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A pledge state monitoring method and device

A collateral and status technology, applied in the field of data processing, can solve the problems of untimely monitoring, high cost, scattered collateral and pledged items, etc., and achieve the effect of reducing power consumption and manual monitoring cost.

Pending Publication Date: 2021-05-07
AGRICULTURAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, the collateral is stored in the warehouse of the mortgagee, which has the characteristics of cross-regional, cross-jurisdictional, and scattered collateral. Bank personnel will regularly check the status of the collateral, which will be costly and not timely.

Method used

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  • A pledge state monitoring method and device
  • A pledge state monitoring method and device
  • A pledge state monitoring method and device

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Embodiment Construction

[0051] In order to make the purposes, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments It is a part of the embodiments of this application, not all of them. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the scope of protection of this application.

[0052] See figure 1 , which shows an optional flow of a collateral state monitoring method provided in the embodiment of the present application, which may include the following steps:

[0053] 101: Obtain the video data of the location of the collateral through the camera device, obtain the environmental data of the location of the collateral throug...

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Abstract

The invention provides a pledge state monitoring method and device. The method comprising the following steps: acquiring video data of the position of a pledge through a camera device, acquiring environment data of the position of the pledge through a sensor, and acquiring position change data of the pledge through a positioning device; according to at least one type of data in the video data, the environment data and the position change data, determining the current state of the pledge; if the current state is the abnormal state, outputing the alarm data, realzing automatic monitoring of the state of the pledge according to at least one type of data of the video data, the environment data and the position change data, thus reducing the manual monitoring cost, and monitoring the state of the pledge in time. The opportunity for the camera device to obtain the video data is determined according to the environment data, and the opportunity for the positioning device to obtain the position change data is determined according to the environment data and / or the video data, so that the camera device and the positioning device can be in a standby state without obtaining the video data and the position change data, and the power consumption is reduced.

Description

technical field [0001] The application belongs to the technical field of data processing, and in particular relates to a method and device for monitoring the state of collateral. Background technique [0002] With the continuous development of Internet mobile technology, the group of online financing has gradually expanded from individuals to small and micro enterprises, and the way of online financing has also gradually developed from credit loans to mortgage loans. [0003] Mortgage loan is a way of borrowing money from banks as collateral (referred to as collateral). Due to problems such as space occupation of collateral, collateral is usually stored in the warehouse of the mortgage party (also the owner of the collateral). The integrity and safety of the collateral will affect the value of the collateral, which in turn will affect whether the bank can recover the loan. Therefore, the status of the collateral needs to be checked regularly for the mortgaged loan. However,...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G08B13/196G01D21/02
CPCG08B13/19602G01D21/02G06Q40/03
Inventor 张永捷王耀晖贡佳炜周吴尧
Owner AGRICULTURAL BANK OF CHINA
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