CN106780049A - A kind of vehicle finance credit method and device - Google Patents
A kind of vehicle finance credit method and device Download PDFInfo
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- CN106780049A CN106780049A CN201611109313.6A CN201611109313A CN106780049A CN 106780049 A CN106780049 A CN 106780049A CN 201611109313 A CN201611109313 A CN 201611109313A CN 106780049 A CN106780049 A CN 106780049A
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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Abstract
The embodiment of the invention discloses a kind of vehicle finance credit method and device.The method includes：Obtain the static data of commerial vehicle；According to the driving trace of the commerial vehicle, the operational parameter of the commerial vehicle is determined；According to the cost calculation model of the static data of the commerial vehicle, operational parameter and advance structure, the operation cost of the commerial vehicle is determined, wherein the operation cost is taken comprising oil, maintenance cost, abrasion depreciation cost, high speed are taken and insurance premium；According to the operation cost of the commerial vehicle, the credit data of the commerial vehicle are determined.Technical scheme provided in an embodiment of the present invention, credit data are determined by according to operation cost, and improve has matching degree high between credit data and the loan repayment capacity of user, improve Consumer's Experience.
Description
Technical field
The present embodiments relate to technical field of data processing, more particularly to a kind of vehicle finance credit method and device.
Background technology
Car networking big data in logistics, the field extensive application such as banking and insurance business, wherein application is the most urgent and is easy to
A kind of implementation realized is exactly the application of financial credit.
Existing vehicle finance credit method, Main Basiss vehicle value and the passing credit record of vehicle owning user
Determine the credit data of vehicle.The credit record passing yet with new user is lacked, so as to cannot be given effectively for new user
Credit, and due to determining the credit data of vehicle only in accordance with vehicle value and passing credit record, cause credit number
It is relatively low according to the matching degree between user's loan repayment capacity.Thus existing financial credit method excessively cannot simply meet user's need
Ask.
The content of the invention
The embodiment of the present invention provides a kind of vehicle finance credit method and device, is gone back with user with by vehicle finance credit
Matching degree between money ability.
On the one hand, a kind of vehicle finance credit method is the embodiment of the invention provides, including：
Obtain the static data of commerial vehicle；
According to the driving trace of the commerial vehicle, the operational parameter of the commerial vehicle is determined；
According to the static data of the commerial vehicle, operational parameter and the cost calculation model for building in advance, institute is determined
The operation cost of commerial vehicle is stated, wherein the operation cost is taken comprising oil, maintenance cost, abrasion depreciation cost, high speed are taken and insured
Take；
According to the operation cost of the commerial vehicle, the credit data of the commerial vehicle are determined.
On the other hand, the embodiment of the present invention additionally provides a kind of vehicle finance credit device, including：
Static data acquisition module, the static data for obtaining commerial vehicle；
Operational parameter determining module, for the driving trace according to the commerial vehicle, determines the fortune of the commerial vehicle
Battalion's parameter；
Operation cost determining module, builds for the static data according to the commerial vehicle, operational parameter and in advance
Cost calculation model, determine the operation cost of the commerial vehicle, wherein the operation cost comprising oil take, maintenance cost, mill
Damage depreciation cost, take and insurance premium at a high speed；
Credit data determining module, for the operation cost according to the commerial vehicle, determines awarding for the commerial vehicle
Letter data.
Technical scheme provided in an embodiment of the present invention, the fortune of commerial vehicle is determined by the driving trace according to commerial vehicle
Battalion's parameter, and according to the static data of commerial vehicle, operational parameter and cost calculation model, determine the operation of commerial vehicle into
This, then determines the credit data of commerial vehicle according to the operation cost of commerial vehicle, due to commerial vehicle operation cost with
The profitability positive correlation of commerial vehicle, i.e. operation cost and the loan repayment capacity positive correlation of commerial vehicle owning user, therefore foundation
There is matching degree high between the credit data and the loan repayment capacity of user of operation cost determination, Consumer's Experience is improved.
Brief description of the drawings
Fig. 1 is a kind of flow chart of vehicle finance credit method of offer in the embodiment of the present invention one；
Fig. 2 is a kind of flow chart of vehicle finance credit method of offer in the embodiment of the present invention one；
Fig. 3 is a kind of structure chart of vehicle finance credit device of offer in the embodiment of the present invention one.
Specific embodiment
The present invention is described in further detail with reference to the accompanying drawings and examples.It is understood that this place is retouched
The specific embodiment stated is used only for explaining the present invention, rather than limitation of the invention.It also should be noted that, in order to just
Part rather than entire infrastructure related to the present invention is illustrate only in description, accompanying drawing.
Embodiment one
Fig. 1 is a kind of flow chart of vehicle finance credit method of offer in the embodiment of the present invention one.The side of the present embodiment
Method can be performed by vehicle finance credit device, and the device can be realized by way of hardware and/or software.With reference to Fig. 1, this
The vehicle finance credit method that embodiment is provided can specifically include as follows：
Step 11, the static data for obtaining commerial vehicle.
In the present embodiment, the static data of commerial vehicle can include the vehicle model of commerial vehicle, brand, load-carrying,
Vehicle fuel type, every kilometer of maintenance, every kilometer of wheel under different speed per hours per gas mileage, different regions oil price, needed for vehicle
At least one in tire loss, the vehicle number of axle, tire number and vehicular gross combined weight.Also, national expressway charge can also be obtained
Standard.
Step 12, the driving trace according to the commerial vehicle, determine the operational parameter of the commerial vehicle.
Specifically, the track harvester for passing through to be set on commerial vehicle gathers the driving trace of commerial vehicle, for example with
30s is that time interval timing carries out driving trace collection.Can determine vehicle traveling information and driving by analyzing driving trace
Custom, driving trace can intuitively show group refueling, maintenance and other POI (Point of Interest, point of interest)
Stop information.Thus distance travelled, travel type, travel speed, OK can be determined according to the driving trace of commerial vehicle
In sailing location, oiling location, gas station's type, different regions distance travelled, the distance travelled of different expressway
At least one operational parameter.
Step 13, the static data according to the commerial vehicle, operational parameter and the cost calculation model for building in advance,
Determine the operation cost of the commerial vehicle, wherein the operation cost comprising oil take, maintenance cost, wear and tear depreciation cost, high speed expense
And insurance premium.
In the present embodiment, cost calculation model is used to calculate the oily expense of commerial vehicle, maintenance cost, abrasion depreciation cost, high speed
Take and the operation cost such as insurance premium.The training of cost calculation model can include：By the static data of a large amount of vehicles in use, operation
Parameter and operation cost, as the sample data of cost calculation model, cost calculation model are obtained through machine learning training.Specifically
, for each commerial vehicle, using the static data and operational parameter of the commerial vehicle as cost calculation model input number
According to cost calculation model determines the operation cost of the commerial vehicle according to input data.
It should be noted that cost calculation model can directly be calculated and export the operation cost of commerial vehicle, it is also possible to
Oily expense, maintenance cost, at a high speed abrasion depreciation cost, expense and the insurance premium of commerial vehicle are calculated and exported respectively.
Step 14, the operation cost according to the commerial vehicle, determine the credit data of the commerial vehicle.
Due to the profitability positive correlation of the operation cost and commerial vehicle of commerial vehicle, such as operation cost/profit coefficient
=profit, wherein profit coefficient is less than 1 and more than 0, therefore the credit data of the operation cost of commerial vehicle and commerial vehicle are just
Correlation, therefore there is matching degree high between the credit data and the loan repayment capacity of user of the commerial vehicle determined according to operation cost.
The technical scheme that the present embodiment is provided, the operation for determining commerial vehicle by the driving trace according to commerial vehicle is joined
Number, and according to the static data of commerial vehicle, operational parameter and cost calculation model, determine the operation cost of commerial vehicle, with
The credit data of commerial vehicle are determined according to the operation cost of commerial vehicle afterwards, due to the operation cost and commercial vehicle of commerial vehicle
Profitability positive correlation, i.e. the loan repayment capacity positive correlation of operation cost and commerial vehicle owning user, therefore according to runing into
There is matching degree high between the credit data and the loan repayment capacity of user of this determination, Consumer's Experience is improved.
Exemplary, according to the static data of the commerial vehicle, operational parameter and the cost calculation mould for building in advance
Type, determines the oily expense of the commerial vehicle, can include：The vehicle model of the commerial vehicle, brand, load-carrying, vehicle are existed
At least one static data under different speed per hours in every gas mileage, different regions oil price and fuel type needed for vehicle, and
The distance travelled of the commerial vehicle, travel type, travel speed, traveling location, oiling location and add
At least one operational parameter in petrol station type is input to the cost calculation model；Obtain what the cost calculation model determined
The oily of the commerial vehicle takes.
Exemplary, according to the static data of the commerial vehicle, operational parameter and the cost calculation mould for building in advance
Type, determines the maintenance cost of the commerial vehicle, including：By every kilometer of commerial vehicle maintenance, distance travelled and differently
Area's distance travelled is input to the cost calculation model；Obtain the maintenance of the commerial vehicle that the cost calculation model determines
Take.
Exemplary, according to the static data of the commerial vehicle, operational parameter and the cost calculation mould for building in advance
Type, determines the abrasion depreciation cost of the commerial vehicle, including：By every kilometer of tire wear of the commerial vehicle, the vehicle number of axle
With at least one static data in tire number, and the commerial vehicle distance travelled, traveling location and travel road
At least one operational parameter in the type of road is input to the cost calculation model；Obtain the institute that the cost calculation model determines
State the abrasion depreciation cost of commerial vehicle.
Exemplary, according to the static data of the commerial vehicle, operational parameter and the cost calculation mould for building in advance
Type, determines the high speed expense of the commerial vehicle, including：By expressway charge standard, the vehicular gross combined weight of the commerial vehicle and
At least one static data in the vehicle number of axle, and distance travelled of the commerial vehicle in different expressways be input to it is described
Cost calculation model；Obtain the high speed expense of the commerial vehicle that the cost calculation model determines.
Exemplary, according to the static data of the commerial vehicle, operational parameter and the cost calculation mould for building in advance
Type, determines the insurance premium of the commerial vehicle, including：By the vehicle brand model of the commerial vehicle, value and Industry Mean
In at least one static data, and the commerial vehicle the be in danger frequency and at least one dynamic number for being in danger in type
According to being input to the cost calculation model；Obtain the insurance premium of the commerial vehicle that the cost calculation model determines.
Such scheme introduces track data by novelty in financial credit, with reference to vehicle static data, effectively and
Oily expense, maintenance cost, at a high speed abrasion depreciation cost, expense and the insurance premium of vehicle are accurately calculated, i.e., is efficiently and accurately calculated
The operation cost of vehicle, improves the degree of accuracy of operation cost, so as to improve between credit data and user's loan repayment capacity
Matching degree.
Embodiment two
The present embodiment is on the basis of above-described embodiment one, there is provided a kind of new vehicle finance credit method.Fig. 2 is this
A kind of flow chart of vehicle finance credit method provided in inventive embodiments two.With reference to Fig. 2, the vehicle gold that the present embodiment is provided
Melt credit method can specifically include it is as follows：
Step 21, the static data for obtaining commerial vehicle.
Step 22, the driving trace according to the commerial vehicle, determine the operational parameter of the commerial vehicle；
Step 23, the static data according to the commerial vehicle, operational parameter and the cost calculation model for building in advance,
Determine the operation cost of the commerial vehicle.
Wherein described operation cost is taken comprising oil, maintenance cost, abrasion depreciation cost, high speed are taken and insurance premium.
Step 24, the operation cost according to the commerial vehicle, determine the credit data of the commerial vehicle.
Exemplary, step 24 includes：According to the operation cost of the commerial vehicle, and the operation cost for building in advance
With the mapping relations between credit grade, the credit data of the commerial vehicle are determined.
Specifically, it may be determined that the affiliated operation cost scope of operation cost, and according to operation cost scope and credit grade
Between mapping relations, determine the corresponding credit grade of operation cost, and the credit data that credit grade is associated determine operation
The credit data of vehicle.It should be noted that can also be according to the numerical relation between operation cost and credit data, directly really
Determine credit data.
Step 25, the operation cost for redefining the commerial vehicle, and determine the operation according to new operation cost
The credit degree of safety of vehicle.
Specifically, it is determined that after credit data, continuing to obtain the driving trace of commerial vehicle, and operational parameter is updated,
And the static data and the operational parameter of renewal according to commerial vehicle update the operation cost of commerial vehicle, then according to new
Operation cost determines the credit degree of safety of commerial vehicle, such as the credit degree of safety positive of new operation cost Yu commerial vehicle
Close.
During the operation of vehicle in use, credit degree of safety is determined by the operation cost for updating vehicle in use, be easy to
Credit side obtains the credit degree of safety of vehicle in use after credit, compared at present only in times such as credit, loan and gatherings
The credit of point determination vehicle in use, understands the traffic-operating period of vehicle with being conducive to the replacing of credit side, increased credit side and user
Between link up.
If step 26, the credit degree of safety of the commerial vehicle are less than default credit degree of safety threshold value, to credit side
Send warning reminding.
The refund risk caused by the factor such as being not good to car operation during loan carries out early warning in time, is easy to credit
Side understands the degree of safety of loan in time.
The technical scheme that the present embodiment is provided, after credit data are determined according to the operation cost of commerial vehicle, also updates
The operation cost of commerial vehicle, then determines the credit degree of safety of commerial vehicle according to new operation cost, and if the battalion
The credit degree of safety for transporting vehicle is less than default credit degree of safety threshold value, then send warning reminding to credit side.By determining to award
Low the understand vehicle traffic-operating period with being conducive to the replacing of credit side of letter degree of safety, increased and linked up between credit side and user, with
And the refund risk caused by the factor such as being not good to car operation during loan carries out early warning in time, is easy to credit side timely
Understand the degree of safety of loan.
Embodiment three
Present embodiments provide a kind of vehicle finance credit device.Fig. 3 is a kind of car of offer in the embodiment of the present invention three
The structure chart of financial credit dress, as shown in figure 3, vehicle finance credit device can include：
Static data acquisition module 31, the static data for obtaining commerial vehicle；
Operational parameter determining module 32, for the driving trace according to the commerial vehicle, determines the commerial vehicle
Operational parameter；
Operation cost determining module 33, for the static data according to the commerial vehicle, operational parameter and advance structure
The cost calculation model built, determines the operation cost of the commerial vehicle, wherein the operation cost comprising oil take, maintenance cost,
Abrasion depreciation cost, high speed are taken and insurance premium；
Credit data determining module 34, for the operation cost according to the commerial vehicle, determines the commerial vehicle
Credit data.
Exemplary, credit data determining module 34 specifically can be used for：
According to the operation cost of the commerial vehicle, and the mapping between the operation cost and credit grade of structure in advance
Relation, determines the credit data of the commerial vehicle.
Exemplary, said apparatus can also include：Credit degree of safety module, in the fortune according to the commerial vehicle
Battalion's cost, determines after the credit data of the commerial vehicle, redefines the operation cost of the commerial vehicle, and according to new
Operation cost determine the credit degree of safety of the commerial vehicle.
Exemplary, said apparatus can also include：Alarm module, for determining the battalion according to new operation cost
After the credit degree of safety of fortune vehicle, if the credit degree of safety of the commerial vehicle is less than default credit degree of safety threshold value,
Warning reminding is sent to credit side.
Exemplary, operation cost determining module 33 specifically can be used for：
By the vehicle model of the commerial vehicle, brand, load-carrying, vehicle under different speed per hours per gas mileage, differently
At least one static data in fuel type needed for area's oil price and vehicle, and the commerial vehicle distance travelled, traveling
At least one operational parameter in road type, travel speed, traveling location, oiling location and gas station's type
It is input to the cost calculation model；
Obtain the oily expense of the commerial vehicle that the cost calculation model determines.
Exemplary, operation cost determining module 33 specifically can be used for：
By every kilometer of maintenance of the commerial vehicle, distance travelled and different regions distance travelled are input to the cost meter
Calculate model；
Obtain the maintenance cost of the commerial vehicle that the cost calculation model determines.
Exemplary, operation cost determining module 33 specifically can be used for：
By at least one static data in every kilometer of tire wear of the commerial vehicle, the vehicle number of axle and tire number,
And distance travelled, at least one operational parameter input travelled in location and travel type of the commerial vehicle
To the cost calculation model；
Obtain the abrasion depreciation cost of the commerial vehicle that the cost calculation model determines.
Exemplary, operation cost determining module 33 specifically can be used for：
By at least one static number in expressway charge standard, the vehicular gross combined weight of the commerial vehicle and the vehicle number of axle
According to, and distance travelled of the commerial vehicle in different expressways be input to the cost calculation model；
Obtain the high speed expense of the commerial vehicle that the cost calculation model determines.
Exemplary, operation cost determining module 33 specifically can be used for：
By at least one static data in the vehicle brand model of the commerial vehicle, value and Industry Mean, and
At least one dynamic data in the be in danger frequency and type of being in danger of the commerial vehicle, is input to the cost calculation model；
Obtain the insurance premium of the commerial vehicle that the cost calculation model determines.
The vehicle finance credit device that the present embodiment is provided, the vehicle finance credit provided with any embodiment of the present invention
Method belongs to same inventive concept, can perform the vehicle finance credit method that any embodiment of the present invention is provided, and possesses execution
The vehicle finance corresponding functional module of credit method and beneficial effect.Not ins and outs of detailed description in the present embodiment, can
The vehicle finance credit method provided referring to any embodiment of the present invention.
Note, above are only presently preferred embodiments of the present invention and institute's application technology principle.It will be appreciated by those skilled in the art that
The invention is not restricted to specific embodiment described here, can carry out for a person skilled in the art various obvious changes,
Readjust and substitute without departing from protection scope of the present invention.Therefore, although the present invention is carried out by above example
It is described in further detail, but the present invention is not limited only to above example, without departing from the inventive concept, also
More other Equivalent embodiments can be included, and the scope of the present invention is determined by scope of the appended claims.
Claims (10)
1. a kind of vehicle finance credit method, it is characterised in that including：
Obtain the static data of commerial vehicle；
According to the driving trace of the commerial vehicle, the operational parameter of the commerial vehicle is determined；
According to the static data of the commerial vehicle, operational parameter and the cost calculation model for building in advance, the battalion is determined
The operation cost of fortune vehicle, wherein the operation cost is taken comprising oil, maintenance cost, abrasion depreciation cost, high speed are taken and insurance premium；
According to the operation cost of the commerial vehicle, the credit data of the commerial vehicle are determined.
2. method according to claim 1, it is characterised in that according to the operation cost of the commerial vehicle, it is determined that described
The credit data of commerial vehicle, including：
According to the operation cost of the commerial vehicle, and the mapping between the operation cost and credit grade of structure is closed in advance
System, determines the credit data of the commerial vehicle.
3. method according to claim 1, it is characterised in that according to the operation cost of the commerial vehicle, it is determined that described
After the credit data of commerial vehicle, including：
The operation cost of the commerial vehicle is redefined, and determines that the credit of the commerial vehicle is pacified according to new operation cost
Whole step.
4. method according to claim 3, it is characterised in that determine awarding for the commerial vehicle according to new operation cost
After letter degree of safety, including：
If the credit degree of safety of the commerial vehicle is less than default credit degree of safety threshold value, sends alarm to credit side and carry
Wake up.
5. method according to claim 1, it is characterised in that according to the static data of the commerial vehicle, operational parameter
And the cost calculation model for building in advance, determine the oily expense of the commerial vehicle, including：
By the vehicle model of the commerial vehicle, brand, load-carrying, vehicle, every gas mileage, different regions are oily under different speed per hours
At least one static data in fuel type needed for valency and vehicle, and the commerial vehicle distance travelled, travel
At least one operational parameter input in type, travel speed, traveling location, oiling location and gas station's type
To the cost calculation model；
Obtain the oily expense of the commerial vehicle that the cost calculation model determines.
6. method according to claim 1, it is characterised in that according to the static data of the commerial vehicle, operational parameter
And the cost calculation model for building in advance, determine the maintenance cost of the commerial vehicle, including：
By every kilometer of maintenance of the commerial vehicle, distance travelled and different regions distance travelled are input to the cost calculation mould
Type；
Obtain the maintenance cost of the commerial vehicle that the cost calculation model determines.
7. method according to claim 1, it is characterised in that according to the static data of the commerial vehicle, operational parameter
And the cost calculation model for building in advance, determine the abrasion depreciation cost of the commerial vehicle, including：
By at least one static data in every kilometer of tire wear of the commerial vehicle, the vehicle number of axle and tire number, and
The distance travelled of the commerial vehicle, at least one operational parameter travelled in location and travel type are input to institute
State cost calculation model；
Obtain the abrasion depreciation cost of the commerial vehicle that the cost calculation model determines.
8. method according to claim 1, it is characterised in that according to the static data of the commerial vehicle, operational parameter
And the cost calculation model for building in advance, determine the high speed expense of the commerial vehicle, including：
By at least one static data in expressway charge standard, the vehicular gross combined weight of the commerial vehicle and the vehicle number of axle,
And distance travelled of the commerial vehicle in different expressways is input to the cost calculation model；
Obtain the high speed expense of the commerial vehicle that the cost calculation model determines.
9. method according to claim 1, it is characterised in that according to the static data of the commerial vehicle, operational parameter
And the cost calculation model for building in advance, determine the insurance premium of the commerial vehicle, including：
It is and described by least one static data in the vehicle brand model of the commerial vehicle, value and Industry Mean
At least one dynamic data in the be in danger frequency and type of being in danger of commerial vehicle, is input to the cost calculation model；
Obtain the insurance premium of the commerial vehicle that the cost calculation model determines.
10. a kind of vehicle finance credit device, it is characterised in that including：
Static data acquisition module, the static data for obtaining commerial vehicle；
Operational parameter determining module, for the driving trace according to the commerial vehicle, determines the operation ginseng of the commerial vehicle
Number；
Operation cost determining module, for the static data according to the commerial vehicle, operational parameter and in advance build into
This computation model, determines the operation cost of the commerial vehicle, wherein the operation cost comprising oil take, maintenance cost, abrasion roll over
It is old to take, take at a high speed and insurance premium；
Credit data determining module, for the operation cost according to the commerial vehicle, determines the credit number of the commerial vehicle
According to.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611109313.6A CN106780049B (en) | 2016-12-06 | 2016-12-06 | Vehicle financial credit granting method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611109313.6A CN106780049B (en) | 2016-12-06 | 2016-12-06 | Vehicle financial credit granting method and device |
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| CN106780049A true CN106780049A (en) | 2017-05-31 |
| CN106780049B CN106780049B (en) | 2020-12-04 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201611109313.6A Active CN106780049B (en) | 2016-12-06 | 2016-12-06 | Vehicle financial credit granting method and device |
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| CN107292736A (en) * | 2017-08-08 | 2017-10-24 | 广州翼速物联科技有限公司 | Loan for purchasing car and post-loan management system |
| CN111445122A (en) * | 2020-03-25 | 2020-07-24 | 上海盔甲网络科技有限公司 | Systematic management scheme for vehicle operation wind control |
| CN112419049A (en) * | 2020-12-08 | 2021-02-26 | 中国建设银行股份有限公司 | Quota determining method and device |
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| US20070282638A1 (en) * | 2006-06-04 | 2007-12-06 | Martin Surovy | Route based method for determining cost of automobile insurance |
| CN103150675A (en) * | 2013-01-30 | 2013-06-12 | 郁佳敏 | Risk monitoring system of automobile insurance |
| CN104575063A (en) * | 2014-12-26 | 2015-04-29 | 北京中交兴路车联网科技有限公司 | Pre-warning method for vehicle |
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| CN107292736A (en) * | 2017-08-08 | 2017-10-24 | 广州翼速物联科技有限公司 | Loan for purchasing car and post-loan management system |
| CN111445122A (en) * | 2020-03-25 | 2020-07-24 | 上海盔甲网络科技有限公司 | Systematic management scheme for vehicle operation wind control |
| CN112419049A (en) * | 2020-12-08 | 2021-02-26 | 中国建设银行股份有限公司 | Quota determining method and device |
Also Published As
| Publication number | Publication date |
|---|---|
| CN106780049B (en) | 2020-12-04 |
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