Electronic payment account intelligent processing method and system applied to vehicle

Abstract

The invention relates to the technical field of intelligent control, and discloses an electronic payment account intelligent processing method and system applied to a vehicle, and the method comprises the steps: judging whether the vehicle meets an electronic payment account adjustment condition or not according to the obtained information change condition of a vehicle person in the vehicle, and if the vehicle meets the electronic payment account number adjustment condition, carrying out binding adjustment operation of the electronic payment account number on the vehicle. Visibly, in the operation process, vehicle related personnel do not need to manually perform unbinding / binding operation, so that the unbinding / binding efficiency and convenience of the electronic payment account number are improved, meanwhile, the binding state of the vehicle to the electronic payment account number can be adjusted according to the information change condition of the vehicle personnel, and the user experience is improved. Therefore, the fee deduction accuracy of the vehicle-related fee is improved.

Description

Technical Field

[0001] The present invention relates to the field of intelligent control technology, and in particular to an intelligent processing method and system for an electronic payment account applied to a vehicle. Background Art

[0002] At present, in order to quickly realize the payment of vehicle-related fees such as vehicle tolls, parking fees or charging fees, vehicle-related personnel (such as drivers) can bind their electronic payment accounts to their vehicles, so that in scenarios where vehicle-related fees need to be paid, after identifying vehicle-related identifications such as license plate numbers, ETC electronic tags, etc., the vehicle-related fees can be automatically deducted directly from the electronic payment account bound to the vehicle.

[0003] In actual applications, in some vehicle usage scenarios, such as when the vehicle is loaned or rented to other people, it is necessary to unbind the electronic payment account previously bound to the vehicle and bind a new electronic payment account so that the vehicle-related fees can be deducted from the newly bound electronic payment account.

[0004] However, in actual operation, the unbinding / binding of the electronic payment account usually requires manual operation by vehicle-related personnel, which is not conducive to improving the efficiency and convenience of unbinding / binding the electronic payment account. If the vehicle-related personnel forget to unbind / bind the electronic payment account, it will also lead to deduction errors or failure of automatic deduction. Summary of the invention

[0005] The present invention provides an intelligent processing method and system for electronic payment accounts applied to vehicles, which can eliminate the need for vehicle-related personnel to manually unbind / bind during operation, thereby improving the efficiency and convenience of unbinding / binding electronic payment accounts. At the same time, the present invention can adjust the binding status of the vehicle to the electronic payment account according to changes in the information of the vehicle personnel, thereby improving the accuracy of deduction of vehicle-related expenses.

[0006] The first aspect of the present invention discloses an intelligent processing method for an electronic payment account applied to a vehicle, the method comprising:

[0007] Obtaining changes in information about the vehicle occupants in the vehicle, and determining whether the vehicle meets the electronic payment account adjustment conditions based on the changes in the information;

[0008] When it is determined that the vehicle meets the electronic payment account adjustment conditions, an electronic payment account binding adjustment operation is performed on the vehicle, wherein the binding adjustment operation includes an unbinding operation of an already bound electronic payment account and / or a binding operation of a determined new electronic payment account.

[0009] As an optional implementation manner, in the first aspect of the present invention, the information change includes a change in the personnel information corresponding to a target seat in the vehicle, and the target seat includes a driving seat or a non-driving seat;

[0010] The determining, according to the information change, whether the vehicle meets the electronic payment account adjustment condition includes:

[0011] Acquire the current personnel information of the person currently sitting on the target seat and the historical personnel information of the persons who have sat on the target seat in the past, wherein the collection time of the historical personnel information is earlier than the collection time of the current personnel information, and the time difference between the collection time of the historical personnel information and the collection time of the current personnel information is less than or equal to a preset time threshold;

[0012] Comparing the current personnel information with the historical personnel information to obtain a comparison result;

[0013] If the comparison result indicates that the current seated person in the target seat has changed compared to the historical seated person in the target seat, it is determined that the vehicle meets the electronic payment account adjustment condition;

[0014] The current person information includes at least one of facial feature information, fingerprint feature information, voiceprint feature information and iris feature information of the person currently sitting in the target seat.

[0015] As an optional implementation, in the first aspect of the present invention, if the comparison result indicates that the current seated person in the target seat has changed compared to the historical seated person in the target seat, before determining that the vehicle meets the electronic payment account adjustment condition, the method further includes:

[0016] Determining, based on the current occupant information, whether the person currently seated on the target seat is a person who sat on other seats in the vehicle before the person seated on the target seat changed;

[0017] When it is determined that the person currently sitting in the target seat is not the person who sat in other seats in the vehicle before the person sitting in the target seat changed, the step of determining that the vehicle meets the electronic payment account adjustment conditions is executed.

[0018] As an optional implementation, in the first aspect of the present invention, when the binding adjustment operation includes the binding operation, before performing the binding adjustment operation of the electronic payment account on the vehicle, the method further includes:

[0019] Determining a new electronic payment account to be bound to the vehicle; wherein the new electronic payment account includes automatic electronic payment account information and / or ETC account information;

[0020] The step of performing a binding adjustment operation on the electronic payment account of the vehicle includes:

[0021] Performing an account binding operation on the vehicle and the new electronic payment account; or,

[0022] If the vehicle has an electronic payment account that has been bound, an unbinding operation is performed on the electronic payment account that has been bound to the vehicle, and an account binding operation is performed on the vehicle and the new electronic payment account.

[0023] As an optional implementation, in the first aspect of the present invention, the determining of a new electronic payment account to be bound to the vehicle includes:

[0024] According to the current person information, an electronic payment account previously associated with the current person information is obtained as a new electronic payment account to be bound to the vehicle; or

[0025] Send a request for obtaining the electronic payment account to be bound to the vehicle operation management cloud platform of the vehicle, receive response information returned by the vehicle operation management cloud platform for the acquisition request, and determine the electronic payment account included in the response information as a new electronic payment account to be bound to the vehicle.

[0026] As an optional implementation, in the first aspect of the present invention, after determining that the vehicle meets the electronic payment account adjustment condition and before performing the binding adjustment operation of the electronic payment account on the vehicle, the method further includes:

[0027] Determine whether the electronic payment account binding adjustment function is turned on for the vehicle, and if the electronic payment account binding adjustment function is turned on for the vehicle, trigger the electronic payment account binding adjustment operation for the vehicle; or output electronic payment account binding adjustment prompt information to vehicle-related personnel, and if electronic payment account binding adjustment confirmation information triggered by the vehicle-related personnel in response to the electronic payment account binding adjustment prompt information is received, trigger the electronic payment account binding adjustment operation for the vehicle;

[0028] and / or,

[0029] After determining the new electronic payment account to be bound to the vehicle and before performing the binding adjustment operation of the electronic payment account on the vehicle, the method further includes:

[0030] Determine whether the person to whom the new electronic payment account belongs has activated the electronic payment account binding function. If the person to whom the new electronic payment account belongs has activated the electronic payment account binding function, trigger the binding adjustment operation of the electronic payment account for the vehicle.

[0031] As an optional embodiment, in the first aspect of the present invention, the method further comprises:

[0032] When the vehicle needs to pay vehicle fees, the vehicle fees are deducted from the new electronic payment account bound to the vehicle; and / or,

[0033] After the vehicle fee is deducted from the new electronic payment account bound to the vehicle, the deduction result and / or the fee invoice and / or the address of issuing the fee invoice and / or the code map of issuing the fee invoice are sent to the communication terminal bound to the vehicle-related personnel and / or the electronic address bound to the new electronic payment account.

[0034] The second aspect of the present invention discloses an intelligent processing system for electronic payment accounts applied to vehicles, the system comprising:

[0035] A condition judgment module, the condition judgment module is used to obtain information changes of vehicle personnel in the vehicle, and judge whether the vehicle meets the electronic payment account adjustment conditions according to the information changes;

[0036] An adjustment module, wherein when it is determined that the vehicle meets the electronic payment account adjustment conditions, the adjustment module is used to perform an electronic payment account binding adjustment operation on the vehicle, wherein the binding adjustment operation includes an unbinding operation of a bound target electronic payment account and / or a binding operation of a determined new target electronic payment account.

[0037] As an optional implementation, in the second aspect of the present invention, the information change includes a change in the personnel information corresponding to a target seat in the vehicle, and the target seat includes a driving seat or a non-driving seat;

[0038] The specific method in which the condition judgment module judges whether the vehicle meets the electronic payment account adjustment condition according to the information change includes:

[0039] Acquire the current personnel information of the person currently sitting on the target seat and the historical personnel information of the persons who have sat on the target seat in the past, wherein the collection time of the historical personnel information is earlier than the collection time of the current personnel information, and the time difference between the collection time of the historical personnel information and the collection time of the current personnel information is less than or equal to a preset time threshold;

[0040] Comparing the current personnel information with the historical personnel information to obtain a comparison result;

[0041] If the comparison result indicates that the current seated person in the target seat has changed compared to the historical seated person in the target seat, it is determined that the vehicle meets the electronic payment account adjustment condition;

[0042] The current person information includes at least one of facial feature information, fingerprint feature information, voiceprint feature information and iris feature information of the person currently sitting in the target seat.

[0043] As an optional implementation, in the second aspect of the present invention, if the comparison result indicates that the current seated person in the target seat has changed compared to the historical seated person in the target seat, before determining that the vehicle meets the electronic payment account adjustment condition, the condition judgment module is further configured to perform the following operations:

[0044] Determining, based on the current occupant information, whether the person currently seated on the target seat is a person who sat on other seats in the vehicle before the person seated on the target seat changed;

[0045] When it is determined that the person currently sitting in the target seat is not the person who sat in other seats in the vehicle before the person sitting in the target seat changed, the step of determining that the vehicle meets the electronic payment account adjustment conditions is executed.

[0046] As an optional implementation, in the second aspect of the present invention, when the binding adjustment operation includes the binding operation, before the adjustment module performs the binding adjustment operation of the electronic payment account on the vehicle, the system further includes:

[0047] An account determination module, the account determination module is used to determine a new electronic payment account to be bound to the vehicle; wherein the new electronic payment account includes automatic electronic payment account information and / or ETC account information;

[0048] The specific manner in which the adjustment module performs the binding adjustment operation of the electronic payment account on the vehicle includes:

[0049] Performing an account binding operation on the vehicle and the new electronic payment account; or,

[0050] If the vehicle has an electronic payment account that has been bound, an unbinding operation is performed on the electronic payment account that has been bound to the vehicle, and an account binding operation is performed on the vehicle and the new electronic payment account.

[0051] As an optional implementation, in the second aspect of the present invention, the specific manner in which the account determination module determines the new electronic payment account to be bound to the vehicle includes:

[0052] According to the current person information, an electronic payment account previously associated with the current person information is obtained as a new electronic payment account to be bound to the vehicle; or

[0053] Send a request for obtaining the electronic payment account to be bound to the vehicle operation management cloud platform of the vehicle, receive response information returned by the vehicle operation management cloud platform for the acquisition request, and determine the electronic payment account included in the response information as a new electronic payment account to be bound to the vehicle.

[0054] As an optional implementation, in the second aspect of the present invention, after determining that the vehicle meets the electronic payment account adjustment condition, before performing the binding adjustment operation of the electronic payment account on the vehicle, the adjustment module is further configured to perform the following operations:

[0055] Determine whether the electronic payment account binding adjustment function is turned on for the vehicle, and if the electronic payment account binding adjustment function is turned on for the vehicle, trigger the electronic payment account binding adjustment operation for the vehicle; or output electronic payment account binding adjustment prompt information to vehicle-related personnel, and if electronic payment account binding adjustment confirmation information triggered by the vehicle-related personnel in response to the electronic payment account binding adjustment prompt information is received, trigger the electronic payment account binding adjustment operation for the vehicle;

[0056] and / or,

[0057] After determining the new electronic payment account to be bound to the vehicle and before performing the binding adjustment operation of the electronic payment account on the vehicle, the adjustment module is further configured to perform the following operations:

[0058] Determine whether the person to whom the new electronic payment account belongs has activated the electronic payment account binding function. If the person to whom the new electronic payment account belongs has activated the electronic payment account binding function, trigger the binding adjustment operation of the electronic payment account for the vehicle.

[0059] As an optional implementation, in the second aspect of the present invention, the system further includes:

[0060] A fee processing module, which is used to deduct the vehicle fees from the new electronic payment account bound to the vehicle when the vehicle needs to pay the vehicle fees; and / or, after deducting the vehicle fees from the new electronic payment account bound to the vehicle, send the deduction results and / or the fee invoice and / or the address of issuing the fee invoice and / or the issuing code map of the fee invoice to the communication terminal bound to the vehicle-related personnel and / or the electronic address bound to the new electronic payment account.

[0061] The third aspect of the present invention discloses another intelligent processing system for electronic payment accounts applied to vehicles, the system comprising:

[0062] at least one memory;

[0063] at least one processor;

[0064] at least one computer program;

[0065] The computer program is stored in the memory, and the processor executes at least one computer program to implement the intelligent processing method for electronic payment accounts applied to vehicles disclosed in the first aspect of the present invention.

[0066] The fourth aspect of the present invention discloses a computer-readable storage medium, which stores computer-executable instructions, and the computer-executable instructions are used to enable a computer to execute the intelligent processing method for electronic payment accounts applied to vehicles disclosed in the first aspect of the present invention.

[0067] Compared with the prior art, the present invention has the following beneficial effects:

[0068] The present invention determines whether the vehicle meets the electronic payment account adjustment conditions according to the changes in the information of the vehicle personnel in the vehicle, and if the vehicle meets the electronic payment account adjustment conditions, performs the electronic payment account binding adjustment operation on the vehicle. It can be seen that the present invention can improve the efficiency and convenience of unbinding / binding of the electronic payment account without the need for the vehicle-related personnel to manually perform the unbinding / binding operation during the operation process. At the same time, the present invention can adjust the binding status of the vehicle to the electronic payment account according to the changes in the information of the vehicle personnel, thereby improving the accuracy of the deduction of vehicle-related expenses. BRIEF DESCRIPTION OF THE DRAWINGS

[0069] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0070] Figure 1 It is a flow chart of an intelligent processing method for electronic payment accounts applied to vehicles disclosed in an embodiment of the present invention;

[0071] Figure 2 It is a structural schematic diagram of an electronic payment account intelligent processing system applied to a vehicle disclosed in an embodiment of the present invention;

[0072] Figure 3 It is a structural schematic diagram of an electronic payment account intelligent processing system applied to a vehicle according to another optional embodiment disclosed in an embodiment of the present invention;

[0073] Figure 4 It is a structural schematic diagram of another electronic payment account intelligent processing system applied to a vehicle disclosed in an embodiment of the present invention.

[0074] Reference numerals:

[0075] Condition judgment module 201 , adjustment module 202 , account determination module 301 , fee processing module 302 , processor 401 , memory 402 , input / output interface 403 , communication interface 404 , bus 405 . DETAILED DESCRIPTION

[0076] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0077] The terms "first", "second", etc. in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish different objects rather than to describe a specific order. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions. For example, a process, method, device, product or end including a series of steps or units is not limited to the listed steps or units, but may optionally include steps or units that are not listed, or may optionally include other steps or units inherent to these processes, methods, products or ends.

[0078] Reference to "embodiments" herein means that a particular feature, structure, or characteristic described in conjunction with the embodiments may be included in at least one embodiment of the present invention. The appearance of the phrase in various places in the specification does not necessarily refer to the same embodiment, nor is it an independent or alternative embodiment that is mutually exclusive with other embodiments. It is explicitly and implicitly understood by those skilled in the art that the embodiments described herein may be combined with other embodiments.

[0079] At present, in order to quickly realize the payment of vehicle-related fees such as vehicle tolls, parking fees or charging fees, vehicle-related personnel (such as drivers) can bind their electronic payment accounts to their vehicles, so that in scenarios where vehicle-related fees need to be paid, after identifying vehicle-related identifications such as license plate numbers, ETC electronic tags, etc., the vehicle-related fees can be automatically deducted directly from the electronic payment account bound to the vehicle.

[0080] In actual applications, in some vehicle usage scenarios, such as when the vehicle is loaned or rented to other people, it is necessary to unbind the electronic payment account previously bound to the vehicle and bind a new electronic payment account so that the vehicle-related fees can be deducted from the newly bound electronic payment account.

[0081] However, in actual operation, the unbinding / binding of the electronic payment account usually requires manual operation by vehicle-related personnel, which is not conducive to improving the efficiency and convenience of unbinding / binding the electronic payment account. If the vehicle-related personnel forget to unbind / bind the electronic payment account, it will also lead to deduction errors or failure of automatic deduction.

[0082] In this regard, the present invention discloses an intelligent processing method for electronic payment accounts applied to vehicles, which can eliminate the need for vehicle-related personnel to manually unbind / bind operations during operation, thereby improving the efficiency and convenience of unbinding / binding electronic payment accounts. At the same time, it can adjust the binding status of the vehicle to the electronic payment account according to changes in the information of the vehicle personnel, thereby improving the accuracy of deductions of vehicle-related expenses.

[0083] In order to fully explain the electronic payment account intelligent processing method and system for vehicles disclosed in the present invention, the vehicles to which the present invention is applicable are first described. Specifically, the vehicle types to which the method and system described in the present invention are applicable can be fuel vehicles, hybrid vehicles, pure electric vehicles, etc., and the method and system described in the present invention do not limit the passenger capacity of the vehicle or the number of seats in the vehicle.

[0084] Embodiment 1

[0085] See also Figure 1 , Figure 1 1 is a flow chart of an intelligent processing method for electronic payment accounts applied to vehicles disclosed in an embodiment of the present invention. Figure 1 As shown, the method may include the following steps:

[0086] 101. Obtain information changes of vehicle occupants in the vehicle, and determine whether the vehicle meets the electronic payment account adjustment conditions based on the information changes.

[0087] In the embodiment of the present invention, the vehicle personnel refers to any one or more persons carried in the vehicle, and the vehicle personnel can sit in the vehicle seat or stand in the vehicle. Furthermore, the change of the vehicle personnel information can refer to the change of the information of a single vehicle personnel, or can refer to the change of the information of any one or more vehicle personnel or all vehicle personnel in the vehicle. It should be noted that the information of the vehicle personnel can include the facial feature information, fingerprint feature information, voiceprint feature information, iris feature information, mobile phone number information, etc. of the vehicle personnel, which is not limited in this embodiment.

[0088] When the vehicle personnel information change indicates that there is a change in the vehicle personnel information that requires electronic payment account binding adjustment, the vehicle is judged to meet the electronic payment account adjustment conditions. Conversely, when the vehicle personnel information change indicates that there is no change in the vehicle personnel information, or there is a change in the vehicle personnel information that does not require electronic payment account binding adjustment, the vehicle is judged to not meet the electronic payment account adjustment conditions.

[0089] For example, in a specific embodiment, the change in the information of the vehicle personnel may be the change in the driving action of the driver. If it is determined that the change in the driving action of the driver belongs to the driving preparation state (such as getting in the car, fastening the seat belt, etc.) or the driving state, the vehicle needs to switch the binding of the driver's electronic payment account, that is, it is determined that the vehicle meets the electronic payment account adjustment conditions. If it is determined that the change in the driving action of the driver belongs to the stopped driving state (such as turning off the engine, getting off the car, etc.), the vehicle needs to switch to unbind the driver's electronic payment account, that is, it is also determined that the vehicle meets the electronic payment account adjustment conditions.

[0090] 102. When it is determined that the vehicle meets the electronic payment account adjustment conditions, perform an electronic payment account binding adjustment operation on the vehicle.

[0091] The binding adjustment operation includes an unbinding operation of a bound electronic payment account and / or a binding operation of a determined new electronic payment account.

[0092] In an embodiment of the present invention, when the acquired information change determines that the vehicle meets the electronic payment account adjustment conditions, it indicates that the vehicle needs to unbind the bound electronic payment account, or the vehicle needs to bind to a determined new electronic payment account, or the vehicle needs to first unbind the bound electronic payment account and then bind to the determined new electronic payment account.

[0093] It can be seen that the embodiment of the present invention can eliminate the need for vehicle-related personnel to manually unbind / bind during operation, thereby improving the efficiency and convenience of unbinding / binding the electronic payment account. At the same time, the present invention can adjust the binding status of the vehicle to the electronic payment account according to changes in the information of the vehicle personnel, thereby improving the accuracy of deductions for vehicle-related fees.

[0094] In an optional embodiment, the information change includes the change of the person information corresponding to the target seat in the vehicle, and the target seat includes the driving seat or the non-driving seat. Judging whether the vehicle meets the electronic payment account adjustment conditions according to the information change may include:

[0095] Obtain the current personnel information of the person currently sitting in the target seat and the historical personnel information of the persons who have sat in the target seat in the past;

[0096] Compare current personnel information with historical personnel information to obtain comparison results;

[0097] If the comparison result indicates that the current seat occupant of the target seat has changed compared to the historical seat occupant of the target seat, it is determined that the vehicle meets the electronic payment account adjustment conditions.

[0098] The historical personnel information is collected earlier than the current personnel information, and the time difference between the historical personnel information and the current personnel information is less than or equal to a preset time threshold, and the current personnel information includes at least one of facial feature information, fingerprint feature information, voiceprint feature information, and iris feature information of the person currently sitting in the target seat. Optionally, the current personnel information can be collected by a corresponding feature collection device configured in the vehicle, for example, the feature collection device can be a human biometric feature recognition device installed in the vehicle, or a human-computer interaction device such as a touch screen, a voice interaction application system, etc.

[0099] In this optional embodiment, the target seat can be determined as a driving seat or a non-driving seat according to actual needs. For example, in a specific embodiment, the vehicle is a loaned vehicle, and the person who needs to pay the vehicle-related fees is the driver who rents the vehicle in the driving seat, that is, the person sitting in the driving seat has changed and the electronic payment account bound to the vehicle needs to be changed. In this case, the target seat is selected as the driving seat. For another example, the vehicle is a taxi, and the person who needs to pay the vehicle-related fees is the taxi passenger in the non-driving seat, that is, the person sitting in the non-driving seat has changed and the electronic payment account bound to the vehicle needs to be changed. The target seat is selected as the non-driving seat.

[0100] Furthermore, after obtaining the current personnel information of the person currently sitting on the target seat and the historical personnel information of the person who sat on the target seat in the past, the current personnel information is compared with the historical personnel information to determine whether the person currently sitting on the target seat is the person who sat on the target seat in the past. If the person currently sitting on the target seat is the person who sat on the target seat in the past, it indicates that the person sitting on the target seat has not changed. At this time, there is no need to perform the binding adjustment operation of the electronic payment account, that is, the vehicle does not meet the electronic payment account adjustment conditions. If the person currently sitting on the target seat is not the person who sat on the target seat in the past, it indicates that the person sitting on the target seat has changed. At this time, it is necessary to perform the binding adjustment operation of the electronic payment account, that is, to determine that the vehicle meets the electronic payment account adjustment conditions.

[0101] It can be seen that this optional embodiment can also determine whether the vehicle meets the electronic payment account adjustment conditions based on changes in the seats of the target seats. The vehicle can quickly and automatically identify the seats occupied by the passengers in the vehicle to determine whether the vehicle needs to perform electronic payment account binding adjustment operations, thereby further improving the efficiency and convenience of unbinding / binding electronic payment accounts.

[0102] In an optional embodiment, if the comparison result indicates that the current seated person in the target seat has changed compared to the historical seated person in the target seat, before determining that the vehicle meets the electronic payment account adjustment condition, the method may further include the following steps:

[0103] Determine, based on the current passenger information, whether the person currently seated in the target seat is the person who sat in other seats in the vehicle before the person seated in the target seat changed;

[0104] When it is determined that the person currently seated in the target seat is not the person who sat in other seats in the vehicle before the person seated in the target seat changed, the step of determining whether the vehicle meets the electronic payment account adjustment conditions is executed.

[0105] In this optional embodiment, even if it is determined that the person sitting in the target seat has changed, it may still be necessary to not switch the bound electronic payment account. Therefore, it is necessary to further analyze the person currently sitting in the target seat to determine whether the vehicle should switch the binding to the electronic payment account of the currently seated person.

[0106] If the person currently sitting in the target seat has already sat in another seat of the vehicle before the person currently sitting in the target seat changes, it indicates that the vehicle may not need to switch the electronic payment account bound to the person currently sitting in the target seat. If the person currently sitting in the target seat has not sat in another seat of the vehicle before the person currently sitting in the target seat changes, it indicates that the person currently sitting is a new occupant of the vehicle. At this time, the vehicle needs to switch the electronic payment account bound to the person currently sitting, that is, it is determined that the vehicle meets the electronic payment account adjustment conditions.

[0107] For example, in a specific embodiment, the target seat is the driver's seat, and the person who has sat in the driver's seat in the past is the owner of the vehicle. At the same time, there are other passengers in the non-driving seat, and the electronic payment account bound to the vehicle before the owner changes seats belongs to the owner. When the owner needs to switch to other passengers in the non-driving seat to drive due to driving fatigue, the owner is still responsible for the vehicle-related expenses, so the vehicle does not need to switch the electronic payment account bound to other passengers. In this case, the vehicle can identify that the person sitting in the driver's seat is the person who previously sat in other non-driving seats, that is, at this time, it is judged that the vehicle does not meet the electronic payment account adjustment conditions.

[0108] For another example, in another specific embodiment, the vehicle is a taxi, the target seat is one of the non-driving seats (i.e., the passenger seat), the person who sat in the passenger seat in the past is the target passenger, and there is a taxi driver in the driving seat. Before the seat is changed, the electronic payment account bound to the taxi belongs to the target passenger. When it is identified that the person in the passenger seat has changed, there may be two situations: first, before the person in the passenger seat changes, there are other passengers in other passenger seats, and the target passenger just exchanges seats with a passenger who previously sat in other passenger seats. The target passenger still bears the vehicle-related expenses, so the vehicle does not need to switch the electronic payment account bound to other passengers; second, the target passenger gets off the car, and the person sitting in the passenger seat is a new passenger. Before the person in the passenger seat changes, the new passenger did not sit in other passenger seats of the taxi. At this time, the new passenger needs to bear the vehicle-related expenses, so the vehicle needs to switch the electronic payment account bound to the new passenger. In the first case mentioned above, the vehicle can identify that the passenger sitting in the driver's seat is another passenger who had previously sat in other non-driving seats, and at this time it is judged that the vehicle does not meet the conditions for adjusting the electronic payment account; in the second case mentioned above, the vehicle can identify that the passenger sitting in the driver's seat has not previously sat in other seats, and at this time it is judged that the vehicle meets the conditions for adjusting the electronic payment account.

[0109] It can be seen that this optional embodiment can further determine whether the person currently sitting in the target seat has already sat in other seats of the vehicle before the person sitting in the target seat changed, thereby avoiding the situation where the vehicle mistakenly switches to an electronic payment account that does not need to be bound, thereby further improving the accuracy of deductions for vehicle-related fees.

[0110] In an optional embodiment, when the binding adjustment operation includes a binding operation, before performing the binding adjustment operation of the electronic payment account on the vehicle, the method may further include the following steps:

[0111] Determine the new electronic payment account to be bound to the vehicle.

[0112] The new electronic payment account includes automatic electronic payment account information and / or ETC account information. For example, when the vehicle needs to use the Electronic Toll Collection System (ETC) to make electronic payments for vehicle-related fees, the new electronic payment account can be selected as the ETC account; when the vehicle needs to use other methods other than ETC to make electronic payments for vehicle-related fees, the new electronic payment account can be selected as the automatic electronic payment account.

[0113] In this optional embodiment, performing the binding adjustment operation of the electronic payment account for the vehicle may include the following steps:

[0114] Bind the vehicle to the new electronic payment account; or,

[0115] If the vehicle has an electronic payment account that has been bound to it, the electronic payment account that has been bound to the vehicle will be unbound, and the vehicle will be bound to the new electronic payment account.

[0116] In this optional embodiment, further, when the acquired information change determines that the vehicle meets the electronic payment account adjustment conditions, it indicates that the current vehicle needs to be bound to the electronic payment account. At this time, if the vehicle has not been bound to an electronic payment account before, the predetermined new electronic payment account is bound to the vehicle. If the vehicle has been bound to an electronic payment account before, the bound electronic payment account is unbound from the vehicle. If the information change also indicates that there is currently a new electronic payment account that needs to be bound to the vehicle, after unbinding the bound electronic payment account from the vehicle, the determined new electronic payment account is bound to the vehicle.

[0117] It can be seen that this optional embodiment can also determine whether the vehicle is directly bound to the new electronic payment account, or first unbind the old electronic payment account before binding it to the new electronic payment account, based on the actual binding status of the vehicle and the old electronic payment account when binding a new account, thereby further improving the efficiency of unbinding / binding of electronic payment accounts.

[0118] In an optional embodiment, determining a new electronic payment account to be bound to the vehicle may include the following steps:

[0119] According to the current personnel information, an electronic payment account previously associated with the current personnel information is obtained as a new electronic payment account to be bound to the vehicle; or,

[0120] A request for obtaining the electronic payment account to be bound is sent to the vehicle operation management cloud platform of the vehicle, response information returned by the vehicle operation management cloud platform for the acquisition request is received, and the electronic payment account included in the response information is determined as a new electronic payment account to be bound to the vehicle.

[0121] In this optional embodiment, the new electronic payment account can be the electronic payment account of the current person sitting in the target seat, the electronic payment account of a vehicle occupant sitting in other target seats, or the electronic payment account of a person not in the vehicle.

[0122] When the new electronic payment account is the electronic payment account of the current person sitting in the target seat, the electronic payment account pre-associated with the information of the current person can be determined as the new electronic payment account to be bound to the vehicle.

[0123] When the new electronic payment account is the electronic payment account of a vehicle occupant sitting in other target seats, or the electronic payment account of a person not on board the vehicle, a request for obtaining the electronic payment account to be bound can be sent through the vehicle's vehicle operation management cloud platform. After receiving the acquisition request, the relevant personnel enter the corresponding electronic payment account through the vehicle operation management cloud platform, and use the electronic payment account as the new electronic payment account to be bound to the vehicle.

[0124] Optionally, if the current person's information is not pre-associated with any electronic payment account, the input electronic payment account can be used as a new electronic payment account by sending a request to obtain the electronic payment account to be bound through the above-mentioned vehicle operation management cloud platform, and the current person's information can be associated with the input electronic payment account at the same time, so that when the current person's electronic payment account is needed again for binding adjustment operations, the electronic payment account can be quickly determined.

[0125] For example, in a specific embodiment, the target person to be bound to an account can save the association relationship between his / her personal information (such as the above-mentioned facial feature information, fingerprint feature information, voiceprint feature information, and iris feature information, etc.) and his / her electronic payment account in advance to the vehicle's intelligent vehicle machine (such as the vehicle's communication intelligent control system, ETC's onboard controller, etc.), the intelligent vehicle operation management cloud platform, and / or the third-party electronic payment platform. After determining that the vehicle meets the electronic payment account adjustment conditions, the association relationship between the target person's information and the electronic payment account can be retrieved through the above three methods, thereby determining the new electronic payment account to be bound to the target person.

[0126] For another example, in another specific embodiment, the vehicle is a rented passenger car (such as a bus, taxi, etc.), and the vehicle-related expenses of the vehicle trip can be paid by any passenger on the vehicle, or by a travel organizer who does not ride the vehicle. When the person who pays the fee is any passenger on the vehicle, the passenger's relevant personal information can be obtained, so as to obtain an electronic payment account that has been pre-associated with the personal information as a new electronic payment account to be bound, or the passenger can enter the passenger's electronic payment account to the vehicle operation management cloud platform after receiving an account acquisition request sent by the vehicle operation management cloud platform, and the vehicle will use the entered electronic payment account as the new electronic payment account to be bound to the vehicle. When the person who pays the fee is a travel organizer who does not ride the vehicle, the travel organizer can enter the organizer's electronic payment account to the vehicle operation management cloud platform after receiving an account acquisition request sent by the vehicle operation management cloud platform, so that the vehicle will use the entered electronic payment account as the new electronic payment account to be bound to the vehicle.

[0127] It can be seen that this optional embodiment can also obtain a new electronic payment account from the pre-established association relationship between relevant personnel, or obtain a new electronic payment account from the vehicle operation management platform, thereby improving the flexibility and efficiency of obtaining new electronic payment accounts, and further improving the efficiency of unbinding / binding electronic payment accounts.

[0128] In an optional embodiment, after determining that the vehicle meets the electronic payment account adjustment conditions and before performing the electronic payment account binding adjustment operation on the vehicle, the method may further include the following steps:

[0129] Determine whether the electronic payment account binding adjustment function is turned on for the vehicle. If the electronic payment account binding adjustment function is turned on for the vehicle, trigger the electronic payment account binding adjustment operation on the vehicle; or, output electronic payment account binding adjustment prompt information to vehicle-related personnel. If electronic payment account binding adjustment confirmation information is received from vehicle-related personnel in response to the electronic payment account binding adjustment prompt information, trigger the electronic payment account binding adjustment operation on the vehicle.

[0130] In this optional embodiment, the vehicle-related personnel can activate or deactivate the vehicle's electronic payment account binding adjustment function before performing the electronic payment account binding adjustment operation on the vehicle. Further, if the vehicle-related personnel have not activated the vehicle's electronic payment account binding adjustment function in advance, or the vehicle's electronic payment account binding adjustment function has been activated but the vehicle-related personnel still need to confirm the binding adjustment, the vehicle outputs an electronic payment account binding adjustment prompt message to the vehicle-related personnel to allow the vehicle-related personnel to confirm whether to further perform the electronic payment account binding adjustment operation on the vehicle.

[0131] In another optional embodiment, after determining the new electronic payment account to be bound to the vehicle and before performing the binding adjustment operation of the electronic payment account on the vehicle, the method may further include the following steps:

[0132] Determine whether the person to whom the new electronic payment account belongs has activated the electronic payment account binding function. If the person to whom the new electronic payment account belongs has activated the electronic payment account binding function, then trigger the electronic payment account binding adjustment operation for the vehicle.

[0133] In this optional embodiment, relevant personnel may activate or deactivate the binding adjustment function of the new electronic payment account to which they belong before performing the binding adjustment operation of the electronic payment account on the vehicle.

[0134] Optionally, for the electronic payment account binding adjustment function of the above-mentioned vehicle and the binding adjustment function of the new electronic payment account of the relevant personnel, both functions can be used at the same time, or only one of them can be used.

[0135] It can be seen that this optional embodiment can further improve the accuracy of deduction of vehicle-related fees. When the above two functions are used at the same time, the accuracy of deduction is even higher. When only one of the above two functions is used, the efficiency of unbinding / binding the electronic payment account is higher than when the two functions are used at the same time.

[0136] In yet another optional embodiment, the method may further include the following steps:

[0137] When the vehicle needs to pay the vehicle fee, the vehicle fee is deducted from the new electronic payment account associated with the vehicle; and / or,

[0138] After the vehicle expenses are deducted from the new electronic payment account bound to the vehicle, the deduction results and / or the expense invoice and / or the address of the expense invoice and / or the issuing code of the expense invoice are sent to the communication terminal bound to the vehicle-related personnel and / or the electronic address bound to the new electronic payment account.

[0139] In this optional embodiment, the relevant personnel may enable the payment information notification function in advance. If the payment information notification function is enabled, after the vehicle fee is deducted from the new electronic payment account bound to the vehicle, payment information including the deduction result, fee invoice, the address where the fee invoice is issued, and / or the code image of the fee invoice can be sent to the communication terminal of the relevant personnel such as a mobile phone and the electronic address bound to the new electronic payment account such as an email address.

[0140] For example, in a specific embodiment, the vehicle identification such as the license plate number is identified to obtain an electronic payment account bound to the vehicle identification, and the vehicle fees are deducted from the electronic payment account, and then the payment information is pushed to the communication terminal and / or electronic address associated with the electronic payment account.

[0141] It can be seen that this optional embodiment can also send the relevant payment information of the deduction from the bound new electronic payment account to the relevant personnel, which is conducive to the relevant personnel to be informed of the vehicle deduction status in a timely manner.

[0142] Embodiment 2

[0143] See also Figure 2 , Figure 2 Schematic diagram of the structure of an intelligent processing system for electronic payment accounts applied to vehicles disclosed in an embodiment of the present invention. Figure 2 As shown, the system may include a condition determination module 201 and an adjustment module 202, wherein:

[0144] The condition judgment module 201 is used to obtain the information change of the vehicle personnel in the vehicle, and judge whether the vehicle meets the electronic payment account adjustment conditions according to the information change;

[0145] The adjustment module 202 is used to perform an electronic payment account binding adjustment operation on the vehicle when it is determined that the vehicle meets the electronic payment account adjustment conditions, wherein the binding adjustment operation includes an unbinding operation of a bound target electronic payment account and / or a binding operation of a determined new target electronic payment account.

[0146] visible, Figure 2The described system can eliminate the need for vehicle-related personnel to manually unbind / bind during operation, thereby improving the efficiency and convenience of unbinding / binding electronic payment accounts. At the same time, the present invention can adjust the binding status of the vehicle to the electronic payment account according to changes in the information of the vehicle personnel, thereby improving the accuracy of deductions for vehicle-related expenses.

[0147] In an optional embodiment, the information change includes the change of the personnel information corresponding to the target seat in the vehicle, and the target seat includes the driving seat or the non-driving seat. The specific manner in which the condition judgment module 201 judges whether the vehicle meets the electronic payment account adjustment condition according to the information change includes:

[0148] Obtain the current personnel information of the person currently sitting in the target seat and the historical personnel information of the persons who have sat in the target seat in the past, where the collection time of the historical personnel information is earlier than the collection time of the current personnel information, and the time difference between the collection time of the historical personnel information and the collection time of the current personnel information is less than or equal to the preset time threshold;

[0149] Compare current personnel information with historical personnel information to obtain comparison results;

[0150] If the comparison result indicates that the current seated person in the target seat has changed compared to the historical seated person in the target seat, it is determined that the vehicle meets the electronic payment account adjustment conditions;

[0151] The current person information includes at least one of facial feature information, fingerprint feature information, voiceprint feature information and iris feature information of the person currently sitting in the target seat.

[0152] It can be seen that this optional embodiment can also determine whether the vehicle meets the electronic payment account adjustment conditions based on changes in the seats of the target seats. The vehicle can quickly and automatically identify the seats occupied by the passengers in the vehicle to determine whether the vehicle needs to perform electronic payment account binding adjustment operations, thereby further improving the efficiency and convenience of unbinding / binding electronic payment accounts.

[0153] In another optional embodiment, if the comparison result indicates that the current seated person in the target seat has changed compared to the historical seated person in the target seat, before determining that the vehicle meets the electronic payment account adjustment condition, the condition judgment module 201 is further configured to perform the following operations:

[0154] Determining, based on the current occupant information, whether the person currently seated on the target seat is a person who sat on other seats in the vehicle before the person seated on the target seat changed;

[0155] When it is determined that the person currently sitting in the target seat is not the person who sat in other seats in the vehicle before the person sitting in the target seat changed, the step of determining that the vehicle meets the electronic payment account adjustment conditions is executed.

[0156] It can be seen that this optional embodiment can further determine whether the person currently sitting in the target seat has already sat in other seats of the vehicle before the person sitting in the target seat changed, thereby avoiding the situation where the vehicle mistakenly switches to an electronic payment account that does not need to be bound, thereby further improving the accuracy of deductions for vehicle-related fees.

[0157] In yet another optional embodiment, Figure 3 As shown, when the binding adjustment operation includes a binding operation, before the adjustment module 202 performs the binding adjustment operation of the electronic payment account on the vehicle, the system further includes an account determination module 301, wherein:

[0158] The account determination module 301 is used to determine a new electronic payment account to be bound to the vehicle; wherein the new electronic payment account includes automatic electronic payment account information and / or ETC account information.

[0159] The specific manner in which the adjustment module 202 performs the binding adjustment operation of the electronic payment account on the vehicle includes:

[0160] Bind the vehicle to the new electronic payment account; or,

[0161] If the vehicle has an electronic payment account that has been bound to it, the electronic payment account that has been bound to the vehicle will be unbound, and the vehicle will be bound to the new electronic payment account.

[0162] It can be seen that this optional embodiment can also determine whether the vehicle is directly bound to the new electronic payment account, or first unbind the old electronic payment account before binding it to the new electronic payment account, based on the actual binding status of the vehicle and the old electronic payment account when binding a new account, thereby further improving the efficiency of unbinding / binding of electronic payment accounts.

[0163] In yet another optional embodiment, the specific manner in which the account determination module 301 determines the new electronic payment account to be bound to the vehicle includes:

[0164] According to the current personnel information, an electronic payment account previously associated with the current personnel information is obtained as a new electronic payment account to be bound to the vehicle; or,

[0165] A request for obtaining the electronic payment account to be bound is sent to the vehicle operation management cloud platform of the vehicle, response information returned by the vehicle operation management cloud platform for the acquisition request is received, and the electronic payment account included in the response information is determined as a new electronic payment account to be bound to the vehicle.

[0166] It can be seen that this optional embodiment can also obtain a new electronic payment account from a pre-established association relationship with relevant personnel, or obtain a new electronic payment account from a vehicle operation management platform, thereby improving the flexibility and efficiency of obtaining new electronic payment accounts, and further improving the efficiency of unbinding / binding electronic payment accounts.

[0167] In another optional embodiment, after determining that the vehicle meets the electronic payment account adjustment conditions, before performing the electronic payment account binding adjustment operation on the vehicle, the adjustment module 202 is further configured to perform the following operations:

[0168] Determine whether the electronic payment account binding adjustment function is enabled for the vehicle. If the electronic payment account binding adjustment function is enabled for the vehicle, trigger the electronic payment account binding adjustment operation for the vehicle; or output electronic payment account binding adjustment prompt information to vehicle-related personnel. If electronic payment account binding adjustment confirmation information is received from vehicle-related personnel in response to the electronic payment account binding adjustment prompt information, trigger the electronic payment account binding adjustment operation for the vehicle;

[0169] In this optional embodiment, after determining the new electronic payment account to be bound to the vehicle and before performing the binding adjustment operation of the electronic payment account on the vehicle, the operation performed by the adjustment module 202 may further include:

[0170] Determine whether the person to whom the new electronic payment account belongs has activated the electronic payment account binding function. If the person to whom the new electronic payment account belongs has activated the electronic payment account binding function, then trigger the electronic payment account binding adjustment operation for the vehicle.

[0171] It can be seen that this optional embodiment can further improve the accuracy of deduction of vehicle-related fees. When the above two functions are used at the same time, the accuracy of deduction is even higher. When only one of the above two functions is used, the efficiency of unbinding / binding the electronic payment account is higher than when the two functions are used at the same time.

[0172] In this optional embodiment, if Figure 3 As shown, the system may further include a fee processing module 302, wherein:

[0173] The fee processing module 302 is used to deduct the vehicle fees from the new electronic payment account bound to the vehicle when the vehicle needs to pay the vehicle fees; and / or, after deducting the vehicle fees from the new electronic payment account bound to the vehicle, send the deduction results and / or the fee invoice and / or the address of the fee invoice and / or the code map of the fee invoice to the communication terminal bound to the vehicle-related personnel and / or the electronic address bound to the new electronic payment account.

[0174] It can be seen that this optional embodiment can also send the relevant payment information of the deduction from the bound new electronic payment account to the relevant personnel, which is conducive to the relevant personnel to be informed of the vehicle deduction status in a timely manner.

[0175] Embodiment 3

[0176] like Figure 4 As shown, the embodiment of the present invention discloses another electronic payment account intelligent processing system applied to a vehicle, the system comprising:

[0177] The processor 401 may be implemented by a general-purpose central processing unit (CPU), a microprocessor, an application-specific integrated circuit (ASIC), or one or more integrated circuits, and is used to execute relevant programs to implement the technical solutions provided in the embodiments of the present disclosure;

[0178] The memory 402 can be implemented in the form of a read-only memory (ROM), a static storage device, a dynamic storage device, or a random access memory (RAM). The memory 402 can store an operating system and other application programs. When the technical solution provided in the embodiment of this specification is implemented by software or firmware, the relevant program code is stored in the memory 402, and the processor 401 calls and executes part or all of the steps executed in the intelligent processing method for electronic payment accounts applied to vehicles described in the first embodiment of the present invention;

[0179] Input / output interface 403, used to implement information input and output;

[0180] Communication interface 404, used to realize communication interaction between the device and other devices, which can be realized by wired mode (such as USB, network cable, etc.) or wireless mode (such as mobile network, WIFI, Bluetooth, etc.);

[0181] Bus 405 , which transmits information between various components of the device (e.g., processor 401 , memory 402 , input / output interface 403 , and communication interface 404 );

[0182] The processor 401 , the memory 402 , the input / output interface 403 and the communication interface 404 are connected to each other in communication within the device via the bus 405 .

[0183] Embodiment 4

[0184] An embodiment of the present invention discloses a computer storage medium, which stores computer executable instructions. When the computer instructions are called, they are used to execute part or all of the steps executed in the intelligent processing method for electronic payment accounts applied to vehicles described in Embodiment 1 of the present invention.

[0185] The device embodiments described above are only illustrative, wherein the modules described as separate components may or may not be physically separated, and the components displayed as modules may or may not be physical modules, i.e., they may be located in one place, or they may be distributed on multiple network modules. Some or all of the modules may be selected according to actual needs to achieve the purpose of the scheme of this embodiment. Those of ordinary skill in the art may understand and implement it without creative work.

[0186] Through the specific description of the above embodiments, those skilled in the art can clearly understand that each implementation method can be implemented by means of software plus a necessary general hardware platform, and of course, it can also be implemented by hardware. Based on such an understanding, the above technical solution can be essentially or partly contributed to the prior art in the form of a software product, and the computer software product can be stored in a computer-readable storage medium, and the storage medium includes a read-only memory (ROM), a random access memory (RAM), a programmable read-only memory (PROM), an erasable programmable read-only memory (EPROM), a one-time programmable read-only memory (OTPROM), an electronically erasable rewritable read-only memory (EEPROM), a compact disc (CD-ROM) or other optical disc storage, magnetic disk storage, magnetic tape storage, or any other computer-readable medium that can be used to carry or store data.

[0187] Finally, it should be noted that the intelligent processing method and system for electronic payment accounts applied to vehicles disclosed in the embodiments of the present invention only disclose the preferred embodiments of the present invention, which are only used to illustrate the technical solution of the present invention, rather than to limit it. Although the present invention has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that the technical solutions described in the aforementioned embodiments may still be modified, or some of the technical features therein may be replaced by equivalents. However, these modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the embodiments of the present invention.

Claims

1. An intelligent processing method for electronic payment accounts applied to vehicles, characterized in that: The method comprises: Obtaining changes in information about the vehicle occupants in the vehicle, and determining whether the vehicle meets the electronic payment account adjustment conditions based on the changes in the information; When it is determined that the vehicle meets the electronic payment account adjustment conditions, an electronic payment account binding adjustment operation is performed on the vehicle, wherein the binding adjustment operation includes an unbinding operation of an already bound electronic payment account and / or a binding operation of a determined new electronic payment account.

2. The intelligent processing method for electronic payment accounts applied to vehicles according to claim 1 is characterized in that: The information change includes the change of the personnel information corresponding to the target seat in the vehicle, and the target seat includes the driving seat or the non-driving seat; The determining, according to the information change, whether the vehicle meets the electronic payment account adjustment condition includes: Acquire the current personnel information of the person currently sitting on the target seat and the historical personnel information of the persons who have sat on the target seat in the past, wherein the collection time of the historical personnel information is earlier than the collection time of the current personnel information, and the time difference between the collection time of the historical personnel information and the collection time of the current personnel information is less than or equal to a preset time threshold; Comparing the current personnel information with the historical personnel information to obtain a comparison result; If the comparison result indicates that the current seated person in the target seat has changed compared to the historical seated person in the target seat, it is determined that the vehicle meets the electronic payment account adjustment condition; The current person information includes at least one of facial feature information, fingerprint feature information, voiceprint feature information and iris feature information of the person currently sitting in the target seat.

3. The intelligent processing method for electronic payment accounts applied to vehicles according to claim 2 is characterized in that: If the comparison result indicates that the current seated person in the target seat has changed compared to the historical seated person in the target seat, before determining that the vehicle meets the electronic payment account adjustment condition, the method further includes: Determining, based on the current occupant information, whether the person currently seated on the target seat is a person who sat on other seats in the vehicle before the person seated on the target seat changed; When it is determined that the person currently sitting in the target seat is not the person who sat in other seats in the vehicle before the person sitting in the target seat changed, the step of determining that the vehicle meets the electronic payment account adjustment conditions is executed.

4. The intelligent processing method for electronic payment account applied to vehicles according to claim 2 or 3 is characterized in that: When the binding adjustment operation includes the binding operation, before performing the binding adjustment operation of the electronic payment account on the vehicle, the method further includes: Determining a new electronic payment account to be bound to the vehicle; wherein the new electronic payment account includes automatic electronic payment account information and / or ETC account information; The step of performing a binding adjustment operation on the electronic payment account of the vehicle includes: Performing an account binding operation on the vehicle and the new electronic payment account; or, If the vehicle has an electronic payment account that has been bound, an unbinding operation is performed on the electronic payment account that has been bound to the vehicle, and an account binding operation is performed on the vehicle and the new electronic payment account.

5. The intelligent processing method for electronic payment account applied to vehicles according to claim 4 is characterized in that: The determining of a new electronic payment account to be bound to the vehicle includes: According to the current person information, an electronic payment account previously associated with the current person information is obtained as a new electronic payment account to be bound to the vehicle; or Send a request for obtaining the electronic payment account to be bound to the vehicle operation management cloud platform of the vehicle, receive response information returned by the vehicle operation management cloud platform for the acquisition request, and determine the electronic payment account included in the response information as a new electronic payment account to be bound to the vehicle.

6. The intelligent processing method for electronic payment accounts applied to vehicles according to claim 5 is characterized in that: After determining that the vehicle meets the electronic payment account adjustment condition, before performing the electronic payment account binding adjustment operation on the vehicle, the method further includes: Determine whether the electronic payment account binding adjustment function is turned on for the vehicle, and if the electronic payment account binding adjustment function is turned on for the vehicle, trigger the electronic payment account binding adjustment operation for the vehicle; or output electronic payment account binding adjustment prompt information to vehicle-related personnel, and if electronic payment account binding adjustment confirmation information triggered by the vehicle-related personnel in response to the electronic payment account binding adjustment prompt information is received, trigger the electronic payment account binding adjustment operation for the vehicle; and / or, After determining the new electronic payment account to be bound to the vehicle and before performing the binding adjustment operation of the electronic payment account on the vehicle, the method further includes: Determine whether the person to whom the new electronic payment account belongs has activated the electronic payment account binding function. If the person to whom the new electronic payment account belongs has activated the electronic payment account binding function, trigger the binding adjustment operation of the electronic payment account for the vehicle.

7. The intelligent processing method for electronic payment accounts applied to vehicles according to claim 6 is characterized in that: The method further comprises: When the vehicle needs to pay vehicle fees, deduct the vehicle fees from the new electronic payment account bound to the vehicle; and / or, After the vehicle fee is deducted from the new electronic payment account bound to the vehicle, the deduction result and / or the fee invoice and / or the address of issuing the fee invoice and / or the code map of issuing the fee invoice are sent to the communication terminal bound to the vehicle-related personnel and / or the electronic address bound to the new electronic payment account.

8. An intelligent processing system for electronic payment accounts applied to vehicles, characterized in that: The system comprises: A condition judgment module, the condition judgment module is used to obtain information changes of vehicle personnel in the vehicle, and judge whether the vehicle meets the electronic payment account adjustment conditions according to the information changes; An adjustment module, wherein when it is determined that the vehicle meets the electronic payment account adjustment conditions, the adjustment module is used to perform an electronic payment account binding adjustment operation on the vehicle, wherein the binding adjustment operation includes an unbinding operation of a bound target electronic payment account and / or a binding operation of a determined new target electronic payment account.

9. An intelligent processing system for electronic payment accounts applied to vehicles, characterized in that: include: at least one memory; at least one processor; at least one computer program; The computer program is stored in the memory, and the processor executes the at least one computer program to implement the intelligent processing method for electronic payment accounts applied to vehicles as described in any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, and the computer-executable instructions are used to enable a computer to execute the intelligent processing method for electronic payment accounts applied to vehicles as described in any one of claims 1 to 7.

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