Data processing method, vehicle-mounted terminal, data processing system and electronic equipment

Abstract

The present application provides a data processing method, a vehicle terminal, a data processing system and an electronic device, the data processing method comprising: obtaining the vehicle's environmental information and driving information; determining the estimated duration of the vehicle in the current environment based on the environmental information; if the estimated duration is greater than the duration threshold, switching the vehicle terminal from the first network to the target network; using the target network to send driving information to the data processing platform, the data processing platform is used to determine the vehicle's UBI auto insurance based on the driving information, and the signal strength of the target network is greater than the signal strength of the current network. The present application can predict the estimated duration of the vehicle in the current environment, determine whether to switch to a target network with stronger signal strength, and thereby ensure the reliability and real-time transmission of driving information to the data processing platform, solving the problem of the difficulty of implementing UBI auto insurance.

Description

Technical Field

[0001] The present application relates to the field of mobile Internet technology, and in particular to a data processing method, a vehicle-mounted terminal, a data processing system and an electronic device. Background Art

[0002] UBI (Usage-based insurance) is a type of insurance that charges premiums based on usage. UBI insurance can be understood as a type of insurance that charges differentiated prices based on driving behavior. Drivers with poor driving habits need to pay extra premiums for their high-risk driving, while drivers with good driving habits can enjoy premium discounts. To truly implement UBI insurance, it is crucial to solve the problem of real-time data transmission.

[0003] At present, vehicle-mounted terminals are used to collect and transmit data. However, since vehicle-mounted terminals cannot guarantee real-time transmission of data in different environments, the reliability and real-time performance of driving data transmission are affected, making it difficult to implement UBI auto insurance. Summary of the invention

[0004] The embodiments of the present application provide a data processing method, a vehicle-mounted terminal, a data processing system and an electronic device to solve the problem that the reliability and real-time performance of current driving data transmission are poor, which leads to difficulties in the implementation of UBI auto insurance.

[0005] In a first aspect, the present application provides a data processing method, which is applied to a vehicle-mounted terminal. The data processing method includes: obtaining environmental information and driving information of the vehicle; determining an estimated duration that the vehicle is in the current environment based on the environmental information; if the estimated duration is greater than a duration threshold, switching the vehicle-mounted terminal from a first network to a target network; using the target network to send driving information to a data processing platform, the data processing platform is used to determine the UBI auto insurance of the vehicle based on the driving information, and the signal strength of the target network is greater than the signal strength of the current network.

[0006] In one embodiment of the present application, driving information includes location information, and obtaining the driving information of the vehicle includes: receiving GNSS navigation signals and low-orbit navigation enhancement signals; determining the location information based on the GNSS navigation signals and the low-orbit navigation enhancement signals, and the data processing platform is used to determine the vehicle's speed, lane change information or offset information based on the location information.

[0007] In one embodiment of the present application, before determining the estimated length of time the vehicle is in the current environment based on environmental information, it also includes: if the coverage signal strength of the ground mobile communication network corresponding to the location information is less than the signal strength threshold, the network of the vehicle terminal is switched to the first network, which is a satellite network.

[0008] In one embodiment of the present application, driving information includes: acceleration information and vibration information; obtaining the driving information of the vehicle includes: using an acceleration sensor to obtain the acceleration information of the vehicle; using a vibration sensor to obtain the vibration information of the vehicle, and the data processing platform is used to determine the acceleration information, braking information or turning information of the vehicle based on the acceleration information and vibration information.

[0009] In one embodiment of the present application, the environmental information includes: driving scene and driving weather, and obtaining the environmental information of the vehicle includes: using a map box to obtain the driving scene of the vehicle; using a weather sensor to obtain the driving weather of the vehicle.

[0010] A second aspect of the present application provides a vehicle-mounted terminal, comprising:

[0011] An acquisition module, used to acquire environmental information and driving information of the vehicle;

[0012] A determination module, used to determine the estimated time the vehicle will be in the current environment based on the environmental information;

[0013] A switching module, configured to switch the vehicle-mounted terminal from the first network to the target network if the estimated duration is greater than a duration threshold;

[0014] The sending module is used to send driving information to the data processing platform using the target network. The data processing platform is used to determine the UBI insurance of the vehicle based on the driving information. The signal strength of the target network is greater than the signal strength of the current network.

[0015] In one embodiment of the present application, the driving information includes location information, and the acquisition module is specifically used to: receive GNSS navigation signals and low-orbit navigation enhancement signals; determine the location information based on the GNSS navigation signals and low-orbit navigation enhancement signals, and the data processing platform is used to determine the vehicle speed, lane change information or offset information based on the location information.

[0016] In one embodiment of the present application, the switching module is further used to:

[0017] If the coverage signal strength of the ground mobile communication network corresponding to the location information is less than the signal strength threshold, the network of the vehicle terminal is switched to the first network, which is a satellite network.

[0018] In one embodiment of the present application, driving information includes: acceleration information and vibration information; the acquisition module is specifically used to: use an acceleration sensor to obtain the acceleration information of the vehicle; use a vibration sensor to obtain the vibration information of the vehicle, and the data processing platform is used to determine the acceleration information, braking information or turning information of the vehicle based on the acceleration information and vibration information.

[0019] In one embodiment of the present application, the environmental information includes: driving scene and driving weather, and the acquisition module is specifically used to: use a map box to obtain the driving scene of the vehicle; use a weather sensor to obtain the driving weather of the vehicle.

[0020] The third aspect of the present application provides a data processing system, including: a vehicle-mounted terminal as in the second aspect, the data processing system also includes: a space-based network and a data processing platform, the space-based network is used to provide network support for the vehicle-mounted terminal, and the data processing platform is used to determine the UBI auto insurance of the vehicle based on the driving information sent by the vehicle-mounted terminal.

[0021] In one embodiment of the present application, the space-based network includes: a low-orbit satellite Internet constellation, and the vehicle-mounted terminal also includes: a mobile vehicle-mounted antenna; the mobile vehicle-mounted antenna is used to communicate with the low-orbit satellite Internet constellation, so that the vehicle-mounted terminal sends driving information to the data processing platform through the satellite network.

[0022] The fourth aspect of the present application provides an electronic device, including a memory and a processor; wherein,

[0023] The memory is used to store program codes;

[0024] The processor is used to call the program code to implement any data processing method in the first aspect.

[0025] A fifth aspect of the present application provides a computer-readable storage medium having a computer program stored thereon. When the computer program is executed by a processor, the electronic device executes a data processing method as described in any one of the first aspects.

[0026] A sixth aspect of the present application provides a computer program product having a computer program stored thereon. When the computer program is executed by a processor, the electronic device executes a data processing method as described in any one of the first aspects.

[0027] It can be seen from the above technical solutions that the embodiment of the present application obtains the environmental information and driving information of the vehicle; determines the estimated duration of the vehicle in the current environment based on the environmental information; if the estimated duration is greater than the duration threshold, the vehicle terminal is switched from the first network to the target network; the target network is used to send driving information to the data processing platform, and the data processing platform is used to determine the UBI car insurance of the vehicle based on the driving information, and the signal strength of the target network is greater than the signal strength of the current network. It is possible to predict the estimated duration of the vehicle in the current environment and determine whether to switch to the target network with stronger signal strength, thereby ensuring the reliability and real-time transmission of driving information to the data processing platform, and solving the problem of the difficulty of implementing UBI car insurance. BRIEF DESCRIPTION OF THE DRAWINGS

[0028] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. It is obvious that the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0029] Figure 1 It is a schematic diagram of an application scenario of the data processing method provided by this application;

[0030] Figure 2 is a flowchart of the steps of a data processing method provided by an embodiment of the present application;

[0031] Figure 3 is a flowchart of the steps of a data processing method provided by another embodiment of the present application;

[0032] Figure 4 is a schematic diagram of receiving and transmitting data by a vehicle-mounted terminal provided in an embodiment of the present application;

[0033] Figure 5 is a structural block diagram of a vehicle-mounted terminal provided by an embodiment of the present application;

[0034] Figure 6 It is a schematic diagram of the structure of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0035] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution 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 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.

[0036] The traditional "car-based" auto insurance premium pricing is based on the purchase price, model, displacement, and vehicle purchase age of the vehicle, without considering the impact of driving behavior on the accident, resulting in unreasonable auto insurance premium pricing. However, with the support of technologies such as the Internet of Vehicles, cloud computing, and big data, the driving conditions of the vehicle and the driver's behavior data can be recorded in real time and uploaded to the cloud for data analysis, providing a basis and reference for auto insurance premium pricing. The pricing model of UBI auto insurance is based on the driving information of the vehicle and the driver's driving behavior. Differentiated pricing can ensure the fairness of auto insurance premium pricing, thereby improving the phenomenon of unreasonable auto insurance premium pricing. The essence of UBI auto insurance is to differentiate pricing based on the driver's driving behavior. Drivers with poor driving habits need to pay additional premiums for their high risks, while drivers with good habits can enjoy premium discounts. To truly implement UBI auto insurance, it is crucial to solve problems in data collection and transmission.

[0037] In the related art, there are two main data collection methods for UBI auto insurance. One is to use mobile terminals, where the mobile terminals are equipped with a variety of intelligent sensors such as GPS (Global Positioning System), three-axis accelerometers, direction sensors and three-axis gyroscopes, which can collect time series data including driving acceleration, vehicle speed, drift, and vehicle distance for driving behavior analysis. However, the GPS positioning accuracy of the mobile terminal is only up to 10 meters, and in the process of sensor data collection of the mobile terminal, when the mobile terminal is placed in the vehicle in a specific posture (such as tilted and fixed on the center console of the car, or on the gearbox handle rack to ensure the normal operation of the inertial sensor), gravity will generate acceleration components in the X and Y directions of the mobile terminal, affecting the accurate measurement of acceleration and angular velocity in all directions. At the same time, when the mobile terminal collects data, the driver needs to open the relevant application software (app) of the mobile terminal. If the driver does not open it, the relevant data cannot be collected, which leads to incomplete collected data.

[0038] The second is to use the on-board diagnostic system (OBD) terminal. The on-board OBD terminal is mainly composed of various sensors, electronic control units (ECU), OBD connector sockets, fault indicator lights, actuator lines and other subsystems related to engine exhaust control. It can collect data including steering wheel angle, vehicle speed, engine speed, brake pedal position, etc., to monitor the vehicle's operating status and the owner's driving behavior. In addition, the vehicle's driving information is carried out in the Internet of Vehicles environment, mainly relying on ground mobile wireless communication technology (WLAN, GPRS, 4G, 5G, etc.), big data technology and cloud computing technology. The real-time collected driving information is sent to the cloud for storage and analysis through the on-board OBD terminal. However, for the on-board OBD terminal, the quality of the OBD equipment currently provided by third parties is uneven, so the accuracy and breadth of data collection cannot be guaranteed.

[0039] Furthermore, at present, ground mobile communications only cover about 20% of the land area, and 5G coverage is even lower. Therefore, when a vehicle travels to an area where the ground mobile communication network signal is weak or not covered, the mobile terminal or the on-board diagnostic system terminal cannot transmit the acquired driving information to the data processing platform in real time, which will affect the reliability and real-time performance of driving information transmission.

[0040] Based on the above problems, the embodiments of the present application provide a data processing method, a vehicle terminal, a data processing system and an electronic device, which switches the first network of the vehicle terminal to a target network with stronger signal strength by acquiring environmental information, and can ensure the real-time transmission of driving information in any environment. This improves the accuracy, reliability, integrity and real-time performance of driving information collected by the data processing platform, and determines UBI insurance based on more accurate and real-time driving information, making the premium pricing of UBI insurance more reasonable.

[0041] For example, Figure 1 Schematic diagram of an application scenario of the data processing method provided by this application. Figure 1 As shown, the application scenario may include: a data processing system 10, the data processing system includes: a vehicle-mounted terminal 11 described below, the data processing system 10 also includes: a space-based network 12 and a data processing platform 13, the space-based network 12 is used to provide network support for the vehicle-mounted terminal 11, and the data processing platform 13 is used to determine the UBI car insurance of the vehicle according to the driving information sent by the vehicle-mounted terminal.

[0042] The space-based network 12 includes a low-orbit satellite internet constellation, and the vehicle-mounted terminal 11 also includes a vehicle-mounted antenna; the vehicle-mounted antenna is used to communicate with the low-orbit satellite internet constellation, so that the vehicle-mounted terminal sends driving information to the data processing platform through the satellite network. The vehicle-mounted antenna can be a mobile vehicle-mounted antenna or other antennas.

[0043] The technical solution of the present application is described in detail below through specific embodiments. It should be noted that the following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be described in detail in some embodiments.

[0044] Reference Figure 2 , is a flowchart of the steps of the data processing method provided in the embodiment of the present application, and the data processing method is applied to Figure 1 The vehicle-mounted terminal 11 specifically comprises the following steps:

[0045] S201, obtaining vehicle environment information and driving information.

[0046] The environmental information includes driving scenes and driving weather. For example, the driving scenes are closed scenes such as tunnels and under bridges, or open scenes such as roads and grasslands. Driving weather includes severe weather such as strong winds, heavy rain, and heavy snow, as well as non-severe weather such as sunny days, light winds, light rain, and light snow.

[0047] S202: Determine an estimated time that the vehicle will be in the current environment based on the environmental information.

[0048] Among them, the estimated duration corresponding to various environmental information can be preset, and then the estimated duration that the vehicle is in the current environment corresponding to the environmental information can be determined.

[0049] For example, referring to Table 1, in Table 1, for non-bad weather and closed scenes, such as a sunny tunnel, the estimated duration can be determined according to the length of the tunnel. If the tunnel is 1 kilometer, the corresponding estimated duration is 1.5 minutes. For non-bad weather and open scenes, the estimated duration can be set to be greater than the duration threshold. For bad weather, the duration threshold can be determined according to the duration of the bad weather.

[0050] Table 1

[0051]

[0052] S203: If the estimated duration is greater than the duration threshold, the vehicle terminal is switched from the first network to the target network.

[0053] In the embodiment of the present application, if the first network is a satellite network and the target network is a terrestrial mobile communication network, the satellite network usually has poor network signals in closed scenarios and in bad weather, such as tunnels, under bridges, strong winds, heavy rain or heavy snow, etc. However, the vehicle can quickly pass through scenes such as tunnels or under bridges, so when the estimated duration corresponding to scenes such as tunnels or under bridges is less than or equal to the duration threshold, the vehicle terminal does not need to switch networks.

[0054] However, if the estimated duration corresponding to the environment such as bad weather is greater than the duration threshold, if the vehicle terminal does not switch the network, it will seriously affect the transmission of driving information by the vehicle terminal. Therefore, when the estimated duration is greater than the duration threshold, the network of the vehicle terminal is switched from the first network to the target network. The signal strength of the target network is greater than that of the first network, thereby ensuring that the driving information can be transmitted to the data processing platform in real time under different environments.

[0055] In the embodiment of the present application, the duration threshold can be set as needed, such as 5 minutes, 10 minutes, etc.

[0056] S204: Send driving information to the data processing platform using the target network.

[0057] Among them, the data processing platform is used to determine the UBI car insurance of the vehicle based on the driving information, and the signal strength of the target network is greater than the signal strength of the current network.

[0058] In the embodiment of the present application, obtaining the environmental information of the vehicle can play a role in prediction. The network used by the vehicle terminal can be predicted according to different driving scenarios and driving weather conditions during the driving process. In addition, combined with the signal strength of the first network and the target network currently being used by the vehicle terminal, when the estimated duration is greater than the duration threshold, the vehicle terminal can use a network with stronger signal strength to transmit driving information. Among them, the signal strength is characterized by multi-attribute network parameters such as bandwidth, remaining service duration, number of switching times, link quality, user demand, and network congestion rate.

[0059] In an embodiment of the present application, when the estimated duration is greater than the duration threshold, and the signal strength of the target network is greater than the signal strength of the first network, the target network is switched to send the driving information. When the estimated duration is greater than the duration threshold, and the signal strength of the target network is less than or equal to the signal strength of the first network, the first network is still used to send the driving information. This ensures that the vehicle-mounted terminal always uses the best network to send driving information, and when passing through an environment where the estimated duration is less than the duration threshold, there is no need to switch networks, thereby avoiding multiple network switches.

[0060] In addition, refer to Figure 1The data processing platform 13 includes: cloud storage, analysis module and insurance determination module. The cloud storage is used to store the driving information sent by the vehicle terminal 12. The analysis module is used to analyze the driver's driving risk information according to the analysis module, such as sudden acceleration, sudden deceleration, sudden braking, sharp turn, violation, deviation, lane change and speeding. The insurance determination module is used to formulate targeted, fair and personalized UBI auto insurance according to the driving risk information. Then, a personalized insurance policy for the driver can be generated according to the pricing model corresponding to the UBI auto insurance.

[0061] The embodiment of the present application obtains the vehicle's environmental information and driving information; determines the estimated duration of the vehicle in the current environment based on the environmental information; if the estimated duration is greater than the duration threshold, switches the vehicle terminal from the first network to the target network; uses the target network to send driving information to the data processing platform, and the data processing platform is used to determine the vehicle's UBI auto insurance based on the driving information, and the signal strength of the target network is greater than the signal strength of the current network. It is possible to predict the estimated duration of the vehicle in the current environment and determine whether to switch to a target network with stronger signal strength, thereby ensuring the reliability and real-time nature of the transmission of driving information to the data processing platform, solving the problem of the difficulty of implementing UBI auto insurance.

[0062] Based on the above embodiments, the present application provides another data processing method. Figure 3 The data processing method is applied to a vehicle-mounted terminal and specifically comprises the following steps:

[0063] S301, receiving GNSS navigation signals and low-orbit navigation enhancement signals.

[0064] The driving information includes location information, which includes longitude information, latitude information, and altitude information.

[0065] Reference Figure 1, the space-based network 12 includes GNSS navigation constellation, low-orbit navigation enhancement constellation and low-orbit Internet constellation. Among them, GNSS refers to global satellite navigation systems such as GPS, BDS (BeiDou Navigation Satellite System), Glonass (Global navigation satellite system) and Galileo (Galileo system). The low-orbit navigation enhancement constellation includes: dozens to hundreds of low-orbit satellites distributed in multiple orbital planes of the earth. The orbital altitude of low-orbit satellites is below 2000km, achieving coverage of any point in the world. Low-orbit satellites in the same orbit build links back and forth through the same-orbit inter-satellite links, and low-orbit satellites in different orbital planes build links adjacent to each other through different-orbit inter-satellite links, so as to achieve one-satellite communication and star-to-star communication. The low-orbit navigation enhancement constellation broadcasts two navigation enhancement signals and navigation enhancement information at different frequencies. The low-orbit satellite internet constellation is an internet constellation based on satellite communications. It is formed by a certain number of satellites in low-Earth orbit (orbital altitude is 500km to 2000km). It is a constellation with real-time information transmission and can provide communication services mainly based on satellite network access to vehicle terminals. Based on the low-orbit satellite internet constellation, a mobile communication vehicle antenna can be installed on the vehicle terminal, allowing the vehicle terminal to access the satellite network at any time and realize real-time transmission of driving information.

[0066] Among them, refer to Figure 4 The vehicle 41 is provided with an onboard terminal, which determines the location information of the vehicle through the signals sent by the GNSS navigation constellation and the low-orbit navigation enhancement constellation 42. The onboard terminal can send the driving information to the data processing platform 45 through the satellite network 43 provided by the low-earth orbit satellite 431, and can also send the driving information to the data processing platform 45 through the ground mobile communication network 44 provided by the base station 441.

[0067] In the embodiment of the present application, the vehicle terminal can be connected to the vehicle via a bus. The vehicle terminal can receive GNSS navigation signals sent by the GNSS navigation constellation and low-orbit navigation enhancement signals sent by the low-orbit navigation enhancement constellation.

[0068] S302: Determine location information based on the GNSS navigation signal and the low-orbit navigation enhancement signal.

[0069] Among them, the data processing platform is used to determine the vehicle's speed, lane change information or offset information based on the location information.

[0070] In the embodiment of the present application, the vehicle terminal uses the precise point positioning technology (PPP) to achieve fast centimeter-level high-precision positioning of the vehicle based on the GNSS navigation signal and the low-orbit navigation enhancement signal, and determines the vehicle's location information in real time. The vehicle terminal sends the location information to the data processing platform, and the data processing platform can determine the vehicle's speed based on the location information and the time information corresponding to the location information, and determine the lane change information and offset information based on the location information within a period of time. Then, the violation information corresponding to the vehicle is determined based on the vehicle's speed, lane change information or offset information.

[0071] In an embodiment of the present application, the vehicle-mounted terminal may determine lane change information, offset information or traffic violation information based on the position information, and then send the position information, lane change information, offset information or traffic violation information to the data processing platform for use.

[0072] S303, using an acceleration sensor to obtain acceleration information of the vehicle.

[0073] The driving information includes acceleration information and vibration information. Specifically, the acceleration sensor can collect the acceleration information of the vehicle in real time. The acceleration information includes the vehicle's offset acceleration, turning acceleration and axial acceleration.

[0074] S304, using a vibration sensor to obtain vibration information of the vehicle.

[0075] Among them, the data processing platform is used to determine the vehicle's acceleration information, braking information or turning information based on the acceleration information and vibration information.

[0076] In the embodiment of the present application, the vehicle-mounted terminal may determine the braking information or the turning information according to the acceleration information and the vibration information, and then send the acceleration information, the vibration information, the braking information or the turning information to the data processing platform for use.

[0077] S305, using a map box to obtain a driving scene of the vehicle.

[0078] The specific implementation process of this step refers to S201 and will not be repeated here.

[0079] S306, using a weather sensor to obtain the driving weather of the vehicle.

[0080] The specific implementation process of this step refers to S201 and will not be repeated here.

[0081] S307: If the coverage signal strength of the ground mobile communication network corresponding to the location information is less than the signal strength threshold, the network of the vehicle-mounted terminal is switched to the first network.

[0082] Among them, the first network is a satellite network.

[0083] Exemplarily, if the vehicle is traveling in the urban area in the first time period, since the ground mobile communication network coverage signal strength in the urban area is strong (higher than the signal strength threshold), the vehicle-mounted terminal uses the ground mobile communication network to send the driving information in the first time period to the data processing platform in the first time period. Then in the second time period, the vehicle is traveling in a remote mountain village. Since the ground mobile communication network coverage in the remote mountain village is weak or there is no coverage (the coverage signal strength is less than the signal strength threshold), the vehicle-mounted terminal switches the network from the ground mobile communication network to the first network (satellite network), and uses the satellite network to send the driving information in the second time period to the data processing platform. Then in the third time period, when the vehicle is traveling in a tunnel in a remote mountain village, since the estimated duration corresponding to the tunnel is greater than the duration threshold, and the signal strength of the ground mobile communication network in the tunnel is greater than the signal strength of the satellite network, the vehicle's network is switched from the first network (satellite network) to the target network (ground mobile communication network). In the fourth time period, if the vehicle exits the tunnel and is on the road in a remote mountain village, the network is switched from the ground mobile communication network to the first network (satellite network).

[0084] In the embodiment of the present application, it can be ensured that in various scenarios, the vehicle terminal always uses the best network to send driving information to the data processing platform.

[0085] S308: Determine an estimated duration that the vehicle will be in the current environment based on the environmental information.

[0086] The specific implementation process of this step refers to S202 and will not be repeated here.

[0087] S309: If the estimated duration is greater than the duration threshold, the vehicle terminal is switched from the first network to the target network.

[0088] The specific implementation process of this step refers to S203 and will not be repeated here.

[0089] S310, sending driving information to a data processing platform using a target network.

[0090] Among them, the data processing platform is used to determine the UBI car insurance of the vehicle based on the driving information, and the signal strength of the target network is greater than the signal strength of the current network.

[0091] The specific implementation process of this step refers to S204 and will not be repeated here.

[0092] The embodiment of the present application transmits more reliable and real-time driving information in real time through a satellite network or a ground mobile communication network, and after being processed by a data processing platform, it is applied to UBI auto insurance, which is conducive to improving the rationality of auto insurance premium pricing. In addition, when the coverage of the ground mobile communication network is good, the vehicle's network can be switched from the satellite network to the ground mobile communication network. When the coverage of the ground mobile communication network is poor, the satellite network is used to transmit driving information in real time, thereby ensuring the reliability and real-time transmission of driving information to the data processing platform, solving the problem of the difficulty of implementing UBI auto insurance.

[0093] Reference Figure 5 , is a schematic diagram of a vehicle-mounted terminal provided in an embodiment of the present application, wherein the vehicle-mounted terminal 50 includes: an acquisition module 51, a determination module 52, a switching module 53 and a sending module 54. Among them:

[0094] An acquisition module 51 is used to acquire environmental information and driving information of the vehicle;

[0095] A determination module 52, for determining an estimated time duration that the vehicle is in the current environment according to the environmental information;

[0096] A switching module 53, configured to switch the vehicle-mounted terminal from the first network to the target network if the estimated duration is greater than a duration threshold;

[0097] The sending module 54 is used to send the driving information to the data processing platform using the target network. The data processing platform is used to determine the UBI insurance of the vehicle according to the driving information. The signal strength of the target network is greater than the signal strength of the current network.

[0098] In one embodiment of the present application, the driving information includes location information, and the acquisition module 51 is specifically used to: receive GNSS navigation signals and low-orbit navigation enhancement signals; determine the location information based on the GNSS navigation signals and low-orbit navigation enhancement signals, and the data processing platform is used to determine the vehicle speed, lane change information or offset information based on the location information.

[0099] In one embodiment of the present application, the switching module 53 is further used to:

[0100] If the coverage signal strength of the ground mobile communication network corresponding to the location information is less than the signal strength threshold, the network of the vehicle terminal is switched to the first network, which is a satellite network.

[0101] In one embodiment of the present application, driving information includes: acceleration information and vibration information; the acquisition module 51 is specifically used to: use an acceleration sensor to obtain the acceleration information of the vehicle; use a vibration sensor to obtain the vibration information of the vehicle, and the data processing platform is used to determine the acceleration information, braking information or turning information of the vehicle based on the acceleration information and vibration information.

[0102] In one embodiment of the present application, the environmental information includes: driving scene and driving weather, and the acquisition module 51 is specifically used to: use a map box to obtain the driving scene of the vehicle; use a weather sensor to obtain the driving weather of the vehicle.

[0103] Specifically, for the specific working contents of each module of the vehicle-mounted terminal, please refer to the implementation example of the financial management method of the above-mentioned blockchain, which will not be repeated here.

[0104] It should be noted that it should be understood that the division of the various modules of the above device is only a division of logical functions. In actual implementation, they can be fully or partially integrated into one physical entity, or they can be physically separated. And these modules can all be implemented in the form of software called by processing elements; they can also be all implemented in the form of hardware; some modules can also be implemented in the form of software called by processing elements, and some modules can be implemented in the form of hardware. For example, the processing module can be a separately established processing element, or it can be integrated in a chip of the above device. In addition, it can also be stored in the memory of the above device in the form of program code, and called and executed by a processing element of the above device. The implementation of other modules is similar. In addition, these modules can be fully or partially integrated together, or they can be implemented independently. The processing element here can be an integrated circuit with signal processing capabilities. In the implementation process, each step of the above method or each module above can be completed by an integrated logic circuit of hardware in the processor element or instructions in the form of software.

[0105] For example, the above modules may be one or more integrated circuits configured to implement the above methods, such as one or more application specific integrated circuits (ASIC), or one or more microprocessors (digital signal processors, DSP), or one or more field programmable gate arrays (FPGA), etc. For another example, when a module above is implemented in the form of a processing element scheduling program code, the processing element may be a general-purpose processor, such as a central processing unit (CPU) or other processor that can call program code. For another example, these modules may be integrated together and implemented in the form of a system-on-a-chip (SOC).

[0106] In the above embodiments, it can be implemented in whole or in part by software, hardware, firmware or any combination thereof. When implemented using software, it can be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When loading and executing computer program instructions on a computer, the process or function according to the embodiment of the present application is generated in whole or in part. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable devices. The computer instructions can be stored in a computer-readable storage medium, or transmitted from one computer-readable storage medium to another computer-readable storage medium. For example, the computer instructions can be transmitted from a website site, a computer, a server or a data center by wired (e.g., coaxial cable, optical fiber, digital subscriber line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.) mode to another website site, computer, server or data center. The computer-readable storage medium can be any available medium that a computer can access or a data storage device such as a server or a data center that includes one or more available media integration. The available medium can be a magnetic medium, (e.g., a floppy disk, a hard disk, a tape), an optical medium (e.g., a DVD), or a semiconductor medium (e.g., a solid state disk (SSD)), etc.

[0107] Figure 6 This is a schematic diagram of the structure of an electronic device provided in an embodiment of the present application. The electronic device may be a bank server or a blockchain platform. Figure 6 As shown, the electronic device may include: a processor 61, a memory 62, a communication interface 63 and a system bus 64. The memory 62 and the communication interface 63 are connected to the processor 61 through the system bus 64 and communicate with each other. The memory 62 is used to store computer-executable instructions, and the communication interface 63 is used to communicate with other devices. When the processor 61 executes the above-mentioned computer-executable instructions, the solution of the above-mentioned embodiment is implemented.

[0108] Should Figure 6The system bus mentioned in the figure may be a peripheral component interconnect (PCI) bus or an extended industry standard architecture (EISA) bus, etc. The system bus can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, only one thick line is used in the figure, but it does not mean that there is only one bus or one type of bus. The communication interface is used to realize the communication between the database access device and other devices (such as clients, read-write libraries, and read-only libraries). The memory may include random access memory (RAM) and may also include non-volatile memory (non-volatile memory), such as at least one disk storage.

[0109] The above-mentioned processor can be a general-purpose processor, including a central processing unit CPU, a network processor (NP), etc.; it can also be a digital signal processor DSP, an application-specific integrated circuit ASIC, a field programmable gate array FPGA or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components.

[0110] Optionally, the embodiment of the present application further provides a computer-readable storage medium, in which a computer program is stored. When the computer program is executed by the processor, the electronic device executes the above-mentioned Figures 2 to 3 The method of the illustrated embodiment.

[0111] Optionally, the embodiment of the present application further provides a computer program product, on which a computer program is stored, and when the computer program is executed by a processor, the electronic device executes the above Figures 2 to 3 The method of the illustrated embodiment.

[0112] In the present application, "at least one" means one or more, and "plurality" means two or more. "And / or" describes the association relationship of associated objects, indicating that three relationships may exist. For example, A and / or B can represent: A exists alone, A and B exist at the same time, and B exists alone, where A and B can be singular or plural. The character " / " generally indicates that the previous and next associated objects are in an "or" relationship; in the formula, the character " / " indicates that the previous and next associated objects are in a "division" relationship. "At least one of the following items" or similar expressions refers to any combination of these items, including any combination of single items or plural items. For example, at least one of a, b, or c can represent: a, b, c, ab, ac, bc, or abc, where a, b, c can be single or multiple.

[0113] It is to be understood that the various numerical numbers involved in the embodiments of the present application are only for the convenience of description and are not intended to limit the scope of the embodiments of the present application. In the embodiments of the present application, the size of the sequence number of each process does not mean the order of execution, and the execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of the present application.

[0114] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present application, rather than to limit it. Although the present application has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or replace some or all of the technical features therein with equivalents. However, these modifications or replacements do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of the present application.

Claims

1. A data processing method, characterized in that: Applied to a vehicle-mounted terminal, the data processing method includes: Acquire environmental information and driving information of the vehicle; the environmental information includes driving scene and driving weather; Determining an estimated time that the vehicle will be in the current environment based at least on the environmental information; If the estimated duration is greater than the duration threshold, switching the vehicle-mounted terminal from the first network to the target network; The target network is used to send the driving information to a data processing platform, and the data processing platform is used to determine the UBI insurance of the vehicle according to the driving information. The signal strength of the target network is greater than the signal strength of the current network.

2. The data processing method according to claim 1, characterized in that: The driving information includes location information, and obtaining the driving information of the vehicle includes: Receive GNSS navigation signals and low-orbit navigation enhancement signals; The position information is determined according to the GNSS navigation signal and the low-orbit navigation enhancement signal, and the data processing platform is used to determine the speed, lane change information or offset information of the vehicle according to the position information.

3. The data processing method according to claim 2, characterized in that: Before determining the estimated duration of time that the vehicle is in the current environment according to the environmental information, the method further includes: If the coverage signal strength of the ground mobile communication network corresponding to the location information is less than the signal strength threshold, the network of the vehicle terminal is switched to the first network, which is a satellite network.

4. The data processing method according to any one of claims 1 to 3, characterized in that: The driving information includes: acceleration information and vibration information; obtaining the driving information of the vehicle includes: Using an acceleration sensor to obtain acceleration information of the vehicle; A vibration sensor is used to obtain vibration information of the vehicle, and the data processing platform is used to determine acceleration information, braking information or turning information of the vehicle according to the acceleration information and the vibration information.

5. The data processing method according to any one of claims 1 to 3, characterized in that: Obtain vehicle environment information, including: Using a map box to obtain the driving scene of the vehicle; A weather sensor is used to obtain the driving weather of the vehicle.

6. A vehicle-mounted terminal, characterized in that: include: An acquisition module, used to acquire environmental information and driving information of the vehicle; The environmental information includes driving scene and driving weather; A determination module, configured to determine an estimated time period for the vehicle to be in a current environment based at least on the environmental information; A switching module, configured to switch the vehicle-mounted terminal from the first network to the target network if the estimated duration is greater than a duration threshold; A sending module is used to send the driving information to a data processing platform using the target network, and the data processing platform is used to determine the UBI insurance of the vehicle according to the driving information. The signal strength of the target network is greater than the signal strength of the current network.

7. A data processing system, characterized in that: include: The vehicle-mounted terminal as described in claim 6, the data processing system further includes: a space-based network and a data processing platform, the space-based network is used to provide network support for the vehicle-mounted terminal, and the data processing platform is used to determine the UBI car insurance of the vehicle based on the driving information sent by the vehicle-mounted terminal.

8. The data processing system according to claim 7, characterized in that: The space-based network includes: a low-orbit satellite internet constellation, and the vehicle-mounted terminal also includes: a mobile communication vehicle-mounted antenna; The mobile vehicle-mounted antenna is used to communicate with the low-orbit satellite Internet constellation, so that the vehicle-mounted terminal sends the driving information to the data processing platform through the satellite network.

9. An electronic device, characterized in that: comprising a memory and a processor; wherein, The memory is used to store program code; The processor is used to call the program code to implement the data processing method according to any one of claims 1 to 5.

10. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the electronic device executes the data processing method according to any one of claims 1 to 5.

11. A computer program product having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the electronic device executes the data processing method according to any one of claims 1 to 5.

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