Online payment system and method for vehicle maintenance service
By configuring shared accounts and prepayment for all vehicles of the transportation company, the cumbersome payment process of vehicle maintenance services is solved, and efficient transportation management and accurate operational cost analysis are achieved.
Patent Information
- Application Number
- CN202411696105.5
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-11-25
- Publication Date
- 2025-02-28
AI Technical Summary
In the prior art, the payment process of vehicle maintenance services is cumbersome and has low transparency, resulting in low transportation management efficiency and inaccurate operating cost analysis results.
Provide an online payment system for vehicle maintenance services, and realizes one-stop online payment of vehicle maintenance fees by configuring shared accounts for all vehicles of the transportation company and prepaying to the shared accounts.
It improves the efficiency of logistics and transportation management and the accuracy of operating cost analysis results, transparentizes the payment process, improves the reliability and security of fund management, and avoids fund data errors caused by the reimbursement process.
Smart Images
Figure CN119539798A_ABST
Abstract
Description
Technical Field
[0001] The present application relates to the field of information technology, and specifically to an online payment system and method for vehicle maintenance services. Background Art
[0002] In the modern logistics and transportation industry, operating vehicles need to perform various vehicle maintenance services during transportation, such as fuel, electricity and other energy services, as well as after-sales services such as repairs and maintenance, to ensure the normal execution of daily transportation tasks. In the existing technology, each vehicle maintenance requires the driver to pay separately, which not only requires cumbersome payment operations on different platforms, but also derives the subsequent reimbursement, account verification and other business processing, thus bringing many problems to transportation management, such as cumbersome workflow, low transparency, and chaotic fund management, affecting the efficiency of logistics and transportation management and the accuracy of operating cost analysis results.
[0003] Therefore, how to overcome the above-mentioned technical problems and defects becomes a key issue that needs to be solved. Summary of the invention
[0004] The purpose of this application is to provide an online payment system and method for vehicle maintenance services to solve the problems raised in the above-mentioned background technology and improve the accuracy of the results of logistics and transportation management efficiency and operating cost analysis.
[0005] The technical solution of the embodiment of the present application is implemented as follows:
[0006] The embodiment of the present application provides an online payment system for vehicle maintenance services, the system comprising a service management end, a vehicle management end, at least one first terminal and at least one contracted merchant; wherein:
[0007] The service management end is used to configure a first account for the vehicle management end, generate first account information and send it to the vehicle management end; and complete transaction payment based on the payment voucher sent by the contracted merchant;
[0008] The vehicle management end is used to send the first account information to each first terminal, and configure the second account of each first terminal, generate the second account information and send it to the corresponding first terminal; the second account information includes the consumption amount information configured by the first vehicle management end for the first terminal;
[0009] The first terminal is used to receive the first account information, determine the fee for the transaction with the contracted merchant based on the first account information and the second account information, generate payment information and send it to the contracted merchant;
[0010] The contracted merchant is used to generate a payment voucher based on the payment information and send it to the service management end.
[0011] In the above solution, the vehicle management end is also used to: pay an advance payment to the first account.
[0012] The present application also provides an online payment method for vehicle maintenance services, the method comprising:
[0013] The service management end in the payment system configures a first account for the vehicle management end in the payment system, generates first account information and sends it to the vehicle management end;
[0014] The vehicle management terminal sends the first account information to each first terminal of at least one first terminal of the payment system;
[0015] The vehicle management end configures a second account for each first terminal, generates second account information and sends it to the corresponding first terminal; the second account information includes information about the control amount configured by the first vehicle management end for the first terminal;
[0016] The target terminal determines the fee for conducting a transaction with the target supplier based on the first account information and the second account information, generates payment information and sends it to the target supplier; the target terminal is the first terminal currently conducting a transaction among the at least one first terminal, and the target supplier is the contracted merchant currently conducting a transaction among the at least one contracted merchant;
[0017] The target supplier generates a payment voucher based on the payment information and sends the payment voucher to the service management terminal;
[0018] The service management end completes the payment based on the payment voucher using the funds in the first account; the funds in the first account are the prepayment paid in advance by the vehicle management end to the service management end.
[0019] In the above solution, the method further includes: before the vehicle management end pays the prepayment to the first account of the service management end, configuring the control amount of each first terminal; the configuring the control amount of each first terminal includes:
[0020] Determine the estimated energy cost and the estimated after-vehicle service cost of each first terminal in the current task cycle;
[0021] Based on the estimated energy cost and the estimated after-service cost of each first terminal, obtaining a first estimated cost of each first terminal;
[0022] Based on the first estimated cost of each first terminal, the control amount of each first terminal is configured.
[0023] In the above solution, the allocation amount of each first terminal is configured based on the first estimated cost of each first terminal;
[0024] Determining a first score of each first terminal based on historical driving data of a driver associated with the first terminal;
[0025] Determining a second score of each first terminal based on maintenance information of a vehicle associated with the first terminal;
[0026] Based on the first score and the second score of each first terminal, updating the corresponding first estimated cost to obtain the corresponding second estimated cost;
[0027] Based on the second estimated cost of each first terminal, the control amount of each first terminal is configured.
[0028] In the above solution, determining the first score of each first terminal based on the historical driving data of the driver associated with each first terminal includes:
[0029] For each first terminal, based on the historical driving data of the associated driver, determining a score for each first evaluation indicator in a first evaluation system; the first evaluation system is used to evaluate the driving ability of the driver;
[0030] Determining the quality score of the driver based on the score of each first evaluation indicator;
[0031] Based on the quality score of the driver, a first score is determined from a plurality of preconfigured score values.
[0032] In the above solution, determining the second score of each first terminal based on the maintenance information of the vehicle associated with each first terminal includes:
[0033] For each first terminal, based on the maintenance information of the associated vehicle, determining the score of each second evaluation indicator in the second evaluation system; the second evaluation system is used to evaluate the safety of the vehicle;
[0034] Based on the score of each second evaluation indicator, a second score of the first terminal is determined.
[0035] In the above solution, configuring the control quota of each first terminal based on the second estimated cost of each first terminal includes:
[0036] Determining the credibility of each driver based on the historical driving data of the driver associated with each first terminal;
[0037] Based on the credibility of each driver, determining a dynamic amount and a static amount in the corresponding second estimated cost;
[0038] The static credit limit is configured as the available credit limit corresponding to the first terminal.
[0039] In the above solution, the target terminal determines the fee for the transaction with the target supplier based on the first account information and the second account information, generates payment information and sends it to the target supplier, including:
[0040] The target terminal sends a first request to the target supplier; the first request is used to request a transaction; the first request carries the first account information;
[0041] The target supplier generates transaction information in response to the first request and sends the transaction information to the target terminal; the transaction information includes fee information, and the fee information is determined based on the billing rules corresponding to the first account;
[0042] The target terminal determines, based on the transaction information and the second account information, whether the transaction fee exceeds the balance of the second account;
[0043] When the transaction fee does not exceed the balance of the second account, payment information is generated and sent to the target supplier.
[0044] In the above scheme, the method further includes:
[0045] When the transaction fee exceeds the balance of the second account, the target terminal determines the difference between the balance of the second account and the transaction fee and generates difference information;
[0046] The target terminal sends a second request to the vehicle management terminal; the second request is used to request the vehicle management terminal to configure a dynamic quota matching the difference information for the first terminal;
[0047] The vehicle management end, in response to the second request, uses the dynamic credit limit to configure a supplementary credit limit matching the difference information for the target terminal; generates confirmation information and sends it to the target terminal;
[0048] After receiving the confirmation information, the target terminal determines whether the transaction fee exceeds the balance of the second account based on the transaction information and the second account information.
[0049] The online payment system and method for vehicle maintenance services provided in the embodiments of the present application realize unified management of vehicles and improve the efficiency and accuracy of logistics and transportation management by configuring a shared account for all vehicles under a transportation company and transferring advance payments to the shared account to pay for maintenance costs of different vehicles. By synchronizing data between terminals and management terminals, the transparency of the payment process is achieved, thereby improving the transparency and reliability of fund management, and further improving the accuracy of operating cost analysis results. At the same time, online settlement through advance payments can cancel the subsequent reimbursement process derived from the advance payment of funds by the driver, which not only optimizes the process and improves the reliability and security of the entire fund management process, but also avoids fund data errors caused by the reimbursement process, thereby improving the accuracy and reliability of fund management. BRIEF DESCRIPTION OF THE DRAWINGS
[0050] Figure 1 An architecture diagram of an online payment system for a vehicle maintenance service provided in an embodiment of the present application;
[0051] Figure 2 A schematic diagram of a process flow of an online payment method for a vehicle maintenance service provided in an embodiment of the present application;
[0052] Figure 3 A schematic diagram of a flow chart of configuring the control limit of each first terminal in the online payment method for vehicle maintenance service according to an embodiment of the present application;
[0053] Figure 4 This is a flow chart of S303 in the online payment method for vehicle maintenance service according to an embodiment of the present application. DETAILED DESCRIPTION
[0054] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.
[0055] The present application embodiment provides an online payment system for vehicle maintenance services, such as Figure 1 As shown, the system includes a service management terminal 101, a vehicle management terminal 102, at least one first terminal 103 and at least one contracted merchant 104. The service management terminal 101, the vehicle management terminal 102, at least one first terminal 103 and at least one contracted merchant 104 are introduced below.
[0056] The service management terminal 101 is used to configure a first account for the vehicle management terminal 102 , generate first account information and send it to the vehicle management terminal 102 .
[0057] In actual application, the service management end 101 is the first account configured for the vehicle management end 102, which can be understood as a shared account configured for all first terminals 103 associated with the vehicle management end 102; the first account can also be called a shared account, and the embodiment of the present application does not limit this, as long as its function can be achieved.
[0058] In actual application, the service management terminal 101 can be understood as a third-party supplier for managing vehicle maintenance suppliers; the service management terminal 101 can also be called a supplier management terminal, or an energy procurement management terminal. The embodiment of the present application does not limit this, as long as its function can be achieved.
[0059] In actual application, the vehicle management terminal 102 transfers an advance payment to the first account in the service management terminal 101 in advance. When the first terminal 103 accepts the vehicle maintenance service provided by the contracted merchant 104, it can provide a shared account (i.e., the first account) to the contracted merchant 104. The contracted merchant 104 sends the payment voucher of the account to the service management terminal 101, and the service management terminal 101 can use the funds in the first account to pay the contracted merchant 104.
[0060] The vehicle management terminal 102 is used to send the first account information to each first terminal 103 associated with the vehicle management terminal 102 after receiving the first account information sent by the service management terminal 101.
[0061] The vehicle management terminal 102 is also used to configure a second account for each first terminal 103 , generate second account information and send it to the corresponding first terminal 103 ; the second account information includes information on the consumption amount configured by the first vehicle management terminal 102 for the first terminal 103 .
[0062] In actual application, the vehicle management terminal 102 can be understood as the server of the transportation company, that is, the server of the transportation management center used to manage all vehicles associated with the first terminal 103; the vehicle management terminal 102 provides a shared account for vehicle maintenance services for its vehicles, and configures different consumption limits for each of its vehicles, that is, configures the control limit of the second account for each first terminal 103.
[0063] In actual application, the vehicle management terminal 102 can pay the money to the service management terminal 101 in advance.
[0064] Based on this, in one embodiment, the vehicle management terminal can also be used to: pay an advance payment to the first account.
[0065] In actual application, the vehicle management terminal 102 may configure a second account for each first terminal 103 before paying the advance payment. Specifically, before paying the advance payment, the control amount of the second account of each first terminal 103 may be configured.
[0066] The first terminal 103 is used to receive the first account information, determine the fee for the transaction with the contracted merchant based on the first account information and the second account information, generate payment information and send it to the contracted merchant.
[0067] In actual application, the first terminal 103 can be a terminal used by the driver, and can be implemented by running an APP on the terminal device used by the driver or the vehicle-mounted mobile terminal; here, the driver and the vehicle are in a binding relationship, and the vehicle management terminal 102 configures the control quota for the first terminal 103. It can be understood that the vehicle management terminal 102 configures the vehicle maintenance control quota for the vehicle bound to the first terminal 103.
[0068] In actual application, the cost of conducting transactions with the contracted merchant 104 is determined based on the first account information and the second account information. It can be understood that the first terminal 103 provides a payment account to the contracted merchant 104 based on the first account information, and obtains the transaction fee information sent by the contracted merchant 104; the first terminal 103 determines whether the consumption limit allocated by the vehicle management end 102 for itself is sufficient to pay for the current transaction based on the second account information.
[0069] The contracted merchant 104 is used to generate a payment voucher based on the payment information and send it to the service management terminal 101.
[0070] In actual application, the contracted merchant 104 can obtain the payment account information of the first terminal and the terminal payment confirmation information based on the payment information sent by the first terminal 103. The contracted merchant 104 generates a payment voucher based on the received payment information and sends it to the service management terminal 101 to request the service management terminal 101 to complete the payment of the corresponding fees; and after receiving the payment voucher sent by the contracted merchant 104, the service management terminal 101 can call the account to complete the transaction payment.
[0071] In summary, the online payment system for vehicle maintenance services provided in the embodiment of the present application realizes unified management of vehicles and improves the efficiency and accuracy of logistics and transportation management by configuring a shared account for all vehicles under a transportation company and allocating prepayments to the shared account to pay for the maintenance costs of different vehicles. By synchronizing data between terminals and management terminals, the transparency of the payment process is achieved, thereby improving the transparency and reliability of fund management, and further improving the accuracy of operating cost analysis results. At the same time, online settlement through prepayments can cancel the subsequent reimbursement process derived from the driver's advance payment of funds, which not only optimizes the process and improves the reliability and security of the entire fund management process, but also avoids fund data errors caused by the reimbursement process, thereby improving the accuracy and reliability of fund management.
[0072] Based on the architecture of the above payment system, the embodiment of the present application also provides an online payment method for vehicle maintenance services, such as Figure 2 As shown, the method may include S201 to S205. S201 to S205 are described in detail below in conjunction with specific embodiments.
[0073] S201: The service management end in the payment system configures a first account for the vehicle management end in the payment system, generates first account information and sends it to the vehicle management end.
[0074] In actual application, the service management end may first register with the vehicle management end, and the service management end configures a first account for the vehicle management end; the first account information may include the account number and password configured for the first account.
[0075] In actual application, the vehicle maintenance service provider may also first send a registration request to the service management end. The service management end will verify the contract conditions such as identity and qualifications of the vehicle maintenance service provider. The vehicle maintenance service provider that passes the verification is the contracted merchant. For the contracted merchants that pass the verification, the service management end can send the contracted merchant directory to the vehicle management end, and allocate an interface for each contracted merchant to enable the contracted merchant to communicate with the service management end.
[0076] In actual application, the vehicle maintenance services provided by vehicle maintenance service providers may include energy services and after-sales services; energy services are energy supply services related to vehicle transportation, such as factory stations / charging, refueling, gas filling, Electronic Toll Collection (ETC), etc.; after-sales services refer to various maintenance services provided for the car after the car is sold until the car is scrapped, such as repairs, tire accessories, etc.
[0077] S202: The vehicle management terminal sends the first account information to each first terminal of the at least one first terminal of the payment system.
[0078] In actual application, the first terminal can be understood as the terminal corresponding to the vehicle associated with the vehicle management end, that is, the terminal corresponding to the vehicle managed and dispatched by the vehicle management end, which can be achieved by running the APP on the terminal device used by the driver or the vehicle-mounted mobile terminal.
[0079] In actual application, the first account is a shared account configured for all operating vehicles belonging to the vehicle management end. After receiving the first account information, the vehicle management end sends the shared account information to the first terminal matched with each vehicle, so that the driver can use the account information for payment.
[0080] In actual application, in order to ensure the smooth progress of the payment transaction and reduce the payment efficiency, the vehicle management end can pay an advance payment to the first account.
[0081] Based on this, in one embodiment, the method may further include:
[0082] The vehicle management end pays an advance payment to the first account of the service management end.
[0083] In actual application, the vehicle management end can pay the advance payment to the first account regularly, for example, at the beginning of each task cycle, pay the advance payment to the first account; here, a task cycle can be set according to the actual application scenario, for example, a task cycle can be one week, 10 days or one month. The specific setting can be determined according to the actual application requirements, and the embodiment of the present application does not limit this; of course, the advance payment time can also be flexibly determined according to the actual transportation task scheduling requirements. For example, the service management end can monitor the balance of each transportation company account in real time, and when the balance is lower than the preset threshold, send a warning message to the corresponding transportation company to remind the transportation company to pre-deposit fees.
[0084] Based on this, in one embodiment, the method may further include:
[0085] The service management end determines whether the balance of the first account is lower than a preset threshold, and sends a warning message to the vehicle management end if it is lower than the preset threshold; the warning message is used to prompt the vehicle management end to pre-deposit fees.
[0086] In actual application, when the advance payment is paid regularly according to the task cycle, the amount of the advance payment transferred to the first account each time can be determined according to the task plan of the corresponding task cycle; specifically, the amount of energy required for each vehicle in the task cycle can be predicted based on the transportation mileage, transportation route, fuel consumption and other operating data of each task vehicle in the corresponding task cycle, and then the estimated energy cost of each vehicle in the cycle can be calculated based on the consumption of each energy; based on the after-sales service plan list reported by the driver in the corresponding task cycle, the maintenance type and maintenance quantity required for the task cycle are predicted, and then the after-sales service cost of each vehicle in the cycle is calculated based on the maintenance type and maintenance quantity, so as to obtain the estimated cost of each vehicle, and thus estimate the total cost of all vehicles in the task cycle.
[0087] S203: The vehicle management end configures a second account for each first terminal, generates second account information and sends it to the corresponding first terminal; the second account information includes information on the control amount configured by the first vehicle management end for the first terminal.
[0088] In actual application, due to the different fuel consumption of different vehicles, the mileage and road conditions of the transportation tasks to be performed are also different, so the expected energy costs are also different; here, by configuring a sub-account for each first terminal, that is, the second account, and configuring a different payment amount for each account, it is possible to achieve differentiated management of different vehicles while achieving centralized management, thereby providing accuracy and rationality in logistics and transportation management.
[0089] In actual application, the vehicle management end may determine the amount of the prepayment and configure the control limit of each first terminal before paying the prepayment to the first account of the service management end.
[0090] In one embodiment, if Figure 3 As shown, the configuration of the control amount of each first terminal may include S301 to S303. S301 to S303 are described in detail below in conjunction with a specific embodiment.
[0091] S301: Determine the estimated energy cost and after-sales service cost of each first terminal in the current task cycle.
[0092] In actual application, the corresponding energy estimation cost and after-sales service estimation cost can be determined based on the task plan of the first terminal in the current task cycle; specifically, the amount of energy required for the task cycle can be predicted based on the transportation mileage, transportation route, fuel consumption and other operating data of the task vehicle in the corresponding task cycle; the type and amount of maintenance required for the vehicle in the task cycle can be predicted based on the after-sales service plan list reported by the vehicle in the corresponding task cycle; then, the energy estimation cost of the vehicle is calculated based on the consumption of each energy source of the vehicle, and the after-sales service estimation cost of the vehicle is calculated based on the maintenance type and maintenance amount of the vehicle.
[0093] S302: Obtaining a first estimated cost for each first terminal based on the estimated energy cost and the estimated after-sales service cost of each first terminal.
[0094] In actual application, a buffer coefficient can be introduced in the process of calculating the first estimated cost. Specifically, the energy estimated cost and the after-sales service estimated cost are multiplied by the preset buffer coefficients respectively, and then the sum of the energy estimated cost and the after-sales service estimated cost with the buffer coefficients introduced is taken as the corresponding first estimated cost.
[0095] For example, the first estimated cost can be expressed using the following formula:
[0096] A i =A e (i) C1+A m (i) C2;
[0097] Among them, A i represents the first estimated cost of vehicle i (i.e., vehicle number i), A e (i) represents the estimated energy cost of vehicle i, A m (i) represents the estimated cost of after-sales service for vehicle i, C1 and C2 represent the buffer coefficients of the estimated energy cost and the estimated cost of after-sales service, respectively; here, C1 can be 1.15 and C2 can be 1.1.
[0098] S303: Based on the first estimated cost of each first terminal, configure the control quota of each first terminal.
[0099] In actual application, the accuracy of cost estimation results may be different for different vehicles or drivers; therefore, the driver's driving ability and vehicle condition can be introduced into the cost estimation to quantify the estimated cost of each first terminal more accurately.
[0100] Based on this, in one embodiment, if Figure 4As shown, configuring the control quota of each first terminal based on the first estimated cost of each first terminal, that is, S303, may include S401 to S404; S401 to S404 are described in detail below in conjunction with specific embodiments.
[0101] S401: Determine a first score of each first terminal based on historical driving data of a driver associated with the first terminal.
[0102] In actual application, the first score can be understood as an evaluation score that can characterize the driver's driving level; the first score can also be called a first evaluation score, and the embodiment of the present application is not limited to this, as long as its function can be achieved.
[0103] In actual application, an evaluation system for evaluating the driver's driving level can be constructed, and the driver's driving level can be quantified based on historical driving data and the evaluation system.
[0104] Based on this, in one embodiment, determining the first score of each first terminal based on the historical driving data of the driver associated with each first terminal may include:
[0105] For each first terminal, based on the historical driving data of the associated driver, determining a score for each first evaluation indicator in a first evaluation system; the first evaluation system is used to evaluate the driving ability of the driver;
[0106] Determining the quality score of the driver based on the score of each first evaluation indicator;
[0107] Based on the quality score of the driver, a first score is determined from a plurality of preconfigured score values.
[0108] In actual application, multiple assessment indicators, namely, first evaluation indicators, can be determined according to the driver's driving level assessment standards, and a first evaluation system can be constructed according to the impact of each first evaluation indicator on the driver's ability; the first evaluation system can also be called a driving ability assessment system, and the embodiment of the present application is not limited to this, as long as its function can be achieved.
[0109] Exemplarily, the first evaluation system can be represented by Table 1:
[0110] Table 1
[0111]
[0112] In actual application, multiple scoring scores can be pre-configured, and an association relationship between the quality score and each scoring score can be established, with each scoring score corresponding to a score segment of the quality score. After the driver's quality score is obtained, the corresponding scoring score can be determined based on the score segment in which the quality score is located, and the corresponding scoring score can be used as the first score.
[0113] In actual application, in order to know the driver's driving ability more intuitively and clearly, the driver level assessment can be introduced.
[0114] Based on this, in one embodiment, determining the first score from a plurality of pre-configured scores based on the quality score of the driver may include:
[0115] Determining a target driving grade of the driver from at least one preconfigured driving grade based on the quality score of the driver;
[0116] Based on the target driving level and a first association relationship, a first score of the first terminal is determined; the first association relationship is an association relationship between the driving level and a preset scoring value.
[0117] In actual application, based on the quality score of the driver, the target driving level of the driver is determined from at least one pre-configured driving level. It can be understood that a correlation between the score of the first evaluation system and the driver's driving level is first constructed, and when the driver's quality is scored each time, the current driver's driving level, that is, the target driving level, is determined according to the score. Since some evaluation indicators in the first evaluation system are dynamically changing, the driver's level is re-evaluated each time the allocation quota is allocated, which can more accurately know the driver's actual driving ability, which can not only be used to configure the allocation quota of the second account, but also can be used for real-time monitoring and assessment of the driver's driving situation, so as to ensure that the transportation task can be carried out safely and smoothly.
[0118] In actual application, a correlation relationship between the driving level and each preset scoring value, that is, a first correlation relationship, can be established first; after the driver's target driving level is determined, the corresponding scoring value is determined according to the correlation relationship, and the scoring value is used as the first score.
[0119] S402: Determine a second score of each first terminal based on maintenance information of a vehicle associated with the first terminal.
[0120] In actual application, the second score can be understood as an evaluation score that can characterize the vehicle condition; the second score can also be called a second evaluation score, and the embodiment of the present application is not limited to this, as long as its function can be achieved.
[0121] In actual application, an evaluation system for evaluating vehicle conditions can be constructed, and the driver's driving level can be quantified based on maintenance records and the evaluation system.
[0122] Based on this, in one embodiment, determining the second score of each first terminal based on the maintenance information of the vehicle associated with each first terminal may include:
[0123] For each first terminal, based on the maintenance information of the associated vehicle, determining the score of each second evaluation indicator in the second evaluation system; the second evaluation system is used to evaluate the safety of the vehicle;
[0124] Based on the score of each second evaluation indicator, a second score of the first terminal is determined.
[0125] In actual application, multiple assessment indicators, namely second evaluation indicators, can be determined according to the vehicle condition assessment standards, and a second evaluation system can be constructed according to the influence of each second evaluation indicator on the vehicle condition assessment result; the second evaluation system can also be called a vehicle condition assessment system, and the embodiment of the present application does not limit this, as long as its function can be achieved.
[0126] Exemplarily, the second evaluation system can be represented by Table 2:
[0127] Table 2
[0128]
[0129]
[0130] S403: Based on the first score and the second score of each first terminal, update the corresponding first estimated cost to obtain the corresponding second estimated cost.
[0131] In actual application, the first adjustment coefficient used to characterize the influence of the driver's ability can be determined based on the first score of each first terminal, and the second adjustment coefficient used to characterize the influence of the vehicle condition can be determined based on the second score of each first terminal. Then, the corresponding first estimated cost is updated according to the first adjustment coefficient and the second adjustment coefficient to obtain the second estimated cost.
[0132] Exemplarily, the first adjustment coefficient can be expressed by the following formula:
[0133] F1(i)=1+(S1(i)-S0)·α·0.01;
[0134] Wherein, F1(i) represents the first adjustment coefficient of vehicle i, S1(i) represents the first score of vehicle i, S0 represents half of the total score of the first evaluation system, and α represents the driving ability weight;
[0135] The second adjustment coefficient can be expressed using the following formula:
[0136] F2(i)=1+(S2(i)-S0′)·β·0.01;
[0137] Wherein, F2(i) represents the second adjustment coefficient of vehicle i, S2(i) represents the second score of vehicle i, S0′ represents half of the total score of the second evaluation system, and β represents the driving ability weight;
[0138] The second estimated cost can be expressed using the following formula
[0139] A i ′=A i ·F(i)1·F2(i);
[0140] Among them, A i ′ represents the second estimated cost of vehicle i, A i represents the first estimated cost of vehicle i.
[0141] S404: Based on the second estimated cost of each first terminal, configure the control quota of each first terminal.
[0142] In practical application, considering the different credibility of different drivers, the calculated estimated cost can be divided into static and dynamic parts, and the static part is used as the original control amount of the driver.
[0143] Based on this, in one embodiment, configuring the control amount of each first terminal based on the second estimated cost of each first terminal, that is, S404, may include:
[0144] Determining the credibility of each driver based on the historical driving data of the driver associated with each first terminal;
[0145] Based on the credibility of each driver, determining a dynamic amount and a static amount in the corresponding second estimated cost;
[0146] The static credit limit is configured as the available credit limit corresponding to the first terminal.
[0147] In practical application, considering that the longer the driver's driving mileage is, the higher his loyalty to the company is, therefore, the driver's driving mileage can be obtained from the driver's historical driving data, and then the mileage compliance can be calculated based on the driving mileage. Specifically, the mileage compliance can be determined based on the ratio of the driving mileage to the preset reference mileage, and the mileage compliance is greater than 0 and less than 1; at the same time, considering that the higher the driver's task completion degree is, the higher his personal professional quality is, therefore, the task completion record can be obtained from the driver's historical driving data, and then the task completion degree is calculated based on the task completion record; finally, the driver's credibility is calculated based on the mileage compliance and the task completion degree.
[0148] For example, the driver's credibility can be expressed using the following formula:
[0149] D T =ω1·D d +ω2·D c ;
[0150] Among them, D T Indicates the driver's credibility, D d Indicates mileage reaching the standard, D c represents the degree of task completion, and ω1 and ω2 are weights.
[0151] In actual application, after determining the credibility of each driver, the credibility can be used as the proportion of the static quota in the second estimated cost to calculate the static quota and the corresponding dynamic quota, that is, multiply the second estimated cost by the corresponding credibility to obtain the static quota; the static quota will be allocated to the second account corresponding to the first terminal, and the dynamic quota will be reserved and not configured for the time being.
[0152] S204: The target terminal determines the cost of conducting transactions with the target supplier based on the first account information and the second account information, generates payment information and sends it to the target supplier; the target terminal is the first terminal currently conducting transactions among the at least one first terminal, and the target supplier is the contracted merchant currently conducting transactions among the at least one contracted merchant.
[0153] In actual application, when the target terminal conducts a transaction, it can use the account number in the first account information to initiate a transaction application to the contracted merchant. After the contracted merchant confirms the transaction amount, the transaction amount is sent to the target terminal. The target terminal confirms whether the current balance of the second account is sufficient to pay for the transaction based on the transaction amount.
[0154] Based on this, in one embodiment, the target terminal determines the fee for the transaction with the target supplier based on the first account information and the second account information, generates payment information and sends it to the target supplier, which may include:
[0155] The target terminal sends a first request to the target supplier; the first request is used to request a transaction; the first request carries the first account information;
[0156] The target supplier generates transaction information in response to the first request and sends the transaction information to the target terminal; the transaction information includes fee information, and the fee information is determined based on the billing rules corresponding to the first account;
[0157] The target terminal determines, based on the transaction information and the second account information, whether the transaction fee exceeds the balance of the second account;
[0158] When the transaction fee does not exceed the balance of the second account, payment information is generated and sent to the target supplier.
[0159] In actual application, when the transaction fee does not exceed the balance of the second account, it means that the current balance meets the payment requirements. At this time, payment information can be directly generated; here, the payment information can also be called payment confirmation information, specifically, it can be understood as information that confirms the payment bill and agrees to payment.
[0160] In actual application, when each first terminal is configured with a static limit and a dynamic limit, in order to ensure the normal progress of payment transactions while ensuring the security of account funds, the first terminal can request the vehicle management end to flexibly configure the dynamic limit when the balance in the second account is insufficient.
[0161] Based on this, in one embodiment, the method may further include:
[0162] When the transaction fee exceeds the balance of the second account, the target terminal determines the difference between the balance of the second account and the transaction fee and generates difference information;
[0163] The target terminal sends a second request to the vehicle management terminal; the second request is used to request the vehicle management terminal to configure a dynamic quota matching the difference information for the first terminal;
[0164] The vehicle management end, in response to the second request, uses the dynamic credit limit to configure a supplementary credit limit matching the difference information for the target terminal; generates confirmation information and sends it to the target terminal;
[0165] After receiving the confirmation information, the target terminal determines whether the transaction fee exceeds the balance of the second account based on the transaction information and the second account information.
[0166] Here, after the target terminal sends the second request, the vehicle management end can use all of the target terminal's dynamic quota as a supplementary quota and add it to the target terminal's available quota, or it can only use the difference with the transaction fee as a supplementary quota and add it to the target terminal's available quota; after updating the configuration of the second account's available quota, the vehicle management end can send a confirmation message to the target terminal to notify the target terminal that it can continue the transaction.
[0167] In actual application, when the target terminal needs vehicle maintenance services, it can send a request to the vehicle management end to query the contracted merchants that can provide services. The vehicle management end provides at least one candidate contracted merchant, and the target terminal selects the target merchant from the at least one candidate contracted merchant.
[0168] S205: The target supplier generates a payment voucher based on the payment information and sends it to the service management end.
[0169] S206: The service management end completes payment using the funds in the first account based on the payment voucher; the funds in the first account are the prepayment paid in advance by the vehicle management end to the service management end.
[0170] In summary, the online payment method for vehicle maintenance services provided in the embodiment of the present application realizes unified management of vehicles and improves the efficiency and accuracy of logistics and transportation management by configuring a shared account for all vehicles under a transportation company and transferring prepayments to the shared account to pay for maintenance costs of different vehicles. By synchronizing data between terminals and management terminals, the transparency of the payment process is achieved, thereby improving the transparency and reliability of fund management, and further improving the accuracy of operating cost analysis results. At the same time, online settlement through prepayments can cancel the subsequent reimbursement process derived from the driver's advance payment of funds, which not only optimizes the process and improves the reliability and security of the entire fund management process, but also avoids fund data errors caused by the reimbursement process, thereby improving the accuracy and reliability of fund management.
[0171] It should be noted that: "first", "second", etc. are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence.
[0172] In addition, the technical solutions described in the embodiments of the present application can be combined arbitrarily without conflict.
[0173] The above description is only a preferred embodiment of the present application and is not intended to limit the protection scope of the present application.
Claims
1. An online payment system for vehicle maintenance services, characterized in that: The system includes a service management end, a vehicle management end, at least one first terminal and at least one contracted merchant; wherein, The service management end is used to configure a first account for the vehicle management end, generate first account information and send it to the vehicle management end; and complete transaction payment based on the payment voucher sent by the contracted merchant; The vehicle management end is used to send the first account information to each first terminal, and configure the second account of each first terminal, generate the second account information and send it to the corresponding first terminal; the second account information includes the consumption amount information configured by the first vehicle management end for the first terminal; The first terminal is used to receive the first account information, determine the fee for the transaction with the contracted merchant based on the first account information and the second account information, generate payment information and send it to the contracted merchant; The contracted merchant is used to generate a payment voucher based on the payment information and send it to the service management end.
2. The system according to claim 1, characterized in that The vehicle management terminal is further used to: pay an advance payment to the first account.
3. An online payment method for vehicle maintenance services, characterized in that: The method comprises: The service management end in the payment system configures a first account for the vehicle management end in the payment system, generates first account information and sends it to the vehicle management end; The vehicle management terminal sends the first account information to each first terminal of at least one first terminal of the payment system; The vehicle management end configures a second account for each first terminal, generates second account information and sends it to the corresponding first terminal; the second account information includes information about the control amount configured by the first vehicle management end for the first terminal; The target terminal determines the fee for conducting a transaction with the target supplier based on the first account information and the second account information, generates payment information and sends it to the target supplier; the target terminal is the first terminal currently conducting a transaction among the at least one first terminal, and the target supplier is the contracted merchant currently conducting a transaction among the at least one contracted merchant; The target supplier generates a payment voucher based on the payment information and sends the payment voucher to the service management terminal; The service management end completes the payment based on the payment voucher using the funds in the first account; the funds in the first account are the prepayment paid in advance by the vehicle management end to the service management end.
4. The method according to claim 3, characterized in that The method further includes: before the vehicle management end pays the prepayment to the first account of the service management end, configuring the control credit of each first terminal; the configuring the control credit of each first terminal includes: Determine the estimated energy cost and the estimated after-vehicle service cost of each first terminal in the current task cycle; Based on the estimated energy cost and the estimated after-service cost of each first terminal, obtaining a first estimated cost of each first terminal; Based on the first estimated cost of each first terminal, the control amount of each first terminal is configured.
5. The method according to claim 4, characterized in that configuring the control quota of each first terminal based on the first estimated cost of each first terminal; Determining a first score of each first terminal based on historical driving data of a driver associated with the first terminal; Determining a second score of each first terminal based on maintenance information of a vehicle associated with the first terminal; Based on the first score and the second score of each first terminal, updating the corresponding first estimated cost to obtain the corresponding second estimated cost; Based on the second estimated cost of each first terminal, the control amount of each first terminal is configured.
6. The method according to claim 5, characterized in that The determining, based on the historical driving data of the driver associated with each first terminal, the first score of the first terminal comprises: For each first terminal, based on the historical driving data of the associated driver, determining a score for each first evaluation indicator in a first evaluation system; the first evaluation system is used to evaluate the driving ability of the driver; Determining the quality score of the driver based on the score of each first evaluation indicator; Based on the quality score of the driver, a first score is determined from a plurality of preconfigured score values.
7. The method according to claim 5, characterized in that The determining, based on the maintenance information of the vehicle associated with each first terminal, a second score of the first terminal, comprises: For each first terminal, based on the maintenance information of the associated vehicle, determining the score of each second evaluation indicator in the second evaluation system; the second evaluation system is used to evaluate the safety of the vehicle; Based on the score of each second evaluation indicator, a second score of the first terminal is determined.
8. The method according to claim 5, characterized in that The configuring the control quota of each first terminal based on the second estimated cost of each first terminal includes: Determining the credibility of each driver based on the historical driving data of the driver associated with each first terminal; Based on the credibility of each driver, determining a dynamic amount and a static amount in the corresponding second estimated cost; The static credit limit is configured as the available credit limit corresponding to the first terminal.
9. The method according to claim 8, characterized in that The target terminal determines the fee for conducting a transaction with the target supplier based on the first account information and the second account information, generates payment information, and sends the payment information to the target supplier, including: The target terminal sends a first request to the target supplier; the first request is used to request a transaction; the first request carries the first account information; The target supplier generates transaction information in response to the first request and sends the transaction information to the target terminal; the transaction information includes fee information, and the fee information is determined based on the billing rules corresponding to the first account; The target terminal determines, based on the transaction information and the second account information, whether the transaction fee exceeds the balance of the second account; When the transaction fee does not exceed the balance of the second account, payment information is generated and sent to the target supplier.
10. The method according to claim 9, characterized in that The method further comprises: When the transaction fee exceeds the balance of the second account, the target terminal determines the difference between the balance of the second account and the transaction fee and generates difference information; The target terminal sends a second request to the vehicle management terminal; the second request is used to request the vehicle management terminal to configure a dynamic quota matching the difference information for the first terminal; The vehicle management end, in response to the second request, uses the dynamic credit limit to configure a supplementary credit limit matching the difference information for the target terminal; generates confirmation information and sends it to the target terminal; After receiving the confirmation information, the target terminal determines whether the transaction fee exceeds the balance of the second account based on the transaction information and the second account information.