根据所述物品信息，从预设的图库中确定所述待估价物品的标准图片；
    根据所述标准图片以及所述实际图片，对所述待估价物品进行估价；
    根据所述用户的信用度以及所述待估价物品的估价，执行业务。
PCT/CN2018/098247 2017-08-04 2018-08-02 一种物品估价的方法及装置 WO2019024883A1 (zh)

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