CN107103533A - Financial early warning system - Google Patents
Financial early warning system Download PDFInfo
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- CN107103533A CN107103533A CN201710430556.8A CN201710430556A CN107103533A CN 107103533 A CN107103533 A CN 107103533A CN 201710430556 A CN201710430556 A CN 201710430556A CN 107103533 A CN107103533 A CN 107103533A
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- alarm
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- Accounting & Taxation (AREA)
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- Technology Law (AREA)
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- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a kind of financial early warning system, it is therefore an objective to sets up the system that the financial credit of complete set purchases car；Loan purchase Chinese herbaceous peony carries out loan risk evaluation and the examination ＆ verification of big data to creditor；The data analysis modeling transmitted after loan purchase car by vehicle carries out polytype alarm to loan vehicle and carries out analysis decision, remove alarm, high-risk alarm, shielding alarm, it is anti-to borrow purchase alarm, no signal alarm, no data is alarmed, the alarm of position accumulation point, high risk zone alarm, and then to may the behavior of cheating loan give warning in advance；To not refunding vehicle or the vehicle cheated loan can carry out the display on map by backstage or APP, the situation of vehicle is monitored, former historical track is checked；The APP that the relevant information and positional information of the vehicle to be given for change are issued to trailer mechanism carries out looking for car and trailer.
Description
Technical field
It is to be related to the big data analysis of purchase car financial credit the present invention relates to the system, and in particular to a kind of financial early warning system
System.
Background technology
With the improvement of living standards, the increasingly popularization of vehicle, the people of loan purchase car is more and more, do not refunded after making loans
Or loan buying car cheat loan car the problem of increasingly highlight, therefore loan risk evaluation and examination ＆ verification, car is laggard swindles for loan purchase
Borrow early warning；The generation car not refunding or cheat loan retrieve the problem of be relatively difficult at present；It is difficult to find in advance at present
Cheat loan and purchase car, only grade purchases situations such as car people is overdue not to refund and occurs just knowing；To having occurred behavior of not refunding or cheat loan
Car be difficult to give for change, can only phone contact loan purchase when the contact method that leaves contacted, the family left to creditor
Location, work address, the address resided on address, certificate carries out lookup vehicle, is like to look for a needle in a haystack.
Present loan purchase car is difficult the vehicle for finding to cheat loan or early warning is not refunded in advance；Do not refund or cheat loan to having occurred
The car of behavior is difficult to give for change, because creditor does not get through again after leaving the contact method of mistake, such as telephone number, purchase car,
False identity card, the home address of mistake, work address, resident address are provided, allow the people for looking for car to can not find car.
The present invention sets up the system that the financial credit of complete set purchases car；Loan purchase Chinese herbaceous peony carries out big data to creditor
Loan risk evaluation and examination ＆ verification；The data analysis modeling transmitted after loan purchase car by vehicle carries out polytype to loan vehicle
Alarm carry out analysis decision, remove alarm, high-risk alarm, shielding alarm is anti-to borrow purchase alarm, and no signal is alarmed, no data report
It is alert, the alarm of position accumulation point, high risk zone alarm etc., so to may the behavior of cheating loan give warning in advance；To car of not refunding
Or the vehicle cheated loan the display on map can be carried out by backstage or APP, monitor the situation of vehicle, check former history rail
Mark；The APP that the relevant information and positional information of the vehicle to be given for change are issued to trailer mechanism carries out looking for car and trailer.
The content of the invention
It is an object of the invention to provide the solution that the financial credit of complete set purchases car, with behavior of being cheated loan to vehicle
Progress give warning in advance, carrying out help to the car not refunding or cheat loan gives for change.
Present system is received by message and serviced, data processing centre, financial early warning platform, interface service, keeper
APP, trailer mechanism APP, cloud storage；Present system vehicle accesses free wireless public communication network with ICP/IP protocol, with backstage
System administration center cluster communicates.
Further, including message receives service module, for receiving loan the car gps data, the equipment shape that send over
The data such as state information, information of vehicles.
Further, including Data processing core module, for data mining, data modeling, analytic operation, to alarm
Information carries out instant being pushed to APP.
Further, including financial early warning console module, most of constituted by five：Audited before borrowing, alarm, electricity is urged, trailer
Management, decision accounting.
Further, auditing module including before borrowing, for carrying out risk assessment and examination ＆ verification to creditor, including：Unmarried part
Many cars differentiate that people and guarantor's same period loan inquiry, the inquiry of creditor's gray list are borrowed in the inquiry of creditor's loan documentation altogether.
Further, including alarm module, all warning messages for recording, real time inspection can be looked into alarm the institute of vehicle
There is information, trailer is carried out to the vehicle that discovery is cheated loan, alarm includes：Report is removed in high-risk alarm, no data alarm, shielding alarm
Alert, excess distance alarm, high risk zone alarm is anti-to borrow purchase alarm, and no signal alarm, position focuses on ground alarm, comprehensive inquiry.
Further, including electricity urges module, for monitoring position, historical track and the passing stop of vehicle in real time.
Further, including trailer management module, for not refunding vehicle and the vehicle cheated loan appoints trailer mechanism to enter
Row trailer, while authorizing certain information auxiliary trailer, more information are appointed and authorized again in the progress to trailer failure.
Further, including decision accounting module, for being keeper's decision-making to a series of forms of all loan generations
Great foundation is provided, including：Region daily paper, agent's daily paper, device inventory state, region monthly magazine, agent's monthly magazine.
Further, including interface service module, for the service for being supplied to APP to call.
Further, including keeper's APP modules, for backstage real time propelling movement warning message, keeper can slap in real time
Hold the alarm condition of vehicle.
Further, including trailer mechanism APP modules, pushed for backstage and want the information of trailer to the APP of trailer mechanism,
Trailer personnel can according to push authorised vehicles information, the real time position of vehicle, historical track, the home address of creditor, work
Make address, inhabitation address, certificate address, so as to carry out looking for car and trailer.
Further, including cloud storage module, data have two classes, are respectively：Business datum and alert data.
Implement the embodiment of the present invention, have the advantages that：Loan purchase Chinese herbaceous peony carries out the loan of big data to creditor
Risk assessment and examination ＆ verification；The data analysis modeling transmitted after loan purchase car by vehicle carries out polytype report to loan vehicle
It is alert to carry out analysis decision：Alarm is removed, high-risk alarm, shielding alarm is anti-to borrow purchase alarm, no signal alarm, no data alarm, position
Put accumulation point alarm, high risk zone alarm, and then to may the behavior of cheating loan give warning in advance；Vehicle or cheated loan to not refunding
Vehicle can carry out the display on map by backstage or APP, monitor the situation of vehicle, check former historical track；Looking for
The APP that the relevant information and positional information of the vehicle returned are issued to trailer mechanism carries out looking for car and trailer.
Figure of description
Fig. 1 is schematic flow sheet of the invention.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Site preparation is described, it is clear that described embodiment is only a part of embodiment of the invention, rather than whole embodiments；It is based on
Embodiment in the present invention, it is every other that those of ordinary skill in the art are obtained under the premise of creative work is not made
Embodiment, belongs to the scope of protection of the invention.
Fig. 1 illustrates the module of whole system, and whole system is included further, including message receives service module, uses
The data such as gps data, status information of equipment, the information of vehicles sended in reception loan car.
Data processing core module：For to data mining, data modeling, analytic operation.Warning message is carried out instant
Be pushed to APP.
Financial early warning console module：It is made up of five major parts：Audited before borrowing, alarm, electricity is urged, trailer management, decision-making report
Table.
Auditing module before borrowing：For carrying out risk assessment and examination ＆ verification to creditor, including：The unmarried many cars of part differentiate, provide a loan
People's loan documentation is inquired about, and people and guarantor's same period loan inquiry, the inquiry of creditor's gray list are borrowed altogether.
Alarm module：All warning messages for recording, can look into all information of real time inspection alarm vehicle, to finding
The vehicle cheated loan carries out trailer, and alarm includes：High-risk alarm, no data alarm, shielding alarm is removed and alarmed, excess distance alarm,
High risk zone is alarmed, anti-to borrow purchase alarm, and no signal alarm, position focuses on ground alarm, comprehensive inquiry.
Electricity urges module：Position, historical track and passing stop for monitoring vehicle in real time.
Trailer management module：For appointing trailer mechanism to carry out trailer on do not refund vehicle and the vehicle cheated loan, award simultaneously
More information are appointed and authorized again in the certain information auxiliary trailer of power, the progress to trailer failure.
Decision accounting module：For to a series of forms of all loan generations, for keeper's decision-making provide it is great according to
According to, including：Region daily paper, agent's daily paper, device inventory state, region monthly magazine, agent's monthly magazine.
Interface service module：For the service for being supplied to APP to call.
Keeper's APP modules：For backstage real time propelling movement warning message, keeper can grasp the alarm feelings of vehicle in real time
Condition.
Trailer mechanism APP modules：Pushed for backstage and want the information of trailer to the APP of trailer mechanism, trailer personnel can be with
According to the authorised vehicles information of push（The real time position of vehicle, historical track, the home address of creditor, work address, inhabitation
Address, certificate address etc.）Car and trailer are looked in progress.
Cloud storage module：Data have two classes, are respectively：Business datum and alert data.
The foregoing is only presently preferred embodiments of the present invention, be not intended to limit the invention, it is all the present invention spirit and
Within principle, any modification, equivalent substitution and improvements made etc. should be included in the scope of the protection.
Claims (7)
1. a kind of financial early warning system, it is characterised in that the financial early warning system includes present system and receives clothes by message
Business, data processing centre, financial early warning platform, interface service, keeper APP, trailer mechanism APP, cloud storage；Present system
Vehicle accesses free wireless public communication network with ICP/IP protocol, is communicated with background system management center network.
2. financial early warning system according to claim 1, it is characterised in that receive service module including message, borrowed for receiving
The data such as gps data, status information of equipment, information of vehicles that money car is sended over；Including Data processing core module, for pair
Data mining, data modeling, analytic operation, instant to warning message progress is pushed to APP；Including financial early warning platform mould
Block, is made up of five major parts：Audited before borrowing, alarm, electricity is urged, trailer management, decision accounting.
3. financial early warning system according to claim 1, it is characterised in that auditing module before including borrowing, for entering to creditor
Row risk assessment and examination ＆ verification, including：The unmarried many cars of part differentiate that the inquiry of creditor's loan documentation is borrowed people and borrowed with guarantor's same period altogether
Money is inquired about, the inquiry of creditor's gray list.
4. financial early warning system according to claim 1, it is characterised in that including alarm module, all alarms for recording
Information, can look into all information of real time inspection alarm vehicle, carry out trailer to the vehicle that discovery is cheated loan, alarm includes：High-risk report
Alert, alarm is removed in no data alarm, shielding alarm, and excess distance alarm, high risk zone alarm is anti-to borrow purchase alarm, no signal report
Alert, position focuses on ground alarm, comprehensive inquiry；Module is urged including electricity, for monitoring the position of vehicle, historical track and passing in real time
Stop.
5. financial early warning system according to claim 1, it is characterised in that including trailer management module, for car of not refunding
And the vehicle cheated loan appoint trailer mechanism to carry out trailer, while authorizing certain information auxiliary trailer, trailer failure is entered
More information are appointed and authorized again to row；Including decision accounting module, for a series of form of all loan generations, being
Keeper's decision-making provides great foundation, including：Region daily paper, agent's daily paper, device inventory state, region monthly magazine, agency
Business's monthly magazine.
6. financial early warning system according to claim 1, it is characterised in that including interface service module, for being supplied to APP
The service called；Including keeper's APP modules, for backstage real time propelling movement warning message, keeper can grasp vehicle in real time
Alarm condition.
7. financial early warning system according to claim 1, it is characterised in that including trailer mechanism APP modules, pushed away for backstage
Send the APP for wanting the information of trailer to trailer mechanism, trailer personnel can according to push authorised vehicles information, the real-time position of vehicle
Put, historical track, the home address of creditor, work address, inhabitation address, certificate address, so as to carry out looking for car and trailer；Bag
Cloud storage module is included, data there are two classes, be respectively：Business datum and alert data.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710430556.8A CN107103533A (en) | 2017-06-09 | 2017-06-09 | Financial early warning system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710430556.8A CN107103533A (en) | 2017-06-09 | 2017-06-09 | Financial early warning system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107103533A true CN107103533A (en) | 2017-08-29 |
Family
ID=59660208
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710430556.8A Pending CN107103533A (en) | 2017-06-09 | 2017-06-09 | Financial early warning system |
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| Country | Link |
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| CN (1) | CN107103533A (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108600941A (en) * | 2018-04-02 | 2018-09-28 | 深圳找哪科技有限公司 | A kind of localization method for determining vehicle secondary mortgage points |
| CN109754568A (en) * | 2019-01-15 | 2019-05-14 | 深圳华云网科技有限公司 | Vehicle is borrowed rear vehicle more days and does not travel alarm method |
| CN112802231A (en) * | 2021-03-19 | 2021-05-14 | 四川万网鑫成信息科技有限公司 | Vehicle risk assessment method, device, equipment and medium based on GPS data |
| CN113516834A (en) * | 2021-04-22 | 2021-10-19 | 上海仙豆智能机器人有限公司 | Vehicle monitoring method, device, system, electronic equipment and storage medium |
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| CN103942853A (en) * | 2014-05-04 | 2014-07-23 | 青岛中瑞汽车服务有限公司 | Location based service (LBS) database-based vehicle information collection device and risk analysis method |
| CN204347913U (en) * | 2015-01-12 | 2015-05-20 | 深圳市标越科技股份有限公司 | The verification system of user's obligate information borrowed by a kind of car |
| CN105976237A (en) * | 2016-04-28 | 2016-09-28 | 深圳市标越科技股份有限公司 | Loan risk prevention and control method and vehicle-mounted system thereof |
| CN106384326A (en) * | 2016-09-30 | 2017-02-08 | 青岛智车品信息科技有限公司 | Loan vehicle fraud aggregation early warning system and method |
| CN206133015U (en) * | 2016-08-31 | 2017-04-26 | 深圳市标越科技股份有限公司 | Vehicle positioning system based on multiple GPS devices |
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Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN103942853A (en) * | 2014-05-04 | 2014-07-23 | 青岛中瑞汽车服务有限公司 | Location based service (LBS) database-based vehicle information collection device and risk analysis method |
| CN204347913U (en) * | 2015-01-12 | 2015-05-20 | 深圳市标越科技股份有限公司 | The verification system of user's obligate information borrowed by a kind of car |
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| CN206133015U (en) * | 2016-08-31 | 2017-04-26 | 深圳市标越科技股份有限公司 | Vehicle positioning system based on multiple GPS devices |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108600941A (en) * | 2018-04-02 | 2018-09-28 | 深圳找哪科技有限公司 | A kind of localization method for determining vehicle secondary mortgage points |
| CN109754568A (en) * | 2019-01-15 | 2019-05-14 | 深圳华云网科技有限公司 | Vehicle is borrowed rear vehicle more days and does not travel alarm method |
| CN112802231A (en) * | 2021-03-19 | 2021-05-14 | 四川万网鑫成信息科技有限公司 | Vehicle risk assessment method, device, equipment and medium based on GPS data |
| CN112802231B (en) * | 2021-03-19 | 2021-07-06 | 四川万网鑫成信息科技有限公司 | Vehicle risk assessment method, device, equipment and medium based on GPS data |
| CN113516834A (en) * | 2021-04-22 | 2021-10-19 | 上海仙豆智能机器人有限公司 | Vehicle monitoring method, device, system, electronic equipment and storage medium |
| CN113516834B (en) * | 2021-04-22 | 2023-04-21 | 上海仙豆智能机器人有限公司 | Vehicle monitoring method, device, system, electronic equipment and storage medium |
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| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
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| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20170829 |