People-vehicle multifactorial assessment method and system based on big data

Abstract

The invention discloses a people-vehicle multifactorial assessment method and system based on big data. The system performs analysis and specific logic rule analysis on obtained people, vehicle and environment mass data, and generates a criterion variable, a processing variable, a multitime processing variable and a metavariable set. Through a multi-angle model learning method, sub-models are established, and based on the sub-models, the system performs logic weight operation, and separately establishes a people-vehicle comprehensive assessment subsystem 08, a vehicle quality guarantee assessment subsystem 09, a vehicle fine assessment subsystem 10 and a vehicle owner credit analysis subsystem 11. The method and system can accurately realize people, vehicle and environment fragmentation information processing and positioning, radically solve the problem of information asymmetry of contracting parties in second-hand vehicle trading, and lack of quality assurance after second-hand vehicle multiple trading, increase vehicle re-trading values, meanwhile provide innovational business in the automobile insurance, automobile finance, automobile maintenance, automobile design and automobile related areas, and have great market values.

Description

technical field [0001] The invention relates to the field of data analysis in the automobile industry, in particular to a method and system for multi-factor evaluation of people and vehicles based on big data. Background technique [0002] The Internet of Vehicles has become a huge gold mine in the field of the Internet of Things. However, after years of development, the successful applications of the Internet of Vehicles are very limited. The used car market is still in the traditional transaction mode and cannot form a large-scale mature commercial application. In order to realize the true value of the Internet of Vehicles and its applications, and to carry out automobile data services based on the telecommunication network and the Internet, it is necessary to establish a benign network ecosystem of the Internet of Vehicles. The deep mining and precise analysis of vehicles and their derived data are the The core foundation for innovative connected car products and all auto...

AI Technical Summary

Problems solved by technology

The current second-hand car transactions are only based on market prices and imperfect vehicle condition detection and evaluation, which cannot solve the problem of odometer tampering, scrapped cars refurbished and sold, second-hand car dealers monopolizing and manipulating the market price of second-hand cars, no valid basis for second-hand car quality assurance, and non-4S stores. Prominent problems such as inability to obtain data and huge potential safety hazards of second-hand cars

2) The business scope of auto insurance is narrow, and the evaluation system needs to be improved

At present, the UBI (vehicle insurance based on user habits) business attempted by some insurance companies is in the early stage, and the evaluation system needs to be improved.

3) The type of auto finance business is single and there is no effective evaluation system

The existing automobile big data analysis methods have the following problems and deficiencies: 1) There is no professional analysis method for unstructured automobile data such as pictures, videos, audios; The processing and analysis method of environment) has not been considered or considered incompletely. The incomplete consideration is reflected in the inability to effectively analyze the relationship between people, vehicles and the environment for a specific analysis target, and a large amount of fragmented information has not effectively contributed or The inability to distinguish valid information causes a large number of redundancy problems

3) The current automotive big data analysis standard does not accurately meet the differentiated and customized needs of vehicle manufacturers, dealers (including second-hand car dealers), insurance companies, maintenance shops, and consumers, and cannot generate high additional Value data analysis products and data analysis value

[0005] In order to change the current lagging status of automotive data services and analysis methods, to meet the refined needs of automotive data analysis in used car transactions, auto insurance, auto finance, auto maintenance, automotive design and automotive related fields and the innovation of automotive related businesses demand, the present invention provides a multi-factor evaluation method and system for people and vehicles based on big data, and establishes a comprehensive scoring subsystem for people and vehicles, a vehicle quality assurance evaluation subsystem, a vehicle fine evaluation subsystem, and a vehicle owner credit analysis subsystem to at least solve above question

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